Compare Cards

Joining Fee

Rs 500 (plus applicable taxes)

Joining Fee

Rs. 250 plus taxes

Joining Fee

Rs. 1,000 (plus applicable taxes)

Joining Fee

Rs. 2,500 (plus applicable taxes)

Welcome Benefits

Get 500 Cash Points.

Welcome Benefits

NA

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

Welcome Benefits

2,500 bonus Reward 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%.

Rewards Rate

3% Cashpoints on groceries, dining, and supermarket spends

2% Cashpoints on utility spends

1% Cashpoints on other spends, with some exclusions

Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)

Rewards Rate

4 reward points every time one spends Rs. 150.

Movie & Dining

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

Movie & Dining

3% Cashpoints on Dining spends

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy Dineout

Movie & Dining

Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.

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

Reward Redemption

The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25

Reward Redemption

Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.

Reward Redemption

1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.

Travel

N/A

Travel

NA

Travel

8 Complimentary airport lounge access every year, 2 per quarter

Travel

Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.

Golf

N/A

Golf

NA

Golf

N/A

Golf

N/A

Domestic Lounge

N/A

Domestic Lounge

NA

Domestic Lounge

2 complimentary visits per quarter. (8 in a year)

Domestic Lounge

12 free airport lounge access per year within India.

International Lounge

N/A

International Lounge

NA

International Lounge

N/A

International Lounge

6 airport lounge access every year outside India through the Priority Pass.

Insurance Benefits

N/A

Insurance Benefits

NA

Insurance Benefits

N/A

Insurance Benefits

Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.

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

Zero Liability Protection

Cardholders are not liable for fraud transactions if they report about the card loss or theft in a timely manner

Zero Liability Protection

Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.

Zero Liability Protection

You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.

Joining Fees

Rs 500 (plus applicable taxes)

Joining Fees

Rs. 250 plus taxes

Joining Fees

Rs. 1,000 (plus taxes)

Joining Fees

Rs. 2,500 + taxes

Renewal Fee

Rs 500 (plus applicable taxes)

Renewal Fee

Rs. 250 plus taxes

Renewal Fee

Rs. 1,000 (plus taxes).

Renewal Fee

Rs. 2,500 + taxes

Spend Based Waiver

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

Spend Based Waiver

Renewal fee is waived off on spending Rs.25,000 or more in the previous year

Spend Based Waiver

The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.

Spend Based Waiver

Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 plus taxes

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Rewards Redemption Fee

Rs 99 (plus applicable taxes)

Foreign Currency Markup

3.5% per currency conversion (plus applicable taxes)

Foreign Currency Markup

3.5% of the transactions amount

Foreign Currency Markup

3.5% (plus applicable taxes)

Foreign Currency Markup

2% on all foreign currency transactions.

Interest Rates

3.6% per month (43.2% per annum)

Interest Rates

3.6% per month or 43.2% per annum

Interest Rates

3.6% per month (or 43.2% per annum)

Interest Rates

3.6% per month or 43.2% annually

Fuel Surcharge

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

Fuel Surcharge

NA

Fuel Surcharge

1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.

Cash Advance Charges

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

Cash Advance Charges

2.5% of the withdrawal amount or Rs. 500, whichever is higher

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum fee of Rs. 500

Cash Advance Charges

2.5% of the transaction amount or Rs. 500 (whichever is higher)

Add-on Card Fee

Nil

Add-on Card Fee

Nil

Add-on Card Fee

Nil

Add-on Card Fee

Nil