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Cash Advance Charges :2.5% on amount withdrawn or Rs. 300/-, whichever is higher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