Best Lounge-Access Credit Cards in India 2023

• Counterfeit/lost card liability upto credit limit
• Purchase protection: ₹2 Lakhs
• Loss/Delay in baggage & Personal Documents: 500 USD
• Credit shield: ₹5 Lakhs

Buy one ticket and get up to ₹500 off on the second ticket for a maximum of 5 movie/non-movie bookings in a month.

• 24x7 dedicated Concierge Services on flight bookings, table reservations, gift deliveries and more.
• Avail of special VIP assistance services for a smooth and hassle-free airport transfer.

Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000.
 

Domestic Lounge Access

• Unlimited free access to domestic lounges annually, applicable to both primary and add-on cardholders.

International Lounge Access

• Unlimited free access to international lounges annually with Priority Pass.
• Complimentary 8 international lounge access for guests.
   

• Annual fee waiver on spend of ₹25 lakhs in the preceding year.
• Healthcare packages and a range of privileges with SRL diagnostics, Dr. Lal PathLab and Metropolis.
• Expert medical opinion from a panel of world-class specialists at leading institutions.
• Virtual health assistance including tele-consultation, health coaching, home quarantine programs, personalized oncology care and more.

• Enjoy 8 complimentary end-to-end VIP services at the airport.
• Global Travel and Medical Assistance like legal & medical service referral, emergency evacuation, etc.
• Reduced mark-up fee of 2% on foreign transactions.

Enjoy up to 40% discount at over 4,000 restaurants across India.

Choose any one voucher worth ₹12,500 from below options:

Luxe gift card or The Postcard Hotels gift voucher or Yatra gift voucher

• Earn 12 Axis eDGE Reward Points on spends of every ₹200 up to ₹1.5 lakhs.
• 35 eDGE Reward points per ₹200 on incremental spends above ₹1.50 lakhs.
• 5X Edge Rewards on travel spends via Travel Edge.
• 2 partner miles for every 5 eDGE Reward points across 19 travel partners.

25% savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants), Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.

With the HDFC Bank Diners Club Black Credit Card, you can change your large purchases into smaller monthly payments after you buy them.

Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members. 
For Domestic Lounges, click here.
For International Lounges, click here.

All Diners Black card members can select any two monthly milestone benefits from a choice cult.fit Live 1- month subscription or BookMyShow or TataCLiQ or Ola cabs vouchers worth ₹500 every month provided your net spend ₹80,000 in a calendar month.

Find and book your flights and hotels easily! You can choose from over 150 airlines and various hotels in India and abroad at smartbuy.

• Get 6 free golf games every quarter at over 15 golf courses in India and over 100 golf courses worldwide on Diners Black Credit Card.
  For Domestic Golf Courses details, click here.
  International Golf Courses, click here

• Exclusive discounts at leading spas, salons, gyms and other wellness retreats. Click here to view details.

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card.
Call:1800118887 / Landline - 022 42320226

• Air accident insurance cover worth ₹2 crore
• Emergency overseas hospitalisation: ₹50 Lacs
• Travel Insurance Cover of up to ₹55,000 on baggage delay 
  (Capped to 10$ per hour restricted to 8 hours)                                                                 
• Credit Liability Cover of up to ₹9 Lakh

Up to 50 days of interest-free credit period on your HDFC Bank Diners Club Black Credit Card from the date of purchase.

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max CashBack of ₹1000 per statement cycle)

• Earn 5 Reward Points for every ₹150/- retail spent.
• Upto 10X Reward Points on spends via SmartBuy.
• 2X Reward Points on weekend dining.

Free annual memberships of Forbes Digital Subscription, Club Marriott, Swiggy One (3 months), MakeMyTrip Black Elite Tier and Amazon Prime on payment of the joining fee or by spending ₹1.5 lakhs within the first 90 days.

5 Free Premium Economy Ticket Vouchers every anniversary year on crossing spend milestones of:

• ₹1,50,000- 1st  Ticket Voucher
• ₹3,00,000- 2nd Ticket Voucher
• ₹4,50,000- 3rd Ticket Voucher
• ₹9,00,000- 4th Ticket Voucher
• ₹12,00,000- 5th Ticket Voucher

• CFAR Trip Cancellation Cover – With the Cancel For Any Reason trip cancellation cover, you can get a refund of up to ₹10,000 on cancelling your flight and hotel bookings made with the card, on 2 cancellations per year.
• Air accident insurance cover – ₹1 Crore
• Personal Accident cover –₹10 Lakhs
• Lost card liability cover – ₹50,000
• Cover for check-in baggage loss, delay of check-in baggage, flight delay, loss of travel documents – USD 1200

• 6 CV Points on spends up to ₹1 Lakh in each statement cycle
• 4 CV Points on spends above ₹1 Lakh in each statement cycle
• 10 CV Points on all dining spends on your Birthday
• 1 CV Point on every spend done on Fuel, Insurance, Utility, Rent & Wallet Load
• Each CV Point is earned on a spend of ₹200
• CV Points are not applicable on EMI Transactions & Cash Withdrawal

• Recurring benefits on Annual fee payment
  • Get 1 free Premium Economy Ticket Voucher
  • Continued access to Club Vistara Silver Membership
• Enjoy 12 free golf lessons and 4 free rounds of golf every year

• Get 1 Free Premium Economy Ticket Voucher.
• Buy a premium economy ticket and travel business class with a One Class Upgrade Voucher.
• Get direct entry to Club Vistara Silver Membership.
• Enjoy EazyDiner Prime membership: Free for 3 months.
• Enjoy BQ Prime subscription: Free for 3 months.
• Get 2000 CV Points in the first 3 billing cycles on minimum spend of ₹30000 per month.

₹10,000 coverage on cancellations of flight and hotel bookings (up to 2 claims a year).

• 12 free visits to domestic airport lounges and spas per year.
• 1 free visit to international airport lounge per quarter.
• Lounge visits activated on minimum monthly spends of  ₹5000.
• List of domestic airport lounges & Spas
• List of international airport lounges

Interest-free cash withdrawals across ATMs globally (up to 48 days)

• Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.
• Benefit also available for add on Priority Pass holders.

Up to 50 days of interest free period on your HDFC Bank Infinia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)

• Book stay for 3-nights and pay for two at participating ITC hotels. 
• 1+1 complimentary buffet at participating ITC hotels.

• Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay.
• 12,500 reward points upon fee realisation and card activation.

You can redeem your Reward Points on Smartbuy or Netbanking.

Reward Points can be redeemed for:

• Flight and Hotel Bookings via Smartbuy at a value of 1 RP = ₹ 1.
• Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = ₹ 1.
• Airmiles conversion through netbanking at a value of 1RP = 1 airmile.
• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto ₹ 0.50.
• Cashback at a value of 1 RP = ₹ 0.30.

• Accidental Air Death cover worth ₹3 Crore.
• Emergency overseas hospitalization up to ₹50 lakhs in case of emergency.
• Credit Shield Cover for upto 9 lakhs.

• The HDFC Bank Infinia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
• Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year.
• Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India.

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹1,00,000.

• Domestic Lounge Access
  • For Rupay and Visa varient. - 8 Free Domestic Lounge Access per calendar year (2 in a quarter). ₹2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access.
• International Lounge Access
  • VISA Card - Using Priority Pass, you and your add-on member can together avail up to 4 free Lounge Access per calendar year (1 per Quarter), outside India.

  • RuPay Card- 4 Free Lounge Access per calendar year (1 per Quarter) outside India.

• Accidental air death cover worth ₹1 Crore
• Emergency overseas hospitalization: up to ₹15 lakhs
• Lost Card Liability Cover: Up to ₹9 lakhs

In the unfortunate event of losing your Tata Neu Infinity HDFC Bank Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.

• 5% back as NeuCoins on Non-EMI Retail Spends on partner Tata Brands.
• 1.5% back as NeuCoins- Non-EMI Retail Spends on Non-Tata Brands.
• 1.5% back as NeuCoins- Merchant EMI Spends (Any Brand)
• Any UPI Spends on Rupay Credit Card- 1.5% back as NeuCoins (max of 500 NeuCoins per calendar month)

1% fuel surcharge waiver at all fuel stations across India. (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle)

Welcome bonus of 1499 Neu Coins, applicable on 1st transaction done within 30 days of card issuance.

1% fuel surcharge waiver for transactions worth ₹400 to ₹4,000 (maximum waiver of ₹400 in a month).

• 5% cashback on Flipkart.
• 4% cashback on PVR, Uber, Swiggy, Cleartrip, cure.fit, Tata Play.
• 1.5% cashback on Myntra and all other categories.
• The cashback is credited to the credit card statement directly.

4 complimentary domestic lounge visits every year.

All major purchases above ₹2500 can be converted into EMI after the purchase at a low rate of interest.

• 5% cashback on Flipkart.
• 4% cashback on Preferred Merchants.

Up to 15% discount at 10,000+ partner restaurants.

• ₹500 Flipkart voucher on first transaction.
• 15% cashback upto ₹500 on Myntra.
• 50% instant discount up to ₹100 on Swiggy.

• Counterfeit/lost card liability upto credit limit.
• Purchase protection: ₹2 Lakhs.
• Loss/Delay in baggage & Personal Documents: 500 USD.
• Credit shield: ₹5 Lakhs.

• Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000 (Capped at ₹400 per month).

50,000 Edge Reward Points on card activation and when the card membership is renewed every year.

• 15 edge reward points for every ₹200 spent.
• 2X rewards on international spends.

Complimentary EazyDiner Prime membership.Savings of upto 25% across premium restaurants.

Note: Benefit is provided only to primary cardholders of Axis Bank Reserve credit card, and the customer has to activate the membership within 6 months of receiving the code.

• Unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests.
• Unlimited complimentary domestic lounge visits for both the primary and add-on cardholders. 

• 8 complimentary VIP Assistance Services for a smooth and hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services.
• 4 complimentary luxury airport pick-ups/drops every year.

Note:
• Benefit is capped to 4 complimentary airport transfers per primary cardholder.
• Bookings should be made at least 48 hours before the service time.
• Valid for domestic and international departures/arrivals.

• Buy 1 movie ticket and get upto ₹500 off on the second ticket for a maximum of 5 times a month.
• Buy 1 non-movie ticket and get upto ₹1000 off on the second ticket for a maximum of 5 times a month.
• 50 Complimentary golf rounds every year across the best golf courses in India.

Club ITC Culinaire Membership

• Complimentary third-night stay.
• 50% savings on published room tariff for suites on weekends.
• 25% Green Points on Food & Beverage spends.
• Bouquet of 10 certificates and more.

Accor plus membership

• 1 night complimentary stay across Asia Pacific region.
• Complimentary room upgrade.
• Upto 50% off on dining.
• Complimentary lunch buffet for 2 across Accor hotels in India.

Handcrafted Club Marriott Asia Pacific membership

• 20% off on food and beverage.
• 20% off on the best available rates at participating Marriott hotels in India and on Weekend rates in Asia Pacific.

Exclusive offers at Oberoi hotels and resorts

• 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites.

15% savings at Postcard hotels

• 15% off on best available room rate.
• Anytime check in and check out.
• A complimentary lifestyle consultation (applicable at our hotels in Goa).

A dining proposition that provides 25% off up to ₹800 on dining restaurants via EazyDiner.
Valid on minimum order value of ₹2000 and twice per month per card.

5000 EDGE Miles on doing first transaction withing 30 days.

• 5 EDGE Miles per ₹100 spent..
• 2 EDGE Miles on Other Spends per ₹100 spent.
• Airport Concierge Services like check-in, security check, and immigration processes, and porter services.
• 2 free Airport Pickup Services.

Free 8 Domestic and 4 International lounge access for primary card holders and accompanying guests. 
List of lounges

Convert transactions of ₹2,500 or more into easy EMI.

• Enjoy the 24/7 Concierge Services to self-book dining, staycation, flights and activities.
• Whatsapp at this number  (+91)(0) 0008 00050 4254 Or visit https://www.concierge-asia.visa.com.

• Exclusive discounts on airport immigration service at over 450 destinations worldwide.
• Discounts on limousine services for airport transfers in more than 3000 cities globally.
• Access to 900+ luxury hotels around the world with premium benefits.
• Roadside assistance worth ₹1,399 all over India up to 4 times annually.

• Low Forex Markup charges at 1.5% on all International transactions.
• Monthly 2 complimentary Golf rounds on a monthly statement of ₹20,000 or more.
• 15% discount at 3000+ health & wellness centres.
• Buy 1 get 1 offer on movie tickets up to ₹500.
  
  Note: The movie offer is valid only on the Paytm app twice a month.

• 10X reward points on all spends above ₹30,000.
• 10X reward points on all spends done on your birthday.
• For all online spends, earn 6X reward points.
• For all offline spends, earn 3X reward points.
• Earn 1X reward point for every ₹100 spent.

• 4 free access to the Domestic & International airport lounges every quarter.
• 4 free access to spas and railway lounges every quarter.

• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
• 5% cashback up to ₹1,000 on the first EMI transaction done within 30 days of card issuance.

• Dining discount of up to 20% at over 1500 restaurants.

• Air accident cover of ₹1 crore.
• Personal accident covers of ₹10 lakhs. 
• Lost card liability covers of ₹50,000.
• Comprehensive Travel Insurance of $1,200.
• Note: Travel insurance is valid if there is at least one transaction in the last 30 days via card.

1% fuel surcharge waiver at all fuel stations across India up to ₹400/month.

• Seamless upgrade to Elite Tier Memberships.
• Exclusive invitations to VIP events.
• Access to presale tickets for events like Fashion Week, Grammy, Wimbledon etc.

• 25% off at Taj, SeleQtions and Vivanta Hotels.
• Exclusive deals on the world’s finest airlines like Emirates, Qatar Airways, and British Airways.
• Benefits worth ₹37,000 like complimentary room upgrades and late checkouts at the 5 Star hotels.

Note: Hotels and resorts worldwide including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton and more.

Access to over 1,300 premium airport lounges globally.

• Coverage of ₹5 Crore for death due to air accidents.
• Coverage of ₹50,000 in case of loss of baggage, documents or passport.
• Complimentary medical insurance for US$ 50,000 for the first 7 days of the trip.
• Protection against loss/damage of tangible goods within the first 90 days caused by fire, burglary or natural calamities.
• Fraud protection worth ₹15 lakhs in case of theft, fraud or an emergency.
• Emergency hotels and travel assistance up to ₹2 lakhs and emergency cash in India.

• Up to 50% off at over 1800 premium restaurants in India.
• Free membership of EazyDiner Prime.
• Complimentary drinks, preferential reservations & 24X7 VIP helpline.

Stay vouchers worth ₹45,000 from Taj, SeleQtions and Vivanta Hotels.

Note: Benefits available on payment of annual fee and spending ₹50,000 in the first 2 months of Card membership.

Enjoy 24X7 Concierge services that assist users with travel reservations and other plans.

• Earn 4 Reward Points on every Rs.150  retail* spends including Insurance, Utilities and Education​
• Earn 10,000 Reward Points on annual spends of Rs. 5 lakhs.
• Earn additional 5,000 Reward Points on annual spends of Rs. 8 lakhs.

Convenience fee waiver of 1% on all fuel transactions. The waiver on the convenience fee is applicable only for fuel transactions between Rs 400 to Rs 5,000. (Maximum waiver of INR
500 per statement cycle).

• Earn Bonus of 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
• Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year.

If the missing card is reported to the bank promptly, the cardholder is not responsible for fraudulent purchases.

HDFC Bank Regalia Credit Card comes with an option to convert your big spends into EMI after purchase. 

• Every year, the user will get six free rounds of golf. 3 more golf rounds with the Axis Bank Select Credit Card on minimum yearly spending of ₹3,00,000.
• 20% off on a bill of ₹2000 of BigBasket (website and app) with maximum discount of ₹500 per month
• 40% off on minimum purchase of ₹400 (valid twice a month) on Swiggy (website and app), with maximum discount upto ₹200

• 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
• Note: Visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge.
• Priority Pass for self and add on members once you complete minimum 4 retail transactions on your HDFC Bank Regalia Credit Card. Click here to apply.
• Using Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 
• If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit 

• Accidental air death cover worth Rs. 1 Crore.
• Emergency overseas hospitalization: up to Rs. 15 lakhs.
• Lost Card Liability Cover: Upto Rs 9 lakhs.

• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
• 5% cash back on the first EMI transaction within 90 days of card issuance.

• Exclusive 24/7 Concierge Services to book flights, dining and other activities.
• Phone No: 1860 258 2000 (India) 
• Email ID: creditcard@idfcfirstbank.com

• ₹2 lakh insurance policy in the event of the cardholder's accidental demise.
• Coverage of ₹25,000 is offered for missing cards. 

Free 16 Railway lounge visits annually (4 per quarter).

1% fuel surcharge waiver at all fuel stations across India up to ₹200/month.

Note: Applicable only on transaction values between ₹200 & ₹5000.

• Up to 4 times yearly, users receive free roadside assistance worth ₹1,399.
• Up to 15% off is available at more than 3000 Health & Wellness locations.

10x reward points on all spending above ₹20,000.
6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month.

Note: Reward Points are not awarded for transactions like fuel purchases, EMI transactions, loan payments, and cash withdrawals.

Get up to 20% off on meals at one of more than 1,500 restaurants.

 The cardholders have 24x7 concierge services on offer to take care of your needs related to travel, hotel reservations, and delivery of movie tickets at your doorstep. 

 1% waiver on fuel surcharge

Note: Valid on a maximum expenditure of Rs. 4,000 per transaction at all HPCL pumps.

A discount of 25%, on a minimum purchase of two movie tickets per transaction on www.bookmyshow.com. 

Note- The offer is available twice a month.

 20% discount (up to Rs.750) on a minimum bill value of Rs 3000 at EazyDiner.

1 complimentary access to domestic airport lounges per quarter by spending a minimum of Rs. 5,000 or above on the card in the previous calendar quarter.

The card offers air accident insurance of up to Rs. 3 crores. 

• Buy One Get One Free on movie tickets
  • Get 100% discount on the second movie ticket at Paytm Movies with your MY ZONE Credit Card
  • Maximum discount in a calendar month per customer is limited to ₹200.
  • Use coupon code AXIS200 to avail the benefit
  • No reward points are earned on movie transactions
• SonyLiv Membership worth ₹999 on first spend within first 30 days of issuance.

• 1% fuel surcharge waiver for fuel transactions made at any fuel station in India.
• The exemption applies to card purchases between ₹400 and ₹4,000. The maximum fee waiver for each billing cycle is ₹400.

4 EDGE reward points on every ₹ 200 spent.

Convert your transactions of ₹2,500 and above into EMIs

One Complimentary lounge access per quarter within India.

• 40% off on food delivery on Swiggy with a cap of ₹120 per order at a minimum spend of ₹200, applicable 4 times a month.
• Shopping perks for Mastercard card holders.

• Dining Delights with Eazy Diner
  • 15% off up to ₹500
  • Minimum Order Value ₹1500
  • Valid twice per card per month

₹1000 off at AJIO on a minimum spend of ₹2999, using coupon code AJIOAXISMZ.

• Earn 2 Travel Points for every ₹100 spent on all your purchases.
• Earn 5 Travel Points for every ₹100 spent on Travel spends.
• No Reward Points on International purchases.

Fuel surcharge waiver of ₹250 per month across all fuel stations.

Note: Valid on transactions between ₹500 and ₹4,000.

Make My Trip Voucher worth ₹3,000.

Gift cards worth ₹10,000 from brands like Taj, Amazon, Croma, etc. on a spend of ₹7.5 lahks in a year.

• 10,000 bonus Travel Points on spends of ₹2.5 lakhs in a year.
• Additional 15,000 Travel Points on spends of ₹5 lakhs in a year.

• 2 Complimentary access every quarter to domestic airport lounges in India.
• 2 free visits to international airport lounges by using the priority pass.
• Additional free visit via Priority pass on spend of ₹50,000 or more in a calendar quarter. 

Complimentary golf rounds at selected golf courses in India.

• 24X7 concierge service that assists with reservation of hotels, dining, golf courses etc.
• To Avail of the services, call customer care at 022 6232 7777 

Complimentary travel insurance that covers:

• Travel Insurance covers: 
• Personal Liability coverage
• Trip Delay
• Baggage Loss 
• Loss of Passport 
• Dental Treatment

8 free visits to domestic lounges each year (2 in a quarter).

• Note- 
  • For Mastercard Cards, Rs.25 will be charged and immediately made void at the terminal for verification.
  • For Visa/Diners Cards, Rs.2 will be charged to the card account as a transaction for verification

1% fuel surcharge waiver across all fuel stations in India.(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

1000 Cash Points (applicable only on payment of membership fee).

This card allows the user to convert big spends to EMIs after purchases with a flexible tenure option.

Up to 50 days of interest-free period on your HDFC Bank Millennia Credit Card from the date of purchase.

At a small charge of 3.6% a month, HDFC Bank Millenia Credit Card provides its customers with a revolving credit benefit.

Upto 20% discount on partner restaurants via Dineout.
 

In the event of a loss of this card, if informed immediately to the HDFC Bank call centre, any fraudulent transactions made on the card will not be held liable to the card owner.

• 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
• 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions.

5% cashback on flights and hotel reservations made with the card. The maximum cashback monthly is ₹1,000 for the first six months and ₹750 after that.

Access to 1,000 airport lounges all over the world.

• Reduced foreign currency markup fee of 2% on all foreign currency transactions.

• 5% cashback on spends done duty-free. Note: Max cashback of ₹1,000 in one month.

• Complimentary access to premium golf courses in India.

• Free add-on credit card with all the same benefits as on the primary credit card.

• Facility of availing a loan of up to ₹5 lakhs against the credit card.

• Option of transferring the card balance up to ₹5 lakhs from other credit cards.

• Ease of converting transactions of ₹5,000 and above into smaller EMIs.

• 6,000 welcome points worth ₹6,000 on payment of the joining fee.

• 5 reward points on every ₹150 spent on all categories.

Note: Some categories which are not eligible for reward points are fuel, utilities and supermarkets.

• Air Accident Insurance of ₹1 Crore in case of accidents.

• Medical Insurance covers worth US $25,000.

• Users liability is Nil if the fraud is reported within 3 days.
• Max. liability of ₹1,000 if the fraud is reported beyond 3 days.

E-Gift Card worth ₹10,000 from Taj, Vivanta and SeleQtions Hotels.

2 Complimentary airport lounges per quarter across India.

• Additional Flipkart voucher or ATO benefits worth ₹4,500  on spending  ₹1.90  lakhs.
• Additional Flipkart voucher or ATO benefits worth ₹7,000  on spending  ₹4 lakhs.

Note: ATO benefits mean Amex Travel Online benefits which are applicable on spending done in a card membership year.

10,000 membership points redeemable for Flipkart Voucher or Amex Travel.

Note: Applicable on spending ₹15,000 within 90 days of Card membership.

Flexibility of converting transactions of ₹5,000 or above into easy EMIs.

Up to 20% off at partner restaurants.

• Complimentary membership to Priority pass.
• 24x7 Card Related Assistance.
• Emergency Card Replacement.

Missing- EMI Benefit offered by the card.

• 0% fee on fuel transactions of up to ₹5,000 at HPCL outlets.
• 1% fee on fuel transactions of more than ₹5,000 at HPCL outlets.

2 Complimentary lounge access per quarter at selected airports in selected Indian cities.

Insurance cover of up to ₹1 lakh for loss of travel documents, and delay or loss of check-in baggage.

4 Club Vistara Points for every ₹200 spent.

25% discount of up to ₹800 at partner restaurants across India.

3000 Bonus Club Vistara points on spending ₹75000 within 90 days from card issuance.

Get up to 4 complimentary Premium Economy tickets in a year as milestone benefit.

The user can contact the bank to convert a big credit purchase into EMIs on any transaction over ₹2,500.

A complimentary premium economy class ticket voucher after paying the joining fee. 

Note: This is a one-way base fare waived ticker voucher.

• 3 complimentary rounds of golf at some of the destinations across India.
• Complimentary Club Vistara Silver Membership.
• Benefits include priority check-in and additional baggage allowance on fee payment. 

Note: The card will be issued within 10 working days of paying the joining/annual payment.

5000 Bonus Reward Points on paying annual/renewal membership fees from 2nd year onwards.

• 1000 Reward Points on a minimum retail spend of ₹75,000 per statement cycle.
• Free Taj Epicure Membership on minimum spends of ₹12 Lakh in a card anniversary year.

1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country. (Maximum of ₹1000 per statement cycle)

• International Lounge Access
  • Free 16 International Airport Lounges access using Priority Pass. List of Lounges
• Domestic Airport Lounge Access
  • 16 domestic lounge access per annum, max 4 quarter, with the credit card. Check out this link to view the list of eligible lounges.

Get airport VIP check-in with 4 free services per annum (max 1 per calendar quarter).

• 2 Reward Points for every ₹100 spent on travel, dining, and international spends.
• Earn 1 Reward Point per ₹100 on retail spends across all merchant categories.

Choose from a range of Luxury brand vouchers or Reward Points worth ₹5,000 on card activation.

• 16 free buy-one-get-one movie/event tickets from BookMyShow. (Up to 4 BOGO tickets every calendar quarter with discounts of up to ₹500 per ticket.)
• 8 free golf games and lessons annually. (Up to 2 free golf rounds/lessons per calendar quarter)

• 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.

Customize your travel, entertainment, and leisure experiences with their Global Concierge Assistance.

Complimentary Priority Pass Membership for Premium Banking Customers.

1 Reward Point for every ₹150 spent on all expenses.

• 5% cashback up to ₹100 per month on paying utility bills.
• 5% cashback up to ₹200 per month on paying for phone bills.

Note: Cashback can be avail on transactions of ₹ 750 or above. Maximum cashback of ₹ 100 per transaction.

Convert all your transactions over ₹2,000 into simple EMIs.

5% cashback up to ₹ 200 per month on fuel transactions of ₹ 2,000 or below.

Note: Maximum cashback of ₹ 100 per transaction on all the fuel stations. 

• 1 Complimentary visit to domestic airport lounges per quarter.

• Annually, 2 Complimentary access to International airport lounges.

2x reward points for every ₹100 spent on all other category of retail spends (2 reward point = ₹0.50).

Ease of converting transactions of ₹2,000 and above into EMIs of up to 60 months.

• 10X reward points on every ₹100 spent for booking tickets at a hotel and airline.

• 10% instant discount on domestic & international flight bookings  

• 20% instant discount domestic & international hotel bookings.

• ₹125 off on bus ticket bookings (On minimum ticket booking of ₹ 500)

Note: All these offers are applicable on the bookings done via Ease My Trip

• 2 free domestic lounge visits (max 2 per quarter).
• 12 international lounge access per year with a Priority Pass membership.

Note- Priority Pass will renew on spending ₹3 Lakhs in preceding card anniversary year.

Buy one movie ticket and receive up to ₹300 off on the second on BookMyShow. Save up to 20% on eating expenses.

• 10 Axis Edge Reward points on every ₹ 200 spend.
• Earn 2X Reward points per ₹ 200 on Retail Shopping spends.

• Every year, the user will get 6 free rounds of golf. 3 more golf rounds with the Axis Bank Select Credit Card on minimum yearly spending of ₹3,00,000.
• 20% off on a bill of ₹2000 of BigBasket (website and app) with maximum discount of ₹500 per month, applicable once per month.
• 40% off on minimum purchase of ₹400 (valid twice a month) on Swiggy (website and app), with maximum discount upto ₹200.

• Purchase protection up to ₹ 1 Lakh.
• Cumulative cover upto USD 500 for the following:
  • Loss of travel documents
  • Delay of Check-in baggage
  • Loss of check-in baggage cover

Amazon voucher worth ₹2,000 if the user makes the first purchase within 90 days of receiving the card.

• Get 1% fuel surcharge refund on fuel purchases at all fuel stations across India.
• Valid on transactions between ₹ 400 and ₹ 4,000 only; Maximum benefits up to ₹ 400 per statement cycle.

Note- Service tax charged on fuel surcharge is non-refundable, and no reward points are earned on fuel transactions.

If the missing card is reported to the bank promptly, the cardholder is not responsible for fraudulent purchases.

• 24×7 Dedicated Concierge Desk.
• Enjoy complimentary services for assistance on flight bookings, table reservations, exclusive events/shows, gift deliveries and more.
• Contact the concierge at 1800 103 4962

Get up to 20% savings on all your restaurant bill payments via Swiggy Dineout.

• Accidental air death cover worth ₹1 Crore
• Emergency overseas hospitalization: up to ₹15 lakhs
• Credit Liability cover: Up to ₹9 Lakhs  

• Gift Voucher equivalent to Fee Amount  = ₹2,500
• Free Club Vistara Silver Tier and MMT Black Elite Membership when you spend ₹1 Lakh and above within 90 days of card issuance. 

12 free lounge access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.

If you report the loss of your HDFC Bank Regalia Gold Credit Card to our 24-hour call centre right away, you will not be held responsible for any unauthorised purchases made with your Credit Card.

• ₹1500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend ₹1.5 Lakhs in every calendar quarter.
• ₹5000 worth flight vouchers when you spend ₹5 Lakhs spends in an anniversary year 
• Additional ₹5,000 worth flight vouchers when you spend ₹7.5 Lakhs spends in an anniversary year. 

• Earn 4 Reward Points on every ₹150 retail spends including Insurance, Utilities and Education​
• Earn 20 Reward Points on every ₹150 retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa!

• 5% Cashback on Swiggy, Swiggy Instamart, PVR, Clear Trip and Urban Company.
• 1.25% cashback on other spends.
• Cashback is capped at ₹1000 per month. 

1 free domestic lounge access every quarter. For list of lounges click here.

• Free movie tickets worth ₹250 each on spending ₹50000 every quarter.
• Spend ₹2,00,000 annually and get annual fee waived off.

1% fuel surcharge waiver up to ₹300 per month.

• Instant 7.5% cashback on Myntra capped at ₹750 per transaction.
•   Free Myntra Insider program membership.

• Myntra voucher worth ₹500 on card activation.
• Additional ₹500 voucher on first transaction of ₹500 or more.

Under the Milestone Rewards Program, you get upto 15,000 PAYBACK points per year:

• 3,000 PAYBACK Points on spending Rs.3 lakh on your cards and 
• 1,500 PAYBACK Points on spending Rs.1 lakh in an anniversary year

24x7 concierge service to take care of users’ needs related to travel, hotel, booking cars and delivering movie tickets to the doorstep.

The services include:

• Hotel referral & reservation

• Restaurant referral & reservation

• Flight referral & reservation

• Car rental & limousine service

• Flower & gift assistance

• Booking & delivery of movie tickets

• Medical concierge privileges

• Emergency auto assistance across India

Culinary offers from names like TGI Fridays, Café Coffee Day, Pizza Hut, Mainland China, Vaango, etc.

Golf Benefit

2 complimentary rounds of golf every month at the golf course of the user’s choice.

Note: The benefit is subject to eligible spends on the ICICI Bank Rubyx Credit Card.

- An air accident insurance of ₹1 crore.

- a lost card liability of ₹50,000, including loss up to 2 days prior to reporting the same.

- Gift vouchers worth ₹5000 on payment of the joining fee of the card, including: 

• TataCliQ Voucher worth ₹2000. 

• Two vouchers worth ₹1000 each from EaseMyTrip. 

• Uber Vouchers worth ₹250. 

• Two vouchers worth ₹500 each from Croma. 

25% discount up to ₹150 on purchasing a minimum of 2 movie tickets per transaction on BookMyShow and Inox. 

Note: The offer is available twice a month on BookMyShow and Inox each.

2 complimentary access per quarter to select airport lounges in India, on a Visa variant by spending a minimum of ₹5,000 or above in the previous calendar quarter using the card.

ICICI Bank Rubyx Credit Card lets you earn up to 6 PAYBACK (rewards) points on every Rs 100 spent on:

• Domestic Spends: 2 points
• International Spends: 4 points
• Utilities & Insurance: 1 points

You can redeem your PAYBACK Points from many options available including movie and travel vouchers to lifestyle products, mobiles, appliances, and more.

1% fuel surcharge waived on fuel transactions at any fuel outlet.

• Quarterly Milestone Benefit
  • 500 Bonus Reward Points on ₹50,000 retail spends done per calendar quarter and get additional 1,000 Bonus Reward Points on reaching ₹1 lakh retail spends per calendar quarter.
  • Earn up to 1,500 Bonus Reward Points in every calendar quarter with ₹1 lakh retail spends.
• Yearly Milestone Benefit
  • Get ₹1,000 worth vouchers on minimum ₹2.50 lakh retail spends done in a card anniversary year.

Customize your travel, entertainment, and leisure experiences with Global Concierge Assistance. Be it booking of your travel or arranging a golf session or planning a perfect anniversary dinner, it is available 24/7.

• Airport Lounges
  • 1 free lounge access per calendar quarter within India, using your VISA Card.
    For eligible list of Domestic Airport lounges, click here.
  • Get Complimentary lounge access within and outside the country at 1,000+ airport lounges.
  • 1 free lounge access per calendar quarter, using Priority Pass at all participating lounges.
• Railway Lounges
  • 2 free lounge access per calendar quarter, using VISA Card at railway stations.
    Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.

Vouchers worth ₹2000 on the minimum retail spend of ₹30,000 within 60 days of card setup.

• In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.
• Also, you are protected against Card Counterfeit/Skimming and Online frauds.

• Earn 2 Reward Points per ₹100 retail spends at any merchant across categories.
• Earn 4 Reward Points per ₹100 retail spends on Grocery & Departmental shops.
• Earn 10 Reward Points per ₹100 retail spens on utility bills.

1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000 across all fuel stations in the country (Maximum ₹250 per statement cycle).

• Air accident Cover- ₹50 Lakhs
• Credit Shield- Up to ₹5 Lakhs
• Purchase Protection -  ₹25000
• Other Travel related covers -In event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.

• 20,000 Reward points on payment of the joining fee.
• Complimentary membership to Air India Frequent Flyer Program.

Complimentary lost card liability cover of ₹1 lakh.

• 8 Complimentary access to domestic airport lounges (max 2 per quarter).
• Access to International Lounges, with a priority member pass.

Note: A usage fee of $27 will be charged on accessing the priority pass member lounge.

1% fuel surcharge waiver across all the petrol stations on transactions between ₹500 and ₹4,000.

Note: Maximum surcharge waiver of ₹250 per statement cycle.

• Users earn 4 Reward Points for every ₹100 spent.
• Up to 1,00,000 bonus reward points annually.
• 5,000 reward points on the card anniversary.

Convenience of getting railway tickets delivered to the doorstep.

Note: Railway tickets booked via the IRCTC website will be eligible for this service.

24x7 Emergency Card Replacement support anywhere in the world.

The flexibility of converting transactions of ₹2,500 or more into easy EMIs.

1 complimentary access to select airport lounges in India every quarter.

Note: Requires spending of a minimum of ₹5,000 or above during the same period.

Up to ₹500 off on the second ticket, twice a month with BookMyShow.

Air accident insurance of up to ₹3 crore. 

Note: Benefits applicable if used at least once in the last 60 days prior to the event.

4 complimentary rounds of golf every month at the golf course based on eligible spends on the card.

Dining offers at TGI Fridays, Café Coffee Day, and Pizza Hut on paying bills using ICICI Bank Cards.

Vouchers worth ₹10,000, to be used within 45 days of payment of joining fees. 

The vouchers include:

1. Yatra Vouchers worth  ₹4,000 (Four vouchers worth ₹1,000 each) 

2. Shoppers Stop Voucher worth ₹3,000 

3. Ola Vouchers worth ₹1,000 (Four vouchers worth ₹250 each) 

4. Croma Voucher worth ₹1,000

5. Vouchers from Specialty Chain of Restaurants worth ₹ 1000

24x7 concierge services related to travel, hotel reservations, and delivery of movie tickets at the doorstep.

1% Fuel Surcharge Waiver on all fuel transactions.

Enjoy the 24/7 Concierge Services on your Marriott Bonvoy HDFC Bank Credit Card. Call on 18003093100 or email at Support@marriotthdfcbank.co.

• Earn 8 Marriott Bonvoy Points per ₹150 spent at hotels participating in Marriott Bonvoy.
• Earn 4 Marriott Bonvoy Points per ₹150 spent on travel, dining & entertainment.
• Earn 2 Marriott Bonvoy Points per ₹150 spent on all other applicable purchases.

2 free golf course access and 2 golf lessons per quarter.

• Delay or loss of checked-in baggage cover of up to $250.
• Loss of travel documents cover of up to $250.
• Flight delay cover of up to $250.
• Air accidental cover of up to $12,500.
• Emergency medical expenses up to $18,750.
• Credit shield of up to ₹100,000.
• Loss liability cover of up to ₹100,000.

12 Free access within and outside India (both at domestic and international terminals) using the Marriott Bonvoy HDFC Bank Credit Card each year.
 

In the unfortunate event that you lose your Marriott Bonvoy HDFC Bank Credit Card, you are not responsible for any fraudulent charges made on your Credit Card as long as you notify our 24-hour call centre right away.

One Free Night Award worth up to 15,000 Marriott Bonvoy points on spending ₹6 lakhs, ₹9 lakhs and ₹15 lakhs respectively.

• One Free Night Award worth up to 15,000 Marriott Bonvoy points to be redeemed for a one-night stay at participating Marriott Bonvoy hotels.
• Marriott Bonvoy Silver Elite status and 10 Elite Night credits to accelerate cardholders' journey with Marriott Bonvoy upon successful sign-up.
   

Receive comprehensive insurance coverage with this card, including:

• Accidental air death coverage of ₹2.5 crores.
• Purchase protection coverage of ₹1 lakh.
• Loss of travel documents coverage of up to US $300.
• Lost/delayed baggage coverage of up to US $500.
• Credit Shield coverage of ₹1 lakh.

Fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000 at all fuel stations in India, with a monthly maximum waiver of ₹400.
Note-  Service tax charged on fuel surcharge is non-refundable. No reward points are earned on fuel transactions.

• 3,000 EDGE Reward Points every year upon card renewal.
• Renewal fee can be waived on spending over ₹2.5 Lakhs in an anniversary year.

Get the best of dining experiences with ₹1000 off & more via Axis Bank Dining Delights Program with EazyDiner.

2 complimentary lounge visits per calendar quarter to select domestic airport lounges.

• 2X rewards boost on EDGE Reward Points.
• EDGE Reward Points can be converted into shopping/travel vouchers worth double their value by spending ₹2.5 lakhs in a year.

• 12,500 EDGE Reward Points upon card issuance, redeemable for multi-brand vouchers worth ₹5,000. ( T&C: Make 3 transactions of minimum ₹200 within the first 60 days to earn these points.)
• Priority banking customers can earn an additional welcome bonus of 6,250 Edge.

1% fuel surcharge waiver on all transactions between ₹400 to ₹5,000.

Interest-Free period of 50 Days.

• 10X or 5X Reward Points on all online domestic & international retail transactions.
• 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions.
• 1 Reward Point = ₹0.25

4 Free Lounge visits per 90 days.

• 5% Cashback 3 times over period of 90 days.
• 5% cashback for travel, dining, grocery, electronics, and apparel expenses in addition to 1 Reward Point per ₹100 spent.
• Additional 2% Cashback 3 times over a 90 days’ period.
• 2% cashback for retail spends in addition to 1 Reward Point per ₹100 spent.

•  In an unfortunate event of loss of Credit Card, you carry zero liability up to ₹1,50,000 or your credit limit, whichever is lower on any fraudulent transactions made with card after reporting the loss to the bank.
• Also, you are protected against Card Counterfeit/Skimming and Online frauds.

Free Fraud Liability cover of ₹1 Lakh.

• 25 reward points on every  ₹100 spent at BPCL fuel, lubricants & Bharat Gas website and application.The maximum number of reward points you can earn per month is 2,500.
• 10 reward points on every  ₹100 spent at groceries, departmental stores, movie tickets and dining. This is a good deal, as you earn 10% cashback on your purchases in these categories. The maximum number of reward points you can earn per month is 7,500.
• 1 reward point for every ₹100 spent on other retail purchases, excluding mobile wallet upload & non-BPCL fuel spends. This is a fair deal, as you earn 1% cashback on your purchases in other categories.

6000 bonus reward points equivalent to ₹1500 on payment of annual fees.

E-Gift Vouchers worth ₹2,000 from Aditya Birla Fashion Or Yatra Or Bata/Hush Puppies on annual spends of ₹3 Lakhs.
Aditya Birla Fashion voucher can be redeemed at these brand stores only - Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter.

• 7.25% value-back, i.e. 25X reward points on fuel purchases at BPCL petrol pumps.
• 1% Fuel surcharge waiver on every BPCL transaction upto ₹4000.

4 free visits per calendar year to domestic VISA lounges in India (maximum one visit allowed per quarter).

Click here for List of Lounges.

No interest on cash withdrawals for up to 50 days.

The annual fee is waived if you spend more than ₹1,00,000 in a year.

Get 5% cashback on a down payment at any Bajaj Finserv partner store.

Convert your purchases of ₹2500 and above into easy EMIs.

• 12 Reward Points on all online spends, except for online purchases made on Education, insurance, Utilities, and Rent Payment.
• 1 Reward Point for every ₹100.

Convert up to your available cash limit into a Personal Loan for 3 months at a 1.16% monthly interest rate and no processing fee.

Get a 1+1 Bookmyshow offer on movie tickets, up to ₹200 once a month on any day.

Fuel surcharge waiver of ₹100 per month. The Surcharge is applicable on minimum fuel transactions of ₹500 and a maximum of ₹4,000.

2 Complimentary lounge access per year, 1 per quarter.

4000 Reward Points on spending  ₹2000 within 30 days of card issuance.

• With this card, earn 1 reward point for every ₹150 spent on weekdays.
• Earn 2 reward points for every spent on the weekend.
• For redemption against AirMiles,100 Reward Points = 100 Airmiles.
• For redemption against Cash Credit, 1 Reward Point = ₹0.75.

• The account will be credited with 4000 bonus points after spending ₹6,00,000 over a year. 
• These bonus points can also be earned through the use of add-on cards.

• Waiver of a 2.5% surcharge at any petrol pump across India. 
• This waiver applies up to the maximum transaction amount on the card account.

• Assistance for hotel/flight bookings pre-trip assistance, flowers and gifts, sports and entertainment booking is available 24x7.
• Phone: 1860 267 7777
• Email: indulge.care@indusind.com

• Enjoy buy one get one offer on movie tickets on BookMyShow and up to 3 free tickets per month. 
• An additional ₹50 off for choosing food and beverage options.
• EazyDiner Prime Membership worth ₹3550/- absolutely complimentary for the first year. 
• Enjoy 1 complimentary golf game and 1 lesson every month at leading cities in India.
• Roadside repair.
• Emergency towing assistance Accident Management & Medical Assistance. 

• Complimentary golf sessions once a month and Private golf lessons available from time to time.

• Complimentary stay: One/two days stay (depending on the hotel) at the Oberoi chain of hotels. Rooms with double occupancy, breakfast for two, inclusive of taxes.
• Luxe Gift Card: Worth ₹5,000.
• Vouchers for luxury shopping: Gift Voucher from Montblanc India retail boutiques.
• Vouchers for e-shopping: Vouchers from Vouchagram, facilitating purchase from e-merchants like Amazon, Big Bazaar, Flipkart, Apollo Pharmacy, etc.
• Vouchers for shopping: Vouchagram vouchers for conventional retail purchase from companies like Bata, ALDO, Vero Moda, etc.

• Enjoy 2 complimentary domestic lounge visits quarterly.
• A complimentary Priority Pass membership with access to over 600 lounges worldwide.

• Complimentary personal air accidental cover worth ₹25 Lakhs.
• Insurance coverage for lost baggage, delayed baggage, passport loss, and ticket loss.

Airport Lounges

• 4 free lounge access per calendar quarter within India, using your VISA Card.
• Get free lounge access within and outside the country at 1,000+ airport lounges.
• 2 free lounge access per calendar quarter, using Priority Pass at all participating lounges.

Railway Lounges

• 2 free lounge access per calendar quarter, using VISA Card at railway stations.
• Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.

Dedicated Concierge Services 24/7. Call- 1800 210 0298 (toll-free) or 022-42320298.

Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday.

• Vouchers worth ₹1000 on 1st POS retail transaction.
• 10,000 Bonus Reward Points on completing retail spends worth ₹1 Lakh.

All above benefits are applicable on retail spends done within 60 days of card set up.

• Air Accident Cover: ₹2 crore.
• Credit Shield: Up to ₹15 lakh.
• Purchase Protection: Up to ₹50,000.

• 20 Reward Points per ₹100 retail spends done on Dining at standalone restaurants.
• 10 Reward Points per ₹100 retail spends done on International transactions, Grocery and Departmental stores.
• 5 Reward Points per ₹100 retail spends done across all other merchant categories.
• 1 Reward Point is equal to ₹0.25.

Interest-free period up to 48 Days (Not applicable for cash withdrawal).

• Get free Epicure membership when you spend ₹8 lakhs or more during your credit card's anniversary year.
• Get vouchers worth ₹1,000 (from partner brands) when you spend a minimum of ₹2 lakh in one calendar quarter.
• First-year fee is waived off when ₹1.25 lakh is spent within first 90 days.
• Waiver of second-year fee on ₹5 lakh spends in the previous year.

1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum ₹1,000 per statement cycle).

Complimentary 1 Economy class ticket on payment of an annual fee.

• Complimentary priority pass membership worth US $99.
• Ease of converting transactions above ₹ 2,500 into easy EMIs.

4 Complimentary access to domestic airport lounges (max 1 per quarter).

• Air Accidental cover up to ₹50 lakhs.
• Lost Card Liability cover of up to ₹1 lakh.
• Insurance cover up to 4 cancellations per year, each limited to ₹ 3,500.

• Earn 1,000 CV points on spending ₹50,000 within 90 days of card issuance.
• Get 1 Economy class ticket each on annual spends of ₹1.25 lakhs, ₹2.5 lakhs & ₹5 lakhs.
• Hotel voucher worth ₹5,000 on annual spends of ₹5 lakhs.

Users earn 3 CV Points per ₹ 200 spent on all the spends.

• 2 Complimentary visits every quarter to “Dream Folks Lounges” in India.

• Railway Surcharge Waiver on all the transactions done on IRCTC Website.

Note: Maximum waiver allowed in an anniversary year is ₹500.

• 10,000 Reward points on spend of ₹4 Lakhs.

• 30,000 Reward points on spend of ₹8 Lakhs.

• Fuel Surcharge Waiver on all transactions between ₹500 and ₹3,000.

Note: Maximum waiver allowed in an anniversary year is ₹3,500.

• Complimentary cheque pickup services.

• To avail, SMS "KASSIST" to 5676788 and get a call back within 2 hours

• 4X reward points for every ₹150 billed to the card for special categories like dining, travel, air tickets, and international spends.
• On all other categories, 2X rewards are offered.

Redeem miles points for flight bookings, transfer them to partner airlines and hotels, or double rewards as a member of an airline's frequent flyer program.

• Personal accident insurance cover worth ₹1 crore and a lost card liability cover worth ₹10 lakhs. 
• The insurance applies only in case of loss of life due to an air accident, and only the primary cardholder is covered.

• Savor the finest flavors with up to 20% off on dining bills at select partner restaurants.

• Receive 10,000 miles as a welcome benefit, if you spend Rs.1,000 or more on your Citi PremierMiles Card within 60 days of card issuance. This offer is not applicable if the card is closed due to inactivity within 30 days of card issuance.

• Get 3,000 miles every time membership is renewed.

• Personal concierge services with the Citi PremierMiles Card - plan parties, send gifts, make reservations, and more with ease.
• Phone:1800-114-999
• Email: head.customercare@citi.com. 

8 complimentary lounge access visits per quarter (Visa Signature variant) or 6 visits per quarter (Mastercard variant).

Enjoy a 1% charge reversal for transactions at authorized Indian Oil fuel stations.

• 8 complimentary lounge access visits per quarter (Visa Signature variant) or 6 visits per quarter (Mastercard variant). 
• Redeem miles points for flight bookings, transfer them to partner airlines and hotels,
• Or double rewards as a member of an airline's frequent flyer program.

8,000 Reward Points on card activation.

2 Complimentary access every quarter to domestic airport lounges in India.

• Earn 10,000 points on purchases of ₹2.5 lakhs or more in a year.
• Additional 10,000 points on crossing ₹4 lakhs of annual spends.

1 Complimentary movie ticket every month up to ₹100 at BookMyShow.

• Earn 2 Reward Points for every ₹100 spent on all your purchases.
• Earn 10 Reward Points for every ₹100 when you use your card for dining, entertainment, utility bill payments and international purchases.