₹41,160

10% cashback on Swiggy app food orders and Dineout bill-pay — orders must be ≥₹249 after discounts. Shares a ₹1,500/month cap with Instamart.

• Swiggy food delivery via app or web — 10%
• Swiggy Dineout bill-pay at partner restaurants — 10%
• Transactions ≥ ₹249 per order (post-discount)
• Swiggy Genie orders — 0% (silent cut vs 2023 card)
• Swiggy Money wallet loads, Swiggy Minis, Swiggy Liquor — 0%
• Zomato, EatSure, in-restaurant dining — 1% base only
• Swiggy orders under ₹249 — drops to 1% base

10% cashback on Swiggy Instamart orders ≥₹249. Shares the ₹1,500/month cap with Swiggy food delivery + Dineout.

• Swiggy Instamart orders ≥ ₹249 — 10%
• Combines with Swiggy app food orders up to the ₹1,500/mo shared cap
• Blinkit, Zepto, BigBasket, Amazon Fresh — 1% base
• Supermarket and kirana swipes — 1% base
• Instamart orders under ₹249 — drops to 1%
• Gold coin or jewellery on Instamart — excluded

5% cashback on HDFC's curated online merchant list (apparel, electronics, pharmacies, personal care, travel, entertainment, cabs, dept stores). Must be ONLINE — offline swipes at the same merchants earn 1%. Min ₹100/txn. SEPARATE ₹1,500/month cap — does not share with the 10% Swiggy bucket.

• Amazon, Flipkart, Myntra, Nykaa, Ajio online — 5%
• Cleartrip, Yatra, EaseMyTrip, Goibibo online — 5%
• BookMyShow, Uber, Ola booked online — 5%
• PharmEasy, Croma, Reliance Digital online — 5%
• Netflix, SonyLiv, Disney+ Hotstar, Amazon Prime — 5%
• Offline POS at the same merchants (Croma store, Nykaa physical) — 1% base
• Gift card / voucher purchases at eligible merchants — 0%
• HDFC SmartBuy / SmartPay transactions — excluded from 5%
• EMI-converted purchases — retroactive clawback

1% cashback on all other eligible spends (offline POS, uncategorized online). Min ₹100/txn. Cap ₹1,000/month.

• Offline POS at any MCC not in the 5% list — 1%
• General online spend not on the curated list — 1%
• Transactions ≥ ₹100 per swipe
• Fuel, rent, wallet loads, insurance, education, government — 0%
• Utilities / telecom (not an earning category on this card) — 0%
• Transactions under ₹100 — 0%
• EMI conversions, cash advances, foreign currency purchase — 0%

5X RP (10 RP/₹100 ≈ 2.5% at ₹0.25/RP) on dining. The 7,500 RP/month pool is shared with groceries, movies, and departmental stores.

• Restaurants, cafes, food courts (MCC 5812/5814) — 5X
• Swiggy and Zomato where merchant MCC matches — 5X
• Beyond 7,500 RP/month pool — 2 RP/₹100 base
• Alcohol-only outlets (MCC 5921) — 0
• Education, rent, wallet, fuel, government — excluded entirely

5X on groceries also covers departmental stores (Shoppers Stop, Lifestyle, Westside) — modelled under this bucket. The 7,500 RP/month pool is shared with dining and movies.

• DMart, More, Reliance Fresh, Spencer's — 5X
• Shoppers Stop, Lifestyle, Westside, Pantaloons — 5X
• Blinkit, Zepto, BigBasket — MCC-dependent, often base only
• Beyond 7,500 RP/month pool — 2 RP/₹100 base
• Liquor-only outlets and jewellery — excluded

5X on movies/entertainment shares the same 7,500 RP/month pool as dining and groceries. Fast to fill.

• PVR, INOX, Cinepolis bookings — 5X
• BookMyShow movies — 5X (MCC-dependent)
• Non-movie BookMyShow (events, plays, sports) — base rate
• Gaming platforms (MCC 5816/7993/7994) — 0
• Beyond 7,500 RP/month pool — 2 RP/₹100 base

8X Bonvoy points apply only to direct bookings at participating Marriott Bonvoy hotels (marriott.com, reservation line, or front desk). Third-party OTAs fall to 4X travel or 2X base.

• marriott.com / Bonvoy app reservations — 8X
• Front-desk folio charges (room + dining bundled) — 8X on the entire folio
• Brands in scope: JW, Marriott, Sheraton, Westin, Le Méridien, Renaissance, Courtyard, Fairfield, Four Points, Aloft, St. Regis, Ritz-Carlton, W, Autograph, Tribute, Moxy, Element, AC, Delta, Gaylord, Protea, Design, Luxury, MGM
• MakeMyTrip / Booking.com / Agoda / Expedia Marriott bookings — 4X travel only
• In-hotel restaurant charges paid separately (not on folio) — often code 4X dining, not 8X
• Marriott Bonvoy experiences / shop — 2X base only

4X on restaurants, bars, fast food (MCC 5812/5813/5814). Food-delivery apps MAY code as merchant services (MCC 5399/5651) and slip to 2X — verify on statement.

• Dine-in restaurants, bars, cafés, fast food — 4X
• Marriott-property F&B bundled on room folio — lifts to 8X
• Swiggy / Zomato delivery — often codes 2X (merchant services MCC)
• Grocery or kirana purchases coded as food — 2X base

4X on airlines, OTAs, rail, bus, car rental. Competitive with HDFC Regalia Gold base but behind Infinia SmartBuy (5X) or Atlas travel portal.

• Airline direct bookings (IndiGo, Air India, Vistara, etc.) — 4X
• OTAs (MakeMyTrip, Cleartrip, Yatra) — 4X
• Rail (IRCTC), bus, car rental — 4X
• Fuel surcharge-waiver transactions at petrol pumps — 0 earn on fuel
• Travel-agent-coded bookings (MCC 4722 intermediaries) — often slip to 2X

4X on entertainment — cinemas (MCC 7832), theatrical/concerts (7922), and non-skill gaming (7994).

• PVR / INOX / BookMyShow cinema tickets — 4X
• Theatre, concerts, events via BookMyShow — 4X
• Online skill-based gaming — excluded (MCC 7995 HDFC platform exclusion)
• OTT subscription — 2X base (falls outside the entertainment MCC band)

10% cashback on dining — restaurants, bars, and fast food tagged at MCCs 5812/5813/5814. Shares a ₹1,000/billing-cycle cap with food delivery and groceries; once exhausted, additional dining drops to zero (not 1.5%).

• Standalone restaurants and bars — 10%
• QSR / fast food with correct MCC — 10%
• Live+ Dining Programme partners (EazyDiner / PayEazy) stack 15% off + 10% cashback on post-discount ≈ 23.5% effective
• Mall-based food courts often coded MCC 5399 (misc retail) — 1.5% base only
• Restaurant gift cards / vouchers — coded non-dining MCCs, 1.5% at best
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

10% cashback on food delivery — Swiggy, Zomato, Swiggy Instamart, Swiggy Dineout. Shares the same ₹1,000 monthly pool with dine-in and groceries.

• Swiggy, Zomato food delivery orders paid by card — 10%
• Swiggy Instamart, Swiggy Dineout — 10%
• Swiggy Money wallet loads (MCC 6540) — 0% (excluded)
• UPI payments on food-delivery apps — 0% (no UPI on this card)
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

10% cashback on groceries coded MCC 5411 — DMart, Blinkit, Zepto, BigBasket, Amazon Fresh, JioMart, Licious, Reliance Fresh, and most kirana with correct MCC. Shared ₹1,000 monthly pool with dining and food delivery.

• DMart, Blinkit, Zepto, BigBasket, JioMart, Amazon Fresh, Licious — 10%
• Reliance Fresh — 10% (separate from Smart Point / Smart Bazaar)
• Kirana stores with POS tagged MCC 5411 — 10%
• Milkbasket — MCC outside 5411, 1.5% base only
• Flipkart Grocery (MCC 5699 misc retail) — 1.5% base only
• Reliance Smart Point / Smart Bazaar (often MCC 5722 home décor) — 1.5% base only
• Blinkit Amazon-voucher hack — patched 2024 to MCC 5732, now 1.5% only
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

1.5% unlimited cashback on every other eligible spend — no cap, no category gate. Credits automatically as statement credit 2–5 working days after the statement date.

• Retail, online shopping (non-grocery, non-dining) — 1.5%
• Travel, subscriptions, entertainment — 1.5%
• International spend — 1.5% (minus 3.5% forex markup, net negative abroad)
• Fuel, rent, utilities, insurance, EMIs, education, government, B2B — 0% (excluded post-15 Jul 2024)
• Jewellery, wholesale clubs, gambling, tolls, charity, collections — 0%
• Financial / quasi-cash (MCC 6011/6012/6051/6211 — includes crypto, broker funding) — 0%

Hotel bookings made through HDFC SmartBuy earn 10X (~13.3% at ₹0.50/RP). Direct hotel websites earn only the 2.67% base.

• Hotel bookings via smartbuy.hdfcbank.com — 10X
• Capped at 4,000 RP/month; 2,000 RP/day
• Booking.com, Agoda, Airbnb, hotel direct sites — base rate
• Beyond 4,000 RP/month cap — base rate only

Flight bookings via HDFC SmartBuy earn 5X (~6.67%). Booking direct with airlines or other OTAs drops to the 2.67% base.

• Flights via smartbuy.hdfcbank.com — 5X
• Shares cap with hotels: 4,000 RP/month
• IndiGo, Vistara, Air India direct websites — base rate
• MakeMyTrip, Yatra, Cleartrip — base rate

5X on Gyftr vouchers purchased through HDFC SmartBuy — e.g. buy a Myntra voucher, then spend it to effectively earn ~6.67% on Myntra.

• Gyftr vouchers (Amazon, Flipkart, Myntra, etc.) via SmartBuy — 5X
• Buying the same voucher on Gyftr.com directly — base rate
• Utility/insurance/tax vouchers — earn 0

5X earn applies only at Myntra, Marks & Spencer, Nykaa, and Reliance Digital — paid directly, not via SmartBuy.

• Myntra, M&S, Nykaa, Reliance Digital app/website — 5X
• Capped at 5,000 RP/month across these merchants
• Ajio, Tata CLiQ, Amazon, Flipkart — base rate
• Gift card purchases at these merchants — base rate

The 10% cashback only applies to orders placed on the Swiggy app or swiggy.com (food delivery and Dineout). Orders must be at least ₹249 after discounts.

• Swiggy food delivery via app or website — 10%
• Swiggy Dineout bill-pay at partner restaurants — 10%
• Transactions ≥ ₹249 per order (post-discount)
• Zomato, EatSure, or any in-restaurant dining — 1% base only
• Swiggy Money wallet loads or Swiggy Minis — 0%
• Swiggy Liquor orders — 0%
• Swiggy orders under ₹249 after discounts — drops to 5% or 1%

Groceries only earn 10% when ordered through Swiggy Instamart on the Swiggy app. Other grocery channels fall to the base rate.

• Swiggy Instamart orders ≥ ₹249 — 10%
• Shares the ₹1,500/month cap with Swiggy food delivery
• BigBasket, Blinkit, Zepto, or Amazon Fresh — 1% base
• Supermarket and kirana swipes — 1% base
• Instamart orders under ₹249 — drops to 1%

The 5% travel cashback applies only to Cleartrip flight and hotel bookings — other OTAs earn the base rate.

• Cleartrip flights and hotels — 5%
• MakeMyTrip, Yatra, EaseMyTrip, Booking.com — 1% base
• Airline or hotel direct websites — 1% base

Online shopping earns 5% only on HDFC's curated list of MCC-filtered merchants (apparel, electronics, cabs, pharmacies, dept stores). Both the MCC and the merchant must match.

• Major online apparel, electronics, pharmacy, and dept-store sites
• Uber/Ola rides booked online
• Transactions ≥ ₹100
• Gift card purchases at eligible merchants — 0%
• HDFC SmartBuy portal transactions — 0% (excluded March 2026)
• Rent, utilities, fuel, education, insurance — excluded categories

10% cashback on dining — restaurants, bars, and fast food tagged at MCCs 5812/5813/5814. Shares a ₹1,000/billing-cycle cap with food delivery and groceries; once exhausted, additional dining drops to zero (not 1.5%).

• Standalone restaurants and bars — 10%
• QSR / fast food with correct MCC — 10%
• Live+ Dining Programme partners (EazyDiner / PayEazy) stack 15% off + 10% cashback on post-discount ≈ 23.5% effective
• Mall-based food courts often coded MCC 5399 (misc retail) — 1.5% base only
• Restaurant gift cards / vouchers — coded non-dining MCCs, 1.5% at best
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

10% cashback on food delivery — Swiggy, Zomato, Swiggy Instamart, Swiggy Dineout. Shares the same ₹1,000 monthly pool with dine-in and groceries.

• Swiggy, Zomato food delivery orders paid by card — 10%
• Swiggy Instamart, Swiggy Dineout — 10%
• Swiggy Money wallet loads (MCC 6540) — 0% (excluded)
• UPI payments on food-delivery apps — 0% (no UPI on this card)
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

10% cashback on groceries coded MCC 5411 — DMart, Blinkit, Zepto, BigBasket, Amazon Fresh, JioMart, Licious, Reliance Fresh, and most kirana with correct MCC. Shared ₹1,000 monthly pool with dining and food delivery.

• DMart, Blinkit, Zepto, BigBasket, JioMart, Amazon Fresh, Licious — 10%
• Reliance Fresh — 10% (separate from Smart Point / Smart Bazaar)
• Kirana stores with POS tagged MCC 5411 — 10%
• Milkbasket — MCC outside 5411, 1.5% base only
• Flipkart Grocery (MCC 5699 misc retail) — 1.5% base only
• Reliance Smart Point / Smart Bazaar (often MCC 5722 home décor) — 1.5% base only
• Blinkit Amazon-voucher hack — patched 2024 to MCC 5732, now 1.5% only
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

1.5% unlimited cashback on every other eligible spend — no cap, no category gate. Credits automatically as statement credit 2–5 working days after the statement date.

• Retail, online shopping (non-grocery, non-dining) — 1.5%
• Travel, subscriptions, entertainment — 1.5%
• International spend — 1.5% (minus 3.5% forex markup, net negative abroad)
• Fuel, rent, utilities, insurance, EMIs, education, government, B2B — 0% (excluded post-15 Jul 2024)
• Jewellery, wholesale clubs, gambling, tolls, charity, collections — 0%
• Financial / quasi-cash (MCC 6011/6012/6051/6211 — includes crypto, broker funding) — 0%