What you get
- Includes unlimited domestic and international lounge access for primary and add-on cardholders, plus Rs 5,000 vouchers at each Rs 5L milestone.
- Earn 25 RP per Rs 150 on eligible income tax, GST and business spends after Rs 50,000 spend in the statement cycle, subject to the 5X cap and payment-route terms.
Worth knowing
- Base
- 5 RP per Rs 150 on eligible retail spends
- 5X
- 25 RP per Rs 150 on eligible business and tax categories after Rs 50K spend per cycle
- Lounge
- Unlimited domestic + international access
- Cap
- 7,500 bonus RP per statement cycle
SmartBuy’s transfer screen requires cardholder verification. Accor 2:1 is confirmed by Accor’s official HDFC terms; other current card-specific ratios require the live account screen.
