Best Reward Credit Cards in India

Access over 300 brand offers throughout the year! Enjoy discounts of up to 20% at over 1500 restaurants. Discover all the available offers!

• 4 free railway lounge visits per quarter.
• Cancellation For Any Reason (CFAR) insurance: Cancellation cover for up to 2 claims up to ₹10,000 will be available for hotel and flight booking cancellations. Click here for details. 
• Get discounts on fast-track immigration services at more than 450 locations around the world. Click here for details.
• Limousine service for airport transfers is available at a discounted rate in over 3000 cities across 83 countries. Click here for more details.

Get a Buy 1 Get 1 offer on movie ticket bookings on PayTM app.

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

Up to 15% discount at 3000+ Health & Wellness outlets.

• Gift voucher worth ₹500 after spending ₹5,000 or more within 30 days of card issuance.
• 5% cashback up to ₹1,000 on EMI transactions within the first 30 days.

Insurance cover for:

• Air Accident Cover - ₹1 Crore
• Travel - ₹22,500 
• Accident Cover - ₹5,00,000
• Lost Card Liability - ₹50,000

Note- All these insurance benefits are subject to the bank’s criteria.

1% surcharge waiver on fuel transactions at petrol pumps across India, with a maximum discount of ₹300.

• 10x Reward Points for every ₹150 spent on purchases above ₹20,000
• 10x Reward points on crossing ₹20,000 in a statement cycle on your birthday
• 3x Reward Points/₹150 Spent ₹20,000
• 1X Reward Point on utility bills and insurance premium payments
• 1X = 1 reward point per ₹150 spent
• Reward Rate = 0.2% to 1.6%

2 free Domestic airport lounge visits per quarter, on spending ₹20,000 every month. List of Eligible Lounges
 

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
• Reward Rate: 0.8% to 4%

• 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)

1% fuel fee waiver at all Indian gas stations, provided the transaction size does not exceed ₹4,000.

5% cashback on the user’s first gasoline purchase of the month. A minimum purchase of ₹2,000 is necessary to take advantage of the deal, and the maximum monthly reward is ₹150.

• For Prime users, rewards worth ₹2,000.
• For Non-Prime Users, rewards worth ₹1500 + 3 months Amazon Prime Membership

• 1 Reward Point = ₹1
• Reward Points transferred as cashback to Amazon Pay balance.
• No expiry date of Reward Points.
• No minimum amount is required for reward redemption.

As part of ICICI Bank’s Culinary Treats program, this card saves users at least 15% on bill payments at all partner restaurants.

• 5% cashback on transactions made at  Amazon for Prime members.
• 3% cashback on transactions for Non-Amazon Prime members.
• 2% cashback on transacting at over 100 Amazon Pay merchant partners on using this card on Amazon Pay.
• 1% cashback on all other payments.

• 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 net banking at a value of 1RP = 1 air mile.
• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = up to ₹ 0.50.
• Cashback at a value of 1 RP = ₹ 0.30.
• Reward Rate- 3.3%

• 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)
• Reward Rate- 1% to 5%

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.

• Up to 15% discount at over 3000 Health & Wellness outlets.
• Get 4 complimentary Roadside Assistance services across India with Global Assure.
• Services include Towing of a Vehicle, Alternate Battery, Tyre Change, Breakdown support, Taxi Benefit, and Arrangement of fuel, among others.

• 4x Reward Points on every ₹150 spent.
• Reward Rate: 0.67%

1% fuel surcharge waiver at all fuel stations across India, with a maximum benefit of ₹200/month.

• Personal accident cover of ₹2,00,000.
• Card liability cover of ₹25,000.
• Credit shield cover of ₹25,000.
• Purchase protection of ₹25,000.

5% Cashback on the first EMI transaction within 90 days of card activation.

Convert transactions above ₹2,500 into convenient EMI plans.

Note- It can be availed on the bank's OTP page for online transactions and is available for all transactions through the IDFC FIRST Mobile Banking App, excluding jewellery purchases.

20% discount at over 1500 restaurants.

• 24/7 Concierge Services on the IDFC Bank First WOW Credit Card.
• Phone No: 1860 258 2000 (India) 

Email ID: creditcard@idfcfirstbank.com

Amazon gift card worth ₹500 on payment of Annual Fee of ₹499 + taxes.

1% fuel surcharge waiver for each transaction between ₹500 & ₹3000 (exclusive of GST, wherever applicable, & all other charges)

• 1 Cleartrip e-voucher worth ₹2,000 on annual online spends of ₹1 lakh.
• 1 Cleartrip e-voucher worth ₹2,000 on annual online spends of ₹2 lakh.

• 1 reward point on every ₹100 spent.
• 10x reward points for online purchases made at partner stores, including Cleartrip, Bookmyshow, EazyDiner, Netmeds and Apollo 24/7.
• 5X reward points on all other online spends.
• Reward Rate = 0.25% to 2.5%

• 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.
• Reward Rate: 1.5% to 3%.

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).

• Earn 4 Reward Points on every ₹150 spent, including insurance, utilities and education​
• Earn 10,000 Reward Points on annual spends of ₹5 lakh.
• Earn an additional 5,000 Reward Points on annual spends of ₹8 lakh.
• Reward Rate: 1.3%

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

• Earn bonus of 10,000 reward points when you spend ₹5 lakh in the anniversary year.
• Earn additional 5,000 reward points when you spend ₹8 lakh spends in the anniversary year.

2,500 reward points on payment of joining and annual fee. 

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. 

• 12 complimentary access per calendar year within India (both at domestic and international terminals).
• 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 a minimum 4 retail transactions on your HDFC Bank Regalia Credit Card.
• Using Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 

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

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.

2,500 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

Reward Rate: 2% to 10% in the form of Edge Miles.

• 5% cashback (4% + 1% surcharge) on fuel purchases at HPCL fuel pumps, on any bank POS machine, or on the HP Pay app. 
• Additional 1.5% cashback as reward points on fuel purchases on the HP Pay app at HPCL outlets. 

Note: 4% cashback is capped at ₹200 per month.

2,000 bonus Reward Points on paying the membership fee within 2 months and spending at least ₹5,000 within the first 45 days of card issuance; ₹100 cashback on the HP Pay app on the first fuel purchase of ₹1,000 or more.

• 5% cashback on all bill payments and departmental store spends.
• 20 ICICI Bank Reward Points on every ₹100 spent on utilities.
• 2 ICICI Bank Rewards on every ₹100 spent on all retail purchases. 
• Reward Rate: 0.5%

Note: 5% reward points are capped at ₹ 100 worth of  ICICI Bank Reward points per month.

Free airport lounge access per quarter on spending ₹5,000 in every calendar quarter.

24x7 roadside assistance in case of vehicle breakdown. 
 

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.
• Reward Rate: 0.75% to 2.5%

• 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.

• ₹100 cashback on the first ATM withdrawal within the first 30 days.
• 2000 Bonus Points on spends of ₹2000 within the first 60 days.

• Complimentary add-on credit card.
• Annual fee reversal from the 2nd year onwards.

Note: Applicable on spend of ₹1 Lakh or more in the previous year.

• Users earn 10 Reward Points on ₹150 spent on particular categories.
• 1 Reward Point on spending ₹150 on other categories using the card.
• Reward Rate: 0.7% to 1.7%

Note: These Categories include Dining, Movies, Groceries & Departmental Stores. 

1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

Note: Maximum waiver up to ₹100 per statement cycle.

Converts all purchases of more than ₹2,500 into Easy EMI via Flexipay.

• 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.

• 1 Membership Rewards Point for every ₹40 spent
• 3x Membership Rewards Points on all international spends
• 5x Membership Rewards Points on every purchase through Reward Multiplier
• Reward Rate: 1.25% to 2.5%

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.

• 5,000 points upon first card renewal.
• 1,000 points on 4 or more transactions of ₹1,500 or above in a calendar month.
• Reward Rate- 1% to 5%

• Emergency Card Replacement Support.
• 24x7 Card Related Assistance.

Addditional 1,000 points by spending ₹20,000 or more in a calendar month.

Note: This is an enrollment-based benefit. Users have to enrol specifically in this.

Convert transactions of ₹5,000 or more into easy EMIs.

Up to 20% off on dining at partner restaurants.

• No convenience fee for transactions under ₹5,000.
• 1% convenience fee for transactions of ₹5,000 and above.

Note: Applicable only at HPCL outlets in India.

4,000 Bonus Membership Reward Points.

Note: Applicable on payment of joining fee and spending

• 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.
Reward Rate: 0.5% to 1.6%

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.

• Personal accident covers of ₹2 lakhs.
• Lost card liability covers of ₹25,000.

Note: Valid on doing at least one transaction using a card in the last 30 days.

15% discount at health & wellness outlets.

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

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

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

4 complimentary Railway lounge visits per quarter.

Convert transactions of ₹2500 or more into easy EMI.

• 10X reward points every time your expenses reach ₹20,000.
• 10X reward points on transactions that you make on your birthday.
• 6X reward points on every online purchase.
• 3X reward points on all your offline expenses.
• 1 reward point when you spend ₹100 on your credit card.
• Reward Rate: 0.5% to 1.67%

100% cashback up to ₹250 on all fuel transactions.

Note: This is a one-time offer and valid only for the first 30 days of card issuance.

1% value back on online shopping by earning 5 reward points per ₹100 spent.

Note: Transact at online merchants between ₹100 and ₹5000 to avail of the order.

Instant discount of up to 10% on movie ticket booking via the BookMyShow app or website.

Fuel surcharge waiver of 1% at any fuel outlet in India.

Note: The offer is available for transactions between ₹200 and ₹5000. Maximum waiver of ₹50 per statement cycle.

• 20 Reward Points on every ₹100 spent at IOCL fuel outlets.
• 5 Reward Points on every ₹100 spent on online shopping.
• 1 EDGE Point per ₹100 on all other spends with the card.
• Reward Rate: 0.2% to 4%

Get up to 15% discount at the partner restaurants in India.

Note: Capped to ₹500.

Customers will get 2,000 reward points as a welcome bonus after completing these three steps: 

• Paying the joining fee mentioned in the first statement before the payment due date.
• Downloading and installing RBL MyCard App.
• Using ShopRite Credit Card once within 30 days of card issuance.

10% discount (up to ₹100) on movie tickets booked through BookMyShow 15 times annually.

Note: Select ‘RBL Bank 10% Offer’ under Credit Card offers on BookMyShow to avail of this benefit.

Fuel surcharge waiver every month up to ₹100 at all stations.

Note: One can avail of fuel benefits only if the transactions are between ₹500 to ₹4000. Also, the maximum waiver can be up to ₹100 every month.

• Earn 1 Reward Point for every ₹100 spent on all your purchases except fuel.
• Earn 20 Reward Points for every ₹100 when you use your card for grocery shopping. Maximum 1000 Reward Points in a month.
• Reward Rate: 0.5% to 5%

• 3% Rewards on Indigo Spends.
• 2% Rewards on monthly Merchant Spends (Includes Dining, Grocery & Entertainment).
• 1% Rewards on Other Category spends (Wallet excluded).
• 10% Accelerated rewards on spend at Indigo partner.
• Reward Rate: 1% to 10%

• Complimentary ticket worth ₹1,500.
• 6E Prime add-ons worth ₹899.
• Accor Dining Voucher worth ₹1,000.
• Discount Voucher of 30% for stays at Accor Hotels.

Note: Complimentary tickets can be redeemed towards base fare post doing three 3 transactions every month for the first quarter.
Add-ons include priority check-in, choice of seats, complimentary meal and baggage assistance.

Discount of ₹150 per passenger on convenience fee on Indigo Tickets.

Emergency services and international travel insurance

30% off your bill with EazyDiner up to ₹1,250

Unlimited airport lounge access in India and internationally and 8 international guest visits

• 3 Reward points for every ₹100 you spend
• Reward Rate: 3%

Low forex markup fee of 0.99% with no terms and conditions

 Weekly BOGO offers from BookMyShow

• Epicure membership with offers and benefits across Taj hotels
• Taj Experiences gift card worth ₹12,000
• Complimentary EazyDiner Prime annual membership

Save 1% Fuel Surcharge at any pump, any place 

• 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.

Reward Rate: 3% to 7.5%

• 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.

• 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.

• 24x7 Card Related Assistance.
• Emergency Card Replacement.

₹500 cashback on eligible spends of ₹10,000.

Note: Applicable on spends done within the first 90 days of card generation.

Convert transactions of ₹5,000 or more into easy EMIs.

• 10X membership points on the spends at Flipkart, Amazon, & Uber.
• 5X membership points on Paytm Wallet, BookMyShow, Swiggy & more.
• Reward Rate: 1% to 10%

Note:

• Points earned on Flipkart & Amazon are capped at 500 points (combined) per month.
• Points earned on Uber and in the 5x category are capped at 500 points and 250 points respectively per month.

• No convenience fee is charged for transactions less than ₹5,000.
• 1% convenience fee on transactions of ₹5,000 and above.

Note: Applicable only at HPCL outlets in India.

• On Spending ₹2500 in a month on our 10X Partner (Flipkart or Amazon), you will earn 500 Membership Rewards points.
• On Spending ₹2500 in a month on our 10X Partner (Uber), you will earn 500 Membership Rewards points.
• On Spending ₹2500 in a month on our 5X Partner, you will earn 250 Membership Rewards points.

E-gift vouchers worth ₹5000 upon joining.

Note: Brands to choose from are Shoppers Stop, Pantaloons, Hush Puppies/Bata and Aditya Birla Fashion.

Complimentary credit card fraud liability cover of ₹1 lakh, valid from the period of 48 hours prior to reporting of loss till 7 days post reporting of loss.

• Get 5X Reward Points on Dining, Departmental stores and Grocery Spends.
• Earn 2 Reward Points per ₹100 on all other spends, except fuel.
• Reward Rate: 0.5% to 5%

Assistance with gift delivery, flower delivery, and online doctor consultation.

Note: Call 1800-2121-68168 or email at support@premiumconcierge.in to avail.

Facility of transferring other bank credit card balances to their SBI Card and paying back in EMIs.

• 10,000 bonus reward points on spending ₹3 lakhs and ₹4 lakhs on the card.
• 15,000 bonus Reward Points on achieving annual spends of ₹5 lakhs and ₹8 lakhs.
• Spend Based Reversal of Annual Fee on spends of ₹10 Lakh.

Free movie tickets worth ₹6,000 every year, with a maximum discount of ₹250/ticket for 2 tickets per month.

Note: The Convenience Fee would be chargeable.

1% fuel surcharge waiver, on every transaction between ₹500 and ₹4,000, at any petrol pump across the country. 

Note: Maximum surcharge waiver available is ₹250 per statement cycle.

• 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.
• Reward Rate: 0.5% to 1.25%

• 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

Protection against any fraudulent use of the card

Note: Report the loss at customer care immediately at 18605005555 or 18604195555.

• 1 EDGE reward point on every ₹200 spent via Axis Bank Neo Credit Card. To redeem points, check the EDGE rewards catalogue.
• Reward Rate: 0.1%

10% off on Myntra every time you shop on minimum purchase of ₹500.

Facility to convert purchases into EMIs through mobile app, internet banking or customer service.

Note: This is valid for any transaction over ₹2500.

• Amazon gift voucher worth ₹250.
• Zomato voucher worth ₹200.
• Blinkit voucher worth ₹250.
• Pharmeasy 6 months subscription.

Note: Eligible customers will receive the voucher code via SMS on a registered mobile number within 45-60 days of 1st spend.

• 10% off on Blinkit - upto ₹250 off on minimum spend of ₹750, valid once per month.
• 5% off on mobile recharges/ broadband payment/DTH recharge done through Amazon Pay, valid once per month.

• 15% off on dining at partner restaurants.
• Dining Delights Program via EazyDiner.
• 40% off on food delivery at  Zomato.

Note: Minimum Order Value ₹1500

Redeem reward points for booking flight tickets/hotels across airlines and choice of hotels.
Note- Members can redeem up to 70% of booking value through reward points. Rest will have to be paid via Credit Card.

• Air accident insurance cover worth ₹2 crore
• Emergency overseas hospitalisation of ₹50 lakh
• Travel Insurance covers up to ₹55,000 on baggage delay beyond 8 hours for international flights, capped at $10/hour.
• Credit Liability Cover of up to ₹9 lakh

• 5 reward points for every ₹150 spent.
• 10X reward points on spends via SmartBuy.
• Reward Rate: 3.33%

Note: 1 Reward Point = ₹1.
The maximum reward points that can be earned in a statement cycle is 75,000.

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

6 free golf games every quarter across the finest courses in the world.
To book a golf game, reach out to the concierge via:
Call: 1800 118 887 | 022 42320226,
Email:dinersblack.support@smartbuyoffers.co

• Get 2X reward points, i.e. 10 reward points per ₹150 spent on weekend dining, capped at 1000 reward points per day.
• 25% savings off on all your restaurant bill payments via Swiggy Dineout.

10,000 bonus reward points on spends of ₹4 lakh every calendar quarter.

Free annual Club Marriott, Amazon Prime, and Swiggy One membership on spending ₹1.5 lakh within the first 90 days of card issuance. 
 

Unlimited airport lounge access to 1300+ lounges in India and worldwide for primary and add-on card members.

• For Domestic lounges, click here.
• For International lounges, click here.
   

Get Global Personal Concierge 24/7.

• Toll-free: 1800118887
• Landline: 022 42320226
• Email: dinersblack.support@smartbuyoffers.co

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.

• 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 lakh against the credit card.
• Option of transferring the card balance up to ₹5 lakh 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.
• Reward Rate: 3.3%

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

• 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 lakh.
• 35 EDGE Reward points per ₹200 on incremental spends above ₹1.50 lakh.
• 5X EDGE Rewards on travel spends via Travel Edge.
• 2 partner miles for every 5 EDGE Reward points across 19 travel partners.
• Reward Rate: 1.25% to 6%

 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 ₹4,000 per transaction at all HPCL pumps.

A discount of 25% on a minimum purchase of two movie tickets per transaction on BookMyShow.

Note- The offer is available twice a month.

• 2 Reward Points on every ₹100 spent on your card (except fuel).
• 1 Reward Point on every ₹100 spent on utilities and insurance categories.

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

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

The card offers air accident insurance of up to ₹3 crore. 

• 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.
• Reward Rate- 0.4%

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.

• 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.

24x7 concierge service on Scapia Federal Bank Credit Card

Zero forex markup on all international transactions

• 20% rewards on travel bookings done via the Scapia app
• 10% rewards on every online and offline spending
• 5 Scapia Points = ₹1
• Reward Rate = 2% to 4%

Unlimited domestic lounge access on minimum spending of ₹5,000

• 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 spent.
• Earn 2X Reward points per ₹ 200 on Retail Shopping spends.
• Reward Rate: 1% to 10%

• 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

• 1 Reward Point for every ₹150 spent on all expenses.
• Reward Rate: 5%

• 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. 

1,500 Edge Reward Points on spending ₹30,000 per statement cycle

• Purchase Protection Cover up to ₹1 lakh
• Cover of $300 of delay in check-in baggage and loss of travel documents
• Credit Shield of ₹1 lakh

Click here for the cover and claim procedure.

5,000 EDGE Reward Points on spending ₹1,000 or more within 30 days of card issuance.

2 free domestic lounge access per quarter
Click here for the list of lounges.

• 2 Edge Reward Points on every ₹125 spent
• 10x Reward Points on every ₹125 spent on apparel and departmental stores
• Accelerated Reward Points on spending ₹7,000 or more per month
• Reward Rate: 0.3% to 3.3%

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

• 30% off on Swiggy for food delivery
• 15% off with Dining Delights Program at partner restaurants

Note: 

• Maximum discount is capped at ₹150 per order
• You can avail of the discount up to 2 times a month
• Offer is applicable on minimum transaction of ₹200 per order

Bouquet of membership up to ₹1,000 every anniversary year.

Note: The bank will communicate the bouquet of benefits once you repay the minimum due amount.

• 5X Reward points on every ₹100 spent at special categories.
• 1 Reward Point on ₹100 spent on non-fuel retail purchases.
• Note: Special Categories include Dining, Movies, Groceries & Departmental Stores.
• Reward Rate: 0.25% to 3.25%

• 2,000 Activation Bonus Reward Points worth  ₹500. 
• Amazon voucher worth ₹250 on applying online. 

Note: Reward Points will be credited after 20 days of the payment of the joining fee.        

• Earn 13 reward points on every ₹100 spent at BPCL outlets.
• 1% fuel surcharge waiver on transactions up to ₹4,000.

Note: Maximum waiver up to ₹100 per statement cycle.

• Complimentary add-on credit card.
• Doorstep delivery of cheque & draft.
• Worldwide acceptance at any outlet that accepts Visa/Mastercard.
• Lower Rate of interest on transferring the outstanding balance of other banks to this card.

Converts all purchases of more than ₹2,500 into Easy EMI via Flexipay.

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.
• Reward Rate: 1% to 3%.

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 lakh
• Credit Shield - Up to ₹15 lakh
• Purchase Protection - Up to ₹50,000
• Other Travel-related covers - In the 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.

50 days of interest free period on your HDFC Bank Moneyback+ Credit Card from the date of purchase.

500 Cash Points in exchange for paying the joining fee.

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

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

₹500 gift voucher on spends on ₹50,000 per calendar quarter.

• 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
• 5X CashPoints on EMI spends at merchant locations.
• 2 CashPoints per ₹150 spent on other spends excluding fuel, wallets loads/prepaid card loads, and voucher purchases.
• Reward Rate: 3.3%

If you lose your HDFC Bank Moneyback+ Credit Card, please call our 24-hour call centre right away to report it. If you report the loss right away, you are not responsible for any fraudulent credit card purchases. 

Spend ₹50,000 and above in each calendar quarter and get ₹500 worth of gift vouchers.

HDFC Bank Moneyback Credit Card comes with a feature of Smart EMI, where major spending can be divided into small EMI amounts after purchases.

1% fuel surcharge waiver (with a cap of ₹250 per statement cycle) at a minimum spend of ₹400 to a maximum spend of ₹5000.

• Earn 2 Reward Points on every ₹150 spent (Excluding fuel transactions, wallets loads/prepaid card loads & voucher purchases)
• Earn 2X Reward Points, i.e. 4 Reward Points on every ₹150 spent online.
• Every quarter, get a gift voucher worth ₹500 on spends of ₹50,000. Earn up to ₹2,000 worth of gift vouchers in a year.
• Reward Rate: up to 0.5%

• Get up to 20% 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 via Swiggy App.

On payment of the joining or renewal cost, the user gets 500 Cash Points as a welcome and renewal reward.

From the date of purchase, the HDFC Bank MoneyBack Credit Card offers an interest-free credit period of up to 50 days.

HDFC Bank offers Zero Liability Protection against fraudulent credit card transactions if the loss is reported quickly and within a certain time frame to the 24-hour HDFC Bank Customer helpline.

• 1 free visit to domestic airport lounges per quarter.
• 2 free access to international airport lounges annually.

• 2x reward points for every ₹100 spent on all other categories of retail spend.
• 10x rewards on every ₹100 spent at standalone hotel and airline websites/apps/outlets.
• Reward Rate: 0.5% to 20%

Ease of converting transactions of ₹2,000 and above into EMIs.

• 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 for 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 EaseMyTrip

• 10 Reward Points per ₹100 spent on selected Reliance Retail Stores
• 5 Reward Points per ₹100 spent on dining, movies & entertainment, domestic airlines and international spend
• 2 Reward Points per ₹100 spent on other retail purchases, except fuel, property rental, wallet upload
• 1 Reward Point = ₹0.25
• Reward Rate = 0.25% to 2.5%

• Reliance Retail voucher worth ₹3,000 on payment of joining fees
• Additional discount voucher worth ₹3,200 that can be redeemed on selected Reliance Retail Stores

Note- Vouchers shall be delivered within 45 days of payment of joining fees.
For details, click here.

You can use your Reliance SBI Card at over 24 million outlets worldwide, including 3,25,000 outlets in India.

• 8 free domestic airport lounges per year. Maximum 2 per quarter
• 4 free international airport lounges per year. Maximum 2 per quarter

Click here for a list of lounges.

1 free movie ticket via BookMyShow per month worth ₹250.

1% fuel surcharge across all petrol pumps in India for transactions between ₹500 and ₹4,000.
Note- Maximum fuel surcharge waiver of ₹100 per statement cycle per credit card account.

• Annual fee waiver on spending more than ₹3 lakh in the previous year
• Reliance Retail voucher worth ₹1,500 on annual spends of ₹75,000 
• Reliance Retail voucher worth ₹2,250 on annual spends of ₹1,50,000
• Reliance Retail voucher worth ₹5,000 on annual spends of ₹3,00,000

For a list of participating Reliance stores, click here.

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 spend at Marks & Spencer, Myntra, Reliance Digital, and Nykaa.
• Reward Rate: 1.3% to 13%.

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.
• Reward Rate: Up to 4%

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.

If you report any unauthorised use of the credit card within 3 working days of the fraud, the liability to American Express will be nil. If reported beyond 3 working days, the maximum liability will be limited to ₹1000.

• Gift voucher worth ₹500 on spending ₹25,000 per month on brands like Flipkart, BookMyShow, BigBasket, MakeMyTrip, Myntra, PVR and Shoppers Stop
• Free golf access twice a month to 32 lush green courses in India

Enjoy 24x7 services for all card-related assistance.

• 12 free annual visits (limited to 3 per quarter) to domestic airport lounges across India
• Access to 1200+ VIP airport lounges in over 120+ countries with a free Priority Pass Membership

• 1 Membership Reward Point for every ₹50 spent except for spending on fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale.
• Reward Rate: 1% to 2%

Air accident cover for up to ₹1 crore.

11,000 Membership Reward Points on spending ₹30,000 within 90 days of card membership.

0% convenience fee for HPCL transactions less than ₹5,000,1% fee per transaction is applicable for all HPCL transactions on and above ₹5,000.

• Free Taj Epicure Membership, where you get
  • 20% discount on the best available rate for a room/suite stay at Taj Palaces
  • 20% discount on the best available rate for a room/suite stay at Taj Safaris
• Taj Stay Voucher worth ₹10,000 when you spend ₹5 lakh in a card membership year and pay the annual fee of ₹10,000 on your card.

1% surcharge waiver across all petrol pumps in India for transactions between ₹500 and ₹4,000.

• 5 reward points per ₹100 spent on the selected Reliance Retail stores
• 5 reward points per ₹100 spent on dining & movies
• 1 reward point per ₹100 spent on other retail purchases except for fuel, rental property and wallets
• 1 reward point = ₹0.25
• Reward Rate = 0.25% to 1.25%

• Annual fee waiver on spending more than ₹1 lakh in the previous year
• Reliance Retail voucher worth ₹500 on annual spends of ₹25,000 
• Reliance Retail voucher worth ₹750 on annual spends of ₹50,000
• Reliance Retail voucher worth ₹1,000 on annual spends of ₹80,000

For a list of participating Reliance Retail stores, click here.

• Convert your transactions into monthly instalments from 0.83% per month for 3 months
• Make any purchase for ₹2,500 or more and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay.
• You can use your Reliance SBI Card at over 24 million outlets worldwide, including 3,25,000 outlets in India.

• Reliance Retail voucher worth ₹500
• Additional discount voucher worth ₹3,200 that can be redeemed on selected Reliance Retail stores

Note- Vouchers shall be delivered within 45 days of payment of joining fees. For list of brands, click here.

• Discount of 20% up to ₹80 on orders above ₹299 on Domino's valid 2 times in a month
• Discount of 10% up to ₹100 on orders above ₹299 via Zomato

10% off on flights or hotels up to ₹500 on transaction value above ₹5,000, valid once per quarter via EaseMyTrip

25% discount up to ₹100 on the purchase of movie tickets on the Paytm Mobile App. The offer can be availed once a month.

 4 free railway lounge access in a calendar quarter to participating lounges in India

Fuel surcharge waiver of 1% at all fuel stations across India, up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000.

• 200 Reward Points on spending ₹5,000 monthly
• 500 Reward Points on monthly spend of ₹10,000
• 1,000 Reward Points on monthly spend of ₹15,000
• Reward Rate: 1% to 1.6%

10% instant discount up to ₹100 on purchases over ₹999 in TataCliQ, valid once per month

• 1,000 Reward Points on 1st successful EMI transaction within the first 30 days from card issuance
• 1-year Times Prime Membership on spending of a minimum ₹30,000 or more within the first 90 days of credit card issuance
• Free Lenskart Gold Membership for 1 year on payment of joining fee

• 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 your travel, 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 spent at any merchant across categories.
• Earn 4 Reward Points per ₹100 retail spends on Grocery & Departmental shops.
• Earn 10 Reward Points per ₹100 retail spent on utility bills.
• Reward Rate: 0.5% to 3%

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

• Complimentary Trident Privilege Red Tier Membership.
• Complimentary Club Vistara Silver Membership.
• 1 Upgrade Voucher from Vistara.
• Complimentary Air Accident Liability Cover of ₹50 lakhs

• Waiver of renewal fee on annual spends of ₹3 lakhs.
• Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter.
• E-Gift Voucher worth ₹7,000 from Yatra.com/Pantaloons on spending ₹5 lakhs annually.

• Earn 2 Reward Points per ₹100 on all other retail spends except fuel.
• Get 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental stores and Movies. 
• Reward Rate: 0.5% to 5%

Convert the transactions of ₹2500 or more into easy EMI.

Mastercard

• Up to 50% off on golf games.
• 1 Free lesson per month at selected golf courses.
• 4 Rounds of free green fee access.
• 15% off on F&B and Lalit Hotels.

Visa

• Up to 10% off on Hertz Car Rental.
• Up to 35% off on Avis Car Rentals.
• Exclusive benefits across 900 luxury hotels worldwide.

American Express

• Up to 25% off on dining.
• VIP upgrades & Privileges at hotels all over the world.
• ₹1,000 hotel credit on extended night stay under Trident Privilege Membership.
• Emergency Card Replacement anywhere in the world.
• Withdraw Cash anywhere in the world.

1% fuel surcharge waiver on transactions between ₹500 and ₹4,000.

Note: Maximum waiver up to ₹250 per statement cycle.

• 8 free lounge access per year to Domestic Lounges.
• 4 free lounge access annually to International Lounges.

Note: Maximum 2 visits per quarter.

Gift voucher worth ₹3000 from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.

Under the Milestone Rewards Program, you get up to 15,000 Payback Points per year:

• 3,000 Payback Points on spending ₹3 lakh on your cards and 
• 1,500 Payback Points on spending ₹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

2 free rounds of golf every month at the golf course of the user's choice.

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

• An air accident insurance of ₹1 crore.
• 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
• 2 vouchers worth ₹1000 each from EaseMyTrip
• Uber voucher worth ₹250
• 2 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 free 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.

Earn up to 6 Payback (rewards) points on every ₹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 for lifestyle products, mobiles, appliances, and more.

Reward Rate: 0.25% to 1%

1% fuel surcharge waiver on fuel transactions at any fuel outlet

Zero liability on any fraudulent transactions.

Note: Loss of card to be reported immediately to the bank’s 24-hour call centre.

• Complimentary 6E prime add-on. 
• Priority check-in, a choice of seat, a complimentary meal, and quicker baggage.
• Note: Available only on first-year membership fee payment.

1 complimentary IndiGo air ticket worth ₹1,500 on making 3 or more transactions in each of the first three months of card use. 

Note: Milestone Benefit is available only on first-year membership fee payment.

Up to 50 days of interest free period on your 6E Rewards - IndiGo HDFC Bank Credit Card, from the date of purchase.

₹150 discounted convenience fee on IndiGo.
 

1% 6E Rewards for every ₹100 on fuel spends.

Reward Rate: 1% to 2.5%

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

• 1% fuel surcharge waiver at all Indian fuel stations ​​​​​on a minimum transaction of ₹400 and a maximum CashBack of ₹250 per statement cycle.
• Earn up to 50 Litres of Free fuel annually. 
• Earn 5% of your spends as Fuel Points at IndianOil outlets (Max 250 Fuel Points per month in first 6 months, Max 150 Fuel Points post 6 months from card issuance).
• Earn 5% of your spends as Fuel Points on Groceries and Bill Payments (Max 100 Fuel Points per month on each category).
• Earn 1 Fuel Point for every ₹150 spent on all other purchases.

Zero liability on any fraudulent transactions made on your Credit Card.

Note: Applicable on immediate reporting.