Rewards + lounges, zero annual fee
PhonePe Gift card worth ₹499 on first RuPay CC on UPI transaction + 10 scratch cards worth ₹50 each on next 10 transactions
Base earn rate
1% Reward Points on All Scan & Pay spends (Capped at 500 Reward Points per calendar month)
| Category | Rate | Cap |
|---|---|---|
| Phonepe Categories | 10% Reward Points | Capped at 1000 Reward Points per calendar month |
| Online Brands | 5% Reward Points | Capped at 500 Reward Points per calendar month |
| Upi Scan And Pay | 1% Reward Points | Capped at 500 Reward Points per calendar month |
Domestic
8visits / year
International
Not included
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 |
Fraud liability
Zero Cost Card Liability - Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre
Additional features
No rewards on
Cash Advances · Credit Card Fees · Emi Spends
Card management via MyCards.
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