Basic Information

Welcome Benefits ₹500 Swiggy Money on successful card activation and eligible transaction (subject to current offer)

Card Category Mid Premium

Payment Network Visa, Mastercard

Eligibility Minimum Income Required: As per HDFC Bank internal policy (varies)
Employment Type: Salaried & Self-employed
Age: 21–60 Years (Salaried), 21–65 Years (Self-employed)

Credit Limit Credit limit decided by HDFC Bank based on applicant profile

Rewards Program

Reward Points Not Applicable

Cashback 10% Cashback: Swiggy (Food, Instamart, Dineout)
5% Cashback: Amazon, Flipkart, Myntra, Ajio, Nykaa, BookMyShow, Uber, Ola, PVR, Airbnb, Cleartrip, MakeMyTrip, Yatra, etc. (Eligible MCC)
1% Cashback: All other eligible spends
Monthly Cashback Cap: ₹1,500 (10%), ₹1,500 (5%), ₹500 (1%)

Redemption Cashback automatically credited to card statement

Travel Benefits

Travel Offers HDFC Bank seasonal travel offers may apply

Forex Benefits International merchant offers through Visa/Mastercard

Shopping Benefits

Online Shopping 5% Cashback on eligible online merchants including Amazon, Flipkart, Myntra, Ajio, Nykaa, BookMyShow, Uber, Ola, etc.

Offline Shopping 1% Cashback on eligible retail spends

Brand Offers HDFC SmartBuy & partner merchant offers

EMI Offers Merchant EMI & No Cost EMI available at participating merchants

Fuel Benefits

Fuel Savings 1% Fuel Surcharge Waiver (Applicable fuel stations, transaction limits apply)

Dining & Entertainment

Dining Swiggy Dineout cashback included under Swiggy benefits

Movies BookMyShow eligible for 5% cashback

Entertainment Entertainment merchants eligible under 5% cashback category

Daily Spending Benefits

Utility Bills 1% Cashback

Grocery Swiggy Instamart: 10% Cashback

Insurance Payments 1% Cashback (eligible spends)

Insurance & Protection

Card Security Zero Liability Protection (as per RBI & HDFC policy), Fraud Protection, Lost Card Reporting

Digital Features

Mobile Wallet Google Pay, Samsung Wallet and supported digital wallets

Banking Features HDFC MyCards, NetBanking, Mobile Banking, Instant Card Control

Add-on Features

Family Benefits Add-on card available

EMI Features Smart EMI, Post Purchase EMI Conversion

Fees & Charges

Joining Charges ₹500 + GST

Annual Charges Annual Fee: ₹500 + GST
Waiver: Annual spend of ₹2,00,000

Finance Charges Interest: Up to 3.75% per month (45% p.a.)
Late Payment Fee: As per HDFC Bank credit card fee schedule

Cash Advance Charges Cash Withdrawal Fee: 2.5% (Minimum ₹500)
Cash withdrawal limit depends on sanctioned credit limit

EMI Charges EMI available on eligible transactions
Processing fee as applicable
Interest as per EMI plan

Forex Charges Forex Markup Fee: 3.5% + GST

Other Charges Card Replacement Fee: As per bank schedule
Overlimit Fee: Applicable
Reward Redemption Fee: Not Applicable (Cashback Card)

Customer Support

Service 24×7 Customer Care

Performance & Ratings

Overall Performance ⭐ 4.6/5

Best Usage Best for Cashback, Swiggy Users, Online Shopping

Advantages 10% cashback on Swiggy, 5% cashback on major online brands, low annual fee, automatic cashback credit, fuel surcharge waiver, EMI facility

Limitations Cashback caps, no lounge access, no travel insurance, no reward points, high forex markup, limited offline benefits