SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for ultra premium, travel, and hotels.
Why it can work
It combines complimentary airport lounge access, a low 1.5% forex markup, and accelerated rewards on international spends.
Where value may drop
The renewal fee is waived only on Rs 35 lakh of annual spend. Fuel, rent, and insurance don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many edge reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Edge Reward Points/yr |
|---|---|---|
| International spends | Rs 5,000 | 9,000 |
| Other spends | Rs 8,000 | 7,200 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for International Spends
30 EDGE REWARD Points / Rs 200 spent on international spends
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1.5% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns edge reward points you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 50,000 fee waives only at Rs 35 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Domestic spends | 15 EDGE REWARD Points / Rs 200 spent on domestic spends |
| International spends | 30 EDGE REWARD Points / Rs 200 spent on international spends |
Redemption
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| Air Canada | Aeroplan | 5:2 | Group A | 1,00,000 edge reward points |
| Ethiopian Airlines | ShebaMiles | 5:2 | Group A | 1,00,000 edge reward points |
| Etihad Airways | Etihad Guest | 5:2 | Group A | 1,00,000 edge reward points |
| Japan Airlines | JAL Mileage Bank | 5:2 | Group A | 1,00,000 edge reward points |
| Singapore Airlines | KrisFlyer | 5:2 | Group A | 1,00,000 edge reward points |
| Thai Airways | Royal Orchid Plus | 5:2 | Group A | 1,00,000 edge reward points |
| Turkish Airlines | Miles&Smiles | 5:2 | Group A | 1,00,000 edge reward points |
| United Airlines | MileagePlus | 5:2 | Group A | 1,00,000 edge reward points |
| British Airways | British Airways Executive Club | 5:1 | Group A | 1,00,000 edge reward points |
| Finnair | Finnair Plus | 5:1 | Group A | 1,00,000 edge reward points |
| Vietnam Airlines | Lotusmiles | 5:1 | Group A | 1,00,000 edge reward points |
| Air France-KLM | Flying Blue | 5:2 | Group B | 4,00,000 edge reward points |
| Air India | Maharaja Club | 5:2 | Group B | 4,00,000 edge reward points |
| airasia | airasia rewards | 5:2 | Group B | 4,00,000 edge reward points |
| Qantas Airways | Qantas Frequent Flyer | 5:2 | Group B | 4,00,000 edge reward points |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 5:2 | Group B | 4,00,000 edge reward points |
| ITC Hotels | Club ITC | 5:2 | Group B | 4,00,000 edge reward points |
| Radisson Hotels | Radisson Rewards | 5:2 | Group B | 4,00,000 edge reward points |
| Orchid Hotels | Orchid Rewards | 5:2 | Group B | 4,00,000 edge reward points |
| Wyndham Hotels & Resorts | Wyndham Rewards | 5:2 | Group B | 4,00,000 edge reward points |
| The Postcard Hotel | The Postcard Sunshine Club | 5:2 | Group B | 4,00,000 edge reward points |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Purchase of gold or jewellery
- Educational institution payments via third-party apps
- Online skill-based gaming transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 15,000 EDGE REWARD Points on card activation
- Reduced forex markup of 1.5%
- No cash withdrawal charges
- Complimentary airport concierge services
- ITC Culinaire, Accor Plus and Club Marriott hotel memberships, subject to product terms
- 50 complimentary golf rounds per year, subject to product terms
- 1% fuel surcharge waiver on transactions from Rs 400 to Rs 4,000, capped at Rs 400 per month
- Purchase protection up to Rs 2 lakh
- Credit shield cover up to Rs 5 lakh
- Travel inconvenience cover up to USD 500 for baggage and personal document loss or delay
Additional details
- Travel EDGE transfers for Reserve cards are capped at 5,00,000 EDGE REWARD Points per customer ID per calendar year, including up to 1,00,000 to Group A partners and 4,00,000 to Group B partners.
- Minimum 300 EDGE REWARD Points are required per partner-transfer request.
- Effective April 2, 2026: Marriott Bonvoy, Accor Live Limitless and Qatar Airways Privilege Club removed; British Airways Executive Club, Finnair Plus and Vietnam Airlines Lotusmiles added.
Latest updates
Recent changes to this card.
- Effective April 2, 2026: Marriott Bonvoy, Accor Live Limitless and Qatar Airways Privilege Club removed; British Airways Executive Club, Finnair Plus and Vietnam Airlines Lotusmiles added.
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 70 years
- Relationship-based (primarily offered to Burgundy or high-net-worth customers)
- Resident of India
Self-employed
- Age: 18 to 70 years
- Relationship-based (primarily offered to Burgundy or high-net-worth customers)
- Resident of India
Compare before you decide
Alternatives based on what you might want instead.
Marriott Bonvoy HDFC Bank Credit Card
Best for marriott, hotels, travel.
Kotak Infinite Credit Card
Best for travel, lounge, golf.
HDFC Bank Infinia Metal Edition Credit Card
Best for premium travel, lounge, smartbuy.
Tips
Practical notes from verified sources.
Air India is classified under Group B (subject to the 400,000 annual EDGE Reward Points transfer cap at a 5:2 ratio) and has recently revalued its redemptions.
For Marriott Bonvoy transfers, you can indirectly transfer by converting EDGE Reward Points to Club ITC at a 5:2 ratio, and then Club ITC to Marriott at a 2:3 ratio (capped at 10,000 ITC points per quarter).