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Joining Fee

Rs. 2,500 (plus applicable taxes)

Welcome Benefits

2,500 bonus Reward points

Rewards Rate

4 reward points every time one spends Rs. 150.

Movie & Dining

Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.

Reward Redemption

1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.

Travel

Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.

Golf

N/A

Domestic Lounge

12 free airport lounge access per year within India.

International Lounge

6 airport lounge access every year outside India through the Priority Pass.

Insurance Benefits

Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.

Zero Liability Protection

You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.

Joining Fees

Rs. 2,500 + taxes

Renewal Fee

Rs. 2,500 + taxes

Spend Based Waiver

Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.

Rewards Redemption Fee

Rs 99 (plus applicable taxes)

Foreign Currency Markup

2% on all foreign currency transactions.

Interest Rates

3.6% per month or 43.2% annually

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.

Cash Advance Charges

2.5% of the transaction amount or Rs. 500 (whichever is higher)

Add-on Card Fee

Nil