All cards / HDFC Bank
HDFC Bank Equitas Elegance Credit Card
Visa
HDFC Bank Equitas Elegance Credit Card
The higher of HDFC Bank's two Equitas co-brand cards, Elegance targets Equitas customers wanting a credit limit above ₹2 lakh with stronger grocery and travel multipliers. Fees are still modest relative to HDFC's own mid-tier cards, but the card is only open to Equitas SFB customers.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1.33%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.33% base rate
Benefits by category
- 🛒 Groceries
6.67% reward rate
- ✈️ Travel
2.67% reward rate
- 🏨 Hotel
2 reward points per ₹150 spent; 2x points on flights and hotels, 5x points on grocery, supermarket and department stores.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.75% p.a.
Benefits
- 2 reward points per ₹150 spent; 2x points on flights and hotels, 5x points on grocery, supermarket and department stores.
- 1,500 bonus points on ₹50,000 monthly spend; 10,000 bonus points on ₹5 lakh annual spend.
- Joining fee waived on ₹50,000 spend within 90 days.
Pros
- + 5x points on grocery and department-store spends
- + Higher credit limit band than Excite
- + Joining fee waiver reachable within 90 days
Cons
- − Only available to Equitas Small Finance Bank customers
- − 3.5% forex markup with no travel-card waiver
- − Interest rate on revolved balances is on the higher side