1. 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions

2. 2% Cashpoints on Utility spends (Maximum of 500 Points can be earned in a calendar month)

3. 1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel & Government categories

4. Get renewal membership fee waived off by spending ₹25,000 and above in an annual year

5. The CashPoints earned on HDFC Bank UPI RuPay Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.25, and can be done via Net Banking login, or physical redemption form