"Closest to HDFC Infinia โ 3.33% base rewards on all spends, unlimited global lounge access for primary and add-on, 10X on SmartBuy"
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Quick Summary
๐ณ Joining Fee
โน10,000 + GST
๐ Renewal Fee
โน10,000 + GST
Waived: Annual fee waived on spending โน8 lakh in the preceding 12 billing cycles
๐ฏ Best Suited For
High-income professionals spending โน1 lakh+ per month who want unlimited global lounge access (primary and add-on), SmartBuy 10X rewards, and luxury memberships without the invite barrier of Infinia
๐ Reward Type
Reward Points (1 RP = โน1 for flights/hotels on SmartBuy; 1 RP = 1 Airmile)
๐ Welcome Benefit
Complimentary annual memberships on โน1.5L spend within 90 days: Club Marriott, Amazon Prime, Forbes, MMT Black, Swiggy One, Times Prime. Monthly โน500 voucher (Ola/BookMyShow/TataCliQ/cult.fit) on โน80,000 monthly spend.
๐ฐ Reward Rate
5 RPs per โน150 on all eligible retail spends (3.33% base rate); up to 10X on SmartBuy (10X hotel bookings, IGP, PharmEasy; 5X flights, Myntra, Nykaa, MMT Holidays; 3X train bookings, vouchers; 2X Flipkart); RPs valid 3 years
โ๏ธ Lounge Access
Unlimited domestic and international lounge access at 1,300+ lounges worldwide for primary AND add-on cardholders โ no quarterly spend condition. Diners Club network. Carry Visa/Mastercard backup for airports where Diners Club is less accepted.
๐ฑ Forex Markup
2% on international transactions; enrol in Global Value Program for additional 1% cashback on eligible international spends
Quarterly 10,000 bonus RPs milestone (โน10,000 value on SmartBuy)
Low interest rate 1.99%/month
โ Cons
Diners Club less accepted globally โ carry backup card
High annual fee โน10,000
Verify December 2025 lounge access changes on HDFC website
Redemption capped at 50 to 70% of booking value on SmartBuy
High income requirement
๐ Rewards & Benefits
Reward Type
Reward Points (1 RP = โน1 for flights/hotels on SmartBuy; 1 RP = 1 Airmile)
Welcome Benefits
Complimentary annual memberships on โน1.5L spend within 90 days: Club Marriott, Amazon Prime, Forbes, MMT Black, Swiggy One, Times Prime. Monthly โน500 voucher (Ola/BookMyShow/TataCliQ/cult.fit) on โน80,000 monthly spend.
Reward Rate
5 RPs per โน150 on all eligible retail spends (3.33% base rate); up to 10X on SmartBuy (10X hotel bookings, IGP, PharmEasy; 5X flights, Myntra, Nykaa, MMT Holidays; 3X train bookings, vouchers; 2X Flipkart); RPs valid 3 years
Reward Redemption
SmartBuy portal: flights and hotels at 1 RP = โน1 (up to 70% of booking value); Airmiles at 1:1; vouchers at 1 RP = โน0.50; statement credit at 1 RP = โน0.30; redemption fee โน99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions above โน400; maximum โน1,000 per statement cycle
Lounge Access
Unlimited domestic and international lounge access at 1,300+ lounges worldwide for primary AND add-on cardholders โ no quarterly spend condition. Diners Club network. Carry Visa/Mastercard backup for airports where Diners Club is less accepted.
Spend Based Fee Waiver
Annual fee waived on โน8 lakh annual spend
Milestone Benefits
10,000 bonus RPs (worth โน10,000 on SmartBuy) on โน4 lakh spend per calendar quarter; monthly โน500 voucher on โน80,000 spend; annual fee waiver on โน8L spend
Other Benefits
6 complimentary golf games per quarter at 15+ India courses and 100+ international courses; 25% off at 35,000+ restaurants via Swiggy Dineout; 2X RPs on weekend dining at partner restaurants; air accident cover โน2 crore; emergency overseas hospitalisation โน50 lakh; credit liability cover โน9 lakh; baggage delay cover โน55,000; 24x7 concierge
โจ Special Perks & Exclusive Offers
Memberships
Club Marriott, Amazon Prime, Forbes, MMT Black, Swiggy One, Times Prime (on โน1.5L spend in 90 days)
Insurance Cover
Air accident death cover โน2 crore; emergency overseas hospitalisation โน50 lakh; credit liability cover โน9 lakh; baggage delay โน55,000; zero lost card liability
Add-on Cards
Add-on cardholders get full unlimited lounge access โ rare premium feature vs most cards
Concierge Services
24x7 dedicated concierge: 1800 118 887 (toll-free) or 022-42320226
Special Offers
Monthly โน500 voucher on โน80K spend; SmartBuy 10X on hotels; Swiggy Dineout 25% off; 6 golf rounds per quarter
๐ณ Fees & Interest Rates
Joining Fee
โน10,000 + GST
Annual Fee / Renewal Fee
โน10,000 + GST โ Waived on: Annual fee waived on spending โน8 lakh in the preceding 12 billing cycles
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
1.99% per month (23.88% per annum) โ among the lowest for premium cards
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
โน100 to โน1,300 based on outstanding amount slab
Over Limit Charges
2.5% of overlimit amount, minimum โน550
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
2% on international transactions; enrol in Global Value Program for additional 1% cashback on eligible international spends
Other Charges
Diners Club network less accepted globally than Visa/Mastercard โ carry backup. Verify current lounge access terms on HDFC website as December 2025 changes may apply.
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21โ60 years (salaried) or 21โ65 years (self-employed); net monthly salary โน2.5 lakh or annual income โน30 lakh (self-employed); CIBIL 750+
Credit Score Requirement
750+ CIBIL recommended (800+ for self-employed)
Credit Limit
Typically โน5 to โน20 lakh based on income and HDFC relationship
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Smart EMI on transactions above โน2,500; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via HDFC MyCards app, NetBanking, or helpline
Instant Fraud Alerts
SMS and email alerts for every transaction; 24x7 fraud monitoring
Purchase Protection
Zero liability on unauthorized transactions after immediate reporting
Virtual Card Numbers
Virtual card via HDFC MyCards app
Zero Liability Protection
Zero liability on fraudulent transactions after immediate reporting
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