What's in it for me?
A clean view of the terms worth comparing.
Get 10X rewards on hotels and 5X on flights, plus additional rewards on weekend dining and shopping.
01
Rewards and useful benefits
Get 10X rewards on hotels and 5X on flights, plus additional rewards on weekend dining and shopping.
- 10X on hotel bookings via SmartBUY
- 5X on flight bookings via SmartBUY
- 2X on weekend dining
- 1X on shopping via SmartBUY
- 1X on other spends via SmartBUY
- 2X Rewards on Weekend Dining
- Complimentary golf games
- Exclusive Concierge services
- Unlimited lounge access
- Bonus reward points with spending thresholds
02
Fees and renewal
- Joining
- ₹10,000 + GST
- Annual
- ₹10,000 + GST
- Waiver
- Spend ₹8 lakh in 12 Months and get Renewal Fee waived for next renewal year.
03
Published eligibility
- Income
- > ₹2.5 lakh per month for salaried; > ₹30 lakh per annum for self-employed.
- Age
- 21 - 60 years for salaried; 21 - 65 years for self-employed.
- Employment
- Salaried or self-employed.
04
Four lines to check before you apply
- The joining fee, annual fee, GST and the exact annual-fee waiver rule.
- The reward value after redemption—not just the number of points earned.
- Monthly caps, excluded merchant categories and whether UPI transactions qualify.
- Your eligibility, the final application offer and the issuer’s current terms.