All Miles

Rewards

• General 3X Reward Points for every ₹150 you spend
• Hotel bookings, mobile recharge and shopping 2X Reward Points for hotel bookings, mobile recharge and shopping

Reward cap

Not available

Lounge access

Not included

Does not earn on

Fuel transactions do not earn reward points. · Insurance transactions capped at 2,000 points per transaction. · Reversed transactions, installment conversions do not earn reward points. · Reward points nullified if card blocked for 6+ months.

Annual fee

₹1,000

How this works

₹ 1,000 + GST (waived if ₹ 1 lakh spent annually) 1,000 + GST (waived with ₹ 1 lakh annual spend). Same situation as joining fee — HDFC page only states waiver condition.

Joining fee

₹1,000

How this works

₹ 1,000 + GST (waived if ₹ 15,000 spent within 90 days) 1,000 + GST (waived with ₹ 15,000 spend within 90 days). Not explicitly stated as fixed amount on HDFC product page (only waiver condition stated). Confirmed at ₹

Fee waiver

Spend ₹1,00,000 in a year

Foreign purchases

3.5% markup on international spends

Eligibility

Salaried or self-employed · Income not disclosed

Repayment

Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

Differences found when this card's published terms were re-verified against HDFC Bank's own pages. Only independently approved changes appear here.

1. Eligibility

   Changed
   age 21Indian nationals: salaried applicants aged 21–60; self-employed applicants aged 21–65.

   Eligibility changed from age 21 to Indian nationals: salaried applicants aged 21–60; self-employed applicants aged 21–65.

   Verified 12 Sep 2026 · previous value recorded 14 Aug 2026 · issuer page↗

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.