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Joining Fee

Rs 500 (plus applicable taxes)

Welcome Benefits

Get 500 Cash Points.

Rewards Rate

4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spend, reward rate of up to 0.67%.

Movie & Dining

Exclusive dining benefits with the Good Food Trail program. Save up to 20% on your restaurant bills through Swiggy Dineout

Reward Redemption

1 Reward Point = Rs 0.20 for redemption against the statement balance. 1 Reward Point = Rs. 0.25  for redemption through Smartbuy Rewards portal

Travel

N/A

Golf

N/A

Domestic Lounge

N/A

International Lounge

N/A

Insurance Benefits

N/A

Zero Liability Protection

Zero Liability Protection cover is provided by the HDFC bank against fraudulent transactions on your credit card if the loss is reported immediately within a stipulated time to the 24-hour HDFC Customer helpline

Joining Fees

Rs 500 (plus applicable taxes)

Renewal Fee

Rs 500 (plus applicable taxes)

Spend Based Waiver

The renewal fee is waived off on spending Rs. 50,000 or above in the previous year.

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Foreign Currency Markup

3.5% per currency conversion (plus applicable taxes)

Interest Rates

3.6% per month (43.2% per annum)

Fuel Surcharge

1% fuel surcharge waiver on all your fuel transactions using this credit card at all petrol pumps across India

Cash Advance Charges

2.5% of the withdrawal amount subject to a minimum charge of Rs 500

Add-on Card Fee

Nil