Redeem Reward Points for Flights & Hotels (₹0.50/RP), Airmiles (0.5 mile/RP), Catalogue (up to ₹0.35/RP), or Cashback (₹0.20/RP)
Complimentary annual membership of Swiggy One & Times Prime
On spending ₹75,000 within 90 days of card issuance
Get 2 complimentary airport lounge visits worldwide per quarter
Valid for primary and add-on cardholders
Lounge list available on Diners Travel Tools App
Air Accident Insurance cover of USD 125,000
Emergency overseas hospitalization cover of USD 31,250
Baggage delay cover of USD 625 (for 8+ hours delay)
Credit liability cover up to ₹9 lakh
Fees
Joining FeeThe joining fee is not offset by any bonus or credit
₹1,180
₹1,000 + GST
Annual FeeThe annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST
Eligibility
Age
21-60 years
Salary
₹35K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% 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)3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45%
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge1% of the transaction amount + GST for railway ticket purchases.
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentFor Cheque value upto ₹5,000 - ₹25 and for above ₹5,000 - ₹50
₹50
Cash PaymentHDFC Bank levies a ₹250 + GST fee per cash payment made at a branch
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
No Rewards On
Rent PaymentFuelEMI TransactionsCash WithdrawalsSchool & Educational ServicesGovernment Related TransactionsWallet TransactionsGST ChargesGamblingTollsSecurityBroker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges
Excluded Spends
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
