HDFC Bank Golf Offer 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

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

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