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HDFC Bank Credit Card

HDFC Bank Credit Card

HDFC is one of the major credit card issuers in India and has more than 3.5 million cards out of the nearly 28 million credit cards issued in the country, accounting for 15 to 20 per cent of the market share.

HDFC Bank also offers a Visa Signature credit card to its high-end customers which has a credit limit of Rs three lakh and upwards. Visa Signature has been positioned above all other premium products offered in the market and would be offered only by invitation. HDFC Bank credit card members will get special offers on various HDFC Bank products including auto loans, loan against shares, demat and foreign exchange services, besides exclusive privileges from a wide array of global partners. The most popular HDFC Bank credit cards include its Silver Credit Card, Gold Card and its limited edition Titanium Credit Card. HDFC Bank also offers specialised cards like Health Plus Credit Card (special benefit card) and Woman Gold's Card (premium card).

Features

Card Name HDFC- Silver Card HDFC-Gold Card HDFC-Platinum Plus Card
Network Master Card Visa Visa / Master Card
Joining Fee (in rupees) 300 500 1000
Annual Fee (in rupees) 700 2000 NA
Add On Card - Issue Fee Free Free Free
Interest Rate -on revolving Credit 41.75%p.a 41.75%p.a 36.86%p.a
Interest Rate -on Cash Withdrawal 41.75%p.a 41.75%p.a 36.86%p.a
Interest Rate - on Balance Transfer 1.5% of BT amount or (Rs 150/-) whichever is higher 1.5% of BT amount or (Rs 150/-) whichever is higher 1.5% of BT amount or (Rs 150/-) whichever is higher
Reward points Earn 2 reward points per Rs 150 spent on the Silver Credit Card Earn 2 reward points per Rs 150 spent on the Silver Credit Card Earn 2 reward points per Rs 150 spent on the Silver Credit Card
Surcharge on Fuel 2.5% (subject to a min of Rs 10) 2.5% (subject to a min of Rs 10) NIL
Cash Withdrawal Fee 2.5% of amount withdrawn or Rs 300 whichever is higher 2.5% of amount withdrawn or Rs 300 whichever is higher 2.5% of amount withdrawn or Rs 300 whichever is higher
Late Payment Charges Rs 350 for credit card bills upto Rs 10000, Rs 500 for credit card bills between Rs 10000 and Rs 20000, Rs 600 for credit card bills above Rs 20000 Rs 350 for credit card bills upto Rs 10000, Rs 500 for credit card bills between Rs 10000 and Rs 20000, Rs 600 for credit card bills above Rs 20000 Rs 350 for credit card bills upto Rs 10000, Rs 500 for credit card bills between Rs 10000 and Rs 20000, Rs 600 for credit card bills above Rs 20000
Late Payment Fee NA NA NA
Overlimit Charges 2.5% of overlimit amount subject to a minimum of Rs 500 2.5% of overlimit amount subject to a minimum of Rs 500 2.5% of overlimit amount subject to a minimum of Rs 500
Maximum Credit Free Period Upto 50 days Upto 50 days Upto 55 days


Please add service tax @ 12.36% to all interest and charges

* For account holder

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