Value Chart

Value Chart
Features	Monthly Spends (INR)	Annual Savings (INR)
Reward Points Earnings on Train Ticket Bookings
5% as Reward Points for every INR 100 spent on IRCTC Ticketing Website/Rail Connect App	4000*	2,400
1% Transaction charges waiver on IRCTC Transactions ( Upto INR 1,000 per statement cycle)		500
Additional 5% Cashback on every INR 100 spent on IRCTC through HDFC Bank SmartBuy		2,400
Reward Points Earnings on Other Spends
1% as Reward Points for every INR 100 spent on all other spends	16,000	1500*
1% Fuel Surcharge waiver (Upto INR 250 per statement cycle)	4000*	500
Milestone Benefits
Milestone Benefit - Gift Voucher worth INR 500 on quaterly spends of INR 30,000		2,000
Waivers
Annual Fee Waiver on Annual spends of INR 150,000		500
Welcome Benefit
Welcome Benefit - Gift Voucher worth INR 500 on first transaction within 37 days of card issuance		500
Travel Benefit
8 Complimentary IRCTC Executive Lounge Access per year (2 per quarter)		3,200
Total savings on annual spends of INR 2,40,000	20,000	13,500

Above illustration is a representation of average spends behavior and may change basis actual spends done.

*Customer will get 5X Reward points and 1% Transaction Charges waiver on train ticket booking under same transaction

*INR 4000 of fuel spends is considered as a part of INR 16,000 spends made on all other categories

*Few of the Merchant Categories are not eligible for reward point earnings

Terms and conditions:

• The accrual of the 5X HDFC Bank Reward points on partner IRCTC spends is capped maximum at 1000 Reward. Points per month and 12000 Reward points Annually.

Value Chart for the Customer