"India's most aspirational super-premium credit card โ unlimited lounge access, 3.33% reward rate, golf and ITC hotel benefits"
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Quick Summary
๐ณ Joining Fee
โน12,500 + GST
๐ Renewal Fee
โน12,500 + GST
Waived: Waived on annual spends of โน10 lakh or more in the preceding 12 billing cycles
๐ฏ Best Suited For
HNI individuals, CEOs, senior executives who spend โน10 lakh+ annually; frequent international travellers; golf enthusiasts; those who value unlimited lounge access globally
๐ Reward Type
Reward Points (1 RP = โน1 on SmartBuy flights/hotels and Apple/Tanishq; 1 RP = 1 Airmile; 1 RP = โน0.50 on vouchers/products; 1 RP = โน0.30 cashback)
๐ Welcome Benefit
12,500 Reward Points (worth โน12,500 on SmartBuy) + complimentary Club Marriott membership (first year) on fee realisation and card activation
๐ฐ Reward Rate
5 Reward Points per โน150 spent on all eligible retail transactions (effective rate 3.33%); up to 10X Reward Points on SmartBuy portal for flights, hotels, and shopping (effective rate up to 33%); points valid for 3 years
โ๏ธ Lounge Access
Unlimited complimentary domestic lounge access in India for primary and add-on cardholders; unlimited international lounge access via Priority Pass at 1,000+ lounges globally for primary and add-on cardholders โ no quarterly spend requirement
Best reward rate among super-premium cards in India (3.33% base, up to 33% on SmartBuy)
Unlimited domestic and international lounge access โ no spend conditions
Priority Pass extended to add-on cardholders
Lowest interest rate at 1.99%/month among premium cards
Complimentary Club Marriott + ITC hotel benefits
Unlimited golf at 100+ international courses
Welcome points worth โน12,500 offset the joining fee
โ Cons
Invite-only โ cannot apply directly
High joining and annual fee of โน12,500
From April 2026: requires โน18L annual spend or โน50L relationship value for retention
Redemption caps limit high spenders
SmartBuy rewards only up to 70% of booking value (30% must be paid by card)
Not suitable for cashback seekers (โน0.30 per RP for cashback)
๐ Rewards & Benefits
Reward Type
Reward Points (1 RP = โน1 on SmartBuy flights/hotels and Apple/Tanishq; 1 RP = 1 Airmile; 1 RP = โน0.50 on vouchers/products; 1 RP = โน0.30 cashback)
Welcome Benefits
12,500 Reward Points (worth โน12,500 on SmartBuy) + complimentary Club Marriott membership (first year) on fee realisation and card activation
Reward Rate
5 Reward Points per โน150 spent on all eligible retail transactions (effective rate 3.33%); up to 10X Reward Points on SmartBuy portal for flights, hotels, and shopping (effective rate up to 33%); points valid for 3 years
Reward Redemption
SmartBuy portal: flights and hotels at 1 RP = โน1 (redeem up to 70% of booking value); Apple and Tanishq products at 1 RP = โน1 (up to 70%); Airmiles via NetBanking at 1 RP = 1 Airmile; products/vouchers at 1 RP = โน0.50; statement credit at 1 RP = โน0.30. Monthly cap: 2 lakh RPs per statement cycle; 1.5 lakh for flights/hotels/airmiles; 50,000 for cashback. Redemption fee: โน99 + GST.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between โน400 and โน1,00,000; maximum waiver โน1,000 per statement cycle
Lounge Access
Unlimited complimentary domestic lounge access in India for primary and add-on cardholders; unlimited international lounge access via Priority Pass at 1,000+ lounges globally for primary and add-on cardholders โ no quarterly spend requirement
Spend Based Fee Waiver
Renewal fee waived on spending โน10 lakh or more in the preceding 12 billing cycles
Milestone Benefits
Renewal: 12,500 Reward Points on renewal fee realisation each year; Annual fee waiver on โน10L annual spend. From April 2026: continued Infinia access requires either โน18L annual spend or โน50L relationship value (savings/FD/current accounts with HDFC).
Other Benefits
ITC Hotel Benefits: 1+1 complimentary night stay + 1+1 complimentary buffet at participating ITC hotels; Club Marriott membership (complimentary first year, 20% off dining/stays across Asia-Pacific); unlimited golf rounds and coaching at 20+ Indian courses and 100+ international courses; 24x7 concierge services; airport VIP meet-and-greet; 10% off dining at 35,000+ restaurants via Swiggy Dineout
โจ Special Perks & Exclusive Offers
Memberships
Club Marriott (complimentary first year); Priority Pass (unlimited access)
Insurance Cover
Accidental air death cover โน3 crore; emergency medical expenses overseas up to โน50 lakh; credit liability cover up to โน9 lakh; zero lost card liability
Add-on Cards
Add-on Priority Pass memberships for family members; unlimited lounge access extended to add-on cardholders
Up to 10X rewards on SmartBuy; 10% off dining via Swiggy Dineout; Visa Infinite benefits; DCC markup waiver on select transactions
๐ณ Fees & Interest Rates
Joining Fee
โน12,500 + GST
Annual Fee / Renewal Fee
โน12,500 + GST โ Waived on: Waived on annual spends of โน10 lakh or more 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 super-premium cards
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
โน100 (due up to โน500); โน500 (โน501โโน5,000); โน750 (โน5,001โโน10,000); โน950 (โน10,001โโน25,000); โน1,100 (โน25,001โโน50,000); โน1,300 (above โน50,000)
Over Limit Charges
2.5% of overlimit amount, minimum โน550
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
2% on all international transactions
Other Charges
Reissue fee for lost/damaged card: โน100; Reward redemption fee: โน99 + GST; Rent payment fee: 1% + GST; DCC markup (from May 2026): 1.75% on INR transactions at international merchants
๐ Eligibility & Credit Limit
Eligibility Criteria
Invite-only โ not available for direct application. Extended to select HDFC Bank customers by invitation. Typically requires: net monthly income โน3 lakh+; strong banking relationship with HDFC; existing HDFC credit card limit of โน10L+; โน7.5Lโโน9L spends in last 6 months. From April 2026: retention requires โน18L annual spend OR โน50L relationship value.
Credit Score Requirement
800+ CIBIL score typically required; invite-only so bank determines eligibility
Credit Limit
High credit limit; typically โน8โ20 lakh and above based on relationship value
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Smart EMI available on transactions above โน2,500; flexible tenures 3โ24 months
Balance Transfer Facility
Available on request; transfer 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 Bank app for secure online transactions
Zero Liability Protection
Zero liability on fraudulent transactions after reporting
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