Year-two value / 9 matches

Renewal benefits

Cards that return points, hotel awards or fee value when renewed or after annual spend.

A fee waiver and a renewal gift are different benefits; some cards offer one but not the other.

01 / Diners Club

HDFC Marriott Bonvoy

HDFC Bank

Why it qualifies

Free Night Award worth up to 15,000 Marriott points on renewal

Renewal-fee payment and award validity rules apply. Standard FNA, Silver and elite-night benefits apply to qualifying paid cards; lifetime-free exceptions are excluded.

Card highlights

Welcome: Paid card: 15K-point Free Night Award after activation condition
Status: Paid card: Silver Elite + 10 elite nights/year; LTF exceptions excluded
Lounge: 12 India + 12 overseas/year, shared primary/add-ons

View card details Apply for HDFC Marriott Bonvoy

02 / Mastercard World Elite

ICICI Emeralde Private

ICICI Bank

Why it qualifies

12,500 reward points on eligible renewal

Renewal-fee payment and ICICI programme terms apply.

Card highlights

Base: 6 RP per Rs 200, about 3% reward value
iShop: 6X flights/vouchers, 12X hotels; bonus cap 18K/month, 10K/day
Welcome: 12,500 RP after joining-fee payment + Taj Epicure Plus

View card details View eligibility for ICICI Emeralde Private

03 / Visa Infinite

IndusInd Avios

IndusInd Bank

Why it qualifies

5,000 Avios on eligible renewal

Renewal-fee payment and issuer terms apply.

Card highlights

Welcome: 20,000 bonus Avios on joining fee payment
Travel: 6 Avios/Rs 200 at preferred destination POS
Airlines: 5 Avios/Rs 200 on Qatar or British Airways

View card details Apply for IndusInd Avios

04 / Mastercard World

HSBC TravelOne

HSBC Bank

Why it qualifies

Annual fee reversed above Rs 8L anniversary-year spend

Only eligible spend counts towards the waiver.

Card highlights

Partners: 20 transfer partners (incl. Marriott & Accor)
Earn: 2 RP/₹100 regular; portal flights 16 RP and hotels 24 RP, capped at 18K RP/month
Offers: Travel merchant discounts depend on current offer dates, booking caps and coupon eligibility

View card details Apply for HSBC TravelOne

05 / Visa Signature

HDFC Regalia Gold

HDFC Bank

Why it qualifies

Renewal fee waived at Rs 4L annual spend

Eligible anniversary-year spend applies.

Card highlights

Travel Rewards: SmartBuy travel/voucher accelerators; check current card-specific multiplier and caps
Brand Rewards: 5X on selected brands including Myntra, Nykaa, Reliance Digital & M&S, subject to caps
Accor transfer: 2 HDFC Reward Points = 1 ALL Reward point, subject to partner terms

View card details Apply for HDFC Regalia Gold

06 / Diners Club

HDFC DCB Metal

HDFC Bank

HDFC Diners Club Black Metal Credit Card

Why it qualifies

Renewal fee waived at Rs 8L annual spend

Eligible anniversary-year spend applies.

Card highlights

Base: 5 RP per Rs 150, about 3.3% travel value
SmartBuy: SmartBuy accelerators; bonus cap 10K/month and 10K/day
Milestone: 10,000 RP at Rs 4L calendar-quarter spends

View card details Apply for HDFC DCB Metal

07 / Visa Infinite

HDFC Infinia

HDFC Bank

Why it qualifies

Renewal fee waived at Rs 10L annual spend

Eligible anniversary-year spend applies.

Card highlights

SmartBuy: SmartBuy accelerators; bonus cap 15K RP/month, live rates apply
SmartBuy cap: Up to 15,000 bonus RP per month
Lounge: Unlimited domestic + international access

View card details View eligibility for HDFC Infinia

08 / American Express

Amex Platinum Reserve

American Express

Why it qualifies

Renewal fee waived at Rs 10L annual spend

Eligible annual spend and Amex fee-waiver terms apply.

Card highlights

Welcome: 11,000 MR after fee + Rs 30k spend in 90 days; extra referral incentives are offer-dependent and must be confirmed live
Rewards: 2 MR points / Rs 100 6 MR points / Rs 100 on ShopWise
Transfers: Airline/hotel transfers; confirm current India catalogue ratios

View card details Check availability for Amex Platinum Reserve

09 / Visa Signature

BPCL SBI Octane

SBI Card

Why it qualifies

Renewal fee waived at Rs 2L annual spend

Eligible annual spend rules apply.

Card highlights

Fuel: Up to 7.25% within BPCL caps; RuPay UPI fuel excluded
Sweet spot: Best at ₹5k-₹10k fuel/month
Yearly value: Around ₹8,700/year fuel upside

View card details Apply for BPCL SBI Octane

These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.

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