Best shopping cards

3%-5% cashback on Amazon India :
– Amazon Prime members : Earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on spending
– All Others : Earn ₹3 (in Amazon Pay balance) on every ₹100 you spend on Amazon – no monthly limit on spending
– Important exceptions : 2% cashback – on digitally fulfilled categories like Amazon Pay wallet loads, flight bookings, bill payments, recharges, Ebooks , Amazon Pay Gift Cards. No cashback – on fuel spends, jewellery purchases, EMI purchases including purchases which are converted to EMI later, Amazon business transactions.

2% cashback on 100+ Amazon Pay partners : Earn ₹2 (in Amazon Pay balance) on every ₹100 you spend on 100+ Amazon Pay partner merchants – no monthly limit on spending.  Amazon Partner merchants include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder etc

1 % cashback on all other spends : Earn ₹1 on every ₹100 you spend on all other purchases

1% fuel surcharge waiver : Fuel surcharge waiver at all fuel stations , on all fuel transactions upto ₹4,000

Welcome benefits (limited time offer) through Amazon account –
– Prime members : You get a welcome offer of upto ₹2000 in the form of coupons and cashback upon activation.
– Non-Prime members : You get a welcome offer of upto ₹1,500 in the form of coupons and cashback upon activation, along with 3 months of complimentary Prime membership.

5% cashback on Flipkart : Earn ₹5 on every ₹100 you spend on Flipkart. There is no limit on the spending amount, to earn these rewards.

4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Tata Play || Cult Fit : Earn ₹4 on every ₹100 you spend on these preferred merchants. There is no limit on the spending amount, to earn these rewards.

1.50% cashback on all other spends

Airport lounge access in India : Complementary domestic airport lounge access – upto 4 times per year

1% fuel surcharge waiver : Fuel surcharge waiver is applicable at all fuel stations on :
– Only on fuel transactions between ₹400 and ₹4,000 only AND
– Only on upto fuel purchases of ₹40,000 per month (since benefit is capped at ₹400 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

5% cashback on preferred merchants – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
You earn ₹5 , on every ₹100 you spend on these 10 specific merchants – only on purchases upto ₹20,000 per month
Exceptions :
– 5% cashback on these select merchants given only for non-EMI spends on these merchants. EMI transactions (at merchant location) & wallet loads at these merchants will be considered under the 1% basic cashback category.
– All gift card/ prepaid card loads & voucher purchase transactions are considered under the 1% basic cashback category.

1% cashback on all other spends : You earn ₹1 , on every ₹100 you spend on all other purchases – only on purchases upto ₹1,00,000 per month
Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI).
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional milestone related benefits : Additional benefits based on achievement of quarterly spend targets
– If you spend ₹1 lakh or more in a calendar quarter, you will receive gift vouchers worth ₹1,000.

Complementary visits to domestic airport lounges in India – 2 times per quarter
– For Mastercard, Visa and Rupay card variants , please click below for details
Airport Lounge Details – Mastercard, Visa & Rupay Cards
– For Diners Club card variants , please click below for details
Airport Lounge Details – Diners Card

1% fuel surcharge waiver : Fuel surcharge waiver at all fuel stations –
– Only on fuel transactions between ₹400 and ₹5,000
– Only on fuel purchases upto ₹25000 per month
– Both conditions above need to be met to avail surcharge waiver

Attractive dining program – in partnership with Swiggy & Dineout
– 20% discount on restaurant bill payments at over 20,000 restaurants – via Swiggy Dineout.
– Valid only for payments made through the Swiggy app, on dining transactions more than ₹1500.

5% cashback on all online spends , 1% cashback on all other spends
– You earn ₹5 , on every ₹100 you spend on online transactions. You earn ₹1 , on every ₹100 you spend on all other purchases.
– Exceptions : No cashback given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5,000 per month.

1% fuel surcharge waiver
– Only on fuel transactions between ₹500 and ₹3,000 AND
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

3.75% special benefit on travel spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (since 1 reward point = ₹0.25)

3.75% special benefit on ‘online shopping’ (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on ‘online shopping’ (since 1 reward point = ₹0.25)

3.75% special benefit on dining spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on dining (since 1 reward point = ₹0.25)

3.75% special benefit on international transactions (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend outside India (since 1 reward point = ₹0.25)

0.75% basic benefit on all other spends : You earn 3 reward points worth ₹0.75 (75 paise), on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25), except the below 2 categories –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1.5 reward points worth 37 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Milestone privileges : Upto 1.50% additional benefit – on achieving 2 spend targets
You earn –
– 10,000 points worth ₹2,500 – at ₹50,000 spend target, within 60 days of card issuance date
– 20,000 points worth ₹5000 – at 5 lakhs yearly spend
Hence  you can earn a total of 30,000 bonus reward points worth ₹7,500, if you reach both the above spend targets on your card

Unlimited complimentary visits to airport lounges in India : You enjoy unlimited domestic lounge access throughout India.

Low foreign exchange conversion fee of 2% – on international spends : You enjoy a reduced forex markup fee of 2% on international transactions, while you earn 3.75% benefit rate on these spends

1 complimentary movie ticket per month – at Paytm Movies : You get Buy One Get One Free Movie Offer (BOGO) – at Paytm Movies
– You need to book at least 2 movie tickets , at one time
– 2nd movie ticket is free, upto maximum ₹250 off
– You can enjoy this offer maximum 1 time per month
Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

Complimentary 6-month FitPass Pro membership : You get a 6-month FitPass Pro membership worth ₹15,000.

Complimentary golf rounds & golf lessons :
Cardholders who have Mastercard version of card-
– 4 free golf rounds per year (not more than 1 free golf round per month)
– 12 free golf lessons per year (not more than 1 free golf lesson per month)

Cardholders who have Visa version of card
– 4 free lessons per year (but not more than 1 free golf lesson per quarter)
– 15% discount on golf rounds

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹5,000 AND
– only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Complementary personal accidental death cover : You get a complimentary ‘personal accidental death cover’ (in the unfortunate event of death during travel) – providing coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel.

3.20% special benefit on apparel & department store purchases : You earn 16 EDGE REWARD Points worth ₹3.20 , on every ₹100 you spend at department stores and on apparel purchases. This accelerated earning rate is given only on purchases upto ₹7,000 per month in this category.

0.32% basic benefit on all other card spends : You earn 1.60 EDGE Reward points worth ₹0.32 (32 paise), on every ₹100 you  spend on all other purchases

Additional milestone benefits – upto 1% : You earn a bonus of 1500 EDGE REWARD Points worth ₹300 , when you spend ₹30,000 or more during your monthly card statement cycle.

Complimentary visits to airport lounges in India – upto 2 times per quarter : You get 2 complimentary lounge visits per quarter. For details, click here and see participating lounges for set A.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹400 and ₹5,000 AND
– Only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle

Upto 30% discount on Swiggy – 2 times per month
– You get 30% discount on Swiggy, upto ₹150 discount per order. To avail this discount, a minimum transaction value of ₹200 is required.
– Hence you shall get a 30% discount , on Swiggy orders between ₹200 and ₹500. On orders above ₹500, your discount% will fall below 30% since the maximum discount is capped at ₹150.
– You can avail the above offer 2 times per month.

Complimentary insurance benefits
– ₹1 lakh purchase protection cover
– US$ 300 coverage for loss of travel documents and check-in baggage delay
– US$ 500 coverage for check-in baggage loss
– ₹1 lakh credit shield cover

3.33% benefit on all spends (except the 2 categories mentioned below) : You earn 3.33 reward points worth ₹3.33, on every ₹100 you spend on your card (since 1 reward point = ₹1)

2% benefit on utilities, supermarkets, insurance, property management, schools & government payments : You earn 2 reward points worth ₹2,, on every ₹100 you spend on your card (since 1 reward point = ₹1)

No reward points on fuel purchases 

1 complimentary golf round per month, AND 1 complimentary golf lesson per month : Program is brought to you through Golflan. All bookings need to be made through Golflan. For list of applicable golf courses and all terms and conditions, please look at the last section of the enclosed document – SCB Golflan Golf Program

Complimentary visits to airport lounges in India – upto 4 times per quarter : This program is brought to you by Visa

Complimentary visits to airport lounges outside India – 1 time per month : You get complimentary Priority Pass membership worth USD 99 per year. You also get 1 free visit per month, if the minimum card spend in the previous month is ₹20,000.

5% cashback on aiirport duty-free spends : You earn 5% cashback on duty-free spends, on duty free spends of upto ₹20,000 per month (since maximum cashback is restricted to ₹1,000 per monthly card statement cycle)

2% foreign transaction fee : You enjoy reduced foreign currency fee of 2%, on the value of all foreign currency transactions

Insurance covers
✓ Air Accident Insurance : The Standard Chartered Ultimate Credit Card provides an accidental air death cover worth ₹1 Crore
✓ Travel Insurance Policy : In case of emergencies during travel, the card offers various kinds of coverage, such as
– Baggage delay: Sum insured of USD100
– Loss of baggage & personal documents: Sum insured of USD 750
– Flight delay: Sum insured of USD 200
– Emergency medical expenses: Sum insured of USD 25,000
For full details & terms & conditions, please refer here.

1% – 3.33% basic benefit rate on all purchases.
â–  3.33% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
â–  1.66% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
â–  1% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.
Note – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions

3% – 10% special benefit rate on
– Flipkart purchases
– rail tickets bookings
(done via HDFC Smartbuy platform)
â–  10% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
â–  5% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
â–  3% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

5% – 16.6% special benefit rate on
– buying instant vouchers
– flights & bus booking
– Apple purchases
(done via HDFC Smartbuy platform)
â–  16.6% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
â–  8.3% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
â–  5% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

10% – 33.33% special benefit rate on
– hotels booking
– purchases on gifting website – IGP.com
(done via HDFC Smartbuy platform)
â–  33.3% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
â–  16.6% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
â–  10% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

Limits & Restrictions on 3X-10X accelerated rewards : You can earn a maximum of 15,000 special reward points per calendar month on the 3X – 10X categories described above.

Unlimited complimentary airport lounge access – both within India and abroad :
– You enjoy unlimited complimentary lounge access at airports within and outside India.
– International lounge access is available at 1,000+ airport lounges using Priority Pass. This benefit is also available for add on cardholders.

Unlimited free golf rounds in India & abroad. And unlimited free coaching lessons in India :
– You enjoy unlimited complimentary golf games at top courses across India , and select courses worldwide.
– Additionally, you enjoy unlimited complimentary golf coaching at chosen golf courses in India.

Hotel & dining with ITC Hotels :
– You can enjoy a 3-night stay at participating ITC hotels, and only pay for two nights.
– Additionally, you get a 1+1 complimentary buffet offer at participating ITC Hotels across India.

Club Marriott Membership for 1 year : You receive a complimentary one-year Club Marriott Membership, granting you exclusive privileges such as:
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at select participating Marriott hotels in India, from Monday to Friday.

Complimentary insurance benefits 
– accidental air death cover worth ₹3 crore
– emergency overseas hospitalisation coverage of up to ₹50 lakhs
– lost card liability cover of up to ₹9 lakhs.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹1,00,000 AND
– on upto ₹1,00,000 fuel spend per month, since the maximum waiver is capped at ₹1000 per monthly card statement cycle

Dining benefits : You get a 15% discount (capped at ₹1000) on all bill payments via Swiggy Dineout at 20,000+ restaurants , and a complimentary Swiggy One Membership Upgrade.

2.50% special benefit – on departmental stores, grocery and dining spends : You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining, departmental stores, and grocery spends. 1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback.

0.50% basic benefit on all other purchases : You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases, except fuel purchases. On fuel purchases, you earn no reward points. 1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback.

Milestone Privileges : Upto 1.50% additional benefit – on achieving 4 yearly spend targets : You earn –
▪︎ 10,000 points worth ₹2,500 – at 3 lakhs yearly spend
▪︎ Additional 10,000 points worth ₹2,500 – at 4 lakhs yearly spend
▪︎ Additional 15,000 points worth ₹3,750 – at 5 lakhs yearly spend
▪︎ Additional 15,000 points worth ₹3,750 – at 8 lakhs yearly spend
(1 reward point = ₹0.25 or 25 paise)
Hence you can earn a total of 50,000 points worth ₹12,500 – at 8 lakhs yearly spend.
(1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback).

Complimentary visits to airport lounges in India – upto 2 times per quarter
– If you have the Visa version of SBI Elite Credit Card, please click here for details
– If you have the Mastercard version of SBI Elite Credit Card, please click here for details
– If you have the American Express version of SBI Elite Credit Card, please click here for details

Complimentary visits to airport lounges outside India – upto 6 times per year
– The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world, and has tie ups with more than 1000 airport lounges worldwide
– You get complimentary Priority Pass Membership worth $99
– You get 6 free airport lounge visits per year, with a maximum of 2 visits per quarter

Low fee of 1.99% – on international spends : You enjoy one of the lowest foreign transaction fee of 1.99%, on the value of all foreign currency transactions

Complimentary Club Vistara SILVER Membership
– You enjoy a complimentary Club Vistara Silver membership (instead of Club Vistara Base membership for new joinees), which comes with exclusive benefits.
– You receive 1 complimentary upgrade voucher
– You earn 9 Club Vistara Points for every ₹100 spent on your Vistara flights
– Priority airport check-in – at premium economy check-in counter
– Increased check-in baggage allowance
– For full list of benefits, please click here – Club Vistara Silver VS Base membership

Complimentary Trident Privilege membership : You enjoy a complimentary Trident Privilege Red Tier membership, along with exclusive perks & benefits
– You enjoy 10% instant savings on bookings made through the hotel website.
– Upon registration, you receive 1000 welcome points as a bonus.
– You get 1500 bonus points on your first stay, and an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent (excluding taxes)

2 complimentary movie tickets per month – at Bookmyshow : You get Buy One Get One Free Movie Offer (BOGO) – at Bookmyshow
– You need to book at least 2 movie tickets , at one time
– 2nd movie ticket is free, upto maximum ₹250 discount
– You can enjoy this offer maximum 2 times per month
– Hence you can get free movie tickets worth ₹6,000 every year (₹500 per month)

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹500 and ₹3,000 AND
– only on upto ₹25000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

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

✔︎ 5% benefit on Tata Neu spends : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.

Additional 5% benefit on Tata Neu spends, as a Neu Pass member :
▪︎ As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.​ For details on the Tata NeuPass, please click here.
▪︎ To see categories & Tata brands on which these additional benefits are available, please click here . Some examples:
– Grocery : BigBasket
– Fashion & accessories : Titan, Tata CLiQ, Westside
– Electronics : Croma
– Travel : Taj group of hotels, Air India, Air Asia
– Food delivery & healthcare : Tata 1 mg, Q Min

Hence you could earn upto 10 NeuCoins worth ₹10, on every ₹100 you spend on Tata Neu – on select categories as shown above.

On below 3 categories, you can earn a maximum benefit of 5% on Tata Neu, even as a Neu Pass member :
Bill payments : Tata Pay
Jewellery : Tanishq
Entertainment : Tata Play
Fitness : Cult Fit

✔︎ 5% special benefit on select Tata brands : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets). This is valid only on non-EMI purchases only. Please click here for the list of partner Tata brands.

✔︎ 1.50% basic benefit on all other purchases : You earn 1.5 NeuCoins worth ₹1.50 , on every ₹100 you spend on all other purchases

✔︎ 1.50% benefit on UPI spends (on Rupay card version) : You earn 1.5 NeuCoins worth ₹1.50 , on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month. For more information on UPI spending on RuPay credit cards, click here.

✔︎ Complimentary visits to airport lounges outside India – 1 time per quarter –
– For the Visa variant of the Card, this program is brought to you by Priority Pass. For list of available lounges, please click here – Priority Pass Lounge Details
– For Rupay variant of the card, please click here for a list of available lounges and other important terms and conditions

✔︎ Complimentary visits to airport lounges in India – upto 2 times per quarter : This is applicable for both Visa and Rupay variants of the Card.  For latest list of lounges and all terms and conditions, please click here- Domestic Lounges for HDFC Tata Neu Infinity Credit Card

✔︎ 1% fuel surcharge waiver : You get a 1% fuel surcharge waiver , at all fuel stations across India – only on fuel transactions between ₹400 and ₹5000, AND on upto ₹50,000 of fuel purchases per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle)

✔︎ Complimentary Insurance Benefits
– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs

10% cashback on Samsung purchases : You earn 10% cashback on Samsonite purchase/s based on below 2 conditions:
✔︎ On maximum Samsung purchase/s of ₹50,000 per month, since maximum discount per month is restricted to ₹5,000 (can be 1 or more than 1 transaction) AND
✔︎ On maximum Samsung purchase/s of ₹2 lakh per year, since maximum discount per year is restricted to ₹20,000 per year
If you meet both the above conditions, you shall get a 10% cashback on your Samsung purchases, otherwise your effective cashback will fall below 10%. Important terms & conditions:
– Offer applicable on online purchases at – Samsung eStore https://www.samsung.com/in/ and Samsung Shop App
– Offer applicable on online purchases at Flipkart
– Offer applicable at physical stores – under ‘Brand EMI’ on Pinelabs terminals and Benow Soft POS machines (on EMI purchases as well)
– Offer applicable at Samsung service centers – on PayU Soft POS machines.

3% special benefit on preferred merchants : Earn 15 reward points worth ₹3 , on every ₹100 you spend at preferred merchants listed below :
– Zomato
– Bigbasket
– Myntra
– Tata 1mg
– Urban Company

3% special benefit on international spends : Earn 15 reward points worth ₹3 , on every ₹100 you spend on international transactions.

1% basic benefit on all other purchases : Earn 5 reward points worth ₹1 , on every ₹100 you spend on all other purchases

Complimentary visits to airport lounges in India – upto 8 times per year : You enjoy free visits to airport lounges in India – upto 8 times per year . For full list of lounges and all terms & conditions, please click here – Axis Samsonite Infinity Airport Lounges , and see ‘Participating Lounges for Set B’

Complimentary visits to airport lounges outside India – upto 6 times per year : You receive a complimentary Priority Pass membership worth $99 , and enjoy free visits to international airport lounges – upto 6 times per year . ​​For details and terms & conditions, please click here –  Priority Pass Membership program

Dining benefits :
– You get a 25% discount up to ₹800 , at over 4,000 restaurants nationwide. Minimum order amount of ₹2,500. Hence you get a 25% discount on orders between ₹2,500 and ₹3,200. This offer can be redeemed twice every month.
– You also get free membership for 1 year, to the EazyDiner Prime program.

Fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India – only on fuel transactions between ₹400 and ₹5,000

8% special benefit on Shoppers Stop Private Label Brands : You earn 13.33 First Citizen Points worth ₹8, on every ₹100 you spend on Shoppers Stop Private label brands (since 1 First Citizen Points = ₹0.60 or 60 paise) – on spends upto ₹15,000 per month (since you can earn a maximum of 2,000 Shoppers Stop First Citizen Points in your monthly card billing cycle)

6% special benefit on all other Shoppers Stop Brands : You earn 10 First Citizen Points worth ₹6, on every ₹100 you spend on all other Shoppers Stop brands (since 1 First Citizen Points = ₹0.60 or 60 paise) – on spends upto ₹20,000 per month (since you can earn a maximum of 2,000 First Citizen Points in your monthly card billing cycle)

2% basic benefit on all other spends : You earn 3.33 First Citizen Points worth ₹2 , on every ₹100 you spend on all other purchases (since 1 First Citizen Points = ₹0.60 or 60 paise). Except no rewards on fuel purchases, wallet loads, Rent & Utilities, Purchase of jewellery/gold coins or equivalents, EMI transactions, Account fees and payment

Complimentary visits to airport lounges in India – upto 4 times per quarter : you can check the list of lounges and all other details by clicking here.

Complimentary visits to airport lounges outside India – upto 2 times per quarter : you get free visits to airport lounges outside India – upto 2 times per quarter

Complimentary insurance covers :
– Accidental Air Death Cover: The Shoppers Stop Black HDFC Bank Credit Card provides an accidental air death cover worth ₹3 crores.
– Emergency Overseas Hospitalisation: In case of emergencies during overseas travel, the card offers coverage for emergency hospitalisation expenses up to ₹50 lakhs.

Fuel surcharge waiver : 1% fuel surcharge waiver at all fuel stations:
– only on fuel spends upto ₹50,000 per month (since the maximum waiver amount is capped at ₹500 per month).