Fees
Annual feeINR 12,500 + GST
Joining feeINR 12,500 + GST
Renewal feeINR 12,500 + GST
Fee waiverSpend INR 10,00,000 in 12 months
Spend waiverSpend INR 10,00,000 in 12 months
Interest rate1.99%
Late paymentINR 100-INR 1,300 (based on amount due)
Forex markup2%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 3,00,000+
Min income (self-emp.)Income Tax Return (ITR) > INR 36 lakh/year
Credit scoreExcellent (800 or above (CIBIL))
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate10X on SmartBuy Hotels & Flights | 5X on dining
Cashback capRedemptions (WEF Feb-2026): max 5/month; 50,000 RP/month against statement; ₹2,00,000/cycle total cap. SmartBuy accelerated: overall 15,000 RP/month cap; brand vouchers (GyFTR/Woohoo) sub-capped at 3,000 RP/month inside overall cap (eff. Jul 1, 2026) — SmartBuy flights (5X) and hotels (10X) unaffected. Apple redemption: 1/quarter. Tanishq: 50,000 RP/quarter.
Redemption optionsFlights & Hotels | Air Miles / Airline Conversion | Gift Vouchers | Merchandise | Bank's own online redemption store
Points expiryNo Expiry
Travel & lounge
Domestic loungeUnlimited complimentary domestic lounge access (primary + add-on); direct bank contract with lounge operators
International loungeUnlimited (Self only) via Priority Pass
Lounge conditionsNo spend condition required
Insurance coverageYes
Hotel/flight offersUp to 20% on partner hotels via SmartBuy
ConciergeYes - 24x7 dedicated concierge
Forex waiver2.0% - 3.0%
Lifestyle
Dining discountsUp to 20% via Dineout | Complimentary Swiggy One membership
Fuel surcharge1% on INR 400-INR 5,000, max INR 500/month
OTT subscriptionsYes - Complimentary annual memberships on milestone
E-commerce offersYes - SmartBuy portal with 10X points
AdditionalRetention criteria (eval period Apr 2026–Mar 2027): must meet at least one — ₹18 lakh annual card spend OR ₹50 lakh relationship value (savings + current + term deposits + RD with HDFC Bank); non-compliant holders downgraded or removed from Infinia portfolio in 2027. Zero forex markup. Complimentary Taj Epicure / ITC Culinaire / SeleQtions / Eros Hotel memberships. 24×7 concierge.
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 20 lakh+ (No fixed cap)
Cash withdrawal40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 10,000+
Balance transferYes
BT interest rateAs per offer
Insurance & protection
Purchase protectionYes
Lost card liabilityYes - zero liability on timely reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts | Card Lock/Unlock | Set/Modify Limits | View Statements & Due Dates | Convert to Equated Monthly Instalment (EMI) | Rewards Tracking & Redemption | Autopay Setup | Spend Analyzer
Card controlsBlock/Unblock Card | Enable/Disable International Usage | Enable/Disable Online Transactions | Set Transaction Limits | Automated Teller Machine (ATM) Withdrawal Toggle | Control Add-on Card Settings
Fraud protectionReal-time Transaction Alerts | AI-Based Risk Monitoring | OTP for Online Transactions | Tokenization (RBI Mandated) | Spending Pattern Detection
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes