Welcome bonus
₹2,500 worth gift voucher on joining fee payment; milestone vouchers on annual spends
👍 Pros
- ✓ 12 domestic and 6 international lounge visits per year
- ✓ Low ₹2,500 fee with ₹4 lakh spend waiver
- ✓ Strong milestone benefits and 2% forex markup
👎 Cons
- ✕ Low base reward rate (~1.3%)
- ✕ Reward caps on accelerated categories
- ✕ Fewer perks than flagship HDFC cards