# Equitas Excite Hdfc Bank Credit Card

**Best for:** Frequent travelers using IRCTC services

**Think twice if:** Rarely spends on fuel or taxes

**Key strengths:** Earn 3X Reward Points on IRCTC · 3X Reward Points on tax payments · 3X Reward Points on fuel purchases

## Fees

- **Joining Fee:** Joining Fee of Rs. 500
- **Annual Fee:** Renewal Fee of Rs.500
- **Fee Waiver:** Spend Rs.1 Lakhs For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 2 Reward Points Per Rs.150
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- **Milestone Benefits:** Array

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