Credit Cards in India 2026

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform:

• 10X (33.3%): Hotels, select partners (Jockey, PharmEasy, IGP.com)
• 5X (16.6%): Flights, buses, holiday packages, gift vouchers, Apple, Myntra, Nykaa
• 3X (10%): IRCTC train bookings

▶︎ Regular Card Spending:

• 1X (3.3%): All other purchases (unlimited earning)

▶︎ Monthly Limits:

Smartbuy categories (3X-10X): 15,000 accelerated reward points limit. Limit reached between ₹50,000 - ₹2.25 lakh monthly spending, depending on category mix - 

• 10X categories: Limit reached at ₹50,000 spending
• 5X categories: Limit reached at ₹1.12 lakh spending
• 3X categories: Limit reached at ₹2.25 lakh spending

Regular spending (1X): No limits

▶︎ Reward Point Values:

• ₹1 per point: Flight/hotel bookings, Apple products, Tanishq 
• ₹0.50 per point: Vouchers and products
• ₹0.30 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

Premium Benefits

▶︎ Airport Lounge Access

• Unlimited domestic & international lounge access 
• Available for add-on cardholders also

▶︎ Golf & Hotels

• Unlimited golf rounds worldwide, unlimited coaching lessons in India
• ITC Hotels: Pay for 2 nights, stay 3. Dining discounts
• Marriott Club membership (1 year): 15-20% F&B discounts, room rate savings

▶︎ Insurance Coverage

• ₹3 crore accidental air death
• ₹50 lakh overseas medical emergency
• ₹9 lakh lost card 
• ₹9 lakh credit shield protection

▶︎ Fuel Surcharge Waiver

• Surcharge waiver up to ₹1,000 per month
• Valid only on fuel transactions between ₹400 and ₹1 lakh

▶︎ Rewards on Card Spending (Up to 36% Reward)

Up to 36% Reward on Travel & Gift Vouchers (via ICICI iSHOP platform)

• Hotel bookings: 36% rewards (36 points per ₹100)
• Flight bookings & gift vouchers: 18% rewards (18 points per ₹100)

3% Reward on Other Purchases

• 3 points per ₹100
• Important Exclusions: No rewards on rent, fuel, tax, and government transactions

Monthly Reward Caps

• Flights & Hotels (36% & 18%): 18,000 reward points, reached at ₹54,000-₹1.2 lakh monthly spend
• Grocery purchases: 1,000 reward points
• Utility bill payments: 1,000 reward points 
• Education payments: 1,000 reward points 
• Insurance payments: 5,000 reward points 

Value of Reward Points & Redemption

- Best Value Redemptions (1 point = ₹1)

• Flight and hotel bookings
• Select brand vouchers

- Lower Value Redemptions

• Cashback: 1 point = ₹0.40
• Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits (Upto 0.75% Additional Reward) 

• ₹4 lakh spend: EaseMyTrip voucher worth ₹3,000 (0.75% reward) 
• ₹8 lakh spend: Additional EaseMyTrip voucher worth ₹3,000 (0.75% reward)

▶︎ Premium Lifestyle Benefits

Travel & Golf 

• Unlimited airport lounge access (India & abroad), for primary + 3 add-on cardholders
• Unlimited complimentary golf rounds (India & abroad)
• 2% foreign exchange fee (lower than standard rates)
• Unlimited complimentary golf rounds both in India and abroad

Movies & Entertainment 

• Buy One Get One Free at BookMyShow (up to ₹750 on 2nd ticket)
• 2 tickets per month - for movies, sports, theatre, or concerts

Dining & Fuel

• Ongoing EazyDiner Prime membership
• Fuel surcharge waiver up to ₹1,000 per month

▶︎ Up to 24% Reward on Travel (Airlines & Hotels via Axis Travel EDGE Portal)

Up to ₹2 lakh monthly spend - 24% reward (in airline/ hotel points)

• Earn 30 EDGE points per ₹100
• Redemption value: 24% for airline/hotel transfers | 6% for vouchers/products
• 💡 Approximately 48% effective reward on select travel partners like Accor 

Above ₹2 lakh monthly spend - 14% reward (in airline/ hotel points)

• Earn 17.5 EDGE points per ₹100
• Redemption value: 14% for airline/hotel transfers | 3.5% for vouchers/products
• 💡 Approximately 28% effective reward on select travel partners like Accor 

▶︎ Up to 14% Reward on Other Purchases

Up to ₹1.5 lakh monthly spend - 4.80% reward (in airline/ hotel points)

• Earn 6 EDGE points per ₹100
• Redemption value: 4.8% for airline/hotel transfers | 1.2% for vouchers/products

Above ₹1.5 lakh monthly spend - 14% reward (in airline/ hotel points)

• Earn 17.5 EDGE points per ₹100
• Redemption value: 14% for airline/hotel transfers | 3.5% for vouchers/products 

Value of Reward Points (EDGE Points)

• Vouchers/Products: 1 EDGE point = ₹0.20
• Partner Transfers: 1 EDGE point = 0.80 partner airline/hotel points

▶︎ Other Benefits

Unlimited Airport Lounge Access

• International: Unlimited via Priority Pass (primary cardholder + 4 guest visits annually)
• Domestic: Unlimited for primary and add-on cardholders (requires ₹50,000 spend in previous 3 months)

Airport Concierge Services

• Meet & Greet assistance 4 times per year
• End-to-end support: check-in, security, immigration, porter services
• Available for primary cardholder and guests

2% foreign exchange fee on international transactions (reduced rate)

Comprehensive Insurance Coverage

• Card Security: Protection up to credit limit for counterfeit/lost card fraud
• Purchase Protection: Up to ₹2 lakhs coverage for theft/damage of card purchases
• Travel Insurance: Up to US$500 for baggage loss/delay and document issues
• Credit Shield: Up to ₹5 lakhs protection for inability to pay due to covered events

Dining Rewards

• 30% discount at EazyDiner restaurants (up to ₹1000)
• Minimum spend: ₹3,000 | Payment via PayEazy app required
• Valid once per month

Fuel Benefits

• 1% surcharge waiver (up to ₹400 per month)
• Valid on fuel transactions between ₹400-₹4,000

Lifetime free credit card, with no annual fees

3%-5% unlimited cashback on Amazon India (including flights & hotels)

• 5% cashback for Amazon Prime members
• 3% cashback for Non-Prime members

Exceptions & important exclusions-

• 2% cashback on the following spends – Amazon gift card purchases, e-book purchases, bill payments, recharges.
• No casback on the following spends – Physical and digital gold, all types of EMI transactions, Amazon Business transactions.

2% cashback on 100+ Amazon Pay partners

• Partners include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder
• Must pay through Amazon Pay wallet to earn cashback rewards

1% cashback on other spends

Important exclusions: No cashback given on fuel spends, all types of EMI transactions.

1% fuel surcharge waiver on fuel transactions up to ₹4000

Welcome benefits through Amazon account: Offers worth ₹2000 + 3 months Prime membership

▶︎ 5% cashback on online spends, 1% cashback on other spends (up to ₹5000 per month)

Important exclusions: No cashback given on the following spends – 

• Rent/property management
• Fuel purchases
• Utility bills
• Insurance payments
• Wallet loads
• School & educational services
• Jewelry purchases
• Railway bookings
• EMI transactions
• Standing instructions
• Cash advances
• Balance transfer
• Non-customer-initiated spending like annual fees, late fees, and other fees & charges
• Disputed transactions, returns, refunds & cancellations

Monthly cashback limit: 

• ₹5,000 combined across all spending categories. 
• Example: If you spend ₹1 lakh online (5% category), you'll earn the full ₹5,000 cashback limit, but no cashback on other purchases that month.

▶︎ 1% fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹3000

Up to 20% Rewards on Travel Spending

▶︎ Up to 20% on Travel Spending (5 EDGE Miles per ₹100)

• 5% reward: Flight/hotel bookings via Travel EDGE portal (1 Mile = ₹1)
• 10% reward: Airline/hotel partner points conversion (1 Mile = 2 partner points)
• Up to 20% effective reward: Only on premium partners like Accor 
• Monthly cap: ₹2 lakh travel spending
• Eligible: Direct airline/hotel bookings, Axis Travel EDGE portal

▶︎ Up to 8% on General Spending (2 EDGE Miles per ₹100)

• 2% reward: Travel portal redemptions
• 4% reward: Partner points conversion
• Up to 8% effective reward: Only on premium partner transfers like Accor
• Important Exclusions: Gold/jewelry, rent, wallets, government payments, insurance, fuel, utilities, EMI

▶︎ EDGE Miles Redemption Options

Travel Portal (1 Mile = ₹1)

• Instant redemption for flights and hotels
• Guaranteed value through Axis Travel EDGE portal
• No transfer limits or restrictions

Partner Transfer Program

• Conversion: 1 EDGE Mile = 2 partner points (except Marriott: 1:0.5)
• Annual limit: 1,50,000 EDGE Miles total

Group A Partners (30,000 miles limit): Like Singapore Airlines, Qatar Airways, Marriott, Accor

Group B Partners (1,20,000 miles limit): Like Air India, IHG, Vistara, ITC Hotels

Annual Spend-Based Tiers & Benefits

▶︎ Milestone Rewards (Based on Annual Card Spend)

• Spend ₹3 lakh annually (Silver Tier): 2,500 EDGE Miles bonus
• Spend ₹7.5 lakh annually (Gold Tier): 5,000 EDGE Miles bonus
• Spend ₹15 lakh annually (Platinum Tier): 10,000 EDGE Miles bonus

▶︎ Airport Lounge Access (Based on Annual Card Spend)

International:

• Silver Tier (₹3 lakh annual spend): 4 visits/year
• Gold Tier (₹7.5 lakh annual spend): 6 visits/year
• Platinum Tier (₹15 lakh annual spend): 12 visits/year

Domestic:

• Silver Tier (₹3 lakh annual spend): 8 visits/year
• Gold Tier (₹7.5 lakh annual spend): 12 visits/year
• Platinum Tier (₹15 lakh annual spend): 18 visits/year

Additional Benefits

▶︎ Dining Rewards

• 15% discount on restaurant bills via EazyDiner
• Monthly limit: ₹500 savings per transaction
• Minimum spend: ₹2,500 
• Frequency: Once per month, payment through PayEazy

▶︎ Fuel Surcharge Waiver

• Surcharge waiver: Up to ₹400 per month
• Fuel Transaction range: Between ₹400 - ₹4,000 fuel purchases

Airtel Services: 25% cashback (up to ₹250 per month)

• Covers mobile, broadband, WiFi, and DTH services through Airtel Thanks app
• Monthly cashback limit: ₹250, reached at ₹1000 monthly spend

Utility Bills via Airtel App: 10% cashback (up to ₹250 per month)

• Electricity, water, and gas bill payments via Airtel Thanks app
• Monthly cashback limit: ₹250, reached at ₹2500 monthly spend

Food Delivery & Groceries: 10% cashback (up to ₹500 per month)

• BigBasket grocery orders and Swiggy/Zomato food delivery
• Monthly cashback limit: ₹500, reached at ₹5,000 monthly spend

Other Purchases: 1% cashback

• Applies to all other eligible card transactions
• Excludes: utilities (non-Airtel platforms), fuel, wallets, EMIs, government services, education services, rent, jewelry, insurance, annual fees and other fees, cash advances, payment of outstanding card balances, returns & cancellations

Other Benefits

▶︎ Airport Lounge Access

• Domestic airport lounge access - 4 visits per year
• Requires minimum ₹50,000 spend in previous 3 months 

▶︎ Dining Discount

• 15% off at EazyDiner partner restaurants (up to ₹500 discount)
• Minimum order requirement of ₹2500
• Valid once per month

▶︎ Partner Offers

• Additional cashback deals through Axis Grab Deals platform (up to ₹1,000 per month)
• Exclusive discounts with select Axis Bank partners

▶︎ Fuel surcharge waiver (up to ₹500 per month), valid only on fuel transactions between ₹400 and ₹4000

▶︎ 10% cashback on Swiggy apps: 

• Food delivery orders 
• Instamart grocery shopping   
• Dineout restaurant bookings 
• Genie delivery services

Monthly cashback limit: ₹1,500 (reached at ₹15,000 spending)

Important exclusions: Cashback is not given on Swiggy Money wallet, Swiggy liquor, and Swiggy minis

▶︎ 5% cashback on online purchases including Amazon and Flipkart:

• Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
• Department stores, apparel, and home decor
• Electronics
• Local cabs
• Entertainment
• Pharmacies & personal care
• Online pet stores 

Monthly cashback limit: ₹1,500 (reached at ₹30,000 spending)

Important exclusions: 

• Cashback will not be given on any grocery purchases and gift card purchases in the above categories.
• Starting 10th May 2025 onwards, grocery transactions on Amazon and Flipkart (MCC 5411) will also earn 5% cashback

▶︎ 1% basic cashback benefit on all other card spends 

Monthly cashback limit: ₹500 (reached at ₹50,000 spending)

Important exclusions: No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

▶︎ Welcome offer: Up to 12 Month complimentary Swiggy One membership

• All new customers get a 3 month Swiggy One membership
• Customers who apply through the Swiggy app receive extra 9 months of Swiggy One Membership

▶︎ Complimentary golf

• 4 free golf rounds per year (maximum 1 per month) 
• 1 free golf lesson per month
  

▶︎ 5% cashback at Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber

• Monthly cashback limit: ₹1,000 (reached at ₹20,000 spending)
• Note: Gift card/prepaid cards & voucher purchases earn 1% cashback.

▶︎ 1% cashback on other card spends 

Monthly cashback limit - ₹1000, reached at ₹1 lakh spending

Important exclusions include -

• Fuel transactions
• EMI transactions
• Rent payments
• Government transactions
• Wallet loads 
• Education payments through third-party apps

▶︎ Quarterly Milestone Benefit: Spend ₹1 lakh per quarter and choose:

• ₹1,000 gift vouchers from select brands, OR
• Dreamsfolks airport lounge access voucher

▶︎ Up to 10% cashback on travel, shopping, and more – through HDFC Smartbuy platform (maximum cashback of ₹1,000 per month)

• 5% cashback on travel spends: flight bookings, hotel bookings, and bus tickets through RedBus or MakeMyTrip holiday packages.
• 5% cashback on various gift vouchers: shopping, travel, dining, entertainment, and more.
• 5% cashback at select partners: Myntra, Apple Imagine Tresor, Nykaa, and Zoom Car.
• 10% cashback at select partners: Pharmeasy, IGP, and Jockey.

▶︎ 1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5,000

7.50% cashback on Myntra. Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

5% cashback on Cleartrip. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% unlimited cashback on Swiggy, Uber, PVR, Cult Fit

1% cashback on all other card spends 

Important exclusions (no cashback categories):

• Utility & telecom bills
• Education & rent payments
• Wallet loads & government services
• Insurance & gold/jewelry
• Fuel purchases & financial institutions
• Cash advances & loan repayments

EazyDiner restaurants: 15% discount, up to ₹500 per month

• 15% discount, (up to ₹500) at restaurants through EazyDiner
• Minimum order required to avail offer is ₹2500
• Offer valid 1 time per month
• Restaurant bill need to be paid through the EazyDiner app (PayEazy)

1% fuel surcharge waiver (up to ₹400 per month), valid only on fuel transactions between ₹400 and ₹4000

No annual fee from 2nd year onwards

Bookmyshow 'Buy One Get One Free Offer': 2 free movie tickets (up to ₹200 each) every month: Buy one movie ticket and get up to ₹200 off on the second ticket, 2 times per month.

0.50% cashback on all card spends

• Earming reward points: 0.66 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on your card 
• Reward points redemption: 1 reward point = ₹0.75, and can be converted to cashback, and credited to your monthly card statement.

Complimentary insurance benefits

Air accident insurance of ₹25 lakhs

Travel related insurance (Travel Plus Program), applicable on international travel

• Lost baggage up to ₹1,00,000
• Delayed baggage up to ₹25,000
• Loss of passport upto ₹50,000
• Lost ticket upto ₹25,000
• Missed connection upto ₹25,000

Total Protect : This covers for unauthorised transactions on your card in case of –

• Loss or theft of the card
• Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
• Protection is up to the credit limit of your credit card.

Fuel surcharge waiver, up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹3000

Flexibility when making payments at merchant stores: Choose to make payment by EMI, by reward points, or by credit (normal use of the credit card)

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

• 33.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
• 16.6% (5X): Flights, buses, holiday packages, Myntra, Nykaa, Zoom Car
• 10% (3X): Gift vouchers, IRCTC train tickets, Apple

▶︎ Regular Card Spending

• 6.6% (2X): Weekend dining at restaurants (Saturday/Sunday, maximum 1,000 points per day)
• 3.3% (1X): All other purchases

▶︎ Monthly Limits

• Smartbuy accelerated rewards: 10,000 points (reached at ₹33,333 - ₹1.5 lakh monthly spending, depending on category mix)
• Weekend dining: 1,000 points per day maximum

▶︎ Reward Point Values

• ₹1.00: Flight/hotel bookings (Smartbuy), airline/hotel loyalty transfers
• ₹0.50: Vouchers and products
• ₹0.30: Cashback redemption

Reward rates assume optimal redemption for travel bookings

Up to 2.5% Additional Reward, at ₹4 lakh quarterly spend

• 2.5% additional reward: 10,000 bonus points worth ₹10,000, at ₹4 lakh quarterly spend
• This is earned on top of your regular rewards across all spending categories

Premium Benefits

▶︎ Travel: Unlimited Airport Lounge Access & More

• Unlimited domestic & international airport lounge access (includes add-on cards)
• 2% forex markup on international transactions
• 24/7 global concierge services

▶︎ Golf: 6 complimentary golf rounds per quarter globally

▶︎ Marriott Club Membership (1 year)

• Up to 25% discount on F&B bills (max 20 guests)
• Up to 20% discount on room rates in India, weekend rates in Asia Pacific
• 20% discount on spa services at select hotels in India
• Up to 20% off F&B at Asia Pacific Marriott hotels, ex-India (max 10 guests)
• Up to 15% off Marriott Bonvoy on Wheels orders
• 1 room upgrade certificate (max 2 nights, India hotels)
• 1 certificate for 30% off best available rate (max 2 consecutive nights)

▶︎ Swiggy One Membership (1 year)

• Dineout restaurants: Up to 40% off, 2 monthly ₹150 coupons (on bills of ₹1500+)
• Food delivery: Free delivery on ₹149+ orders, up to 30% extra discounts, no surge fees
• Instamart groceries: Free delivery on ₹199+ orders, exclusive discounts, no surge fees
• Genie: Flat 10% off delivery fees on all orders

Insurance Coverage

• ₹2 crore accidental air death cover
• ₹50 lakh overseas medical emergency coverage
• ₹9 lakh lost card liability protection
• ₹55,000 baggage delay coverage (8+ hours, international flights)

Additional Benefits

• Exclusive Diners Club offers and privileges
• Premium customer service with dedicated support lines

3% cashback on various spends at Paytm : Prepaid recharges || Utility bill payments || Movie tickets || Mini App – on spends up to ₹16,666 per month

• 3 cashpoints worth ₹3, on every ₹100 you spend in these categories 
• This is valid on spends up to ₹16,666 per month, since maximum cashback at this special rate is restricted to ₹500 per month
• Reward points redemption: 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

2% cashback on all other select Paytm spends – on spends up to ₹25000 per month

• 2 cashpoints worth ₹2, on every ₹100 you spend in these categories – on spends upto ₹25,000 per month (since maximum cashback at this special rate is restricted to ₹500 per month)
• 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

1% cashback on all other spends – on spends up to ₹1 lakh per month

• 1 cashpoint worth ₹1, on every ₹100 you spend on all other card transactions – on card spends upto ₹1 lakh per month (since maximum cashback is restricted to ₹1,000 per month)
• Important exclusions: Cashback is not given on wallet loads, fuel spends, EMI spends, online skill based gaming, rental spends and government spends.
• 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

Up to 1% additional benefit through milestone program: Get ₹100 cashback on monthly card spend of ₹10,000 (only for non-EMI, non-wallet and non-rental card spends).

Zero cost liability on lost credit card : If you lose your card & report it immediately to the 24-hour call centre, you have zero liability on any fraudulent transactions made on your card.

Fuel surcharge waiver at all fuel stations up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Lifetime free credit card

You need to choose any one out of the 4 rewards plans given below:

1. Shop Plan: 1.60% cashback on department store purchases || 0.80% cashback on purchase of consumer durables or electronic items || 0.60% cashback on restaurant bills & book purchases || 0.20% cashback on all other card spends
2. Home Plan: 1.60% cashback on grocery purchases || 0.60% cashback on medical spends || 0.56% cashback on electricity bills , mobile bills and insurance spends || 0.20% cashback on all other card spends
3. Travel Plan: 1.60% cashback on hotel expenses || 1% cashback on airline tickets || 0.60% cashback on rail tickets and car rental expenses || 0.20% cashback on all other card spends
4. Party Plan: 1.60% cashback on restaurant bills || 0.80% cashback on departmental store shopping, and on bars & pubs spends || 0.60% cashback on movie tickets || 0.20% cashback on all other card spends

Reward points redemption

• 1 reward point = ₹0.40 as cashback
• You can also convert reward points to Singapore Airlines Krysflyer Miles. 1 reward point = 0.25 Krysflyer Miles.  Maximum 10,000 Reward Points can be redeemed against KrisFlyer Miles in a calendar month.
• You can also convert reward points on IndusInd Moments, Indusind's rewards redemption platform. The value of reward points would depend on the redemption option you choose. 1 reward point can be valued up to ₹1, on select redemption options.

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000 

Total Protect: This covers your card for unauthorised transactions in case of –

• Loss or theft of the card
• Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
• Protection is up to the credit limit of your credit card.

Travel related insurance (Travel Plus Program), applicable on international travel

• Air accident cover of ₹25 Lakh
• Lost baggage up to ₹1 lakh
• Delayed baggage up to ₹25,000
• Loss of passport up to ₹50,000
• Lost ticket up to ₹25,000
• Missed connection up to ₹25,000

No annual fee from the 2nd year onwards

1.9% cashback on online spends (except travel) || 0.75% cashback on offline spends

• 2.50 rewards points (worth ₹1.87 as cashback), on every ₹100 you spend on online purchases except travel
• 1 reward point worth (worth ₹0.75 as cashback), on every ₹100 you spend on offline purchases
• Reward points redemption: 1 reward point = ₹0.75, and can be redeemed as cashback into your credit card statement. You can also convert reward points to Singapore Airlines Krysflyer Miles at a slightly lower rate. 1 reward point = 0.50 Krysflyer Miles

Restrictions & exclusions 

• 1.50 reward points (worth ₹1.12 as cashback), on every ₹100 you spend on online travel
• 0.70 reward points on every ₹100 you spend in the following categories – utility bills (online and offline), insurance premium, government and education, fees, real estate/rental payments.
• No cashback is given on fuel spends. Call centre transactions and standing instructions are treated as offline spends

Complimentary access to airport lounges in India – 1 time per quarter

Complimentary access to airport lounges abroad –  1 time per quarter

Bookmyshow Buy One Get One Free Offer: 3 free movie tickets (up to ₹200 each) every month

• Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
• This offer can be availed maximum 3 times per month.

Complimentary golf benefits in India – 1 free golf rounds per month AND 1 free golf lessons per month. You need to spend a minimum of ₹25,000 in the previous month

24/7 emergency roadside assistance (Legend Auto Assist): Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services): Services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Total Protect: This covers your card for unauthorised transactions in case of –

• Loss or theft of the card 
• Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
• Protection is up to the credit limit of your credit card.

Air accident cover of ₹25 lakhs

5% cashback on Paytm (prepaid recharges, utilities, movie tickets, mini app)

• 5 cashpoints worth ₹5, per ₹100 spent 
• Monthly cashback limit: ₹1500, reached at ₹30000 monthly spend

3% cashback on Swiggy, Ajio, Big Basket, Uber

• 3 cashpoints worth ₹3, per ₹100 spent
• Monthly cashback limit: ₹500, reached at ₹16,666 monthly spend

1% cashback on other spends

• 1 cashpoints worth ₹1, per ₹100 spent
• Monthly cashback limit: ₹2000, reached at ₹2 lakh monthly spend

Important exclusions & restrictions 

• No cashback on wallet loads, fuel, EMI, rent, online skill based gaming transactions, government spending
• Maximum 1000 reward points on grocery purchases
• Maximum 2000 reward points on insurance spends

Upto 1% reward on quarterly spending milestone (₹50,000)

• ₹500 cashback, on ₹50,000 quarterly spend (1% reward)
• Eligible spends: Non-EMI, non-wallet and non-rental card spends

Domestic airport lounge access: 2 visits per quarter

Fuel surcharge waiver at all fuel stations

• On fuel transactions between ₹400 and ₹5000
• Monthly waiver limit: ₹500

Lifetime Free Credit Card 

Travel Benefits 

• Domestic lounges: 2 visits per quarter 
• International lounges: 2 visits per year 
• Low forex markup: 1.5% on international transactions

Movies & Golf

• BookMyShow movie tickets: 1 ticket (up to ₹500) every 6 months, maximum 2 tickets per year
• Golf: 1 free round OR 1 free lesson per quarter

Roadside Assistance (Legend Auto Assist): 

24/7 emergency services - 

• On-spot mechanical/electrical repairs
• Emergency fuel supply & flat tire service
• Lost key assistance & battery service
• Emergency towing & accident management

Concierge Services (Legend Concierge): 

24/7 premium assistance - 

• Global trip planning & pre-trip guidance
• Hotel & flight booking assistance
• Sports & entertainment ticket reservations
• Exclusive event bookings
• Worldwide flower & gift delivery

Total Protect Coverage

Unauthorized transaction protection up to credit limit for:

• Lost or stolen card incidents
• Counterfeit fraud (card details theft & misuse)

Air accident cover of up to ₹25 lakhs

1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 

Tiered Rewards Program

Annual Spending Slabs

• Up to ₹1 lakh: 0.4% cashback (1 point per ₹100)
• ₹1-2.5 lakh: 0.8% cashback (2 points per ₹100)
• ₹2.5-5 lakh: 1.6% cashback (4 points per ₹100)
• Above ₹5 lakh: 2.4% cashback (6 points per ₹100)

Point Value & Examples

• 1 reward point = ₹0.40 cashback
• Example 1: ₹6 lakh annual spend = 20,000 points = ₹8,000 cashback (1.33% effective rate)
• Example 2: ₹3 lakh annual spend = 6,000 points = ₹2,400 cashback (0.8% effective rate)

Important Exclusions

• No rewards on: Fuel, utilities, insurance, government services, education, real estate, rent

1.50% cashback on offline spending up to ₹6,666 per month

• Get ₹1.50 as cashback, on every ₹100 you spend in these categories
• This is valid only on purchases up to ₹6666 per month, since the maximum cashback at this rate is restricted to ₹100 per month

0.50% cashback on online spending

• Get 2 reward points worth ₹0.50, on every ₹100 you spend
• Reward points redemption: 1 reward point = ₹0.25 and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more

0.25% cashback on the following spends – utility & telecom | insurance

• Get 1 reward point worth ₹0.25, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more
• Restrictions: Cardholders will earn a maximum of 100 reward points per transaction on utility & telecom spends.

No reward points are given on the following spends: Cash, Rent, Education & Government, EMI, Fuel, BBPS and Quasi Cash transactions 

Milestone benefit

• 500 bonus reward points worth ₹125, at monthly card spend of ₹20,000
• Exclusions: Fuel transactions and cash withdrawal transactions are excluded from this bonus reward points spends calculation

Complimentary railway lounge access – 2 times per quarter

Fuel surcharge waiver up to ₹150 per month, and valid only on fuel transactions between ₹400 and ₹5000 only

UPI enabled card

1.66% reward on departmental stores & grocery spends || dining spends || movie spends

• 6.66 reward points worth ₹1.66, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), can be redeemed on SBI Card’s rewards redemption platform.

0.16% reward on all other card spends

• 0.66 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card transactions
• 1 reward point = ₹0.25 (25 paise), can be redeemed on SBI Card’s rewards redemption platform.

1% fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000

Free EazyDiner Prime Membership: Minimum 25% at 2,000+ premium restaurants and bars

Additional discounts at EazyDiner PayEazy restaurants

Additional 25% discount (up to ₹1,000 per transaction) at select partner restaurants

Monthly Discount Limits

• Base limit: ₹2,000 monthly cap (no spending requirement)
• Enhanced limit: ₹5,000 total monthly cap (requires ₹30,000 card spend in previous month)
• Dining spend range: Base limit reached at ₹8,000 monthly dining spend; enhanced limit at ₹20,000 monthly dining spend

Up to 1% reward on card spending 

• 1% reward on shopping, travel, hotels, entertainment (10 reward points per ₹100, ₹1 value) 
• 0.40% reward on other spends (4 reward points per ₹100, ₹0.40 value)
• No reward on fuel purchases

Value of reward points 

• Point value: 1 reward point = ₹0.10
• Redemption: Only redeemable on EazyDiner app (restaurant bills or other app options)

Fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹500 and ₹3000

Total Protect Insurance

• Coverage: Up to credit limit
• Protection: Unauthorized transactions, card loss/theft, counterfeit fraud

1.66% reward (10X) on the following card spends - departmental stores || groceries || dining || movies 

• Earn 6.6 reward points worth ₹1.6, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

0.16% reward (X) on all other card purchases 

• Earn 0.6 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

Fuel surcharge waiver up to ₹100 per month, valid only on fuel purchases between ₹500 and ₹3000

3% reward on Shoppers Stop purchases up to ₹16,666 per month

• 3 reward points worth ₹3, on every ₹100 spent
• Monthly limit: 500 reward points, reached at ₹16,666 monthly spend 
• 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

1% reward on other card purchases up to ₹1 lakh per month

• 1 reward points worth ₹1, on every ₹100 spent
• Monthly limit: 1000 reward points, reached at ₹1 lakh monthly spend 
• Important exclusions: No reward points on fuel, wallet loads, rent, & utilities, jewellery/gold coins, EMI transactions, account fees and payment.

Fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

2.50% reward (10X) on select online partners – Myntra (fashion) || Cleartrip, Yatra (travel) || Dominos (dining) || BookMyShow (movies) || Apollo24×7, Netmeds (health & medicine) || IGP

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend at these partners.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

1.25% reward (5X) on all other online purchases up to ₹2 lakhs per month 

• Earn 5 reward points worth ₹1.25 (1 rupee & 25 paise), on every ₹100 you spend on all other online purchases.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

0.25% reward (X) on all other card purchases: Earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.

Up to 2% additional reward, based on annual card spending (milestone privileges)

• Get ₹2000 Cleartrip/Yatra voucher, at ₹1 lakh yearly online card spend - 2% reward
• You get an additional ₹2000 Cleartrip/Yatra voucher (total ₹4000 vouchers), at ₹2 lakhs yearly online spend - 2% reward

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

Up to 7% reward on Tata Neu App, on partner Tata Brands

• 2% reward on partner Tata brands on Tata Neu app || 2% reward on bill payments through Tata Neu : You earn 2 NeuCoins worth ₹2, on every ₹100 you spend. This is valid only on non-EMI spends on Tata Neu.
• Additional 5% reward on select Tata brands on Tata Neu app, as a Tata Neu Pass member : As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

Some of the Tata brands on Tata Neu-

• Shopping : BigBasket (grocery), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear & jewellery)
• Flights : Air India, Air India Express
• Hotels : Taj, Ginger, Vivanta, Seleqtions, Ama
  
• Others : Tata Play (entertainment), Cult Fit (fitness), Tata 1 mg (healthcare), Q Min (food delivery)

1% reward on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% reward on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Up to 4% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

• 4% cashback on hotel spends : hotel bookings via MakeMyTrip || hotel bookings via Cleartrip
• 1% cashback on other travel spends : flight bookings (via Cleartrip, EaseMyTrip & Goibibo) || IRCTC train tickets || bus tickets, through RedBus
• 1% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
• Upto 4% cashback at select partners : Flipkart – 1% cashback || Apple - 1% cashback || IGP.com, ZoomCar, Pharmeasy, Jockey, Nykaa, Myntra, MMT Holiday Packages – 4% cashback
• Cashback is given in the form of NeuCoins. 1 NeuCoin = ₹1. You can redeem NeuCoins at various Tata brands, both online and at stores/ hotels (offline)

Complimentary visits to airport lounges in India – 1 time per quarter

• Starting June 10, 2025, cardholders will only be able to access domestic airport lounges if they spend ₹50,000 or more in a calendar quarter

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

2% cashback on grocery purchases || department store purchases || utility bill payments – on total purchases up to ₹2500 per month

• Get ₹2 as cashback, on every ₹100 you spend in these categories
• This is valid only on purchases up to ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month

1% cashback on all other card spends, on spends upto ₹5000 per month

• Get ₹1 as cashback, on every ₹100 you spend
• This is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month
• Important exclusions: No cashback is given on following card spends – fuel, rent, education, government, wallet loads, Bhart Bill Payment System.

Free railway lounge access – 8 times per year (maximum 2 times per quarter)

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹400 and ₹5000 

3% reward on following Paytm spends - travel tickets (flights, train & bus) || shopping at Paytm Mall || movie tickets

• Earn 3 reward points worth ₹3, on every ₹100 you spend in these categories
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

2% reward on all other Paytm spends 

• Earn 2 reward points worth ₹2, on every ₹100 you spend on all other Paytm transaction
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

1% reward on all other card spends (non-Paytm spends) 

• Earn 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.
• Exception: No reward points are given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

Card is exclusively for government sector employees

Low annual fee of ₹199 (and is waived off if you spend ₹75000 in your previous year)

Card is UPI enabled – you can use it for UPI payments

1% cashback (up to ₹200 per month), on all credit card spends (except fuel and railway transactions)

• Get ₹1 (as cashback), on every ₹100 you spend on your credit card
• This is valid on card spends up to ₹20,000 per month, since the maximum cashback is restricted to ₹200 per month

1 free movie ticket (up to ₹200), every 6 months – at BookMyShow

• Get a maximum of 2 free movie tickets per year, one each for every 6 months
• The maximum discount given on the 2nd ticket is ₹200, hence you get benefits of ₹400 every year

1% railway surcharge waiver (up to ₹600 per year), only on railway transactions up to ₹5000

1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4000 only

Lifetime-free (no annual fee) 

Zero forex markup on international transactions

10% travel discounts on Ixigo

• Flight bookings on Ixigo: 10% discount (up to ₹1000), once a month 
• Hotel bookings on Ixigo: 10% discount (up to ₹1000), once a month
• Bus bookings on Ixigo: 10% discount (up to ₹300), once a month

Airport lounge access

• International airport lounges – once per year
• Domestic airport & railway lounges – 16 times per year (domestic lounge access - maximum 8 times per year)
• Spending requirement for domestic lounge access - ₹20,000 in a calendar quarter

Waiver of Payment Gateway (PG) charges on train bookings: Valid 2 times per month on ixigo trains, and 2 times per month on other train tickets.

1.25% reward on online spends

• 5 reward points worth ₹1.25, on every ₹100 spent 
• 1 reward point = up to ₹0.25, redeemable for flights & bookings, mobile/DTH recharge, vouchers, products and more.
• Monthly limit: 10,000 reward points 

0.62% reward on offline spends

• 2.50 reward points worth ₹0.62, on every ₹100 spent
• 1 reward point = up to ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Important exclusions: Reward points are not given on the following transactions - 

• Fuel, rent, Insurance, 
• Jewelry, wallet loads
• Education, government, BPPS & international transactions

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Card liability cover up to ₹1.50 lakhs

• Zero liability for fraudulent transactions, coverage up to ₹1.5 lakhs.
• Protection against card counterfeit/skimming and online frauds.

Complimentary OneApollo Gold Tier membership for 1st year

• If you meet the Apollo annual spend criteria for Gold membership, then you retain the Gold Tier membership after the 1st year, otherwise you are moved to Silver tier membership
• Annual spend criteria for Gold membership : The card holder has to spend at least ₹75,000 at Apollo ecosystem during the year. Or ₹7500 at Apollo Pharmacy, Apollo Sugar & Apollo Clinic.

Benefits of OneApollo Gold Tier membership include-

• 1.50% on spends at Apollo Health Centers (Apollo Hospitals & Clinics, Apollo Pharmacy and more)
• Extra benefits at Apollo Pharmacy: 5% on non-pharmaceutical products, 10% on pharmaceutical products,10 to 15% on Apollo brand products. Benefits given in the form of Apollo Health Credits. 1 Apollo Health Credit = ₹1
• Free home delivery of medicines
• Up to 20% discount on various Apollo services like health check ups, lab services, diagnostics, physio therapy, IVF, home nursing services, dental treatment, and more

3% additional reward on all Apollo spends with your card (in addition to rewards earned as an Apollo member)

• Get 3 reward points worth ₹3, on every ₹100 you spend on various Apollo services
• 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits
• 1 reward point = 1 Apollo Health Credit = ₹1. Reward points first need to be converted to Apollo Health Credits, which can then be redeemed at various Apollo Health Centers - Apollo Hospitals & Clinics, Apollo Pharmacy and more)

2% reward on dining spends || movie spends || entertainment spends

• Get 2 reward points worth ₹2, on every ₹100 you spend in these categories
• 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits

1% reward on beauty & wellness services spends

• Get 1 reward point worth ₹1, on every ₹100 you spend in these categories
• 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits

0.50% reward on all other non-fuel card spends: Get 0.50 reward points worth ₹0.50, on every ₹100 you spend in these categories

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 & ₹3000 

Lifetime free card, enabled for UPI payments

Rewards Program

• 1.2% rewards on UPI transactions (2 points per ₹100)
• 0.60% rewards on all other card spending (1 point per ₹100)

Value of Reward Points & Redemption

• IndusMoments platform: 1 point = ₹0.60 (best value)
• Cashback conversion: 1 point = ₹0.35 (lower rate)

Important Exclusions (No Rewards)

• Fuel purchases
• Real estate & rental payments

Reduced Rewards

• 0.42% rewards on utilities, insurance, government services, education fees
• Earn 0.7 points per ₹100 in these categories

Fuel surcharge waiver

• 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4000 only

7% cashback on all Ola rides

• Get 7 reward points worth ₹7, on every ₹100 you spend on Ola rides
• 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet. You can use OlaMoney to pay for everything starting from your cab fares, mobile bills, DTH recharges, electricity & gas bills, and for online shopping. Some of the premium partners include BookMyShow, eBay, Dominos, Cleartrip, and OYO Rooms.

1% cashback on all other card spends

• 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet.

Fuel surcharge waiver, up to ₹100 per month

No annual fee from 2nd year onwards (lifetime free for select channels)

1% cashback on all weekend card spends || 0.50% cashback on all weekday card spends 

• 2 rewards points worth ₹1 (as cashback), on every ₹100 you spend on weekends 
• 1 rewards point worth ₹0.50 or 50 paise (as cashback), on every ₹100 you spend on weekdays
• Reward points redemption: 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback.

Exceptions:

• 0.70 reward points worth ₹0.52 (52 paise), on the following card spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.
• No reward points are given on fuel spends.

Additional benefit, at ₹5 lakhs annual card spend (milestone benefit)

• 3000 rewards points worth ₹1500, at ₹5 lakhs yearly card spend
• 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback

Free Priority Pass membership worth USD 100 (for international airport lounge access)

• Usage of international lounges is chargeable at USD 32 per visit (please visit the Priority Pass website to view latest lounge visit charges)
• If you are a regular user of international airport lounges, you could enrol for IndusInd Travel Plus program for ₹5000 per year. Under Travel Plus program you do not pay for usage of international airport lounges

BOGO (Buy One Get One Free) at BookMyShow movies, benefits up to ₹200 per month

• Buy one ticket and get up to ₹200 off on the second ticket, at BookMyShow.
• This offer is valid 1 time per month.

24/7 emergency roadside assistance (Legend Auto Assist): Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services): This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Complimentary insurance benefits

Air accident insurance of ₹25 lakhs

Total Protect – this covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card.

Complimentary travel insurance covers-

• Lost baggage cover of ₹1 lakh
• Delayed baggage cover of ₹25000
• Loss of passport cover of ₹50000
• Lost ticket cover of ₹25000
• Missed connection cover of ₹25000

Low fee of 1.80% on international transactions

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000 

0.50% reward on all card purchases

• Earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all card purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.

Exceptions –

• No reward points are given on fuel purchases, rent payments, e-wallet loads, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.
• 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend).

3% reward on flights & gift vouchers, 6% on hotels - through ICICI iSHOP Rewards Platform

• Monthly limit: 9000 rewards points

1% reward on all international spends

• You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.

Up to 0.4% additional rewards (ICICI milestone program)

• 4000 reward points worth ₹1000, at ₹4 lakhs yearly card spend
• Additional 2000 reward points worth ₹500, on each additional ₹1 lakh you spend during the year
• You can earn a maximum of 20,000 reward points per year, under this program.
• Hence you can earn the maximum 20,000 reward points worth ₹5000, at ₹12 lakh annual card spend - 0.41% reward

Complimentary lounge access at international airports – 2 times per year

Complimentary domestic airport lounge access – 4 per quarter || Minimum card spending of ₹75000 required in the previous quarter

Complimentary golf rounds, up to 4 rounds per month

• 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
• Up to a maximum 4 rounds per month.
• For example, if you want to play 4 free rounds of golf this month, then you should have spent a minimum of ₹2 lakhs on your card in the previous month.
• You can choose to take a free golf lesson, instead of a free golf round

BOGO ('Buy One Get One Free') at BookMyShow: 2 free movie tickets (up to ₹500 each) every month

• Buy one movie ticket and get up to ₹500 off on the second ticket, at BookMyShow.
• This offer can be availed maximum 2 times per month.

1% fuel surcharge waiver, valid only on fuel transactions up to ₹4000

24X7 concierge services: Services include restaurant referral and reservation, flower and gift assistance, hotel referral and reservation, flight referral and reservation, car rental and limousine service, booking and delivery of movie tickets, medical concierge privileges, emergency auto assistance across India

10.80% benefit on AC class rail ticket bookings on IRCTC – in non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep)

10% reward

• 10 reward points worth ₹10, on every ₹100 spent in this category
• This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep

0.80% benefit

• You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets.

Reward points redemption: 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC

4.80% benefit on AC class rail ticket bookings on IRCTC – in peak season (1st April – 14th July, and 16th Sep – 14th Jan)

4% reward

• Earn 4 reward points worth ₹4, on every ₹100 spent in this category
• This benefit is valid for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan

0.80% reward

• You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

5% benefit on air ticket purchases on IRCTC (www.air.irctc.co.in)

• You earn 5 reward points worth ₹5, on every ₹100 spent in this category
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC

5% benefit on e-catering purchases on www.ecatering.irctc.co.in

• You earn 5 reward points worth ₹5, on every ₹100 spent in this category
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC

0.80% benefit on all other card spends

• You earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other purchases
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC
• Exceptions : No reward points are given on fuel purchases, rent payments.

Up to 7.50% additional benefit on travel spends (milestone program)

• You get 2500 reward points worth ₹2500, at annual travel spend of ₹50,000 - 5% benefit
• You get an additional 5000 reward points worth ₹5000, at annual travel spend of ₹1 lakh. Hence you can earn 7500 reward points worth ₹7500, at annual travel spend of ₹1 lakh - 7.50% benefit

Complimentary railway lounge access – 2 times per quarter

1% transaction charges waiver on IRCTC railway ticket bookings 

Fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹500 and ₹4000

10% cashback on grocery purchases, dining, food delivery  (up to ₹1000 per month)

• Earning rate: ₹10 per ₹100 spent in these categories
• Monthly cashback limit: ₹1000 (reached at 10,000 spending)

1.50% unlimited cashback on other card spends

• Earning rate: ₹1.50 per ₹100 spent

Important exclusions (no cashback)

• Fuel, e-wallets, property management fees
• Rent, education, government related spends
• Insurance, jewelry & antique items
• Gambling, business to business transactions
• Tolls and bridge fees, financial and non-financial institutions, 
• Security broker services, collection agencies, charity, money transfers and wholesale clubs

Domestic airport lounge access - 1 time per quarter

This Kiwi Axis UPI Credit Card charges zero annual fee, and is UPI enabled

Digital card, which can be used to make UPI payments (online as well as scan & pay), through the KIWI app and other UPI apps

0.20% reward on all card spends

• You get 1 reward point worth ₹0.20, on every ₹100 you spend on your card
• Exceptions : You do not get any reward points on wallet reloads, rental payments, insurance, cash withdrawals, fuel spends, jewelry, government services, education, EMI transactions, UPI transactions of less than ₹2000

Fuel surcharge waiver (up to ₹150 per month), valid only on fuel transactions between ₹400 and ₹4000

UPI-Enabled RuPay Credit Card with Zero Annual Fee

Airport Lounge Access

• 4 domestic lounge visits per year
• Spending requirement: ₹50,000 in previous 3 calendar months 

Up to 3% Cashback on Card Spending

Premium Categories (3% Cashback)

• Online food delivery
• Local commute
• Entertainment
• Earn ₹3 cashback per ₹100 spent

General Spending (1% Cashback)

• Other eligible purchases
• Earn ₹1 cashback per ₹100 spent

Monthly Limits

• Maximum cashback: ₹1,500 per month across all categories

Exclusions & Restrictions (No Cashback Categories)

• Wallet reloads & rental payments
• Cash withdrawals & fuel purchases
• Gift cards & insurance
• Jewelry & government services
• Education fees & EMI transactions
• UPI transactions below ₹2,000

Fuel Benefits

• 1% fuel surcharge waiver up to ₹400 per month
• Valid only on fuel transactions between ₹400-₹5,000

Below rewards are applicable on both UPI as well as regular credit card spends. 

0.75% reward on following spends - groceries || supermarket || dining || PayZapp transactions

• Earn 3 Cashpoints worth ₹0.75, on every ₹100 you spend in these categories.
• 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
• You can earn a maximum of 500 Cashpoints per month

0.50% reward on utility spends

• Earn 2 Cashpoints worth ₹0.50, on every ₹100 you spend in this category
• 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
• You can earn a maximum of 500 Cashpoints per month

0.25% reward on all other card spends

• Earn 1 Cashpoints worth ₹0.25, on every 100 you spend on all other card purchases
• 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
• You can earn a maximum of 500 Cashpoints per month
• Please note that no Cashpoints are given on rent, wallet loads, EMI, fuel, insurance payments & government categories

Other important points-

• This card is issued as a virtual card only, no physical card is issued
• You can apply for this card through HDFC MyCards

Up to 13.3% reward through HDFC Smartbuy Platform

• (10X) 13.3% reward: Hotels, select partners (Jockey, Pharmeasy, IGP.com)
• (5X) 6.6% reward: Flights, bus tickets, MakeMyTrip holiday packages, gift vouchers, select partners (Apple, Myntra, Nykaa, Zoom Car)
• (3X) 4% reward: IRCTC train tickets
• Monthly limit: 4000 reward points, reached at monthly spend between ₹16,666 and ₹75000, depending on spending mix.

1.3% reward on other card spends

• Exceptions: No reward points on rent, government transactions, fuel, EMI, e-wallet loading

Reward Point Values:

• ₹0.50 per point: Flight/hotel bookings, privilege dining catalogue
• ₹0.35 per point: Reward redemption catalogue
• ₹0.20 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

6.6% reward at direct partners

• Swiggy/Zomato: 6.6% rewards (not through SmartBuy platform)
• Monthly limit: 2500 reward points, reached at ₹18,750 monthly spend

Up to 1% additional reward through quarterly milestone

• ₹1.50 lakh spend: ₹1,500 voucher (1% additional reward)
• Voucher options: Marriott, Decathlon, Barbeque Nation, O2 Spa, Lakme Salon

Domestic & international airport lounge access: 2 visits per quarter (both primary and add-on cardholders)

BookMyShow weekend movie offer

• BOGO weekend tickets (Friday-Sunday shows)
• 2 free tickets per month (up to ₹250 per ticket)

Comprehensive Insurance

• Air accident: ₹1 crore coverage
• Overseas hospitalization: ₹25 lakh emergency coverage
• Travel insurance: USD 800 baggage delay (USD 10/hour, 8-hour cap)
• Lost card liability: ₹9 lakh protection

Up to 17.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

• 17.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
• 8.6% (5X): Flights, buses, MakeMyTrip packages, gift vouchers, Apple, Myntra, Nykaa, Zoom Car
• 5.2% (3X): IRCTC train tickets

▶︎ Regular Card Spending

• 8.6% (5X): Marks & Spencer, Myntra, Reliance Digital, Nykaa (online/offline stores)
• 1.7% (1X): All other eligible purchases

Important Exclusions: No reward points given on:

• Rent & property management
• Government transactions
• Fuel purchases
• EMI transactions
• E-wallet loading

▶︎ Monthly Limits

• Smartbuy accelerated rewards: 4,000 reward points (reached at ₹16,666 - ₹75,000 spending, depending on spending category mix)
• Select partners (Marks &Spencer, Myntra, etc.): 5,000 reward points (reached at ₹37,500 spending)

▶︎ Redemption Value of 1 Reward Point

• ₹0.65: Exclusive Gold Catalogue (premium brands via Smartbuy)
• ₹0.50: Flight/hotel bookings via Smartbuy
• ₹0.35: Vouchers and products
• ₹0.20: Cashback to statement

Reward rates mentioned above assume redemption via Exclusive Gold Catalogue for maximum value

Up to 2.1% through Milestone Rewards 

▶︎ Quarterly Benefits:

• ₹1,500 shopping vouchers at ₹1.5 lakh spend (from Marriott, Myntra, M&S, or Reliance Digital)

▶︎ Annual Benefits:

• ₹5,000 flight voucher at ₹5 lakh spend
• Additional ₹5,000 flight voucher at ₹7.5 lakh spend

▶︎ Maximum earning potential: ₹16,000 in milestone vouchers annually

Travel Perks

• 12 complimentary domestic lounge visits per year
• 6 complimentary international lounge visits per year
• 2% forex markup on international transactions

Insurance Coverage

• ₹1 crore accidental air death cover
• ₹15 lakh overseas medical emergency coverage
• ₹9 lakh lost card liability protection

Annual Fee

• Free for HSBC Premier Banking customers (meeting Premier Banking criteria)

Up to 36% Accelerated Travel Rewards

• Flight bookings: 18% rewards (18 points per ₹100)
• Hotel bookings: 36% rewards (36 points per ₹100)
• Monthly cap: 18,000 accelerated reward points

Standard Rewards - 3%

• All other purchases: 3% rewards (3 points per ₹100)

Reward Exclusions & Limits

• No points on: Fuel, cash advances, fees/charges, disputed transactions
• Monthly spending cap: ₹1 lakh combined spending limit on utilities, tax, real estate, insurance, financial institutions, e-wallet, education, government, jewelry purchases

Value of Reward Points

• Reward point conversion: 1:1 ratio to a variety of airline & hotel partners (usually the best value)
• Reward points can also be used for buying gift vouchers, Apple products, and more
• Expiry: Reward points never expire

Travel & Golf

• Unlimited airport lounge access (India & abroad)
• 24 complimentary golf rounds annually (maximum 2 per month)
• 12 complimentary golf lessons annually (maximum 2 per month) 
• 0.99% foreign exchange fee on international transactions 
• Up to 20% on hotel bookings with Agoda

Dining

• 30% discount at EazyDiner restaurants (up to ₹1,250)
• Minimum bill: ₹3,000 | Valid once per month

2.50% cashback on departmental store, grocery purchases, movie & dining spends

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback
• Monthly limit: 7500 reward points, reached at ₹7500 monthly spending 

0.50% cashback on all other credit card spends 

• Earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.
• Exceptions: No reward points are given on the following card spends - fuel, rent, government transactions.

Up to 2.2% additional reward through milestone benefits

• Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend - 2% benefit
• Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend - 1.4% benefit
• Hence you could earn vouchers worth ₹11000 if you achieve all the above quarterly spend targets, as well as the annual card spend target of ₹5 lakhs - 2.2% benefit

Complimentary visits to airport lounges in India – 2 times per quarter

Complimentary visits to airport lounges outside India – 4 times per year (maximum 2 per quarter)

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary credit card fraud liability cover of ₹1 lakh: This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders

Secured card, issued against minimum fixed deposit of ₹25000

No annual fee for the first 4 years 

0.25% basic rewards on card spending

• Up to 0.25% rewards on all eligible spending (1 reward point per ₹100 spent)
• Reward points can be redeemed for gifts on SBI Rewards Catalogue

Important exclusions: No reward points

• Cash withdrawals & balance transfers
• Encash & FlexiPay transactions
• Fuel purchases

Up to 1% additional reward through milestone program

• ₹500 cashback, at ₹50,000 yearly spending (1% reward)
• Cashback credited within 15 days of reaching required spending

Fuel surcharge waiver

• 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3000
• Waiver amount is restricted to ₹100 per month

American Express Credit Cards has paused issuing new credit cards until further notice.

5% - 10% reward at select partners, on total purchases up to ₹2500 per month (Select partner list - Flipkart, Myntra, Zomato, Ajio, Nykaa, BlinkIt, EaseMyTrip, Uber, BookMyShow, PVR)

▶︎ 5% reward

• 20 reward points worth ₹5, on every ₹100 spent at these partners
• Reward points redemption: 1 reward point = 0.25 when you redeem reward points on options like cashback to statement (statement credit), and various e-vouchers

▶︎ 10% reward

• 20 reward points worth ₹10, on every ₹100 spent at these partners
• Reward points redemption: 1 reward point ≈ 0.50 when you also take other Amex cards like American Express Membership Rewards® Credit Card which helps you to club reward points and redeem them for more rewarding options like 18 Karat Gold Collection and 24 Karat Gold Collection

2.50% - 5% reward at select partners, on total purchases up to ₹2500 per month. Select partner - Amazon

▶︎ 2.50% reward

• 10 reward points worth ₹2.50, on every ₹100 spent at these partners
• 1 reward point = 0.25 when you redeem reward points on options like cashback to statement (statement credit), and various e-vouchers

▶︎ 5% reward

• 10 reward points worth ₹5, on every ₹100 spent at these partners
• 1 reward point ≈ 0.50 when you also take other Amex cards like American Express Membership Rewards® Credit Card which helps you to club reward points and redeem them for more rewarding options like 18 Karat Gold Collection and 24 Karat Gold Collection

0.50% - 1% reward on all other card spends

• 2 reward points worth ₹0.50 - ₹1, on every ₹100 spent at these partners
• Important exclusions: No reward points are given on the following card transactions - fuel, insurance, utilites, EMI conversion at Point of Sale, cash advances, express cash transactions, drafts made from the account, balance transfers and fees. 

Additional ≈ 0.50% reward through the milestone program

• Vouchers worth ₹500, at ₹1.20 lacs annual card spend
• Additional vouchers worth ₹500, at ₹1.80 lacs annual card spend
• Additional vouchers worth ₹500, at ₹2.40 lacs annual card spend

1% fuel surcharge waiver at HPCL fuel pumps, and valid only on fuel transactions below ₹5000

American Express Credit Cards has paused issuing new credit cards until further notice.

Up to ≈ 6% reward on card spending at ₹20,000 monthly card spend, AND minimum 4 card transactions of ₹1500 each

• Base reward: 2 reward points worth ≈ ₹1, on every ₹100 spent = 1% reward
• Monthly milestone reward: 1000 reward points worth ≈ ₹500, at ₹20,000 monthly card spend = 2.5% reward
• Bonus reward points: 1000 reward points worth ≈ ₹500, if you do a minimum of 4 card transactions of ₹1500 each in a month = 2.5% reward
• We have assumed 1 reward point = ₹0.50, it can vary between ₹0.25 to ₹0.58 depending on the redemption you choose, read our review for details
• Important exclusions: No reward points are given on the following card spends - fuel, insurance, cash transactions, utility spends as well as on EMI conversion at Point of Sale.

Fuel surcharge waiver on fuel transactions up to ₹5000

Amex benefits & offers 

• Enjoy up to 20% dining discounts or complimentary privileges at select restaurants like Mariott, Olive, Bee Cafe, the Lalit, etc
• Enjoy special discounts, cashbacks, and bonus points on traveling, shopping and dining with this card
• 24/7 concierge services for customer care service and Emergency Card Replacement
• Zero lost card liability
• Contactless payments

Lifetime free card

0.6% reward (in airmiles), on all annual card purchases up to  ₹4 lakhs (X)

• 2 reward points on every ₹150 card spend on your card (meaning 1.33 reward points worth 0.66 airmiles, on every ₹100 spent) - 0.66% reward.
• Reward points redemption: 1 reward point = 0.50 airmiles of various airlines

Accelerated rewards (in airmiles): 4% on hotels (6X), 2.6% on flights (4X)

3.3% reward (in airmiles), on all annual card purchases between ₹4 lakhs and ₹6.25 lakhs (5X)

• 10 reward points on every ₹150 you spend on your card (meaning 6.66 reward points worth 3.33 airmiles, on every ₹100 spent) - 3.33% reward.
  - Reward points are capped at 15000 per year, which you will reach when you reach ₹6.25 lakhs annual card spend
• 1 reward point = 0.50 airmiles of various airlines

Zero liability for lost cards, up to ₹3 lakhs 

• If you lose your HSBC Cashback Credit Card, you’ll bear no liability for transactions made on the card after reporting and registering the loss with the bank. 
• You’re also covered for any misuse of your HSBC Cashback Credit Card for up to 24 hours before reporting and registering the loss, up to a limit of ₹3 lakhs.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹4000

Domestic hotel bookings on EaseMyTrip: 20% discount (up to ₹5000), once per month

• Hence you get 20% discount on hotel bookings up to ₹25,000. On bookings above ₹25,000, you will only get the maximum discount of ₹5000, and your discount percentage will fall below 20%
• You can avail this discount once per month.

International hotel bookings on EaseMyTrip: 20% discount (up to ₹10,000), once per month

• Hence you get 20% discount on hotel bookings up to ₹50,000. On bookings above ₹50,000, your discount percentage will fall below 20%.
• You can avail this discount once per month.

Domestic flight bookings on EaseMyTrip: 10% discount (up to ₹1000), once per month 

• Hence you get 10% discount on flight bookings up to ₹10,000. On bookings above ₹10,000, your discount percentage will fall below 10%.
• You can avail this discount once per month.

International flight bookings on EaseMyTrip: 10% discount (up to ₹5000), once per month

• Hence you get 10% discount on flight bookings up to ₹50,000. On bookings above ₹50,000, your discount percentage will fall below 10%.
• You can avail this discount once per month.

Bus bookings on EaseMyTrip: ₹125 discount on minimum booking of ₹500, once per month 

• On bus booking of exactly ₹500, you get a 25% discount. On bookings above ₹500, your discount percentage will fall below 25%.
• You can avail this discount once per month.

Additional 0.50% reward on all EaseMyTrip spends

• In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on all EaseMyTrip spends 
• Reward points redemption: 1 reward point = ₹0.25 (25 paise), and can be redeemed on R360, the rewards redemption platform of Standard Chartered

2.50% reward on spends at hotel and airline websites/apps/outlets 

• You earn 10 rewards points worth ₹2.50, on every ₹100 spent in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on R360, the rewards redemption platform of Standard Chartered

0.50% basic benefit on all other card spends: You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases

Complimentary airport lounge access in India – 2 times per year

Domestic Airport Lounge Access: 1 visit per quarter (requires ₹50,000 spend in previous 3 months)

Dining Offers

• Swiggy: ₹120 discount on minimum orders of ₹500, valid 2 times a month
• EazyDiner Restaurants: 15% discount (up to 500) on minimum orders of ₹2500, valid once a month

 Zomato District Movie offer: BOGO movie ticket discounts, up to ₹200 per month

Ajio Offer: Up to ₹300 discount on select products (minimum ₹2,000 order)

Base Rewards: 0.40% reward on card spending

• Earn rate: 2 EDGE points per ₹100 (₹0.40 value)
• Point value: 1 point = ₹0.20

Important exclusions (no rewards)

• Movie transactions, rent, fuel, insurance, EMI, wallet loading
• Utilities, government/education payments, rental payments/brokerage

Fuel surcharge waiver up to ₹400 per month, and valid only on fuel transactions between ₹400 and ₹4000

Axis Grab Deals Platform

• Cashback: Up to ₹1,000 per month from partner offers
• Gift voucher discounts with brand-specific conditions