Premium rewards with zero annual cost
HDFC Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.
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2,500 Reward points on card activation
Base earn rate
Earn 4 Reward Points for every ₹200 spent
Late payment
| Outstanding amount | Late fee |
|---|---|
| Up to ₹100 | Nil |
| ₹101-500 | ₹100 |
| ₹501-1,000 | ₹500 |
| ₹1,001-5,000 | ₹600 |
| ₹5,001-10,000 | ₹750 |
| ₹10,001-25,000 | ₹900 |
| ₹25,001-50,000 | ₹1,100 |
| More than ₹50,000 | ₹1,300 |
Air accident
₹100L
Accidental air death cover worth ₹1 crore
Travel insurance
₹50,000
Medical emergency
₹25L
Baggage loss
₹50,000
Credit liability
₹9L
Additional features
Card management via MyCards.
Rewards / year
₹6,000
≈ 1.00% effective
Annual fee
₹0 (waived)
waived at ₹3,00,000/yr spend
Net steady-state return
+₹6,000/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹6,000 a year.
HDFC Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.
One-time joining fee (year 1 only): ₹2,500
One-time welcome benefit: ~₹1,250 — 2,500 Reward Points credited on card activation (unconditional on activation).
Based on published rates as of 2026-08-07; assumes 1 RP = ₹0.50 via SmartBuy flight & hotel bookings (issuer's highest/primary marketed redemption path, listed first); max 70% of booking value payable with reward points, balance by Credit Card. Other paths lower: Products Catalogue/vouchers up to ₹0.35, Cashback up to ₹0.20.. Rewards estimates, not guarantees.
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HDFC BankHDFC Bank is no longer accepting applications for this card.
HDFC BankHDFC Bank is no longer accepting applications for this card.
HDFC BankHDFC Bank is no longer accepting applications for this card.
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