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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