Best Travel Credit Cards in India 2023

Discount of up to 20% on dining at participating restaurants.

• Enjoy up to 4 free lounge visits per quarter at selected domestic airports in India and 4 complimentary railway lounge access.
• Complimentary roadside assistance worth ₹1,399.

• Get a Buy 1 Get 1 offer on movie ticket bookings on PayTM app.
• Up to 2 complimentary movie tickets worth ₹250 each per month

• 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.

10X Reward Points on incremental purchases greater than ₹25,000 per billing cycle.

• 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 90 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 on expenses over  ₹25,000.
• 10X reward points on transactions made on your birthday.
• 6X reward points on your online purchases.
• 3X reward points on every offline expense.
• 1X = 1 reward points per ₹125 spent.
• Reward Rate = 0.6% to 2%

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)

• 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).

• 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.

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.

• 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.

• A 1% fuel surcharge is waived at all fuel stations throughout the nation.
• The maximum waiver amount is ₹500 per month.
•  Valid on transactions between ₹400 to ₹4000.

• 5% cashback on bill payments via Google pay towards DTH, internet, electricity, gas, etc.
• 1.5% cashback on other spends.

• 4 airport lounge visits every year at certain domestic airports.
• 4% cashback on Ola rides.

• 20% discount on dining bills under the Dining Delight Program, at over 4000 restaurants.
• 4% cashback on Swiggy and Zomato.

Any transaction above ₹2500 on the Axis Bank Ace Credit Card can be converted into EMI easily.

• 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. 
 

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

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

• 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.

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

• 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

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.

• 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%

• 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%

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

Note- 

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

Get a 1% waiver on fuel surcharge across all fuel stations in India with a minimum transaction of ₹400 and maximum transaction of ₹5,000. The maximum waiver per statement cycle is ₹250.

1,000 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.

Up to 20% discount on partner restaurants via Swiggy 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 online and offline spending, including EMI & wallet transactions except fuel.

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.

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

• Enjoy the 24/7 Concierge Services to self-book dining, staycation, flights and activities.
• Phone number: 1800 102 7274
• Email: scb.priority@aspirelifestyles.com

• 20% off on domestic flight bookings with Yatra.com with a max discount of ₹750.
• 10% discount on international flight bookings with a max discount of ₹10,000.
• Up to 25% off domestic hotel bookings with a maximum discount of ₹4,000. Offer valid for 1 transaction per category in a quarter calendar. Use promo code DIGISMART.
• 15% cashback on cab booking with Ola with a max discount of ₹600 per month.

BOGO offer on movie ticket bookings at INOX with a max discount of ₹200 per transaction. Offer valid on Saturdays & Sundays only and can be used for a max of 2 transactions per month.

Avail the EMI facility on transactions above ₹2,000, which can be accessed through the internet or mobile banking.

Up to 10% off on food orders with Zomato with a max discount of ₹150 per transaction. There is no limit on the minimum purchase amount, and the offer is valid on 5 transactions per calendar month.

• 20% off at Myntra with no minimum spend. Valid on 1 transaction per month up to a maximum discount of ₹700.
• Enter promo code DIGISMART and get 10% off on Grofers with no minimum spend. This offer is valid for five transactions per month, with a monthly discount maximum of ₹1,000. 

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.

• 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

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.

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.

• 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

• 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.

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%

• Personal Accident Cover of ₹2,00,000
• Lost Card Liability Cover of ₹25,000

• Free roadside assistance worth ₹1,399 four times a year
• ₹500 discount with Zoomcar rentals
• Up to 50% discount on domestic and international rental cars with Eco Rent-A-Car and Europcar

• For every ₹150 spent, you earn:

  • 24x Reward Points on HPCL Fuel & LPG

  • 30x Reward Points on Grocery & Utility and IDFC FASTag recharge

  • 3x Reward Points on other retail transactions

• 1 Reward Point = ₹0.25

• Reward Rate- 0.5% to 5%

Up to 6.5% savings on your fuel expenses:

• 4% savings as Rewards on HPCL fuel & LPG expenses of up to ₹10,000 every month 
• 1.5% savings as Payback Rewards through HP Pay App fueling up to ₹5,000 every month 
• 1% savings as fuel surcharge waiver on fuel expenses of up to ₹20,000 every month

₹150 discount on orders above ₹500 on Swiggy

• Interest-free cash withdrawal
• Free add-on card

• ₹500 cashback on 1st transaction of ₹500 or above at HPCL fuel station
• 5% cashback up to ₹1,000 on the first EMI transaction

Free domestic airport lounge access, once every quarter, on minimum monthly spends of ₹5,000

25% off on movie tickets up to ₹100, once every month

On-call assistance and cheque pickup service under the “league priority attend” program

Reward Points worth ₹500 on payment of the joining fee.

4 free PVR tickets or 10,000 reward points on spend of ₹125,000 every 6 months.

Note:  A maximum of 8 PVR tickets worth ₹400 each can be availed annually.

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

Note: Maximum waiver allowed in a calendar year is ₹3,500.

Railway surcharge waiver for transactions on the IRCTC website. Maximum railway surcharge waiver allowed in a calendar year is ₹500.

• Get 8x reward points for every ₹150 spent on special categories and  4x reward points for every ₹150 spent on other categories up to ₹2 lakh.
• Reward Rate: 0.66% to 3.33%

• 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.
• Reward rate: 1.5% to 4%

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.

• Spend ₹20 lakh annually – get an Apple gift voucher worth ₹20,000
• Spend ₹12 lakh annually – get a renewal fee waiver
• Spend ₹10 lakh annually – get a Taj Gift Voucher worth ₹10,000
• Spend ₹5 lakh annually – get a Tata CliQ Luxe (Luxury) gift voucher worth ₹5,000
• Spend ₹1 lakh per month – get a Tata CliQ Gift Voucher of ₹1,500
• Book My Show benefits worth ₹1,000 every month

A dedicated concierge service to fulfil all your needs and offer expert assistance

• 4 Reward Points per ₹100 spent
• Reward Rate: 1% to 3%

• 16 free Golf rounds per year and 50% off on subsequent visits (capped to one per month)
• 12 free Golf lessons per year

• 40,000 reward points ~₹10,000
• Club Marriott Membership with discounts on room tariffs, restaurants and spa services at Club Marriott Hotels in India
• Digital Membership for Mint and WSJ

Fuel Surcharge Waiver with a capping of ₹400 per statement cycle

• Unlimited international airport lounge access across 1000+ airports by Dream Folks with 1 free access to guests every quarter
• 4 domestic lounge access per quarter

2 flight cancellation refunds per year from any airline

• 7% Reward points on the Adani One ecosystem, which includes Adani-managed airports, trainmen, gas, electricity and more.
• 1.5% as Adani Reward points on other domestic spend categories, excluding fuel and rent payments
• 2% as Adani Reward points on the international spend category
• 0.5% as Adani Reward points on utility and insurance spend
   

Annual fee waiver on spending of ₹6,00,000 and above in a calendar year
 

• 2 free international lounge access per year 
• 4 free domestic lounge access per quarter
   

• 2 meet and greet services per year (1 on card activation and second on ₹3 lakh spend)
• 4 premium lounge upgrades every quarter
• 4 valet parking every year
• 4 premium car parking every year 
• 8 porter services every year (2 porter services on every 1,00,000 spent, maximum of 8 porter services every year)
   

50% off up to ₹500 twice every month on BookMyShow after card activation

1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet

• Hotel voucher worth ₹2,000 
• Holiday voucher ₹2,000
• Earn ₹5,000 flight voucher on spend of ₹25,000 within 60 days

Note- The aforesaid joining benefits are available only to primary cardholders.
 

• 24x7 Card Related Assistance.
• Emergency Card Replacement.
• No pre-set limit to spend. 

Note: No pre-set limit means users don’t have to worry about the credit limit while making purchases and transactions get approved based on their finances, credit record, spending pattern and account history.

1,000 bonus points on 6 transactions of ₹1,000 every month.

• 1 reward point on every ₹50 spent on fuel.
• 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.

4,000 bonus points on spending ₹10,000 within the first 90 days of card generation.

• 5x reward points on every purchase through “Reward Multiplier”.
• 1 point on every ₹50 spent on fuel and utilities.'
• Reward Rate: 1% to 6%

Note: Utilities include electricity, gas and water.

• Complimentary room upgrade facility at selected hotels.
• US$100 hotel credit for staying at over 400 hotels worldwide.

Note: Hotel credit applies to spending 2 consecutive nights at selected hotels.

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

Up to 20% off at partner restaurants.

• Earn 1.5 reward points for every spent using the card.
• 1 reward point for every ₹100 spent on weekdays, 2 reward points for every ₹100 spent on weekends.
• Reward Rate: 0.7% to 1.5%

• Assistance for hotel/flight bookings is available 24x7 for IndusInd Indulge Credit Card
• Phone: 1860 267 7777

Email: indulge.care@indusind.com

• Personal air accident cover worth ₹2.5 crores in a matter of loss of life
• Loss of card liability protection (applicable from 48 hours before reporting)

• Buy one movie or non-movie ticket on BookMy Show and get another ticket free.
• It can be availed maximum 3 times per month, maximum ticket price capped at ₹700 with an additional discount of  ₹50 for the F&B option.
• 25% discount on non-movie tickets on BookMyShow.
• Save ₹3,000 on dining bills twice per year.

• 6 complimentary visits to domestic lounges per quarter via Visa lounge access program.
• Priority Pass members have unlimited access to international lounges every quarter.

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.
• Reward Rate- 3.3% to 33%.

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.

A complimentary Priority Pass membership, which gives access to over 1,000 lounges worldwide.

• Get coverage for accidental air death, lost baggage, delayed baggage, loss of passport, lost ticket and missed connection.

• The coverage amounts range from ₹25,000 to ₹1,00,000.

• Assistance for hotel/flight bookings is available 24x7 for IndusInd Platinum Visa Credit Card.
• Phone: 1860 267 7777
• Email: indulge.care@indusind.com

• Get 4 complimentary golf games and 4 lessons per year. 
• Access to Auto Assist services such as roadside repair, emergency fuel supply, and emergency towing assistance.

• Exciting offers and deals on premium brands such as Montblanc, Vero Moda, ALDO, and William Penn. 
• Receive Luxe Gift Cards, Amazon gift cards, and Apollo Pharmacy gift cards.

Earn 1.5 reward points for every ₹150 spent. 

Reward Rate: 0.5% to 1.5%

1% waiver on fuel surcharge at all petrol pumps across India 

Note - It applies for all transactions between ₹400 and ₹4000.

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

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

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

• 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.
• Reward rate: 0.6% to 1.5%

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 lakh. 
• The insurance applies only in case of loss of life due to an air accident, and only the primary cardholder is covered.

Reward Rate: 1.8%

Savour the finest flavours with up to 20% off on dining bills at select partner restaurants.

Receive 10,000 miles as a welcome benefit if you spend ₹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.

• 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. 

• 6 domestic lounge access/quarter with MasterCard variant.
• 8 domestic lounge access/quarter with Visa Signature variant.

1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet.
 

25% off up to ₹100 twice every month on BookMyShow
 

The annual fee will be waived for spends of ₹3,00,000 and above in a calendar year.
 

• 2 premium lounge upgrades every quarter
• 2 valet parking every year
• 2 premium car parking every year on card activation
• 4 porter services every year 

Note: 2 porter services on every ₹1 lakh spent, maximum of 4 porter services every year

• 3% Reward points on the Adani One ecosystem, which includes Adani-managed airports, trainmen, gas, electricity and more.
• 1% as Adani Reward points on all other domestic spending categories, which exclude fuel and rent payments
• 1.5% as Adani Reward points on the international spending category
• 0.5% as Adani Reward points on utility and insurance spend

2 free domestic lounge accesses per quarter after card activation
 

• Hotel voucher worth ₹1,000 on card activation
• Holiday voucher worth ₹2,000
• ₹2,000 flight voucher on spends of ₹10,000 within 60 days of card activation