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Milled metal and paper — the material a card is made from.

HDFC Bank Wish Credit Card

HDFC Bank

Annual / renewal fee

Nil (no annual fee).

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Earn rate

  • 3% reward points on UPI spends via PhonePe on Bill Payment categories (Mobile Recharge, FASTag, DTH, Cable TV, Electricity, Mobile Postpaid, Broadband/Landline, Prepaid Meter, Piped Gas).
  • 1% reward points on UPI spends via PhonePe on Preferred Merchants (Amazon, Flipkart, Myntra, Ajio, Nykaa, Swiggy, Zomato, District, Urban Company).
  • 1% reward points on all offline merchants using Scan & Pay via PhonePe.
  • Cashback only applicable where transaction amount is >= ₹100.
  • Each reward point is worth Re 1.

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at utkarsh.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-15
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at utkarsh.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Wish Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Nil (no joining fee).

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Annual / renewal fee

Nil (no annual fee).

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Fee waiver

  • Physical Card Fee of ₹249 plus taxes is not applicable for customers with Eligible Fixed Deposit (FD) value of ₹10,000 or above.
  • Determined by FD amount maintained at time of card issuance and during first 12 months of card ownership.

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Rewards

  • 3% reward points on UPI spends via PhonePe on Bill Payment categories (Mobile Recharge, FASTag, DTH, Cable TV, Electricity, Mobile Postpaid, Broadband/Landline, Prepaid Meter, Piped Gas).
  • 1% reward points on UPI spends via PhonePe on Preferred Merchants (Amazon, Flipkart, Myntra, Ajio, Nykaa, Swiggy, Zomato, District, Urban Company).
  • 1% reward points on all offline merchants using Scan & Pay via PhonePe.
  • Cashback only applicable where transaction amount is >= ₹100.
  • Each reward point is worth Re 1.

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM IST

Redemption value

  • Each reward point is worth Re 1.
  • Reward points redeemed as cashback of equivalent value credited into cardholder's PhonePe account.
  • Minimum 50 reward points as 'Claimable Points' balance required to redeem.
  • Reward points available for redemption once settled by merchant with the Bank plus an additional hold period of up to 30 days from date of settlement.
  • Reward points valid only for 12 months from the date of accumulation.

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Reward cap

  • Bill Payments category (3%): up to 150 reward points per statement month.
  • Preferred Merchants category (1%): up to 200 reward points per statement month.
  • Offline Scan & Pay category (1%): up to 150 reward points per statement month.

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Reward exclusion

Govt related transactionsAgriculture/Contractor Services MCCsRent payments/Wallet loads/gift or prepaid card loads/voucher purchasePurchase of gold/jewelleryInsurance/Post Office/Transit/UtilitiesEducationFuelCash advancesPayment of Outstanding BalancesPayment of card fees and other chargesAll types of EMI transactions

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Insurance

  • Zero liability for misuse on a card or PIN after informing the Bank of the loss, unless the cardholder has acted with gross negligence.
  • Liability for unauthorised transactions detailed per RBI limited-liability framework (see Annexure 1).

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Milestone benefit

  • Additional 200 reward points on completing transactions worth ₹15,000 in any statement month across any mode of transaction.
  • An additional 30-day hold period applies from the date reward points are credited before they are available for claim.
  • (Credit Balance Refund, fees, interest charges, reversal transactions and EMI transactions are not included in total spends for milestone calculation.).

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Eligibility

Eligibility

  • Card is issued against a fixed deposit.
  • Applicable credit limit is minimum 90% of the fixed deposit.
  • Minimum deposit requirement commences at ₹100.
  • Credit limit assignment is at the sole discretion of the Bank.

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Charges & interest

Forex markup

Forex mark-up fee: 3.5% of transaction amount.

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Interest-free period

Interest-free period of up to 45 days.

VerifiedMost Important Terms & Conditions (MITC) – Wish Credit Card5 Aug 2026, 5:35 PM ISTHDFC Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Wish Credit Card?

Officially traced: Nil (no annual fee).

Most Important Terms & Conditions (MITC) – Wish Credit Card

What is the joining fee on the Wish Credit Card?

Officially traced: Nil (no joining fee).

Most Important Terms & Conditions (MITC) – Wish Credit Card

Is the Wish Credit Card annual fee ever waived?

Physical Card Fee of Rs. 249 plus taxes is not applicable for customers with Eligible Fixed Deposit (FD) value of Rs. 10,000 or above.

Most Important Terms & Conditions (MITC) – Wish Credit Card

How does the Wish Credit Card earn rewards?

3% reward points on UPI spends via PhonePe on Bill Payment categories (Mobile Recharge, FASTag, DTH, Cable TV, Electricity, Mobile Postpaid, Broadband/Landline, Prepaid Meter, Piped Gas); 1% reward points on UPI spends via PhonePe.

Most Important Terms & Conditions (MITC) – Wish Credit Card

What are the transfer ratios for Wish Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) – Wish Credit CardWish Credit Card (fleet document) — governing document (side-door search)

Official terms

https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.

VerifiedWish Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:10 AM ISTHDFC Bank

Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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