HDFC Smart Pay
Lowest-fee credit card from HDFC, utility-only.
External link to HDFC Bank’s own application page.
The HDFC Smart Pay costs ₹199 a year, waived at ₹20,000 annual spend. It earns 1% on all spends. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much HDFC Smart Pay actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the HDFC Smart Pay earn?
What you earn back, by category.
500 CashPoints on activation
What do you get with the HDFC Smart Pay?
- 1 CashPoint per ₹150 on retail
- 1% fuel surcharge waiver
- Auto-pay reminders
- Contactless payments
Who qualifies for the HDFC Smart Pay?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
HDFC Smart Pay FAQ
›What is the HDFC Smart Pay annual fee?
The annual fee is ₹199. It is waived if you spend ₹20,000 in a year.
›What does the HDFC Smart Pay earn?
It earns 1% on all spends.
›What is the HDFC Smart Pay forex markup?
The HDFC Smart Pay charges 3.5% forex markup on foreign-currency spends.
›What income do you need for the HDFC Smart Pay?
The stated minimum income is ₹1,80,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the HDFC Smart Pay welcome bonus?
500 CashPoints on activation.
›Are these HDFC Smart Pay figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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