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Joining fee
₹12,500
Annual fee
₹12,500
Waived on ₹10,00,000/yr spend
Forex mark-up
2%
+ 18% GST on the mark-up
Why people pick it
- ✓5 points per ₹150 = 3.33% at ₹1/point on flights/hotels or 1:1 airline transfers
- ✓Up to 10X points on SmartBuy
- ✓Unlimited airport lounge access worldwide
Watch out for
- !Invite-only — usually offered to high-value HDFC customers
- !Points value drops if redeemed for cash
Rewards
| Everything else (base rate) | 3.33% | no cap |
No rewards on: Fuel, Rent, Education fees, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- Unlimited
- International lounge
- Unlimited
Unlimited for primary & add-on card holders
Eligibility
- Salaried
- ₹3,00,000/month
- Self-employed
- ₹36,00,000/yr ITR
- Age
- 21–60 years
- First-time applicants
- Harder
Mostly invite-only.
Income figures are indicative; banks decide case by case.
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