Fees & charges
| Joining fee | Not stated on HDFC's page |
|---|---|
| Annual / renewal fee | ₹2,500 + applicable taxes |
| Renewal-fee waiver | Not stated on HDFC's page |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 4 Reward Points per ₹200 spent; up to 5X Reward Points on SmartBuy (flights, hotels, gift vouchers) |
|---|---|
| Welcome benefit | Not stated on HDFC's page |
| Lounge access | Domestic: up to 2 complimentary lounge vouchers/quarter (self + add-on) on min ₹1 lakh spend/quarter. International: Priority Pass, up to 6 complimentary visits/year (after 4 card uses) |
| Key benefits | Lifestyle & travel card: quarterly lounge vouchers + international Priority Pass, 5X SmartBuy rewards, Good Food Trail dining (up to 7.5% via Swiggy Dineout), 24x7 concierge, and ₹1 crore air-accident/overseas-hospitalisation insurance cover |
Eligibility & status
| Eligibility / income | Salaried: net monthly income > ₹1 lakh (age 21-60); Self-employed: ITR > ₹12 lakh/year (age 21-65) |
|---|---|
| Status note | not accepting new applications |
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 | ₹ 2,500MITC v4.3, fee table L249-261 | NOT STATED | • |
| Fee waiver (min spend) | ₹3 Lakh / AnnumMITC v4.3, fee table L249-261 | NOT STATED | • |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycleMITC v4.3, fee table L249-261 | NOT STATED | • |
| Forex markup | 3.5%MITC v4.3, fee table L249-261 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 4 Reward Points per ₹200 spent; up to 5X Reward Points on SmartBuy (flights, hotels, gift vouchers) | • |
| Welcome benefit | Not in MITC | NOT STATED | |
| Lounge access | Not in MITC | Domestic: up to 2 complimentary lounge vouchers/quarter (self + add-on) on min ₹1 lakh spend/quarter. International: Priority Pass, up to 6 complimentary visits/year (after 4 card uses) | • |
| Eligibility | Not in MITC | Salaried: net monthly income > ₹1 lakh (age 21-60); Self-employed: ITR > ₹12 lakh/year (age 21-65) | • |
✓ 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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