A: The joining and annual fee is ₹4,999 + applicable GST. The renewal fee is waived if you spend ₹8 lakh or more on eligible retail transactions in the card anniversary year.

A: You get 16 complimentary domestic lounge visits and 16 international lounge visits (via Priority Pass) per year, limited to a maximum of 4 visits per quarter in each category.

A: No. It carries a recurring annual fee of ₹4,999 + GST. However, the fee can be waived every year by meeting the ₹8 lakh annual spend condition.

A: The foreign currency markup fee is only 0.99% of the transaction amount – one of the lowest among premium Indian credit cards.

A: Official eligibility lists a minimum net monthly income of ₹2.5 lakh. Approval below this threshold is uncommon and depends on overall credit profile and bank discretion.

A: Reward points can be redeemed via the AU 0101 mobile app, net banking, or by contacting customer care. In most cases 1 Reward Point equals ₹1.

A: Yes. You receive complimentary Taj Epicure membership when you achieve ₹12 lakh in annual retail spends on the card.

A: It stands out for its combination of very low 0.99% forex, generous lounge access (32 visits), lifestyle perks (movies, golf, meet & assist) and a metal card experience at a relatively competitive fee for the benefits offered.

A: No. The Ashva Credit Card has a joining fee of ₹2,999 + GST and an annual fee of ₹2,999 + GST with no standard lifetime-free option.

A: Currently zero or very low (around 1% in some references). It is significantly better than the typical 3.5% charged by many cards.

A: Up to 4 domestic lounge/spa visits and 2 international lounge visits per quarter (plus railway lounge access). Access is often subject to a minimum spend in the previous month.

A: 1 Reward Point = ₹0.40 when redeemed for hotel and flight bookings via the IDFC FIRST Bank app; ₹0.25 for other redemptions.

A: Yes. Eligible new cardholders can earn up to 7,500 reward points (once in a lifetime) through joining fee payment and spends of ₹20,000+ in the second and third statement cycles. Some offers also include early-spend cashback.

A: Yes. Buy 1 Get 1 free on movie tickets (up to ₹400), typically available twice a month subject to previous-month spend criteria.

A: Yes. The Ashva is a premium metal credit card.

A: Spend above ₹20,000 per cycle for 10X points, book hotels and flights via the IDFC FIRST Bank app for the highest multipliers, and redeem points for travel to unlock the ₹0.40 per point value.

A: There is no standard spend-based full waiver. High annual spends may unlock additional reward points as a benefit on fee payment.

A: Low spenders, those who rarely travel, or anyone seeking a completely free card should consider simpler lifetime-free options instead.

A: No. The Mayura Credit Card has a joining fee of ₹5,999 + GST and an annual fee of ₹5,999 + GST with no standard lifetime-free or easy spend-based waiver option.

A: 0% – there is zero foreign exchange markup on international transactions.

A: Up to 4 domestic (including guest) and 4 international lounge visits per quarter (16 each per year), usually subject to a minimum spend condition in the previous month.

A: 1 Reward Point = ₹0.50 when redeemed for hotel and flight bookings via the IDFC FIRST Bank app; ₹0.25 for other redemptions.

A: Yes. Eligible new cardholders can earn up to 12,000 reward points (once in a lifetime) through joining fee payment and spends of ₹20,000+ in the second and third statement cycles.

A: Yes. Buy 1 Get 1 free on movie tickets (up to ₹500), typically available twice a month subject to previous-month spend criteria.

A: Typically around ₹25 lakh per annum for salaried or self-employed applicants (confirm exact criteria during application).

A: There is no standard spend-based full waiver. High annual spends may unlock additional reward points as a benefit on fee payment.

A: Yes. The Mayura is a premium metal credit card.

A: Spend above ₹20,000 per cycle for 10X points, book hotels and flights via the IDFC FIRST Bank app for the highest multipliers, and redeem points for travel to unlock the ₹0.50 per point value.

A: No. There is no lifetime-free or spend-based waiver option. You pay ₹1,10,000 + GST every year.

A: Both joining fee and annual fee are ₹1,10,000 + applicable GST. The joining fee is charged after activation.

A: You receive two breakfast-inclusive nights at participating IHCL hotels across India plus one night (breakfast for two) at a Taj Palace. An extra Palace voucher offer is currently valid until 30 September 2026.

A: Yes. The card offers unlimited complimentary domestic and international airport lounge access globally, subject to the lounge programme terms.

A: No. Points convert only into the HSBC Taj Credit Card Wallet and can be used solely for rooms, F&B, spa and experiences at participating IHCL hotels.

A: 3.5% on foreign currency transactions (waived for HSBC India’s executive banking clients).

A: Indian residents (or existing HSBC India customers) aged 25–75 with minimum annual income of ₹36–40 lakhs (salaried) or ₹45–60 lakhs (self-employed) residing in selected serviceable cities.

A: Yes. Joining and annual fees for add-on cards are nil.

A: You receive up to 12 vouchers per year for yourself and one guest. Book via the dedicated HSBC / IHCL numbers provided after card activation.

A: No. It is restricted to a defined list of serviceable cities (Delhi-NCR, Mumbai, Bengaluru, Chennai, Hyderabad, Pune, Kolkata and several others).