Premium & Super-Premium Credit Cards in India 2025 - Best Options

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% 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

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

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)

▶︎ 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 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% 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

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)

▶︎ 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

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

• 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

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

▶︎ 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)