Joining fee | | - Rs. 10,000 plus applicable taxes.
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Renewal fee | | - Rs. 10,000 plus applicable taxes.
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Renewal fee waiver | - Annual fee reversal on spends of Rs. 10 lakhs.
| - Annual fee reversal on spends of Rs. 5 lakhs in the previous year.
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Welcome benefits | - Get an e-gift voucher worth Rs. 5000 from reputed travel and lifestyle brands - Yatra.com, Bata, Hush Puppies, Pantaloons, Shoppers Stop, and Aditya Birla Fashion.
| - Get complimentary annual memberships of Times Prime, Amazon Prime, Swiggy One (3 months), Club Marriott, and MMT Black on spends of Rs. 1.5 lakhs within the first 90 days or upon paying the first year fee.
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Reward points | - Get 5x reward points on dining, departmental stores, and grocery spends.
- Earn 2 reward points per Rs. 100 spent on international transactions.
- Earn 2 reward points per Rs. 100 on all other spends, except fuel.
| - Earn 5 reward points per Rs. 150 on retail spent.
- Earn up to 10X reward points on spends through SmartBuy
- No rewards on fuel purchase
- Reward points are valid for 3 years
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Rewards redemption | - Use your reward points to buy vouchers or merchandise from an exclusive rewards catalogue.
- Make the payment of your outstanding balance using reward points @ 4 points = Re. 1.
| - Reward points can be converted into air miles in the ratio of 1:1
- Redeem points to book hotel stays/air tickets on the HDFC SmartBuy portal (1 point = Re 1).
- Choose from an exclusive reward redemption catalogue
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Milestone benefits | Earn up to 50,000 extra reward points of value Rs. 12500 per year. - Earn 15,000 bonus rewards on reaching annual spends of Rs. 5 lakhs and Rs. 8 lakhs.
Earn 10,000 bonus rewards on reaching annual spends of Rs. 3 lakhs and 4 lakhs. | - Choose any 2 benefits amongst Cult.fit Live 1 month membership, BookMyShow, or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on reaching milestone spends of Rs. 80,000.
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Movie benefits | - Cardholders are eligible for complimentary or discounted movie tickets every month (Up to a maximum limit of Rs. 6000 every year or 250 per ticket). This offer is valid for a minimum of 2 tickets per booking per month.
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Lounge access | - Enjoy 2 complimentary domestic airport lounge visits every quarter in India.
- Enjoy 6 complimentary international airport lounge visits every year outside India (With a maximum of 2 visits per quarter) across 1000 airport lounges worldwide.
- Get a complimentary membership to the priority pass program worth $99
| - The card offers unlimited airport lounge access to 1000 plus lounges in India and worldwide for primary and add on card members.
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Forex Markup | - Enjoy a low foreign currency markup charge of 1.99% on international usage.
| Get a foreign currency mark up charge of 2% on all your foreign currency spends. |
Other benefits | - Exclusive concierge services for flower delivery, gift delivery, online doctor consultation, etc.
- Contactless technology
- Global acceptance
| - Enjoy the exclusive 24/7 concierge services
- Convert your big spends into EMIs after purchase.
- Contactless technology.
- Book flight tickets or hotels across 150 plus airlines and choice of hotels (Domestic and international) at SmartBuy.
- Get up to 50 days of interest free credit period.
- Enjoy a flat 10% discount on dining bills at 35K+ restaurants! under the Good Food Trail program via Swiggy Dineout
- Get 2x reward points on weekend dining.
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Golf benefits | Golf benefits are part of Mastercard privileges. - Enjoy 4 rounds of complimentary green fees access and up to 50% off on all golf games.
- Get 1 complimentary golf lesson per month at select golf courses across India.
| - Get complimentary golf games across the finest courses in the world (6 per quarter)
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Mastercard/Visa/American Express Privileges Or Diners Exclusive Privileges | Mastercard privileges: - Avail 15% discount on best available room rates and up to 15% discount on F&B at Lalit hotels.
Visa Privileges: - Savings of up to 35% on Avis car rentals and 10% on Hertz car rentals
- Exclusive perks across 900 luxury hotels worldwide
American Express: - American Express Dining Platform - Discover delectable dining offers and enjoy up to 25% discount in the city.
- Complimentary tablet plus membership - Access to VIP upgrades and privileges at hotels in India and around the world.
| Diners Exclusive Privileges: - Get fast track airport experience: Skip the line for check-in and get baggage assistance.
- Dining delight: Exclusive offers on dining from gourmet cuisines to local delicacies.
- Luxury Spas: Access to some of the premium spas within India at special rates.
- Small Medium Enterprise (SME): Customized offers such as workspaces, business insurance and wellness discounts to meet business needs.
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Fuel surcharge waiver | - Get 1% fuel surcharge waiver (Up to Rs. 250 per statement cycle) on every transaction between Rs. 500 to Rs. 4000 at all petrol pumps across the country
| - Get a fuel surcharge of 1% at all fuel stations across India on transactions in the range of Rs. 400 to Rs. 1000 per statement cycle.
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Insurance | - Get a free credit card fraud liability cover for Rs. 1 lakh
| - Get a credit liability cover of Rs. 9 lakhs.
- Revolving credit at a nominal interest rate.
- Air accident insurance cover worth Rs 2 crore
- Emergency overseas hospitalisation cover of Rs. 50 lakhs.
- Travel insurance cover of up to INR 55,000 on baggage delay (The upper limit is 10$ per hour restricted to 8 hours)
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