All Benefits
- 3 Reward Points for every ₹150 spent
- 50% more Reward Points on dining spends at select premium restaurants
- Get ₹1,000 cashback on shopping in-app across 200+ brands via PayZapp
- 1,000 Reward Points as renewal benefit every year
Fees
Joining Fee
Not Applicable
Free
Lifetime Free
Annual Fee
The annual fee is waived if you spend ₹75 thousand or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST
Eligibility
Age
21-60 years
Salary
₹25K / 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)
Interest of 3.6% per month (43.2% annually) is charged if the total amount due is not paid by the due date
3.60%
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2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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
A surcharge of 1% of the transaction amount is applicable on railway ticket bookings made through IRCTC or railway counters
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
A fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment
A cash processing fee of ₹100 is charged for making cash payments towards the credit card outstanding at HDFC Bank branches GST will be applicable over and above the cash processing fee
₹100
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0–₹100 | ₹0 |
| ₹101–₹500 | ₹100 |
| ₹501–₹5,000 | ₹500 |
| ₹5,001–₹10,000 | ₹600 |
| ₹10,001–₹25,000 | ₹800 |
| ₹25,001–₹50,000 | ₹1,100 |
| ₹50,001+ | ₹1,300 |
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
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