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HDFC Bank
Pick your own two 5% categories and one 3% merchant, on a card run entirely from PayZapp.
One-time
Waived on ₹1,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to HDFC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
5 reward rates with their caps, taken from HDFC Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromDining
No published ceiling on this tier
Groceries
No published ceiling on this tier
Travel
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Dining — 5% back as CashPoints if Dining & Entertainment is one of the two chosen packs. The two packs share a cap of 500 CashPoints a month., with no stated cap.
Biggest limitation
The two chosen 5% packs share a cap of 500 CashPoints a month. Past that, accelerated spending earns the base rate.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5%
uncappedDining
5% back as CashPoints if Dining & Entertainment is one of the two chosen packs. The two packs share a cap of 500 CashPoints a month.
5%
uncappedGroceries
5% back as CashPoints if Grocery is one of the two chosen packs, within the shared 500-CashPoint monthly cap.
5%
uncappedTravel
5% back as CashPoints if Travel is one of the two chosen packs, within the shared 500-CashPoint monthly cap.
3%
uncappedOnline shopping
3% back as CashPoints on one chosen e-commerce merchant — Amazon, Flipkart or another from the list.
1%
uncappedEverything else
1% back as CashPoints on all other spends.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹500 | — |
| Annual / renewal fee | ₹500 | Joining fee of Rs. 500 + GST is waived on spending Rs. 20,000 within 90 days of issuance. The renewal fee is waived on annual spends of Rs. 1,00,000 or more. |
| Add-on card | Not published by HDFC Bank for this card. Confirm on the card MITC before requesting an add-on card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500. |
| Late payment | Not published by HDFC Bank in the summary for this card. The slab table is in the card MITC. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹500
of one-time welcome value, on top of what you earn
Every year after
₹1,00,000 a year
is what it takes to keep the ₹500 fee off — about ₹8,333 a month
Not offered on this card.
1% waiver. 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India, capped at Rs. 250 per statement cycle.
UPI credit-card linking is available only on RuPay credit cards.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
1
spend threshold you can reach again each year
Joining fee of Rs. 500 waived on spending Rs. 20,000 within 90 days of card issuance.
Only on ₹20,000 of spend within 90 days. Miss it and the benefit does not arrive.
Spend ₹1,00,000 a year — about ₹8,333 a month
Renewal fee of Rs. 500 waived on annual spends of Rs. 1,00,000 or more.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
HDFC BankPhonePe HDFC Bank Uno Credit Card₹499
HDFC BankSwiggy BLCK HDFC Bank Credit Card₹1,000
HDFC BankShoppers Stop Black HDFC Bank Credit Card₹4,500
HDFC BankHDFC Biz First Credit Card₹500
HDFC BankIRCTC HDFC Bank Credit Card₹500
DBS BankDBS Vantage Credit Card₹20,000| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| HDFC Pixel Credit Card BK · this card | ₹500 | 5% dining | No |
| PhonePe HDFC Bank Uno Credit Card | ₹499 | Up to 2% cashback | No |
| Swiggy BLCK HDFC Bank Credit Card | ₹1,000 | Up to 10% cashback | No |
| Shoppers Stop Black HDFC Bank Credit Card | ₹4,500 | Up to 20 reward points per ₹100 | Included |
| HDFC Biz First Credit Card | ₹500 | Up to 3% back | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹500 plus GST, waived on ₹1,00,000 of annual spend.
The strongest published rate is 5% on dining, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
UPI credit-card linking is available only on RuPay credit cards.
Fuel transactions Rent payments Wallet loads EMI transactions Government payments Cash advances and ATM withdrawals No rewards on fuel transactions, rent payments, wallet loads, emi transactions, government payments, cash advances and atm withdrawals. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
Statement credit through PayZapp, Products and vouchers on HDFC Bank SmartBuy
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary airport lounge access.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
