Key benefits
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber and other partners
- 1% cashback on all other spending
- 8 complimentary domestic lounge visits a year
- Annual fee waived on spending of ₹1 lakh in a year
Fees and charges
| Joining fee | ₹1,000 + GST |
| Annual fee | ₹1,000 + GST |
| Fee waiver | Spend ₹1 lakh a year |
| Interest rate | 3.6% per month (43.2% p.a.) |
| Cash advance | 2.5% of amount, minimum ₹500 |
| Late payment | ₹100 to ₹1,300 by balance |
Eligibility
- Salaried aged 21–40 with net monthly income above ₹35,000
- Self-employed aged 21–65 with ITR above ₹6 lakh a year
- Credit score of 750 or above
Who it suits
Heavy online spenders who want simple cashback rather than points.
Watch out for
Cashback on partner brands is capped at ₹1,000 per month, so very high spenders hit the ceiling.
Fees and reward rates shown are indicative and set entirely by HDFC Bank. They change without notice — confirm the current terms on the issuer's own page before you apply.