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 |