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Last updated: 4 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 to 6 points per ₹150 spent
You earn a base rate of 2 Reward Points per ₹150 spent on general retail. This doubles to 4 Points per ₹150 on essential categories (Dining, Entertainment, Fuel, Travel, and Utilities). The biggest draw is 3X rewards (6 Points per ₹150) when shopping directly on the Snapdeal platform.
The privileges that come bundled in, beyond the reward points.
Snapdeal Multiplier: Earn triple reward points exclusively when shopping on the Snapdeal e-commerce platform.
Accelerated Everyday Spend: Double reward points (4 per ₹150) across dining, entertainment, travel, and utility bill payments.
Fuel Surcharge Waiver: Save up to ₹250 per billing cycle via fuel surcharge waivers at all petrol pumps in India.
Fee Reversal: Spend ₹1,50,000 or more in a year to completely waive the ₹500 renewal fee for the subsequent year.
Zero Lost Card Liability: Full protection against fraudulent transactions if the loss is reported immediately.
An honest read on where this card earns its keep — and where it doesn't.
Low barrier to entry with a modest ₹500 annual fee, ideal for first-time credit card users.
Excellent point multipliers if you are a frequent shopper on the Snapdeal ecosystem.
The ₹1.5 Lakh annual fee waiver milestone is relatively easy to achieve for a primary cardholder.
Broadly covers everyday essentials by offering double points on utilities, fuel, and dining.
This is an older legacy co-branded card; Snapdeal's market dominance has shrunk, making the core benefit less appealing today.
Reward points expire relatively quickly—you only have 2 years (24 months) to redeem them before they vanish.
Lacks modern travel perks such as complimentary domestic or international airport lounge access.
Transactions below ₹150 yield absolutely zero reward points.
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Bank Snapdeal Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC Bank Snapdeal Credit Card fees, reward conversion, lounge access, and application eligibility.
HDFC Bank Snapdeal Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Kickstart your shopping with a welcome bonus of 500 Reward Points upon realization of the joining fee.".
HDFC Bank Snapdeal Credit Card earns Reward Points at a primary rate of 2 to 6 points per ₹150 spent. Specifically, You earn a base rate of 2 Reward Points per ₹150 spent on general retail. This doubles to 4 Points per ₹150 on essential categories (Dining, Entertainment, Fuel, Travel, and Utilities). The biggest draw is 3X rewards (6 Points per ₹150) when shopping directly on the Snapdeal platform.. Spends in Shopping, Lifestyle categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 700 or above is strongly recommended for approval of HDFC Bank Snapdeal Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Bank Snapdeal Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Bank Snapdeal Credit Card levies a forex markup fee of 3.50% markup applied to the converted Indian Rupee transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Bank Snapdeal Credit Card currently features a welcome offer: "Kickstart your shopping with a welcome bonus of 500 Reward Points upon realization of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Low barrier to entry with a modest ₹500 annual fee and ideal for first-time credit card users.. However, keep in mind that This is an older legacy co-branded card; Snapdeal's market dominance has shrunk and making the core benefit less appealing today.. Overall, HDFC Bank Snapdeal Credit Card delivers strong value if your regular spending aligns with Shopping, Lifestyle.
HDFC Bank Snapdeal Credit Card is focused on Shopping and Lifestyle valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, HDFC Bank Snapdeal Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: Save up to ₹250 per billing cycle via fuel surcharge waivers at all petrol pumps in India.). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for HDFC Bank Snapdeal Credit Card directly through HDFC Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
