Key Features & Benefits
- ✦4 Reward Points per ₹150 on all eligible retail spends
- ✦10X Reward Points on SmartBuy
- ✦12 complimentary domestic lounge visits per year
- ✦6 international lounge visits via Priority Pass
- ✦Welcome: Amazon Prime + BigBasket Star + MMT Black Elite + Zomato Pro + Times Prime Smart
- ✦2% forex markup fee
- ✦Golf privilege — 1 game/month at select courses
- ✦Comprehensive travel insurance — air accident cover ₹1 crore
- ✦Annual fee waiver on ₹3L spend
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Welcome & Joining Benefits
- ✦Complimentary Amazon Prime, BigBasket Star, MMT Black Elite, Zomato Pro, Times Prime Smart memberships
Milestone Benefits
- ✦₹3L annual spend → Annual fee waiver
Pros & Cons
✓ Advantages
- ✓5 bundled subscriptions worth ₹5,000+ as welcome benefits
- ✓12 domestic + 6 international lounge — excellent at ₹2,500
- ✓2% forex — low for a mid-tier premium card
- ✓Good all-rounder for lifestyle + travel
✗ Disadvantages
- ✗Diners Club acceptance limited at some merchants
- ✗4 RP/₹150 is standard — not accelerated
- ✗Subscription benefits require spending within 90 days (check current T&C)
Frequently Asked Questions
Are all 5 subscription memberships really free?▼
The memberships (Amazon Prime, BigBasket Star, MMT Black Elite, Zomato Pro, Times Prime Smart) are offered as welcome benefits, typically activated on spending a threshold amount in the first 90 days. Verify current conditions with HDFC Bank.
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