Base reward rate: 5 reward points for every ₹150 spent (equivalent to 3.33 points per ₹100)
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 12500
Annual fee: 30000
Pros
Excellent base reward rate of 3.33% (5 points per ₹150) on most spends, which is significantly higher than the ~1-2% offered by other premium cards.
Exceptional accelerated rewards of up to 10x (a 33.3% return) on select brands and 2x on flights/hotels booked via the HDFC Smartbuy portal.
Comprehensive, unlimited airport lounge access for both primary cardholder and guests, covering over 1,000 lounges domestically and internationally via Priority Pass.
The joining fee of ₹12,500 is effectively neutralized by the welcome bonus of 12,500 reward points, which can be redeemed for equivalent value.
Superior travel and lifestyle benefits including a low 1.75% forex markup, unlimited complimentary golf games, and a first-year Club Marriott membership.
Robust insurance package featuring a ₹30 Crore air accident cover and up to ₹50 lakh for overseas medical emergencies.
Complimentary guest lounge access included
Cons
High annual fee
Strict eligibility criteria
New retention criteria introduced
SmartBuy Gyftr voucher redemption capped at 3,000 pts/month
Reward point redemption against statement balance now capped/monthly limited
Reward point redemption against statement balance is now capped/monthly limited
DCC fee introduced/revised to 1.75% on international INR transactions
Best Use Case
High-net-worth individuals and frequent travelers seeking unparalleled luxury benefits, high reward rates on premium spends, and extensive travel privileges.