The Equitas Elegance HDFC has a ₹1,000 annual fee (waived on ₹2.5 lakh annual spend), earns 2 Reward Points Per ₹150 and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹2.5 lakh annual spend |
| Base rewards | 2 Reward Points Per ₹150 |
| Forex markup | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
More about the Equitas Elegance Hdfc Bank Credit Card
Is the Equitas Elegance Hdfc Bank Credit Card worth it in 2026?
Yes, the Equitas Elegance Hdfc Bank Credit Card is worth it in 2026 for users who spend regularly on groceries, utility bills, IRCTC, and tax payments. It offers 5X reward points on these categories and 2 reward points per Rs.150 spent, with a joining and renewal fee of Rs.1000 each, which can be waived by spending Rs.50000.
Who should get the Equitas Elegance Hdfc Bank Credit Card?
This card is ideal for frequent spenders on groceries, utility bills, IRCTC bookings, and tax payments who want to earn high reward points. Users aiming to earn milestone bonuses of 1500 and 10000 reward points will also benefit from this card.
How to maximise rewards on the Equitas Elegance Hdfc Bank Credit Card?
To maximise rewards, focus your spending on groceries, utility bills, IRCTC, and tax payments to earn 5X reward points. Additionally, aim to spend Rs.50000 to get the joining fee waived and unlock milestone bonuses of 1500 and 10000 reward points.
What purchases give the best value on the Equitas Elegance Hdfc Bank Credit Card?
The best value comes from spending on groceries, utility bills, IRCTC bookings, and tax payments, where you earn 5X reward points. Regular purchases earn 2 reward points per Rs.150 spent, but the 5X categories offer significantly higher rewards.