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Note: Worldwide Concierge Services feature will be withdrawn wef 27th June,2008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

---

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a networking website.

---

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.

---

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a website maintenance.

---

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.

---

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a dynamic website.

---

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.

---

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a finance website.

---