HDFC Bank Wish Credit Card

Interest-free period

Interest-free period of up to 45 days.

Verified · Most Important Terms & Conditions (MITC) – Wish Credit Card · 2026-08-05 · source

Milestone benefit

• Additional 200 reward points on completing transactions worth ₹15,000 in any statement month across any mode of transaction.
• An additional 30-day hold period applies from the date reward points are credited before they are available for claim.
• (Credit Balance Refund, fees, interest charges, reversal transactions and EMI transactions are not included in total spends for milestone calculation.).

Verified · Most Important Terms & Conditions (MITC) – Wish Credit Card · 2026-08-05 · source

Redemption value

• Each reward point is worth Re 1.
• Reward points redeemed as cashback of equivalent value credited into cardholder's PhonePe account.
• Minimum 50 reward points as 'Claimable Points' balance required to redeem.
• Reward points available for redemption once settled by merchant with the Bank plus an additional hold period of up to 30 days from date of settlement.
• Reward points valid only for 12 months from the date of accumulation.

Verified · Most Important Terms & Conditions (MITC) – Wish Credit Card · 2026-08-05 · source

Reward cap

• Bill Payments category (3%): up to 150 reward points per statement month.
• Preferred Merchants category (1%): up to 200 reward points per statement month.
• Offline Scan & Pay category (1%): up to 150 reward points per statement month.

Verified · Most Important Terms & Conditions (MITC) – Wish Credit Card · 2026-08-05 · source

Reward exclusion

Verified · Most Important Terms & Conditions (MITC) – Wish Credit Card · 2026-08-05 · source

Insurance

• Zero liability for misuse on a card or PIN after informing the Bank of the loss, unless the cardholder has acted with gross negligence.
• Liability for unauthorised transactions detailed per RBI limited-liability framework (see Annexure 1).

Verified · Most Important Terms & Conditions (MITC) – Wish Credit Card · 2026-08-05 · source

Eligibility

• Card is issued against a fixed deposit.
• Applicable credit limit is minimum 90% of the fixed deposit.
• Minimum deposit requirement commences at ₹100.
• Credit limit assignment is at the sole discretion of the Bank.

Verified · Most Important Terms & Conditions (MITC) – Wish Credit Card · 2026-08-05 · source