Other HDFC Bank Credit Cards
The credit limit of this card will be at the discretion of the bank as well as the business or corporate company. However, the general factors for the credit limit will still be taken into consideration such as your credit score, credit report as well as your repayment habits of your past and any ongoing loans.
This credit card by HDFC Bank offers reward point benefits for the cardholder. The reward point benefits of the card are as follows:
Reward points can be redeemed through two methods, offline and online.
If you wish to redeem your points offline, you can download the rewards redemption form from the bank website. You will need to fill the details and then sent to the following address:
HDFC Bank Cards Division,
P.O. Box No. 8654,
Chennai - 600041.
To redeem your point online, here are the steps you need to follow:
|Type of Charge||Amount|
|Additional card fee||Free|
|Interest-free period||Up to 50 days|
|Minimum repayment amount||5% or a minimum of Rs.200|
|Charges on revolving credit||3.49% per month|
|Late payment charges||
If the statement balance is less than Rs.100 - Nil
Between Rs.100 and Rs.500 - Rs.100
Between Rs.500 and Rs.5,000 - Rs.500
Between Rs.5,001 and Rs.10,000 - Rs.600
Between Rs.10,001 and Rs.25,000 - Rs.800
More than Rs.25,000 - Rs.950
|Cash advance limit||
40% of the credit limit - Corporate Liability
30% of credit limit - Individual Liability
|Cash advance charges||2.5% of the amount withdrawn or Rs.500, whichever is higher|
|Charges on over limit account||2.5% of the over limit amount subjected to a minimum of Rs.500|
|Payment return charges||2% of the payment amount subjected to a minimum of Rs.450.|
|Balance transfer processing charges||1% of the balance transfer amount or Rs.250. The higher amount will be taken.|
|Cash processing fee||Rs.100|
|Retrieval Fee (Charge Slip)||Rs.125 per charge slip.|
|Fuel transaction charges||1% surcharge will be waived off. Maximum waiver is Rs.500 per statement cycle|
|Outstation cheque processing charges||
Cheque value of up to Rs.5,000 - Rs.25
Cheque value of more than Rs.5,000 - Rs.50
|Rewards redemption fee||Rs.99 per redemption request|
|Foreign currency transactions||2.5%|
|Railway ticket purchase fee||1.8% of the transaction amount + GST|
|Reissue of a stolen, lost or damaged card||Rs.100|
The cash advance fee levied on the withdrawal of cash using your Corporate Platinum Credit Card is 2.5% of the amount withdrawn or Rs. 300, whichever is higher.
Over limit charges are levied on the outstanding amount that exceeds the credit limit. The over limit charge is either 2.5% of the over limit amount, or Rs.500, whichever is higher.
Finance charges are applicable on the cash advance made, from the date of the transaction till the date of repayment.
For a cheque value of less than Rs.5000, a fee of Rs. 25 is levied, and for cheque value of more than Rs. 5000, a fee of Rs.50 is levied.
Yes. The Bank charges 3.5% as cross-currency mark-up.
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