Fees & charges
| Joining fee | ₹999 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹999 + applicable taxes |
| Renewal-fee waiver | ₹2 lakh annual spend (excludes cash advances, fees/charges, EMI) |
| Network | RuPay RuPay |
Rewards & benefits
| Reward rate | 10% RP on PhonePe recharges/bills & travel (cap 1000 RP/mo); 5% on select online brands—Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato (cap 500 RP/mo); 1% on all RuPay-CC-on-UPI scan & pay (cap 500 RP/mo); up to 2000 RP/mo; 1 RP = ₹1 as statement cashback (₹0.3 on SmartBuy), max ₹7,500 cashback/month |
|---|---|
| Welcome benefit | ₹499 PhonePe Gift Card on first RuPay-CC-on-UPI payment + ₹50 scratch cards on the next 10 such payments (together = 100% of joining fee), given by PhonePe; min ₹100/txn |
| Lounge access | 8 complimentary domestic lounge visits/year (2 per calendar quarter), conditional on ₹75,000 spend in that quarter; no international lounge access stated |
| Key benefits | RuPay UPI-linked card rewarding PhonePe bills/recharges/travel (10%), select online brands (5%) and all scan & pay (1%), plus 1% fuel surcharge waiver and milestone domestic lounge access |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active — apply only through the PhonePe app (no HDFC website/offline application) |
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 | ₹ 999 + Applicable TaxesMITC v4.3, fee table L632-655 | ₹999 + applicable taxes | ✓ |
| Fee waiver (min spend) | ₹ 2 lakh per annum for waiver of renewal fee (spends exclusions given below). No waiver on Joining Fee.MITC v4.3, fee table L632-655 | ₹2 lakh annual spend (excludes cash advances, fees/charges, EMI) | ✓ |
| 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 L632-655 | 1% fuel surcharge waiver | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L632-655 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 10% RP on PhonePe recharges/bills & travel (cap 1000 RP/mo); 5% on select online brands—Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato (cap 500 RP/mo); 1% on all RuPay-CC-on-UPI scan & pay (cap 500 RP/mo); up to 2000 RP/mo; 1 RP = ₹1 as statement cashback (₹0.3 on SmartBuy), max ₹7,500 cashback/month | • |
| Welcome benefit | Not in MITC | ₹499 PhonePe Gift Card on first RuPay-CC-on-UPI payment + ₹50 scratch cards on the next 10 such payments (together = 100% of joining fee), given by PhonePe; min ₹100/txn | • |
| Lounge access | Not in MITC | 8 complimentary domestic lounge visits/year (2 per calendar quarter), conditional on ₹75,000 spend in that quarter; no international lounge access stated | • |
| 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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