HDFC Credit Card over-limit facility?

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Last Comment 2022-12-21

2022-12-20

Got this message from HDFC Bank. What is this over limit facility? Clicked on the link and this is not LE.

"
Wish to use your Credit Card beyond the available limit?

You're eligible for an over-limit facility on your HDFC Bank Credit Card xx1234.

Enable Over-limit: hdfcbk.io/a/aBcDeFxx
"

Expired

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https://www.desidime.com/discussions/hdfc-credit-card-over-limit-facility?page=1#post_8980976

hackerboys

2022-12-20

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same here , me too got

https://www.desidime.com/discussions/hdfc-credit-card-over-limit-facility?page=1#post_8980979

--AJ--

2022-12-20

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Available in all bank cards. Charges will be there.

https://www.desidime.com/discussions/hdfc-credit-card-over-limit-facility?page=1#post_8981093

Sudarshan61

2022-12-21

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Earlier it was allowed by default

RBI asked all bank to let customer opt for it .else CC should not allow it and charge extra to customers .

HDFC charge for all cards except Infinia..so be careful

https://www.desidime.com/discussions/hdfc-credit-card-over-limit-facility?page=1#post_8982124

harshak9045

2022-12-21

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There will be overlimit charges 2.5% + GST when you cross above the credit limit and it's not possible to convert it into EMI. AFAIK, only Infinia allows NPSL(No Pre Set Limit) upto 50% of the credit limit. I've asked my RM about this and he said he will update me soon. Will update you soon.

Unless you really need it stay away from it or apply for other credit cards.