Cards / HDFC

Joining fee

₹2,500

Annual fee

₹2,500

Waiver spend

₹4,00,000

Forex markup

2%

Fee waiver

Spend ₹4,00,000 in a card year and the next annual fee is waived.

That is about ₹33,333 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 5X points (25 per ₹200) on PayZapp bills, tax, GST, Google and Meta ads, Reliance Digital (needs ₹25,000 other spend in the cycle)
• 5 points per ₹200 on groceries (up to 2,000 a month)
• 5 points per ₹200 on utilities (up to 2,000 a month)
• 5 points per ₹200 on insurance (up to 2,000 a month)
• 5 Reward Points per ₹200

No rewards on education, fuel, rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter
• International: 6 visits a year

Domestic visits need ₹75,000 spend in the previous calendar quarter (from July 2026). International via Priority Pass

Points

Reward Points, worth about ₹0.15 each on the usual redemption. Expire after 2 years.

Who can apply

• Age 21 to 65
• Self-employed: income of ₹12,00,000 a year or more

Self-employed only: ITR over ₹12 lakh

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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