When will the interest charge stop on my HDFC credit card?

When you clear the entire outstanding due as per the statement within the due date, HDFC Banks stops charging interest immediately.

How much is the minimum amount due on my HDFC credit card?

HDFC Bank typically considers 5% of the total outstanding on the account as minimum amount due.

I paid the previous outstanding on my HDFC credit card in full before the due date, why did the bank still charge interest on cash withdrawal?

Unlike card transactions, cash withdrawals are subject to finance charges from the time the money is taken out until the entire amount is paid. As a result, your credit card may have been charged interest by the bank. To avoid interest costs rising, pay your bill this month rather than waiting for the due date.

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HDFC Credit Card Interest Rates

For many credit card customers, the interest rate is one of the most important features they overlook. Every credit card provider, including HDFC Bank, assesses a monthly interest rate on past-due credit card payments. To maximise their credit card's interest-free period feature and revolving credit facility, HDFC credit cardholders need to be aware of how the bank charges interest on delinquent credit card bills, what kinds of payments are subject to interest charges, how the interest rate is calculated, and other pertinent information.

Updated On - 26 Sep 2025

A credit card interest charge, also known as a finance fee, is the amount of interest or penalty that HDFC Bank will charge you if you decide not to pay off your credit card debt in full. This implies that the bank will charge interest on the remaining balance and any subsequent transactions until the outstanding is paid in full, even if you decide to pay only the minimum amount owed or a smaller amount than that.

Please be aware that interest will only be charged if you use your HDFC credit card to make cash withdrawals or if you don't pay off your credit card balance in full.

How Are Credit Card Interest Rates Calculated by HDFC Bank?

HDFC charges interest at a monthly percentage rate (MPR) on all the applicable transactions from the date of purchase till the amount is paid back in full. The finance charges are added to the monthly credit card billing statement till the outstanding is cleared in full.

If you carry forward any outstanding amount from the previous month, the interest rate will be calculated by the average Daily Balance Method and applicable to all carry forwarded balances and fresh billings.
If you withdraw cash using your HDFC credit card, the same average Daily Balance Method will be used to calculate the interest and it will be charged from the date of the transaction till the amount is paid back in full.
If you use a revolving credit facility, meaning you decide not to pay the complete amount owed, finance charges will apply to the entire amount owed, and any additional transactions will incur interest until the outstanding balance is paid in full.

To this interest, it will add a late payment fee, and GST @18% on interest charges to calculate the total amount due on your HDFC credit card.

Interest Charged by HDFC Bank On Various Credit Cards

HDFC Bank may impose interest rates as high as 3.6% monthly or 43.2% annually. However, depending on how you use your card, your relationship with the bank, and other factors, the interest rate that the bank charges may vary from credit card to credit card.

Based on the daily balance method, HDFC calculates interest on a particular amount using the formula -

(Total Outstanding Amount x 13% per month x 12 months) X number of days] / 365 days

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HDFC Credit Card Interest Rates 2025

HDFC Credit Card Name	HDFC CC Interest Rate
HDFC Regalia Credit Card	43.2% p.a.
HDFC Titanium Edge Credit Card	43.2% p.a.
HDFC Diners Clubmiles Credit Card	43.2% p.a.
HDFC Diners Club Premium Credit Card	43.2% p.a.
HDFC Diners Club Black Credit Card	23.88% p.a.
HDFC Millennia Credit Card	43.2% p.a.
HDFC MoneyBack Credit Card	43.2% p.a.
IndianOil HDFC Credit Card	43.2% p.a.
HDFC Regalia First Credit Card	43.2% p.a.
Tata Neu Infinity HDFC Bank Credit Card	41.88%
Paytm HDFC Bank Mobile Credit Card	45.00%
Tata Neu Plus HDFC Bank Credit Card	45.00%

Which HDFC Bank Credit Card Transactions Attract Interest Charges?

If you pay the total amount due (TAD) on your HDFC credit card before the due date, the interest charges will not be applied. Let's see the cases when the finance charges are applicable on HDFC credit card transactions.

When an HDFC credit cardholder chooses not to pay the total amount due before the due date
When an HDFC credit cardholder chooses to pay the minimum due amount and carry a part of the total outstanding amount to the next billing cycle.
When an HDFC credit cardholder avails of the cash advance feature or withdraws cash using the card

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HDFC Credit Card Interest-free Period

The interval of time between an HDFC credit card transaction date and the credit card payment due date is known as the credit card interest-free period or grace period. As a result, it changes with each purchase you make using your HDFC credit card. HDFC typically provides a maximum 50-day interest-free term. You won't be charged interest if you pay inside the interest-free window, which is on or before the due date. This indicates that you have benefited from the interest-free credit facility.

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FAQs on HDFC Credit Card Interest Rates

When will the interest charge stop on my HDFC credit card?
When you clear the entire outstanding due as per the statement within the due date, HDFC Banks stops charging interest immediately.
How much is the minimum amount due on my HDFC credit card?
HDFC Bank typically considers 5% of the total outstanding on the account as minimum amount due.
I paid the previous outstanding on my HDFC credit card in full before the due date, why did the bank still charge interest on cash withdrawal?
Unlike card transactions, cash withdrawals are subject to finance charges from the time the money is taken out until the entire amount is paid. As a result, your credit card may have been charged interest by the bank. To avoid interest costs rising, pay your bill this month rather than waiting for the due date.

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