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.
Swiggy HDFC Bank
HDFC Bank
Annual fee
₹500
free if you spend ₹2,00,000
Joining fee
₹500
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
We have not yet verified a practical rewards guide from this card's own documents.
Benefits
6Only after ₹2,00,000 spend in the year
Conditions apply — read the clause.
Earns, up to a limit
1The normal rate, until a ceiling in the terms.
Earns nothing
18Spend here and the terms say you earn no rewards.
Earns the normal rate
3Dated changes
4Dates 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
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th 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.
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.