Welcome Benefits :- you get 500 Cash Points on the payment of the membership fee. These points can be redeemed for exciting rewards and offers. Moreover, you also get 500 Cash points on the renewal of your HDFC MoneyBack credit card.

Rewards & Benefits :- 

Movie & Dining

Exclusive dining benefits with the Good Food Trail program. Save up to 20% on your restaurant bills through Swiggy Dineout​

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Rewards Rate

4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spend, reward rate of up to 0.67%.

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Reward Redemption

1 Reward Point = Rs 0.20 for redemption against the statement balance. 1 Reward Point = Rs. 0.25  for redemption through Smartbuy Rewards portal

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Travel 

N/A

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Domestic Lounge Access

N/A

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

The renewal fee is waived off on spending Rs. 50,000 or above in the previous year.

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Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

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Foreign Currency Markup

3.5% + GST

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Interest Rates

3.6% per month (45% annually)

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Fuel Surcharge

1% Across Fuel Stations in India

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Cash Advance Charges

Higher of 2.5% of the amount withdrawn or Rs. 500.

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Product Details :- 

• Enjoy 500 Cash Points as a Welcome Benefit with HDFC MoneyBack credit card

• Get 4 Reward Points on every Rs 150 spent online, and 2 Reward Points on every other spend of Rs. 150.

• Get a Gift voucher worth Rs 500 every calendar quarter on the spending of Rs 50,000.

• Redeem your reward points against exciting rewards and offer on the Smartbuy rewards portal.

• Spend Based Waiver on Annual fee.

• 1% fuel surcharge waiver up to Rs. 250 per month.

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