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 |