Welcome Benefits

Exclusive Memberships: Receive complimentary annual memberships to Swiggy One and Times Prime upon spending Rs. 75,000 within the first 90 days of card issuance. These benefits are activated within 48 hours of reaching the spend milestone.

Reward Points

Standard Rewards: Earn 4 Reward Points (RPs) for every Rs. 150 spent on retail purchases.

Accelerated Rewards: Gain up to 10x RPs on purchases made via the SmartBuy portal.

Dining Rewards: Enjoy 5x RPs on Swiggy and Zomato transactions, capped at 2,500 bonus points per month. Additionally, benefit from Buy One Get One (BOGO) offers on BookMyShow movie tickets for weekend shows.

Reward Redemption Options

Flexible Redemptions: Redeem your points on the SmartBuy portal for flight and hotel bookings at a rate of 1 RP = Rs. 0.5. Convert points to Air miles at a rate of 1 RP = 0.5 Air mile.

Cash Credit and Products: Redeem points for cash credit at a rate of 1 RP = Re. 0.20, or choose from a product catalog with a rate of 1 RP = Rs. 0.35. Note that redemptions for hotel and flight bookings are capped at 70% of the booking value.

Milestone Benefits

Quarterly Vouchers: Upon spending Rs. 1,50,000 or more in a calendar quarter, choose a Rs. 1,500 voucher from Marriott, O2 Spa, Lakme Salon, Barbeque Nation, or Decathlon. The voucher is issued within 48 hours of achieving the spend target.

Travel and Lounge Access

Complimentary Lounge Access: Get 8 complimentary lounge visits annually at over 1,000 lounges worldwide, including both domestic and international locations. The benefit is available for both primary and add-on cardholders, with eligibility based on spending Rs. 15,000 in the previous quarter.

Insurance and Safety Benefits

Comprehensive Insurance: Enjoy coverage up to Rs. 1 crore for accidental air death, Rs. 25 lakhs for medical emergencies abroad, Rs. 50,000 for delayed baggage, and Rs. 9 lakhs for credit liability.

Fuel Surcharge Waiver

Fuel Savings: Save with a 1% fuel surcharge waiver on transactions worth Rs. 400 or more, capped at Rs. 500 per calendar month.

Spend-Based Renewal Fee Waiver

Annual Fee Waiver: Waive the renewal fee of Rs. 2,500 by spending Rs. 3 lakhs or more in the previous anniversary year.

Foreign Markup Fee

Cost-Effective Foreign Transactions: Benefit from a lower foreign currency markup fee of 1.99%, significantly lower than the industry standard of 3.5%.