Cards / HDFC

Joining fee

₹500

Annual fee

₹500

Waiver spend

₹50,000

Forex markup

3.5%

Fee waiver

Spend ₹50,000 in a card year and the next annual fee is waived.

That is about ₹4,167 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 4 CashPoints per ₹200 on online spends (2X)
• 2 CashPoints per ₹200 on retail spends

No rewards on education, rent, wallet loads.

Points

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

Who can apply

• Age 21 to 65
• Self-employed: income of ₹6,00,000 a year or more

For self-employed business owners. Minimum annual ITR ₹6 lakh.

Published minimums. Approval is the bank's decision.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

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

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