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.
MoneyBack
HDFC Bank
Annual fee
₹500
Joining fee
₹500
Earns more
8Airport 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
Reward points on grocery transactions are capped at 1,000 per month.
More rules and steps
Yes, there's a maximum limit of 15,000 reward points per cycle. The additional 2 RP per Rs ₹150 from the 2X feature is capped at 500 points monthly.
Use the bonus earning channel
2X Reward Points (RP) on every ₹200 spent online* and 2 RP on other retail spends
Benefits
5Conditions apply — read the clause.
Conditions apply — read the clause.
Only after ₹50,000 spend in the quarter
Earns, up to a limit
1The normal rate, until a ceiling in the terms.
capped at ₹250 per statement cycle
Earns nothing
11Spend here and the terms say you earn no rewards.
Earns the normal rate
1Dated 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.