Key Features & Benefits
- ✦All purchases of ₹10,000+ automatically converted to EMIs (9 months, 1.67%/month)
- ✦2.5% cashback on all online purchases
- ✦1% cashback on all offline purchases
- ✦500 CashPoints welcome benefit
- ✦Annual fee waiver on ₹50,000 annual spend
- ✦1% fuel surcharge waiver
- ✦Zero processing fee EMI conversion at select merchants
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Welcome & Joining Benefits
- ✦500 CashPoints on joining
Milestone Benefits
- ✦₹50,000 annual spend → fee waived
Pros & Cons
✓ Advantages
- ✓Great for big-ticket purchases like electronics, appliances
- ✓Auto-EMI removes need to manually apply for EMI
- ✓2.5% cashback on online — good rate for an entry card
- ✓Annual fee waived at just ₹50,000
✗ Disadvantages
- ✗Auto-EMI may not always be desirable — check if it's avoidable
- ✗No lounge access
- ✗EMI interest at 1.67%/month is added cost if not managed
Frequently Asked Questions
Can I opt out of the auto-EMI conversion?▼
Certain transactions above ₹10,000 are auto-converted, but you can call HDFC Bank to convert back to normal billing (within the first billing cycle) if you prefer to pay in full. Confirm current opt-out options with HDFC.
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