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.
HDFC Bank UPI RuPay
HDFC Bank
Annual fee
₹99
free if you spend ₹25,000
Joining fee
₹99
Only part of this card's detail is published where we can read it. Anything missing below is missing from the issuer's documents, not proof the card lacks it.
Earns more
3Airport 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
*Cardholder shall not be eligible for 3% CashPoints on prepaid card/gift Card/ wallet load and / or voucher purchases. i.e., the transactions carried out through the Merchant Category Code (MCC) of 6540 (as defined by RuPay) will not be considered for CashPoints even if it is from these merchant categories. • Spends beyond the capping of 500 CashPoints shall not be considered for CashPoints posting • Below mentioned MCC codes are eligible under 3% feature. Any other MCCs will not be eligible for 3% CashPoints feature.
Benefits
3Only after ₹25,000 spend in the previous year
Earns nothing
9Spend here and the terms say you earn no rewards.
Terms disagree
2Two clauses say different things. We are not guessing which one applies.
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.