Base earn
1% base cashback
HDFC RUPAY
UPI RuPay
Should you get this?
Conditional fit
Why this card
- Up to 3% on Dining Grocery Supermarket
- 3% on eligible Dining Grocery Supermarket, subject to caps.
- 1% on other eligible spending.
Trade-off
The annual fee (₹99) is waived only when eligible annual spend exceeds ₹25,000.
Annual fee ₹99 per year
Base cashback 1%
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank ACE →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1%—500 CashPoints per month
Dining Grocery Supermarket3%—500 CashPoints per month
When does this card pay for itself?
Rewards break-even estimate ₹10K
Conservative yearly spend needed at base cashback rates.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getBest verified lane
Dining Grocery Supermarket
3%
View bonus categories →Caps
- Dining Grocery Supermarket500 CashPoints per month
- General spend500 CashPoints per month
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹25,000yearAnnual fee waiver
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ₹500 base cashback if the entire ₹50,000 qualifies for the general-spend lane · uses base/general earn rate; partner and category bonuses not included
- ~₹6,000/year base cashback · renewal annual fee waived at this spend (joining fee may still apply in year 1)
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · single source · verify on issuer site
Where to verify
Rewards
- Base earn
- 1% base cashback
- Reward type
- Cashback
- Point validity
- Points expire 2 years after earning · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹99
- Joining fee
- ₹99 · verified 20 Jun 2026
- Fee waiver spend
- Above ₹25,000 · verified 20 Jun 2026 Annual fee waived on eligible anniversary-year spend above ₹25,000.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Entry-level
Travel & perks
Fuel Benefits
At the pump- No fuel surcharge waiver is available on this card.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- General cashback cap: 500 points per month.
- Dining Grocery Supermarket cashback cap: 500 points per month.
Latest update
- Annual fee: ₹99.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies above ₹25,000 annual spend. Verify eligible spend exclusions before counting on it.
Learn more
Guides matched to this card — not a random syllabus.
- Cashback vs points
When simple cash beats flashy miles - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum