HDFC Gold Business Credit Card - Features & Benefits

HDFC Gold Business Credit Card - Features & Benefits

Apply HDFC Gold Business Credit Card online

It makes Perfect Business Sense - Better Business with HDFC Bank International Business card.
Welcome to the world of exclusive privileges and world class services. The HDFC Bank International Business Card is designed to add value to your business, while keeping in mind the conveniences and lifestyle benefits for business owners and the self employed community specifically.

To know more about the features, services and how you can benefit from the HDFC Bank Gold BusinessCard, read on.

Features of Gold BusinessCard

Better Business with the HDFC Bank Businesscard

* Higher Credit Limits
Get Up to 10 lacs as credit limit on the card basis the company / business financials.
* Spend Based Interest Rates #
Pay lesser rate of interest when you spend more on the Gold Businesscard. The card offers you a unique benefit of spend based interest rates. i.e. The more you spend on the card in a month the less interest you accrue. The interest rates are 3.25% pm for spends upto Rs 10000 in a month and 3.05% for spends above Rs 10,000 on incremental spends.
* Petro Surcharge Waiver
Drive the extra mile with the Gold Businesscard. Enjoy full waiver of the fuel surcharge across all fuel pumps.


Business Savings

* Earn rewards with your Card*
Enjoy the benefits of our exciting Rewards Programme. You will earn 1 Rewards Point for every Rs.200 spent on your Card. By accumulating these, you can redeem them into airmiles, gift cards and host of exciting gifts and offers.
* Save on Business spends
Save on your business related spends with our extensive partner tie-ups. Our partner tie-ups are across office and business equipment, services and supplies, Travel services, Telecommunications & Security System and Services with leading brands including Acer Laptops, HP/Canon/Xerox Printers, Honda Power products, Reliance world Blackberry, Tata AIG and many more....

Business and Travel Insurance Covers

HDFC Bank Gold Businesscard provides you insurance against various risks the business and the cardholder might face.

* Business Insurance
The card offers inbuilt insurance to cover your business office premises towards fire and burglary for up to 2 lacs.
* Travel Insurance Covers
o Air Accident Cover - 10 Lacs.
o Rail / Road Accident Cover - 3 Lacs.
o Purchase Protection - 50,000.
o Hospitalisation Cover - 50,000.

Comprehensive travel covers covering loss of baggage, loss of air ticket, delayed flight, late baggage arrival and loss of passport.


Other Features

* Cash at your fingertips
In a situation where you need cash, just step into any one of our ATMs or MasterCard Member ATMs and withdraw cash upto 40% of your credit limit at a very nominal charge.
* Free Credit Period*
Enjoy up to 45 days interest free credit on your purchases.

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HDFC Commercial Credit Card - Corporate card Fees & Charges

HDFC Commercial Credit Card - Corporate card Fees & Charges

The schedule of charges for HDFC Bank Corporate Credit Card is as follows:

Interest Free Period : Upto 50 days

Minimum Repayment Amount: 5%, Minimum Rs 200

Cash Advance Limit : 40% of credit limit

Joining Fee : Nil

Annual Fee : Nil

Additional Card fee : Nil

Charges On revolving Credit : 3.25% P.M., 39.0% Annually - from Transaction date #

Cash Advance Charges :2.5% on amount withdrawn or Rs 300 whichever is higher

Late Payment Charges : Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20001.

Charges on overlimit account : 2.5% of overlimit amount subject to a minimum of Rs 500

Payment return Charges :2% of payment amount subject to min of Rs 300

Cash processing fee : With effect from 1 May 2007, cash processing fee of Rs 50 per payment is payable on cash deposits at HDFC Bank branches/ATMs.Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee.

Balance Transfer / Balance Transfer on EMI Processing Charges : 2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher

Petrol Transaction Charge : 0% surcharge

Railway Ticket Purchase Fee : Rs. 30 + 2.5% of transaction amount

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Outstation Cheque Processing Charge :Rs. 100

Retrieval Fees ( Chargeslip) : Rs. 125 per Chargeslip

Foreign Currency Transactions: Bank Charges Cross currency mark-up of 3.5%

Service Tax : Applicable on all Fees, Interest and other charges


# wef 1st Sep'08

Service Tax Applicable on all fees, interest and other charges
As per the Finance (No 2) Act 2006, all fees & charges mentioned in the Tarriffs, Charges or Fees Brochures will attract Service Tax @ 12% & Education Cess @ 3% of the service tax amount effective 11th May 2007.

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HDFC Commercial Credit Card - Corporate card Features & Benefits

HDFC Commercial Credit Card - Corporate card Features & Benefits

Apply HDFC Corporate Credit Card online

Corporate Benefits*

24x7 online MIS availablity.
60 MIS reports for better informed business decisions.
Substantial savings for the business through better negotiations with airlines, hotel chains and other service providers.
Streamlines accounting procedures by consolidating transaction data from around the world.
Helps in integrating with the exisiting accounting systems.
Helps in minimising paperwork and simplifying reconciliation and compliance tasks.
Smart Data online Reports

- Card programme analysis including transaction totals, ATM usage
etc.
- Spending Analysis by category
- Expense reports
- Cost allocation details & summary
- Merchant summary & details
- Account management for detailed transaction information at
employee level.

Cardholder Benefits
My rewards
Earn upto 1 reward points for every Rs.150 spent on the card. Points earned can be redeemed for exciting gifts and Air miles
Fabulous Discounts all over the world
Complementary IBTC membership would ensure you get up to 50% discounts at over 10,000 Star Hotels all over the world.
Petrol Surcharge Waiver
Offering 0% surcharge on petrol spends across all petrol pumps.
Revolving Credit Facility #
Upto 50 days interest free period on your card along with interest rates of 3.25 % per month.
Protection Through Insurance
To show how much we care, we have provided accident insurance covers upto 25 lacs on air travel and 3 lacs on rail travel.

# wef 1st Sep'08
*Conditions Apply

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HDFC Commercial Credit Card - Corporate Platinum Fees & Charges

HDFC Commercial Credit Card - Corporate Platinum Fees & Charges

The schedule of charges for HDFC Bank Corporate Platinum Credit Card is as follows:


Schedule of charges

Interest Free Period : Upto 50 days

Minimum Repayment Amount : 5%, Minimum Rs 200

Cash Advance Limit : 40% of credit limit

Joining Fee : Nil

Annual Fee : Nil

Additional Card fee : Nil

Charges On revolving Credit : 3.25% P.M., 39.0% Annually - from Transaction date #

Cash Advance Charges : 2.5% on amount withdrawn or Rs 300 whichever is higher

Late Payment Charges : Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20001.

Charges on overlimit account : 2.5% of overlimit amount subject to a minimum of Rs 500

Payment return Charges : 2% of payment amount subject to min of Rs 300

Cash processing fee : With effect from 1 May 2007, cash processing fee of Rs 50 per payment is payable on cash deposits at HDFC Bank branches/ATMs.

Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee.

Balance Transfer / Balance Transfer on EMI Processing Charges: 2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher

Petrol Transaction Charge : 0% surcharge

Railway Ticket Purchase Fee : Rs. 30 + 2.5% of transaction amount

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Outstation Cheque Processing Charge : Rs. 100

Retrieval Fees ( Chargeslip) : Rs. 125 per Chargeslip

Foreign Currency Transactions : Bank Charges Cross currency mark-up of 3.5%

Service Tax : Applicable on all Fees, Interest and other charges

wef 1st Sep'08

Service Tax Applicable on all fees, interest and other charges
As per the Finance (No 2) Act 2006, all fees & charges mentioned in the Tarriffs, Charges or Fees Brochures will attract Service Tax @ 12% & Education Cess @ 3% of the service tax amount effective 11th May 2007.

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HDFC Commercial Credit Card - Corporate Platinum Card

HDFC Commercial Credit Card - Corporate Platinum Features & Benefits

Apply HDFC Commercial Credit Card Online

It's Not just a card, It's a designation
Experience the power of HDFC Bank Corporate Platinum Card

HDFC Bank Corporate Platinum Card is a premium offering to provide you with truly world beating features on your credit card. It comes with a unique 24x7 Expense management solution called SMART DATA ONLINE, powered by Mastercard International.


Corporate Features *
24x7 online MIS availablity.
60 MIS reports for better informed business decisions.
Substantial savings for the business through better negotiations with airlines, hotel chains and other service providers.
Streamlines accounting procedures by consolidating transaction data from around the world.
Helps in integrating with the existing accounting systems.
Helps in minimising paperwork and simplifying reconciliation and compliance tasks.
Smart Data online Reports

* Card programme analysis including transaction totals, ATM usage etc.
* Spending Analysis by category
* Expense reports
* Cost allocation details & summary
* Merchant summary & details
* Account management for detailed transaction information at employee level.

Cardholder Benefits
My rewards
Earn upto 2 reward points for every Rs.150 spent on the card.
Privileges
Access to premium lounges accross airports in India
Travel Benefits
10% cashback on all air tickets and hotels booked on www.yatra.com, through mastercard travel benefits program
Fabulous Discounts all over the world
Complementary IBTC membership would ensure you get up to 50% discounts at over 10,000 Star Hotels all over the world.
Petrol Surcharge Waiver
Offering 0% surcharge on petrol spends across all petrol pumps.
Revolving Credit Facility #
Upto 50 days interest free period on your card.
Protection Through Insurance
To show how much we care, we have provided accident insurance covers upto 25 lacs on air travel and 3 lacs on rail travel.

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HDFC World Master Credit Card Features & Benefits

HDFC World Master Credit Card Features & Benefits


World Luxury :

HDFC Bank World Master Card entitles you to an exclusive "Taj Epicure" membership. Indulge yourself in the hospitality of Taj hotels and resorts world wide. And there's more! You can now enjoy the fine culinary delights of the Taj and enjoy a discount on all your visits through Taj Epicure membership.

World Travel :
On Booking airline tickets of top airline operators avail a 6% cashback on your air tickets through our travel partner.

World Holidays :

For power travelers, the world is the destination. Make use of the HDFC Bank World MasterCard Credit Card for priority bookings and discounts at 28000 hotels and resorts across the world through your Travel Club Holiday membership (powered by RCI).

MasterCard Travel Benefits Program :
Enjoy flat 10% cashback on domestic and international airline & hotel bookings through www.yatra.com. Pls visit www.mastercard.yatra.com for details

MasterCard Lounge Access :

Use your World MasterCard Credit Card and enjoy exclusive access to premium airport lounges across India. You get exclusive access to Clipper Lounge at International Airport at Mumbai, Kolkata, Cochin, Chennai, New Delhi and Clipper Lounge at Domestic Airport at Mumbai, Kolkata, Cochin.

World Rewards :
What does one reward a connoisseur for ? We reward them for their passion, refinement, taste and experience. The rewards range from exotic to interesting to measurable - all yours with a powerful accelerated Reward Program! Earn up to 4 reward points per Rs 150/- using the HDFC Bank World Credit Card.

World Benefits :

Superiority of HDFC Bank World MasterCard Credit Card is evident even in everyday use. You can transfer the outstanding balance on your existing credit card to HDFC Bank World MasterCard Credit Card at 0% interest for 3 months. You also enjoy an interest free period upto 50 days, the lowest interest rate of 3.05% on revolving credit facility (36.6% annually) # and petrol surcharge waiver of 2.5% across all petrol pumps in the country. Enjoy the world at your fingertips.

Should you need any more information or assistance on the world credit card our customer care representatives are available round-the-clock for your assistance. Come experience the world of many contented moments.

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HDFC Visa Signature Credit Card Features & Benefits

HDFC Visa Signature Credit Card Features & Benefits

Apply HDFC Visa Signature Credit Card Online

A card for the rarest of the rare A card with unique and exclusive privileges that complement your refinement and style.
Presenting the HDFC Bank Visa Signature Credit Card, that grants you preferential access to services and benefits around the world. Customer care representatives provide round-the-clock assistance to help you avail these benefits

Come experience the world of many contented moments.

Signature Golf
In golf they say, you meet your toughest opponent. You. So now face him more often, thanks to your HDFC Bank Visa Signature Credit Card.
In association with Golf-OAAG, your card can avail you golfing benefits at premium courses in Delhi, Mumbai, Kolkata, Chennai, Bangalore, Hyderabad, Ahmedabad and Pune.

Signature Access
Don't let airport transfers wear you out. You can now access over 500 airport lounges across the world with your HDFC Bank Visa Signature Credit Card.
It provides you well deserved rest, refreshments and full use of facilities like phone, fax, internet and conference rooms.

Signature Holidays
For power travelers like you, world is the destination. Make use of the HDFC Bank Visa Signature Credit Card for priority bookings and discounts at 28000 hotels and resorts across the world through your Travel Club Holiday membership (powered by RCI).

Signature Dining*
Celebrating a business win or your friendship over an exquisite dinner, your VISA Signature Card lets you relish your evening like never before with a privileged, one-time dining offer at Le MERIDIEN and WESTIN Hotels & Resorts

Signature Class*
Airport pick-up & drop off, a businesstrip or a city tour. Your VISA Signature Card puts you on the road to luxury with offers from Hertz, India's leading car rental service. As a VISA Signature Cardholder, only you have the luxury of enjoying both, a car upgrade & a discount, together.

Signature Rewards
What does one reward a connoisseur for? We reward them for their passion, refinement, taste and experience. The rewards range from exotic to interesting to measurable. All yours with a powerful accelerated Reward Program. Earn 2 Reward Points for every Rs.150 spent on your card and double Reward Points (2 extra points) for every Rs. 150 spent above Rs. 15000. Experience the power of the HDFC Bank Visa Signature Credit Card. Experience the delights.

Signature Benefits
Superiority of HDFC Bank Visa Signature Credit Card is evident even in everyday use. You can transfer the outstanding balance on your existing credit card to HDFC Bank Visa Signature Credit Card at 0% interest for 3 months. You also enjoy an interest free period upto 50 days, the lowest interest rate of 3.05% on revolving credit facility (36.6% annually)# and petrol surcharge waiver of 2.5% across all petrol pumps in the country. Enjoy the world at your fingertips.

Note: Signature Concierge & Signature Assurance features will be withdrawn wef 27th June,2008

# wef 1st Sep'08
*Valid till 31st Dec'08.

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HDFC - Platinum Plus Credit Card Fees & Charges

HDFC - Platinum Plus Credit Card Fees & Charges

The schedule of charges for HDFC Platinum Plus Credit Card is as follows:

Interest Free Period : Upto 50 days

Minimum Repayment Amount : 5% subject to a minimum of Rs 200

Cash Advance Limit 50% of credit limit

Joining Fee : Rs. 1000

Annual Fee : Rs. 3999

Additional Card fee : Free

Charges On revolving Credit : 3.15% P.M., 37.8% Annually - from Transaction date

Cash Advance Charges : 2.5% on amount withdrawn or Rs 300/- whichever is higher.

Petrol Transaction Charge : NIL

Railway Ticket Purchase Fee : Rs 30 + 2.5% of transaction amount

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Late Payment Charges : Late Payment Charges - Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20000.

Charges on overlimit account : 2.50% of overlimit amount subject to a minimum of Rs 500

Outstation Cheque Processing Charge : Rs. 100

Balance Transfer / Balance Transfer on EMI Processing Charges : 2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher.

Retrieval Fees ( Chargeslip) : Rs. 125 per Chargeslip

Foreign Currency Transactions : Bank Charges Cross currency mark-up of 3.5%

Cash Processing Fees(With effect from 1 May 2007) : Rs 50 per payment on cash deposits at HDFC Bank branches/ATMs.Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee.

Service Tax : Applicable on all fees, interest and other charges

#wef 1st Sep'08

Service Tax Applicable on all fees, interest and other charges
As per the Finance (No 2) Act 2006, all fees & charges mentioned in the Tarriffs, Charges or Fees Brochures will attract Service Tax @ 12% & Education Cess @ 3% of the service tax amount effective 11th May 2007.

---

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HDFC - Platinum Plus Credit Card Features & Benefits

Platinum Plus Credit Card Features & Benefits

Apply HDFC Platinum plus Credit Card online

India's only Platinum Plus Credit Card offering exclusive travel and preferential benefits.The HDFC Bank Platinum Plus Credit Card is the best Platinum offering in the market. It is the recognition of those who have "arrived in life".

Enjoy a world of exclusive privileges on your HDFC Bank Platinum Plus Credit Card.

Exclusive travel benefits :

Discounts at over 28,000 hotels and resorts worldwide
Enjoy discounts at over 28000 hotels and resorts across the world through a complimentary Travel Club holiday membership (powered by RCI).

5% Cashback on Airline Bookings through HRG-SITA :
Get 5% Cashback when you book your domestic air tickets for India's top airlines (Air India, Jet Airways and Kingfisher Airlines) through HRG-Sita.

Attractive Reward Points :
The unique Rewards program on the Platinum Plus Credit Card now lets you accumulate 2 reward points per Rs.150 spent.

0% Fuel surcharge :
You can now fuel up as and when you want, without worrying about the surcharge - enjoy complete freedom from fuel surcharge when you purchase fuel between Rs 400 and Rs 5000 with your Platinum Plus Credit Card.

Lost card liability :
In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated to us, you are fully absolved of any liability on those transactions up to Rs. 3.00 lacs.

Interest free credit facility :
Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).

Revolving Credit Facility :
You can enjoy the Revolving Credit Facility of the Platinum Plus Credit Card at an interest rate of 3.15% per month.

Balance Transfer :
You can transfer the balances from your other credit cards to the Platinum Plus Credit Card, and enjoy an interest-free period of 3 whole months on the transferred amount.

Utility bills through your credit card :
Register your Platinum Plus Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Ensure that all your utility bills are paid on time, without any hassle for you.

Note: Worldwide Concierge Services feature will be withdrawn wef 27th June,2008

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Credit Card Usage Guide

Credit card Do's and Dont's

Protect yourself from credit Card fraud by following the simple suggestions given below:

Do's :

If you lose your credit card, please report the loss immediately.
When you dispose of a card at the time of renewal/upgradation, please make sure to cut it diagonally before disposal.
Please keep your card in a safe place. Treat it as carefully as you would treat your cash.
Please ensure the card is swiped in your presence.
Please make sure you conduct any ATM transaction in complete privacy.
If your card is held back by the ATM, please inform the concerned Call Center/Branch personnel immediately.
Before you use an ATM, please ensure that there are no strange objects in the insertion panel of the ATM.
Please remember to take your Debit/Credit Card back after completing your ATM transaction.
If you spot any suspicious looking people at or around any ATM, please inform the security guard immediately.
Please change your ATM PIN once every 3 months.
When you make any transactions, please make sure that the chargeslip is complete before signing.
Please pay attention to your billing cycles. Please follow up with HDFC Bank Credit Cards Customer Care if your bills don't arrive on time. A missing credit card bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks.
Please be wary of promotional scams. Identity thieves may use phony offers to get you to give them your personal information.
Please secure all personal information in your home, especially if you have roommates, employ outside help or are having service work done in your home.
Please sign your credit cards as soon as you get them.
Please check your cards periodically to make sure none are missing.
Please destroy and dispose of copies of receipts, airline tickets, travel itineraries and anything else that displays your card numbers.
Please keep items with personal information in a safe place. Please keep a list of all credit cards, account numbers, expiry dates, and the customer service phone numbers in a secure place so that you can quickly contact HDFC Bank Credit Cards Customer Care in case your cards are lost or stolen.
Please feel free to call us on HDFC Bank Credit Cards Customer Care number for any support/assistance 24 hours a day.
In case you don't recognize a transaction on your billing statement, report this instantly by:

# - Calling our 24-hour Customer Call Center OR
# - By filling up the Cardholder Dispute form Click here with the required details and send it to us at
HDFC BANK - Credit Cards Division,
P.O. Box:399, Anna Salai,
H P O , Chennai 600 002.

Dont's :

Please do not disclose your Credit Card Number/ATM PIN to anyone.
Please do not hand over the card to anyone, even if he/she claims to represent the Bank.
Never get carried away by strangers who try to help you use the ATM machine.
Please do not write the ATM PIN on the card or on a paper which you carry along with the card.

Do's and don'ts for online transactions:

Always use HDFC Bank's Netsafe feature for making online transactions. It is safe and secure. If you have not registered for it, please visit the Netsafe page.
Preferably transact on sites which mandate validation of CVC2 value (the last 3 digits after the card number, mentioned on the signature panel at the back of the card) or at websites that are certified by Verified-by-Visa or MasterCard SecureCode.
Please be careful when providing personal information online. Never give out your personal or account information to anyone you do not trust. Please make sure that you verify a business's legitimacy by visiting its web site, calling a phone number obtained from a trusted source, and/or checking with a reliable resource.
Please keep your passwords secret. Some online stores may require you to register with them via a username and password before buying. Online passwords should be kept secret from outside parties the same way you protect your ATM PIN.
Please look for signs of security. Identify security clues such as a lock image at the bottom of your browser, or a URL that begins with https://. These signs indicate that only you and the merchant can view your payment information.
Never send payment information via email. Information that travels over the Internet (such as email) is not fully protected from being read by outside parties. Most reputed merchant sites use encryption technologies that will protect your private data from being accessed by others as you conduct an online transaction.
Please keep a record of your transactions. Just as you save store receipts, you should keep records of your online purchases. Back up your transaction by saving and/or printing the order confirmation.
Please review your monthly account statement thoroughly. Immediately investigate suspicious activity to prevent any possible additional fraud before it occurs. Promptly notify your financial institution of any suspicious email activities.
Please be wary of promotional scams. Identity thieves may use phony offers to get you to give them your personal information.
In case you use your Credit Card for online transactions in Internet cafes or public-use computers, please ensure that you erase the history of websites visited/accessed.
# Please open and respond only to emails that pass some basic tests, such as:- Is the email from somebody you know?
# Have you received emails from this sender before?
# Are you expecting email with an attachment from this sender?
# Does email from this sender with the contents described in the subject line and the name of the attachment make sense?
# Does this email contain a virus?

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HDFC Woman's Gold Credit Card Eligibility

HDFC Woman's Gold Credit Card Eligibility

You are eligible for a HDFC Woman's Credit Card
if you are:

Salaried : Minimum Age : 21 Maximum Age :60

Annual Income (Rs.) Rs. 200,000/- p.a.

Self Employed : Minimum Age : 21 Maximum Age :65

Annual Income (Rs.) : Rs. 150,000/- p.a.

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HDFC Woman's Gold Credit Card Fees & Charges

Woman's Gold Credit Card Fees & Charges

Interest Free Period : Upto 50 days

Minimum Repayment Amount : 5%, Minimum Rs 200

Cash Advance Limit : 40% of credit limit

Joining Fee : Rs. 500

Annual Fee : Rs. 2000

Additional Card fee Free : for Life

Charges On revolving Credit : 3.25% P.M., 39.0% Annually - from Transaction date#

Cash Advance Charges : 2.5% of amount withdrawn or Rs 300 whichever is higher

Late Payment Charges : Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20000.

Charges on overlimit account : 2.5% of overlimit amount subject to a minimum of Rs 500

Payment return Charges : 2% of payment amount subject to minimum of Rs. 300

Cash processing fee : With effect from 1 May 2007, cash processing fee of Rs 50 per payment is payable on cash deposits at HDFC Bank branches/ATMs.
Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee.

Balance Transfer / Balance Transfer on EMI Processing Charges : 2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher.

Petrol Transaction Charge : 2.5% (subject to a minimum of Rs 10)

Railway Ticket Purchase Fee : Rs 30 + 2.5% of transaction amount

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Outstation Cheque Processing Charge : Rs. 100

Retrieval Fees ( Chargeslip) : Rs. 125 per Chargeslip

Foreign Currency Transactions : Bank Charges Cross currency mark-up of 3.5%

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HDFC - Woman's Gold Credit Card

HDFC - Woman's Gold Credit Card

Apply HDFC Woman's Gold Credit Card online

Presenting a Gold credit card exclusively for the new age woman.
Another proud offering from HDFC Bank Credit Cards replete with discounts, cash back programmes, rewards and more!

5% cash back on your Monthly household purchases
Get a whopping 5% cash back on all grocery/ supermarket/ Medical store purchases on your woman's gold card if your statement balance for that month is above Rs 20000.

Note : You can earn upto Rs 1000 as cashback in a month. The applicable cashback will be credited to your card account in the subsequent month.

Attractive rewards programme*
Get 1 reward point for every Rs.150 spent and redeem them against airmiles across leading airlines

Wide choice of redemption
MyRewards gives you an array of redemption opportunities for your Points - From microwaves to refrigerators, from Barbie dolls to latest Fashion labels, we take pride in giving you one of the widest options for getting rewarded! You can also redeem your accumulated reward points for air miles on leading airlines like Jet Airways, Air India, Kingfisher Airlines .

Revolving credit facility
Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 3.25% per month (39% annually).

Lost card liability
In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated us, you are fully absolved of any liability on those transactions up to Rs. 2.00 lacs.

Interest free credit facility
Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).

Worldwide acceptance
Accepted at over 23 million merchant establishments around the world, including 110,000 merchant establishments in India.

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HDFC - Titanium Credit Card

Titanium Credit Card Features & Benefits

Apply Titanium Credit Card Online :

Welcome to the world of limited Edition:

Welcome to Titanium The HDFC Bank Titanium Credit Card is quite simply the most exclusive Credit card you could ask for. Find out all it can do for you. And you'll never be satisfied with anything less.

Features & Benefits :

Titanium Rewards*:
The unique reward points structure gives you 2 reward points for every Rs150 on your domestic spends and 5 reward points for every Rs150 on your international spends.

MasterCard Travel Benefits Program:
Enjoy flat 10% cash back on domestic and international airline & hotel bookings through www.yatra.com. Please visit www.mastercard.yatra.com for details.

Zero petrol surcharge:
Earn while you spend on your fuel !!! As a HDFC Bank Titanium Card customer, you enjoy not only a full waiver of the fuel surcharge** that would be normally applicable otherwise, you also get the benefit of earning reward points on these spends !!

MasterCard Lounge Access :
Use your Titanium MasterCard Credit Card and enjoy exclusive access to premium airport lounges across India. You get exclusive access to Clipper Lounge at International Airport at Mumbai, Kolkata, Cochin, Chennai, New Delhi and Clipper Lounge at Domestic Airport at Mumbai, Kolkata, Cochin.

Balance Transfer facility :
You can transfer any balances on your existing credit cards to the Titanium Card and enjoy zero interest for three full months on the transferred amount.

Lost card liability :
In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated to us, you are fully absolved of any liability on those transactions up to Rs. 3.00 lacs.

Interest free credit facility :
Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).

Revolving Credit Facility #:
You can enjoy the Revolving Credit Facility of the Titanium Credit Card at an interest rate of 3.15% per month.

Note: Worldwide Concierge Services feature will be withdrawn wef 27th June,2008
# wef 1st Sep'08
* wef 20th Aug'08
** Applicable for Transactions between Rs400-5000 w.e.f. 1st Nov'08

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Credit Card Faqs

What is a Credit Limit?
The 'Credit limit' is the maximum amount you can spend or borrow using your Credit Card. This limit is determined by various personal details like your income, source of income etc. The credit limit is normally raised or lowered depending on your previous years track record in terms of spending and repayment.

Does the add-on card have a separate credit limit?
No, the add-on card member shares the same credit limit as assigned to the primary card member.

How can I pay my monthly Credit Card bills?
There are many easy ways to pay your monthly Credit Card bill such as : 1- Through ATMs
HDFC Bank account holders: All you have to do is walk in to any HDFC Bank ATM in India, at any time and transfer the bill amount from your savings or current account to your Credit Card account.

2- Through NetBanking
If you are registered for HDFC Bank's Netbanking facility, you can transfer the card bill amount from your savings or current account to the card account online.

3- VISA Money Transfer
VISA Credit Cardmembers can transfer funds from any Visa debit card within India at your own convenience through HDFC Bank's NetBanking facility.

4- Standing Instructions
If you have an account with HDFC Bank, you can instruct us in writing to automatically debit your bank account with either the minimum amount due or total amount due of your monthly outstanding on your Credit Card. Your account with HDFC Bank should be a sole account or a joint account with an 'any' or 'either' signing mandate.

5- National Electronic Funds Transfer (NEFT)
Transfer funds from any other bank account to make your card payments.Credit will reflect within 1 working day.
* Stop writing cheques now!
* Credit is dependent on NEFT settlement schedule.
For details log on to

6- Drop-box option
You can also drop a local cheque, payable to HDFC Bank Card A/c followed by your 16-digit card number, at any one of our drop boxes located in ATMs and branches in your city. HDFC Bank has an extensive network of 750 branches and 1600 ATMs across India.

7- Over the counter
Walk into any HDFC Bank branch and pay by cash.
Please note: Cash payments at branches/ATMs will be charged cash processing fee of Rs.50/- per payment w.e.f 01/05/2007.

What should I do if I don't recognize a transaction on my statement?
Report this instantly by:
Calling our 24-hour Customer Call Center OR
By filling up the Cardholder Dispute form and send it to us at
HDFC BANK - Credit Cards Division,
P.O. Box:399, Anna Salai,
H P O , Chennai 600 002.

What should I do if I lose my card or it is stolen?
Don't panic if you happen to lose your card. The first thing to do is:
Call our 24-Hour Customer Call Centre and report the loss.

Make sure you file a FIR for the lost/stolen card and send us a copy, along with a written confirmation, to the Manager - Customer Services, HDFC Bank Credit Cards Division, P.O. Box number-399 Anna Salai, H.P.O, Chennai - 600 002.
This will help us to immediately block all transactions on your card and initiate the process to deliver a new card to you within the next 3 business days. Any fraudulent transactions after reporting the loss will be borne by us. If you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces, cut it especially through the magnetic strip at least once, and return it to us.

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HDFC - Gold Credit Card Fees & Charges

HDFC - Gold Credit Card Fees & Charges

SCHEDULE OF CHARGES

Interest Free Period : Upto 50 days

Minimum Repayment Amount : 5%, Minimum Rs 200

Cash Advance Limit : 40% of credit limit

Joining Fee : Rs. 500

Annual Fee : Rs. 2000

Additional Card fee : Free for Life

Charges On revolving Credit : 3.25% P.M., 39.0% Annually - from Transaction date#

Cash Advance Charges :2.5% on amount withdrawn or Rs. 300/-, whichever is higher

Late Payment Charges : Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20000.

Charges on overlimit account: 2.5% of overlimit amount subject to a minimum of Rs 500

Payment return Charges : 2% of payment amount subject to minimum of Rs. 300

Cash processing fee : With effect from 1 May 2007, cash processing fee of Rs 50 per payment is payable on cash deposits at HDFC Bank branches/ATMs.
Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee.

Balance Transfer / Balance Transfer on EMI Processing Charges : 2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher.

Petrol Transaction Charge : 2.5% (subject to a minimum of Rs. 10)

Railway Ticket Purchase Fee : Rs. 30 + 2.5% of transaction amount

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Outstation Cheque Processing Charge : Rs. 100

Retrieval Fees ( Chargeslip) : Rs. 125 per Chargeslip

Foreign Currency Transactions : Bank Charges Cross currency mark-up of 3.5%

Repayment options :

Repayment options for an HDFC Bank International Gold Credit Card are as follows:

Cheque Drop-box facility (at HDFC Bank ATMs and other locations)
Standing instructions (on your HDFC Bank Savings / Current account)
Over the counter - at any HDFC Bank branch
Through NetBanking
Through ATMs - funds transfer facility

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HDFC - Gold Credit Card Eligibility

HDFC - Gold Credit Card Eligibility

If you fulfil the following conditions, you can be eligible for an HDFC Bank International Gold Credit Card:

Salaried : Minimum Age : 21 Maximum Age :60

Annual Income (Rs.) Rs. 200,000/- p.a.

Self Employed : Minimum Age : 21 Maximum Age :65

Annual Income (Rs.) : Rs. 150,000/- p.a.

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HDFC - Gold Credit Card

Gold Credit Card Features & Benefits

Apply HDFC Gold Credit Card Online

It's overloaded with travel benefits - discounts, cashback offers, air miles redemption.
Get an HDFC Bank International Gold Card and get introduced to a whole new world of privileges.

Up to 5% cashback on air/ rail ticketing:

5% Cash back on domestic air ticket bookings through domestic airline websites or rail ticket bookings through irctc.co.in if your statement balance for that month is above Rs 25000.

Note: You can earn upto Rs 1000 as cashback in a month. The applicable cashback will be credited to your card account within 60 days from the billing date of these transactions.


Attractive Reward Points* :
Earn 1 reward point per Rs 150 spent on the Gold Credit Card. The reward points for air and rail transactions earning cashback will be reversed.


Rewards points redemption :
After earning all those reward points on your HDFC Bank Gold Credit Card, redeem them for exciting gifts and services! You could even convert them to airline miles with India's leading airlines through the MyRewards programme.


Worldwide acceptance :
Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant Establishments in India.


Revolving credit facility :
Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 3.25% per month (39.0% annually).


Free Add-on card :
You can share these wonderful features with your loved ones too - we offer the facility of an add-on card for your spouse, children or parents. Allow us to offer add-on cards to you FREE OF COST with our compliments.


Interest free credit facility :
Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).


Lost Card Liability :
In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated us, you are fully absolved of any liability on those transactions up to Rs. 2.00 lacs.

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HDFC Value Plus Credit Card Fees & Charges

HDFC Value Plus Credit Card Fees & Charges

Interest Free Period : Upto 50 days

Minimum Repayment : Amount 5%, Minimum Rs 200

Cash Advance Limit : 30% of credit limit

Joining Fee : Rs. 300

Annual Fee : Rs. 700

Additional Card fee : Free for Life

Charges On revolving Credit : 3.25% P.M., 39.0% Annually - from Transaction date#

Cash Advance Charges : 2.5% of amount withdrawn or Rs 300 whichever is higher

Late Payment Charges : Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20000.

Charges on overlimit account : 2.5% of overlimit amount subject to a minimum of Rs 500

Payment return Charges : 2% of payment amount subject to minimum of Rs. 300

Cash processing fee : With effect from 1 May 2007, cash processing fee of Rs 50 per payment is payable on cash deposits at HDFC Bank branches/ATMs.
Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee.

Balance Transfer / Balance Transfer on EMI Processing Charges : 2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher.

Petrol Transaction Charge : 2.5% (subject to a minimum of Rs 10)

Railway Ticket Purchase Fee : Rs 30 + 2.5% of transaction amount

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Retrieval Fees ( Chargeslip) : Rs. 125 per Chargeslip

Foreign Currency Transactions : Bank Charges Cross currency mark-up of 3.5%

Service Tax Applicable on all fees, interest and other charges.

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HDFC Value Plus Credit Card Eligibility

HDFC Value Plus Credit Card Eligibility

You are eligible for a HDFC Bank International Value Plus Credit Card if you are

Eligibility Criteria :

Salaried : Minimum Age : 21 Maximum Age :60

Annual Income (Rs.) Rs. 200,000/- p.a.

Self Employed : Minimum Age : 21 Maximum Age :65

Annual Income (Rs.) : Rs. 150,000/- p.a.

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HDFC Value Plus Credit Card Features & Benefits

HDFC Value Plus Credit Card Features & Benefits

Apply HDFC Value plus Credit Card Online

It's power packed with a host of unmatched features that provides your family with true Value and savings.
No wonder we call it the Value Plus Credit Card. Like the name suggests, the Value Plus Credit Card brings you added value unlike any other card. It is a Guaranteed Cash Back card which enables you to earn up to 5% Cash Back on your spends.

Value Plus Cashback- Anytime Anywhere
Use your Value Plus Credit Card anywhere anytime during the year and avail up to 5% cashback on all retail spends.

Railway, Hospitals, Medical stores : Cash back 5%
Grocery, Dept Stores, Supermarket, Restaurants : Cash back 1.50%
All other retail spends : Cash back 0.50%

The cashback will be credited to your card account in subsequent statement subject to the condition that the total amount due in the current statement is Rs 7500 or above. The change is effective from 1st sep 2007.

Worldwide acceptance :
The HDFC Bank International Value Plus Credit Card is accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant Establishments in India.

Cash Advance :
Just step into any one of our ATMs or VISA Member ATMs and withdraw cash up to 30% of your credit limit at a very nominal charge (Please refer to the Schedule of charges).

Revolving credit facility # :
This feature allows you to pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient for you. You can then carry forward the balance to a better financial month, for which you pay a charge of 3.25% per month.

Interest Free Credit Period :
Your Card now gets an Interest Free Credit Period of up to 50 days from the date of purchase (subject to the submission of the charge by the Merchant). Subsequently, if you carry forward your outstanding balance you just pay a nominal interest of 3.25% per month.

Balance Transfer Option:
If you have any other credit card and wish to transfer their balances to your HDFC Bank International Value Plus Card, those balances will attract a nominal charge for a period of six months from the transfer date. The outstanding amount transferred can be up to 50% of your HDFC Bank International Value Plus Card Credit Limit.

Lost Card Liability :
If you happen to lose your Card, don't panic. The first thing to do is Call us at any of our 24-Hour Customer Call Centers and report the loss. Please make sure that you file a Lost report for the Lost/Stolen Card at the nearest police station and send us the acknowledgement copy.

Note : All the complementary insurance benefits are withdrawn. You can earn Max of Rs 500/- cashback in a month. The changes are applicable wef 1st sep 2007.

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HDFC Silver Credit Card Fees & Charges

HDFC Silver Credit Card Fees & Charges

Interest Free Period : Upto 50 days

Minimum Repayment : Amount 5%, Minimum Rs 200

Cash Advance Limit : 30% of credit limit

Joining Fee : Rs. 300

Annual Fee : Rs. 700

Additional Card fee : Free for Life

Charges On revolving Credit : 3.25% P.M., 39.0% Annually - from Transaction date#

Cash Advance Charges : 2.5% of amount withdrawn or Rs 300 whichever is higher

Late Payment Charges : Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20000.

Charges on overlimit account : 2.5% of overlimit amount subject to a minimum of Rs 500

Payment return Charges : 2% of payment amount subject to minimum of Rs. 300

Cash processing fee : With effect from 1 May 2007, cash processing fee of Rs 50 per payment is payable on cash deposits at HDFC Bank branches/ATMs.
Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee.

Balance Transfer / Balance Transfer on EMI Processing Charges : 2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher.

Petrol Transaction Charge : 2.5% (subject to a minimum of Rs 10)

Railway Ticket Purchase Fee : Rs 30 + 2.5% of transaction amount

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Reissue of Lost, Stolen or Damaged Card : Rs. 100

Retrieval Fees ( Chargeslip) : Rs. 125 per Chargeslip

Foreign Currency Transactions : Bank Charges Cross currency mark-up of 3.5%

Service Tax Applicable on all fees, interest and other charges.

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HDFC Silver Credit Card Eligibility

HDFC Silver Credit Card Eligibility

Eligibility Criteria :

Salaried : Minimum Age : 21 Maximum Age :60

Annual Income (Rs.) Rs. 200,000/- p.a.

Self Employed : Minimum Age : 21 Maximum Age :65

Annual Income (Rs.) : Rs. 150,000/- p.a.

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HDFC Silver Credit Card Features & Benefits

HDFC Silver Credit Card Features & Benefits

Apply HDFC Silver Credit Card Online

The best features you could ask for in a credit card.
Combined with all the services offered by a world-class bank.
Get all with the HDFC Bank International Silver Credit Cards.
Spending money was never so rewarding!

Features & Benefits :

All-purpose credit card :

The HDFC Bank Silver Credit Card can be used for all your requirements, be it shopping, eating out, holidaying, fuelling up your vehicle, railway ticket reservations - just about any financial requirement, planned or on impulse.

Earn while you spend*:
With us, money spent is money earned. For every Rs. 200 you spend, you earn 1 reward point. You can redeem these accumulated points for exciting gifts and offers from our exclusive rewards program.

Add on cards :
Get up to 3 add-on cards for your spouse, parents, siblings (own brother/sister), son and/or daughter (over 18 years) and allow them to enjoy the many benefits of the HDFC Bank International Silver Credit Card

Zero liability on lost card :
In case your credit card gets lost, report it immediately to our 24-hour call centre. After you do this, you carry zero liability on any fraudulent transactions on your card.

Widely accepted :
Accepted at over 110,000 merchant establishments across India and Nepal and close to 18 million merchant establishments around the world.

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Information about HDFC Credit Cards in India

This blog will be used to post information about credit cards being offered by HDFC bank in India. We will be finding out all the relevant information about hdfc credit cards, their plusses and minuses , how you can apply for one and what is the minimum requirements for them. And most of the traffic on this blog is supposed to come from search engines and will consist of peoples who are searching for "Credit Cards" or "HDFC Credit Cards" in general and we want to make sure that we are listed on first page. Most probably it will be a tough task but hopefully we will be able to do it.
We will also post some tips and tricks to better utilize your credit card and to avoid the common pitfalls associated with credit cards in general. Credit Cards are really usefull if they are utilized properly but they can also become a point of worry if they are misused. And it is very easy to get misled with them as more and more companies are offering credit cards to every person with little or no credit history and you have to be carefull not to gobble up each and every card offered to you. And you should be aware of the hidden terms and conditions as it is very easy to fall prey to the "free for life" offers.
So this is the first post and you can expect more such posts in near term.

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