HDFC Bank Cards

10% benefit on railway tickets
✔︎ 5% benefit on railway tickets – on IRCTC ticketing website and IRCTC Rail Connect App
You get 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app – only on bookings upto ₹20,000 per month (since the maximum reward points you can earn at this accelerated rate is restricted to 1000 reward points per month).
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
– Reward points are valid for 2 years from date of earning.
✔︎ Additional 5% benefit on rail ticket booking on HDFC Smartbuy
You earn ₹5 cashback, on rail ticket purchases on HDFC Smartbuy – only on ticket purchase/s upto ₹20,000 per month (since monthly cashback is capped at ₹1000 per month).

1% benefit on UPI spends : The IRCTC HDFC Bank Credit card is enabled for linking UPI. Currently, you can link your IRCTC HDFC Bank Credit Card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
– You get 1 reward point worth ₹1, on every ₹100 you spend on UPI payments – only on UPI payments upto ₹50,000 per month (since you can earn a maximum of 500 reward points per calendar month on UPI spends).

1% basic benefit on all other card spends : You get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
– No cashback is given on fuel purchases, rent payments, government-related transactions, education transactions, wallet loads /gift or prepaid card load/ voucher purchase, EMI transactions, payment of card fees and other charges, payment of outstanding balances, cash advances.

Quarterly milestone benefit of upto 1.6% : You get a gift voucher worth ₹500, upon spending ₹30,000 or more every 90 days.
Note : Cash transactions, Dial-An- EMI, Cash-on-Call, Balance Transfer, Card Account Fee, Personal Loan on Credit Card, etc will not be considered as eligible spends for this offer.

Complimentary access to railway lounges in India – 2 per quarter

1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
– You get a 1% transaction charges waiver on IRCTC website and app, only on spends upto ₹1 lakh per month (since the maximum waiver amount is restricted to ₹1000 per monthly card statement cycle).

Fuel surcharge waiver : You get 1% fuel surcharge waiver
– only on fuel transactions between ₹400 and ₹5000
– only on yearly fuel purchases of upto ₹25000 per month (since the maximum waiver amount is limited to ₹250 per monthly card statement cycle).

3.3% special cashback benefit on 5 select partners – Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy
– You earn 13.3 cash points worth ₹3.3 , on every ₹100 you spend on these 5 specific partners – only on purchases upto ₹₹18,750 per month
– CashPoints can be redeemed as cashback against your credit card statement balance – through net banking, phone banking or physical redemption form

1.67% cashback on EMI transactions at merchant locations
– You get 6.66 CashPoints worth 1.67 , on every ₹100 you spend on EMI transactions at the time of purchases. Since 1 CashPoint = ₹0.25.
– CashPoints can be redeemed as cashback against your credit card statement balance – through net banking, phone banking or physical redemption form

0.33% basic cashback benefit on all other spends
– You get 1.33 CashPoints worth 33 paise , on every ₹100 you spend on all other purchases. Since 1 CashPoint = ₹0.25.
– CashPoints can be redeemed as cashback against your credit card statement balance – through net banking, phone banking or physical redemption form

Upto 1% additional milestone related benefits : For each calendar quarter, if you spend ₹50,000 or more, you will receive gift vouchers worth ₹500.

1% fuel surcharge waiver
– Only on fuel transactions between ₹400 and ₹5,000 only AND
– Only on fuel purchases of upto ₹25,000 per month only (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle)

5% cashback on preferred merchants – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
You earn ₹5 , on every ₹100 you spend on these 10 specific merchants – only on purchases upto ₹20,000 per month
Exceptions :
– 5% cashback on these select merchants given only for non-EMI spends on these merchants. EMI transactions (at merchant location) & wallet loads at these merchants will be considered under the 1% basic cashback category.
– All gift card/ prepaid card loads & voucher purchase transactions are considered under the 1% basic cashback category.

1% cashback on all other spends : You earn ₹1 , on every ₹100 you spend on all other purchases – only on purchases upto ₹1,00,000 per month
Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI).
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional milestone related benefits : Additional benefits based on achievement of quarterly spend targets
– If you spend ₹1 lakh or more in a calendar quarter, you will receive gift vouchers worth ₹1,000.

Complementary visits to domestic airport lounges in India – 2 times per quarter
– For Mastercard, Visa and Rupay card variants , please click below for details
Airport Lounge Details – Mastercard, Visa & Rupay Cards
– For Diners Club card variants , please click below for details
Airport Lounge Details – Diners Card

1% fuel surcharge waiver : Fuel surcharge waiver at all fuel stations –
– Only on fuel transactions between ₹400 and ₹5,000
– Only on fuel purchases upto ₹25000 per month
– Both conditions above need to be met to avail surcharge waiver

Attractive dining program – in partnership with Swiggy & Dineout
– 20% discount on restaurant bill payments at over 20,000 restaurants – via Swiggy Dineout.
– Valid only for payments made through the Swiggy app, on dining transactions more than ₹1500.

10% cashback on Swiggy apps – Food ordering || Instamart || Dineout || Genie
You earn ₹10 cashback, on every ₹100 you spend on Swiggy (food ordering, Instamart, Dineout, and Genie) – only on purchases upto ₹15,000 per month (since the maximum cashback you can earn at this special 10% rate is capped at ₹1500 per monthly card statement cycle).
Exceptions : Cashback not applicable on Swiggy Money wallet, Swiggy liquor, and Swiggy minis.
Please note :
– Cashback is earned as Swiggy Money in your Swiggy account on the Swiggy app. And can used as cash on the Swiggy app only on the following Swiggy platforms – Food ordering || Instamart || Dineout || Genie .
– You can utilize Swiggy Money selecting Swiggy Money under the profile section payment method within the Swiggy application
– Swiggy Money expires after 1 year from the date of earning. When using Swiggy Money, the cashback with the nearest expiry date will be utilised first to maximise your benefits.
– Cashback is not given on transactions under ₹100

5% cashback on online purchases across various categories , including Amazon and Flipkart
You can earn ₹5 cashback, on every ₹100 you spend on online purchases across various categories given below, including Amazon and Flipkart – only on purchases upto ₹30,000 per month (since the maximum cashback you can earn at this special 5% rate is capped at ₹1500 per monthly card statement cycle).
– Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
– Department stores, apparel, and home decor
– Electronics
– Local cabs
– Entertainment
– Pharmacies & personal care
– Online pet stores
Exception : Cashback will not be given on any grocery purchases and gift card purchases.
Please note :
– Cashback is earned as Swiggy Money in your Swiggy account on the Swiggy app. And can used as cash on the Swiggy app only on the following Swiggy platforms – Food ordering || Instamart || Dineout || Genie .
– You can utilize Swiggy Money selecting Swiggy Money under the profile section payment method within the Swiggy application
– Swiggy Money expires after 1 year from the date of earning. When using Swiggy Money, the cashback with the nearest expiry date will be utilised first to maximise your benefits.
– Cashback is not given on transactions under ₹100

1% basic cashback benefit on all other spends
You earn ₹1 , on every ₹100 you spend on all other purchases – only on purchases upto ₹50,000 per month (since the maximum cashback is capped at ₹500 per card statement cycle).
Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

1% – 3.33% basic benefit rate on all purchases.
■ 3.33% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 1.66% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 1% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.
Note – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions

3% – 10% special benefit rate on
– Flipkart purchases
– rail tickets bookings
(done via HDFC Smartbuy platform)
■ 10% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 5% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 3% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

5% – 16.6% special benefit rate on
– buying instant vouchers
– flights & bus booking
– Apple purchases
(done via HDFC Smartbuy platform)
■ 16.6% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 8.3% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 5% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

10% – 33.33% special benefit rate on
– hotels booking
– purchases on gifting website – IGP.com
(done via HDFC Smartbuy platform)
■ 33.3% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 16.6% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 10% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

Limits & Restrictions on 3X-10X accelerated rewards : You can earn a maximum of 15,000 special reward points per calendar month on the 3X – 10X categories described above.

Unlimited complimentary airport lounge access – both within India and abroad :
– You enjoy unlimited complimentary lounge access at airports within and outside India.
– International lounge access is available at 1,000+ airport lounges using Priority Pass. This benefit is also available for add on cardholders.

Unlimited free golf rounds in India & abroad. And unlimited free coaching lessons in India :
– You enjoy unlimited complimentary golf games at top courses across India , and select courses worldwide.
– Additionally, you enjoy unlimited complimentary golf coaching at chosen golf courses in India.

Hotel & dining with ITC Hotels :
– You can enjoy a 3-night stay at participating ITC hotels, and only pay for two nights.
– Additionally, you get a 1+1 complimentary buffet offer at participating ITC Hotels across India.

Club Marriott Membership for 1 year : You receive a complimentary one-year Club Marriott Membership, granting you exclusive privileges such as:
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at select participating Marriott hotels in India, from Monday to Friday.

Complimentary insurance benefits 
– accidental air death cover worth ₹3 crore
– emergency overseas hospitalisation coverage of up to ₹50 lakhs
– lost card liability cover of up to ₹9 lakhs.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹1,00,000 AND
– on upto ₹1,00,000 fuel spend per month, since the maximum waiver is capped at ₹1000 per monthly card statement cycle

Dining benefits : You get a 15% discount (capped at ₹1000) on all bill payments via Swiggy Dineout at 20,000+ restaurants , and a complimentary Swiggy One Membership Upgrade.

1% cashback benefit on 5 select partners – Big Basket || Swiggy || BookMyshow || OYO || Uber
– You earn 6.6 cash points worth ₹1 , on every ₹100 you spend on these 5 specific partners – only on purchases upto ₹37500 per month. 1 CashPoint = ₹0.15.
– CashPoints can be redeemed as cashback against your credit card statement balance – through net banking, phone banking or physical redemption form.

0.50% cashback on – EMI transactions at merchant locations
– You get 3.33 CashPoints worth 50 paise , on every ₹100 you spend on EMI transactions at merchant locations at the time of purchase – only on purchases upto ₹75000 per month. . Since 1 CashPoint = ₹0.15.
– CashPoints can be redeemed as cashback against your credit card statement balance – through net banking, phone banking or physical redemption form.

0.10% basic cashback benefit on all other spends
– You get 0.66 CashPoints worth 10 paise , on every ₹100 you spend on all other purchases. Since 1 CashPoint = ₹0.15.
– CashPoints can be redeemed as cashback against your credit card statement balance – through net banking, phone banking or physical redemption form.

1% fuel surcharge waiver
– Only on fuel transactions between ₹400 and ₹5,000 only AND
– Only on fuel purchases of upto ₹25,000 per month only (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle)
– Both conditions above need to be met to avail surcharge waiver

✔︎ 5% benefit on Tata Neu spends : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.

Additional 5% benefit on Tata Neu spends, as a Neu Pass member :
▪︎ As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.​ For details on the Tata NeuPass, please click here.
▪︎ To see categories & Tata brands on which these additional benefits are available, please click here . Some examples:
– Grocery : BigBasket
– Fashion & accessories : Titan, Tata CLiQ, Westside
– Electronics : Croma
– Travel : Taj group of hotels, Air India, Air Asia
– Food delivery & healthcare : Tata 1 mg, Q Min

Hence you could earn upto 10 NeuCoins worth ₹10, on every ₹100 you spend on Tata Neu – on select categories as shown above.

On below 3 categories, you can earn a maximum benefit of 5% on Tata Neu, even as a Neu Pass member :
Bill payments : Tata Pay
Jewellery : Tanishq
Entertainment : Tata Play
Fitness : Cult Fit

✔︎ 5% special benefit on select Tata brands : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets). This is valid only on non-EMI purchases only. Please click here for the list of partner Tata brands.

✔︎ 1.50% basic benefit on all other purchases : You earn 1.5 NeuCoins worth ₹1.50 , on every ₹100 you spend on all other purchases

✔︎ 1.50% benefit on UPI spends (on Rupay card version) : You earn 1.5 NeuCoins worth ₹1.50 , on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month. For more information on UPI spending on RuPay credit cards, click here.

✔︎ Complimentary visits to airport lounges outside India – 1 time per quarter –
– For the Visa variant of the Card, this program is brought to you by Priority Pass. For list of available lounges, please click here – Priority Pass Lounge Details
– For Rupay variant of the card, please click here for a list of available lounges and other important terms and conditions

✔︎ Complimentary visits to airport lounges in India – upto 2 times per quarter : This is applicable for both Visa and Rupay variants of the Card.  For latest list of lounges and all terms and conditions, please click here- Domestic Lounges for HDFC Tata Neu Infinity Credit Card

✔︎ 1% fuel surcharge waiver : You get a 1% fuel surcharge waiver , at all fuel stations across India – only on fuel transactions between ₹400 and ₹5000, AND on upto ₹50,000 of fuel purchases per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle)

✔︎ Complimentary Insurance Benefits
– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs

5.80% benefit on fuel transactions – at IndianOil outlets –
– 4.8% benefit on IOCL fuel purchases : You earn 5 fuel points worth ₹4.80 , on every ₹100 you spend at IOCL fuel outlets – on purchases up to ₹5,000 per month (only for the first 6 months from card issuance, after 6 months on purchases up to ₹3,000 per month). 1 fuel point = ₹0.96 or 96 paise, when you redeem fuel points at IndianOil outlets.
– 1% fuel surcharge waiver at all fuel stations: Only on fuel transactions over ₹400 AND on up to a maximum of ₹25,000 fuel spend per month. Both these conditions need to be met to avail fuel surcharge waiver.

4.80% benefit on grocery purchases : You earn 5 fuel points worth ₹4.80 , on every ₹100 you spend on groceries, only on purchases up to ₹2,000 per month

4.80% benefit on bill payments : You earn 5 fuel points worth ₹4.80 , on every ₹100 you spend on bill payments, only on payments up to ₹2,000 per month

0.64% benefit on all other purchases : You earn 0.66 fuel points worth ₹0.64 (64 paise) , on every ₹100 on all other purchases. Important exceptions : No reward points are earned for rental and government category payments.

8% special benefit on Shoppers Stop Private Label Brands : You earn 13.33 First Citizen Points worth ₹8, on every ₹100 you spend on Shoppers Stop Private label brands (since 1 First Citizen Points = ₹0.60 or 60 paise) – on spends upto ₹15,000 per month (since you can earn a maximum of 2,000 Shoppers Stop First Citizen Points in your monthly card billing cycle)

6% special benefit on all other Shoppers Stop Brands : You earn 10 First Citizen Points worth ₹6, on every ₹100 you spend on all other Shoppers Stop brands (since 1 First Citizen Points = ₹0.60 or 60 paise) – on spends upto ₹20,000 per month (since you can earn a maximum of 2,000 First Citizen Points in your monthly card billing cycle)

2% basic benefit on all other spends : You earn 3.33 First Citizen Points worth ₹2 , on every ₹100 you spend on all other purchases (since 1 First Citizen Points = ₹0.60 or 60 paise). Except no rewards on fuel purchases, wallet loads, Rent & Utilities, Purchase of jewellery/gold coins or equivalents, EMI transactions, Account fees and payment

Complimentary visits to airport lounges in India – upto 4 times per quarter : you can check the list of lounges and all other details by clicking here.

Complimentary visits to airport lounges outside India – upto 2 times per quarter : you get free visits to airport lounges outside India – upto 2 times per quarter

Complimentary insurance covers :
– Accidental Air Death Cover: The Shoppers Stop Black HDFC Bank Credit Card provides an accidental air death cover worth ₹3 crores.
– Emergency Overseas Hospitalisation: In case of emergencies during overseas travel, the card offers coverage for emergency hospitalisation expenses up to ₹50 lakhs.

Fuel surcharge waiver : 1% fuel surcharge waiver at all fuel stations:
– only on fuel spends upto ₹50,000 per month (since the maximum waiver amount is capped at ₹500 per month).