Movie & Dining

Up to 20% discount at select restaurants.

Rewards Rate

1 Membership Rewards Points for every Rs. 50 spent

Reward Redemption

Membership Rewards Points can be redeemed for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotel loyalty programmes and for making credit card bill payments under the Cash + Points scheme.

Travel

Complimentary domestic airport lounge access per year and Priority Pass membership for international lounge access.

Golf

N/A

Domestic Lounge Access

2 Domestic Lounge Access Every Quarter (8 Each Year)

International Lounge Access

Priority Pass Membership (lounge access program) with USD 99 annual fee waived off.

Insurance Benefits

N/A

Zero Liability Protection

No liability on cardholder for fraudulent use provided the loss of card is reported within 3 days. Liability limited to Rs. 1000 if loss of card reported after 3 days.

Spend Based Waiver

N/A

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% of the transaction amount

Interest Rates

3.5% per month

Fuel Surcharge

No fuel surcharge at HPCL fuel stations for transactions of up to Rs. 5,000, 1% surcharge on transactions above Rs. 5,000

Cash Advance Charges

3.5% of the transaction amount subject to a minimum charge of Rs. 250.

Add-on Card Fee

Nil up to 2 add-on cards, Rs. 1500/card thereafter.