Fees & charges
| Joining fee | ₹1,000 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹1,000 + applicable taxes |
| Renewal-fee waiver | ₹1 lakh annual spend (renewal fee waived) |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 3 Reward Points per ₹200 spent (revised, effective 15 May 2026; earlier 4 RP per ₹150) |
|---|---|
| Welcome benefit | Not stated on HDFC's page |
| Lounge access | None — complimentary airport lounge access discontinued from 1 Dec 2023 |
| Key benefits | 3 RP/₹200 + milestone bonus RP (7,500 on ₹6L, 5,000 on ₹9L/yr); up to 20% dining via Swiggy Dineout; SmartPay 5% utility cashback (₹500 cap, 1st yr); 50-day interest-free period; insurance cover (air accident ₹1cr); lounge access withdrawn |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | Not accepting new applications (existing cardholders retain benefits); features/benefits revised effective 15 May 2026 |
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 | ₹ 1,000MITC v4.3, fee table L223-235 | ₹1,000 + applicable taxes | ✓ |
| Fee waiver (min spend) | ₹1 Lakh / AnnumMITC v4.3, fee table L223-235 | ₹1 lakh annual spend (renewal fee waived) | ✓ |
| 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 L223-235 | NOT STATED | • |
| Forex markup | 3.50%MITC v4.3, fee table L223-235 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 3 Reward Points per ₹200 spent (revised, effective 15 May 2026; earlier 4 RP per ₹150) | • |
| Welcome benefit | Not in MITC | NOT STATED (no distinct welcome benefit; milestone bonus RP only) | |
| Lounge access | Not in MITC | None — complimentary airport lounge access discontinued from 1 Dec 2023 | • |
| Eligibility | Not in MITC | NOT STATED (new applications not accepted) |
✓ 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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