Key benefits
- Unlimited complimentary lounge access worldwide with Priority Pass, including guests
- 10X points on SmartBuy for flights, hotels and vouchers
- Complimentary Club Marriott membership and golf access
- Low 2% foreign currency markup
Fees and charges
| Joining fee | ₹12,500 + GST |
| Annual fee | ₹12,500 + GST |
| Fee waiver | Spend ₹10 lakh a year |
| Interest rate | 1.99% per month (23.88% p.a.) |
| Foreign markup | 2% |
| Reward value | Up to ₹1 per point via SmartBuy |
Eligibility
- Invitation-only for most applicants
- Net monthly income typically above ₹3 lakh
- Excellent credit history with an existing HDFC relationship
Who it suits
Unlimited worldwide lounge access and the best redemption rate available in India.
Watch out for
The fee is only justified above roughly ₹10 lakh of annual spending, and the card is largely invitation-only.
Fees and reward rates shown are indicative and set entirely by HDFC Bank. They change without notice — confirm the current terms on the issuer's own page before you apply.