Best Credit Card

All Benefits

  • Earn 2 CashPoints on every ₹150 spent; 1 CashPoint = up to ₹0.25; capped at 15,000 CashPoints per statement cycle
  • Earn 10X CashPoints on Bill payments (Payzapp & SmartPay), Income Tax/Advance Tax, GST payments, hotel & flight bookings via MMT MyBiz, business productivity tools (Tally, Office 365, AWS, Google, Azure etc.) via SmartBuy BizDeals, DMart & Cleartax; applicable on minimum spends of ₹10,000 in a statement cycle; capped at 1,500 CashPoints per statement cycle
  • Earn 2,000 CashPoints on ₹1,00,000 quarterly spends
  • Assured cashback up to ₹1,800 in the first year and e-vouchers worth up to ₹800 on adding 2 or more bills on SmartPay
  • Maximum earning capped at 15,000 CashPoints per statement cycle
  • Get Up to 50% booking payable via CashPoints for travel bookings

Fees

Joining Fee Gift voucher worth ₹250 on making one transaction within the first 37 days of card issuance, redeemable on Amazon, Swiggy, and more.
₹590
₹500 + GST
Annual Fee The annual fee is waived if you spend ₹1,00,000 or more in a year on your card, as per bank policy.
₹590
₹500 + GST

Eligibility

Age
21-60 years
Salary
₹33.3K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR) Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge On IRCTC, the current matrix typically charges 1.0% + applicable taxes for domestic credit cards, international cards ~3.5% + taxes.
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment Outstation cheque processing charges are ₹25 for cheque value up to ₹5,000 and ₹50 for cheque value above ₹5,000.
₹25
Cash Payment A fee of ₹100 is charged for making credit card payments in cash at HDFC Bank branches or ATMs.
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹1000₹500
₹1001 - ₹5000₹600
₹5001 - ₹10000₹750
₹10001 - ₹25000₹900
₹25001 - ₹50000₹1100
₹50000+₹1300

Late payment charges depend on your outstanding amount, ranging from ₹0 to ₹1300. Higher outstanding balances attract higher penalties if the minimum amount due is not paid on time.

Reward Exclusions

Rent PaymentFuel SpendsInsurance PaymentsEMI SpendsATM Cash WithdrawalsJewellery PurchasesEducation SpendsGovernment-related TransactionsWallet transactionsLoad MoneyBank Charges & FeesAll ReversalsGambling TransactionsToll PaymentsSecurity Broker ServicesCharityRailwaysBalance TransferFinancial Charges

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.

Full charges and terms: Bank MITC / Terms