The Equitas Excite HDFC has a ₹500 annual fee (waived on ₹1 lakh annual spend), earns 2 Reward Points Per ₹150 and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹1 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 Excite Hdfc Bank Credit Card
Is the Equitas Excite Hdfc Bank Credit Card worth it in 2026?
The Equitas Excite Hdfc Bank Credit Card offers strong rewards like 3X Reward Points on fuel, groceries, utility bills, and IRCTC spends, making it valuable for regular users. With a joining and renewal fee of Rs. 500 each, the fee is waived if you spend Rs. 20,000, enhancing its worth for active cardholders.
Who should get the Equitas Excite Hdfc Bank Credit Card?
This card is ideal for individuals who frequently spend on fuel, groceries, utility bills, and IRCTC bookings. If you spend regularly and can meet the Rs. 20,000 threshold to waive the joining fee, you can maximize the benefits from the 3X Reward Points and milestone bonuses.
How to maximise rewards on the Equitas Excite Hdfc Bank Credit Card?
To maximize rewards, focus your spending on fuel, groceries, utility bills, and IRCTC transactions to earn 3X Reward Points. Additionally, aim to spend at least Rs. 20,000 to waive the Rs. 500 joining fee and unlock milestone bonuses of 500 and 2500 Reward Points.
What purchases give the best value on the Equitas Excite Hdfc Bank Credit Card?
Purchases on fuel, groceries, utility bills, and IRCTC bookings offer the best value with 3X Reward Points. Other spends earn 2 Reward Points per Rs. 150, so prioritizing these categories maximizes your rewards.