What's good
- Unlimited domestic and international lounge access for all add-on members
- Best-in-class travel rewards via HDFC SmartBuy (5X points on flights & hotels)
- Comprehensive concierge and lifestyle benefits
Watch out for
- Strictly invite-only — no open application
- Very high ₹10L annual spend criterion for fee waiver
- Redemption requests capped at 5/month (February 2026) — limits booking flexibility for high-spend cardholders
- From April 2026, requires ₹18L annual spend or ₹50L relationship value to retain the card
Who should pick this card?
Best suited for someone focused on high net-worth individuals.
This sits in the Premium category — Top-tier cards with concierge, unlimited lounge access, and elite travel perks for high spenders.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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