
HDFC
Annual Fee
₹2,500
Reward Rate
4×
Welcome Bonus
—
Min Income
₹12.0L
Built for heavy spenders who want real perks, like lounge access at airports. 4× rewards on everything you buy, plus the extras that make a difference. Requires ₹12,00,000 annual income.
Excludes: Government transactions, utility payments, fuel
8×
Reward Points
₹0.25 / pt
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