Earn 2% CashPoints on utility bill payments, capped at 500 CashPoints per calendar month
Earn 1% CashPoints on all other eligible spends; capped at 500 CashPoints per calendar month.
Link the virtual credit card to any UPI app and earn CashPoints on eligible UPI transactions across Google Pay, PhonePe, Paytm and more
Get up to 50 days of interest-free credit on retail purchases and save on the renewal fee by spending ₹25,000 or more in the previous year
Earn 3% CashPoints on groceries, supermarkets, dining (MCC 5812, 5814) and all PayZapp transactions; capped at 500 CashPoints per calendar month
Fees
Joining FeeThe joining fee is not offset by any bonus or credit.
₹117
₹99 + GST
Annual FeeThe annual fee is waived if you spend ₹25 thousand or more in a year on your card, as per bank policy.
₹117
₹99 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
700+
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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets.₹10 is charged per transaction for bookings via IRCTC
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 Payment₹25 for cheque value up to ₹5,000 and ₹50 for cheque value above ₹5,000
₹25
Cash Payment₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1000
₹400
₹1001 - ₹10000
₹750
₹10000 - ₹25000
₹950
₹25001- ₹50000
₹1100
₹50001 and above
₹1300
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date.
Reward Exclusions
Fuel SpendsEMI SpendsWallet LoadsJewellery PurchasesCash AdvancesPayment of outstanding balancesBank Charges & FeesRent PaymentGovernment-related TransactionsInsurance PaymentsEducation SpendsUtility Bill Payments
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
