Swiggy HDFC Credit Card

Fee Details

• 1st Year - ₹ 500 + Taxes
• 2nd Year Onwards - ₹ 500 (Waived if annual spends > ₹2,00,000)

Joining Perks

• Free Swiggy One Membership

Rewards

• Spends on Swiggy (Food, Instamart, Genie & Dineout): 10% cashback
• Eligible online spends: 5% cashback
• Offline spends: 1% cashback

What you'll love

• Welcome benefit: Complimentary Swiggy One Membership for 3 months

• 10% cashback on spends across Swiggy app

• 5% cashback on select online spends

• Free Swiggy One Membership on card activation within 30 days of issuance

• Cashback on Swiggy Food, Instamart, Genie & Dineout

• Cashback on online spends on apparels, electronics, dept. stores, home décor, personal care, pharmacies

• Cashback on online spends on pet stores, discount stores, entertainment, local cabs

• Cashback credited as Swiggy Money (1 unit of Swiggy Money = ₹1)

• Golfing benefits including course access, fee discounts & free lessons

• Interest-free credit period of up to 50 days

• Smart EMI option

• Zero lost card liability if immediately reported to bank

Think about

• Swiggy cashback capped at ₹1,500 per billing cycle

• Online spend cashback capped at ₹1,500 per billing cycle

• 1% cashback capped at ₹500 per billing cycle

• Min. transaction to earn cashback is ₹100

• No cashback on fuel, rent, EMI, wallet, jewellery & government-related spends

Fee Details

• 1st Year - ₹ 0
• 2nd Year Onwards - ₹ 0

Rewards

• Spends on SmartBuy platform: 5% cashback
• All other eligible spends: 1% cashback
• UPI spends on RuPay card: 1% cashback

What you'll love

• 5% cashback on spends on eligible categories on SmartBuy

• 1% cashback on all other eligible spends

• Swiggy Dineout: 10% additional discount

• 1% fuel-surcharge waiver at petrol bunks

• Lifetime-free card

• IGP, flights, hotels, bus, rail, instant vouchers, Apple Imagine Tresor spends on SmartBuy: 5% cashback

• UPI spends on RuPay variant card: 1% cashback

• Swiggy Dineout: ₹200 additional discount

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)

• 1 reward point = ₹1 PayZapp point

• Zero lost card liability if reported to bank immediately

Think about

• 5% & 1% cashback capped at 500 reward points each, per month

• Swiggy Dineout additional discount valid on min. spend of ₹2,000, applicable twice a month

• No points on transactions less than ₹100

• No points for spends on fuel, EMI, rent, wallet/prepaid card loads, vouchers, government-related payments

• Reward point validity: 2 years from accrual date

• Points on insurance spends capped at 2,000/month

• Min. balance of 500 points required for redemption

Fee Details

• 1st Year - ₹ 0
• 2nd Year Onwards - ₹ 0

Rewards

• Choice of 2 brand packs: 5% cashback
• Spends on SmartBuy: 5% cashback
• Choice of 1 e-commerce platform: 3% cashback
• UPI spends on the RuPay card: 1% cashback
• All other spends: 1% cashback

Documents

• PAN or Form 60, identity proof, address proof, income proof, photographs

What you'll love

• Lifetime-free card

• Swiggy Dineout: up to 10% off restaurant bills

• 1% fuel-surcharge waiver on transactions of ₹400-₹5,000

• Cashback credited as points in PayZapp, redeemable from 1,000 points

• Build the card: choose colour, 2 brand packs and 1 e-commerce platform (Amazon, Flipkart or PayZapp)

• Up to 50 days of interest-free credit

• 100% paperless approval - no hard copies of documents required

Think about

• Brand-pack cashback for up to 500 points a month. Packs are Dining & Entertainment (BookMyShow, Zomato), Travel (MakeMyTrip, Uber), Grocery (Blinkit, Reliance Smart Bazaar), Electronics (Croma, Reliance Digital) and Fashion (Nykaa, Myntra)

• SmartBuy cashback for up to 500 points a month applicable for IGP, flights, hotels, bus, rail, instant vouchers and Apple Imagine Tresor

• E-comm cashback for up to 500 points a month

• UPI spends cashback for up to 500 points a month for PIXEL RuPay cardholders only

• Cashback on other spends for up to 15,000 points a cycle

• No points on fuel, wallet loads, rent, government payments, EMI transactions, purchases converted to EMI later, cash advances, payment of outstanding balances, or card fees and charges

• Points go to the PayZapp Wallet or brand vouchers, valid for 2 years from the date they are earned

Fee Details

• 1st Year - ₹ 1,499 + Taxes
• 2nd Year Onwards - ₹ 1,499 (Reversible if annual spends > ₹3 lakh)

Joining Perks

• 1,499 NeuCoins on Tata Neu App

Rewards

• Non-EMI spends on Tata Neu & partner Tata Brands: 5% NeuCoins
• Tata Neu app/site spends (selected categories): Additional 5% NeuCoins
• All other eligible spends: 1.5% NeuCoins
• Eligible UPI spends: Up to 1.5% NeuCoins

What you'll love

• Welcome benefit: 1,499 NeuCoins on Tata Neu app

• 5% back as NeuCoins on non-EMI spends on Tata Neu & partner Tata Brands

• Additional 5% back as NeuCoins on spends on selected categories on Tata Neu app/site

• 1.5% back as NeuCoins on all other eligible spends

• Up to 1.5% back as NeuCoins on all eligible UPI spends

• Milestone-based complimentary airport lounge access

• 1% fuel surcharge waiver at petrol bunks

• 1,499 NeuCoins on Tata Neu App on first transaction within 30 days of card issuance

• Spends on Tata 1MG, BigBasket, Croma, Air India Express, Tata CliQ, IHCL (TAJ group of Hotels), Westside, Qmin, Tata Play, Cult.fit, Titan, Tanishq, bill payments on Tata Pay: 5% NeuCoins

• Non-EMI spends on non-Tata brands, EMI spends on any brands and spends on grocery, insurance, utility, telecom & cable: 1.5% NeuCoins

• Spends using any UPI ID: 0.5% NeuCoins

• Spends using Tata Neu UPI ID: 1% NeuCoins

• Additional 5% NeuCoins on spends on selected categories via NeuPass membership on Tata Neu app/site

• Annual-fee waiver on spends of ₹3 lakh or more in previous year

• 2 domestic airport lounge access vouchers on spending ₹50,000 or more in a calendar quarter (up to 8/calendar year)

• 1 international airport lounge access in a calendar quarter (up to 4/calendar year)

• Redeem NeuCoins for purchases on Tata Neu app/site (1 Neucoin = ₹1)

• 1% fuel-surcharge waiver at petrol bunks (on min. spend of ₹400, capped at ₹500 per statement cycle)

• Zero lost card liability if reported to bank immediately

Think about

• NeuCoins on eligible UPI spends capped at 500/month

• NeuCoins on grocery, insurance, utility, telecom & cable spends capped at 2,000 each per month

• Priority pass required to avail complimentary international airport lounge access on Visa card

• No points for spends on fuel, Smart EMI, rent, wallet/prepaid card loads, vouchers, government, online gaming, education-related payments made via third-party apps

• Points on education payments only made directly on college/school sites or POS machines

• NeuCoins validity: 12 months from the end of the month in which they're credited

Fee Details

• 1st Year - ₹ 499 + Taxes
• 2nd Year Onwards - ₹ 499 (Reversible if annual spends > ₹1 lakh)

Joining Perks

• 499 NeuCoins on Tata Neu App

Rewards

• Non-EMI spends on Tata Neu & partner Tata Brands: 2% NeuCoins
• Tata Neu app/site spends (selected categories): Additional 5% NeuCoins
• All other eligible spends: 1% NeuCoins
• Eligible UPI spends: Up to 1% NeuCoins

What you'll love

• Welcome benefit: 499 NeuCoins on Tata Neu app

• 2% back as NeuCoins on non-EMI spends on Tata Neu & partner Tata Brands

• Additional 5% back as NeuCoins on spends on selected categories on Tata Neu app/site

• 1% back as NeuCoins on all other eligible spends

• Up to 1% back as NeuCoins on all eligible EMI spends

• Milestone-based complimentary domestic airport lounge access

• 1% fuel surcharge waiver at petrol bunks

• 499 NeuCoins on Tata Neu App on first transaction within 30 days of card issuance

• Spends on Tata 1MG, BigBasket, Croma, Air India Express, Tata CliQ, IHCL (TAJ group of Hotels), Westside, Qmin, Tata Play, Cult.fit, Titan, Tanishq, bill payments on Tata Pay: 2% NeuCoins

• Non-EMI spends on non-Tata brands, EMI spends on any brands and spends on grocery, insurance, utility, telecom & cable: 1% NeuCoins

• Spends using any UPI ID: 0.25% NeuCoins

• Spends using Tata Neu UPI ID: 0.75% NeuCoins

• Additional 5% NeuCoins on spends on selected categories via NeuPass membership on Tata Neu app/site

• Annual-fee waiver on spends of ₹1 lakh or more in previous year

• 1 domestic airport lounge access voucher on spending ₹50,000 or more in a calendar quarter (up to 4/calendar year)

• Redeem Neucoins for purchases on Tata Neu app/site (1 Neucoin = ₹1)

• 1% fuel-surcharge waiver at petrol bunks (on min. spend of ₹400, capped at ₹250 per statement cycle)

• Zero lost card liability if reported to bank immediately

Think about

• NeuCoins on eligible UPI spends capped at 500/month

• NeuCoins on grocery spends capped at 1,000/month

• NeuCoins on insurance, utility, telecom & cable spends capped at 2,000 each per month

• No points for spends on fuel, Smart EMI, rent, wallet/prepaid card loads, vouchers, government, online gaming, education-related payments made via third-party apps

• Points on education payments only made directly on college/school sites or POS machines

• NeuCoins validity: 12 months from the end of the month in which they're credited

Fee Details

• 1st Year - ₹ 500 + Taxes
• 2nd Year Onwards - ₹ 500 (Reversible if annual spends > ₹1 lakh)

Joining Perks

• ₹250 gift voucher on first transaction within 37 days

Rewards

• Bill payments via SmartPay & PayZapp: ₹200 = 20 points
• IT & GST payments: ₹200 = 20 points
• Spends on hotel & flight bookings & business productivity tools: ₹200 = 20 points
• Spends on DMart & ClearTax: ₹200 = 20 points
• All other eligible spends: ₹200 = 2 points

What you'll love

• Welcome benefit: ₹250 gift voucher

• 55 days of interest-free credit period on all business expenses

• Bill payments via SmartPay & PayZapp: 10x points

• IT & GST payments: 10x points

• Spends on hotel & flight bookings & business productivity tools: 10x points

• Spends on DMart & ClearTax: 10x points

• All other eligible spends: ₹200 = 2 points

• Swiggy Dineout: Up to 10% savings

• Milestone spends: 2,000 points

• 1% fuel-surcharge waiver at petrol bunks

• 55 days of interest-free credit period on all business expenses

• ₹250 gift voucher on activating card within 37 days of issuance

• Bill payments via SmartPay & PayZapp: ₹200 = 20 points

• IT & GST payments: ₹200 = 20 points

• Spends on hotel & flight bookings on MakeMyTrip & business productivity tools via SmartBuy BizDeals: ₹200 = 20 points

• Spends on DMart & ClearTax: ₹200 = 2 points

• All other eligible spends: ₹200 = 2 points

• 2,000 points on spending ₹1 lakh or more each calendar quarter

• Up to 10% off on all restaurant bill payments via Swiggy Dineout

• Up to 5% cashback on travel/online shopping on SmartBuy

• Up to 40% off on business software on Nuclei platform via SmartBuy Biz Deals

• Business insurance package at annual premium of ₹3,785

• Up to ₹1,800 cashback & e-vouchers up to ₹800 on adding 2 or more utility bills on SmartPay

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)

• Annual-fee waiver on spends of ₹1 lakh in previous year

• Credit liability cover of ₹3 lakhs

• Redeem points as cashback against statement balance (1 point = ₹0.20)

• Redeem points for flight/hotel bookings & product catalogue via SmartBuy (1 point = up to ₹0.25)

• Redeem points against business catalogue via SmartBuy (1 point = up to ₹0.30)

• Zero lost card liability if immediately reported to bank

Think about

• Min. spend of ₹10,000/month to avail 10x reward points

• 10x reward points capped at 1,500 per month

• Reward points on eligible UPI spends capped at 500/month

• Rental & fuel spends excluded from quarterly spends for milestone benefit

• 1% fee on rental transactions, capped at ₹3,000/transaction

• Reward point validity: 2 years from accrual date

• Max. 15,000 points earned in a statement cycle

Fee Details

• 1st Year - ₹ 500 + Taxes
• 2nd Year Onwards - ₹ 500 (Reversible if annual spends > ₹50,000)

Joining Perks

• ₹250 gift voucher on first transaction within 37 days

Rewards

• EMI spends: 3% points
• Utility, Electronics, SmartPay & PayZapp spends: 2% points
• All other eligible spends: 1% points
• All eligible UPI spends: 1% points

What you'll love

• Welcome benefit: ₹250 gift voucher

• 3% points on EMI spends

• 2% points on utility bills, electronics, SmartPay & PayZapp spends

• 1% points on UPI & all other eligible spends

• Swiggy Dineout: Up to 7.5% savings

• Milestone spends: 2,000 points

• 1% fuel-surcharge waiver at petrol bunks

• ₹250 gift voucher on activating card within 37 days of issuance

• 3% points on EMI spends

• 2% points on utility, electronics, SmartPay & Payzapp spends

• 1% points on all other eligible spends, including UPI payments

• 2,000 points on spending ₹75,000 or more each calendar quarter

• Up to 7.5% on all restaurant bill payments via Swiggy Dineout

• Up to 5% cashback on travel/online shopping on SmartBuy

• Up to 40% off on business software on Nuclei platform via SmartBuy Biz Deals

• Business insurance package at annual premium of ₹3,785

• Up to ₹1,800 cashback & e-vouchers up to ₹800 on adding 2 or more utility bills on SmartPay

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)

• Annual-fee waiver on spends of ₹50,000 in previous year

• Credit liability cover of ₹3 lakh

• Redeem points as cashback against statement balance (1 point = ₹0.25)

• Redeem points for flight/hotel bookings & product catalogue via SmartBuy (1 point = ₹0.15)

• Redeem points against business catalogue via SmartBuy (1 point = ₹0.20)

• Zero lost card liability if immediately reported to bank

Think about

• 3% points capped at 1,000/month

• 2% & 1% points capped at 500 each, per month

• Rental & fuel spends excluded from quarterly spends for milestone benefit

• 1% fee on rental transactions, capped at ₹4,999/transaction

• 1% fee on utility spends >₹75,000/month

• Reward point validity: 2 years from accrual date

• Max. 15,000 points earned in a statement cycle

Fee Details

• 1st Year - ₹ 299 + Taxes
• 2nd Year Onwards - ₹ 299 + Taxes

Joining Perks

• ₹500 Shoppers Stop Voucher
• Complimentary Shoppers Stop Silver Edge membership

Rewards

• Shoppers Stop spends: 3% points
• All other eligible spends: 1% points

What you'll love

• Welcome benefit: ₹500 Shoppers Stop voucher

• Complimentary Shoppers Stop Silver Edge membership

• Shoppers Stop spends: 3% points

• All other eligible spends: 1% points

• 1% fuel-surcharge waiver at petrol bunks

• ₹500 Shoppers Stop voucher on joining fee payment

• Complimentary Shoppers Stop Silver Edge membership worth ₹350 on receiving card

• ₹500/month on single purchase of ₹15,000 or above on Shoppers Stop on weekends (Fri-Sun)

• 3% points on all Shoppers Stop spends, in-store and website

• 1% points on all other eligible spends

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)

• Redeem points as Shoppers Stop vouchers (1 point = ₹1)

• Redeem points as airmiles & against product catalogue (1 point = up to ₹0.25)

• Redeem points as cashback against statement balance & flight/hotel bookings via SmartBuy (1 point = ₹0.20)

• Zero lost card liability if immediately reported to bank

Think about

• No points on transactions less than ₹150

• 3% points capped at 500 per month

• 1% points capped at 1000 per month

• Weekend offer capped at max. 1/month & 5/year

• No points for fuel, EMI, rent, wallet/prepaid card loads, vouchers, jewellery, supermarkets, tax, alcohol stores, bakeries, vending machines, insurance & government-related payments

• Reward point redemption capped at 50,000/month

• Reward point validity: 2 years from accrual date

Fee Details

• 1st Year - ₹ 4,500 + Taxes
• 2nd Year Onwards - ₹ 4,500 + Taxes

Joining Perks

• ₹1,500 Shoppers Stop Voucher
• Complimentary Shoppers Black membership

Rewards

• Shoppers Stop spends: 7% points
• All other eligible spends: 2% points

What you'll love

• Welcome benefit: ₹1,500 Shoppers Stop voucher

• Complimentary Shoppers StopBlack membership

• Shoppers Stop spends: 7% points

• All other eligible spends: 2% points

• Complimentary airport lounge access

• Complimentary insurance benefits

• 1% fuel-surcharge waiver at petrol bunks

• ₹1,500 Shoppers Stop voucher on joining fee payment

• Complimentary Shoppers Stop Black membership worth ₹4,500 on receiving card

• Reward points worth ₹2,000/month on single purchase of ₹50,000 or above on Shoppers Stop on weekends (Fri-Sun)

• 7% points on all Shoppers Stop spends, in-store and website

• 2% points on all other eligible spends

• 16 domestic airport lounge access in a calendar year (4 per quarter)

• 8 international airport lounge access in a calendar year (2 per quarter)

• Accidental air death cover worth ₹3 crores

• Emergency overseas hospitalisation of up to ₹50 lakhs

• Credit liability cover of up to ₹9 lakhs

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹500 per statement cycle)

• Redeem points as Shoppers Stop vouchers (1 point = ₹1)

• Redeem points against product catalogue (1 point = ₹0.35)

• Redeem points as airmiles & flight/hotel bookings via SmartBuy (1 point = up to ₹0.50)

• Redeem points as cashback against statement balance (1 point = ₹0.20)

• Zero lost card liability if immediately reported to bank

Think about

• No points on transactions less than ₹150

• 7% points capped at 2,000 per month

• 2% points capped at 2,0000 per month

• Weekend offer capped at max. 1/month & 5/year

• No points for fuel, EMI, rent, wallet/prepaid card loads, jewellery, cash advances, supermarkets, tax, alcohol stores, bakeries, vending machines, insurance & government-related payments

• Reward point redemption capped at 50,000/month

• Reward point validity: 2 years from accrual date

Fee Details

• 1st Year - ₹ 500 + Taxes
• 2nd Year Onwards - ₹ 500 + Taxes (Reversible if annual spends > ₹50,000)

Joining Perks

• ₹250 voucher upon card activation
• Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

Rewards

• IOCL fuel spends: 5% as fuel points
• Groceries & utility spends: 5% as fuel points
• Other eligible spends (including UPI): ₹150 = 1 fuel point

What you'll love

• Up to 50 litres of free fuel yearly

• Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

• IOCL fuel spends: 5% back as fuel points

• Groceries & utility spends: 5% back as fuel points

• Other categories: 1 fuel point for every ₹150 spent

• 1% fuel surcharge waiver at petrol bunks

• ₹250 voucher on completion of at least one transaction within 37 days of card issuance

• Free fuel at IOCL pumps by converting fuel points to XTRAREWARD points (1 fuel point = ₹0.96)

• Annual-fee waiver on spends of ₹50,000 in previous year

• Redeem points as cashback against statement balance, flight & hotel bookings via SmartBuy and against product catalogue (1 point = up to ₹0.20)

• Redeem points for Airmiles (1 point = ₹0.25)

• 1% fuel-surcharge waiver at petrol bunks (on min. spend of ₹400, capped at ₹250 per statement cycle)

• Zero lost card liability if reported to bank immediately

Think about

• 5% fuel points capped at 250 points/month (first 6 months) & 150 points/month thereafter

• Fuel transactions must be done via IOCL-authorised POS machines

• 5% grocery & utility payment points capped at 100 points each, per month

• No points on grocery & utility spends less than ₹150

• No points for spends on wallet loads, rent, supermarkets, jewellery, tax, EMIs, vending machines, package store alcohol, bakeries, insurance, government-related payments

• For free fuel redemption, redeem min. 500 points and in multiples of 500

• Cashback redemption requires min. balance of 12,500 fuel points

• Reward point validity: 2 years from accrual date

• Reward point redemption capped at 50,000/month

Fee Details

• 1st Year - ₹ 500 + Taxes
• 2nd Year Onwards - ₹ 500 (Reversible if annual spends > ₹50,000)

Joining Perks

• 500 points on paying joining fee

Rewards

• Spends on Big Basket, BookMyshow, OYO, Swiggy & Uber: ₹150 = 10 points
• All other eligible spends: ₹150 = 1 point

What you'll love

• Welcome benefit: 500 points

• Big Basket, BookMyshow, OYO, Swiggy & Uber spends: 10x points

• All other eligible spends: 1 point per ₹150

• Swiggy Dineout: 10% additional discount

• 1% fuel-surcharge waiver at petrol bunks

• 500 points on joining & renewal fee payment

• Big Basket, BookMyshow, OYO, Swiggy & Uber: 10 points per ₹150 spent

• Swiggy Dineout: ₹200 additional discount

• Points on utility, telecom & cable transactions and education-related payments

• Additional points on select transactions on linking card to PayZapp

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)

• Annual-fee waiver on spends of ₹50,000 in previous year

• Redeem points as cashback against statement balance (1 point = ₹0.15)

• Redeem points against flight/hotel bookings via SmartBuy (1 point = ₹0.15)

• Zero lost card liability if immediately reported to bank

Think about

• 10x reward points capped at 2,500 per month

• Swiggy Dineout additional discount valid on min. spend of ₹2,000, applicable twice a month

• Max. reward points capped at 15,000 per statement cycle

• No points for fuel, EMI, rent, wallet/prepaid card loads, vouchers, government/education-related payments made via third-party apps

• Points on utility, telecom, cable, education payments (only made directly through college/school sites or POS machines) & SmartPay transactions

• Reward point validity: 2 years from accrual date

• Points on utility, telecom, cable spends capped at 2,000/month

• Points on grocery spends capped at 1,000/month

• Points on utility, telecom, cable, education payments only made directly on college/school sites or POS machines & SmartPay transactions

• Reward point redemption for flight/hotel bookings and cashback capped at 50,000/month

Fee Details

• 1st Year - ₹ 1,000 + Taxes
• 2nd Year Onwards - ₹ 1,000 (Reversible if annual spends > ₹1 lakh)

Joining Perks

• 1,000 points on paying joining fee

Rewards

• Spends on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato: 5% cashback
• All other eligible spends: 1% cashback

What you'll love

• Welcome benefit: 1,000 points

• 5% cashback on 10 popular brands

• 1% cashback on all other eligible spends

• Swiggy Dineout: 10% additional discount

• Gift voucher/Airport lounge access on milestone spends

• 1% fuel-surcharge waiver at petrol bunks

• 1,000 points on joining fee payment

• Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato spends: 5% cashback

• Swiggy Dineout: ₹200 additional discount

• ₹1,000 gift voucher or 1 domestic airport lounge access on spending ₹1 lakh or more in each calendar quarter

• Up to 10% additional cashback via PayZapp shop/SmartBuy

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)

• 1% cashback on gift/prepaid card loads, voucher purchase, Smartpay transactions & education-related payments made directly through college/school sites/POS machines

• Annual-fee waiver on spends of ₹1,00,000 in previous year

• Redeem points as cashback against statement balance (1 point = ₹1)

• Redeem points against flight/hotel bookings via SmartBuy, rewards catalogue & airmiles (1 point = ₹0.30)

• Zero lost card liability if reported to bank immediately

Think about

• 5% & 1% cashback capped at 1,000 reward points each, per month

• Swiggy Dineout additional discount valid on min. spend of ₹2,000, applicable twice a month

• No points for spends on fuel, EMI, rent, government/education-related payments made via third-party apps

• Reward point validity: 2 years from accrual date

• Milestone spend benefit of gift voucher/lounge access valid for 3 months

• Reward point redemption for flight/hotel bookings capped at 50,000/month

• Reward point redemption for cashback capped at 3,000/month

Fee Details

• 1st Year - ₹ 500 + Taxes
• 2nd Year Onwards - ₹ 500 (Reversible if annual spends > ₹50,000)

Joining Perks

• 500 points on paying joining fee

Rewards

• Spends on Amazon, BigBasket & other top brands: ₹200 = 20 points
• All other eligible spends: ₹200 = 2 points

What you'll love

• Welcome benefit: 500 points

• Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy: 20 points per ₹200

• All other eligible spends: 2 points per ₹200

• Swiggy Dineout: 10% additional discount

• Milestone spends: Gift vouchers of up to ₹2,000/year

• 1% fuel-surcharge waiver at petrol bunks

• 500 points on joining and renewal fee payment

• Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy spends: 20 points per ₹200 (Up to 2.5% valueback)

• Swiggy Dineout: ₹200 additional discount

• ₹500 gift voucher on spending ₹50,000 or more each calendar quarter

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)

• Annual-fee waiver on spends of ₹50,000 in previous year

• Redeem points as cashback against statement balance (1 point = up to ₹0.25)

• Redeem points against flight/hotel bookings via SmartBuy (1 point = up to ₹0.25)

• Zero lost card liability if immediately reported to bank

Think about

• 10x reward points capped at 2,500 per month

• Swiggy Dineout additional discount valid on min. spend of ₹2,000, applicable twice a month

• Max. reward points capped at 15,000 per statement cycle

• No points for fuel, EMI, rent, wallet/prepaid card loads, vouchers, government/education-related payments made via third-party apps

• Points on education payments only made directly on college/school sites or POS machines & SmartPay transactions

• Reward point validity: 2 years from accrual date

• Points on grocery spends capped at 1,000/month

• Reward point redemption for flight/hotel bookings and cashback capped at 50,000/month

Fee Details

• 1st Year - ₹ 1,000 + Taxes
• 2nd Year Onwards - ₹ 1,000 + Taxes (Reversible if annual spends > ₹3 lakhs)

Joining Perks

• Complimentary annual memberships of Swiggy One & Times Prime

Rewards

• Spends on Swiggy and Zomato online food orders: ₹200 = 20 points (+16 points)
• Spends via SmartBuy: ₹200 = up to 40 points
• All other eligible spends: ₹200 = 4 points

What you'll love

• Welcome benefit: Complimentary annual memberships of Swiggy One & Times Prime

• Swiggy and Zomato online food order spends: ₹200 = 5x points + additional 4x points

• Spends via SmartBuy: ₹200 = up to 10x points

• All other eligible spends: ₹200 = 4 points

• Buy 1 get 1 free offer on weekend show tickets on BookMyShow

• Milestone-based complimentary airport lounge access

• ₹1,500 voucher on quarterly milestone spends

• Complimentary insurance benefits

• Complimentary annual memberships of Swiggy One & Times Prime on spending ₹75,000 within 90 days of card issuance

• Buy 1 Get 1 free offer on online booking of weekend show tickets (Fri-Sun) on BookMyShow (max. discount of ₹250/ticket, up to 2 free tickets/month)

• Spends on Swiggy and Zomato online food orders: ₹200 = 20 points

• Additional 4x reward points on Swiggy and Zomato food spends: ₹200 = 16 points

• Spends via SmartBuy: ₹200 = up to 40 points

• All other eligible spends: ₹200 = 4 points

• ₹1,500 voucher from top brands on quarterly milestone spends of ₹1.5 lakhs

• 2 domestic and 1 international airport lounge access vouchers on spending ₹60,000 or more in a calendar quarter

• Air accident cover worth $125,000

• Emergency overseas medical expenses cover worth $31,250

• Travel insurance cover worth $650

• Credit liability cover of up to ₹9 lakhs on lost card

• Redeem points for flight & hotel bookings via SmartBuy (1 point = ₹0.50)

• Redeem points against exclusive reward catalogue (1 point = up to ₹0.35)

• Redeem points as cashback (1 point = ₹0.20)

• Zero lost card liability if immediately reported to bank

Think about

• No points on transactions less than ₹200

• Additional 4x points capped at 2,500 per month

• Buy 1 get 1 free offer valid on purchase of min. 2 tickets

Fee Details

• 1st Year - ₹ 500 + Taxes
• 2nd Year Onwards - ₹ 500 (Reversible if annual spends > ₹50,000)

Joining Perks

• ₹250 gift voucher on first transaction within 37 days

Rewards

• Business digital spends: ₹200 = 6 points
• Bill payments via SmartPay & PayZapp: ₹200 = 6 points
• IT & GST payments: ₹200 = 6 points
• Spends on hotel & flight bookings & business productivity tools: ₹200 = 6 points
• All other eligible spends: ₹200 = 2 points

What you'll love

• Welcome benefit: ₹250 gift voucher

• 55 days of interest-free credit period

• Business digital spends: 3x points

• Bill payments via SmartPay & PayZapp: 3x points

• IT & GST payments: 3x points

• Spends on hotel & flight bookings & business productivity tools: 3x points

• All other eligible spends: ₹200 = 2 points

• Swiggy Dineout: Up to ₹400 per month

• Milestone spends: 800 points

• 1% fuel-surcharge waiver at petrol bunks

• Up to 55 days extended interest-free credit period

• ₹250 gift voucher on activating card within 37 days of issuance

• Business digital spends: ₹200 = 6 points

• Bill payments via SmartPay & PayZapp: ₹200 = 6 points

• IT & GST payments: ₹200 = 6 points

• Spends on hotel & flight bookings on MakeMyTrip & business productivity tools via SmartBuy BizDeals: ₹200 = 6 points

• All other eligible spends: ₹200 = 2 points

• Discounts on partner brands under GIG Special Merchant Program

• 800 points on spending ₹50,000 or more each month

• Up to ₹400 off per month on dining bills via Swiggy Dineout

• Up to 10% cashback on travel/online shopping on SmartBuy

• Up to ₹1,800 cashback & e-vouchers up to ₹800 on adding 2 or more utility bills on SmartPay

• 1% fuel-surcharge waiver at petrol bunks (on spends of ₹400-₹5,000, capped at ₹250 per statement cycle)

• Annual-fee waiver on spends of ₹50,000 in previous year

• Credit liability cover of ₹3 lakhs

• Redeem points as cashback against statement balance (1 point = up to ₹0.25)

• Redeem points for flight/hotel bookings & product catalogue via SmartBuy (1 point = up to ₹0.25)

• Redeem points against business catalogue via SmartBuy (1 point = up to ₹0.30)

• Zero lost card liability if immediately reported to bank

Think about

• 3x reward points capped at 1,500 per month

• Min. spend of ₹2,000 to avail Swiggy Dineout offer & can be availed only twice per month

• Reward points on eligible UPI spends capped at 500/month

• Reward point validity: 2 years from accrual date

• Max. 15,000 points earned in a statement cycle