Fees
Annual feeINR 10,000 + GST (waived on INR 7,50,000 annual spend)
Joining feeINR 10,000 + GST (waived on INR 1,50,000 spend within 90 days of card issuance)
Renewal feeINR 10,000 + GST (waived on INR 7,50,000 spend in card anniversary year)
Fee waiverAnnual spend of INR 7,50,000 in card anniversary year (12 billing cycles)
Spend waiverINR 1,50,000 within 90 days (joining fee); INR 7,50,000 in anniversary year (renewal fee)
Interest rate1.99% per month (23.88% per annum)
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup2% + GST on international transactions
Cash advance2.5% of amount withdrawn or INR 500 (whichever is higher)
Eligibility
Min income (salaried)N/A - Business card
Min income (self-emp.)Annual ITR above INR 21 lakh; self-employed Indian citizen only
Income requirementAnnual ITR above INR 21 lakh (some sources: INR 30 lakh for fresh applications)
Credit score750+ (CIBIL)
Age range21-65 years
Employment typeSelf-employed
Resident typeIndian Resident
Rewards & cashback
Accelerated rate5X (25 RP per INR 150) on Income Tax/Advance Tax, PayZapp bill payments, MMT MyBiz hotel/flight bookings, SmartBuy BizDeals — min INR 50,000/month; bonus RP capped at 7,500/cycle. 10X (50 RP per INR 150) on Flipkart, MakeMyTrip, Apple via SmartBuy; capped at 1,50,000 RP/month
Redemption optionsFlights & Hotels | Gift Vouchers | Merchandise | Cashback via SmartBuy or NetBanking
Points expiry3 years. Maximum 5 redemptions per calendar month (from Feb 2026). Minimum 2,500 RP required.
Welcome bonusClub Marriott Annual Membership + Taj Stay Vouchers worth INR 5,000 on INR 1,50,000 spend within first 90 days. Taj Stay Vouchers on INR 5,00,000 milestone spend.
Bonus categoriesIncome Tax, Advance Tax, GST; PayZapp bill payments; MMT MyBiz hotel/flight bookings; SmartBuy BizDeals; Flipkart, MakeMyTrip, Apple Imagine Tresor via SmartBuy
Travel & lounge
Domestic loungeUnlimited complimentary domestic airport lounge access; no spend condition
International loungeUnlimited complimentary international lounge access via Diners Club network
Lounge conditionsNo spend condition for lounge access
Travel insuranceAir accident cover (overseas); complimentary overseas travel insurance
Insurance coverageAir Accident Cover | Overseas Travel Insurance
Concierge24/7 Golf Concierge Assistance (1800 118 887 / 022-42320226); general concierge
Lifestyle
Dining benefitsPartner restaurant discounts via HDFC SmartBuy and Wellness benefits
Dining discountsSpa, salon and gym discounts at partner Wellness outlets
Fuel surchargeFuel surcharge waiver not offered on this card
Complimentary6 free golf rounds per quarter (24/year) at 15+ Indian and 100+ global courses with 100% green fee waiver at Indian courses; Club Marriott Annual Membership (welcome benefit); 24/7 Golf Concierge Assistance
AdditionalBusiness-only card — not available on Paisabazaar or standard aggregators. Grocery RP capped at 2,000/month. Insurance transaction RP capped at 5,000/day. First-year fee waived on INR 1.5L spend in 90 days; assessed at 120 days if target missed.
Digital & security
Contactlesstrue
Virtual cardtrue
Zero liabilityZero liability on timely fraud reporting
WhatsApp supporttrue