Cards / HDFC

Joining fee

₹4,500

Annual fee

₹4,500

Waiver spend

–

Forex markup

3.5%

Fee waiver

No spend-based waiver listed by the bank.

Work it out for this card

How the app counts rewards

• 7 points per ₹100 at Shoppers Stop stores and website (up to 2,000 a month)
• 2 points per ₹100 on other spends (up to 2,000 a month)

No rewards on fuel, groceries, insurance, rent, wallet loads.

Airport lounges

• Domestic: 4 visits a quarter
• International: 2 visits a quarter

16 domestic and 8 international visits a calendar year

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 ₹8,40,000 a year or more
• Self-employed: income of ₹8,40,000 a year or more

Salaried: ₹70,000 a month, age 21 to 60. Self-employed: over ₹8.4 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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