For high spenders who maximise premium travel, lounges and lifestyle perks — and can justify the fee.
no major caveats we’re tracking.
| category | rate | cap/mo |
|---|---|---|
| base · everything else | 3.33 / ₹100 | — |
| Flights & Hotels | 33.3% | ₹ 15,000 |
Beyond the base 3.33 / ₹100, this card unlocks higher value through bank portals and partner offers:
capped ~₹ 15,000 reward/mo
Book via HDFC SmartBuy; ~15,000 RP/mo cap on the 10X bonus.
24*7 concierge services
Unlimited Golf Courses and Games Across the Country
Complimentary Priority Pass Membership
Unlimited Free Domestic Airport Lounge Access
Unlimited Complimentary International Lounge Access for Primary and Add-On Cardholders Across the Globe with a Priority Pass
Insurance cover worth Rs. 3 crores against accidental air death, a cover worth Rs. 50 lakh against medical emergencies during international air travel, and credit shield cover worth Rs. 9 lakh
1% Fuel Surcharge Waiver (Up to ₹1,000 Each Statement Cycle)
12,500 Bonus Reward Points and Complimentary Club Marriott Membership
1 + 1 Complimentary Buffet at ITC Hotels
run your spend profileto see this card's value for you.