Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Freedom
HDFC Bank
Annual fee
₹500
free if you spend ₹50,000
Earns more
10Airport lounge access
Within IndiaNot confirmed
Outside IndiaNot confirmed
Check HDFC Bank's current card page
Points
Make the most of this card
Keep the rewards you earn
• For Rupay Credit Cardholders, all UPI spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases ) will earn 1 RP for every Rs.200 spent and is capped at 500 reward points in a calendar month.
Benefits
4Conditions apply — read the clause.
Earns, up to a limit
5The normal rate, until a ceiling in the terms.
capped at 500 reward points in a calendar month
capped at 2000 Reward Points per calendar month
capped at 2000 Reward Points per calendar month
capped at 2000 Reward Points per calendar month
Earns nothing
9Spend here and the terms say you earn no rewards.
Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.