Compare : YES Private Credit Card vs HDFC Infinia Credit Card

2 lakh Reward points as welcome bonus

Oberoi e-gift vouchers of Rs. 9,000 on joining and annual fee payment

50,000 Reward points on spending Rs. 10 lakh within 90 days of card setup

Complimentary Club Marriott membership for a year (with up to 20% off on dining and stays across Asia-Pacific region)

Bonus 12,500 reward points upon fee payment

40 Reward points per Rs. 200 spent internationally

20 Reward points per Rs. 200 spent on domestic purchases

1 Reward point = Up to Rs. 0.25

5 reward points on every Rs. 150 spent, including insurance, utilities and education​

10x reward points on travel and shopping spends on Smartbuy

1 reward point = Rs. 1 for flight & hotel bookings, Apple products and Tanishq vouchers via Smartbuy

1 reward point = 1 air mile

1 reward point = Rs. 0.30 for cashback redemption & up to Rs. 0.50 across product catalogue

Unlimited access to domestic airport lounges on Rs. 35,000 quarterly spends and international lounges with 12 guest visits to each domestic & international lounges per year

Unlimited complimentary lounge access across 1,000+ airport lounges within and outside India

Welcome benefit compensates the high joining fee of Rs. 50,000

Premium travel and lifestyle perks

Low forex mark-up fee of 0.5%

Unlimited domestic and international lounge access for primary and add-on cardholders

3.33% value-back across all spending categories, including insurance, utilities and education

Unlimited domestic and international lounge access for primary and add-on users

Unlimited complimentary golf games at select golf courses of India and abroad

Stay and dining benefits at participating ITC hotels

Flat 15% discount on dining via Swiggy Dineout

Low reward redemption value of Rs. 0.25

Only high-spenders can make the most of the rewards program

High annual fee of Rs. 10,000

Forex mark-up fee could have been lower as several premium and mid-range cards charge lower fee

Complimentary Club Marriott membership is limited to the first year

Those who travel extensively and are looking for a super-premium card with low forex mark-up, luxury complimentary travel services and high rewards earnings with savings on other lifestyle-related spends

This invite-only card is suitable for high spenders who put most of their shopping and travel spends on their credit card