HDFC
UPI RuPay
Entry-level card · No lounge access · fee waiver threshold ₹25,000 · 3.5% forex markup.
Weak for high forex and low base rewards
High forex No lounge access Low annual fee Supports UPI
Lounge Access
- Domestic visits
- No lounge access
- International visits
- Not available in current snapshot
International Use
- Forex markup
- 3.5%
- Product tier
- Entry-level
Fees
- Annual fee
- ₹99
- Joining fee
- ₹99
- Fee waiver spend
- ₹25,000 Below catalog median waiver (₹3,00,000 vs ₹25,000).
Rewards
- Points per ₹100
- 1 pts
- Effective earn
- 1% cashback
Confidence: High
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