Eligible spend
5 points per ₹150 on eligible spend
Should you get this?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 2%.
- Up to 25 pts / ₹150 on Amazon through HDFC SmartBuy
Trade-off
The annual fee (₹12,500) is waived only when eligible annual spend reaches ₹10,00,000.
Annual fee ₹12,500 per year
Rewards 5 pts / ₹150
Lounge access ∞ unlimited domestic + international
Forex markup 2% low
Compare with Axis Bank Burgundy Private →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend5 pts / ₹150Credited as reward pointsDoes not earn on —
- fuel
Amazon (domestic)25 pts / ₹150Credited as reward points · through 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend
Redemption value
What a Reward Point is worth
- Travelvia SmartBuy₹1 / pt
max 1,50,000 pts / month
- SmartBuy Applevia SmartBuy → Apple₹1 / pt
max 1 product / quarter
- SmartBuy Tanishqvia SmartBuy → Tanishq₹1 / pt
max 50,000 pts / quarter
- Catalogueup tovia SmartBuy₹0.5 / pt
- Cash redemption valueup to₹0.30 per Reward Point
max 50,000 pts / month
Transfers
Air miles: 1 mile per point up to
Points are nullified after 365 days of card non-use.
How to avoid the annual fee
Spend threshold for waiver ₹10L or more yearly eligible spend to waive the annual fee
Above ₹10L eligible annual spend waives the fee
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹1 per point
Travel
Ranking floor
₹0.3 per point
(conservative floor)
₹1 per point (best documented)
Best verified lane
Amazon (domestic)
25 pts / ₹150
View bonus categories →Caps
- Amazon (domestic)15,000 points per month
Why?
at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend
No reward on
- Fuel
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Supplementary applicant
- Minimum age
- 15 years or older
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹10,00,000yearAnnual fee waiver
Watch outs
Before choosing this card- Annual fee is ₹12,500, so value depends on actual usage.
- Fee waiver requires spend above ₹10,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (5 pts / ₹150). Up to ~1,670 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹500 at the conservative redemption floor
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026 Unlimited complimentary Domestic airport lounge access
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- HDFC official page
- CardInsider
- PaisaBazaar
- CardExpert
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Unlimited Requires Priority Pass card · Unlimited complimentary International airport lounge access
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- HDFC official page
- CardInsider
- PaisaBazaar
- CardExpert
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Base earn
- 5 points per ₹150 · verified 18 Jul 2026 value depends on redemption
- Effective return (honest floor)
- ~1% base at the cash-redemption floor; up to ~3.333% through documented travel redemption Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹1.00 per Reward Point (Travel) Issuer headline channel — full channel grid in Redemption value.
- Point validity
- Points expire 3 years after earning · verified 7 Jul 2026
Insurance Cover
- Air accident cover
- ₹3 crore
- Emergency medical cover
- ₹50 lakh
Fees & charges
Fees
- Monthly interest rate
- 1.99% / month
- First-year cost
- ₹12,500 · verified 4 Sept 2026
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500 · verified 4 Sept 2026
- Fee waiver spend
- ₹10,00,000 or more · verified 4 Sept 2026 Annual fee waived on eligible anniversary-year spend of ₹10,00,000 or more.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 2%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- HDFC official page
- CardInsider
- BankBazaar
- CardExpert
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions of ₹400+.
- Maximum waiver ₹1,000 per month.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Amazon cap: 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend.
Exclusions
These spends do not earn reward points.
Financial
- Fuel
Latest update
- First-year cost: ₹12,500.
- Annual fee: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge + Unlimited international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies on eligible annual spend of ₹10,00,000 or more. Verify eligible spend exclusions before counting on it.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - HDFC SmartBuy
Accelerators, caps, and traps - Point transfers
When transferring beats redeeming