| General |
| Brand | HDFC Bank |
| Best Suited For | Shopping |
| Welcome Benefits | 1,000 CashPoints as a Welcome Benefit. |
| Spend Based Waiver | The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year. |
| Fee and Charges |
| Joining fee | Rs. 1,000 + GST |
| Renewal Fee | Rs. 1,000 + GST |
| Interest Rate | 3.6% per month (or 43.2% per annum) |
| Foreign Currency Markup | 3.5% (plus applicable taxes) |
| Cash Advance Charges | 2.5% of the transaction amount, subject to a minimum fee of Rs. 500 |
| Add-on Card Fee | Nil |
| Rewards Redemption Fee | Rs. 99 per redemption request (plus applicable taxes) |
| Movie & Dining |
| Movie & Dining | Up to 20% discount at partner restaurants with complimentary Swiggy Dineout |
| Travel |
| Domestic Lounge Access | 1 Domestic Airport Lounge Access Every Quarter (4 Each Year) |
| International Lounge Access | N/A |
| Fuel Surcharge | 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle. |
| Other travel benefits | |
| Shopping |
| Rewards Rate | 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions) |
| Rewards Redemption | |
| Insurance and protection |
| Insurance Benefits | N/A |
| Zero Liability Protection | Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank. |
| Golf |
| Golf | N/A |
