Earn 5% of spends as Fuel Points at IndianOil outlets
Earn up to 50 litres of free fuel annually
Earn 5% Fuel Points on groceries and bill payments (POS & online), capped at 100 Fuel Points per month per category
Earn 1 Fuel Point for every ₹150 spent on other purchases, including UPI transactions, with a cap of 250 Fuel Points per month in the first 6 months and 150 Fuel Points per month thereafter
Fees
Joining FeeNot Applicable
₹590
₹500 + GST
Annual FeeNot Applicable
₹590
₹500 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% 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 (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)3.6% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.2%
3.60%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge1% of the transaction amount + GST will be charged on Railway Ticket Purchases
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹100 is charged for payments made through cheque
₹100
Cash PaymentCash payment of credit card dues at HDFC Bank branches or authorized locations may attract a service fee of ₹100 as per bank norms
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹600
₹10001 - ₹25000
₹800
₹25001 - ₹50000
₹1100
₹50001 - and above
₹1300
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date
Reward Exclusions
EMI transactionsPurchases converted to EMI post factoWallet loading transactionsPurchase of Jewelry itemsCash advancesPayment of outstanding balancesPayment of card fees and other card chargesRental PaymentsGovernment servicesInsurance servicesEducation servicesUtility Spends that are not done on Airtel Thanks platform
Terms & Conditions
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
