Intro Offer
Annual Fees
₹1K + GST
Joining Fees
₹1K + GST
Reward Rate
2.67% 26.67%
Rating
4
| Category | Type | Qualifying Spend | Rate | RP Capping | Spend Capping | Conditions |
|---|---|---|---|---|---|---|
| offline | base | Retail Spends | 2.67% | |||
| dining | accelerated | Swiggy and Zomato Spends | 13.33% | Max. 2.5K / month | ||
| shopping | accelerated | Spends Via Smartbuy | 26.67% | |||
| insurance | base | Insurance transactions | 2.67% | Max. 2K / day | ||
| utilities | base | Utility transactions | 2.67% | Max. 2K / day | ||
| telecom | base | Telecom transactions | 2.67% | Max. 2K / day | ||
| groceries | base | Grocery transaction | 2.67% | Max. 2K / month | ||
| education | base | Direct Education payments | 2.67% | |||
| General Reward Points Capping: Max. 50K / statement cycle. The maximum reward points that can be earned in a statement cycle is capped at 50,000 Reward Points. | ||||||
| Airline Partner | Redemption Rate | Multiplier | |
|---|---|---|---|
| HDFC Bank SmartBuy | 1 Reward Points = 0.5 Flight Booking Value points | x0.50 |
| Airline Partner | Redemption Rate | Multiplier | |
|---|---|---|---|
| HDFC Bank SmartBuy | 1 Reward Points = 0.5 Hotel Booking Value points | x0.50 |
| Partner Brand | Redemption Rate | Multiplier | |
|---|---|---|---|
| HDFC Bank Diners Club Privilege Exclusive Catalogue | 1 Reward Points = ₹0.35 voucher | x0.35 | |
| Select Restaurants via SmartBuy Dining Catalogue | 1 Reward Points = ₹0.5 voucher | x0.50 |
Get x0.2 conversion value on redeeming 1 Reward Points for ₹0.2 statement balance
2.67% rewards
13.33% rewards
26.67% rewards
2.67% rewards
2.67% rewards
2.67% rewards
2.67% rewards
2.67% rewards
Accelerated Rewards on Dining
Earn 5X Reward Points (20 Reward Points per Rs. 150 spent) on Swiggy and Zomato, with bonus Reward Points capped at 2,500 per calendar month.
Complimentary Airport Lounge Access
Receive 2 complimentary airport lounge accesses per calendar quarter worldwide, applicable for both primary and add-on cardholders (total 8 annually).
Quarterly Milestone Benefits
Get a Rs. 1,500 voucher from participating brands like Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon on achieving spends of Rs. 1.5 lakh in a calendar quarter.
Weekend Movie Ticket Offer
Avail a 'Buy 1 Get 1 Free' offer on movie or non-movie tickets via BookMyShow for weekend shows (Friday, Saturday, Sunday), with a maximum discount of Rs. 250 per ticket, up to 2 free tickets per month.
Decent Base Reward Rate
Earn 4 Reward Points for every Rs. 150 spent on retail transactions, providing a consistent reward earning rate on general spends.
High Spend Requirement for Welcome Benefits
Complimentary Swiggy One and Times Prime memberships require spending Rs. 75,000 within the first 90 days of card issuance, which may be a high threshold for some users.
Foreign Currency Markup Fee
A 3.5% foreign currency markup fee is applied to all international transactions, making it potentially costly for frequent overseas spenders.
Low Cashback Redemption Value
The value of reward points when redeemed for cashback is relatively low (1 Reward Point = Rs. 0.20) compared to other redemption options like travel or vouchers.
Movie Offer Limited to Weekends
The 'Buy One Get One Free' movie ticket offer through BookMyShow is restricted to shows on Fridays, Saturdays, and Sundays only.
Capped Rewards on Specific Categories
Reward points earned on insurance, utility, and telecom transactions are capped at 2,000 points per day per category, and grocery transactions are capped at 2,000 points per month.
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