Best Credit Cards with Golf Benefits in India 2025: Free Golf Rounds & Lessons

▶︎ 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 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 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

▶︎ 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

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

Earning Rewards - 12% on Hotels, 6% on Flights/Vouchers, 1% on Other Spends

• Accelerated rewards on hotels, flights and vouchers through iSHOP portal
• Maximum accelerated reward points - 12,000 per month

Unlimited complimentary airport lounge access both in India and abroad

Buy One Get One Free Offer: 4 free BookMyShow movie tickets (up to ₹750 each) per month 

• Buy one movie ticket and get up to ₹750 off on the second ticket, at BookMyShow.
• This offer is valid on non-movie tickets booked through BookMyShow also
• This offer can be availed maximum 4 times per month.

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
• You can choose to take a free golf lesson, instead of a free golf round

Lower forex fee of 2%

24x7 concierge service 

• Restaurant referral and reservation
• Flight referral and reservation
• Hotel referral and reservation
• Car rental and limousine service
• Flower and gift assistance
• Booking and delivery of movie tickets: This service is currently available in New Delhi, Mumbai, Bengaluru and Chennai)
• Emergency auto assistance across India: A host of emergency auto assistance services are available for you in New Delhi, Mumbai, Kolkata, Hyderabad, Bengaluru and Chennai including towing, repair and alternative travel assistance
• Medical concierge privileges: In case of any unforeseen situation should you need to be moved to a place where appropriate medical care is available, the i-Assist team can arrange for air and/ or surface transportation and communication to move you to the required hospital. i-Assist can also put you in touch with physicians, hospitals, clinics, dentists and dental clinics on request. You can also ask to set up appointments with local doctors.

No cancellation charges on domestic flight, hotel & movie bookings (cancellation for any reason insurance): Get a refund of up to ₹12,000 for a maximum of 2 transactions in a year, on any domestic flight/hotel/movie ticket booking cancellation

Option to choose annual fee or monthly fee

1. Annual fee of ₹12,000, which is waived on spending ₹10 lakhs in a year
2. Or a monthly fee of ₹1000, which is waived on spending ₹1 lakh in a year

Fuel Surcharge Waiver: 1% fuel surcharge waived off on fuel transactions at any fuel outlet.

Comprehensive insurance covers  

• Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection: ₹50,000
• Personal Accident due to Air (Death only): ₹3,00,00,000
• Purchase Protection: ₹1,40,000
• Baggage Insurance: ₹25,000
• Loss of Checked in Baggage: ₹84,000
• Delay of Checked in Baggage: ₹21,000
• Loss of Passport and travel related documents: ₹35,000
• Missing of Connecting International Flight During Transit: ₹21,000
• Plane Hijacking: ₹1 lakh
• Delay in Flight: ₹17,500
• Medical Expenses for Bodily injury caused by and arising out of Rail/Road accident: ₹50,000
• Credit Shield: ₹1 lakh

Complimentary domestic airport lounge access - 4 times per quarter || Complimentary international airport lounge access - 2 times per quarter

• Spending requirement: You need to spend ₹20,000 on your card in the previous month, to avail this offer

Complimentary railway lounge access – 4 times per quarter

• Spending requirement: You need to spend ₹20,000 on your card in the previous month, to avail this offer

Complimentary golf benefits – up to 2 golf rounds or lessons per month

• You get maximum 2 free golf rounds or lessons per month (1 free round or lesson for every ₹20,000 you spend on your card in the previous month)

BOGO (‘Buy One, Get One’) movie offer: 2 free movie tickets each month via Zomato District App

• You get up to ₹400 off on the 2nd ticket
• This offer is valid 2 times per month

Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations: Cancellation cover for 2 claims up to ₹25,000, is available for hotel and flight booking cancellations

Low foreign currency fee of 1%

Complimentary insurance covers

• ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card
• ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event
• Air accident cover of ₹1 crore
• Travel insurance cover of USD 1200: Loss of checked-in baggage – USD 500; delay of checked-in baggage – USD 100; loss of passport and other documents – USD 300; delay in flight – USD 300

Emergency complimentary roadside assistance (RSA) package worth ₹1399

• 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure
• You can avail this benefit up to 4 times a year

1.3% reward on monthly card spends up to ₹20,000 (5X program)

• Earn 5 reward points worth ₹2 on every ₹150 you spend on your card – 1.3% reward
• 1 reward point = ₹0.40 for flight & hotel redemptions

Exceptions

• No reward points are given on fuel, EMI transactions, loan on card, balance transfer, fees & cash withdrawals.
• 0.26% reward (X reward) on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)
• 0.80% reward (3X reward) on the following card spends - rental & property management related, education, wallet loads and government transactions.

2.6% reward on monthly card spends above ₹20,000 (10X program)

• Earn 10 reward points worth ₹4 on every ₹150 you spend on your card – 2.6% reward
• 1 reward point = ₹0.40 for flight & hotel redemptions

Exceptions

• No reward points are given on fuel, EMI transactions, loan on card, balance transfer, fees & cash withdrawals.
• Utility bill payment spends and insurance spends are not part of 10X rewards threshold calculations. These spends earn 0.26% reward (X reward)
• Rental & property management related spends, education spends, wallet loads and government spends are not part of 10X rewards threshold calculations. These spends earn 0.80% reward (3X reward)

Up to 16% accelerated rewards on hotels (60X) || 10.6% (40X) rewards on flights - through newly launched IDFC Accelerator program

Fuel surcharge waiver up to ₹300 per month, and valid only on fuel transactions between ₹200 & ₹5000

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

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

0.50% reward on all card purchases in India

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

Exceptions :

• No reward points are given on fuel purchases, rent payments, e-wallet loads.
• 0.25% benefit on utilities, and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on utilities and insurance spends.

1% reward on all international card spends 

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

ICICI milestone program - up to 0.3% additional reward

• Earn 3000 reward points worth ₹750, at ₹3 lakh yearly card spend
• Get additional 1500 reward points worth ₹375, on each additional ₹1 lakh you spend during the year
• You can earn a maximum of 15,000 reward points per year, under this program
• Hence you could earn a maximum of 15,000 reward points worth ₹3750, at ₹11 lakh annual card spend - 0.34% benefit

Complimentary domestic airport lounge access – 2 times per quarter (minimum card spending of ₹75000 is required in the previous quarter)

Complimentary railway lounge access – 2 times per quarter 

Up to 2 free golf rounds per month (minimum card spending of ₹50000 is required for each round of golf)

• You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month
• Maximum 2 free rounds per month.
• You can choose to take a free golf lesson, instead of a free golf round.

25% discount (up to ₹150) at BookMyShow movie tickets - 2 times per month

• You can avail this offer 2 times a month, at BookMyShow. Minimum requirement of 2 tickets to avail this offer.
• When you purchase a minimum of two tickets, you get a 25% discount (up to ₹150)
• Hence you get a 25% discount on movie ticket transactions up to ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (up to ₹150) at INOX movie tickets - 2 times per month

• You can avail this offer 2 times a month, at INOX. Minimum requirement of 2 tickets to avail this offer.
• When you purchase a minimum of two tickets, you get a 25% discount (up to ₹150)
• Hence you get a 25% discount on movie ticket transactions up to ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

Fuel surcharge waiver only on fuel transactions between ₹400 and ₹4000

24/7 premium concierge services: You get unparalleled convenience with i-Assist, ICICI Bank’s 24×7 premium concierge service designed to cater to all your needs.

• Hotel referral and reservation
• Restaurant referral and reservation
• Flight referral and reservation
• Car rental and limousine service
• Flower and gift assistance
• Booking and delivery of movie tickets
• Medical concierge privileges
• Emergency auto assistance across India

Unlimited airport lounge access

• Domestic: Unlimited visits for primary + add-on cardholders + 12 guest visits annually
• International: Unlimited visits for primary + add-on cardholders + 12 guest visits annually

Golf & entertainment

• Golf: 50 complimentary rounds annually
• Movies: 5 free tickets monthly via BookMyShow BOGO (up to ₹500 each)
• Events: 5 free non-movie tickets monthly via BookMyShow BOGO (up to ₹1,000 each)

Premium memberships (complimentary)

• EazyDiner Prime: Restaurant discounts and privileges
• Club ITC Culinaire: Culinary experiences and benefits
• Accor Plus: Hotel benefits across Accor properties
• Club Marriott Asia Pacific: Marriott hotel privileges

15% discount on hotels: Oberoi, Trident Hotels, Postcard Hotels

Reduced forex fee of 1.5%

Fuel & insurance

• Fuel surcharge waiver: Up to ₹400 monthly (on transactions between ₹400-₹4,000)
• Purchase protection: ₹2 lakh coverage
• Travel insurance: USD 500 baggage/document coverage
• Credit shield: ₹5 lakh coverage

1.5%-3% reward on domestic spending

• Cash-equivalent: 7.5 EDGE points per ₹100 = ₹1.50 value (1 point = ₹0.20, on Axis rewards redemption portal)
• Travel partner transfers: 7.5 EDGE points = 3 partner points = 3% value (1 point = 0.40 airline/ hotel partner points)

3%-6% reward on international spending

• Cash-equivalent: 15 EDGE points per ₹100 = ₹3 value
• Travel partner transfers: 15 EDGE points = 6 partner points = 6% value

Important exclusions (no rewards)

• Gold/jewelry, wallets, government, insurance, fuel, utilities
• Card fees, rent above ₹1 lakh monthly
• Rent rewards capped at ₹1 lakh monthly payments

Important travel transfer partners

Airlines

• AirAsia, Air Canada, Air France-KLM, Ethiopian, Etihad, JAL
• Qantas, Qatar Airways, Singapore Airlines, SpiceJet, Thai Airways
• Turkish Airlines, United Airlines, Vistara

Hotels

• Accor, ITC, IHG Hotels & Resorts, Marriott International, Wyndham

Transfer Ratio: 5 EDGE points = 2 partner points (1 EDGE point = 0.40 partner point)

Lifetime Free Credit Card 

Welcome Benefits

• ₹500 voucher on spending ₹5,000 within 30 days
• 5% cashback (up to ₹1,000) on first EMI within 30 days

Core Rewards Structure 

• Up to ₹20,000 per month spending: 0.50% rewards (3 points per ₹150 spent)
• Above ₹20,000 per month & birthdays: 1.66% rewards (10 points per ₹150 spent)

Enhanced Travel Rewards

• 8.3% extra on hotel bookings (50 bonus points per ₹150 spent)
• 3.3% extra on flight bookings (20 bonus points per ₹150 spent)
• Monthly limit: 8,000 points

Reward Point Value & Redemption

• 1 reward point = ₹0.25 via IDFC PoshVine Reward Portal

Important Exclusions

• No rewards: Fuel, EMI, cash withdrawals
• Reduced rates: 0.16% on insurance & utilities, 0.5% on rent/education/wallets/government

Lounge Access (requires ₹20,000 monthly spend in previous month)

• Domestic airport lounges: 2 visits per quarter 
• International airport lounges: 2 visits per quarter
• Railway lounges: 4 visits per quarter 

Movies & Golf

• Movies: BOGO movie tickets via Zomato District, 2 tickets per month (up to ₹250 off on 2nd ticket)
• Golf benefits: Up to 2 free rounds/lessons per month (1 free for every ₹20,000 spent in previous month)

Fuel & Mobility

• 1% fuel surcharge waiver up to ₹300 per month. Valid on fuel transactions between ₹200 - ₹5,000
• 24/7 roadside assistance (₹1,399 value). 4 incidents per year: tire service, battery jump-start, fuel delivery, key replacement, towing

Insurance Coverage

Travel Protection

• Cancellation insurance (hotel/ flight cancellations): Up to ₹10,000 for 2 claims (CFAR coverage)
• Air accident cover: ₹1 crore
• Travel insurance: USD 1,200 total coverage
  • Baggage loss: USD 500
  • Baggage delay: USD 100
  • Passport/document loss: USD 300
  • Flight delay: USD 300

General Protection

• Personal accident: ₹10 lakh cover
• Card fraud protection: ₹50,000 for lost card liability, skimming, online fraud

Annual fee for 1st year is ₹20,000, from second year onwards is ₹10,000

2.50% reward on all domestic card spends

• Earn 10 reward points worth ₹2.50, on every ₹100 spent within India
• Exceptions: No reward points are given on the following card spends - Fuel, Cash Advance, Fee, Charges, LoungeKey Charges, EMI on Call & Instant EMI

5% reward on all international card spends

• Earn 20 reward points worth ₹5, on every ₹100 spent outside India

Unlimited complimentary domestic airport lounge access 

• Unlimited access for both the primary and add-on cardholder(s)
• You also get complimentary access for a guest - 4 times per year (maximum 1 time per quarter)

Unlimited complimentary international airport lounge access

• Unlimited access for both the primary and add-on cardholder(s)
• You also get complimentary access for a guest - 4 times per year (maximum 1 time per quarter)

Buy One Get One Free Movie Offer at BookMyShow: 4 free movie tickets (up to ₹250 each) per month

BookMyShow Events Offer

• Get 50% off on Event tickets including Experiences, Events, Plays and Sports
• Cardmembers can avail discount of up to ₹1000 every calendar month

Low foreign currency fee of 0.50% on international card transactions

Complimentary golf benefits in India

• 12 free golf rounds per year (maximum 3 free golf rounds per calendar quarter)
• 4 free golf rounds per year for guests (maximum 1 free golf round per calendar quarter)
• 12 complimentary golf lessons per year (maximum 3 free golf lessons per calendar quarter)

Complimentary insurance benefits

• Credit Shield: The outstanding amount on your card is covered upto ₹15 lakhs in case of accidental death of primary cardmember.
• Lost Card Liability: ₹10 lakhs

Fuel surcharge waiver at all fuel stations across India for transactions between ₹400 to ₹5000

Annual fee for 1st year is ₹50,000, from second year onwards is ₹10,000

2.50% reward on all domestic card spends

• Earn 10 reward points worth ₹2.50, on every ₹100 spent within India
• Exceptions: No reward points are given on the following card spends - Fuel, Rent, Wallet upload, Government, Advertising/Marketing, Cash Advance, Fee, Charges, LoungeKey Charges, EMI on Call & Instant EMI

5% reward on all international card spends: Earn 20 reward points worth ₹5, on every ₹100 spent outside India

Unlimited complimentary domestic airport lounge access || Unlimited complimentary international airport lounge access

• Unlimited access for both the primary and add-on cardholder(s)
• You also get complimentary domestic & international airport lounge access for a guest - up to a total of 12 times per year

Low foreign currency fee of 0.50%

Buy One Get One Free Movie Offer at BookMyShow: 4 free movie tickets (up to ₹250 each) per month

BookMyShow Events Offer

• Get 50% off on Event tickets including Experiences, Events, Plays and Sports
• Cardmembers can avail discount of up to ₹1000 every calendar month

Complimentary golf benefits in India

• 12 free golf rounds per year (maximum 3 free golf rounds per calendar quarter)
• 4 free golf rounds per year for guests (maximum 1 free golf round per calendar quarter)
• 12 complimentary golf lessons per year (maximum 3 free golf lessons per calendar quarter)

Complimentary insurance benefits

• Credit Shield: The outstanding amount on your card is covered upto ₹15 lakhs in case of accidental death of primary cardmember.
• Lost Card Liability: ₹10 lakhs

Fuel surcharge waiver at all fuel stations across India for transactions between ₹400 to ₹5000

2% reward on travel spends, dining spends, and international spends || 1% benefit on all other card spends

• 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad
• 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases
• 1 reward point = ₹1
• Important exclusions: No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Up to 1.3% additional benefit, through monthly milestone program

• 1000 reward points worth ₹1000, on monthly card spend of ₹75,000
• Note: Following card spends are not eligible for monthly milestone card spend calculation - fuel, cash withdrawals, EMI transactions, rent, utility bills, wallet loads, government & education transactions, insurance.  

Complimentary Taj Epicure membership – at ₹12 lakhs annual card spend

Complimentary access to airport lounges in India – 16 per year

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter). You get end-to-end VIP check-in at select airports in India

BOGO (Buy One Get One Free movie ticket up to ₹500) at BookMyShow movies - 4 free tickets per quarter 

• Buy one ticket and get up to ₹500 off on the second ticket, through BookMyShow.
• This offer can be availed 16 times per year, maximum 4 times per quarter.

Complimentary golf – 8 free golf rounds/lessons per year (maximum 2 per quarter)

Low fee (forex markup fee) of 0.99% on international card transactions

Complimentary insurance benefits

• Air accident cover – up to ₹2 crore
• Card liability cover – up to ₹15 lakhs
• Credit shield – up to ₹15 lakhs
• Purchase protection – up to ₹50,000
• Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.
• Device protection plan on mobile phones, and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

Fuel surcharge waiver up to ₹1000 per month

5.3% reward (in Marriott Bonvoy Points) on Marriott hotel spends up to ₹10 lakhs per month 

• Earn 5.3 Marriott Bonvoy Points, on every ₹100 you spend in this category (non-EMI spends)
• You can redeem Marriott Bonvoy points to book a stay at properties participating in Marriott Bonvoy (excluding Homes & Villas by Marriott Bonvoy), Marriott Bonvoy Moments™ experiences, travel and more.

2.6% reward (in Marriott Bonvoy Points) on:

• Travel (excluding Marriott hotels) spends 
• Dining & entertainment spends up to ₹5 lakhs per month
• 2.6 Marriott Bonvoy Points, on every ₹100 spent in these categories (non-EMI spends).

1.3% reward (in Marriott Bonvoy Points) on other spends up to ₹1.50 lakhs per month

• Earn 1.3 Marriott Bonvoy Points, on every ₹100 you spend on all other card purchases
• Exceptions : Marriott Bonvoy Points are not given on the following card spends - fuel, rent, government transactions, EMI transactions, wallet loads, gift/prepaid card loads, voucher purchases, cash advances on card, payment of card balances, card fee & charges.

Milestone benefits based on specified annual card spends

• 1 free night award, at ₹6 lakh yearly card spend
• 1 free night award, at ₹9 lakh yearly card spend
• 1 free night award, at ₹15 lakh yearly card spend
• Each free night award is valid for 12 months, and can be redeemed for a one-night stay (inclusive of room rate and applicable taxes), at hotels participating in Marriott Bonvoy with a redemption level up to 15,000 Marriott Bonvoy Points.

Complimentary domestic airport lounge access – 12 per year

Complimentary international airport lounge access – 12 per year

Complimentary golf rounds across the world - 2 per quarter

Complimentary insurance benefits

• Emergency medical expenses up to US$18,750
• Loss liability cover of up to ₹9 lakh
• Credit shield of up to ₹1 lakh
• Air accident cover of up to US$12,500
• Delay or loss of checked-in baggage cover of up to US$250
• Loss of travel documents cover of up to US$250
• Flight delay cover of up to US$250

Airport lounge access: Unlimited international airport lounge access, 4 domestic airport lounge visits per quarter

4 free movie tickets per month (up to ₹250 each) through BookMyShow

• Maximum 2 free tickets in one booking

16 complimentary golf rounds per calendar year (maximum 4 per quarter)

12 complimentary golf lessons per calendar year

Up to 3.50%+ rewards on card spending (including milestone benefits linked to card spending)

• 1% base reward
• Up to 2.50% additional milestone rewards which are linked to a number of monthly and annual card spending requirements

Lower forex fee of 1.99% on international card transactions

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹4,000