As on 06th Jan 2025

IMPORTANT
Before you use the enclosed HDFC Bank International Credit Card, please read these Terms and Conditions thoroughly. If
you keep or use the HDFC Bank International Credit Card, you will be deemed to have unconditionally agreed to these
Terms and Conditions and they will govern your use of the Credit Card. If you do not wish to accept these Terms and
Conditions, please cut the Credit Card in half and return the pieces to us along with a letter for closure immediately. In the
event of the card being dispatched to you on the basis of your application on any electronic media (internet/email), or
through telephone, it is expressly understood that the moment you sign on the reverse of your card or start using it, you
will be deemed to have accepted the Terms and Conditions set out in this Agreement.
CARDMEMBER AGREEMENT
'Applicant' means: (1) any person who has signed the Credit Card application form which is acceptable by HDFC Bank Limited;
and (2) any individual who has signed or used the card.
'Cardmember' shall mean either/or/both Primary and Add-on Cardmember as applicable.
'Primary Member' or 'Primary Cardmember' or 'Member' shall mean and include applicant and/or authorised Cardmember.
'Additional Member' or 'Additional Cardmember' or 'Add-on Cardmember' shall mean an applicant who is an individual to
whom a card bearing the individual name is issued by the Bank although the liability is shared with the Primary
Cardmember.
'Card Account' shall, depending on the context used, mean any account of a Cardmember with HDFC Bank, including a
Credit Card Account, Jumbo Cash/Personal Loan Account for the purpose of use as per the Terms and Conditions contained
herein.
“Business Credit Card(s)” shall mean the Credit Card(s) that is issued to business entities/individuals for the purpose of
business expenses with specified terms and conditions and not for personal use.
'Corporate Card' means all cards issued to eligible corporate bodies or at their directions, pursuant to appropriate
authorisation and documentation, in respect of any of its staff, executives, directors or any other person authorised by
the Corporate Body that will operate under joint and several or limited liability of the Corporate Body as well as the
Cardmember.
'Person' means any individual, corporation, firm, company, institution or other natural or legal person whatsoever.
'Merchant Partner' or 'Merchant Establishment' shall mean any establishment, company, firm or person, wherever
located, which is designated as a MASTER /Other Franchise merchant and/or with whom there is an arrangement for a
Cardmember to obtain goods and services or cash advance by use of the card and shall include among others, stores,
shops, restaurants, hotels, airline organisations and mail order advertisers (whether retailers, distributors or
manufacturers), including mail order outlets (whether wholesalers, retailers, distributors or manufacturers), advertised as
honouring the HDFC Bank International Credit Card.
'HDFC Bank' or 'Bank' shall mean HDFC Bank Limited, the proprietors of the Credit Card, specifically, the Cards Division located
at Chennai and its Regional Offices all over India.
Use of the terms 'you', 'your', 'him', 'he', 'his', 'she', 'her' or similar pronouns shall, where the context so admits mean the
'Member/Cardmember'.
Use of the terms 'we', 'our', 'us' or similar pronouns shall, where the context so admit, mean 'HDFC Bank'.
'Statement' means a monthly Statement of Account sent by the Bank to a Cardmember setting out the financial liabilities
on the date, of the Primary Cardmember and any additional Cardmember to the Bank in respect to the Card Account.
'Transaction' means any instruction given by the individual using a card directly or indirectly to the Bank to effect action
on the card (examples of 'transaction' instructions could be a sales slip/chargeslip or cash advance slip or mail order
coupon).
'International Transactions' mean the transactions entered into by the Cardmember on his internationally valid Credit Card
outside of India, Nepal and Bhutan.
'Authorised Dealer' (AD) of Foreign Exchange shall be as defined by Section 2(b) of the Foreign Exchange Management Act,
1999 and includes the Authorised Dealers recommended by the Bank.
'Overdue Amount' is the amount outstanding (if any) from the Cardmember's previous Statement. Overdue amount is
included in the Opening Balance of the Statement of Account and the overdue section in the Statement.
Overdue Amount shown on the Statement is also included in the Minimum Amount Due and is payable immediately.
'PIN' means Personal Identification Number used for accessing the nominated account through an Automated Teller
Machine (ATM) or Cash dispenser or Electronic Terminal or any other Banking Channel as determined by the Bank from
time to time.
'International Card' means a card that is valid for use in India as well as anywhere in the world. Foreign Exchange transactions
are not permitted by Reserve Bank of India in Nepal and Bhutan.
'Nominated Accounts' includes the Credit Card Account or any other HDFC Bank Account nominated in writing by the
Cardmember and approved by the Bank to be accessed by the Cardmember's Credit Card and PIN, through an Electronic
Banking Terminal.
'Electronic Terminal' or 'Electronic Data Capture Terminal' means any terminal or device in which a 'Credit Card' or Credit
Card and PIN can be used, which is authorised by HDFC Bank for such use, as described in these Terms and Conditions.

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'Credit Card' or 'HDFC Bank Card' or 'HDFC Bank International Credit Card' shall mean a Credit Card issued to its members
by HDFC Bank with its Registered Office at HDFC Bank House, Senapati Bapat Marg, Lower Pare!, Mumbai - 400 013, India
('the Bank') on the following Terms and Conditions.
DISCLOSURE OF INFORMATION
1. When requested by the Bank, the Cardmember shall provide any information, records or certificates relating to any
matters that the Bank deems necessary. The Cardmember will also authorise the Bank, to verify the information
furnished by whatever means or from whichever source the Bank deems necessary. If the data is not provided or
incorrect data is provided, the Bank, at its discretion, may refuse renewal of the card or cancel the card forthwith
and demand payment of all outstanding on the Card Account immediately.
2. The Cardmember expressly recognises and accepts that the Bank shall be absolutely entitled and have full power
and authority to sell, transfer or assign any or all outstanding dues on his/her Card Account to any Third Party of the
Bank's choice and written intimation by the Bank to the Cardmember of any such action shall bind the Cardmember
to accept any such Third Party as the creditor and to pay over such outstanding and dues to the Third Party relieving
the Cardmember of any such obligation to the Bank. Any costs in this regard shall be debited to the Cardmember's
Card Account.
3. If the Minimum Amount Due payable by the Cardmember does not get paid, his/her name may be liable for inclusion
in the defaulter’s database to be shared with other lenders and Credit Information Bureau (India) Limited (CIBIL) or
any other agency. The right to do so lies with the Bank.
4. The Bank reserves the right to disclose Cardmember information to any court of competent jurisdiction, quasi-judicial
authorities, law enforcement agencies and any other wing of Central Government or State Government or Reserve
Bank of India.
5. The existence of this account and details of any default that may occur may be recorded with a credit reference
agency and may be shared with other lenders and/or Credit Card issuing entities for the purposes of assessing further
applications for credit by the Cardmember or other members of his/her household and for occasional debt tracing
and fraud prevention.
6. Any changes in schedule of fees and charges and terms and conditions. Normally, changes(other than those which
are a result of regulatory requirements) will be made with prospective effect giving 30 days’ notice
7. The Cardmember also agrees that the Bank may also disclose, in strict confidence, to other institutions such personal
information of the Cardmember that may be reasonably necessary for reasons inclusive of but not limited to the
following:
* Participating in any telecommunication or electronic clearing network: * In
compliance with a legal directive
CREDIT LIMIT
The Card Carrier (known as welcome letter) enclosing the Credit Card will show the initial Credit Limit applicable to the
Cardmember's account and available for usage by the Cardmember. The Credit Limit will also be shown in the monthly
statement together with the amount of available credit as on the closing date mentioned in the Card statement.
The Credit Limit will be the maximum amount that would be outstanding and owing to the Bank on the Card Account at
any point of time, exclusive of any applicable interest and charges. The Bank reserves the right to increase or decrease the
Credit Limit from time to time, upon giving due notice to the customer. Bank will inform the Cardmember about the
balance Credit Limit available as the Cardmember reach closer to exhaustion of the sanctioned Credit Limit. The Bank may
also establish separate limits for Cash and Non-Cash Transactions (within the overall Credit Limit of the Card Account). The
total principal outstanding amount due shall not exceed the sanctioned Credit Limit. The Cardmember agrees and
acknowledge that, unless the Bank approves any increase in the sanctioned Credit Limit post seeking consent from the
Cardmember for such increase, any amount utilised in excess of the Credit Limit shall be repaid immediately as any such
utilisation in excess of the Credit Limit shall be subject to applicable fees and service charges as may be applicable from
time to time.
The Cardmember will not be entitled to interest on credit balances on the Card Account and the same will also not be
included in the available Credit Limit on the Card Account.
With a view to ensure that the Credit Card is being used as per the regulatory guidelines, Terms and Conditions and
applicable policies of the Bank, Bank shall have a right to run periodic checks on the Credit Card usage to identify whether
there is excessive utilization of credit limit beyond the sanctioned limit in one statement cycle, unusual or excessive
utilization at few select merchants, possible collusion with merchant and/or usage towards non-personal/ business related
requirements, and usage of business credit cards towards non-business requirements over-use/ misuse of features/ offers/
programs towards accumulation of undue reward points/ cash back / other benefits amongst others. Based on the usage
patterns, if any of these is suspected by the Bank, Bank may take restrictive action on the Credit Card. Such action can be
with immediate effect and may include but not be limited to withdrawal of features/ benefits as well as complete
termination of the Credit Card. If any such action is taken by the Bank onus will be on customer to provide satisfactory
proof of bona fide usage to reinstate the Credit Card and attached features/ benefits as may be deemed fit by the Bank.
Bank's decision in this regard shall be final and binding on the customers.

CREDIT LIMIT ENHANCEMENT

Credit Limit on any Card Account may be reviewed as per Bank Policies specified from time to time and the Bank reserves
the right to revise (increase or decrease) and/or unconditionally cancel the limit assigned on a card without any prior
notice to the Cardmember.

AVAILABLE CREDIT
The available Credit Limit on the Cardmember's Card Account will be equivalent to the unutilized value of the Credit Limit
at any point of time, after taking into account the balance outstanding and any transactions already implemented by
Cardmember with any Merchant but not received by the Bank for processing as on that date. Where separate Cash and
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Non-Cash Transaction Limits have been established, the available credit will be split accordingly. The Cardmember
undertakes to ensure that transactions will be incurred on the Card Account in such a manner that the Cardmember is
always within the Available Credit Limit (Cash and Non-Cash where applicable) on the Card Account.
In case the Cardholder proposes to avail any limit over and above the sanctioned Credit Limit, the Cardholder shall, in the
form and manner as may be stipulated by the Bank, consent for such additional limit (Over Limit) as may be approved by
the Bank in its sole discretion. Upon grant of such consent by the Cardholder, the sanctioned Credit Limit of the Cardholder
shall stand increased by the amount equivalent to the Over Limit. The Bank reserves the right to exercise its sole discretion
to make such additional limit (Over Limit) available to the Cardmember over and above the assigned Credit Limit (Credit
Limit up to which customer can revolve) on a case-to-case basis taking into consideration Cardmember's spend and
payment pattern(s). The Cardmember agrees and acknowledges that the Cardmember shall be liable to pay overlimit
charges of 2.5% of overlimit amount, subject to a minimum of Rs. 550/- (Rupees Five Hundred only). The Cardmember
further agrees and acknowledges that the Over Limit charges are subject to change from time to time. In order to check
the latest charges in reference to Credit Card issued to the Cardmember, please refer to the Credit Card section under the
Most Important Terms & Conditions document hosted on HDFC Bank website at www.hdfcbank.com)
The overlimit charges shall be applicable when Cardmember exhausts the sanctioned Credit Limit by way of principal
outstanding and/or due to any other fees and charges or both.
BALANCE TRANSFER
Cardmember may be allowed to transfer outstanding balances on Credit Cards other than cards issued by us or
loans/financial accounts held with other banks or financial institutions solely at our discretion and we reserve the absolute
right to decline any such request(s) for Balance Transfer from all or any other Credit Card or financial accounts held by the
Cardmember.
The offer will be valid for a specific period and will be subject to the approval of the Bank. The Bank reserves the absolute
right to decline the Balance Transfer requests without assigning any reason whatsoever. The Balance Transfer draft will be
drawn favouring the other Issuer, other bank Credit Card number and/or the Name of the Cardmember. The draft will be
made payable at cities where HDFC Bank branches are located. The draft will be mailed to the Cardmember's mailing
address as per the Bank's records. The differential interest on Balance Transfer (as may be specified by the Bank from time
to time) will become applicable only for a period of three months or such period as may be decided by the Bank, from time
to time, from the date the Balance Transfer has been effected. The Cardmembers requested to continue to make payments
to the other bank Credit Card Account until a confirmatory letter on approval of Balance Transfer is received from HDFC
Bank. At the end of three months from the date of Balance Transfer draft, the Balance Transfer outstanding will attract
normal rate of interest as specified by the Bank from time to time. In the event of any breach of the Terms and Conditions
of use of HDFC Bank International Credit Card without prejudice to any of its other rights, HDFC Bank has the absolute
rights and discretion to transfer the Balance Transfer amount at normal rate of interest prior to completion of three
months.
HDFC Bank will not be held liable for any overdue payment or interest incurred on the other bank credit card. The payments
to the Card Account will be applied towards payment of the relevant service charges and interest, and thereafter towards
liquidation of the Balance Transfer amount and then towards the Cash and Retail Transactions in that order.
BALANCE TRANSFER TERMS AND CONDITIONS
The Cardmember may make a single request for a Balance Transfer within 6 months of account opening, subject to the
offer being valid at that time.
Only one Balance Transfer request will be permitted per Cardmember. However, the transferred amount may be from
multiple cards of other issuers, provided the total amount of Balance Transfer requested does not exceed 75% (or such
other amount/percentage as may be decided by the Bank) of the available Credit Limit on the card. Balance Transfer
requests will not be processed for amounts less than Rs. 2,500 (or such other amounts as may be prescribed by the Bank
from time to time).
Balance Transfer from other HDFC Bank Card Accounts will not be accepted.
Balance Transfer requests are to be sent in writing by the Cardmember in the format as may be prescribed by the Bank.
No telephone or fax requests will be entertained.
Balance Transfer will not be accepted for amounts in excess of the outstanding reflected in the Statement(s) submitted
with the Balance Transfer application.
HDFC Bank reserves the absolute right to accept/reject Balance Transfer requests from overdue status accounts or
accounts where Credit Limit has been exceeded or where the account conduct has been unsatisfactory.
The Cardmember must continue to make payments to the designated Credit Card issuing companies until he/she receives
confirmation that the specific account has been credited. HDFC Bank will not be held liable for a new overdue payment or
interest incurred on such other bank Card Account(s). Interest will be charged on a daily basis, at the prevailing interest
rates on the amount transferred, starting from the day of issue of the Pay Order/Demand Draft.
Pay Order/Demand Draft favouring Credit Card issuing companies will be dispatched to the Cardmember's mailing address
by courier. The Pay Order/Demand Draft shall be payable at the location of the Cardmember's mailing address, or at the
closest HDFC Bank location.
The discounted rate of interest (as may be decided by the Bank from time to time) shall be applicable for the
Balances Transferred and will be available for 3 months (or such other period as the Bank may decide from time to time)
post-date of processing of the Balance Transfer. However, during this period, all other Cash and Retail transactions
incurred by the Cardmember shall be levied normal charges and interest as applicable.
At the end of three months from the date of availing the Balance Transfer facility, if the amount is not fully paid off, the
outstanding balance shall attract the normal interest prevailing at that time.
Nothing expressed or implied in the programme shall in any way waive or amend any of the Terms and Conditions of the
existing Cardmember Agreement with HDFC Bank.
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HDFC Bank shall not be liable whatsoever for any loss/damage/claim that may arise out of any use or non-use of any goods
or services availed of by the Cardmember under this offer.
All disputes arising out of such Balance Transfers shall be subject to the exclusive jurisdiction of the competent courts in
Chennai.
INSTALMENT PROGRAMMES
HDFC Bank shall be entitled to, at its sole discretion, make available to individual Cardmembers instalment loan
programmes on the Credit Card, without prejudice to the obligation of the Cardmember to make immediate payment on
the incurring of a charge.
This scheme as and when introduced, refers to a scheme made available by the Bank to the Cardmembers to enable
instalment purchases to be paid wholly or partly by instalments subject to the Terms and Conditions of the scheme detailed
in the promotion. Additionally, the Cardmember will be governed by the rules and regulations of the Cardmember
Agreement.
HDFC Bank will not be liable to the Cardmembers for quality, price or value of goods or any defects in such goods and
services charged on the Credit Card.
These instalment facilities include - Personal Loan or Jumbo Cash Facility and EMI (Equated Monthly instalment) Facility as
more properly described hereinafter.
(A) Personal Loan or Jumbo Cash Facility
a) The Personal Loan/Jumbo Cash Facility may be made available to Cardmembers at the sole discretion of the Bank based
on the profile, credit behaviour and any such other criteria of the Cardmember and/or of the card that the Bank may
determine in its sole discretion as follows:
(I) Up to Available Cash Limit,
(ii) Up to Available Credit Limit and
(iii) Above Credit Limit
b) HDFC Bank shall make available the Personal Loan/Jumbo Cash Facility to the Cardmembers through mailers or
telephonically, as a separate loan account with an application form.
c) Receipt and encashment of a disbursed Demand Draft or credit into Savings Account against such a Loan Facility shall
be deemed as acceptance of the Terms and Conditions and/or the Terms and Conditions governing the concerned
Loan programme.
d) The Cardmember acknowledges that:
(i) The instalment facility is available at the sole discretion of HDFC Bank and onlyto select Cardmembers;
(ii) No Cardmember may claim a vested right to avail of such facility;
(iii) Such facility will be available for such period as HDFC Bank may decide;
(iv) The interest component of the EMIs will be Cardmember specific as decided by HDFC Bank from time to time at its
sole discretion;
(v) The amount of down-payment, the amount of transaction fees and the tenure for the payment of the EMIs and other
payment particulars will be Cardmember specific as decided by HDFC Bank at its sole discretion.
e) HDFC Bank reserves the right to change the tenure and interest rate during the life of the Personal Loan/Jumbo Cash
Facility with due intimation to the Cardmember.
f) Delay in the payment of any EMIs on their respective due dates shall attract the then applicable (i) late payment charge
and (ii) interest, but the same shall be without prejudice to the Bank's right to discontinue the Personal Loan/Jumbo
Cash Facility and/or demand immediate repayment of the entire balance outstanding. This would result in invalidation
of the related credit card from further usage. Delay in the payment of such outstanding balance shall attract the
applicable Interest Charge till repayment by the Cardmember.
g) The Cardmember acknowledges that the interest rate applicable on the Personal Loan/Jumbo Cash Facility shall be as
per the covenants of the particular instalment loan offer. Non-adherence to the Terms and Conditions of the
concerned offer and/or delayed repayments may attract a penal interest, which will be decided and communicated
by HDFC Bank to the Cardmember from time to time.
h) Once the Cardmember has opted for an instalment programme and for payment by EMIs, any subsequent change will
attract a pre-closure charge as may be determined by HDFC Bank and communicated to the Cardmember from time
to time.
i) The Cardmember agrees that funds from the Personal Loan/Jumbo Cash Facility will not be used for speculative or
money laundering and/or anti-social purposes.
(B) EMI Facility
a) As an alternative to the existing modes of effecting payment of charges incurred and without prejudice to the obligation
of the Cardmember to make immediate payment on the incurring of a charge, the Cardmember may, seek to avail of
the option of paying for certain purchases through Equated Monthly Instalments ('EMIs') as will be indicated in the
Statement sent to the Cardmember which shall be subject to the following special Terms and Conditions:
(i) Any EMI Facility granted by HDFC Bank shall be subject to levy of a transaction fee as from time to time may be fixed
by HDFC Bank.
(ii) Once a Cardmember has opted for payment by EMI Facility, any subsequent change will attract a preclosure charge
as may from time to time be fixed by HDFC Bank depending upon the nature of the purchase and will be intimated to
the Cardmember from time to time.

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 (iii) In case any portion of the billed and outstanding charges are not permitted to be paid in EMIs and such portion is not
paid by the 'Payment Due Date', the same will bear and carry a specified Interest Charge as may be fixed by HDFC Bank
from time to time, which will be intimated to the Cardmember.
(iv) Delay in the payment of any EMIs on their respective due dates shall attract the then applicable Interest Charge but
without prejudice to the Bank's right to discontinue the EMI Facility and demand immediate repayment of the entire
balance outstanding. Delay in the payment of such outstanding balance shall attract the applicable Interest Charge till
repayment by the Cardmember.
(v) The EMI Facility will be available for the following purchases, viz., (a) fresh purchases at Merchant Establishments; (b)
purchases of drafts for payment through actual instruments or by credit to the Cardmember's Account or by cash
withdrawals at ATMs; or (c) conversions of past purchases at Merchant Partners.
(vi) Depending on the nature of the purchase and profile of Cardmember, the Cardmember will be permitted purchases
up to or above the 'Available Credit Limit' or up to the 'Available Cash Limit' as HDFC Bank may determine in its absolute
discretion. The expression 'Available Credit Limit' and 'Available Cash
Limit' is the Credit Limit/Cash Limit from time to time set by HDFC Bank for a Cardmember or notified to a Cardmember;
(vii) The Cardmember acknowledges that the EMI Facility is available at the sole discretion of HDFC Bank and only to select
Cardmembers and no Cardmember may claim a vested right to avail of such facility and such facility will be available.
b) For such period and at such Merchant Establishments as HDFC Bank may decide;
c) The interest component of the EMIs will be Cardmember specific as decided by HDFC Bank;
d) The amount of down payment, the amount of transaction fee, the tenure for the payment of EMIs and other payment
particulars will be Cardmember specific as HDFC Bank may decide;
ADDITIONAL CARDS
The Primary Cardmember either singly or jointly with the additional card applicant, may request the Bank to issue
additional cards for operation on his/her Card Account. The Cardmember acknowledges that the Credit Limit approved on
the Card Account is to cover all transactions whether initiated by the Cardmember or the additional Cardmember. Further
the Cardmember acknowledges that and holds the Bank indemnified for all liability on transactions, fees, costs and any
other charges outstanding in the Card Account at any time including transactions initiated by additional Cardmember(s).
The Cardmember also acknowledges undertaking to validate transactions with the additional Cardmembers since no
separate statement may be mailed to the additional Cardmember.
The Cardmember accepts that the Bank may issue an additional card on instructions from the Primary Cardmember over
telephone or in writing or through other modes as decided by the Bank from time to time. The Add-on Card may be issued
to the Cardmember's spouse, parents, siblings or children over 18 years of age. The Cardmember in this connection is
required to provide the Bank or its appointed representatives, details pertaining to him/her and Add-on Card applicants
towards performing reasonable checks for identification and issuing the Add-on Card as considered appropriate by the
Bank before the execution of his request for an Add-on Card. The Cardmember will be fully responsible and liable for all
transactions incurred on the Add-on Card(s). These transactions will be charged to the Card Account and will be included
in the statement and will not be segregated in any manner from the transactions incurred by the Primary Cardmember.
No separate statement will be issued for Add-on Card transactions. The Add-on Cardmembers will also be bound by all
Terms and Conditions of use and all Foreign Exchange Laws/Guidelines and all applicable statutes.
The Primary Cardmember may withdraw the authority of any Add-on Card member by sending a written request to the
Bank accompanied by the Add-on Card, diagonally cut in half. On receipt of both the request and the Add-on Card so
cancelled, the Bank will cancel the Add-on Card and withdraw the authority given to the Add-on Cardmember. All
transactions incurred on the Add-on Card(s) but not billed prior to the date of the cancelled card(s) if received by the Bank,
shall be deemed valid and will be binding on the Primary Cardmember. CO-BRAND/AFFINITY/PARTNER SCHEMES
The partnership agreement between HDFC Bank and the associated Co-brand/Affinity/Associated Partner shall be
conclusive and binding on a Cardmember and nothing contained in the scheme(s) shall be construed as HDFC Bank having
waived any of its rights under the Cardmember Agreement or prejudicing any rights of HDFC Bank thereunder.
Nothing contained in the specific scheme shall be construed as binding obligation on HDFC Bank or any participating Co-
brand/Affinity/Associated Partner to continue the scheme after the scheme termination date or to substitute the scheme
by a new or similar scheme.
The Schemes are special facilities made available by HDFC Bank and HDFC Bank expressly reserves the right to add to
and/or alter, modify, change or vary all or any of the Terms and Conditions or to replace wholly or in part, the relevant
scheme(s) by another scheme(s) or to withdraw it altogether, from time to time with due intimation to the Cardmember.
Changed Terms and Conditions shall be communicated through the Bank's website and by other acceptable modes of
communication.
DISPUTES UNDER CO-BRAND/AFFINITY/ASSOCIATED PARTNER SCHEMES
All disputes arising from associated transactions on such schemes will be resolved by HDFC Bank on a best eff ort basis.
HDFC Bank makes no representation on the service or the billing and any dispute or claim must be resolved by the
Cardmember with the service provider directly. The existence of a claim or dispute shall not relieve the Cardmember of
his obligation to pay all charges and the Cardmember agrees to pay promptly such charges, notwithstanding any dispute
or claim whatsoever.
STANDING INSTRUCTIONS UNDER CO-BRAND/AFFINITY/ASSOCIATED PARTNER SCHEMES
HDFC Bank reserves the right to approve standing instructions for Co-brand/Affinity/Associated Partner related services
and payments. Cardmembers opting for this facility do not automatically qualify for the same. The Cardmember expressly
agrees to communicate to the concerned authorities/ HDFC Bank the new Credit Card number as and when issued for any
amendment/cancellation of the standing instructions and HDFC Bank is not responsible for any delay in this account which
may cause the service provider to disconnect the service/charge any penal charge for the same. HDFC Bank reserves the
right to revoke/stop this facility to any Cardmember with due intimation through the Bank's website and by other
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acceptable modes of communication, if the Bank believes that the continued use of this facility is not in the interest of the
Bank.
CORPORATE CARD
HDFC Bank, as and when applicable may issue a Corporate Card in the name of the individual and/or company and/or firm,
and/or governmental entity and/or agency vide a Corporate Agreement as appropriate from time to time.
The Corporate Agreement between HDFC Bank and the corporate shall be conclusive and binding on a Cardmember and
nothing contained in the Corporate Agreement(s) shall be construed as HDFC Bank having waived any of its rights under
the Cardmember Agreement or prejudicing any rights of HDFC Bank thereunder.
Nothing contained in the specific Corporate Agreement shall be construed as binding obligation on HDFC Bank to continue
the Corporate Agreement after the Corporate Agreement termination date or to substitute the Corporate Agreement by
a new or similar Corporate Agreement.
HDFC Bank expressly reserves the right to add to and/or alter, modify, change or vary all or any of the Terms and Conditions
or to replace wholly or in part, the relevant Corporate Agreement(s) by another Corporate Agreement(s) or to withdraw
it altogether, with due intimation to the Cardmember. Changed Terms and Conditions shall be communicated through the
Bank's website and by other acceptable modes of communication. USE OF EXTERNAL AGENCIES
By use of the card the Cardmember accepts the Terms and Conditions of use as enumerated in this booklet and hereby
authorises the Bank to appoint authorised representatives to collect amounts payable to the Bank, as the Bank may
consider necessary. In the due discharge of their duty, information regarding Cardmember's credit facility will be provided
to the authorised representatives. Further, the Bank will not be responsible for any consequences arising out of the acts
or omissions of such representatives.
All charges payable to such authorised representatives, to collect amounts owed to the Bank will be at Cardmember's cost
and risk, in addition to all costs, charges and expenses incurred by the Bank to recover outstanding dues/monies.
The Cardmember agrees that HDFC Bank may utilise various modes of communication including but not restricted to
telephones, letters, messaging services, email, SMS and may also engage third parties for purposes such as marketing of
services, proper operation of Credit Card Accounts and other administrative services.
ACCEPTANCE
The Cardmember must note that the card will be honoured only when it carries the signature of the Primary or Addon
Cardmember, as applicable. The card will normally be honoured by Merchant Establishments displaying the MASTER (as
applicable) symbol. Card promotional material or MASTER (as applicable) symbols displayed on any premises are not a
warranty that all goods and services available at those premises can be purchased on the card.
The Bank is not responsible or liable for refusal by any Merchant to accept the card for any reason whatsoever. However,
any Merchant/Bank refusal may be reported to the Bank, detailing the name of location, date and time of the transaction
and other details that will assist the Bank in any investigations it may decide at its discretion to conduct.
USAGE OF INTERNATIONAL CARD
Cardmember to notify the bank in advance of his/her international travel and enable international limits appropriately for
convenience during travel.
1. The Bank shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of
decline of a charge because of exceeding Foreign Exchange entitlements as prescribed by RBI guidelines issued from
time to time, on the Bank becoming aware of the Cardmember exceeding his entitlements.
2. Utilisation of card must be in strict accordance with the Exchange Control Regulations of the Reserve Bank of India
(RBI). In the event of Cardmember's failure to comply with the same, Cardmember is liable for action under the Foreign
Exchange Management Act 1999 and/or such other regulation as may be issued by RBI/Statutory bodies from time to
time and may be debarred from holding the Bank's Card valid worldwide, either at the instance of the Bank, any
statutory bodies or the RBI. The Cardmember shall indemnify and hold the Bank harmless from and against any and
all consequences arising from the Primary/Additional Cardmember not complying with the Exchange Control
Regulations of the RBI or such other guidelines.
3. Card usage is bound by the laws, rules and regulations specified by Reserve Bank of India from time to time.
If the Cardmember is emigrating and/or proceeding abroad on permanent employment or intending to become a Non
Resident Indian (NRI) i.e., likely to reside abroad for more than 183 days in a calendar year, the Cardmember must settle
all billed and unbilled card dues after checking the same with the Bank, before emigrating/proceeding abroad for
permanent employment or becoming an NRI. The Cardmember must invalidate the card by destroying it and inform the
Bank of the same in writing. In such cases, the Cardmember will not under any circumstances use the card for drawing
Foreign Exchange.
The card may be used by all residents going abroad for bonafide personal expenses, including the purchase of goods for
personal use, provided, the total exchange drawn during the trip abroad does not exceed the applicable entitlement to
Foreign Exchange of the Cardmember as specified under the prevailing Foreign Exchange Regulations.
Import of goods so purchased abroad into India would be governed by the provisions of applicable laws and regulations
including Baggage Rules/EXIM Policy in force from time to time.
The Cardmember may, if he/she so desires, draw Foreign Exchange against the card in the form of foreign currency
notes/traveller's cheques to the extent of his or her applicable entitlement thereto from an authorised dealer/full-fledged
money-changer. Sale of such foreign currency notes/traveller's cheques out of entitlement would be governed by the
extent of the laws and regulations and would be subject to the applicable ceilings. Exchange sold in the form of foreign
currency notes/traveller's cheques should be endorsed on the passport.
A Cardmember is personally responsible to have his or her passport endorsed for availing Foreign Exchange under the
Basic Travel Quota/Business Travel and may contact our 24-Hour Customer Call Centre for any assistance he/she may
require in this regard.
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Cards cannot be used for effecting nonpermitted remittances under the extant regulations including for subscription to (a)
magazines which are on the proscribed/banned list (b) pools, sweepstakes, lotteries etc.
(c)internet sites selling products/services for which release of Foreign Exchange is not permitted (d) 'Call back services of
telephones'. (e) foreign currency /margin money trading /Virtual Currency. The Bank reserves the right to report such
violations to the Regional Office of the Foreign Exchange Control Department giving full details. The Cardmember's right
to use the card shall be determined forthwith in case of such violation.
The onus of and responsibility for ensuring compliance with Foreign Exchange laws/regulations, as prevailing and/or as
applicable from time to time, prevailing Baggage rules and EXIM policy in force, rests solely with the Cardmember.
The Cardmember accepts full responsibility for wrongful use in contravention of the laws, rules, regulations and Terms and
Conditions and undertakes to indemnify the Bank and to make good any loss, damage, interest, conversion, any other
financial charges and outgoings, costs and consequences that the Bank may incur and/or suffer on account of the
Cardmember and his/her acts of omission, commission, negligence etc. CHARGES IN FOREIGN CURRENCIES
Charges in Foreign Currencies will be converted into Indian Rupees using the exchange rate established by the Bank for
such transactions on the date when the charges are processed by the Bank or authorised agents, plus any applicable
conversion commission. Amounts converted by third parties such as airlines or other establishments will be billed at their
rates.
STATEMENT OF ACCOUNTS
The Bank will mail a Statement of transactions in the Card Account every month on a predetermined date, to the mailing
address provided by the Cardmember.
Non-receipt of the Statement for any reasons whatsoever is not a valid reason for non-payment of dues. Should the
Cardmember not receive the Statement within 7 days from the usual Statement date, the Cardmember is requested to
call the HDFC Bank Credit Cards Division to check the amount payable. Requests for duplicate Statements will attract
charges as determined by the Bank from time to time. The Statement date is predetermined and cannot be changed. The
Cardmember further agrees that the Bank may round off the bill as determined appropriate by the Bank from time to time.
The amount paid in excess of the actual bill amount will be adjusted in the next billing cycle.
The Cardmember should promptly notify the Bank of any unauthorised transactions appearing on the Statement to enable
investigation/amendments (if necessary). These transactions should be notified/referred within 30 days from the date of
the Statement, after the expiry of which the Bank will not be liable for any refunds that may be related to such transactions.
The Statement will have detail all transactions received and processed in the Card Account including any refunds or
payments made since the date of previous Statement and up to the close of business on the day of the current Statement
date.
The amount outstanding on the Cardmember's Statement will be made up of the following:
The amounts charged for all goods and services purchased by the use of card including all mail and telephone order, or
over the Internet and authorised by the Cardmember or by any (Add-on) Cardmember to be charged to the Card Account.
Cash advances on the Cardmember's Card Account including those incurred through Automated Teller Machines (ATMs)
wherever applicable.
All Balance Transfers, if any, availed of by the Cardmember.
The charges set out elsewhere in the Cardmember Agreement (e.g., Fees, Service Charges, Service Tax etc.)
The Cardmember should check each Statement of Account carefully on receipt and immediately notify the Bank of any
unauthorised mail or telephone order/internet, any disputed transaction or any other error.
International transactions on the HDFC Bank International Credit Card: These will be identifiable by a second memo line
appearing under the Merchant name - detailing the Foreign Currency and amount.
TRANSACTIONS
Whenever the Cardmember signs a sales slip/charge slip, mail order form, places a telephonic/internet order, or any other
document authorising the Bank to accept a transaction on the Card Account, the Cardmember(s) is/are agreeing to,
confirming the validity and acknowledging the amount (including and/or any fee or service charge) shown on that
document relevant to the price of the goods and/or services obtained. It must be noted that service charges or any fees
levied are not refundable in case of a dispute.
Similarly, when the Cardmember signs a cash advance voucher, the Cardmember is agreeing to and confirming the validity
and accuracy of the amounts shown (including and/or any fee or service charge) shown on that voucher relevant to the
cash obtained. In some cases, the Cardmember may be requested to acknowledge the receipt of cash on the same or
separate voucher.
The Cardmember must ensure to keep copies of all such vouchers/documents in a safe manner at least till such time as
the transaction is reflected in the Statement.
The Cardmember must not at any point, hand over the card to any other person for use. It must also be ensured that the
Cardmember is physically present at the Merchant Establishment (except in the case of mail/telephone order/internet
transaction) at the time of the transaction.
The Cardmember must ensure that the card/PIN is not shared with any other person for usage. In the event of any such
usage it will be deemed as criminal/civil offence as the case may be. The Bank reserves the right to proceed legally against
the Cardmember and the person suspected of such usage as per applicable laws. The Cardmember should not use
retail/consumer card for the purpose of funding the working capital and/or other financial requirements of any business
owned by him/her.
Prior to completion of a transaction on his/her Card Account, if the Cardmember wishes to cancel the same, he/she must
advise the Merchant and ensure the destruction of the voucher/document in his/her presence.

7
Where the card transaction is being processed on any electronic terminal the transaction would typically have been
completed by the time the voucher is presented for the Cardmember's signature.
In such cases, the Cardmember must ensure that the Merchant completes a 'refund' transaction or 'voids' the transaction
and provides the Cardmember with evidence (e.g., Credit Voucher) of the same.
The Cardmember must retain this evidence and advise the Bank if the refund does not appear on the next Statement of
Account or if the transaction that has been voided appears in the Statement of Account.
Similarly, where a transaction is previously completed and the Merchant is subsequently willing to accept a cancellation
(e.g., Airline or Railway Bookings etc.), the Cardmember must ensure that the Merchant completes the refund in the form
of a Credit Voucher (with the imprint of the card). The Cardmember must retain a copy of this voucher and he/she must
advise the Bank of this refund if it does not appear on the account within thirty days from the date of cancellation.
A purchase and a subsequent credit for cancellation of goods/services like air/rail tickets are two separate transactions.
The Cardmember must pay for the purchase transaction as it appears on the Statement, to avoid charging of any fee. The
refund will only be credited to the Card Account (less cancellation charges) as and when received from the Merchant.
FEES AND SERVICE CHARGES
The Bank reserves the right to charge the Credit Card Account with fees and charges. The Bank is also irrevocably
authorised to debit the Credit Card Account with joining fee (as applicable) in the first year and with an annual membership
fee (as applicable) each year until the Credit Card Account is closed. The Annual Membership Fee is payable in advance
and no refund is payable when the Credit Card Account is closed. The Primary Card and Add-on Cards will attract Annual
fees as specified from time to time. The monthly Statement of Account will detail all such fees and charges applied to the
Credit Card Account.
The Joining and Annual fee(s) are subject to changes at the discretion of the Bank and are not refundable. The Cardmember
agrees for these fees to be charged to the monthly Statement that will be generated by the Bank.
INTEREST
Unless the interest-free period applies as set out below, HDFC Bank will levy an interest on any new purchase (and any
related debited charge) from the day on which the purchase (and any related debited charge) is transacted on the Card
Account. The interest free period for a purchase (and any related debited charge) in any Statement period will apply if the
outstanding balance on the Card Account for the previous Statement period (if any) is paid in full by its due date. If the
outstanding balance on the Card Account is not paid in full by its due date, finance charge will be levied on both
statemented outstanding and new purchases (and any related debited charge), from the date of each transaction on the
card account till the date of complete payment is made.
HDFC Bank will charge interest on a Cash Advance from the day on which the Cash Advance is transacted on the Card
Account till the date of repayment of the Cash Advance (including cash interest accrued thereof) in full.
HDFC Bank will ordinarily levy interest on the purchase balance outstanding on the Card Account on a daily basis by
applying its current daily percentage rate to the amount of the purchase balance outstanding at the end of each day. HDFC
Bank will levy a finance charge on Cash Advance balances on a daily basis by applying its current daily percentage rate to
the amount of the Cash Advance balance at the end of each day.
The interest as above, will continue to be payable after termination of this agreement or closure of the Card Account until
the card balance is cleared in full.
HDFC Bank may at any time, under intimation to the Cardmember, vary the interest to take into account prevailing interest
rates, market forces and credit and business risks. The Bank may offer differential rates on preferential Cardmember
behaviour. This is entirely at the discretion of the Bank and could mean revision of interest rates higher or lower than the
rate prevailing at that point of time.
GOVERNMENT FEES AND CHARGES
Various government duties, rates, taxes or charges will apply to and be payable by the Cardmember for the operation of
the Credit Card Account. The Cardmember agrees to reimburse the Bank for payment of any such taxes, rates or charges
or other similar taxes or levies payable in connection with any advances, finances or credit provided by the Bank to the
Cardmember.
Goods & Services Tax (GST)
· The applicable GST would be dependent on place of provision (POP) and place of supply (POS),If POP and POS is in the
same state then applicable GST would be CGST and SGST/UTGST else, IGST.
· GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
· GST levied will not be reversed on Any dispute on Fee &Charges / interest.
PAYMENTS
As per the RBI guidelines, in case the amount on account of use of the Card overseas is greater than the
Cardmember's Foreign Exchange entitlements, the Cardmember should provide the reimbursement claimed, and the Bank
is authorised to report the matter to the Regional Office of the Exchange Control Department giving full details.
However, under no circumstances should the payment of the Credit Card bill/dues be delayed or refused on the grounds
of the Cardmember having exceeded the entitlement. There will be no obligation on HDFC Bank to make a claim or demand
for payment on a Cardmember and non-payment shall render the Cardmember liable to risk of withdrawal (whether
temporarily or permanently) of his card membership. MONTHLY REPAYMENTS TO CARDMEMBER'S CARD ACCOUNT
Amounts which are payable immediately
Overlimit Amount - If at any time, the outstanding balance on the Statement of Account exceeds the approved Credit
Limits, this Overlimit Amount must be paid immediately.

8
Overdue Amount - If 'Minimum Amount Due' remains unpaid from previous Statements of Account; these oOverdue
amounts must be paid immediately.
Amounts which are payable by the 'Due Date'
Each month the Cardmember may pay as much as he/she wishes towards the 'Closing Balance' shown on the Statement
of Account, provided the payment is not less than the amount shown on the Statement of Account as the 'Minimum
Amount Due'.
If the Cardmember does not wish to pay the full amount of the closing balance shown on the monthly Statement of Account
he/she can avail of the Revolving Credit Facility and will need to pay only the Minimum Amount Due as shown on
Statement of Account. All payments must be made prior to the due date, irrespective of whether or not Statement has
been received by the Cardmember. Non-receipt of a Statement will not be considered a valid reason for non-payment. In
the event that the Cardmember has not received the Statement, he/she can calculate the amount based on the unpaid
chargeslips in his/her possession.
The Minimum Amount Due will be 5% of Retail Balance / Cash Advance Balance and finance charges and 100% of Charges,
Loan EMI billed under cards, levies and taxes (or any other percentage as advised from time to time) of the Statement
Closing Balance or Rs. 200, (or such other amount as notified from time to time), whichever is greater. (This does not apply
to cancelled or closed Cards in case of which full outstanding amount needs to be cleared immediately on demand). If the
closing balance is less than Rs. 200 (or such other amount as notified from time to time) it must be paid in full.
The due date for payment (which presently would be approximately 20 days from the Statement date) is the last date by
which the payments should reach the Bank. It may be noted that the due date is only a convenience to enable Statements
to reach the Cardmember and also to provide time to process the Cardmember's payments. Future transactions on the
account may be declined if the payment is not received within the due date and all transactions will attract service charges
from the date of purchase.
The Cardmember's payments will first be applied to all overdue amounts (the oldest due being credited first) in the
following order:
1. Fees and other Charges
2. Interest
3. Balance Transfer Amount Billed (if applicable)
4. Cash Advances Billed
5. Retail Transactions Billed
6. Balance Transfer Amount Current (if applicable)
7. Cash Advances Current
8. Retail Transactions Current
Payment will be treated as made from the date on which the payments are credited to the Card Account in the ordinary
course of business. Payments made by cheque drawn on a location where the Bank does not have a branch will be subject
to a processing and handling fee as determined by the Bank from time to time, in addition to Drawee Bank's charges for
all outstation cheques. Generally, payments made in cash or through Direct Banking Channels will be credited to the Card
Account within 2 business days, provided, they are made prior to the close of business hours as applicable. Proceeds of
payments to the account such as cheques cannot be used or withdrawn until funds are confirmed as cleared. If, for any
reason (whether at Cardmember's request or otherwise) the Bank allows withdrawal or use of the proceeds of the cheque
or other such payment before it has been cleared, the Bank will be entitled to debit the Card Account, in the event that
the cheque or other such payment is later dishonoured and the Cardmember shall be completely liable to make payments
thereof and on account thereof.
Payment towards multiple Card Accounts (held by the same Cardmember or otherwise) cannot be made vide a single
cheque. The Bank does not undertake the responsibility of apportionment of such payment as may be desired by the
Cardmember.
If the Cardmember is not going to be able to access his/her mail around the period that he/she usually receives the
Statement, it would be the Cardmember's responsibility to make arrangements to ensure that at least the Minimum
Amount Due reaches the Bank before the Payment Due Date.
The Bank has made arrangements to provide Drop Box facilities at various locations in serviceable cities as determined by
the Bank from time to time. The updated list of Drop Box locations may be communicated to the Cardmember as
appropriate. The Cardmember is advised to use these Drop Boxes to deposit only locally payable cheques or drafts along
with Payment Vouchers/stubs (tear off portion of Statement) duly completed with the cheque details.
Cardmembers are advised not to issue post-dated cheques towards card outstanding as the Bank does not in the normal
course of operations offer to clear post-dated cheques.
Timely payment towards the card dues is essential and it is a condition of this Agreement that all payments towards
Minimum Amount Due must reach HDFC Bank on or before the Payment Due Date indicated in the monthly Statement of
Account.
If the Minimum Amount Due is not paid by the Payment Due Date, a late payment fee as specified in the tariff sheet will
be debited to the Card Account and is subject to change at the discretion of HDFC Bank.
Non-payment of card dues shall also render the Cardmember liable to risk of instant withdrawal of the card membership
without prior notice. RETURNED PAYMENTS
In case the cheque or any other payment instrument forwarded by the Cardmember is not honoured or must be returned
to the Cardmember because it cannot be processed, HDFC Bank reserves the right to proceed legally against the
Cardmember and would at its discretion levy a penal fee and/or temporarily withdraw credit facilities on the card.
Repeated instances of payment instruments not being honoured could result in cancellation of the account. A cheque

9
return fee at the prevailing rate would be levied on the amount of the returned cheque subject to a minimum amount as
specified by the Bank from time to time.
The attention of the Cardmember is invited to the provisions of section 138 of the Negotiable Instruments Act, 1881 and
to the serious criminal penalties therein specified for the dishonour of cheques. AUTO-DEBIT
If the Cardmember has a Current Account or a Savings Account at any of our branches in India, the Bank may at its sole
discretion arrange to have any one of these accounts debited automatically every month on the Cardmember's written
request.
The Cardmember may note that the Auto-Debit facility will not be available on certain classes of Accounts as determined
by the Bank from time to time. Accounts currently residing in Micro Banker will not be eligible to participate in this facility.
The Automatic debit will be processed on the registered account nominated by the Cardmember from the Payment Due
Date and will be credited to the Card Account. In the event of non-realization of payment in the first attempt, repeat
attempts will be made until realization of payment
Cardmember must have sufficient cleared funds in the nominated Savings or Current Account at the time of the debit
being processed. In case the Cardmember has instructed the Bank to clear the Card Account balance fully (i.e., 100% Auto-
Debit) each month, but the cleared balance available in the nominated Savings or Current Account is insufficient in any
month, the Auto-Debit service will instead claim only the Minimum Amount Due (if the cleared balance in the nominated
account is sufficient to cover the Minimum Amount Due). In such instances of nonrecovery for Total Amount Due for two
successive months, the Auto-Debit instruction for all subsequent months will be amended by the Bank to claim for the
Minimum Amount Due until receipt of fresh instructions from the customer. Where the Auto-Debit service claims the
Minimum Amount Due, and the nominated Savings or Current Account does not have sufficient funds to meet the claim,
the amount will be reserved to Cardmember's Card Account and the Auto-Debit reversal charges at the prevailing rate
would be levied to the Card Account. In such instance of non-recovery of Minimum Amount Due for two successive
months, the Auto-Debit instruction for all subsequent months will be cancelled until receipt of fresh instructions from the
customer for incorporation of Auto Debit. The Bank reserves the right to accept and/or subsequently cancel or not accept
any such instructions.
In case the Cardmember has instructed the Bank to claim for amounts other than the Minimum Amount Due and there is
a credit or a payment made to the Card Account before the Payment due date, the Bank may at its discretion claim only
the residual amount i.e., the difference between the amount outstanding as per the Statement and the payments/other
credits received before the Payment due date. The Bank reserves the right to amend its policies with respect to such
instructions from time to time.
In case the Cardmember has instructed the Bank to claim for amounts other than the Minimum Amount Due and in the
event of non-recovery of funds, the Bank will attempt to recover at least the Minimum Amount Due on the Card Account.
In future, the Bank may introduce at its discretion a variable option for Auto-Debit facility. Where the Cardmember has
opted for a variable amount and the Minimum Amount Due payable on the Card Account is higher than the option
exercised, the Bank reserves the right to claim the higher of the two.
If the Auto-Debit cannot be claimed for insufficient funds on the recovery date, the Auto-Debit reversal charges would be
levied irrespective of any other payment/credit made into the Card Account through any other mode other than Auto-
Debit.
The Bank at a predetermined overdue status would reserve the right to withdraw the standing instructions given by the
Cardmember without any prior notice and the facility may not be made available in future.
In a specific case where subsequent to providing instruction to the Bank to Auto-Debit a nominated account, the
nominated account is closed or transferred to another branch, the Cardmember undertakes to advise the Cards Services
Division of the Bank of the change in status of the nominated account. Please note that the service or penal charges that
accrue to the Cardmember's account because of non-compliance or delay of this advice will not be refunded.
OPERATING ELECTRONIC TERMINALS
The term 'Electronic Terminal' includes:
Any HDFC Bank branch teller machines as and when introduced;
Any of the Bank's Automated Teller Machines (ATMs) and Cash Dispensers;
Automated Teller Machines (ATMs) and Cash Dispensers of other selected Banks/financial institutions; Electronic Funds
Transfer at Point of Sale (EFTPOS) terminals; and,
Any other authorised terminal or device connected to the Bank's electronic Banking system as and when introduced.
The Bank will specifically advise the Cardmember whenever the card is acceptable for use at our ATMs (Automated
Teller Machines) or other bank's ATMs or other specified electronic devices. In such cases, where applicable, the Bank will
provide the Cardmember with a PIN (Personal Identification Number). The Bank reserves the right to alter the types of
accounts, which may be operated or the types of transactions, which may be undertaken using the card and PIN, at any
time. In the event that the service is being provided on the card, the Bank will endeavour to maintain electronic access on
our ATMs or electronic devices/terminals unless:
An Electronic Banking Terminal malfunctions or is otherwise unavailable for use.
The Card Account is overdue or otherwise considered irregular by the Bank.
In any of these events, electronic access to the nominated accounts may be withdrawn without prior notice to the
Cardmember, without any liability devolving upon the Bank for such withdrawal.
The Bank will advise the Cardmember of his/her PIN in a secure manner. On receipt of this PIN, the Cardmember must
memorise it and destroy the original PIN advice. The Bank's ATMs may allow the Cardmember to change the PIN (originally
advised by the Bank) to a PIN of his/her choice. The PIN advised to the Cardmember by the Bank is confidential and must
not be made known by the Cardmember to anybody. The Bank will not be liable or responsible for any consequences of

10
the Cardmember's valid PIN becoming known to a third party. The Cardmember will be liable for all consequences in the
event of any loss due to the misuse of his/her PIN.
If, after memorising the PIN, the PIN is lost or stolen, or if the PIN becomes known to somebody else, and if the card is still
in the Cardmember's possession, he/she should immediately advise the Cards Division of the Bank. Any delays may expose
the Cardmember to the liability of unauthorised use of the card.
Subject to the Card Account being valid, if the card is retained in the ATM, the Cardmember should contact our 24Hour
Customer Call Centre for assistance. A replaced card will be forwarded for a fee as specified by the Bank from time to time.
CHANGES TO TRANSACTIONS THROUGH TERMINALS
Any transaction made by the Cardmember at any electronic terminal cannot be cancelled, altered or changed by the
Cardmember. PROCESSING DATE
For transactions made at any of the Bank's ATMs and ATMs of other selected banks/financial institutions the Bank will
endeavour to process the same to the Card Account on the same or following business day provided they are made prior
to the close of the Bank's business hours.
PRINTED TRANSACTION RECORDS
When the Cardmember completes a transaction at an electronic terminal he/she will receive a printed transaction record.
The Cardmember must check the record carefully. The Cardmember should retain these records for verification purposes
and to aid in reconciling Account Statements.
Some of our ATMs will offer the option of not receiving a transaction record. However, it is recommended that the
Cardmember always choose to receive a transaction record.
TRANSACTION LIMITS
The Bank may change or impose limits on the amount of funds that are made available through electronic terminals, over
any specified period of time for transactions that require the use of a card and PIN. Merchants and other banks/financial
institutions may also impose additional restrictions on transaction limits. ELECTRONIC FUNDS TRANSFER AT POINT OF
SALE (EFTPOS)
When using the card at an EFTPOS terminal, the Cardmember agrees that the Bank will not be held responsible or liable,
unless required by law, for:
Any Bank/Financial Institution or Merchant refusing to accept or honour the card; or Any goods
or services purchased with a card
Any complaint about goods or services must be resolved only with the Merchant concerned. If an EFTPOS terminal
malfunctions or is otherwise unavailable for use, alternative manual transactions may be made using the card and a
transaction voucher must be signed by the Cardmember at the request of the Merchant.
POINT-OF-SALE (POS) TRANSACTION
When using the card at a POS terminal, the Cardmember agrees that the Bank will not be held responsible or liable, in the
event that a POS terminal malfunctions or is unavailable for use. Alternative manual transactions may be made using the
card and a transaction voucher must be signed by the Cardmember.
INTERNET TRANSACTIONS
The Cardmember is cautioned that any transaction on the Internet resulting in any outflow of Foreign Exchange must be
made strictly in accordance with the Exchange Control Regulations of the RBI and that in event of failure to do so the
Cardmember may be liable for penal action under the Foreign Exchange Management Act, 1999. With a view to protect
the interest of Card members, HDFC Bank reserves the right to decline at its sole discretion, certain Internet transactions,
depending on the origin and nature of purchase. This is done with a view to protect the Cardmembers from unauthorised
or fraudulent usage of account information by persons/parties.
DISPUTES
Any chargeslip or other payment requisition received from a Merchant Partner by HDFC Bank for payment shall be
conclusive proof that the charge recorded on such chargeslip or other requisition, was properly incurred for the amount
and by the Cardmember referred to in that chargeslip or other requisition, as the case may be, by the use of the Credit
Card, except where the Credit Card has been lost, stolen or fraudulently misused, the burden of proof for which shall be
on the Cardmember and for which prior intimation to the Bank must be provided by the Cardmember. The other payment
requisition referred to in this clause shall include any and all payments pertaining to permissible expenses incurred by a
Cardmember at a Merchant Partner by use of the card which is not recorded on a chargeslip.
If the Cardmember believes that an error has occurred in the Statement he/she should promptly inform the Bank in writing,
(so that the same is received by the Bank within 30 days of the date of Statement in which the transaction under dispute
was charged). The operating rules applicable under the Credit Card Scheme impose time limits on reporting disputed
transactions. If the Cardmember does not report/inform the Bank within time, this makes it difficult for the Bank to gather
information about the transactions and this may work to the Cardmember's disadvantage.
It is therefore advisable to notify the Bank of any disputed transactions immediately upon receipt of the Statement of
Account. This includes any disputes regarding Reward Points (if applicable) allocated to the Card Account. To assist the
Bank with its investigations, the Cardmember will need to provide the following information: Cardmember name and card
number
Details of the transaction in question
Wherever necessary the Bank will contact the Cardmember should it need any further information. Pending the Bank's
investigation and correction (if any), the Bank may, at its sole discretion, credit the Cardmember's account with the
disputed amount and debit the appropriate Reward Points (if applicable) till a conclusion is arrived in respect of the
dispute. Where, after completion of investigations, the Bank concludes that no error has occurred, the Bank may advise
the Cardmember accordingly, and the account if already credited will be promptly debited for the disputed amount with
11
relevant credit of Reward Points (if applicable) with the original transaction date, and interest will accrue accordingly. If,
in the process of investigating the Cardmember's query, the Bank has had to retrieve voucher copies either from its
archives or through another bank entity, the Cardmember's account will be debited for retrieval fees as specified by the
Bank from time to time. Amounts due on the transactions including disputed transactions are payable by the due date
appearing on the Statement of Accounts.
In case of any dispute on an Add-on Cardmember usage, a copy of the chargeslip in a card present environment will be
deemed to be conclusive proof of usage by the Add-on Cardmember and will be binding on the Primary Cardmember to
construe the same as valid/due and payable. During the course of any interaction on the disputed transactions, the Bank
may, at its sole discretion, record the facts, evidences, telephonic conversations with the customer for the purpose of
investigation.
The Courts in Chennai, India, shall have exclusive jurisdiction to deal with all disputes between the Bank and the
Cardmember, or the estate of the Cardmember and the Cardmember hereby irrevocably and unconditionally agrees to
submit him/her to such exclusive jurisdiction. SECURITY TIP
Please ensure your mobile number and email ID is updated with the Bank.
Kindly refer our Customer Protection Policy for electronic banking transactions at:
www.hdfcbank.com/assets/pdf/Customer-Protection-Policy.pdf AIRLINE/RAILWAY
REFUNDS
On cancellation of an Airline/Railway ticket, if the credit is not processed to the Cardmember's Account within 30 days of
the cancellation date, the Cardmember may immediately mail a copy of the credit voucher to enable the Bank to follow
up with the concerned member Bank for processing the transaction. The Bank will credit the Card Account as appropriate
on receipt of the proceeds from the processing Bank. However, any Charge/Finance charge(s) resulting from delay at any
parties' end to process the credit will need to be borne by the Cardmember.
The Ticket Deposit Receipt is not a valid credit note and the Bank would be unable to take up the matter with the concerned
member Bank for processing the credit. Cardmembers must submit the Ticket Deposit Receipt to the concerned Railway
Authorities within the specified time period (as applicable from time to time) and obtain a credit voucher. In the absence
of a valid credit voucher, the Bank would be unable to credit the Card Account.
The Cardmember hereby indemnifies the Bank fully against any liability (civil or criminal), loss, cost, expenses or damages
that may arise due to non credit of the cancelled ticket amount by the concerned authorities/member Banks.
FUEL ON CREDIT/RAILWAY SURCHARGE
The Cardmember can use the HDFC Bank International Credit Card to buy fuel (petrol, diesel or other petroleum products
or automobile related services or other merchandise at petrol pumps) on credit at select petrol pumps across the country
or for certain online/Point of Sale transactions. Depending on the arrangement those organisations have with their
member banks, the transaction will attract a service fee from the member bank and any taxes thereon, which may vary
from time to time. This charge cannot be suppressed, and is due and payable.
Currently all tickets booked with the Railways using the Credit Card would attract a handling charge from the member
Bank at a fixed percentage/amount, which cannot be suppressed and is due and payable.
Transactions done using the Card Account may in the future attract similar charges as specified by the
Franchise/Authorities. Intimation as appropriate will be given by the Bank to the Card member from time to time. QUALITY
OF GOODS AND SERVICES
HDFC Bank shall not be in anyway responsible for merchandise, merchandise warranty or services purchased or availed of
by the Cardmember from Merchant Partners including on account of delay in delivery, non-delivery, nonreceipt of goods
or receipt of defective goods by the Cardmember. It must be distinctly understood that the Credit Card facility is purely a
facility to the Cardmember to purchase goods or avail of services and HDFC Bank holds out no warranty or makes no
representation about quality, delivery or otherwise howsoever, and any dispute or claim must be resolved by the
Cardmember with the Merchant Partner.
The existence of a claim or dispute shall not relieve the Cardmember of his obligation to pay all charges and the
Cardmember agrees to pay promptly such charges, notwithstanding any dispute or claim whatsoever.
Purchase made on the Credit Card shall remain the property of HDFC Bank till such time the charges pertaining thereto are
paid in full by the Cardmember to HDFC Bank. HDFC Bank reserves the right at any time to seize or direct a Merchant
Partner or any third party to seize all or any purchases made on the Credit Card if they are or come into possession, custody
or control of HDFC Bank, the Merchant Partner or third party, as the case may be.
All liquor charges shall be subject to the laws in each State for acceptance of the Credit Card.
The Cardmember also specifically agrees that the services provided by the Affinity/Co-brand/Associated partners shall be
with their exclusive expertise and that the Bank shall not be party to such service rendered by the Affinity/Co-
brand/Associated partners nor does the Bank provide any guarantee or responsibility or indemnity to the Cardmember as
far as the services rendered such as its quality, accuracy, scope and cost to the Cardmember. The Cardmember hereby
undertakes that any disputes or argument that he may have with the Affinity/Cobrand/Associated partners with respect
to services rendered will not constitute valid reason for him/her to dispute, delay or default on dues owed - in full or in
part - on his HDFC Bank International Credit Card.
CARD LOSS
The Cardmember must notify the Bank Cards Division located at Chennai and its Regional Offices as intimated from time
to time immediately if the Primary or any Additional Credit Card is lost, stolen, mutilated, not received when due or if
he/she suspects that the Credit Card is being used without Cardmember's permission.
A Cardmember must report a card lost over the telephone. HDFC Bank will upon adequate verification temporarily suspend
the Card Account and will not be liable for any inconvenience caused to the Cardmember on this account.

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In case of loss / theft / misuse of the card, customer can immediately hotlist / block the card by raising a request through
below channels.
Channels Path / Contact details
NetBanking www.hdfcbank.com > Log in > Pay > Credit Cards > Select the Card from
Your Credit Cards > Block
Mobile Banking Mobile banking home page > Pay > Credit Cards > Select the Card from
Your Credit Cards > Block
MyCards - PwA https://mycards.hdfcbank.com > enter registered mobile#> Card control >
Services > Security > Hotlist
WhatsApp Banking 70700 22222 > Type Hotlist Card > Option will be displayed for hotlisting

PhoneBanking / 1800 202 6161 / 1860 267 6161 (accessible across India)
IVR 1800 266 3310 ,022-6171 7606 (For customers travelling overseas)
EVA Visit www.hdfcbank.com > Click on EVA icon > Credit Card Service > Block
Card
Once a card is reported lost, it should not, under any circumstance be used if found by the Cardmember subsequently. As
the Add-on Card is an extended facility given on the primary Card Account, the Add-on Card is rendered invalid when the
Primary Card is reported lost. Similarly, if the Add-on Card is reported lost, the Primary Card Account and other Add-on
Cards are invalidated.
The Bank is not liable or responsible for any transactions incurred on the Card Account prior to time of reporting of the
loss of the card and the Cardmember will be wholly liable for the same. After the receipt of proper notification of the loss
by the Bank, the Cardmember's subsequent liability is zero.
The Cardmember will be liable for all transactions on the card if the card(s) loss is not reported immediately and the FIR
not filed within 3 days of the loss/theft of the card.
Subject to the account being regular and the report of any card loss being received properly and in time, the Bank will
reissue the Primary Card (and Add-ons, where applicable) on receipt of written instructions confirming the loss, along with
the FIR and send the re-issued Cards to the address of the Primary Cardmember. However, the re-issue of the card is
completely at the discretion of the Bank.
The Cardmember will also fully co-operate with the Bank, the representatives of the Bank and/or legal authorities in the
event of an investigation into any disputed transactions.
The Cardmember hereby indemnifies the Bank fully against any liability (civil or criminal), loss, cost, expenses or damages
that may arise due to loss or misuse of the card, in the event that it is lost and not reported to the Bank or lost and misused
before the Bank is informed.
CARD OR PIN LOSS OR THEFT
The Cardmember (Primary and/or Add on) must make a written report to the Bank's Cards Division located at Chennai and
its Regional Offices as intimated from time to time immediately once he/she becomes aware (or should reasonably have
become aware in the case of lost or stolen Cards) that: The card or PIN record (or both) has or may have been lost or
stolen; or
The PIN has or may have become known to someone else; or,
The card or PIN (or both) has or may have been used by someone else.
If the Cardmember reports that the PIN may have become known to someone else or may have been used by someone
else, the Cardmember must not continue to use that PIN. CREDIT CARD RE-ISSUE AND REPLACEMENT
If the Cardmember's Credit Card becomes defective or gets damaged, the Cardmember may ask for a replacement card at
any of the Bank's Cards Division located at Chennai and its Regional Offices as intimated from time to time.
All such Credit Cards are subject to Terms and Conditions of Use and the Bank reserves the right not to reissue a Credit
Card to any Cardmember.
VALIDITY/EXPIRY/RENEWAL
The Credit Card will be valid until the last day of the month printed on the face of the Credit Card. While some Cards
could be issued for a validity period of one year, the Bank may, at its discretion, issue Cards with validity for a period
exceeding one year.
Unless in breach of the Terms and Conditions of Use, the Bank will automatically renew the validity of the card (and that
of the Add-on Cardmembers) and send the new card(s) usually 30 days before the expiry of the current card(s). In case of
non-receipt of the renewed card(s) before the stipulated time, Cardmember should contact the Bank's Credit Card Division
located at Chennai and its regional offices as intimated from time to time.
In case the Cardmember does not wish to renew his/her card(s), the Bank must receive his/her written instruction at least
45 days prior to the expiry of his/her card(s). In the absence of this, the renewal fee (as applicable at the time of renewal)
will be charged and must be paid and will not be refunded.
The Cardmember must not attempt to use his/her card outside its validity period. The Bank will not be liable in any manner
whatsoever, for any consequences that may arise due to the Cardmember's attempt to use the card outside its validity
period.

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CREDIT CARD CANCELLATION
All Cards issued to the Cardmember remain the property of the Bank at all times and the Bank reserves the right to cancel
and retrieve the card (and/or those issued to the Add-on Cardmembers) at any time without prior notice including if the
Bank believes that the continued use of the card(s) is not in the interest of the Bank. BY THE BANK
If a notice of cancellation is given, from the date of notice of such cancellation by the Bank, the Cardmember must not use
his/her card and must immediately return the card to the Bank. Before returning the card to the Bank, the Cardmember
must deface the signature panel (on the reverse) and cut the card(s) diagonally into half. The Cardmember will be required
to clear all outstanding dues on the Card Account immediately.
Interest and any other applicable charges will continue to accrue on the Card Account until the outstanding balance of
such Card Account is reduced to nil.
The death of a Cardmember, insolvency/dissolution/bankruptcy/or winding up of a Corporate Body of a Cardmember shall
automatically cancel the card issued to the Cardmember as well as any Add-on Cardmembers. The Card Account would
also be liable to be suspended on instructions from any government/regulatory body. All amounts outstanding on the Card
Account shall be deemed to have immediately become due on death, insolvency, bankruptcy, winding up or instruction
from government/regulatory bodies, as the case may be, and the Bank shall be entitled to recover the same in accordance
with the relevant laws in force without prejudice to the obligation of the Cardmember to forthwith pay all outstanding
amounts.
In the event a Corporate Body is subject to any dissolution or winding up proceedings, or if any order is in force issued by
a government/regulatory body which directly or indirectly prohibits the Bank from issuing Credit Cards to that Corporate
Body, all Corporate Cards issued to employees of that Corporate Body would be cancelled without notice. The Bank is not
liable for any claims arising out of such cancellation. All Cards would have to be destroyed and surrendered in the stipulated
manner and all amounts outstanding on these Cards would become payable immediately.
BY THE CARDMEMBER
The Cardmember may cancel the Cards at any time by:
Making a written request only to the Bank for cancellation of only Add-on Card or both Primary and Add-on Cards; and
Cutting the card(s) diagonally in half and returning it to the Bank's Cards Division.
BY THE BANK
When the Bank cancels a card or receives instruction from the Cardmember to cancel a card:
The Bank will cancel the card and send a written confirmation to the Cardmember on liquidation of outstanding dues on
the Card Account. The card must not be used and must be returned to the Bank cut diagonally into half; and
THE CARDMEMBER
is responsible for any use of the card until the card is returned to the Bank cut diagonally into half; and must liquidate the
outstanding immediately. CHANGE OF NAME AND ADDRESS
The Cardmember agrees to promptly notify the Bank's Cards Division in writing, of any change to his/her name or an
Additional (Add-on) Cardmember's name. The Bank reserves the right at its discretion to accept such request(s) pending
production of statutory evidence of such a change.
The Cardmember also agrees to promptly notify any change of his/her residential and /or office address and /or contact
telephone number(s) and/or mobile number and/or email addresse(s) to the Bank's Cards Division.
The Cardmember would need to give the Bank a notice of at least 5 business days after the receipt of his/her request to
enable us to update the Bank's records.
CARD SECURITY
The security of the card and the PIN is very important. If the Cardmember fails to observe the following security
requirements he/she may be liable for any unauthorised use of the card and the PIN.
THE CARDMEMBER (PRIMARY AND ADD-ON) SHOULD
Sign on the back of his/her card immediately on receipt
On the expiry date destroy his/her card by cutting it diagonally into half Not let
anyone else use his/her card
Not hand over the card to anyone even to those posing to be authorised by the Bank
Take steps to protect his/her card from loss or theft and
Notify the Bank once the Cardmember becomes aware that his/her card has been lost or stolen, or has been used by
someone else
PIN SECURITY
The Cardmember (Primary and Add-on) should:
* Not divulge his/her PIN to anyone including a family member or friend
Use care to prevent anyone else seeing his/her PIN being entered in an electronic terminal
Not write or indicate his/her PIN on his/her card or elsewhere, even if it is disguised
Try to commit his/her PIN to memory and should not write or indicate his/her PIN anywhere
Notify HDFC Bank once he/she becomes aware that his/her PIN record has been lost or stolen, or known to or used by
someone else

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EXPENSE OF ENFORCEMENT
Primary Cardmember and all additional Cardmembers shall be jointly and severally liable to indemnify the Bank in respect
of any and all expenses incurred by the Bank in enforcing or attempting to enforce rules and regulations including all legal
fees and disbursements on a full indemnity basis. LIEN AND RIGHT OF SET-OFF
It is agreed that the Bank, at any time and without notice, will have a lien and right of set-off on all monies belonging to
the Cardmember and/or Add-on Cardmember standing to their credit in any account whatsoever with the Bank or in the
possession or custody of the Bank. If upon demand by the Bank, the balance outstanding on the Card Account is not repaid
within the prescribed time, such credit balance in any account including fixed deposit accounts and any properties of the
Cardmember and/or Add-on Cardmember in the possession or custody of the Bank whether for safe keeping or otherwise,
including but not limited to dematerialised shares or other securities of the Cardmember and/or Add-on Cardmember,
held by the Bank as a Depository Participant, may be adjusted towards dues under the Card Account. In case of any deficit,
the deficit amount may be recovered by the Bank from the Cardmember and/or Add-on Cardmember.
FIXED DEPOSIT LIEN PROCESS FOR FD LINKED CREDIT CARD:
Without prejudice to Bank’s right of general lien and set off, in case of issuance of Credit Card against the fixed deposit(s)
placed/ to be placed by the Cardmember (“FD Linked Card”), the Bank shall be authorized to mark a lien on the entire
amount or such other amount as has been specified in this regard, of the said fixed deposit(s), whether such amount is
additional to or by way of renewal of or replacement for any amount deposited/ to be deposited with the Bank or
otherwise, together with, in each case, all and any interest from time to time accruing in respect thereof (all such fixed
deposits with all such amounts and interest, collectively “FD”). The aforesaid lien over FD shall be the continuing security
for the FD Linked Card issued/ to be issued by the Bank to the Cardmember. The Cardmember hereby irrevocably and
unconditionally authorizes the Bank to renew, roll-over, re-book or book as new or multiple fixed deposits for such tenure
as the Bank may deem fit, as also to liquidate the FD at the Bank’s sole discretion, any time, without requirement of any
prior notice to or consent of the Cardmember and appropriate the proceeds towards outstanding dues of the FD Linked
Card, along with all interest, fees, commissions, charges, expenses and all other costs (at the rates decided by the Bank,
from time to time), whatsoever due or which may become due and payable under the FD Linked Card to the Bank. The
Cardmember hereby undertakes that the Cardmember shall not take any actions for which he/she has authorized the Bank
as above, unless specifically required by the Bank. The Cardmember hereby acknowledges and agrees that the Bank shall
not be held responsible for the loss, charges or costs, if any, to the Cardmember arising due to such withdrawal/ liquidation
of the FD (whether premature or otherwise). The Cardmember hereby agrees and acknowledges that the Bank shall have
the right to increase or decrease the credit limit of the FD Linked Card at its sole discretion and the Cardmember agrees
to plan any expenses accordingly and the Cardmember agrees to not hold the Bank responsible for any losses incurred
pursuant to such change in the credit limit. The lien shall not affect or limit Bank’s any other rights, remedies or security,
if any, and the Bank shall be entitled to proceed against the Cardmember including the recovery of any of its dues, at any
time before or after the exercise of rights in relation to the lien. For avoidance of doubt, it is hereby clarified that even in
the event of shortfall post withdrawal/ liquidation of the FD by the Bank (whether premature or otherwise) or in the event
of any garnishee or seizure notice or attachment or similar action by any other person or authority in relation to the FD,
the Bank shall be entitled to proceed against the Cardmember to recover the outstanding dues of the Bank (in case of
withdrawal/ liquidation, if any, to the extent not recovered). This clause is a pre-requisite for issuance of FD Linked
Card,and it will become effective and applicable only in the event of issuance of FD Linked Card by the Bank.

CREDIT REFERENCING BUREAU CROSS DEFAULT

The Cardmember expressly accepts that if the Cardmember fails to pay any monies when due or which may be declared
due prior to the date when it would otherwise have become due or commits any other default under any agreement
(including this agreement) with HDFC Bank under which the Cardmember is enjoying any financial/credit/other facility,
then in such event HDFC Bank shall, without prejudice to any of its specific rights under each of the agreements, be
absolutely entitled to exercise all or any of its rights under any of the Cardmember's agreements (including this agreement)
with HDFC Bank, at the sole discretion of HDFC Bank.
The Bank will preserve secrecy of details of transactions to the extent required by law. The Cardmember agrees,
acknowledges and authorises that information on usage of credit facilities by customer(s) is/are exchanged across Banks,
credit bureaus and financial institutions. An application for a Credit Card is subject to receipt of no adverse reports of
Cardmember's creditworthiness from a bureau and/or any Bank/Financial Institution, where the Cardmember or his/her
associates/family members avail of/have availed of a credit facility.
Similarly, the Bank reserves at its sole discretion with no liability and with no reference to the Cardmember, the right to
cancel his/her Credit Card at any point during the period of validity of his/her Credit Card, on receipt of adverse information
regarding the creditworthiness of the Cardmember (or his/her associates/family members) from any Bank/Financial
Institutions/Bureau. As per laws governing confidentiality of sources, HDFC Bank is not liable to disclose the name of the
Bank/Financial Institution/Bureau intimating this adverse information. On receipt of such information, the Cardmember's
Card Account will be immediately cancelled and his/her entire outstanding balance (as well as any further charges not yet
billed to his/her Card Account) will be demanded and will have to be paid immediately.
If the Cardmember's Card Account were cancelled due to breach of any of the Terms and Conditions of Use, the 'irregular
conduct' of the Cardmember's credit facility would similarly be reported to other Banks/Financial Institutions/Bureau.
BREACH OF CONDITION
If the Cardmember is in breach of any of the Terms and Conditions of Use, or if the Bank comes to the belief on reasonable
grounds that the Cardmember induced the Bank to enter into the agreement governing the operation of his/her Card
Account by any fraudulent misrepresentation, the outstanding balance on the Cardmember's Card Account shall, at the
option of the Bank, become immediately due and payable to the Bank. In case of any breach of the Terms and Conditions
of Use, the Bank reserves the right at the Cardmember's costs and consequences to also proceed under the appropriate
laws of India.

15
The Cardmember undertakes to return or arrange for the return of his/her card and any Add-on Card(s) duly cancelled,
immediately upon being notified that the outstanding balance on his Card Account has become due and payable as
aforesaid.
The Bank may at any time without prior notice suspend and/or cancel, the Cardmember's Card(s) if any of the Terms and
Conditions are breached. Reward Points or any other benefits accumulated on cancelled/suspended Cards will be
forfeited. The Cardmember agrees to pay the Bank the amount incurred or expended by the Bank in exercising its rights
under these Terms and Conditions arising from any default/breach by the Cardmember. Upon payment to the Bank, in
accordance with this Condition, of all amounts owing on the Cardmember's Card Account, the agreement governing the
operation of his/her Card Account will thereby be terminated without the need for any further notice.
The Retail/Consumer Cardmember shall ensure that the Credit Card issued shall be used for personal expenses and
purposes only. The retail/consumer cardmember shall not use the Credit Card to purchase anything for resale, for
commercial or business-related purposes in any manner, whatsoever. The Credit Card should be used only for lawful, bona
fide personal purposes and must not be used for any money laundering, anti-social, illegal or speculative activities or must
not be exploited commercially in business.
If the Credit Card is found to be used for prohibited, restricted, commercial purposes or any purposes as mentioned above,
the Bank may, at its sole discretion, exercise its right to terminate or cancel or suspend the Credit Card and
additional/addon cards thereof and withhold/cancel the Reward Points, if any, without any notice to the Cardmember.
EXCLUSION OF LIABILITY
Without prejudice to the foregoing, the Bank shall be under no liability whatsoever to the Applicant in respect of any
loss/damage arising directly/indirectly out of (a) any defect in any goods or services supplied (b) the refusal of any person
to honour or accept a card (c) the malfunction of any computer terminal (d) the giving of Transaction Instruction other
than by a Cardmember (e) any Statement made by any person requesting the return of the card or any act performed by
any person in conjunction (f) handing over of the card by the Cardmember to anybody other than designated employees
of the Bank at the Bank's premises (g) The exercise by the Bank of its right to demand and procure the surrender of the
card prior to the expiry date exposed on its face, whether such demand and surrender made and/or procured by the Bank
or by any Person or Computer terminal (h) the exercise by the Bank of its right to terminate any card or the Card Account
or (i) any injury to the credit character and reputation of the Applicant alleged to have been caused by the repossession
of the card and/or, any request for its return or refusal of any service establishment/mail order establishment/Internet
Merchant Establishment to honour or accept the card (j) any mis-statement, mis-representation, error or omission in any
details disclosed by the Bank (k) decline of a charge because of exceeding Foreign Exchange entitlements as prescribed by
RBI guidelines issued from time to time, or the Bank becoming aware of the Cardmember exceeding his entitlements. In
the event a demand or claim for settlement of outstanding dues from the Cardmember is made either by the Bank or any
person acting on behalf of the Bank, the Cardmember agrees and acknowledges that such demand or claim shall not
amount to be an act of defamation or an act prejudicial to or reflecting upon the character of the Cardmember, in any
manner.
GOVERNING LAW, JURISDICTION AND ARBITRATION
The Bank accepts no liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than
the laws of India. The mere fact that the Credit Card can be accessed by a Cardmember in a country other than India shall
not be interpreted to imply that the laws of the said country govern these Terms and Conditions of the Cardmember
Agreement and/or the operations in the Card Account(s) of the Cardmember and/or the use of the Credit Card. This
Cardmember Agreement shall be construed in accordance with the laws of India. Subject to the following paragraph, the
parties hereto expressly agree that all disputes arising out of and /or relating to this Cardmember Agreement including
any related documents shall be subject to the exclusive jurisdiction of the Courts/Tribunals within whose jurisdiction the
regional processing center of the bank is situated. Provided that to the extent allowed by law, the Bank shall be entitled
to take proceedings relating to a dispute in any Courts/Tribunals of any other place which has jurisdiction.
Any dispute under or arising out of anything under this Cardmember Agreement shall be referred to arbitration in
accordance with the provisions of the Arbitration and Conciliation Act, 1996 as may be amended, or its reenactment, by a
sole arbitrator, appointed by the Bank. The arbitration proceedings shall be conducted in English language. The award
passed by the arbitrator shall be final and binding on the parties. The cost of such arbitration shall be borne by the losing
party or otherwise as determined in the arbitration award. The venue of arbitration shall be at Mumbai or such other place
as may be determined by the Bank. If a party is required to enforce an arbitral award by legal action of any kind, the party
against whom such legal action is taken shall pay all reasonable costs and expenses and attorneys fees, including any cost
of additional litigation or arbitration taken by the party seeking to enforce the award. Provided that nothing contained
herein shall be construed as extinguishing, limiting or ousting the rights and remedies of the Bank, if available now or in
the future as against the Cardmember, if any and/or any other persons, or any of their respective assets, under the
Recovery of Debts Due to Banks and Financial Institutions Act, 1993 and/or the Insolvency and Bankruptcy Code, 2016, as
may be amended, or its re-enactment and the Bank shall stand absolutely entitled to exercise such rights/remedies
thereunder irrespective of the initiation, pendency, or continuation of any other arbitral or other proceedings. This clause
shall survive termination of the Cardmember Agreement.
CHEQUE DROP BOX FACILITY
The Bank has introduced or may introduce from time to time Off-site Cheque Drop Boxes (Details of which will be
specifically communicated) in addition to the Cheque Drop Boxes at the Branches, for the convenience of customers. The
Bank will be responsible for the cheques only upon receipt of the same at its premises.
The Bank will not be responsible and/or liable for loss and/or damage and/or delay and/or destruction of cheques dropped
in the cheque drop boxes if these boxes are damaged/destroyed/tampered with as a result of any act of God, riot, civil
commotion, war, sabotage etc. The cheque drop boxes shall not be used for dropping cash and/or post-dated cheques.
The Bank will not be responsible for such post-dated cheques and/or cash deposited.

16
TELE BANKING
The Cardmember accepts that the Bank directly or through its appointed representatives has agreed to provide him the
facility of getting information and carrying out transactions by giving telephonic instructions (which will be accepted by
the Bank either manually or by an automated system) apart from any written Standing Instructions now given or that may
hereafter be given. The Cardmember is aware that in connection with such telephonic facility, he/she is required to provide
to the Bank or its appointed representatives over the telephone, details pertaining to him or his Card Account towards
performing reasonable checks as considered appropriate by the Bank before the Bank executes his instructions for his
convenience.
This telephonic facility shall cover and be applicable to all HDFC Bank Credit Cards of the Cardmember now existing or
which may hereafter be opened by him. The Member unconditionally agrees that (I) he/ she shall not hold the Bank liable
on account of the Bank acting in good faith on such instructions; (ii) in following such instructions, the Bank will be doing
so on a best effort basis and he/she will not hold the Bank liable on account of delay or inability on the part of the Bank to
act immediately or at all on any of his instructions; (iii) the Bank may in its discretion charge for or withdraw or suspend
the facility wholly or in part at any time; (iv) the Bank may in its discretion decide not to carry out any such instructions
where the Bank has reason to believe (which decision of the Bank the Cardmember shall not question or dispute) that the
instructions are not genuine or are otherwise improper or unclear or raise a doubt; (v) the Bank may at its discretion tape
or record such instructions and may rely on transcripts of such telephonic instructions as evidence in any proceedings; (vi)
at the Cardmember's request the Bank may send to the Cardmember, financial information (sought for by the
Cardmember) regarding the Cardmember's account(s) which may be of a private and confidential nature and the
Cardmember shall not hold the Bank liable in any manner should such information come to the knowledge of any third
party.
In case there is a discrepancy in the particulars or details of any transaction carried out by the Bank in any of the
Cardmember's Accounts, he/she shall be obliged to intimate the relevant discrepancy in writing to the Bank within 30 days
from the Statement in which the transaction was billed failing which the transaction shall be deemed to be correct and
accepted by the Cardmember. In consideration of the Bank providing the Cardmember the said facility, the Cardmember
agrees to indemnify and hereby keep the Bank indemnified from and against all actions, claims, demands, proceedings,
losses, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put
to as a consequence of or by reason of or arising out of providing the Cardmember the said facility or by reason of the
Bank in good faith taking or refusing to take or omitting to take action on the Cardmember's instructions.
The Cardmember agrees that all conditions of the above indemnity will hold good, when the Bank executes his instructions
for his convenience and that the Bank may, at its sole discretion, perform such other reasonable checks as it considers
appropriate prior to such execution.
The Bank reserves the right to add/modify/delete any of the features/offerings on the tele-banking facility from time to
time and the Cardmember expressly agrees to the changes in the service delivery resulting thereof. MASTER PRIVILEGES
PROGRAMME AND GLOBAL ASSISTANCE SERVICES
The communication and arrangements for services of the Privileges Programme (including the concierge services) and the
emergency assistance programme are provided by third party service providers and are paid for by MASTER International
as the case may be. The Cardmember is responsible for the cost of any and all medical, legal or other services used.
Assistance is provided on best-effort-basis and may not be available due to problems of time, distance or locations. The
Cardmember will be billed for the emergency services used as per the prevailing tariffs or as amended by the Bank/MASTER
International/Third Party Service Providers from time to time. The medical and/or legal professionals designated by
MASTER International's third party service providers are not employees of MASTER International's third party service
providers or employees or contractors of MASTER International and, therefore they are not responsible for the availability,
use, acts, omissions or results of any medical, legal or transportation service. HDFC Bank does not accept any responsibility
for the arrangement or use of such services provided.
VISA PRIVILEGES PROGRAMME & GLOBAL ASSISTANCE SERVICES
The Communication and arrangements for services of the Privileges Programme (including the concierge services) and the
emergency assistance programme are provided by third party service providers and are paid for by VISA International as
the case may be. The Cardmember is responsible for the cost of any and all medical, legal or other services used. Assistance
is provided on best-effort-basis and may not be available due to problems of time, distance or locations. The Cardmember
will be billed for the emergency services used as per the prevailing tariffs or as amended by the Bank/VISA
International/Third Party Service Providers from time to time. The medical and/or legal professionals designated by VISA
International's third party service providers are not employee of VISA International's third party service providers or
employees or contractors of VISA International and, therefore they are not responsible forthe availability, use, acts,
omissions or results of any medical, legal or transportation service. HDFC Bank does not accept any responsibility fort he
arrangement or Use of such services provided.
PRIORITY PASS
The Priority Pass membership is offered through Priority Pass Limited Honk Kong to select HDFC Bank Credit Card
Cardmember's if it is part of the product feature. All applicable charges shall be debited by HDFC Bank to Cardmember's
Card Account. The Priority Pass Card is not transferable and is valid until the expiry date mentioned on the Card. It cannot
be used by anyone other than the Primary Cardholder. The Priority Pass Card is not a Payment Card or a proof of credit
worthiness of the Cardholder and attempts to use the same is treated as constitution fraud. Admittance to lounges is
conditional upon presentation of a valid Priority Pass Card only and the HDFC Bank Credit Card would not be accepted on
behalf of the Priority Pass Card. On presenting the Priority Pass Card in the lounges, an imprint / electronic swipe of the
Card would be done to take the time of visit for the Cardmember and the accompanying guests. All participating lounges
are owned by the thir d party operators. The Cardholder needs to abide by the rules and regulations of the visited lounge.
HDFC Bank or Priority Pass are not responsible for the nonavailability or loss arising due to non-availability of lounge or
associated services. HDFC Bank does not, by the issue of the Card ensure availability of lounge access to customer. The
lounge access is subject to the terms and conditions of PriorityPass and can be changed from time to time. HDFC Bank
reserves the right to withdraw the feature at any time with due notice to the Cardmember. Accompanying children are
subject to full guest fees unless otherwise stated in the lounge listing. Participating lounges may reserve the right to fix a
maximum stay policy to avoid overcrowding. The following is in total discretion of the lounge operator. Participating
17
lounges are not obligated to announce flights, neither HDFC Bank Ltd. or Priority Pass group of companies shall be held
responsible for direct and indirect loss arising through the Cardmember or their guests failing to board the aircraft on time.
The provision of free alcoholic drinks is at the discretion of each lounge operator and in some cases may be limited. In such
cases the Cardmember is liable to pay for all additional consumption. Admittance to lounges are subject to the
Cardmember holding a valid ticket of travel on the same day in an airline flying out of the airport in which the lounge is
present. Admittance into lounges is subject to members and guests behaving and dressing in an orderly and correct
manner. Any infant who causes upset to other users may be asked to vacate the lounge facility. HDFC Bank or
PriorityPassare not responsible for any loss due to the mentioned act made either by the Primary Cardholder or the guest.
Lost.stolen and damaged PriorityPass plastics need to be intimated to HDFC Bank for a fresh Card to be issued. In the event
of the Cardholder cancelling or not renewing his / her Card Account the PriorityPass membership ceases to exist for the
Cardholder. No further benefits regarding the same would be supported through HDFC Bank any further. HDFC Bank Ltd.
or Priority Pass Ltd. would not be responsible for any disputes arising between the Cardholder and / or the guest with the
third party lounge operator. HDFC Bank reserves the right to withdraw the feature at any given point of time with due
notice. The Cardholder indemnifies that he / she would defend and indemnify HDFC Bank Ltd. and Priority Pass or any
individual associated with the two companies against and hold each indemnified party harmless from all liabilities,
damages, losses, claim, suits, judgments, costs and e xpenses (including attorney's fees) for injury to or death of any person
or damage or destruction of any property arising out of the use of any lounge by the Cardholder and / or his guests or any
person in the said lounge at the behest of the Cardholder, except that such indemnification shall not extend to acts of
gross negligence or willful misconduct by the indemnified parties.
Any accompanying guests shall be charged at the prevailing retail lounge visit rates, which is currently US$ 27.00 and which
may be changed by Priority Pass Limited from time to time.
INSURANCE BENEFITS
In the event that individual insurance cover is provided as part of product feature, the cardmember specifically
acknolowdges that HDFC Bank will not be liable in any manner whatsoever by virtue of the insurance cover provided by
the insurance company with whom it has tied up for the purpose of providing such cover and, that the insurance company
will be solely liable, in case of death of a Cardmember and shall not hold the Bank responsible for any matter arising out
of, or in connection with such insurance cover, whether for 'or' in respect of any deficiency or defect in such insurance
cover recovery or payment of compensation, processing or settlement of claims or otherwise howsoever and all such
matters shall be addressed to and resolved directly with the insurance company. The Cardmember acknowledges that on
issuance of the Card, only the 'Lost Card Liability' insurance cover would be made available and that all the other
comprehensive insurance covers if part of product feature / benefit will be available only upon activation of the HDFC Bank
Credit Card. Activation in this context means 'First usage at the retail Merchant Establishments or first cash withdrawal
from ATMs'. The Cardmember further acknowledges that the insurance cover so provided will be available as per the terms
of the relevant insurance policy in force, and only so long as the Cardmember is and remains a Cardmember of HDFC Bank
with his Card Account being maintained in good standing (as determined by the Bank from time to time).
On the card membership being withdrawn (whether temporarily or permanently) for whatever reason, the benefit of such
insurance cover shall automatically and ipso facto cease to be available from such date of suspension/cancellation of
membership. Further the Cardmember also agrees that even during the continuation of his Membership, HDFC Bank may
at any time (in their sole discretion and with due notice thereof to the Cardmember) suspend, withdraw or cancel the
benefit of such insurance cover, and there will be no binding obligation on HDFC Bank to continue the benefit. Only primary
Cardmembers are covered under the insurance benefit scheme. When a Cardmember holds multiple Credit Cards, the
maximum overall limit is restricted as per the specific Terms and Conditions of the insurance company with whom the
Bank has a tie up. All schemes are made available to the Cardmembers by insurance company with whom the Bank has a
tie up. The Bank reserves the right to change/alter/modify with due notice to the Cardmember, the insurance
company/Scheme in part/full. Cardmember will always keep the Bank indemnified and harmless from all actions, losses,
costs, charges, proceedings, etc., which the Cardmember might suffer due to any act or forbearance on the part of the
insurance company in contravention of any laws, rules, guidelines or any other acts or deeds of insurance company.
Cardmember agrees that the Bank is not responsible or privy to the services offered by the insurance company and the
Bank also does not guarantee any representation for quality of service rendered by the insurance company.
Cardmember agrees to indemnify the Bank from all disputes or differences that may arise so far as the services rendered
by the insurance company to the Cardmember are concerned and shall not hold the Bank liable for any compensation or
litigation that may ensue in the event of any dispute, shortfall or deficiency in the services so rendered. The Terms and
Conditions of this insurance scheme may change from time to time, with due notice and details can be obtained directly
from the insurance company. The information provided in this document is only indicative and does not purport to be
comprehensive. The exception clause details and Terms and Conditions may kindly be obtained by the Cardmember from
the insurance company directly. Specific Terms and Conditions of the relevant insurance policy would be made available
by the insurance company on specific request. INSTALMENT SCHEMES
This scheme as and when introduced, refers to a scheme made available by the Bank to the Cardmembers to enable
instalment purchases to be paid wholly or partly by instalments subject to the Terms and Conditions of the scheme detailed
in the promotion. Additionally the Cardmember will be governed by the rules and regulations of the Cardmember
Agreement.
HDFC Bank will not be liable to the Cardmember for quality, price, or value of goods or any defects in such goods and
services charged on the Credit Card.
DISCOUNT SCHEMES
Discount offers by the Bank are governed by the Terms and Conditions of the specific promotion offer.
Cardmembers are not bound in any way to participate in such programmes. Any such participation is voluntary and the
offer is made on a 'best-effort-basis'. HDFC Bank is neither responsible nor guarantees the quality of goods/services at the
participating establishments, nor is liable for any defect or deficiency or shortcoming or facilitating process of the
goods/services so obtained/availed or redeemed by HDFC Bank Credit Cardmembers at the participating establishments.

18
All participating establishments are independently liable/responsible for the quality of goods/services or otherwise
provided by them under this programme. HDFC Bank shall not be liable in any manner whatsoever for any
loss/damage/claim that may arise out of use or otherwise of any goods or services availed by the HDFC Bank Cardmembers.
HDFC Bank reserves the absolute right to withdraw and/or alter any of the Terms and Conditions of such programmes at
any time. TRAVEL RELATED SERVICES
As a Cardmember of the Bank, you may avail of the exclusive travel related services with the travel
agency/hotels/restaurants/business lounges nominated by the Bank from time to time.
However the Bank reserves the right to cancel/alter/withdraw the facility to the Cardmember(s) with due intimation to
the Cardmember through the Bank's website and by other acceptable modes of communication.
The Bank does not make any representation and/or warranty of any nature whatsoever on the quality of services rendered
by the service providers and shall not be responsible and/or liable in respect of the same in whatsoever manner. Any
issue/disputes that the Cardmember may have with the service provider about the services offered/provided must be
taken up directly with the service provider only. The Cardmember agrees to absolve the Bank of any related disputes
unconditionally.
SCHEDULE OF CHARGES
The charges mentioned are valid as of the date of printing. They are subject to change from time to time at the Bank's
discretion with due intimation to the Cardmember through the Bank's website and by other acceptable modes of
communication.
BILLPAY
The Cardmember may use the Credit Card to get drafts for payments towards utility bills of companies such as Electricity,
Telephones and/or any other Company and entity as may be permitted by the Bank from time to time.
The same is presently available up to a maximum of the available Cash Limit and thereafter as determined by the Bank
from time to time. The minimum draft value and Delivery or other Charges will be as specified by the Bank. The transaction
will be treated as a Cash Advance. The Cardmember must notify the Bank immediately in the event of a draft being stolen
or lost. The Bank will not be liable for misuse of the lost/stolen draft. The Cardmember is required to complete an
Indemnity Form available at the Cards Division for such re-issue request. At the Bank's discretion a fresh draft will be issued
or the existing draft will be cancelled as per the Cardmember's express written instruction.
The Cardmember agrees to provide correct identification details as registered with the billing company. The Cardmember
agrees to indemnify the Bank from any liability due to erroneous information in this regard. The Cardmember further
agrees and accepts responsibility to intimate the Bank regarding any changes in his identification details. The Cardmember
agrees that the record of instructions given and transactions with the Bank shall be conclusive proof and binding for all
purposes and can be used as evidence in any proceedings.
The Cardmember agrees that all transactions other than those executed instantaneously by the Bank, that is those
requiring processing by the Bank, will be carried out only during business hours and the value dates, if any, will follow the
operating hours/days decided by the Bank. The Cardmember agrees that the Bank is at liberty to withdraw at any time,
this facility, or any services provided thereunder, in respect of any or all the accounts without assigning any reason
whatsoever and with due intimation to the Cardmember through the Bank's website and by other acceptable modes of
communication.
DEFINITION OF TERMS ASSOCIATED WITH THE REWARDS PROGRAMME
The Bank reserves the right to vary any of the Terms and Conditions of Use stated below from time to time with due
intimation to the Cardmember through the Bank's website and by other acceptable modes of communication. 'Rewards
Programme' means the programme offered by the Bank under which its Cardmembers will be allowed to accumulate
Reward Points for purchases (goods and services) made at Merchant Establishments by using the card and/or any other
card usage deemed eligible by the Bank. The Cardmember may be allowed to redeem the Reward Points so accumulated
against products and/or discounts and/or services offered bythe Bankfrom time to time.
'Loyalty Programmes' mean the programmes conducted by a strategic partner of the Bank under which Cardmembers will
be allowed to transfer Reward Points to these Loyalty Programmes (as and when made available) as per the Terms and
Conditions in the Rewards Programme from time to time. The details of the Reward Points that can be transferred will be
updated in the Rewards Catalogue from time to time.
'Reward Points List' means the list published by the Bank from time to time, of the number of Reward Points required to
claim a product(s) or service(s) in accordance with the Rewards Programme's Terms and Conditions.
'Reward Points' or 'Points' means units added to or subtracted from a Reward Points records in the Bank's books in
accordance with the Rewards Programme's Terms and Conditions.
'Reward Points Record' means a record maintained by the Bank in relation to a Card Account for the purpose oftracking
accumulated Reward Points and for determining when the Cardmember becomes entitled to claim an item from the
Rewards Catalogue.
'Rewards Service Centre' or 'Rewards Redemption Centre' means the centre designated to handle queries on Reward
Points/redemption of Reward Points and/or all rewards related queries on the Rewards Programme and/or handle
dispatch of items and Reward Certificates.
'Rewards Catalogue' hereinafter referred to as the Catalogue, means the catalogue published from time to time by the
Bank, of merchandise available for redemption that may be claimed by the Cardmember in accordance with the Rewards
Programme's Terms and Conditions and any Terms and Conditions in the Catalogue.
'Reward Certificates' means a specific Redemption Voucher issued under the Rewards Programme by the Bank to a
Cardmember when a request is made by the Cardmember for a redemption of Reward Points against products and/or
discounts and/or services.

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REWARDS PROGRAMME
Reward Points accrued will reflect in the Statement as a message and will reflect as 'Reward Points Summary'.
The following will reflect under the Reward Points Status:
* Opening Balance
* Earned
* Adjusted
* Closing Balance
'Closing Balance' means Reward Points that can be redeemed by the Cardmember for merchandise (goods/services) from
the Rewards Catalogue or for Rewards Certificate. Reward Points will become available for redemption only when the
Reward Points reflect in your Statement of Account in the 'Closing Balance' field. Minimum number of Reward Points that
can be redeemed are 500 Reward Points or as per product feature mentioned on Bank website. HDFC Bank reserves the
right to amend the minimum number of Reward Points required for redemption from time to time with due intimation to
the Cardmember through the Bank's website and by other acceptable modes of communication.
'Reward Points earned this month' means Reward Points that have accrued on the transactions appearing on the
Cardmember's Statement of Account.
REWARDS Terms and Conditions
Rewards Programme is voluntary and it is understood that all charges are voluntarily incurred by the Cardmember in the
normal course of card usage. Further nothing contained herein will prejudice or affect the Terms and Conditions of
Cardmember Agreement. The terms in this Rewards Programme will be in addition to and not in derogation of the terms
contained in the Cardmember Agreement.
Rewards Programme is a feature made available by the Bank and the Bank expressly reserves the right, at any time, to add
to and/or alter, modify, change or vary all or any of the Terms and Conditions or to replace wholly or in part, this Rewards
Programme by another Rewards Programme, or withdraw it altogether, without assigning any reasons and with due
intimation to the Cardmember through the Bank's website and by other acceptable modes of communication, even though
the changes may affect Reward Points already accumulated. Cardmembers may be notified of changes to these Terms and
Conditions in such manner as determined by the Bank from time to time.
Reward Points will also not accrue on transactions for Rent, Wallet Load, EMI, Fuel, Government (on Consumer Retail
cards) and Education (on Business Retail cards)
EARNING REWARD POINTS
1. Cardmembers may accumulate Reward Points for purchases (goods and services) made at Merchant Establishments
by using the card and/or any other card usage deemed eligible bythe Bank.
2. However, Reward Points will not accrue on Interest Charges, government taxes/charges, fees, Card Account
adjustments resulting from disputed transactions or otherwise, cash advances, quasi cash transactions, and any
transaction that is treated as a cash advance, such as transfers from other Financial Institution's Card Accounts, for
example Balance Transfer, Foreign Exchange, Traveller's Cheques, gambling chip purchases, utility bills and / or other
Prohibited transactions also as notified by the Bank from time to time. Reward Points will also not accrue on
transactions for Rent, Wallet Load, EMI, Fuel, Government (on Consumer Retail cards) and Education (on Business
Retail cards)
3. The Reward Points accrued may be accumulated by a Cardmember. Reward Points may also be added to the
Cardmember's Point Record for promotional and incentive programmes offered from time to time.
4. The number of Reward Points that may be provided from time to time for transactions will be specified in the latest
Rewards Catalogue or other communication from the Bank.
5. When the Cardmember obtains a refund or reimbursement for charges previously incurred (for example, for returned
merchandise or a cancelled transaction) a credit will be issued to the Card Account in the amount of reimbursement
granted. Such credits posted to the Card Account including but not limited to those arising from returned goods or
services or cancelled transactions, will reduce the Reward Points accrued to the Card Account referable to the
adjustments.
6. The Bank's computation of Reward Points shall be final, conclusive and binding on the Cardmember and will not be
liable to be disputed or questioned.
7. Reward Points have no monetary value, except in respect of the value assigned by the Bank, are not convertible and
can only be redeemed for items from the Rewards Catalogue. The obligation, if any, to provide Reward Points in
accordance with the Terms and Conditions, the Reward List and the Rewards Catalogue is of the Bank and the
Cardmember will have no recourse against any Merchant Establishments in respect of Reward Points recorded in the
Cardmember's Reward Points Record. There will be no refunds for Reward Points that are redeemed. Reward Points
may not be transferred or sold.
8. Reward Points will accrue monthly, based on the relevant Card Account billing cycle and use of the card or Card
Account in the previous month. The Bank expressly reserves the right at its discretion to at any time establish
additional means of accruing Reward Points, to delete any or all of the means currently recognised or to exclude
specific types of transactions from accumulation of Reward Points.
9. Reward Points will reflect as a message in the Card Statement. The message will indicate Reward Points earned in the
current month for the transactions that are specified in the Statement in the month, together with information on
Reward Points that are available to be redeemed. The Reward Points for redemption are Reward Points net of total
points earned and redeemed for the previous month and net of adjustments (corrections/reversals). Request for
missing Reward Points must be submitted promptly in writing to The Manager Customer Services, HDFC Bank Credit
Cards Division and be accompanied by a legible copy of the relevant sales receipts or Card Account Statements. The

20
 Bank will investigate all Reward Points queries but reserves the right to be the final arbiter in the event of any dispute.
The Bank further reserves the right to adjust Reward Points Records retrospectively in the event of incorrect crediting
or otherwise. The Card Statement will not carry the Reward Points message if the account is irregular or is not
conducted as per the Bank's Terms and Conditions.
10. The Bank reserves the right to cancel or suspend Reward Points relating to the Card Account if it is in arrears,
suspension or default or if the Card Account is or is reasonably suspected to be operated fraudulently. Reward Points
earned but not redeemed at the time of death of the Cardmember shall be forfeited.
11. The Bank will make reasonable attempts to transmit information on Reward Points on the monthly Card Statements,
notices and/or any other material relevant to the Cardmember to advise the Cardmember of various matters of
interest including changes to Terms and Conditions of the Rewards Programme. The Rewards Catalogue or the Reward
Points list of the Bank expressly disclaims any liability for failure to do so. The Bank will not be responsible for
Correspondence on the above to the Cardmember, lost or delayed in the mail. Any Card Statement or notice will be
deemed to have been given by the Bank if posted to the Cardmember's mailing address provided to the Bank. The
Cardmember is responsible for advising the Bank in writing of any change in address.
12. Subject to Clause 11 (mentioned above) the Cardmember's entitlement to redeem Reward Points is based on the
Reward Points message in the Card Statement in relation to a Card Account. The number of Reward Points required
to acquire Reward Points on various other Loyalty Programmes (as and when introduced) may vary from time to
time and the Bank reserves the sole right to change Reward Points allocated.
13. In the event a Card Account is closed, the Bank will notify the Cardmember of such closure and any allowable claim
for redemption of Reward Points must be made within 30 days of the date of closure. In the event the Rewards
Programme is terminated, the Bank will notify the Cardmember of such termination and any allowable claim for
redemption of Reward Points must be made within 90 days of the termination.
14. Items available for redemption of Reward Points can only be selected from the latest Rewards Catalogue published by
the Bank from time to time.
15. The Bank will not be liable for any delay or inability in the provision of any items from the Rewards Catalogue caused
by circumstances such as and including but not limited to strike or industrial disputes, acts of God, flood, weather,
aircraft non-serviceability or unavailability, war or civil disturbance.
16. The Bank gives no warranty (whether expressly or implied) whatsoever with respect to products/services (including
as to quality/suitability) acquired by the Cardmember under the Rewards Programme. REDEMPTION OF REWARD
POINTS
1. All questions or disputes regarding eligibility for Redemption or eligibility of Reward Points for accrual will be resolved
by the Bank at its discretion.
2. If a Card Account is in arrears, suspension, and default or suspected/proven fraudulent, redemption of Reward Points
will not be permissible.
3. Cardmember may choose to accrue further Reward Points towards a higher redemption value or multiple redemption
values; or make a claim for redemption, if sufficient Reward Points have been accumulated subject to the validity of
the programme.
4. Cardmember must accumulate at least 500 Reward Points or minimum number of points as per product feature
mentioned on Bank website to be eligible to make a claim for redemption of of Reward points. The Bank reserves the
right to change the minimum number of Reward Points without notice and without assigning reasons. The change, if
any, caused by redemption will reflect in the Statement of Account in the 'Closing Balance' field.
5. All the redemption requests of the Cardmember would attract a transaction fee or Rs. 99 (which may be amended by
the Bank from time to time)
6. Kindly allow 3-4 weeks time for delivery of items redeemed, subject to availability.
Cardmember can use any of the redemption options specified in the Rewards Catalogue from time to time.
HDFC Bank reserves the right to alter/modify/remove altogether any or all of the above with due intimation to the
Cardmember through the Bank's website and by other acceptable modes of communication.
MERCHANDISE FROM REWARDS CATALOGUE
After accumulating the required number of Reward Points, the Cardmember may, subject to the number of Reward Points,
subject to the time limits for using the Reward Points and any restrictions on the number of redemption options, request
for redemption of Reward Points in accordance with the latest Reward Points List and Rewards Catalogue Cardmember
should complete the rewards coupon and mail it to the specified address for redemption of the Reward Points. Subject to
the Terms and Conditions and any Terms and Conditions in the Rewards Catalogue, the Bank or its duly appointed agent
will forward the merchandise requested for to the Cardmember only after a request is made for redemption of Reward
Points and only to the Cardmember's mailing address in India as per the Bank's records. Merchandise will not be forwarded
to P.O. Box addresses. If the Cardmember does not receive the Merchandise ordered, he should inform the Rewards
Service Centre in writing at the earliest. Merchandise once ordered cannot be changed for some other Merchandise within
the Rewards Catalogue. Merchandise once ordered cannot be returned/exchanged unless the Merchandise is delivered
defective. Complaints regarding defective goods and any other queries must be made to the Rewards Service Centre in
writing. Complaints on defective Merchandise must be made within seven days of receipt of Merchandise. Complaints
received thereafter will not be entertained. Some Merchandise may be accompanied by warranty information from the
manufacturer. No merchandise/article/gift voucher will be taken back/replaced if returned to HDFC Bank or its
representative in a tampered/damaged condition.
All warranty claims must be directed to the manufacturer. If damage is evident from the condition to the packaging,
Cardmember should refuse the consignment and get a refusal note fr om the courier-company. The refusal notes should
be faxed/couriered to the Rewards Service Centre. All disputes relating to merchandise/services are to be taken up directly

21
with the manufacturers/suppliers thereof. All items in the Rewards Catalogue are subject to availability and substitutions
may be necessary. Special conditions may apply in relation to individual items.
REWARD POINTS ADJUSTMENTS/DEDUCTION
1. Reward Points used to redeem an item from the Rewards Catalogue will be deducted from the Cardmember's Reward
Points Record at the time the request is received by the Reward Service Centre and the adjustment will reflect in the
next month's Card Statement. All enquiries regarding Reward Points in the Card Statements must be made to the
Reward Service Centre within 90 days of the date of issue of the Card Statement.
Redemption requests must be made by the Primary Cardmember only. Add-on Cardmembers are not entitled to redeem
Reward Points. Cardmember cannot make redemption requests by pooling Reward Points on different Card Accounts.
Items once claimed, as Rewards cannot be returned for Points to a Reward Points Record or encashed. Transfer of
Reward Points to other Loyalty Programmes will be solely at the discretion of the Bank and subject to the Terms and
Conditions applicable to the respective Loyalty Programmes relating thereto from time to time.
2. Except as provided in any law which cannot be lawfully excluded or modified by agreement, the Bank makes no
warranties or representations either express or implied and the Bank disclaims any and all liabilities (including
consequential damages) with respect to type, quality, standard or fitness or suitability for any purpose of Rewards.
The Bank expressly disclaims any and all liabilities with respect to negligence and breach of terms implied by law
(including statute). The Bank does not accept an y liability with respect to death, injury or any consequential loss arising
from the supply of a Reward or from the loss, theft or destruction of a Reward. In the event that the Bank is liable for
breach of any item implied by law, the Bank limits that liability where they are entitled to do so to: Replacements or
repair of the merchandise or payment of the cost of replacing or repairing the merchandise and supplying the services
against or payment of the cost of having the services supplied again.
3. The Bank may at any time and in its discretion, and without prior notice to the Cardmember, withdraw, limit, modify,
cancel or increase the continued availability of any Reward or the number of Reward Point(s) required to obtain a
particular Reward. The Bank expressly reserves the right to limit the number of multiple redemption options of any
one type which a Cardmember may claim at any one time or from time to time.
4. The Bank would specify a time frame from time to time within which the Points accrued by the Cardmember may be
redeemed. Points not redeemed within such specified time limit would be lapsed and the Bank will not be responsible
for claim of gifts against such lapsed points.
5. Every effort would be made to ensure that the information provided in the Reward Points List, Card Statement and
Rewards Catalogue are current before claiming a Reward. However, the Bank expressly disclaims any responsibility for
any inaccuracy or misdescription. As the items offered in the Rewards Catalogue may change from time to time the
Cardmember should always contact the Reward Service Centre to ensure that their Reward Points List, Card Statement
and the Rewards Catalogue are current before claiming a Reward.
6. Any tax liability, stamp or other duty or other government charge where reporting is required in connection with or
on any benefit derived by the Cardmember from the use of a card by him or her or by an additional Cardmember
or receipt of a Reward is the Cardmember's sole responsibility.
SMARTPAY
The term 'SmartPay' shall mean Standing Instructions for Direct Debit authorisation of the Cardmember's HDFC Bank
International Credit Card Account towards billings by utility companies.
The term 'Utility Company' shall mean a company, organisation or entity that sends a Bill, statement or invoice, usually a
request for payment for a product or service.
HDFC Bank reserves the right to approve/reject the registration forms without assigning any reason whatsoever.
1. SmartPay application form should be filled by the primary Cardmember. The facility will be available only on the
designated Credit Card Account and no other account held with the Bank. HDFC Bank reserves the right to revoke/stop
this facility if the credit behaviour on the card is unsatisfactory.
2. The Cardmember agrees that he would fill up a new SmartPay application form when the Credit Card Account number,
address or any specific utility customer ID specified in the application form, is transferred or changed.
3. It will be the responsibility of the Cardmember to inform HDFC Bank in writing of any change or withdrawal of the
SmartPay facility thus availed. Such change or withdrawal will take 30 days to be effected. Failure of the Cardmember
to do the same and subsequent debits if any towards utility payments will constitute valid transactions and the
Cardmember will be liable to pay the same.
4. Certain Utilities/Service providers may specify the date on which Payment is to be made and notwithstanding any
instructions given by the Cardmember in this regard, HDFC Bank shall remit the payment any time before the Payment
Due Date specified by the Utilities/Service providers.
5. Without prejudice to the generality of the aforesaid processing of all the instructions is subject to the availability of
free, clear and available limits in the Cardmember's HDFC Bank Credit Card Account at the time of processing the
transaction.
In the event of Credit Limits not being wholly available, HDFC Bank shall not process the instructions and shall not make
Payments to the utility company.
6. Any disputes arising out of disconnection of the utility facility, penalty from government and late charges on instalment
dues arising due to change/revocation of the facility will be the sole responsibility of the Cardmember and the
Cardmember will not hold HDFC Bank responsible/liable for the same.
7. The Cardmember indemnifies HDFC Bank from and against all actions, suits, claims, liabilities and proceedings due to
or arising out of any or all disputes between the Cardmember and Utility companies or by reason of HDFC Bank acting
in good faith or refusing to take or omitting to act on the SmartPay facility.

22
8. HDFC Bank shall not be liable to the Cardmember for any loss or damage whatsoever or howsoever arising directly or
indirectly including without limitation due to delay or failure to give effect to the SmartPay facility.
9. HDFC Bank will endeavour to effect payments/carry-out Instructions received by it within the Payment Due Date to
each utility company. However, HDFC Bank does not warrant that Payment/ fulfilment of Instructions will not be
delayed for reasons beyond its control. As the Instructions would depend on various electronic technology used from
time to time, there could be delays in receipt of any Instructions by HDFC Bank from the Cardmember and by the
provider of Utilities/Services
10. HDFC Bank will not in any way be connected with the disputes between utility companies and the Cardmember.
11. This facility is available only for utility bills pertaining to residential uses. No commercial utility bills will be paid under
this scheme.
12. Signing of the SmartPay application form does not ensure automatic approval of this facility.
13. The SmartPay facility is in respect of the entire charges or to the extent of the limit set by the Cardmember on the
utility outstanding and the said instruction shall be valid and binding for the validity period and subsequent renewal
period of the Card Account unless and until rescinded by the Cardmember in writing to HDFC Bank. No receipt will be
given for bills paid through this facility, Cardmember statement is adequate proof that such payment was paid to utility
company.
14. HDFC Bank neither endorses the Utilities/Services offered, nor is it in any manner party to the contracts that may be
executed between the Cardmember and the providers of such Utilities/Services. The providers of Utilities/Services
shall be solely responsible to the Cardmember to render the Utilities/Services for which Payment is to be made by
HDFC Bank and HDFC Bank shall not be responsible/liable for any deficiency in the same including, but not limited to,
deficient quality, delivery, quantity etc. and shall not be made party to any disputes between the Cardmember and
any providers of Utilities/Services. The Cardmember shall not hold HDFC Bank liable for any non-service, delayed
service or faulty service rendered by the provider of Utilities/Servicesand shall not contact or communicate in any
manner whatsoever, inter alia, by electronic mail, phone, post, SMS or personal meeting with HDFC Bank in this regard.
15. HDFC Bank shall be entitled (without prejudice to any other right or remedy it may have) to charge the Cardmember
late payment interest at the applicable rate for delayed payment on all late payments from the date the charge was
required to be paid until the actual date of payment.
16. HDFC Bank may, in its sole discretion, accept any cancellation request by the Cardmember, provided that HDFC Bank
has not already made the utility payment for the month for which the cancellation request is made.
17. Nothing contained herein shall prejudice or affect the Terms and Conditions of the Cardmember Agreement.
The terms of this facility shall be in addition to and not in derogation of the terms contained in the Cardmember
Agreement.
18. Nothing contained in the SmartPay facility shall be construed as binding obligation on HDFC Bank or any participating
utility company to continue the facility after the facility termination date or substitute by a new or similar facility.
HDFC Bank reserves the right to revoke/stop this facility to any Cardmember with due intimation to the Cardmember
through the Bank's website and by other acceptable modes of communication, if the Bank believes that the continued
use of this facility is not in the interest of the Bank.
19. As and when other communication channels are introduced HDFC Bank may be entitled to rely upon all electronic
communications, orders or messages to HDFC Bank from the Cardmember whether received by email, SMS, on
telephone or otherwise in the manner prescribed for the same from time to time by HDFC Bank
and HDFC Bank shall not be obliged to verify or make further inquiry into the identity of the sender or the message
integrity, of any communications, orders or messages. The Cardmember shall in no circumstance dispute such reliance
by HDFC Bank.
20. All disputes arising out of the SmartPay facility shall be subject to the exclusive jurisdiction of competent courts in
Chennai.
21. The SmartPay nomination will be effective subject to HDFC Bank Credit Card being valid and in good standing.
22. HDFC Bank may at its sole discretion accept or decline the said SmartPay application form. The record of charges in
respect of the above services received or availed by me and submitted by utility companies to my Card Account will
neither bear my signature nor the imprint of my card. I therefore undertake to unconditionally honour and pay without
demur and contestation all the said charges including interim charges booked by me under this facility, as and when I
am billed for the same by HDFC Bank. This Recurring Transaction Instruction shall subsist during the validity period of
my card and subsequent renewals thereof.
23. I confirm that the latest self-attested bill copy of the utility service for which I would need to avail of the SmartPay
facility are attached along with this application format. I also confirm that the address on the bill matches with
residential address given for my Credit Card Account. I confirm that the utility bills enclosed are photocopies of the
original bills and that these utilities are used only for residential purposes.
24. I understand that HDFC Bank is not responsible or liable for any service and/or billing deficiencies or inadequacies of
utility companies as the case may be. Furthermore, I affirm that I am liable to honour all my Credit Card commitments
irrespective of any grievances/complaints I may have with utility companies.
25. I will continue making payments towards the above utility outstanding until I receive an SMS/email/letter confirmation
from HDFC Bank indicating that my SmartPay facility has been activated.
26. I agree to communicate termination of facility to HDFC Bank in writing failing which the payment made to the utility
company will be construed as valid and binding on me.
27. I agree to resolve disputes (if any) of whatsoever nature directly with the utility company and will not hold HDFC Bank
liable for any deficiency of services provided by the utility company.
HDFC Bank may change from time to time the utility companies for which SmartPay facility is extended.
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Goods & Services Tax (GST)
· The applicable GST would be dependent on place of provision (POP) and place of supply (POS),If POP and POS is in the
same state then applicable GST would be CGST and SGST/UTGST else, IGST.
· GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
· GST levied will not be reversed on Any dispute on Fee &Charges / interest.
CHANGES TO CARDMEMBER AGREEMENT
The Bank reserves the right to vary any of the above Terms and Conditions of the Cardmember Agreement from time to
time with due intimation to the customer. Changed Terms and Conditions shall be communicated through the Bank's
website and by other acceptable modes of communication.
“Floater Card Terms and Conditions
In the event the Cardmember already has one or more HDFC Bank Retail Credit Card ("Existing Card(s)”), and is issued a
new Credit Card with a credit limit that is combined/ shared with the Cardmember's Existing Card(s) (“Floater Card”), the
Existing Card(s) and the Floater Card shall be subject to the following terms:
(i) All the Existing Cards and the Floater Card of the Cardmember shall be assigned a combined/ shared credit
limit which shall be less than or equal to the credit limit of the Cardmember's Existing Card(s) ("Combined Credit Limit”);
(ii) The Floater Card that is issued to the Cardmember will be assigned the Combined Credit Limit, within 7
(seven) working days of issuance of the Floater Card; and
(iii) Upon the assignment of the Combined Credit Limit to all the Cardmember's Existing Card(s) as well as the
Cardmember's Floater Card, the Cardmember can use any of the said cards such that the combined usage on all the said
cards should not exceed the Combined Credit Limit.”
“Declaration
By applying for a Credit Card, the Cardmember declares that the Cardmember is not: (i) a director of a banking company;
(ii) a relative or near relation of a director of a banking company; and/or (iii) a relative or near relation to any senior officer
of the Bank. The Bank reserves the right to cancel the Credit Card issued to the Cardmember, in case, the aforesaid
declaration is found to be untrue and demand payment of all outstanding on the Credit Card immediately.”

Special Terms and Conditions for TATA Neu HDFC Bank Credit Card (“Co-branded Card”) issued in collaboration with
co-branding partner Tata Digital Private Limited and entity managing the rewards program ("TDPL” or “Tata Neu”):
1. The terms specified herein are in addition to the HDFC Bank Credit Card Cardmember Agreement ("CMA”)
and will form a part and parcel of the CMA. Further, the terms specified herein as amendment to the
specified clauses of the CMA will be read in place of the specified clauses in the CMA.
2. Capitalised terms used but not defined in these terms and conditions shall have the meaning ascribed to the
terms in the CMA.
3. In the event of any conflict in the provisions of the CMA, the Most Important Terms and Conditions and these
terms and conditions, the provisions of these terms and conditions shall prevail to the extent of such conflict.
4. The clause in the CMA on ‘DEFINITION OF TERMS ASSOCIATED WITH THE REWARDS PROGRAM’ stands
replaced as under

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“DEFINITION OF TERMS ASSOCIATED WITH THE TATA NEU LOYALTY PROGRAM FROM TATA NEU
The Bank reserves the right to vary any of the terms and conditions stated below from time to time with due
intimation to the Cardmember through the Bank's website and by other acceptable modes of
communication.
'TATA Neucoins' shall mean the rewards points awarded on or credited to the Co-branded Card in respect
of the Cardmember's Qualifying Expenditure that may be redeemed by the Cardmember at TATA Neu's
platforms as specified under the TATA Neu Loyalty Program
' TATA Neu Loyalty Program' shall mean the Rewards Points program of TATA Neu whereby Cardmembers will
be entitled to membership benefits, including by way of TATA Neucoins, as per terms and conditions of the
governing the program.
'Qualifying Expenditure' is defined as card usage for purchase (goods and services) made at Merchant
Establishments by using the card and/or any other usage deemed eligible by the Bank from time to time.”
5. The clause in the CMA on ‘REWARDS PROGRAM’ stands replaced as under:
“ACCRUAL OF TATA NEUCOINS
TATA Neucoins accrued through Qualifying Expenditure will reflect in the Statement as a message and will
reflect in ‘TATA Neucoins Summary’.
The following will reflect under the TATA Neucoins Summary:
Opening Balance
Earned this month
Adjusted/transferred to TATA Neucoins
Closing Balance
‘Transferred to TATA Neucoins’ means TATA Neucoins that have been transferred to the TATA Neu Loyalty
Program linked to Cardmember’s TATA Neu account.
‘Earned this month’ means TATA Neucoins that have been accrued on the transactions appearing on the
Cardmember’s Statement

TATA Neucoins Terms and Conditions:

1. All TATA Neucoins earned by the Cardmember on the Cobranded Card will be transferred to the
Cardmembers with TATA Neu Loyalty Program membership and shall be utilizable as TATA Neucoins in
accordance with and under the terms and conditions of the TATA Neu Loyalty Program and cannot be
utilised or redeemed in any other manner whatsoever.
2. The Cardmember hereby agrees and understands that the TATA Neu Loyalty Program can be accessed
through the TATA Neu's platform/ application. The Cardmember hereby further agrees and understands
that the Tata Neucoins can be redeemed by the Cardmember through the TATA Neu's platform/
application. In this regard, the Bank will share the Cardmember's details with TDPL for managing the
TATA Neu Loyalty Program, as per the consent provided by the Cardmember herein, and TDPL may
approach the Cardmember for downloading Tata Neu's platform/ application to facilitate the
redemption of the Tata Neucoins by the Cardmember. Further, please note that the Cardmember may
download the Tata Neu's platform/ application at its sole discretion, and the same is not mandatory for
the Cardmember and the Bank is not referring the said platform/ application to the Cardmember in any
manner.
3. HDFC Bank has no control over the TATA Neu Loyalty Programme and accordingly HDFC Bank shall not be
responsible or liable for any issues which may arise in utilization of the TATA Neucoins earned by the
Cardmember which have been transferred to the TATA Neu Loyalty Program through the Cobranded
Card except as laid down at clause 6 under Earning Tata NeuCoins. The terms and conditions of the TATA
Neu Loyalty Program are available on https://www.tataneu.com/about-neupass and for any queries
related to TATA Neu Loyalty Program, the Cardmember will have to reach out to TATA Neu channels as
available for the TATA Neu Loyalty Program.
4. The terms and conditions of TATA Neu Loyalty Program will be in addition to and not in derogation of the
terms contained in the CMA. In case of any conflict in relation to the TATA Neu Loyalty Program provided in
these terms and conditions or in the CMA and the terms and conditions of TATA Neu Loyalty Program,
the terms and conditions of the TATA Neu Loyalty Program shall prevail to the extent of such conflict.
5. The utilization of the TATA Neucoins by the Cardmember is voluntary. The utilization of the TATA
Neucoins may incur fees and charges, as prescribed by TDPL, from time to time.
6. TATA Neucoins is a feature made available by the Bank and TDPL and the Bank and TDPL expressly
reserve the right, at any time, to add to and/or alter, modify, change or vary all or any of these terms and
conditions or to replace wholly or in part, the TATA Neu Loyalty Program by another Program, or
withdraw it altogether, without assigning any reasons and with due intimation to the Cardmember
through the Bank's website and by other acceptable modes of communication, even though the
changes may affect TATA Neucoins already accumulated. Cardmembers may be notified of changes to
these terms and conditions in such manner as determined by the Bank from time to time.”
6. The clause in the CMA on 'EARNING REWARDS POINTS' stands replaced as under:
“EARNING TATA NEUCOINS
1. Cardmembers may accumulate TATA Neucoins for purchases (goods and services) made at Merchant
Establishments by using the Co-branded Card and/or any other card usage deemed eligible by the Bank.
 2. However, TATA Neucoins will not accrue on interest charges, government taxes/charges, fees, Card
Account adjustments resulting from disputed transactions or otherwise, cash advances, quasi cash
transactions, and any transaction that is treated as a cash advance, such as transfers from other
financial institution's card accounts, for example balance transfer, foreign exchange , traveller's cheques
and gambling chip purchases and/or as notified by the Bank from time to time. TATA Neucoins will also
not accrue on transactions for Rent, Wallet Load, EMI, Fuel, Government Categories.
3. The TATA Neucoins accrued may be accumulated by a Cardmember. TATA Neucoins may also be added to
the Cardmember's Point Record for promotional and incentive programs offered from time to time.
4. The number of TATA Neucoins that may be provided from time to time for transactions will be specified
on www.hdfcbank.com or other communication from the Bank or/and TATA Neu.
5. When the Cardmember obtains a refund or reimbursement for charges previously incurred (for
example, for returned merchandise or a cancelled transaction) a credit will be issued to the Card
Account in the amount of reimbursement granted. Such credits posted to the Card Account including
but not limited to those arising from returned goods or services or cancelled transactions, will reduce
the TATA Neucoins accrued to the Card Account referable to the adjustments.
6. The Bank's computation of TATA Neucoins shall be final, conclusive and binding on the Cardmember and
will not be liable to be disputed or questioned.
7. TATA Neucoins have no monetary value, are not convertible and will on a periodic basis be transferred to
the TATA Neu Loyalty Program membership linked to the Cardmember. There will be no refunds for TATA
Neucoins that are transferred to TATA Neu Loyalty Program. TATA Neucoins will be accrued based on the
relevant Card Account billing cycle and use of the card or Card Account in the previous month. The Bank
and/or TATA Neu expressly reserves the right at its discretion to at any time establish additional means of
accruing TATA Neucoins, to delete any or all of the means currently recognised or to exclude specific
types of transactions from accumulation of TATA Neucoins.
8. TATA Neucoins will reflect as a message in the Statement. The message will indicate the Tata Neucoins
earned in the current month for the transactions that are specified in the Statement in the month,
together with information on TATA Neucoins that are adjusted/ transferred to TATA Neu Loyalty
Program. The TATA Neucoins adjusted are TATA Neucoins net of total points earned and adjusted for the
previous month and net of (corrections/reversals). Request for missing TATA Neucoins must be
submitted promptly in writing to The Manager- Customer Services, HDFC Bank Credit Cards Division and
be accompanied by a legible copy of the relevant sales receipts or Card Account Statements. The Bank
and/or TATA Neu further reserves the right to adjust TATA Neucoins Records retrospectively in the event
of incorrect crediting or otherwise. The Statement will not carry the TATA Neucoins message if the
account is irregular or is not conducted as per the Bank's Terms and Conditions or/and TATA Neu Loyalty
Program's terms and conditions.
9. The Bank and/or TATA Neu reserves the right to cancel or suspend TATA Neucoins relating to the Card
Account if it is in arrears, suspension, or default or if the Card Account is or is reasonably suspected to be
operated fraudulently.
10. The Bank will make reasonable attempts to transmit information on TATA Neucoins on the monthly
Statements, notices and/or any other material relevant to the Cardmember to advise the Cardmember
of various matters of interest including changes to Terms and Conditions of the TATA Neucoins. The Bank
will not be responsible for correspondence on the above to the Cardmember, lost or delayed in the mail.
Any Statement or notice will be deemed to have been given by the Bank if posted to the Cardmember's
mailing address provided to the Bank. The Cardmember is responsible for advising the Bank in writing of
any change in address.
11. Any tax liability, stamp or other duty or other government charge where reporting is required in
connection with or on any benefit derived by the Cardmember from the use of a card by him or her or by
an additional Cardmember or receipt of is the Cardmember's sole responsibility.
12. The Cardmember hereby agrees that the Tata Neucoins earned/accrued on the Co-branded Card shall
be subject to changes from time to time including de-valuation of the Tata Neucoins, change in the
terms of accrual/ earning/ redemption of the Tata Neucoins, revisions in the period of lapse of the Tata
Neucoins, change in the limits for redemption of the Tata Neucoins including the limits on redemption
of Tata Neucoins in a single purchase and/or on the portion of the cost of a transaction that can be paid
using Tata Neucoins (and requirement of the balance to funded by the Cardmember), etc.. The
Customer agrees that such changes in the terms may also be for the points already earned/ accrued by
the Cardmember.”
7. The following clause shall be read as added to the CMA: “The Cardmember hereby agrees and confirms that
any grievance or query or complaints in relation to the redemption of Tata Neucoins on the TATA Neu
Loyalty Program and the processing/ usage/ storage of Information by TDPL shall be addressed to TDPL by
the Cardmember to the following contact details and in accordance with the following escalation
matrix: Escalation Matrix and Contact Information of TDPL: https://www.tataneu.com/legal
The Cardmember hereby agrees and confirms that any grievance, query, complaint or dispute that the
Cardmember may have where such grievance, query, complaint or dispute attributable to the TATA Neu
Loyalty Programme shall be raised to TDPL by the Cardmember and any grievance, query, complaint or
dispute in relation to all other aspects of the Co-Branded Card Program including in respect of accrual or
earning of Tata NeuCoins shall be raised to the Bank by the Cardmember”.
8. The following clause shall be read as added to the CMA:
“The Co-Branded Card shall at all times be subject to the Fair Usage Policy as may be prescribed by the Bank
from time to time.”
9. The following clause shall be read in addition to the clause on 'DISCLOSURE OF INFORMATION' in the CMA:
“(i) The Cardmember/ Applicant hereby expressly consents to and authorises the Bank (whether acting by
itself or through any of its service providers, and whether in automated manner or otherwise), to do and
undertake any of the following, in relation to: (i) his/her Co-branded Credit Card application details including
Credit Card type/ variant, (ii) personal data and sensitive personal data or information, (iii) information and
data relating to his/her service requests in relation to the Credit Card such as Credit Card blocking requests
and status thereof and/or responses thereto, (iv) details of queries/ complaints raised by the Cardmember/
Applicant, (v) rewards points earned on the Co-branded Credit Card, (vi) Credit Card usage, (vii) Credit Card
repayment related details, (viii) amounts due on Credit Card, (ix) Credit Card utilization information, (x)
defaults in repayment of the Credit Card, (xi) transaction data in relation to the Credit Card, (xii) purchase
information using the Credit Card, (xiii) details in relation to his/her spends using the Credit Card, (xiv) add on
card details, (xv) location of usage of the Credit Card, (xvi) details of contactless usage of the Credit Card, (xvii)
Credit Card benefits (xviii) Credit Card limit details, (xix) Credit Card activation and closure data, (xx) offers on
his/her Credit Card, (xxi) details of utilization of benefits available to the Cardmember on his/her Credit Card,
(xxii) utilization of rewards points on the Credit Card, (xxiii) details of decline in the Credit Card transactions
and reasons thereof, (xxiv) aggregate data of the Credit Card, (xxv) data in relation to spend behavior, (xxvi)
portfolio data in relation to the Credit Card, (xxvii) details of active/ inactive Credit Card, (xxviii) active users
on the Credit Card, (xxix) usage on merchant categories, (xxx) fee related data, (xxxi) lead management and
milestone benefits in relation to his/her Credit Card, and (xxxii) any other information whether about the
Cardmember/ Applicant or not as may be deemed relevant by the Bank for its purposes [collectively
(I) to (xxxii), “Information”]:
a) to collect the Information from the Applicant/ Cardmember and other physical or online sources such as
the Applicant's Credit Card application, as well as accessing the same from credit information
companies, information utilities, websites, data bases and online platforms (whether public or not);
b) to get the authenticity, correctness, adequacy, etc. of the Information verified from any sources and
persons including from online data bases; and to act for and on behalf of the Cardmember/ Applicant for
such accessing, collecting or verifying the Information;
c) process Information including by way of storing, structuring, organising, reproducing, copying, using,
profiling, etc. as may be deemed fit by the Bank;
d) to store the Information for such period as may be required for contract, by law or for the Bank's
evidential and claims purposes, whichever is longer;
e) to share and disclose the Information with the Bank's service providers, consultants, credit information
companies, information utilities, other banks and financial institutions, affiliates, subsidiaries,
regulators, investigating agencies, judicial, quasi-judicial and statutory authorities, or to other persons
as may be necessary in connection with the contractual or legal requirements or in the legitimate
interests of the Bank or as per this consent;
f) any of the aforesaid may be exercised by the Bank for the purposes mentioned above, for the purposes
of credit appraisal, fraud detection, anti-money laundering obligations, for entering into contract, for
marketing, for developing credit scoring models and business strategies, for monitoring, for evaluating
and improving the quality of services and products, for other legitimate purposes or for any purposes;
g) to collect, subject to applicable law and RBI circulars and guidelines, the applicable relevant Information
from TDPL, as the co-branded entity and the entity managing the rewards program, its affiliates and/or
group entities and/or the entities offering products/ services on the online platform/ app of TDPL
(collectively “Pla1orm”);
h) to share and disclose, subject to applicable law and RBI circulars and guidelines, the Information with
TDPL, as the co-branded entity and the entity managing the rewards program Partner, its affiliates
and/or group entities and/or the entities offering products/ services on the Platform; and
i) to share and disclose, subject to applicable law and RBI circulars and guidelines, the Information
collected from TDPL, as the co-branded entity and the entity managing the rewards program Partner,
and its affiliates and/or group entities and/or the entities offering products/ services on the Platform
with the Bank's service providers, credit information companies, information utilities, regulators,
investigating agencies, judicial, quasi-judicial and statutory authorities, or to other persons as may be
necessary in connection with the contractual or legal requirements or in the legitimate interests of the
Bank or as per this consent.
j) The Cardmember/Applicant expressly agrees to the automated processing, automated profiling and to
the automated decision making by or on behalf of the Bank.
k) The Cardmember/Applicant expressly provide his/her consent to the Bank and its representatives to
call the Cardmember/ Applicant on any contact information submitted to the Bank even in case the
Cardmember's/Applicant's application is dropped or incomplete.
l) The Cardmember/ Applicant expressly provides his/her consent to the Bank and its representatives to
use his/her contact information submitted to the Bank for communicating with him/her through SMS,
WhatsApp messages or any other medium
As of 06th Jan’2025

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