Cards / HDFC

Joining fee

₹10,000

Annual fee

₹10,000

Waiver spend

₹8,00,000

Forex markup

2%

Fee waiver

Spend ₹8,00,000 in a card year and the next annual fee is waived.

That is about ₹66,667 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 5 points per ₹150 on groceries (up to 2,000 points a month)
• 5 points per ₹150 on utilities (up to 2,000 points a month)
• 5 points per ₹150 on insurance (up to 5,000 points a month)
• 5 Reward Points per ₹150 (2X on weekend dining at standalone restaurants)

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: Unlimited visits
• International: Unlimited visits

Unlimited for primary and add-on members at 1,300+ lounges

Points

Reward Points, worth about ₹0.3 each on the usual redemption. Expire after 3 years.

Who can apply

• Age 21 to 60
• Salaried: income of ₹30,00,000 a year or more
• Self-employed: income of ₹30,00,000 a year or more

Salaried: net ₹2.5 lakh a month, age 21 to 60. Self-employed: over ₹30 lakh a year, age 21 to 65

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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