The JetPrivilege HDFC Bank World Credit Card is one of the 4 cards offered by HDFC Bank in partnership with Jet Airways. The other three cards are JetPrivilege HDFC Bank Select/Titanium, JetPrivilege HDFC Bank Platinum, and JetPrivilege HDFC Bank Diners Club. Among these credit cards, the Select/Titanium card has the least benefits whereas Diners Club card offers the most benefits. Furthermore, the Jet Privilege HDFC World Card is only second to the Diners Club card and offers comparable benefits.
FinTown Rating: 3/ 5
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The JetPrivilege HDFC Bank World Credit Card offers many benefits. Let us compare the pros and cons of this credit card to get the whole picture.
Pros & Cons:
|Reasons to Choose||Reasons to Avoid|
|Joining bonus and renewal benefit||High interest rate|
|Base Fare Waiver||No golf privileges|
|Airport Lounge Access|
Rewards & Benefits – JetPrivilege HDFC World Credit Card:
With the JetPrivilege HDFC Bank World Credit Card, one will have access to the following benefits:
- Welcome Benefit:
- One way (base fare waived) Jet Airways ticket
- 3750 Bonus JPMiles with first card purchase within 3 months of card issue
- 3750 Bonus JPMiles with a spend of INR 75,000 within first 3 months of card issue
- Renewal Fee Waiver: INR 2500 in fee waived if previous year spend is greater than INR 3 Lakhs
- Renewal Benefit:
- 3,000 JPMiles on first swipe of your card
- One way (base fare waived) Jet Airways ticket
- INR 750 discount on the return ticket
- JPMiles Program:
- 18 JP Miles for every Rs. 150 spent on Jet Airways official website
- 6 JPMiles for every Rs 150 spent on Retail
- Tier Points: Get one ‘Tier Point’ in your JetPrivilege Frequent Flyer Membership on every INR 2,00,000 spent
- Airport lounge access:
- International – 5 complimentary visits through Priority Pass Membership
- Domestic – 4 access passes per quarter through VISA or Mastercard programs
- Fuel Surcharge Waiver: Up to 1% waived
- Jet Airways Discount: 5% Discount on base fare for tickets booked on Jet Airways
Is the rewards rate good?
You earn 18 JP Miles for every INR 150 spent on Jet Airways official website and 6 JPMiles for every INR 150 spent on Retail spends. Additionally, you can transfer in multiples of 100 JP miles at INR 1.25 per JP mile. The rewards rate is very appealing, considering the advantages of the JetPrivilege membership.
Is this card for you?
This credit card is for you if you don’t have a specific preference for an airline. Moreover, you can choose from Jet Airways, Etihad or 20+ partner airlines. Additionally, you should be aware that you can only accrue JPMiles and not earn any other rewards or cash back. Furthermore, this should not be your first credit card and you should make use of one or two other credit cards to reap full benefits from credit cards.
How to redeem rewards?
Since you earn JPMiles on all your spends, you can redeem these miles to book an Award Flight with Jet Airways, Etihad Airways or one of our 20+ Airline Partners. Redemptions start as low as 5,000 JPMiles for domestic and 6,000 JPMiles for international Award Flights on Jet Airways. An award ticket is a cost-free ticket that can be purchased only with JP miles, with extra service charges and basic fare. Furthermore, to redeem JPMiles, log in to this page. Additionally, a request for any type of change/cancellation to the award ticket booked will attract a service charge in the form of JPMiles. Such changes include date change, sector change, cancellation of an award ticket, etc. The request will be processed and a service charge of 750 JPMiles will be debited from the member’s account towards this change.
You can also get a cabin upgrade using your JPMiles or you can choose a reward at its reward store. Furthermore, JP Miles have come with a new idea of donations where some of the JP miles can be utilized to buy the donation card of a specified amount, which is transferred by jet airways to the concerned trust. Moreover, you can also buy direct gift vouchers from Jet privilege shopping option and gift them, which can be used later. You can also gift your JP miles to any other member of the Jet Privilege Program, a minimum 500 JP miles and after that, you can transfer in multiples of 100 JP miles at INR 1.25 per JP mile.
How to make the most of this JetPrivilege card?
To make the most of your credit card, you should do the following things:
- Make your first card purchase within 3 months of card issuing to get 3750 Bonus JPMiles
- Spend INR 75,000 within the first 3 months of card issuing to get 3750 Bonus JPMiles
- For all Jet Airways purchases, make sure you use this card to get 18 JPMiles per Rs. 150 in spend
- Spend INR 3 lakhs per year to save INR 2500 in annual fee
Jet Privilege HDFC Bank World Credit Card – Payments & Fees:
||INR 2,500 + GST|
|Renewal Fee||INR 5,000 + GSTSpend INR 5 Lakh in 12 Months and get Renewal Fee waived for next renewal year|
|Foreign Transaction mark-up fee||2% of the transaction amount|
|Cash Withdrawal Fee||2.5% or Rs. 300, whichever is higher|
|Overlimit Fee||2.5% of the over limit amount subject to a minimum of INR 500|
|Late Payments Fee||INR 100- INR 750(depends on the amount due)|
|Rewards Redemption Fee||INR 75|
|Credit Card Replacement Fee||INR 100|
|Railway Ticket Surcharge Fee||1.8% of the transaction amount + GST|
Terms & Conditions Explained:
- Grace Period: Interest free period of 50 days
- Validity of reward points: Points are valid for 3-5 years from the date of accumulation
- Forex Fee: Foreign currency markup fee of 2%
Application – Eligibility and Documents:
- Applicant’s age should fall in the range of 21-60 years (salaried individuals)
- Applicant’s age should fall in the range of 21-65 years (self-employed individuals)
- KYC-PAN, Address proof and ID Proof
- One photograph
- Salary slip/Form 16
- A good credit history
Find Fintown’s List of India’s BEST CREDIT CARDS in 2018 [Best Offers]
Which other cards should you look at?
Air India SBI Signature Credit Card
A comparable alternative for the JetPrivilege HDFC Bank World Credit Card is the Air India SBI Signature Credit Card which provides airline-specific benefits like the HDFC Card for Air India. With 30 reward points in benefits for every INR 100 spent on Air India tickets and 4 reward points for spending on all other categories, this SBI card is a good alternative for those who do more flying on Air India compared to Jet Airways. While the Annual Fee is higher at INR 4,999, the Air India SBI Card offers great value for Air India frequent flyers. One of its best features is the 20,000 reward points that you get as welcome bonus.
Jet Privilege HDFC Bank Diner’s Club Credit Card:
The Jet Privilege HDFC Bank Diner’s Club Credit Card targets high-income individuals. Although it is limited to Jet Airways, the offers that it provides is quite impressive. On swiping your card in the first 90 days, you get 15,000 miles that can be used for any purchase. Moreover, you can use these miles to purchase tickets on the website of Jet Airways. You should note that you need to spend INR 1,50,000 to qualify for the intro bonus. You can also get 8 JP Miles for every INR 150 spent on retail spends. However, the minimum transaction amount should be INR 150. Additionally, you get unlimited golf games access to elect golf courses in India and abroad. However, you need to book in advance. Lastly, you would also enjoy 5% discounts on dining bills with this card.
The JetPrivilege HDFC Bank World Credit Card offers an appealing JPMiles Programme along with attractive airport lounge benefits. Additionally, the foreign currency markup fee on this card is very low. However, you might want to take a look at Air India SBI Signature Credit Card, if you are a frequent Air India traveller. Additionally, if you are willing to pay a bit more for the annual fee, you can choose the Diners Club variant of this card offered by HDFC.
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