Cards / HDFC

Joining fee

₹500

Annual fee

₹500

Waiver spend

₹1,50,000

Forex markup

3.5%

Fee waiver

Spend ₹1,50,000 in a card year and the next annual fee is waived.

That is about ₹12,500 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 5 points per ₹100 on the IRCTC website and Rail Connect app (up to 1,000 a month)
• 1 point per ₹100 on groceries (up to 1,000 a month)
• 1 point per ₹100 on other spends (up to 1,000 a month)

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

Points

Reward Points, worth about ₹1 each on the usual redemption. Expire after 2 years.

Who can apply

• Age 21 to 60
• Salaried: income of ₹1,44,000 a year or more
• Self-employed: income of ₹6,00,000 a year or more

Salaried: ₹12,000 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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