# Equitas Elegance Hdfc Bank Credit Card

**Best for:** Frequent tax and grocery spenders

**Think twice if:** Low spenders or infrequent users

**Key strengths:** 5X Reward Points on tax payments · 5X Reward Points on grocery purchases · Bonus rewards for reaching spending milestones

## Fees

- **Joining Fee:** Joining Fee of Rs.1000
- **Annual Fee:** Renewal Fee of Rs.1000
- **Fee Waiver:** Spend Rs.50000 For Joining Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 5X Reward Points on Tax Payments
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- **Milestone Benefits:** Array

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