| General |
| Brand | HDFC Bank |
| Best Suited For | Shopping |
| Welcome Benefits | 499 NeuCoins |
| Spend Based Waiver | The renewal fee of Rs. 499 is eligible for a waiver if the cardholder spends an amount increasing Rs. 1 Lakh in the previous year. |
| Fee and Charges |
| Joining fee | Rs. 499 + GST |
| Renewal Fee | Rs. 499 + GST |
| Interest Rate | 3.75% per month (45% annually) |
| Foreign Currency Markup | 3.5% on the cross currency transactions |
| Cash Advance Charges | Higher of 2.5% of the amount withdrawn or Rs. 500. |
| Add-on Card Fee | Nil |
| Rewards Redemption Fee | Rs. 99 per redemption request |
| Movie & Dining |
| Movie & Dining | NA |
| Travel |
| Domestic Lounge Access | 4 complimentary visits to the domestic airport lounges, limited to 1 visit per quarter. |
| International Lounge Access | NA |
| Fuel Surcharge | 1% of the fuel surcharge will be waived off on fuel transactions. |
| Other travel benefits | |
| Shopping |
| Rewards Rate | 2% & 1% cashback in the form of NeuCoins while shopping on Tata and non-Tata Brands respectively. Additional 5% back as NeuCoins on the Tata Neu app or website. |
| Rewards Redemption | |
| Insurance and protection |
| Insurance Benefits | NA |
| Zero Liability Protection | Cardholders will not be held liable for any fraudulent transaction that takes place through their credit card in the event of loss or theft of the card if the same is reported to the bank within 7 days from the date of loss or theft. |
| Golf |
| Golf | NA |
