HDFC Equitas Eligance Credit Card
HDFC Bank
last updated: Nov 08, 2025
₹999
₹999
1.99%
6 visits/yr
Contents
A premium co-branded credit card offering accelerated rewards on groceries, travel and dining. It combines attractive milestone bonuses and lounge access with a low forex markup for international travellers. Ideal for frequent shoppers and diners seeking high reward rates and practical travel benefits.
Features of HDFC Equitas Eligance Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than peers
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based insights
Rewards Structure of HDFC Equitas Eligance Credit Card
Milestones of HDFC Equitas Eligance Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹2,00,000 : Free flight ticket
Fees & Charges of HDFC Equitas Eligance Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on ₹1,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts and applicable taxes will be charged as per the card terms.
Lounge Access Benefits with HDFC Equitas Eligance Credit Card
domestic Lounges
goldVisits per year: 4
Guest access: No
Valid for primary cardholder only
international Lounges
platinumVisits per year: 2
Guest access: Yes
Access via Priority Pass
Insurance Coverage with HDFC Equitas Eligance Credit Card
Travel Insurance
₹10,00,000Valid on international trips
Purchase Protection
₹50,000Within 90 days of purchase
Additional Features of HDFC Equitas Eligance Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with HDFC Equitas Eligance Credit Card
Welcome Bonus: 10,000 reward points
Bonus Conditions: Valid for new customers only. Points credited after qualifying spends are verified within 90 days.
Application Process for HDFC Equitas Eligance Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for HDFC Equitas Eligance Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Equitas Eligance Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Equitas Eligance Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of HDFC Equitas Eligance Credit Card
- Strong reward structure
- Complimentary lounge visits
- Attractive milestone bonuses
Cons of HDFC Equitas Eligance Credit Card
- Annual fee unless waiver criteria met
- Limited merchant offers outside dining and groceries
Frequently Asked Questions about HDFC Equitas Eligance Credit Card
Is there a joining fee?
Yes — ₹999 joining fee is applicable, which may be waived under promotional conditions.
What are the annual fee waiver conditions?
Spend ₹1,00,000 in a year to get the next year's annual fee waived.
How do I earn the welcome bonus?
Earn the welcome bonus by spending the required amount (₹20,000) within 90 days. Points are credited after verification.
What is the forex conversion fee?
A forex markup of 1.99% applies on international transactions.
Can I add supplementary cards?
Yes — up to 3 add-on cards are allowed for family members; terms apply.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
