| General |
| Brand | HDFC Bank |
| Best Suited For | Shopping |
| Welcome Benefits | A voucher worth Rs. 500 as a welcome gift can be redeemed on a minimum spend of Rs. 3000 at Shoppers Stop stores. |
| Spend Based Waiver | NA |
| Fee and Charges |
| Joining fee | Nil |
| Renewal Fee | Nil |
| Interest Rate | 3.6% per month or 43.2% per annum |
| Foreign Currency Markup | 3.5% on conversion amount (plus tax) |
| Cash Advance Charges | 2.5 % of the transaction amount subject to a minimum charge of Rs 500. |
| Add-on Card Fee | NA |
| Rewards Redemption Fee | NA |
| Movie & Dining |
| Movie & Dining | N/A |
| Travel |
| Domestic Lounge Access | NA |
| International Lounge Access | NA |
| Fuel Surcharge | Cardholders get a 1% fuel surcharge waived (up to Rs. 250 per statement cycle), across all petrol stations in India. |
| Other travel benefits | |
| Shopping |
| Rewards Rate | Earn 6 First Citizen Points on every Rs.150 spent on Private Label Brands and 2 First Citizen Points on every Rs.150 spent on all other retail transactions except fuel and wallet. |
| Rewards Redemption | |
| Insurance and protection |
| Insurance Benefits | NA |
| Zero Liability Protection | Cardholder shall not be liable for any fraudulent transaction done on the card post reporting the loss of card to the bank. |
| Golf |
| Golf | NA |
