MOST IMPORTANT

TERMS & CONDITIONS

1. Fees and Charges spend on his Card from 5th April to 4th May, his bill
will be generated on 4th May and his Payment Due
A. Fees payable on the Credit Card by the Date will be 24th May. Hence a purchase made
Cardmember on 14th April will have a credit period of 41 days,
• Annual Fees • Renewal Fees while a purchase made on 2nd May will have a
The fees may vary for each Cardmember, and credit period of 23 days. This period will be free
from offer to offer. The same is communicated to of interest only if all previous dues are paid in full
the Cardmember at the time of applying for the and there is no unpaid balance carried over from
Credit Card. The above fees as applicable are previous months
billed to the card account and are stated in the 2. Limits
card statement of the month in which it is charged. HDFC Bank at its sole discretion will determine
the Cardmember’s credit limit and cash withdrawal
B. Cash Advance Fees
limit. (Add-on Cardmembers share the same
The Cardmember can use the Card to access cash limit). These limits are communicated to the
in an emergency from ATMs in India or abroad. A Cardmember at the time of card delivery and in the
transaction fee of 2.5% (Minimum `500) (excluding monthly statements. The available credit limit at
Infinia) would be levied on the amount withdrawn the time of the statement generation is provided as
and would be billed to the Cardmember in the next a part of the monthly statement. HDFC Bank will
statement. The transaction fee is subject to change review the Cardmember account periodically, may
at the discretion of HDFC Bank. All cash advances decrease the Cardmember credit limit based on
also carry a finance charge equal to charges on internal criteria. In such an instance the Bank will
revolving credit (please refer schedule of charges) inform immediately including the reason thereof,
from the date of withdrawal until the date of full by SMS or e-mail followed by confirmation in
payment. The finance charge is subject to change writing. Cardmembers seeking to have their credit
at the discretion of HDFC Bank. limit increased can do so by writing to the Bank
and providing financial documents declaring their
C. Charges
income. The Bank, at its sole discretion and based
i) Charges and fees, as may be applicable from on such new documents provided, may increase
time to time, are payable by Cardmembers for the credit limit of the Cardmember.
specific services provided by HDFC Bank to the
3. Finance Charges
Cardmember or for defaults committed by the
Cardmember with reference to his card account. • Finance charges are payable at the monthly
percentage rate on all transactions from the date
ii) HDFC Bank retains the right to alter any charges
of transaction in the event of the Cardmember
or fees from time to time or to introduce any new
choosing not to pay his balance in full, and on
charges or fees, as it may deem appropriate, with
all cash advances taken by the Cardmember, till
due intimation to customer.
they are paid back. Finance charges, if payable,
For interest rates, pre-closure and cancellation are debited to the Cardmember’s account till the
charges on Loan on Credit Cards, Please outstanding on the card is paid in full.
Visit : https://www.hdfcbank.com/personal/
• Finance charges on cash advances are applicable
products/ loans/loan-on-credit-card
from the date of transaction until the payment is
iii) All transactions equal to and above the value made in full.
of Rs 10,000 on the Easy EMI Credit Card will
• When the customer carries forward any outstanding
be automatically converted to Easy EMI with 9
amount or avails of Cash Advance, a finance
months tenure by default at 20% Rate of Interest,
charge calculated by average Daily Balance
without any further consent from the customer.
Method, will apply to balances carried forward and
Processing Fee of Rs 99/- (Exclusive of GST for all
to fresh billings.
loan amounts) is applicable for all Easy EMI loan
conversion. • If a Cardholder avails of the revolving credit facility
of the HDFC Bank Credit Card and hence chooses
D. Interest Free Period to pay an amount less than the total amount due
The interest free credit period could range from 20 reflected in the monthly billing statement, the entire
to 50 days subject to the scheme applicable on the outstanding amount would attract finance charges
specific Credit Card (please refer to the Schedule and all new transactions will also attract finance
of Charges) and the submission of claims by the charges till such time as the previous outstanding
merchant. However, this is not applicable if the amounts are repaid in full.
Previous month’s balance has not been cleared in • Late Payment Charges excluding Infinia will be
full or if the Cardmember has availed of cash from applicable if Minimum Amount Due is not paid by
ATM. For instance, the HDFC Bank International the payment due date, Clear funds need to be
Platinum Plus Card has an interest-free credit credited to HDFC Bank Card account on or before
period of up to 50 days. This means that a customer the payment due date, to avoid Late Payment
who has a billing date of 4th of the month can
 charges. Late payment charges are applicable as: b) Late Payment Charges = `800 (excluding Infinia)
Statement Balance Late Payment Charges c) GST@ 18% of interest and late payment charges
= `253.6
(W.e.f. 1st April’19)
d) Total principal outstanding amount = `4,000
Less than `100 - Nil
(`1,000 fresh spends + balance `3,000 outstanding
`100 to `500. - `100/- from last month’s billing period)
`501 to `5000 - `500/- Hence Total Amount Due = (a) + (b) +(c) + (d) =
`5662.87
`5001 to `10000 - `600/-
Please note that the Finance Charges and other charges
`10001 and 25000 - `800/- are subject to change at the discretion of HDFC Bank.
More Then `25000 - `950/- Also please note that if the Cardmember exceeds
the credit limit of the accounts, Over Limit Charges
• Over limit charges excluding Infinia are applicable
excluding Infinia will be levied on the account. For a
on total outstanding exceeding the Credit Limit at
list of charges that may be levied at specific instances,
the rate of 2.5% of the over limit amount subject to
please refer to the Schedule of Charges available at the
minimum of `500.
end of this document.
The following illustration will indicate the method of
Minimum Amount Due (MAD) -- 5% of the Total Amount
calculating various charges
Due and rounded to the next higher 10th digit. (OR)
Assume that you have paid all previous dues in full Minimum Rs. 200.
and do not have any amount outstanding in your Card
MAD amount computed will be rounded-Off to the next
Account. Your statement date is 18th of every month.
multiple of 10th digit for wherever there are no 100%
The following is the list of transactions you have done
MAD computation happens. Example: If the MAD
on your card account.
amount is Rs. 1503.50 , post computation it will be
rounded-Off to next multiple of 10th digit i,e Rs. 1510
Date Transaction Amount
Purchase of 4. Billing and Statement
10-Apr
household goods `15,000 a) HDFC Bank will send the Cardmember a monthly
statement showing the payments credited and
Purchase of the transactions debited to the Cardmember’s
15-Apr ` 5,000
garments account since the last statement. The Bank
Total Amount due will mail a statement of transactions in the card
= `20,000 account every month on a pre-determined date, to
18-Apr Statement Date the mailing address on record with the bank. If the
Minimum Amount balance outstanding is less than `200/- and there
Due = `1,000 is no further transaction pending billing since the
last statement, no statement will be issued.
Payment into
card account b) HDFC Bank Credit Cards offer the Cardmember
12- the facility of revolving credit. The Cardmember
(Late payment `2,000 (Credit)
May may choose to pay only the Minimum Amount Due
charges will be
applicable here) printed on the statement. The balance outstanding
can be carried forward to subsequent statements.
14- Purchase of The Cardmember can also choose to pay the
May Groceries `1,000 Total Amount Due or any part of the amount
above the Minimum Amount Due. Such payment
15- Payment into should be made before the Payment Due Date.
May card account `15,000
Clear funds need to be credited to HDFC Bank
Thus, on the statement dated 18th May, the following Card account on or before payment due date to
will reflect as the component of the total amount payable avoid Late Payment Charges. Cardmembers are
by you advised to drop local cheques well in advance of
Interest calculated = (outstanding amount* the Payment due date to ensure payment reflects
on the card account within the Payment due date.
3.49%Pm*12 months*no of days)/365. Therefore, Any unpaid Minimum Amount Due of the previous
a. Interest on `15,000 @ 3.49%pm from 19 April to statements will be added to the Cardmember’s
11 May (i.e for 23 days) = `395.85 current Minimum Amount Due in addition to the
Interest on `13,000 @ 3.49%pm from 12 May to outstanding exceeding the Cardmember’s Credit
14 May (i.e for 3 days) = `44.75 Limit.
Interest on `5,000 @ 3.49%pm from 19 April to 14 c) Payments made towards the card outstanding are
May (i.e for 26 days) = `149.16 acknowledged in subsequent statements.
Interest on `3,000 @ 3.49%pm from 15 May to 18 d) Payments received against the Cardmember’s
May (i.e for 4 days) = `13.77 card outstanding will be adjusted against all taxes,
Interest on `1,000 (fresh spends) @ 3.49%pm fees and other charges, interest charges, cash
from 15 May to 18 May (i.e for 5 days) = `5.74 advances and purchases in that order.
e) Payments towards the card account may be made
Total interest = `609.27
in any of the following ways:
 I) In case the Cardmember has an HDFC Bank In the event of default, the Cardmember will be
account, he can make the Payment through sent reminders from time to time for settlement
NetBanking, ATMs, or PhoneBanking. of any outstanding on the card account, by post,
II) In case the Cardmember has an HDFC Bank fax, telephone, e-mail, SMS messaging and/
account, he can opt for a Standing Instruction or engaging third parties to remind, follow up
facility, where funds can be automatically and collect dues. Any third party so appointed,
transferred from the Cardmember’s HDFC shall adhere fully to the code of conduct on debt
Bank account to the Cardmember’s card collection.
account on due date.
6. Right of Lien
III) Customer can also make payment through
NEFT fund transfer mode from other bank A) The bank, at any time and without notice, will have
account (use IFSC code HDFC0000128) or lien and right to set-off on all monies belonging
use the VISA Money transfer facility. to the Cardmember and/or add on Cardmember
standing to their credit in any account/custody of
IV) In case the Cardmember does not have the bank, if upon demand by the bank, the balance
an HDFC Bank account, he can make the amount on the card account is not repaid within the
Payment through Bill Desk facility using prescribed time.
other banks NetBanking account.
B) During settlement of redemption in case available
V) By dropping the payment instrument
Reward Points balance is lesser than Points
(Cheque or draft) into any of the HDFC Bank
required for the transaction, the bank reserves
Credit Card drop boxes placed in the HDFC
rights to debit the differential amount on the
Bank branches and ATMs.. The Cheque
Customers Card/Account.
Draft should be made payable to HDFC Bank
Card Number xxxx xxxx xxxx xxxx. Kindly 7. Termination/Revocation of the Card
ensure that the cheque/draft is deposited Membership
at least 3 working days before due date in
I/ We understand that the usage of the HDFC
case of HDFC Bank cheque and 5 working
Bank International Credit Card(s) shall be strictly
days before due date for Non-HDFC Bank
in accordance with exchange control regulations,
cheque.
law of the land or of the Regulatory authorities
iv) Through Cash Payments at the bank as applicable from time to time, the card will not
branches. be used for transactions involving Forex trading,
f) Billing Disputes: All the Contents of the statement lottery, betting, gambling, dating which I/We
will be deemed to be correct and accepted if the undertake as my/our responsibilities to keep
Cardmember does not inform HDFC Bank of the myself/ourself updated of and in the event of any
discrepancies within 30 days of the Statement failure to do so , I/We will be liable for action under
Date in writing. On receipt of such information, the Foreign exchange management act 1999 or
HDFC Bank may reverse the charge on temporary its statutory modifications or re-enhancement
basis pending investigation. If on completion of thereof.
subsequent investigations, the liability of such A) The Cardmember may terminate the card membership
charges is to the Cardmembers account, the at any time by writing to HDFC Bank at the following
charge will be reinstated in a subsequent statement address: Manager HDFC Bank Credit Cards, P.O.
along with the associated retrieval requests Box 8654, Thirvanmiyur HO, Chennai- 600 041.
charges. Upon receipt of dispute from customers, Along with the cards cut diagonally to pieces,
within a maximum period of Thirty days, Bank all the cards including the add-on cards will be
would provide necessary documents, wherever terminated basis the written request. Termination
applicable and received from the Member Bank, will be effective only after receipt of the cut cards
subject to operating guidelines laid down by the and payment of all amounts outstanding to the
respective franchisee like Visa/Master Card/Diners card account. No annual, joining or renewal fees
Club etc. GST levied will not be reversed on any shall be refunded on a pro-rata basis.
dispute on Fee & Charges / interest.
B) In case the Bank notices unusual and abnormal
Kindly refer our Customer Protection Policy for transaction patterns in the use of the Card, the
electronic banking transactions at:www.hdfcbank. Bank will try to establish contact with the customer
com/assets/pdf/Customer-Protection-Policy.pdf on the registered phone number of the customer
g) Contact Particulars: The Cardmember can contact available on its records to verify the bonafideness
HDFC Bank Credit Cards for making any enquiries of the card transaction. Failure on the part of the
or for any grievance redressal through: Bank to establish contact with the customer, the
• Please visit www.hdfcbank.com to know our 24 Bank may restrict/terminate the use of the Card
hours call center number without any further notice, if the Bank reasonably
• For Infinia / Diners Black customers pls visit https:// believes it necessary in the interest of the
www.hdfcbank.com/Infinia for 24 hours dedicated Cardholder and for security reasons.
customer care number HDFC Bank can suspend the facility on the Credit
• Through mail - Manager, HDFC Bank Cards P.O. Card, if the Cardmember defaults on payment due
Box 8654, Thirvanmiyur, Chennai - 600 041 or exceeds the credit limit extended. The Credit
• By Email: customerservices.cards@hdfcbank.com Card must not be used after the Agreement has
ended or if the card account is suspended.
5. Default With a view to ensure that the Credit Card is being
 used as per the regulatory guidelines, Terms and transaction incurred on the card account prior to
Conditions and applicable policies of the Bank, time of reporting of the loss of the card, and the
Bank shall have a right to run periodic checks on Cardmember will be wholly liable for the same.
the Credit Card usage to identify whether there Card swipe transactions may get processed by
is excessive utilization of credit limit beyond merchants without PIN / additional authentication,
the sanctioned limit in one statement cycle, when it is initiated on merchants located outside
unusual or excessive utilization at few select India as it may not be a mandate in those
merchants, possible collusion with merchant and/ countries. Cardmember is wholly liable for all
or usage towards non-personal/ business related transactions prior to reporting of loss of the card.
requirements, over-use/ misuse of features/ offers/ After the receipt of proper notification of the loss by
programs towards accumulation of undue reward the bank, the Cardmember’s subsequent liability is
points/ cash back / other benefits amongst others. zero. In addition to notifying HDFC Bank about the
Based on the usage patterns, if any of these is loss or theft of the Card, the Cardmember must
suspected by the Bank, Bank may take restrictive report any loss or theft of the card to the police,
action on the Credit Card. Such action can be lodge an FIR and provide acknowledged copy of
with immediate effect and may include but not be the police complaint.
limited to withdrawal of features/ benefits as well C) The Cardmember will be liable for all losses in
as complete termination of the Credit Card. If any case of misuse of the card by someone who
such action is taken by the Bank onus will be on obtained the PIN or the card with the consent of
customer to provide satisfactory proof of bona fide Cardmember or an Additional Cardmember.
usage to reinstate the Credit Card and attached
D) If the Cardmember has acted fraudulently the
features/ benefits as may be deemed fit by the
Cardmember will be liable for all losses. If the
Bank. Bank’s decision in this regard shall be final
Cardmember acts without reasonable care, the
and binding on the customers
Cardmember may be liable for all losses incurred.
C) In such a situation, the Cardmember must (subject
E) HDFC Bank may, without referring to the
to any default or other notice required by law)
Cardmember or any additional Cardmember,
immediately pay HDFC Bank the total outstanding
give the police or other relevant authorities any
balance on the Account. This includes all amounts
information that HDFC Bank consider relevant
due to HDFC Bank under the Agreement, including
about the loss, theft, misuse of a Card or PIN.
all transactions and other amounts not yet charged
to the Account. The card will not be considered as F) An optional insurance product may be availed of
closed until the Cardmember has paid all such due by the card members, at his/her own discretion,
amounts. to cover the liability arising in the event of any
fraudulent transactions on the Credit Card. For
D) The death or in capacitance of a Cardmember
further details and terms and conditions of such
insolvency / dissolution / bankruptcy or winding
Insurance cover, kindly contact our representative
up of a corporate body of a Cardmember
of the Bank.
shall automatically cancel the card issued
to the Cardmember as well as any Add-on 9. Reward Points
Cardmembers. The Card Account would also
Reward Points will be earned for transaction
be liable to be suspended on instructions from
amounts in multiples of `150, residual amounts
any government regulatory body. All amounts
or transactions below `150 will not earn Reward
outstanding on the Card Account shall be deemed
Points. For Jet Privilege Credit Card variants,
to have immediately become due on death or
JetPrivilege miles will be earned for transaction
incapacitance, insolvency, bankruptcy, winding up
amounts in multiples of `150, residual amounts or
or instruction from government/regulatory bodies,
transactions below `150 will not earn JetPrivilege
as the case may be, and Bank shall be entitled to
miles. For Silver cards and Freedom Plus Cards,
recover the same in accordance with the relevant
Reward Points are earned on transactions
laws in force without prejudice to the obligation of
amounts in multiple of `200, residual amounts
the Cardmember to forth with pay all outstanding
or transactions below `200 will not earn Reward
amounts.
Points.
8. Loss / theft / misuse of Card Reward Points are valid only for 2 years from the
A) The Cardmember must notify the 24 Hour Call date of accumulation. e.g.:- if you have received
Center immediately if the Primary or any Additional Reward Points in the month of May 2015, then the
credit card is misplaced, lost, stolen, mutilated, not same will expire in May 2017, except for Infinia/
received when due or if he/she suspects that the Diners Black for which reward points are valid for 3
Credit Card is being used without Cardmember’s years, and Millennia and Easy EMI cards on which
permission. Once a card is reported lost, it should cash points are valid for 1 year.
not, under any circumstance be used if found by a. EasyEMI and e-wallet loading transactions will not
the Cardmember subsequently. As the Add-On accrue Reward Points/JP Miles.
card is an extended facility given on the Primary b. Reward Points/JP Miles accrued will be reversed if
Card Account, the Add-on card is rendered invalid a retail transaction is converted into SmartEMI.
when the primary card is reported lost. Similarly, if
c. Reward Points/JP Miles accrued for insurance
the Add-on card is reported lost, the primary Card
transactions will have a maximum cap of 5000
Account and other Add-on cards are invalidated.
per day for Infinia & Diners Black credit cards and
B) The Bank is not liable or responsible for any 2000 per day for all other credit cards.
d. If the Credit Card is not used for more than 365 Bank of India to improve the functionality and
days, Reward Points accrued will be nullified. stability of the financial system. All banks and
e. The Bank reserves the right to cancel or suspend financial institutions participating in this initiative are
Reward Points accrued on the Credit Card if required to share customer data with CIBIL / credit
it is in arrears, suspension or default or if the bureaus and this information is being provided in
Card Account is or is reasonably suspected to the terms of the Credit Information Companies
be operated fraudulently. Reward Points earned Regulation Act, 2005. In view of this we wish to
but not redeemed at the time of death of the inform the Cardmember that the bank can disclose
Cardmember shall be forfeited. any information relating to credit card(s) default
by the customer to CIBIL and to any other credit
f. When the Cardmember obtains a refund or
bureau (Existing and Future) in case the card is
reimbursement for transactions previously
overdue, with due notice. Any refresh / updation of
incurred (for example, for returned merchandise
data on receipt of payment towards overdue card
or a cancelled transaction) a credit will be
accounts will reflect in CIBIL / other credit bureaus
issued to the Card Account in the amount of
within a period of 60 days from the date of receipt
reimbursement granted. Such credits posted
of payment by the bank. We also wish to inform
to the Card Account including but not limited to
the Cardmember that the bank will, at its own
those arising from returned goods or services or
discretion, record specific conversations between
cancelled transactions, will reduce the Reward
the Cardmember and the representative of the
Points accrued to the Card Account as per the
Bank, in cases of grievance-related conversation
adjustments. Incase of cancellation of Evouchers
or payments-recovery-related conversations or any
that were availed by redeeming reward points,
other conversations, that the Bank may deem fit.
the restoration of reward points, if allowed at the
Select Credit Card variants have a complimentary
discretion of the Bank, would be allowed at same
insurance cover on the Card. The policy coverage
rate at which the Evouchers redeemed at.
starts from the date of the Credit Card set up. For
g. W.e.f. 25th Nov 2019, for flight and hotel bookings, more information and terms & conditions, please
Credit Card members can redeem up to a maximum refer to the usage guide.
of 70% of the booking value through Reward
Points. Rest of the transaction amount will have 12. Lounge Access
to be paid via the Credit Card limit. This applies Priority Pass - Charge of $27 + taxes, will be
to Super premium cards except Infinia and Diners applicable on all the lounge visits exceeding the
Black variants. Super premium cards are Regalia complimentary cap.
Card variants, Diners Card variants as grouped
Infinia: Complimentary priority pass membership
on the bank’s website. This condition applies for
for Primary and add-on card holders with unlimited
transactions done on HDFC Bank Smartbuy or
lounge access for priority pass card holder.
the dedicated website portals of the bank for the
respective card variants. Diners Club Credit Card – All visits exceeding the
complimentary limit will be charged at the prevailing
h. For flight and hotel bookings, Credit Card
lounge rate inclusive of taxes. Card validation
members can redeem up to a maximum of 50%
charges for the lounge will be levied which will not
of booking value through Reward Points. Rest of
be reversed.
the transaction amount will have to be paid via
the Credit Card limit. This condition applies to all Please ensure the safety of your Priority Pass to
cards other than super premium cards. The cards avoid misuse. The priority pass is not transferable.
are grouped as Regular, Cashback, Premium, Bank has the right to withdraw the Priority Pass
Premium Travel, Professional, Co-branded and membership or any other benefit associated with
Business cards on the bank’s website. This your credit card if your card is closed or remains
condition applies for transactions done on HDFC inactive for more than 90 days.
Bank Smartbuy. This is in effect from 10th June These charges will be billed on your subsequent
2019. statement within 90 days of date of visit and
this transaction will not accrue Reward Points.
10. Grievance Cell Currency conversion rate is applicable as on the
In the rare event of not being satisfied with the date of settlement.
response from any of the recent contacts with the
Bank, you can write to - The Manager, Grievance 13. Most Important Terms and Conditions in
Cell, HDFC Bank Credit Cards Division. 8, Lattice Regional Languages
Bridge Road. Thiruvanrniyur, Chennai - 600 041, Please Visit www.hdfcbank.com for information on
or reach us on phone 04423625600 between MITC in regional languages, Options available
09.30am to 05.30pm Monday to Friday. 1) Hindi 2) Kannada 3) Malayalam 4) Telugu
11. Disclosure 5) Tamil 6) Bengali 7) Marathi 8) Gujarati
The Cardmember acknowledges that as per 9) Punjabi 10) Oriya 11) Assamese 12) Urdu
existing business practices, the Bank can disclose 13) Sindhi.
from time to time any information relating to the
Credit Card(s), to any credit bureau (Existing or
Future) without any notice to the customer. The
Credit Information Bureau India Ltd. (CIBIL) is an
initiative of the Government of India and Reserve