Fees & charges
| Joining fee | ₹500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹500 + applicable taxes |
| Renewal-fee waiver | Renewal fee waived on ₹50,000 non-EMI annual spend; first-year fee waived on ₹30,000 non-EMI spend within first 90 days |
| Network | VISA Visa |
Rewards & benefits
| Reward rate | 3% CashPoints on Paytm (Mall + Movies + Mini App); 2% CashPoints on all other Paytm spends (cap 500/month); 1% CashPoints on all other retail spends (cap 1000/month) |
|---|---|
| Welcome benefit | Complimentary Paytm First Membership (on min ₹100 transaction) |
| Lounge access | None stated on the base-card page |
| Key benefits | Entry-level co-branded cashback card: up to 3% CashPoints on Paytm and 1% on all other retail spends, 1% fuel-surcharge waiver, up to ₹1,200 annual milestone cashback, zero cash-withdrawal charges up to ₹10,000, and Dineout dining discounts. |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 500MITC v4.3, fee table L528-536 | ₹500 + applicable taxes | ✓ |
| Fee waiver (min spend) | Rs.30,000 within 90 days for 1st year membership fee and Rs.50,000 / Annum for renewal feeMITC v4.3, fee table L528-536 | Renewal fee waived on ₹50,000 non-EMI annual spend; first-year fee waived on ₹30,000 non-EMI spend within first 90 days | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L528-536 | 1% fuel-surcharge waiver | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L528-536 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 3% CashPoints on Paytm (Mall + Movies + Mini App); 2% CashPoints on all other Paytm spends (cap 500/month); 1% CashPoints on all other retail spends (cap 1000/month) | • |
| Welcome benefit | Not in MITC | Complimentary Paytm First Membership (on min ₹100 transaction) | • |
| Lounge access | Not in MITC | None stated on the base-card page | • |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
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