Best Credit Card

All Benefits

  • Earn 1% unlimited cashback on eligible everyday spends
  • 5% cashback on HDFC SmartBuy, and 1% cashback on UPI spends RuPay variant, capped at 500 CashPoints month
  • Also available as an FD-backed card credit limit up to 90% of FD value no income proof
  • interest-free period up to 50 days

Fees

Joining Fee The ₹250 + GST joining fee is waived on spends of ₹10,000 within the first 90 days of card issuance
Free
Lifetime Free
Annual Fee The annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy
Free
Lifetime Free

Eligibility

Age
21-60 years
Salary
₹12K / 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 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR) Finance charges of 3.60% per month (43.20% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.60%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount subject to a minimum of ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment ₹100 cash payment fee per deposit
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹1,000₹500
₹1,001 - ₹5000₹600
₹5001 - ₹10,000₹750
₹10,001 - ₹25,000₹900
₹25,001 - ₹50,000₹1100
₹50,001 and above₹1300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Reward Exclusions

FuelEMIRentE-Wallet LoadingGovernment Transactions

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms