Fees & charges
Joining fee₹0 when applied for online (HDFC’s current lifetime-free offer); ₹500 + GST otherwise
Annual / renewal fee₹0 when applied for online; ₹500 + GST otherwise
Fee waiverOn the ₹500 + GST variant: joining fee waived on ₹20,000 spend within 90 days; renewal waived on ₹1L spend a year (joining fee is still billed if the card is closed within 90 days of issuance)
Why this card
- 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
- 1% cashback on UPI spends (RuPay variant)
- "Build Your Own Card" — pick your own billing date, merchant partners and card colour
- FD-backed variant also available, with no income proof, via the PayZapp app
Card servicing
- Credit Card Management & Controls
- PIXEL CashPoints
- Statement & Repayments
- SmartEMI Conversion
- Contactless Payments
- Scan & Pay
- MyCards & PayZapp 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
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
Tata Neu Plus
Cashback
- 2% NeuCoins on non-EMI Tata Neu and partner Tata Brand spends; 1% on EMI (even on Tata brands) and all other spends
- Up to 1% back on UPI via Tata Neu — 0.25% base (credited by HDFC) + 0.75% extra via your Tata Neu UPI ID, capped at 500 NeuCoins/month combined
- 499 NeuCoins welcome benefit on your first transaction within 30 days (not applicable on lifetime-free/first-year-free cards)
Card names, fees and figures shown are illustrative; verify current terms with HDFC Bank directly before applying.