Earn 5% cashback on business essential spends including telecom, utility, government and tax payments
Save 1.6% on fuel spends, capped at ₹1,000 per statement cycle
Earn 1% additional savings on all online purchases
2,500 bonus Reward Points on annual spends of ₹1.8 lakh
Flat 10% extra off on dining bills at 35,000+ partner restaurants
Fees
Joining FeeThe joining fee is not offset by any bonus or credit.
₹590
₹500 + GST
Annual FeeThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
₹590
₹500 + GST
Eligibility
Age
21-65 years
Income
₹50K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.50%): ₹100 → ₹3.50 ₹1,000 → ₹35.00 ₹10,000 → ₹350.00 ₹1,00,000 → ₹3,500.00
3.50%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.75%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500
2.50%
Reward Redemption₹99 plus applicable GST is charged per redemption request
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets.₹10 is charged per transaction for bookings via IRCTC
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions. Fee capped at ₹3,000 per transaction
1%
Cheque Payment₹25 for cheque amounts up to ₹5,000 ₹50 for cheque amounts above ₹5,000
₹25
Cash PaymentA fee of ₹100 is charged for payments made by depositing cash at HDFC Bank branches or ATMs
₹100
Late Payment Charges
Amount due
Fee
₹0–₹100
₹0
₹101–₹500
₹100
₹501–₹1,000
₹500
₹1,001–₹5,000
₹600
₹5,001–₹10,000
₹750
₹10,001–₹25,000
₹900
₹25,001–₹50,000
₹1,100
Above ₹50,000
₹1,300
An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleare
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
