Fees & charges
| Joining fee | ₹499 + GST |
|---|---|
| Annual / renewal fee | ₹499 + GST per year (from 2nd year onwards) |
| Renewal-fee waiver | ₹50,000/year (annual spends in previous year) |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 4 reward points per ₹150 spent online, 2 reward points per ₹150 at POS/offline; plus 5% cashback on business essentials |
|---|---|
| Welcome benefit | Spend ₹500 within first 90 days → 1,000 reward points (RIO Club members also get a ₹500 gift voucher) |
| Lounge access | none (not mentioned) |
| Key benefits | Co-branded B2B pharma merchant card (Retailio merchants): reward points + 5% cashback on business essentials, 1% lower working-capital fee on Retailio spends, up to 50 interest-free days, and fuel surcharge waiver |
Eligibility & status
| Eligibility / income | Self-employed Indian citizen, age 21–65, with annual ITR over ₹6 lakh |
|---|---|
| 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 | ₹ 499MITC v4.3, fee table L576-577 | ₹499 + GST | ✓ |
| Fee waiver (min spend) | ₹50,000 / AnnumMITC v4.3, fee table L576-577 | ₹50,000/year (annual spends in previous year) | ✓ |
| 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 L576-577 | Fuel surcharge waiver (rate/cap not stated) | ⚠ |
| Forex markup | 3.5%MITC v4.3, fee table L576-577 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 4 reward points per ₹150 spent online, 2 reward points per ₹150 at POS/offline; plus 5% cashback on business essentials | • |
| Welcome benefit | Not in MITC | Spend ₹500 within first 90 days → 1,000 reward points (RIO Club members also get a ₹500 gift voucher) | • |
| Lounge access | Not in MITC | None (not mentioned) | • |
| Eligibility | Not in MITC | Self-employed Indian citizen, age 21–65, with annual ITR over ₹6 lakh | • |
✓ 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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