Cards / HDFC

Joining fee

₹1,000

Annual fee

₹1,000

Waiver spend

₹3,00,000

Forex markup

3.5%

Fee waiver

Spend ₹3,00,000 in a card year and the next annual fee is waived.

That is about ₹25,000 a month.

Work out what you still need to spend

Recent changes

• 1 July 2026Worse for you

  Lounge access becomes 2 domestic and 1 international visit a quarter only after spending Rs 60,000 in the previous quarter.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 5X points (20 per ₹200) on Swiggy and Zomato food orders
• 4 points per ₹200 on groceries (up to 2,000 points a month)
• 4 points per ₹200 on utilities (up to 2,000 points a month)
• 4 points per ₹200 on insurance (up to 2,000 points a month)
• 4 Reward Points per ₹200

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter
• International: 1 visit a quarter

Vouchers unlock on ₹60,000 spend in the previous calendar quarter (from July 2026)

Points

Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.

Who can apply

• Age 21 to 60
• Salaried: income of ₹4,20,000 a year or more
• Self-employed: income of ₹6,00,000 a year or more

Salaried: net ₹35,000 a month, age 21 to 60. Self-employed: ITR over ₹6 lakh, 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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