HDFC Bank Credit Card Schedule of Charges are being revised with effect from 1st Sep'20.

HDFC Bank Credit Card Schedule of Charges are being revised with effect from 1st Sep’20.


MOST IMPORTANT TERMS & CONDITIONS Version 1.67 The Most Important Terms and Conditions are to be read along with the Card Member Agreement of HDFC Bank Ltd for complete understanding. The MITC are subject to change. Refer www.hd...nk. com for details. Description of charges Interest free Period Up to 50 days Up to 50 days Minimum Repayment Amount 5% or minimum `200 5% or minimum `200 Spend condition for waiver of annual charges Excludes transactions below •Cash on Call •Balance Transfer •Cash Withdrawal Annual / Renewal Fee Superia Card Spend `75,000 in first year and get a waiver on next year’s annual membership fee Freedom Spend `60,000 in a year and get a waiver of next year’s annual membership fee. W.e.f 15 Feb’19, Spend Rs.50,000 annually and get the next year’s renewal fee waiver. Bharat / Business Freedom / Business Bharat CashBack / Bharat CashBack / IndianOil HDFC Bank Card Spend `20,000 in a year and get a waiver of next year’s annual membership fee. W.e.f 15 Feb’19, On Bharat Cashback and IndianOil HDFC Bank Card, spend Rs. 50,000 annually and get the next year’s renewal fee waiver. Small Business MoneyBack Spend `25,000 and get a waiver of next year’s annual membership fee Cash Advance Limit 40% of the Credit Limit 40% of the Credit Limit SCHEDULE OF CHARGES InterMiles HDFC Bank Diners Club, Infinia, Diners Black, Diners Privilege, HDFC Bank Emirates Skywards Diners Club, Regalia, Business Regalia, Doc- tor’s Regalia, Diners Club Premium, Diners ClubMiles, InterMiles World / Signature, AllMiles, Millennia, Doctors Superia, Superia, Regalia First, Busi- ness Reglia First, Bharat CashBack, Best price Save Max, IndianOil HDFC Bank Card, Freedom Card, Business Bharat CashBack, Business Freedom Card, 6E Rewards XL-IndiGo Card Best Price Save Max —`1,000 Regalia / Business Regalia / Doctor’s Regalia —`2,500 Diners Club Premium / Diners Privilege —`2,500 InterMiles HDFC Bank World / Signature – — `2,500 InterMiles HDFC Bank Diners Club — `5,000 Millennia/ Regalia First/ Business Regalia First/ Diners ClubMiles/AllMiles/ Doctors Superia / Superia — `1,000 HDFC Bank Emirates Skywards Diners Club — `5,000 Infinia — `10,000 Diners Black —`10,000 6E Rewards XL-IndiGo HDFC Bank —`2,500 Best Price Save Smart `500 Diners Club Rewardz `1,000 InterMiles HDFC Bank Platinum / Times Platinum Card `1,000 Solitaire / Platinum Edge / MoneyBack / Business MoneyBack / InterMiles Titanium & Select / Times Titanium Card / Easy EMI/ Teacher’s Platinum Card Business Platinum Bharat CashBack / Freedom Card /IndianOil HDFC Bank Card Business Bharat CashBack / Business Freedom Card Small Business Moneyback 6E Rewards-IndiGo HDFC Bank `500 500 250 ` ` ` ` 299 700 Diners Club Rewardz, Times Platinum Card, InterMiles Platinum, Solitaire, Platinum Edge, MoneyBack, Business MoneyBack, InterMiles Titanium / Select, Times Titanium Card, Teacher’s Platinum, Business Platinum, Easy EMI CreditCard, Small Business Moneyback, Best price Save Smart, 6E Rewards- IndiGo Card, Equitas Excite, Equitas


Spend condition for waiver of annual charges Excludes transactions below •Cash on Call •Balance Transfer •Cash Withdrawal Solitaire / Titanium Edge / Platinum Edge / MoneyBack / Business MoneyBack / Easy EMI / Best Price Save Smart Spend `50,000 in a year and get a waiver of next year’s annual membership fee Equitas Excite Equitas Elegance Best Price Save max Spend `75,000 in a year and get a waiver of next year’s annual membership fee Millennia /AllMiles / Doctor’s Superia/ Diners Club Rewards / Regalia First / Business Regalia First/ Diners ClubMiles Spend `1,00,000 in a year and get a waiver of next year’s annual membership fee Spend `1,00,000 in a year and get a waiver of next year’s annual membership fee Spend `2,50,000 in a year and get a waiver of next year’s annual membership fee Regalia/ Business Regalia / Doctor’s Regalia / Diners Club Premium / Diners Privilege Spend `3,00,000 in a year and get a waiver of next year’s annual membership fee InterMiles HDFC Bank Titanium & Select / Times Titanium Card Spend `1,50,000 in a year and get a waiver of next year’s annual membership fee InterMiles HDFC Bank Platinum / Times Platinum Card Spend `2,50,000 in a year and get a waiver of next year’s annual membership fee InterMiles HDFC Bank World / Signature Spend `3,00,000 in a year and get a waiver of next year’s annual membership fee Teacher’s Platinum / Business Platinum Spend `30,000 in a year and get a waiver of next year’s annual membership fee. year’s renewal fee waiver. Infinia / InterMiles Diners considered, Spend `8 Lakh in a year and get a waiver of next year annual membership fee. InterMiles Diners, Spends done after 15 Feb’19 will be for next renewal fee waiver. Diners Black Spend `5 Lakh in a year and get a waiver of next year annual membership fee Additional Card Fee Lifetime Free Charges on Revolving Credit Auto EMI conversion charges Applicable on all transactions (Excluding Fuel, Gold and Jewelry) of Rs 10,000/- or more done on Easy EMI Credit Card – EMI conversion will be done for a tenure of 9 months, at an ROI of 20%, and processing fee of Rs 99 Grace days Grace days of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue. The payment due date as mentioned on the credit card statement is the date by which clear funds must be credited to the credit card, however 3 grace days are provided to accommodate for processing time of payments. The Bank shall report a credit card account as ‘past due’ to credit information companies (CICs) and levy late payment charge, when a credit card account remains ‘past due’ for more than three days. The number of ‘days past due’ and late payment charges shall, however, be computed from the payment due date mentioned in the credit card statement. Cash Advance Charges (excluding Infinia) or ` 2.5% of amount withdrawn or `500 whichever is higher 2.5% of amount withdrawn 500 whichever is higher W.e.f 15 Feb’19, On Teachers Platinum Spend Rs.50,000 annually and get the next Regalia/ Business Regalia/ Regalia First/ Business Regalia First/ Doctors Regalia/ Diners Privilege/ Diners ClubMiles/ Millennia/ Millennia Easy EMI/ InterMiles Signa- ture/ InterMiles World/ Indigo 6E Rewards/ Indigo 6E XL/ MoneyBack/ Indian Oil Card/ Times Titanium/ Times Platinum/ Others – 3.49% per month i.e. 41.88% annually (w.e.f.1st Sep’20, charges on revolving credit would be 3.6% per month i.e. 43.2% annually for the above cards) Best Price Save Smart/ Best Price Save Max/ Emirates Skywards Diners Club/ Equitas Excite/ Equitas Elegance – 3.49% per month i.e. 41.88% annually InterMiles HDFC Bank Diners Club/ Diners Black/ Infinia – 1.99% per mon