HDFC Smart Pay
Lowest-fee credit card from HDFC — utility-only.
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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.
Reward rates
What you earn back, by category.
500 CashPoints on activation
What you get
- 1 CashPoint per ₹150 on retail
- 1% fuel surcharge waiver
- Auto-pay reminders
- Contactless payments
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
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