Welcome Benefits
500 Cash Points ( applicable only on payment of membership fee)
Reward Points
• 2 reward points on a spend of ₹ 150 each time.
• Up to 2X features for online shopping. This means 4 reward points on an online spend of ₹ 150 ( maximum 500 reward points per statement cycle for online spends).
On spending ₹50000 in a schedule quarter there will be a gift validation of ₹ 500.
Redeeming Reward Points
• Reward points can be redeemed as per the statement balance at the rate of 1 reward point = INR0.20
• Reward points can be used for flight and hotel bookings
1. The credit cardholder can only redeem 50% of the booking cost
2. SmartBuy price portal provides the catalogue for such spends
3. The value of 1 reward point = INR0.20
4.Can be used as air country miles for booking airlines tickets, the value will be INR0.25
Reward Points Validity
Reward points are valid for two years from the date of accumulation.
Fuel Surcharge Waiver
1 fuel surcharge waiver at all fuel stations across India
(on minimal trasaction of ₹ 400. Max CashBack of ₹ 250 per statement cycle)
Added Features
Zero Lost Card liability- The cardholder will have to inform the HDFC 24-hour call center within 24 hours of losing the card for zero lost card liability, in case the card holder fails to do so the company will deal with the case depending on the inflexibility of the case.
Interest Free Credit Period- There’s up to 50 days of interest free period from the date of purchase.
Revolving Credit -Revolving credit is available on this credit card
Eligibility
This card is only available for Indian citizens.
Criteria for salaried applier is
• Age between 21 and 60.
• regular income of INR
. Criteria for self- employed appliers is
• Age between 21 and 65.
• Income Income tax return (ITR) of INR6.0 lakh per annum
ANNUAL FEES =Rs. 500 +gst