| General |
| Brand | HDFC Bank |
| Best Suited For | Shopping |
| Welcome Benefits | Get a complimentary Shoppers Stop First Citizen Black membership worth Rs. 4,500 |
| Spend Based Waiver | NA |
| Fee and Charges |
| Joining fee | Rs. 4,500 + GST |
| Renewal Fee | Rs. 4,500 + GST |
| Interest Rate | 3.6% per month (or 43.2% annually) |
| Foreign Currency Markup | 3.5% (plus applicable taxes) |
| Cash Advance Charges | 2.5% of amount withdrawn or Rs. 500 whichever is higher |
| Add-on Card Fee | Nil |
| Rewards Redemption Fee | Nil |
| Movie & Dining |
| Movie & Dining | NA |
| Travel |
| Domestic Lounge Access | 16 complimentary lounge access at domestic airports (maximum 4 times in a quarter). |
| International Lounge Access | Complimentary Lounge Access at international airports - 8 times in a calendar year, maximum 2 times in a quarter |
| Fuel Surcharge | Fuel surcharge waiver of 1%, maximum up-to Rs. 500 per statement cycle, at all the petrol pumps across India |
| Other travel benefits | |
| Shopping |
| Rewards Rate | Earn 20 First Citizen Points on every Rs. 150 spent on Shoppers Stop Private Label brands, 15 First Citizen Points on every Rs. 150 spent on all other Shoppers Stop brands & 5 First Citizen Points on every Rs. 150 spent on all retail transactions. |
| Rewards Redemption | |
| Insurance and protection |
| Insurance Benefits | Get accidental air death cover up to Rs. 3 crore, emergency overseas hospitalization for up to Rs. 50 lakh, and credit liability up to Rs. 9 lakh. |
| Zero Liability Protection | For any fraudulent transaction post the loss of the card, the cardholder will not be liable if the loss of card is reported to the 24-hour call centre immediately. |
| Golf |
| Golf | NA |
