Welcome & Onboarding
Benefit 1
Complimentary Swiggy One membership — on ₹1,00,000 spends within first 90 days of card issuance
Benefit 2
Complimentary MMT Black Gold membership — on ₹1,00,000 spends within first 90 days of card issuance
Airport Lounge Access
Domestic
3 complimentary accesses per quarter within India (at domestic and international terminals) using HDFC Bank Regalia Gold Credit Card directly
International
6 complimentary lounge accesses per calendar year outside India via Priority Pass (shared between primary and add-on members)
Reward Rates
SmartBuy Portal (5X) Cap: ₹5,000/month | 8.7% |
Myntra/Nykaa/Reliance Digital (5X) Cap: ₹5,000/month | 8.7% |
Insurance Cap: ₹2,000/day | 1.6% |
Grocery Cap: ₹2,000/month | 1.6% |
Base Spends | 1.6% |
Milestone Rewards
₹5,00,000 in a year
₹5,000 worth flight vouchers
₹7,50,000 in a year
₹5,000 worth flight vouchers (additional)
Total ₹10,000 in flight vouchers if both milestones hit
₹1,50,000 in a calendar quarter
₹1,500 worth Myntra/Nykaa vouchers
Quarterly milestone — available every quarter
Dining Offers
- • Dining Privileges via Good Food Trail Program
- • Up to 10% discount on partner restaurants via Swiggy Dineout
Lifestyle Benefits
- • 24x7 exclusive Concierge services via phone (1800 1600/1800 2600) or email
- • Complimentary Swiggy One and MMT Black Gold membership (welcome benefit)
Reward Exclusions
- • Fuel spends
- • EasyEMI transactions
- • E-wallet loading
- • Rent payments and government related transactions
Eligibility
Salaried
Net Monthly Income > ₹1,00,000 (Government employees) · Net Monthly Income > ₹1,50,000 (Non-Government employees)
Age: Minimum 21 years, Maximum 60 years
Self-Employed
ITR > ₹18,00,000 per annum
Age: Minimum 21 years, Maximum 65 years
Nationality
Indian