Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.67,661
Annual fee-Rs.25,000
Net annual value+Rs.42,661
Value Breakdown
smartbuy (10x)+Rs.43,200
dining (3.3%)+Rs.2,970
Base rate (3.33%)+Rs.8,991
Welcome benefit+Rs.12,500
Annual feeRs.12,500
Joining fee (year 1)Rs.12,500
Highlights
- Unlimited Priority Pass lounges (self + guest)
- 10X SmartBuy rewards (33% return)
- Rs.3Cr air accident cover
- 12 free golf rounds/year
- Concierge services
Drawbacks
- Invite-only
- Rs.2.5L+ monthly income required
Redemption Paths
Every way to spend your reward points
1
Singapore KrisFlyer (1:1)
Premium cabin sweet spots
Rs.1.80
per point
2
Marriott Bonvoy (1:1)
Luxury hotels
Rs.1.30
per point
3
SmartBuy Flights
Domestic flights
Rs.1.00
per point
4
SmartBuy Hotels
Hotel bookings
Rs.1.00
per point
5
HDFC Catalog
Rs.0.50
per point
6
cashback
Statement credit
Rs.0.30
per point
Reward Rates
Earn by category
smartbuy
10X
Cap: Rs.15.0K/mo
10X on SmartBuy partners (Amazon, Flipkart, Marriott)
dining
3.3%
5 points per Rs.150