HDFC Equitas Excite credit card credit card
Joining Fee:

₹500 +GST

Return Percentage:

1% to 2%

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Credit Card Overview

A youth-focused Equitas Excite card powered by HDFC, providing simple cashback, milestone benefits, and easy redemption for new-to-credit users.

Best Suited For: Cashback

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Fees and charges at a glance

Annual fee
₹500

Charged every year you keep the card

Joining fee
₹500

Paid once when you get the card, plus GST

Reward rate
1% to 2%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

HDFC Equitas Excite credit card — Earn Categories

Other categories

  • GroceryF&B · Grocery6 reward points / ₹150

    Minimum ₹150 per transaction

  • FuelFuel · Fuel6 reward points / ₹150

    1% charge on this category · Minimum ₹150 per transaction

Everyday rate

  • Base Rewards2 Reward Points (reward points) / ₹150

    Minimum ₹150 per transaction

2 more earning categories on this card

We track all 5 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app