Key features
- Customisable digital credit card via PayZapp
- 5% cashback on your choice of 2 categories
- 3% cashback on PayZapp and HDFC Smartbuy
- ₹500 + GST joining fee, annual fee waived on ₹1L yearly spend
- 1% fuel surcharge waiver
Cashback
| Category | Rate | Detail |
|---|---|---|
| choice | 5% | 5% cashback on choice of 2 categories (Amazon, Flipkart, Swiggy, Uber, etc.) |
| e commerce | 3% | 3% cashback on PayZapp and Smartbuy |
| others | 1% | 1% cashback on all other spends |
| Default cashback rate | 1% | All other eligible spends |
Fees
| Joining feeWaived on ₹1L annual spend | ₹500 |
| Annual feeWaived on ₹1L annual spend | ₹500 |
Eligibility
Min annual income₹3,00,000
Age21 – 65 years
EmploymentSalaried & self-employed
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