Best Credit Card Offers on Flight Booking 2025: Airmiles, Flight Discounts & Rewards

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

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

Up to 24% Rewards (in Airline/Hotel Partner Points) on Card Spending

▶︎ Core Rewards Structure

Travel Categories 

• 4% rewards (in airline/hotel partner points) on flights, travel aggregators, international spending
• Monthly cap: 50,000 points 
• 1 reward point = 1 airline/hotel partner point

General Spending 

• 2% rewards (in airline/hotel partner points) on all other eligible purchases
• 1 reward point = 1 airline/hotel partner point

▶︎ Bonus Rewards on Travel Spends

• 24% total rewards (in airline/hotel partner points) on hotel bookings (via travel aggregators)
• 16% total rewards (in airline/hotel partner points) on flight bookings
• Monthly bonus cap: 18,000 points

Important Exclusions: No reward points given on:

• Education & government payments
• E-wallets & financial institutions
• Fuel, insurance, jewelry
• Money transfers & tax payments
• Real estate related
• Utilities & bail/bond payments

Up to 0.8% Additional Rewards through Milestone Benefits

• 10,000 bonus reward points worth 10,000 travel partner points, at ₹12 lakh annual spend
• 0.8% additional reward rate (in airline/hotel partner points) from above earnings

Up to 15% Savings through Travel Partnerships 

• Up to 15% savings on Yatra, EaseMyTrip, PayTM Travel, ClearTrip

Domestic & International Airport Lounge Access

• 6 domestic lounge visits per year
• 4 international lounge visits per year

Golf Benefits

• 4 free rounds per year
• 12 free lessons per year (max 1/month)
• 50% off additional green fees

Movie & Dining Offers through Zomato

• BOGO movie tickets: 2 free tickets (up to ₹200 each) monthly
• 10% dining discount: Up to ₹1,000 discount, valid once per month
• 10% discount on event tickets: Up to ₹1,000 discount, valid once per month

Duty-Free Shopping Discounts

• 20% duty-free discount via Adani One app
• Up to ₹3,000 savings on minimum ₹8,000 order
• Valid once per year

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

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

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.

7% reward on Spicejet spends (Spicejet mobile app or website)

• 14 SpiceClub Points worth ₹7, on every ₹100 spent
• 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

3% reward on online food orders, online bill payment, and online entertainment

• 6 SpiceClub Points worth ₹3, on every ₹100 spent

1.50% reward on other card spends

• 3 SpiceClub Points worth ₹1.50, on every ₹100 spent
• Important exclusions: No SpiceClub Points are given on fuel, wallet loads, government, insurance, education, rent, all EMI transactions, cash advances, payment of outstanding balances, payment of card fees and other card charges

Up to 1.25% additional milestone benefit

• 4000 SpiceClub Points worth ₹2000, at annual card spend of ₹2 lakhs
• Additional 6000 SpiceClub Points worth ₹3000, at annual card spend of ₹4 lakhs
• Total 10,000 SpiceClub Points worth ₹5000, at annual card spend of ₹4 lakhs – 1.25% reward

Domestic airport lounge access – 8 per year (requires minimum ₹50,000 spend in the previous 3 months)

Complimentary SpiceClub Gold membership:

• Welcome vouchers worth ₹7500
• Priority checkin
• 30% discount on upgrades & meals
• 1 free change/ cancellation

15% discount (up to ₹500) at EazyDiner restaurants, valid once per month

Fuel surcharge waiver up to ₹400 per month

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

▶︎ 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

Upto 24% Rewards on Travel Spending

• Hotel bookings: 24% rewards (12X points)
• Flight bookings & gift vouchers: 12% rewards (6X points)
• Monthly limit:15,000 reward points combined, reached at spending between ~₹68,000 and ₹1.5 lakh

2% Rewards on Other Domestic Spends, 2.50% on International Spends

Value of reward points

• Best value: 1 point = ₹1 (flights, hotels, select vouchers). Above reward rates assumes this redemption rate
• Cashback: 1 point = ₹0.40
• Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits

• Spending range: ₹2 lakh to ₹25 lakh annually
• Total value: Up to ₹70,000 in milestone rewards across various spending tiers

Unlimited Airport Lounge Access

• Lounge access: Unlimited domestic and international (Priority Pass included)
• Coverage: Primary and add-on cardholders

Premium Transfers (After ₹5 lakh annual spend)

• Helicopter service: Limited to Bangalore Airport (twice yearly)
• Luxury sedan transfers: Airport pickup/drop service (twice yearly)

International Travel Benefits

• Forex fee: Reduced 1.49% markup (vs. 3.50% industry standard)
• Rewards: 2.50% on all overseas spending

The Quorum Club Access

• 20% discount at exclusive restaurants
• Access to premium events and experiences
• Complimentary co-working space access
• 15% discount on club memberships

Concierge & Events

• CribLife Concierge: 24/7 international and domestic lifestyle management services
• Times Group Events: Exclusive access to ET Awards and celebrity chef experiences
• Premium experiences: Curated events and dining opportunities

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

▶︎ 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

▶︎ Upto 40% Rewards on Card Spending

Up to 40% accelerated travel rewards, through IDFC accelerator program

• 40% rewards on hotels, 20% on flights
• Monthly limit: 2,00,000 reward points

High base rewards: 6.66%

• Rate: 10 reward points per ₹150 (₹10 value)
• Important exclusions: Fuel, government, EMI, cash withdrawals
• Reduced reward categories: Insurance (0.66%), rental/property/education (2%)

Value of reward points: 1 point = ₹1 (for hotel/flight redemptions)

Additional benefits, based on spending milestones

• ₹15 lakh (every 6 months): Taj Experiences Signature Dining Voucher
• ₹40 lakh annually: Club ITC Culinaire Select membership

▶︎ World-Class Travel Benefits

Unlimited airport & railway lounge access, zero forex fee

• International airports: Primary + add-on cardholders
• Domestic airports & spas: Primary + add-on cardholders
• Railway lounges: Unlimited domestic access
• Forex: Zero markup on international transactions

Hotel Partnerships

• ITC Hotels: Free 3rd night on 2-night stays OR 50% off 2nd night
• Postcard Hotels: ₹7,500 off minimum ₹25,000 spend (once monthly)

▶︎ Entertainment & Leisure Benefits

Golf Benefits

• Domestic: Unlimited rounds and lessons in India
• International: 1 complimentary round per quarter at select courses

Exclusive Memberships

• Quorum Club: 20% off joining fees + 20% restaurant discounts (minimum ₹5,000 spend)

Movie Benefits

• Discount: 100% off up to ₹750 per transaction
• Usage: 2 times monthly on movies, food combos, non-movies

▶︎ Comprehensive Insurance Coverage

Comprehensive Protection

• Personal accident: ₹25 lakh general coverage
• Air accident: ₹2.5 crore coverage
• Card liability: ₹5 lakh protection
• Credit shield: ₹5 lakh coverage
• Purchase protection: ₹5 lakh coverage

Travel Insurance (USD 1,200 total)

• Baggage loss: USD 500 | Baggage delay: USD 100
• Document loss: USD 300 | Flight delay: USD 300
• CFAR insurance: ₹50,000 cancellation cover (2 claims annually)

Emergency Support

• Roadside assistance: ₹1,399 value, 4 times annually across India

▶︎ Upto 20% Reward on Travel & Zero Forex Fee 

Accelerated travel rewards:

• Hotels: Up to 20% rewards (60X points) via IDFC Accelerator program
• Flights: 13.3% rewards (40X points) via IDFC Accelerator program
• Monthly Limits: Maximum 25,000 bonus reward points per month

Zero forex markup: No fees on international transactions

▶︎ Upto 3.3% Reward on Other Spends

Up to ₹20,000 Monthly Spend: 1.6% rewards (5X program)

• Earn 5 reward points per ₹150 spent (₹2.50 value)
• Reward point value: ₹0.50 for flight/hotel redemptions

Above ₹20,000 Monthly Spend: 3.3% rewards (10X program)

• Earn 10 reward points per ₹150 spent (₹5 value)
• Reward point value: ₹0.50 for flight/hotel redemptions

Important Exclusions & Special Categories

• Insurance & utilities: 0.33% rewards (1X) - excluded from 10X tier threshold calculation
• Rental, education, wallet loads, government: 1% rewards (3X) - excluded from 10X tier threshold calculation
• No rewards: Fuel, EMI, loan transfers, balance transfers, fees, cash withdrawals

▶︎ Other Benefits 

Airport & Railway Lounge Access (Requires ₹20,000 monthly spend in previous month)

• Domestic lounge access: 4 times per quarter (+ 1 guest visit)
• International lounge access: 4 times per quarter
• Railway lounge access: 4 times per quarter

Golf Benefits

• Spend-based: 1 free round/lesson per ₹20,000 spent (maximum 2 per month)
• Mastercard benefit: 4 free rounds annually + 1 lesson monthly

Entertainment, Fuel & Mobility

• Movies: BOGO offer - 2 free tickets monthly (up to ₹500 off 2nd ticket, valid twice monthly)
• Fuel: Surcharge waiver up to ₹300 monthly (valid on fuel transactions between ₹200-₹5,000)
• Roadside Assistance: 24/7 emergency support worth ₹1,399 (4 times yearly)

▶︎ Comprehensive Insurance Coverage

• Card Protection: ₹50,000 for fraud/counterfeit transactions
• Personal Accident: ₹10 lakhs general cover
• Air Accident: ₹1 crore coverage
• Travel Insurance: USD 1,200 total (baggage loss/delay, document loss, flight delays)
• CFAR Insurance: ₹50,000 cancellation cover for flights/hotels (2 claims yearly)