Issued by HDFC Bank
· Terms last verified 14 Oct 2026
Fees
Joining fee
First year membership fee.
Welcome benefit of 1000 CashPoints on payment of joining membership fee.
Renewal fee
Renewal membership fee. Waived on spending INR 1,00,000 in 12 months for the next renewal year.
Waived when yearly spend is at least ₹1,00,000.
Travel
Spend
Rate
Cap
Adani One Duty Free
10% cashback
No stated cap
Dining & Entertainment
Spend
Rate
Cap
BookMyShow, Swiggy, Zomato
5% cashback
Up to 1,000 CashPoints per month
Uber Eats
1% cashback
No stated cap
Shopping
Spend
Rate
Cap
Amazon, Cult.fit, Flipkart, Myntra, Sony LIV, Tata CLiQ, Uber
5% cashback
Up to 1,000 CashPoints per month
Bills & Utilities
Spend
Rate
Cap
Wallet load
1% cashback
No stated cap
Fuel
Spend
Rate
Cap
Fuel
1% cashback
No stated cap
All other spends
Spend
Rate
Cap
All other spends
1% cashback
No stated cap
Earns no rewards on
Rent, Government/Tax Spend
Redeeming rewards
Statement credit — ₹1 each
SmartBuy Rewards Portal — Flight and hotel bookings — ₹0.30 each
SmartBuy Rewards Portal — Rewards catalogue — ₹0.30 each
Benefits
Dining
Up to 20% savings on restaurant bill payments via Swiggy Dineout; valid only on payments done via the Swiggy app.
Cashback
Cashback is earned on spend subject to rule conditions and caps.
Fuel Waiver
1% fuel surcharge waiver on fuel transactions from INR 400 to INR 5,000, capped at INR 250 per statement cycle.
Forex Markup
Dynamic currency conversion markup fee of 1.75% applies on Indian-currency transactions at international locations or merchants registered overseas.
Points Expiry
Unredeemed CashPoints expire within 2 years of accumulation.
Welcome Benefit
Welcome benefit of 1000 CashPoints on payment of joining membership fee.
Milestone Benefits
Quarterly spend-based benefit of INR 1,000 worth gift vouchers on spends of INR 1,00,000 and above in each calendar quarter.
Eligibility
None
Employment: Salaried
Age Years: 21 to 40
Monthly income: More than ₹35,000
None
Employment: Self Employed
Age Years: 21 to 40
Annual Gross Income: More than ₹6,00,000
Sources
Everything above is extracted from the following issuer documents. Where a figure here and
the issuer's page disagree, the issuer's page is authoritative.