Best Credit Card for Movie Tickets 2025 - Buy 1 Get 1 Movie Ticket Offers

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

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

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

4.50% reward on online spend, 2.25% on offline 

• Online spends: 18 rewards points worth ₹4.50, per ₹100 spent 
• Offline spends: 9 rewards points worth ₹2.25 per ₹100 spent

Value of reward points: Each point valued at ₹0.25 (flight/hotel bookings), value varies on other redemption options

Monthly Reward Caps & Restrictions

• Overall cap: 1 lakh reward points monthly (reached at ₹5.55 lakh spend, even at maximum 4.50% reward rate)
• Utilities cap: 1,250 reward points monthly at reduced 1.25% rate
• Reduced categories (1.25%): Utilities, insurance, education, media & streaming
• No rewards: Fuel, rent, wallet loads, government, EMI, cash withdrawals, fees

Unlimited international airport lounge access (for both primary and add-on cardholders)

Domestic airport lounge access

• 6 visits per quarter (for both primary and add-on cardholders)
• Requires ₹1 lakh spend in the previous quarter.

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

Bookmyshow 'Buy One Get One Free' Offer: Free movie tickets (up to ₹800 each), valid 3 times per month 

Low forex fee of 1% on international transactions

Fuel surcharge waiver (up to ₹1000 per month), valid only on  fuel transactions between ₹400 and ₹5000 only

Complimentary insurance benefits

• Lost card liability: ₹15 lakh fraud protection
• Credit shield: ₹15 lakh coverage for dependents in case of cardholder death
• Purchase protection: 6-month coverage for mobile/electronic devices bought online (accidental damage)

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

▶︎ 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

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

▶︎ 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)

2.50% cashback on departmental store, grocery, and dining spends

• 10 reward points worth ₹2.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.
• Monthly limit - 10,000 reward points, reached at ₹1 lakh monthly spending

0.50% cashback on all other card spends

• 2 reward points worth ₹0.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
• Important exclusions: No reward points are given on fuel, utilities, rent, wallets, education, jewelry, gaming platforms, government spends

Up to 1.50% additional cashback based on annual card spending (milestone privileges program)

• You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend (0.8% reward)
• You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend (1.25% reward)
• You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend (1.75% reward)
• You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend (1.5% reward)
• Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.

Reward points redemption: 1 reward point = ₹0.25, and can be redeemed for cashback

Complimentary domestic airport lounge access – 8 times per year (maximum 2 times per quarter)

Complimentary international airport lounge access – 6 times per year (maximum 2 visits per quarter)

• The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
• You get complimentary Priority Pass membership worth US$ 99
• You also get 6 free airport lounge visits per year (maximum 2 visits per quarter)

2 free movie tickets (up to ₹250 each) every month through Bookmyshow

• To avail this offer, you need to book at least 2 movie tickets.
• For example, if you book 2 tickets costing ₹250 each, you will get a ₹500 discount and pay only the convenience fee.
• Hence, you can get free movie tickets worth ₹6,000 every year (₹500 per month).

Low fee of 1.99% on international spends 

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

Fraud liability cover: You get a complimentary credit card fraud liability cover of ₹1 lakh.

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

Up to 10% reward (in terms of BookMyShow movie tickets): 2 free movie tickets worth ₹500, at ₹5000 monthly card spend

• Free tickets include not just movie tickets, but stream/ play/ events/ sports/ activities tickets on BookMy Show)
• Tickets need to be redeemed within the next monthly card statement cycle

₹100 discount on any food and beverage items, when you book your movie tickets at BookMyShow - once a month

Fuel surcharge waiver up to ₹100 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

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

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)

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

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 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

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)

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 

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