Best Credit Card

All Benefits

  • Earn 5 Reward Points for every ₹150 spent
  • Earn up to 10X Reward Points on hotels via SmartBuy
  • Up to 50 days of interest-free credit from date of purchase
  • Ability to convert large transactions to SmartEMI after purchase
  • Contactless payments
  • 10,000 Reward Points on spending ₹4L in a calendar quarter
  • Simple card management via HDFC Bank MyCards

Fees

Joining Fee N/A
₹11,800
₹10,000 + GST
Annual Fee The annual fee is waived if you spend ₹5 lakh or more in a year on your card, as per bank policy.
₹11,800
₹10,000 + GST

Eligibility

Age
21-60 years
Salary
₹2.5L / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 2% 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 (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR) Interest is charged at 1.99% per month (23.88% per annum) on unpaid balances
1.99%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge A railway ticket purchase fee of strong 1% of the transaction amount plus GST
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 applicable as follows: Cheque value up to ₹5,000: ₹25 Cheque value above ₹5,000: ₹50
₹50
Cash Payment A cash processing fee of strong ₹100 strong is charged for credit card payments made 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
Above ₹50000₹1300

An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.

Reward Exclusions

Rent PaymentFuelEMI TransactionsCash WithdrawalsSchool & Educational ServicesGovernment Related TransactionsWallet Transactions - Load Money FeesGST ChargesGamblingTollsSecurityBroker ServicesCharityRailwaysUtility Bill PaymentsBalance 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