Issued by HDFC Bank
· Terms last verified 22 Oct 2026
Fees
Joining fee
Joining membership fee.
Complimentary Swiggy One membership on spends of INR 100,000 in the first 90 days.
Complimentary MMT Black Gold membership on spends of INR 100,000 in the first 90 days.
Renewal fee
Renewal membership fee, waived on annual spend of INR 400,000.
Waived when yearly spend is at least ₹4,00,000.
Travel
Spend
Rate
Cap
SmartBuy — Flights, SmartBuy — Bus
5X Reward Points
Up to 4,000 Reward Points per month
SmartBuy — Hotels, Adani One Duty Free
10X Reward Points
Up to 4,000 Reward Points per month
SmartBuy — Trains
3X Reward Points
No stated cap
Shopping
Spend
Rate
Cap
Grocery
5 Reward Points per ₹200
No stated cap
Myntra — Online spends, Nykaa, Reliance Digital, Marks & Spencers
5X Reward Points — Transaction amount is at least ₹150.
Up to 5,000 Reward Points per month
SmartBuy — Voucher/Gift Card
5X Reward Points
No stated cap
Apple Imagine Tresor, MakeMyTrip Holiday Packages
5X Reward Points
Up to 4,000 Reward Points per month
Jockey, PharmEasy
10X Reward Points
Up to 4,000 Reward Points per month
Bills & Utilities
Spend
Rate
Cap
Insurance
5 Reward Points per ₹200
No stated cap
All other spends
Spend
Rate
Cap
All other spends
5 Reward Points per ₹200
No stated cap
Earns no rewards on
Fuel, Wallet load, Rent, Government/Tax Spend
Redeeming rewards
Rewards catalogue — ₹0.65 each
Flight and hotel bookings — ₹0.50 each
Products and vouchers — ₹0.35 each
Statement credit — ₹0.15 each
Airline and hotel transfers — ₹0.40 each
Benefits
Dining
Up to 10% discount on partner restaurants via Swiggy Dineout on paying with the card.
Movies
Boarding Edge Program offers complimentary spa, buffet, hotel room upgrade, and airport transfer, capped at any 2 benefits per calendar quarter on uploading boarding pass on SmartBuy.
Forex Markup
2% foreign currency markup on all foreign currency spends.
Airport Lounge
3 lounge visits within India per calendar quarter on spends of INR 60,000 or more in the preceding calendar quarter using the card.
Welcome Benefit
Complimentary Swiggy One membership on spends of INR 100,000 in the first 90 days.
Travel Insurance
Accidental air death cover worth INR 1 crore, emergency overseas hospitalization up to INR 15 lakh, and credit liability cover up to INR 9 lakh.
Milestone Benefits
Quarterly and annual spend-based voucher milestones are available on the card.
Priority Pass Membership
Priority Pass program access for overseas lounge access; 6 complimentary lounge accesses per calendar year outside India.
Zero Lost Card Liability
Zero lost card liability on reporting card loss immediately to the 24-hour call centre.
Eligibility
Salaried Indian applicants employed in government with age 21 to 60 years and net monthly income above INR 100,000.
Employment: Salaried
Country Of Residence: India
Age Years: 21 to 60
Monthly income: More than ₹1,00,000
Salaried Indian applicants employed outside government with age 21 to 60 years and net monthly income above INR 150,000.
Employment: Salaried
Country Of Residence: India
Age Years: 21 to 60
Monthly income: More than ₹1,50,000
None
Employment: Self Employed
Country Of Residence: India
Age Years: 21 to 65
Annual Gross Income: More than ₹18,00,000
Sources
Everything above is extracted from the following issuer documents. Where a figure here and
the issuer's page disagree, the issuer's page is authoritative.