HDFC Bank UPI RuPay Mega Saver Credit Card

Annual feeJoining feeRenewal fee

₹99 + GST

Fee waiver rule

Renewal membership fee waived by spending ₹25,000 or more in an annual year.

Reward rate

3% CashPoints on groceries, dining & PayZapp transactions, 2% on utility payments, 1% on all other spends.

Reward exclusions

1% CashPoints on all other eligible spends (Excludes Rent, Wallet Loads, EMI, Fuel, Insurance Payments, and Government categories

What one reward unit is worth

CashPoints can be redeemed against the statement balance at 1 CashPoint = ₹0.25.

Catalogue redemption

CashPoints can be used for Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: redeem up to a maximum of 50% of the booking value at a value of 1 CashPoint = ₹0.25

Milestone benefits

Renewal membership fee waived by spending ₹25,000 or more in an annual year.

Fuel surcharge waiver

Not offered: Fuel Surcharge waiver Not Applicable

Surcharge on railway tickets

1% of the transaction amount + GST on Railway Ticket Purchases (refer IRCTC website for detailed fee structure); applicable for all cards other than IRCTC

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

Markup fee of 1.75% on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas (with effect from 15th May 2026)

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher.

Interest on unpaid balance

1.99% Monthly, 23.88% Annually (excluding GST)

Interest-free period

Up to 50 days interest-free from the date of purchase

Late payment fee

Late Payment Fee: Nil (less than equal to ₹100) to ₹1300 (more than ₹50,000)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹550

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged; international Education transactions will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

Processing fee of ₹99 + GST for each catalogue redemption request; a redemption request may contain one or multiple items/products redeemed together, and processing fee is charged once per request

Wallet load charge

1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month, applied on the total wallet loading spends in a calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST is applicable on all Fees, Interest, and other Charges

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Eligibility

Issued to existing bank customers.