Verified 6 Aug
Rohit Saxena
Asked 27 Feb 2026
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
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The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
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A Mastercard premium tier card.
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A Mastercard basic card.
Looking for a zero-annual-fee credit card that gives solid value on online shopping. My spends are around ₹1,00,000/month.
