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1 EDGE Mile = 2 Partner Miles / Hotel Points (1:2 transfer ratio across 12+ airline & hotel partners)

5 EDGE Miles per ₹100 spent on flight & hotel bookings

Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)

4 reward points per ₹100 on flights, travel aggregators and foreign currency

0.99% forex markup, among the lowest available on any Indian credit card

1:1 point transfer to a wide range of global airline and hotel partners

5 reward points per ₹200 retail (revised May 2026)

12X points on partner airlines & travel via HDFC SmartBuy

Unlimited complimentary domestic & international airport lounge access

25,000 EDGE Miles welcome bonus

0.99% forex markup, among the lowest available

16 complimentary international airport lounge visits/year via Priority Pass

Unlimited complimentary airport lounge visits worldwide (primary + add-on)

Up to 10X reward points via HDFC SmartBuy platform

100% Lifetime Free travel credit card with zero joining and annual fees

Absolute 0% foreign exchange transaction markup fee on international expenditures

Domestic lounge access conditional on ₹1.5 lakh spend in the preceding quarter (1 visit unlocked per quarter, effective Apr 2026); international capped at 1 visit/quarter via Priority Pass

Dedicated personal butler service & 24x7 Pinnacle concierge

Complimentary MakeMyTrip BLACK membership, with exclusive travel discounts

5 reward points per ₹100 on travel bookings

Unlimited complimentary domestic and international airport lounge access, including a generous guest allowance

6 Reward Points per ₹200 spent (3% base rate) on all standard categories

Points transfer at 5:4 to 20+ airline and hotel partners (5:2 for Lotusmiles, Finnair Plus & British Airways Club)

Unlimited complimentary domestic and international lounge access for primary and add-on cardholders, plus guests

Instant discount and rewards on travel bookings at EaseMyTrip

No minimum booking value condition on flight and hotel discounts

Lifetime free, with zero joining or renewal fees

Direct discounts on flight, hotel and bus bookings made through Ixigo

No joining fee

Same IndiGo flight reward rates as the unsecured version of this card

10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles

Zero forex markup on international transactions

Choice of a substantial welcome bonus: EDGE Miles or an ITC Hotels e-gift card

Airport meet-and-assist and luxury vehicle transfer services included

Unlimited complimentary domestic airport lounge access

15 reward points per ₹100 on dining, travel and international spends

Unmatched 33.33% value-back yield on travel bookings via Travel & Shop

True 1:1 reward currency parity redemption ratio against flights and hotels

36 reward points per ₹200 on online spends, one of the higher online earn rates available

1% forex markup, among the lowest available

Up to 21 BluChips per ₹100 spent on IndiGo bookings

Up to ₹16,000 in BluChip vouchers annually, tied to spend milestones

Welcome gift voucher entirely offsets the upfront first-year joining fee barrier

Strong 10X reward points multiplier across major daily spending verticals (dining, groceries, movies, and departmental stores)

0% forex markup on international spends

Unlimited complimentary airport lounge access worldwide

Up to 16.7% value-back on hotel bookings and strong value on flights, both via the IDFC FIRST app

0% forex markup on international spends

2X reward points on weekend spending

Lifetime free, with no joining or annual fee

Lifetime free, with no onboarding or annual fee

10X reward points on dining, travel and international spends

6 Etihad Guest Miles per ₹100 on direct etihad.com bookings

12 domestic + 8 international lounge visits per year

Premium metal card design offering high status value

Zero foreign exchange markup fee applied on international spends

Up to 10X reward points on eligible spends above ₹20,000/month

Zero forex markup since 18 September 2026

Up to 7% back in IndiGo BluChips

Up to 20,000 bonus rewards on activation

Up to 10% value-back on IRCTC train ticket bookings, plus a 1% transaction charge waiver

Lifetime free, with no ongoing annual fee

1.5% forex markup

5 EDGE Horizon points per ₹100 spent on flight and hotel bookings

Direct points transfer to partner airline and hotel loyalty programs

Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)

10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)

1 Complimentary Free Night Award annually (valid up to 15,000 Bonvoy points)

Automatic Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits per year

5 CashPoints per ₹100 spent on train ticket bookings via IRCTC app/website

1% transaction charges waiver on IRCTC website and ticketing portals

4 complimentary 6E Prime Passes on ₹1 Lakh spend within 90 days of issuance

8 domestic + 6 international lounge visits per year

Up to 3X BluChips value-back on IndiGo ticket bookings

4 domestic lounge visits/year on ₹50,000 spend in the preceding quarter

No minimum spend condition for complimentary airport lounge access

1 extra domestic lounge visit per ₹1 Lakh spent, capped at 12 extra visits/year

8 domestic lounge visits/year, with up to 8 more unlockable via spend milestones

Complimentary 2-year Priority Pass membership worth $99

5,000 Reward Points welcome gift on card activation

Complimentary Air India Flying Returns frequent flyer membership

Complimentary Air India Flying Returns membership on fee payment within 15 days

8 domestic lounge visits/year plus Priority Pass access to 600+ lounges worldwide

3% Adani Reward Points on Adani One ecosystem spends

8 domestic lounge visits/year plus porter services & car parking at Adani airports

7% Adani Reward Points on Adani One ecosystem spends

4 domestic lounge visits/quarter plus 2 international visits/year via Priority Pass

6% myCash on MMT hotel bookings, 3% on flights/holidays/cabs/bus

Complimentary 1-year MMTBLACK Gold membership with zero cancellation fees

₹1,500 MMT MyCash bonus on joining, plus complimentary MMTBLACK Gold membership

Extra myCash on MakeMyTrip hotel and flight bookings, plus MMTBLACK Platinum membership

5 Reward Points per ₹200 on IRCTC train bookings plus a 1% transaction charge waiver

8 railway lounge visits/year at select stations

8 domestic lounge visits/year (2/quarter) on ₹15,000 quarterly spend

2 Reward Points per ₹100 on all regular spends

6% BluChips on IndiGo bookings (rebranded from 6E Rewards)

3% BluChips on dining, movies & groceries

1,000 Air Miles welcome bonus, plus 1,000 more on each renewal

3 Air Miles per ₹100 on flights & hotels via Kotak Unbox

₹20,000 Taj Experiences e-Gift Card on ₹7 Lakh annual spend

8 domestic lounge visits/year (conditional on ₹1 lakh spend in the preceding quarter, effective Oct 2026) plus a complimentary Priority Pass membership