Key benefits
- 5X reward points at Marks & Spencer, Myntra, Nykaa and Reliance Digital
- 12 complimentary domestic and 6 international lounge visits a year
- Complimentary Swiggy One and MMT Black membership on joining
- ₹1.5 lakh of air accident cover and travel insurance
Fees and charges
| Joining fee | ₹2,500 + GST |
| Annual fee | ₹2,500 + GST |
| Fee waiver | Spend ₹4 lakh a year |
| Interest rate | 3.6% per month (43.2% p.a.) |
| Foreign currency markup | 2% |
| Reward value | About ₹0.50 per point on catalogue redemption |
Eligibility
- Salaried with net monthly income above ₹1 lakh
- Self-employed with ITR above ₹12 lakh a year
- Credit score of 750 or above
Who it suits
Lounge access and travel benefits that comfortably repay the fee for anyone flying monthly.
Watch out for
Reward point value drops sharply outside the travel catalogue.
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.