Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Earn 5% cashback (5 CP/₹100) here — 5.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Crossing ₹1L in the anniversary year waives the ₹1,000 fee — automatic for spenders at ₹8,333+/month. Watch your pace in months 10–12.
The second tier earns 2.5% cashback (2.5 CP/₹100) (2.5% back). Often overlooked next to the headline category but compounds if you route consistently.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
8 domestic visits per year. Primary cardholder.
₹1,000 Welcome reward points.
Air accident cover, lost-card liability, emergency card replacement abroad.
For a spender who hits the ₹1L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.
