Annual Fee
FREE
Cashback
Up to 5%
Lounge Visits
None
Min Income
₹3L/yr
Cashback Details
| Category | Cashback Rate | Details |
|---|---|---|
| smartbuy | 5% | 5% cashback on HDFC Smartbuy portal |
| others | 1% | 1% unlimited cashback on all other spends |
Fees
Joining FeeFREE(Lifetime free)
Annual FeeFREE(Lifetime free)
Fuel Surcharge
1% fuel surcharge waived on transactions between INR 400-5,000
Eligibility
Min Annual Income₹3,00,000
Age21 - 65 years
EmploymentSalaried & Self-employed
Key Features
- Lifetime free digital credit card
- 1% unlimited cashback on every spend
- 5% cashback on HDFC Smartbuy portal
- Instant virtual card issuance via PayZapp
- 1% fuel surcharge waiver
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