Welcome Gift includes getting rewarded with 1000 PAYBACK points as a Welcome Bonus and availing 10% Discount at Big Bazaar, Central, e-Zone, FBB, Brand factory & more with complimentary Future Privilege Membership
1% fuel surcharge across all petrol pumps in India
Auto assist
Complimentary personal air accident insurance cover of up to Rs 25 lakh
Avail ‘Total Protect’ facility which is a first-of-its-kind program that covers the individual for an amount equal to the credit limit on its card
Milestone Benefit: You can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cab vouchers worth Rs. 500 every month on minimum spends of Rs. 80,000
Travel: Book flight tickets / hotels across 150+ airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/v1/foryou
Spend benefit at Harley-Davidson authorized dealers: Get 10X Reward Points on purchase of Harley-Davidson merchandise and services
Up to 50 days of interest free credit period from the date of purchase
Enjoy Dining Privileges by getting 2X on weekend Dining
Credit Liability Cover Rs. 9 lakh
Foreign Currency Markup: Nominal 2% on all foreign currency spends
Revolving Credit is available at a nominal interest rate
Unlimited Airport lounge access in India and worldwide for primary and add-on card members
Get 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
Avail the option to convert big spends into EMI after purchase
Contactless payment enabled
Accidental Air Death Cover worth Rs. 2 Crore
Emergency overseas hospitalization: up to Rs. 50 lakhs
Travel Insurance Cover of up to Rs. 55,000 on baggage delay
Credit Liability cover up to Rs. 9 Lakh
Avail 5 Reward Points for every Rs. 150 retail spends
Avail up to 10X Reward Points on spends via SmartBuy and 10X Reward Points on spends done on Harley-Davidson merchandise and services at Authorized Harley-Davidson dealers
Avail amazing dining benefits with Good Food Trail program by getting up to 25% savings off on all restaurant bill payments via Swiggy Dineout that includes 20k + restaurants. Offer is inclusive of Restaurant and Swiggy Discount and is valid only on payments done Swiggy App
Editor's Review
Pros
Avail exciting rewards on dining, shopping, entertainment and more:
Get 5 PAYBACK Points on every Rs.100 spent on groceries and shopping
Relish 5 PAYBACK Points on every Rs.100 spent on dining delights
Get 20 PAYBACK Points on every Rs. 100 spent on movie bookings
While buying utilities, purchasing insurance and other miscellaneous items, except fuel, get 2 PAYBACK Points on every Rs. 100 spent
Gain privileges of doing free shopping when redeeming PAYBACK Points. Categories for this include movie tickets on BookMyShow.com, grocery from Big Bazaar, a shopping voucher from VoucherWorld, or for any product of the cardholder’s choice from the PAYBACK Rewards Catalogue and more
Avail 500 PAYBACK Points on spending Rs. 20,000 or more in a month. Avail 4000 PAYBACK Points on spending Rs. 2,00,000 or more in a membership year
Cons
No Airport Lounge Access
No Golf Privileges
Pros
Unlimited Airport lounge access in India and worldwide for primary and add-on card members
Book flight tickets / hotels across 150+ airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/v1/foryou
Spend benefit at Harley-Davidson authorized dealers
Cons
No golf benefits
No cashback offers
More comparisions with IndusInd Bank PAYBACK Credit Card