Fees & charges
Joining fee₹1,000 + GST
Annual / renewal fee₹1,000 + GST
Fee waiverWaived on ₹1,00,000+ spend in the year before renewal
Why this card
- 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit
- 1% cashback on all other spends
- ₹1,000 gift voucher or 1 domestic lounge visit on ₹1,00,000+ spend in a calendar quarter — pick one; up to 4 lounge visits a year if every quarter qualifies
- Up to 10% additional cashback across 200+ brands via SmartBuy or PayZapp Shop
- 10% additional discount on Swiggy Dineout with coupon code HDFCCARDS
- 1% fuel surcharge waiver at all fuel stations on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle
- Cashback is credited as Reward Points (1 point = ₹1 for statement-credit redemption), capped at 3,000 points redeemed per month
- No cashback on wallet loading, Easy EMI or education payments (HDFC card-wide policy since 1 September 2024)
- Reward points equivalent to the membership fee are credited back when you pay it; zero lost-card liability and up to 50 days interest-free credit period
Card servicing
- Credit Card Management & Controls
- Smart EMI
- Contactless Payment
- MyCards
- PayZapp / SmartBuy Benefits
More from HDFC Bank
HDFC Bank Pixel Go
Cashback
- 5% cashback on SmartBuy transactions
- 1% cashback on all other spends, plus 1% on UPI spends (RuPay variant, capped at 500 CashPoints/month)
- No CashPoints on fuel, EMI, rent, wallet-load or government transactions
HDFC Bank Pixel Play
Lifetime free
- HDFC offers it lifetime free only when you apply online; otherwise the standard ₹500 + GST fee applies
- 5% cashback on any 2 spend packs of your choice, from 5 available (BookMyShow+Zomato, MakeMyTrip+Uber, Blinkit+Reliance Smart Bazaar, Electronics via Croma & Reliance Digital, Fashion via Nykaa & Myntra)
- 3% cashback on Amazon, Flipkart or PayZapp
Marriott Bonvoy
Travel
- Marriott Bonvoy Silver Elite status plus a welcome Free Night Award (up to 15,000 points) and 10 Elite Night Credits, triggered by a single ₹500+ transaction within 90 days of card issuance (or on fee levy, whichever comes first)
- Up to 3 more Free Night Awards a year, at ₹6L / ₹9L / ₹15L annual spend milestones
- 8 Bonvoy points per ₹150 spent at Marriott hotels; 4 points per ₹150 on travel, dining and entertainment; 2 points per ₹150 elsewhere
Card names, fees and figures shown are illustrative; verify current terms with HDFC Bank directly before applying.