HDFC Kyc

KEY FACT STATEMENT CUM MOST IMPORTANT TERMS & CONDITIONS FOR CREDIT CARDS
Table of Contents
A) Fees and Charges .................................................................................................................... 2

i. Joining fees and Annual membership fees for primary cardholder ...................................... 2
ii. Cash advance fee ................................................................................................................ 5
iii. Service charges levied for transactions ............................................................................... 5
iv. Interest free (grace Period) .................................................................................................. 6
v. Finance charges for both revolving credit and cash advances ............................................ 6
vi. Overdue interest charges - to be given on monthly & annualised basis............................... 7
vii. Charges in case of default ................................................................................................... 8
B) Drawal Limits ............................................................................................................................ 8
i. Credit limit ............................................................................................................................ 8
ii. Available credit limit ............................................................................................................. 8
iii. Cash withdrawal limit ........................................................................................................... 8
C) Billing ........................................................................................................................................ 9
i. Billing statements - periodicity and mode of sending ........................................................... 9
ii. Minimum amount payable .................................................................................................... 9
iii. Method of payment .............................................................................................................. 9
iv. Billing disputes resolution .................................................................................................. 10
v. Complete postal address of card-issuer............................................................................. 10
vi. Toll free number, email-id, and dedicated telephone number for SMS for customer care
services, contact details of Grievance Redressal Official ................................................... 10
D) Default and Circumstances ................................................................................................... 10
i. Procedure including notice period for reporting a cardholder as defaulter: ........................ 10
ii. Procedure for withdrawal of default report and the period within which the default report
would be withdrawn after settlement of dues ..................................................................... 10
iii. Recovery procedure in case of default............................................................................... 11
iv. Recovery of dues in case of death / permanent incapacitance of cardholder .................... 11
v. Available insurance cover, if any, for cardholder and date of activation of policy including
nomination details .............................................................................................................. 11
E) Termination / Revocation of Card Membership ................................................................... 11
i. Procedure for surrender / closure of card by cardholder .................................................... 11
ii. Link provided exclusively for the above on the website ..................................................... 11
iii. Contact details for the cardholder to initiate closure / hotlisting – email-id, dedicated
telephone number for SMS, IVRS ...................................................................................... 11
iv. Procedure for closure of card account if the card has not been used for more than one year
........................................................................................................................................... 12
F) Loss/ Theft/ Misuse of Card .................................................................................................. 12
i. Procedure to be followed in case of loss/ theft/ misuse of card-mode of intimation to card-
issuer: ................................................................................................................................ 12
ii. Web-site link, phone banking, SMS, e-mail, IVR, a dedicated toll-free helpline, reporting to
nearest branch, etc. for reporting unauthorised transactions and initiating blocking of card
........................................................................................................................................... 13
iii. Liability of cardholder in case of (i) above in terms of RBI circular ref. DBR.No.Leg.BC.
Version 2.0 Dated – Sep-2023
78/09.07.2005/2017-18 dated July 6, 2017 on ‘Customer Protection – Limiting Liability of

Customers in Unauthorised Electronic Banking Transactions’ as updated from time to time:
........................................................................................................................................... 13
G) Grievance Redressal and Compensation Framework......................................................... 14
i. Grievance redressal and escalation process ..................................................................... 14
ii. Timeline for redressal of grievances .................................................................................. 14
iii. Compensation framework for unsuccessful / failed transactions, delay in redressal of
grievance, delay in closing of account / blocking of lost or stolen cards, etc. ..................... 14
iv. Contact particulars of card-issuer - 24-hour call centres, email-ids, helpline, other important
telephone numbers ............................................................................................................ 14
Page 1 of 21 Back to Table of Content

H) Disclosure ............................................................................................................................... 15
I) Reward Points and Cashpoints ............................................................................................ 15
J) Other Important Information ................................................................................................. 18
K) Lounge Access ....................................................................................................................... 18
L) Goods and Services Tax (GST) ............................................................................................. 18
M) TDS on withdrawals above Rs 1 crore ................................................................................. 19
N) Most Important Terms and Conditions in Regional Languages ........................................ 19
O) Additional Schedule ............................................................................................................... 19
Dear Customer – The “Most Important Terms and Conditions (MITC)” are to be read along with
the Card Member Agreement of HDFC Bank Ltd for complete understanding. The MITC are subject
to revision. Refer www.hdfcbank.com for details.
SECTION I: KEY FACT SHEET
A) Fees and Charges
i. Joining fees and Annual membership fees for primary cardholder: The fees may vary for
each Cardmember, and from offer to offer. The same is communicated to the Cardmember at the
time of applying for the Credit Card. The below fees as applicable are billed to the card account and
are stated in the card statement of the month in which it is charged.
Minimum Spend for Foreign
Joining / Fuel Currency
waiver of annual
Annual Transaction Transactions
Card variant membership fee /
membership Surcharge
renewal charges for
Fee (Plus GST) ** % Of transaction
next year * value ***
Infinia (Metal Edition) ₹12,500 ₹10 Lakh / Annum Waiver capped
Infinia ₹8 Lakh / Annum at ₹1000 every
₹10,000 billing cycle
Diners Black ₹5 Lakh / Annum
Waiver capped
Times Titanium/Times
₹499 ₹1.5 lakh / Annum at ₹250 every
Card Credit
billing cycle
Regalia Gold ₹4 Lakh / Annum NA
Regalia, Business Waiver capped
Regalia, Diners at ₹500 every 2%
₹2,500
Privilege, Diners Club billing cycle
Premium, Doctor’s ₹3 Lakh / Annum For Regalia,
Regalia Doctor's
Tata Neu Infinity Regalia,
₹1,499 Business
HDFC Bank
Regalia -
Regalia First, Business Waived for
₹1,000 ₹1 Lakh / Annum transaction
Regalia First
between ₹400 to
₹5,000
(Diners Privilege
Fuel surcharge
Diners Club Rewardz ₹1,000 ₹1 Lakh / Annum waiver not 3%
applicable
effective 1st
Aug’23)

Waiver capped
Diners Club Miles at ₹499 every
billing cycle
6E Rewards Indigo ₹500 NA NA
HDFC Bank UPI
RuPay Credit Card /
₹25,000 / Annum NA
HDFC Bank UPI
RuPay Biz Credit Card
₹250
Waiver capped
at ₹250 every
Easy EMI ₹50,000 / Annum
billing
cycle
Business Platinum Free ₹30,000 / Annum Waiver capped
Times Platinum/Times at ₹500 every
₹2.5 lakh / Annum billing cycle
Card Credit Platinum
₹1,000
Millennia ₹1 Lakh / Annum
Equitas Elegance ₹2.5 Lakh / Annum Waiver capped
at ₹250 every
Equitas Excite ₹1 Lakh / Annum billing cycle
MoneyBack, For Millennia,
MoneyBack+, MoneyBack,
Business Moneyback ₹500 MoneyBack+,
Freedom ₹50,000 / Annum Freedom -
Best Price Save Smart Waived for
transaction
Indian Oil HDFC Bank between ₹400 to
Small Business ₹5,000
₹250 ₹25,000 / Annum
Moneyback
Shoppers Stop Black
₹4500 NA
HDFC Bank
Superia ₹1 lakh / Annum
Waiver capped
₹50,000 within 90 days at ₹500 every
Paytm HDFC Bank for 1st year membership billing cycle
Select fee and ₹1.5 Lakh /
Annum for annual fee NA
AllMiles
₹1 lakh / Annum
Doctors Superia
₹1,000 ₹60,000 within 90 days
Paytm HDFC Bank for 1st year membership
Select Business fee and ₹1 Lakh / Annum
for annual fee

Best Price Save Max ₹75,000 / Annum Waiver capped
at ₹250 every 3.5%
₹75,000 within 90 days billing
Pine Labs HDFC Bank for 1st year membership cycle
Pro fee and ₹1,00,000 /
Annum for renewal fee
Paytm HDFC Bank
₹500 ₹30,000 within 90 days
Business for 1st year membership

fee and 50,000 / Annum
for annual fee
₹150 within 90 days for
Pharmeasy HDFC 1st year membership fee
Bank and 70,000 / Annum for
renewal fee
IRCTC HDFC Bank
Credit Card ₹1.5 lakh / Annum
Snapdeal HDFC Bank
Bharat CashBack /
Teacher's Platinum / ₹50,000 / Annum
Solitaire
Business Freedom
Card / Business Bharat ₹20,000 / Annum
CashBack
₹49 / Month ₹ Rs.30,000 within 90

days for 1st year
Paytm HDFC Bank (₹500 per membership fee and
annum from
Rs.50,000 / Annum for
April 1, 2023) renewal fee
Rs.1,000 within 30 days
Paytm HDFC Bank Rs.149 per for 1st year membership
Digital Credit Card annum fee and Rs.25,000 /
₹29 / Month ₹ Rs.1,000 within 30

days for 1st year
Paytm HDFC Bank (₹149 per membership fee and
Mobile annum from Rs.25,000 / Annum for
April 1,2023) renewal fee
₹45,000 within 90 days
for 1st year membership
Pine Labs HDFC Bank
fee and 50,000 / Annum
for renewal fee
Retailio HDFC Bank ₹499 ₹50,000 / Annum
Flipkart Wholesale ₹3 lakh / Annum
Tata Neu Plus HDFC
₹1 lakh / Annum
Bank
Shoppers Stop HDFC
Bank Free NA
Platinum Edge
₹20,000 within 90 days

for 1st year membership
Business Program ₹500
fee and ₹1,00,000 /
₹500 NA
Swiggy HDFC Bank
₹2 lakh / Annum
Credit Card
Marriott Bonvoy HDFC
₹3000 NA
Bank Credit Card
6E Rewards Indigo XL ₹1,500 NA NA 2.5%

* Exclude transactions - Cash on Call, Balance Transfer, Cash Withdrawal
** Fuel Surcharge waiver: Fuel Surcharge Waiver will be capped at 1% of the eligible fuel
transaction amounts. GST on Fuel surcharge will not be reversed. The rate of surcharge may vary
depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank
providing the terminal to the merchant. The value on charge slip will differ from the credit card
statement since the Surcharge & GST is levied by acquiring bank post the transaction. The 1%
surcharge waiver (excluding GST) for eligible transactions would reflect separately in the monthly
credit card statement. Reward Points / 6E rewards / Tata Neu / Swiggy Money / Marriott Bonvoy
Points will not be accrued on fuel transactions.
*** Currency conversion rate as on settlement date applicable
ii. Cash advance fee: The Cardmember can EMI Credit Card. EMI conversion will be done for
use the Card to access cash in an emergency a tenure of 9 months, at an ROI of 20% per
from ATMs in India or abroad. A transaction fee annum, and processing fee of Rs 99 + GST for
of 2.5% (Excluding Infinia, Infinia Metal Edition) all loan amount.
or ₹500 whichever is higher would be levied on c. Charges on overlimit account: 2.5% of
the amount withdrawn and would be billed to the overlimit amount, subject to a minimum of ₹550
Cardmember in the next statement. The (Not applicable for Paytm HDFC Bank Digital
transaction fee is subject to change at the Credit Card as no over limit facility is provided)
discretion of HDFC Bank. All cash advances also d. Payment Return Charges: 2% of Payment
carry a finance charge equal to charges on amount subject to minimum of ₹450
revolving credit (Refer schedule of charges) from
the date of withdrawal until the date of full e. Cash Processing Fee: ₹100 (for all card
payment. The finance charge is subject to payments made by depositing in HDFC Bank
change at the discretion of HDFC Bank. branches or ATMs)
(Not Applicable for Paytm HDFC Bank Digital f. Rewards Redemption Fee: ₹99 Per
Credit Card as cash withdrawal is not allowed.) redemption request - Applicable for all cards
iii. Service charges levied for transactions: other than Infinia/ Infinia (Metal Edition)/ Diners
Charges and fees, as may be applicable from Black Card). Rewards Redemption Fee will not
time to time, are payable by Cardmembers for be charged on redemption of reward points
specific services provided by HDFC Bank to the towards cashback.
Cardmember or for defaults committed by the For IndiGo HDFC Bank Cards, please visit
Cardmember with reference to their card www.goIndiGo.in
account. For Tata Neu HDFC Bank Credit Cards, please
HDFC Bank retains the right to alter any charges visit www.tatadigital.com
or fees from time to time or to introduce any new For Swiggy HDFC Bank Credit Card, please
charges or fees, as it may deem appropriate, with install Swiggy App, please visit www.Swiggy.com
due intimation to the customer. For interest rates, For Marriott Bonvoy HDFC Bank Credit Cards,
pre-closure, and cancellation charges on Loan please visit : www.marriott.com or
on Credit Cards, please visit https://marriottbonvoyasia.com/
www.hdfcbank.com/personalproducts/loans/loan g. Balance Transfer Processing Charges: 1%
-on-credit-card of BT amount or ₹250, whichever is higher.
The Bank, at its sole discretion, reserves the right h. Duplicate physical statement charges: ₹10
to honour transactions above the approved credit per duplicate physical statement
limit on the card on a case-to-case basis subject i. Insta Loan, Jumbo Loan, and Smart EMI:
their internal guidelines and policy of the Bank.  Insta Loan & Jumbo Loan Processing
a. Railway Ticket Purchase Fee: 1% of the Fee: ₹999 (Plus GST)
transaction amount + GST except IRCTC HDFC  Smart EMI Processing Fee: ₹499 (Plus
Bank Credit Card. Charges will be reversed post GST)
transaction. (Refer IRCTC website for detailed  Pre-Closure Charges: 3% of the Balance
fee structure). Principal Outstanding
st
b. Conversion charges - Auto EMI: Applicable j. Rent Pay Transactions: W.e.f. 1 January
on all transactions (Excluding Fuel, Gold, and 2023, 1% fee on transaction amount will be
Jewellery) of Rs 10,000/- or more done on Easy levied on rental transactions done on any

applicable merchant from the second transaction Credit Card (please refer to the Schedule of
for the month. Charges) and the submission of claims by the
k. Insta card related charges: Insta Card is a merchant. However, this is not applicable if the
digital version of your physical card which are Previous month's balance has not been cleared
issued to eligible customers. Customers eligible in full or if the Cardmember has availed of cash
for Insta Card, for the first 30 days from date of from ATM. For instance, the HDFC Bank
issuance any wallet loading transaction done International Platinum Plus Card has an interest-
through the credit card would incur charges of free credit period of up to 50 days. This means
2.5% of load value. that a customer who has a billing date of 4th of
l. Card Validation charges: ₹2 will be charged the month can spend on his Card from 5th April
on the Credit Card and the same shall not be to 4th May, his bill will be generated on 4th May
reversed by the bank (All variants except and his Payment Due Date will be 24th May.
MasterCard). Hence a purchase made on 14th April will have a
credit period of 41 days, while a purchase made
₹25 will be charged and made void at the POS
on 2nd May will have a credit period of 23 days.
terminal (Applicable for MasterCard variant),
which means that the transaction is cancelled by This period will be free of interest only if all
the merchant before it settles through your credit previous dues are paid in full and there is no
card account and hence it will not appear on your unpaid balance carried over from previous
credit card statement. months.
m. Priority Pass Lounge Charges: (For v. Finance charges for both revolving credit
Regalia / Doctor's Regalia / Regalia First / and cash advances:
Regalia Gold/ Tata Neu Infinity): All lounge visits Charges
within India using Priority Pass will be charged at Variant (excluding GST)
$27 (in INR equivalent) + Taxes per person per Monthly Annually
visit. All lounge visits outside India beyond the Infinia, Infinia (Metal
1.99% 23.88%
complimentary cap will be charged at $27 (in INR Edition), Diners Black
equivalent) - Taxes per person per visit. Please Tata Neu Infinity 3.49% 41.88%
refer the product features of the card for details Paytm HDFC Bank
on bank website. All guest/s (person 3.75% 45.00%
Mobile, Tata Neu Plus
accompanying the priority pass holder) will be All other variants 3.60% 43.20%
charged at $27 (in INR equivalent) + Taxes per
person per visit. For Cards issued against Fixed Deposit - 1.99%
per month (23.88% annually) applicable from
n. V2P SmartHub Vyapar charge: Flat interest
transaction date (Effective 1st Oct'22, will carry
of 1% + GST on the transaction amount will be
the same revolving rate as per the card variant)
charged on Business Cards for making Vendor
Finance charges are payable at the monthly
Payments / Utility Payments / GST via V2P
percentage rate on all transactions from the date
module in SmartHub Vyapar.
of transaction in the event of the Cardmember
o. Reissue of Lost, Stolen or Damaged Card: choosing not to pay his balance in full, and on all
₹100 cash, advances taken by the Cardmember, till
p. Outstation Cheque Processing Charge: they are paid back. Finance charges, if payable,
For Cheque value upto ₹5,000 - ₹25 and for are debited to the Cardmember's account till the
above ₹5,000 - ₹50 outstanding on the card is paid in full.
q. Dynamic currency conversion Markup Finance charges on cash advances are
Fee: With effect from 1st January 2023, a applicable from the date of transaction until the
Markup fee of 1% will be levied on all payment is made in full.

transactions carried out in Indian Currency at an When the customer carries forward any
international location or at merchants which are outstanding amount or avails of Cash Advance,
located in India but registered overseas. a finance charge calculated by average Daily
r. Add-on Card Fee: Lifetime Free Balance Method, will apply to balances carried
iv. Interest free (grace Period): The interest forward and to fresh billings.
free credit period could range from 20 to 50 days If a Cardholder avails of the revolving credit
subject to the scheme applicable on the specific facility of the HDFC Bank Credit Card and hence
Credit Card and the submission on the specific chooses to pay an amount less than the total
amount due reflected in the monthly billing

statement, the entire outstanding amount except Thus, on the statement dated 18th May, following
charges would attract finance charges and all will reflect as the component of the total amount
new transactions will also attract finance charges payable by you.
till such time as the previous outstanding Interest calculated = (outstanding amount*
amounts are repaid in full. 3.6% per month (i.e., 43.2% per annum) * No of
vi. Overdue interest charges - to be given on days) / 365. Therefore,
monthly & annualised basis: Late Payment a. Interest on ₹15,000 @ 3.6% per month (i.e.,
Charges (excluding Infinia, Infinia -Metal Edition) 43.2% per annum) from 19 Apr to 11 May (i.e. for
will be applicable if Minimum Amount Due is not 23 days) = ₹408.33
Paid by the payment due date, Clear funds need Interest on ₹13,000 @ 3.6% per month (i.e.,
to be credited to HDFC Bank Card account on or 43.2% per annum) from 12 May to 14 May (i.e.
before the payment due date, to avoid Late for 3 days) = ₹46.16
Payment charges. Refer section ‘Schedule of Interest on ₹5,000 @ 3.6% per month (i.e., 43.2%
Charges’ for details. per annum) from 19 Apr to 14 May (i.e. for 26
Over Limit charges (excluding Infinia, Infinia - days) = ₹153.86
Metal Edition) limit applicable on total Interest on ₹3,000 @ 3.6% per month (i.e., 43.2%
outstanding exceeding the Credit limit at the rate per annum) from 15 May to 18 May (i.e. for 4
of 2.5% of the overlimit amount subject to days) = ₹14.20
minimum of ₹550 basis explicit consent. In case Interest on ₹1,000 (fresh spends) @ 3.6% per
the Cardholder proposes to avail any limit over month (i.e., 43.2% per annum) from 15 May to 18
and above the sanctioned Credit Limit, the May (i.e. for 5 days) = ₹5.92
Cardholder shall, in the form and manner as may Total interest = ₹628.47
be stipulated by the Bank, explicit consent for b. Late Payment Charges = ₹800 (excluding
such additional limit (Over Limit) as may be Infinia)
approved by the Bank in its sole discretion. Upon c. GST@ 18% of interest and late payment
grant of such explicit consent by the Cardholder, charges = ₹257.12
the sanctioned Credit Limit of the Cardholder d. Total principal outstanding amount = ₹4,000
shall stand increased by the amount equivalent (₹1,000 fresh spends + balance ₹3,000
to the Over Limit. outstanding from last month's billing period)
The following illustration will indicate the Hence Total Amount Due = (a) + (b) +(c) + (d) =
method of calculating various charges ₹5685.60
Assume that you have paid all previous dues in Please note that the Finance Charges and other
full and do not have any amount outstanding in charges are subject to change at the discretion of
your Card Account. Your statement date is 18th HDFC Bank.
of every month. The following is the list of For a list of charges that may be levied at specific
transactions you have done on your card instances, please refer to the Schedule of
account. Charges available at the end of this document.
Date Transaction Amount Minimum Amount Due (MAD) - 5% of Retail
10-Apr Goods purchase ₹15,000 Balance / Cash Advance Balance and finance
15-Apr Garments purchase ₹5,000 charges and 100 % of charges, Loan EMI billed
under cards, levies and Taxes and rounded to the
Total Amount next higher 10th digit.
due = ₹20,000
(For Paytm HDFC Bank Digital Credit Card:
18-Apr Statement Date Minimum
Amount Due = 10% of Retail Balance / Cash Advance
₹1,000 Balance and finance charges and 100% of

12-May Payment into card ₹2,000 (Credit) Charges, Loan EMI billed under cards, levies,
account (Late and taxes)
payment charges will Example: If the MAD amount is ₹1,503.50
be applicable here) (Rupees one thousand five hundred and three
and paise fifty only), post computation it will be
14-May Groceries purchase ₹1,000
rounded off to next multiple of tenth digit i.e.,
15-May Card Payment ₹15,000 ₹1,510.00 (Rupees one thousand five hundred
and ten only).

1st Oct'22 ONWARDS A Statement Date 1st May 22
EXAMPLE (fig. in ₹)
Retail / Cash B Statement Due 25,000.00
A 50,000 C MAD 1,250.00
Outstanding Balance
Payment Due Date 20th May 22
B Finance Charges 1,800 D
C Over Limit Charges 550 E Grace Date 23rd May 22
D Late Payment Fee 1100
E Payment Return Fee 500 F Unbilled usage - 1st May 5,000.00
F Easy EMI - Principal 500 to 23rd May 22
G Total Outstanding as of 30,000.00
G Easy EMI - Interest 1,500
23rd May 22(A+E)
TOTAL AMOUNT DUE 55,950 H Payment Received - MAD 25th May 22
- Rs.1250.00
Minimum Amount Due Calculation I LPC Levied only on 800
Retail / Cash Statement Balance
Outstanding Balance + vii. Charges in case of default (no payment
H Finance Charges* (5% of 2,590 5%
or delayed payment): Basis Credit Card bill
(₹50000/- + ₹1800/-) amount (excluding Infinia (Metal edition))
I Over Limit Charges 550 100% Outstanding Late Payment Charges
J Late Payment Fee 1,100 100% Balance (Excl. GST)
K Payment Return Fee 500 100% Less than ₹100 Nil
₹100 to ₹500 ₹100/-
L Easy EMI - Principal 500 100%
₹501 to ₹5,000 ₹500/-
M Easy EMI - Interest 1,500 100%
₹5,001 to ₹10,000 ₹600/-
Minimum Amount Due 6,740
₹10,001 to ₹25,000 ₹800/-
* For the purpose of MAD calculation 5% of ₹25,001 to ₹50,000 ₹1100/-
Finance Charges (3.6% per month i.e., 43.20% More than ₹50,000 ₹1300/-
p.a.) is being considered.
The below illustration is prepared on the B) Drawal Limits
assumption that the customer has not made the i. Credit limit: HDFC Bank at its sole discretion
payment on time nor cleared the Total Amount will determine the Cardmember's credit limit and
Due (TAD). cash withdrawal limit. (Add-on Cardmembers
share the same limit as the primary cardholders).
Reduced Interest Rate / Finance charges on
Freedom Credit Cards ii. Available credit limit: These limits are
• For Freedom credit Cards, Interest Rate / communicated to the Card member at the time of
Finance Charges of 0.99% will be applicable for card delivery and in the monthly statements. The
first 90 days from card issuance date on available credit limit at the time of the statement
retail/non-EMI spends only (i.e., not applicable generation is provided as a part of the monthly
on Insta loan, Insta Jumbo Loan, SmartEMI, statement. HDFC Bank will review the
EasyEMI, Balance transfer or Cash Cardmember account periodically and may
transactions). From 91st day onwards regular decrease the Cardmember's credit limit basis
interest rate of 3.6% along with taxes will be their internal criteria. In such an instance, the
applicable. Bank will immediately inform including the
reason thereof, by SMS or e-mail followed by

• The benefit is applicable only to customers to
confirmation in writing. Cardmembers seeking to
whom the card has been issued on or after
have their credit limit increased can do so by
October 01, 2021
writing to the Bank and providing financial
• For more details, refer welcome kit or FAQs and documents declaring their income. The Bank, at
Terms & Conditions section mentioned on HDFC its sole discretion and based on such new
Bank website www.hdfcbank.com. The following documents provided, may increase the credit
illustration will indicate the method of calculating limit of the Cardmember.
LPC:
iii. Cash withdrawal limit: 40% of the Credit
LPC Illustration
Limit (Not Applicable for Paytm HDFC Bank

Digital Credit Card as cash withdrawal is not card outstanding will be adjusted against all Pre-
allowed) closure of loans (Loan Principle outstanding /
Pre-closure Charges + GST), GST, Fees &
C) Billing
Charges (Other than Finance Charges), Finance
i. Billing statements - periodicity and mode
Charges, EMI, Cash Advances and Retail
of sending: HDFC Bank will send the
Purchases in that order.
Cardmember a monthly statement showing the
payments credited and the transactions debited iii. Method of payment: Payments towards the
to the Cardmember's account since the last card account may be made in any of the following
statement. The Bank will mail a statement of ways:
transactions in the card account every month on a) NetBanking & ATM: In case the Cardmember
a pre-determined date, to the mailing address / has an HDFC Bank account, they can make the
email ID on record with the bank. Mode of the Payment through NetBanking & ATMs.
statement will be Physical / email as per b) Standing Instruction: In case the
customer’s choice. Cardmember has an HDFC Bank account, they
ii. Minimum amount payable: 5% of Retail can opt for a Standing Instruction facility, where
Balance / Cash Advance Balance and finance funds can be automatically transferred from the
charges and 100% of Charges, Loan EMI billed Cardmember's HDFC Bank account to the
under cards, levies, and taxes, previous month Cardmember's card account on the Payment due
outstanding and rounded to the next higher 10th date. The Automatic debit will be processed on
digit. the registered account nominated by the
(For Paytm HDFC Bank Digital Credit Card: 10% Cardmember on the Payment Due Date and will
of Retail Balance / Cash Advance Balance and be credited to the Card Account.
finance charges and 100% of Charges, Loan EMI In the event of non-realization of the complete
billed under cards, levies, and taxes) standing instruction (SI) amount, which is set by
the Cardmember, SI return charges shall be
Retail Balance means all purchases of goods or levied to the Cardmember on the net payable
services through store or online from the Credit amount post payment attempts. The cardholder
Card, excluding all Cash Advances, Balance acknowledges and agrees that recovery of
Transfers, Instalment Payment Plans, other Minimum Amount Due (MAD) post failure to
credit plans, fees, and charges. recover Total Amount Due (TAD) shall lead to
HDFC Bank Credit Cards offer the Card-member levy of the autopay return charges on the net
the facility of revolving credit. The Cardmember payable amount remaining due and outstanding
may choose to pay only the Minimum Amount on the payment due date.
Due printed on the statement. The balance
outstanding can be carried forward to Examples:
subsequent statements. The Cardmember can Scenario 1: Cardmember opts for SI facility on
also choose to pay the Total Amount Due or any Total Amount Due (TAD) and the SI amount is
part of the amount above the Minimum Amount ₹10,000 and system recovers only ₹500
Due. (Minimum Amount Due) due to insufficient funds
Such payment should be made before the in the nominated account, payment return fee will
Payment Due Date. Clear funds need to be be levied on the net payable amount i.e., ₹10,000
credited to HDFC Bank Card account on or - ₹500 = ₹9,500. Similarly, if the system is able to
before payment due date to avoid Late Payment recover only partial amount for example, ₹200
Charges. Cardmembers are advised to drop local which is less than Minimum Amount Due (MAD)
cheques well in advance of the Payment due payment return fee will be levied on the net
date to ensure payment reflects on the card payable amount i.e., ₹10,000 - ₹200 = ₹9,800
account within the Payment due date. Any unpaid Scenario 2: Cardmember opts for SI facility on
Minimum Amount Due of the previous statements Total Amount Due (TAD) and the SI amount is
will be added to the Cardmember's current ₹10,000. If partial payment is received for
Minimum Amount Due in addition to the example, ₹200 prior to the payment due date and
outstanding exceeding the Cardmember's Credit subsequently standing instruction facility fails,
Limit. payment return fee will be levied on the net
Payments made towards the card outstanding payable amount i.e., ₹10,000 - ₹200 = ₹9,800
are acknowledged in subsequent statements.
Payments received against the Cardmember's

c) NEFT / RTGS / IMPS: Customer can also • Infinia / Infinia (Metal Edition) / Diners Black
make payment through NEFT / RTGS fund customers: Please visit
transfer mode from other bank account (use https://www.hdfcbank.com/Infinia for 24 hours
IFSC code HDFC0000128) or use the VISA dedicated customer care number
Money transfer facility / IMPS. • Marriott Bonvoy HDFC Bank Customers:
d) Bill Desk: In case the Cardmember does not 1800 309 3100 For dedicated concierge
have an HDFC Bank account, cardmember can services (9am – 9pm).
make the Payment through Bill Desk facility using
other bank account. • Mail: Manager, HDFC Bank Cards P.O. Box
8654, Thiruvanmiyur, Chennai – 600 041
e) Cheque / Draft: By dropping the payment
instrument (Cheque or draft) into any of the • email: customerservices.cards@hdfcbank.com
HDFC Bank Credit Card drop boxes placed in the • Grievance Redressal Official: 044 6108 4900
HDFC Bank branches and ATMs. The Cheque between 09:30 AM to 05:30 PM Monday to
Draft should be made payable to HDFC Bank Friday.
Card Number xxxx xxxx xxxx xxxx. Kindly ensure
SECTION II : OTHER MITC
that the cheque/draft is deposited at least 3
working days before due date in case of HDFC D) Default and Circumstances
Bank cheque and 5 working days before due date i. Procedure including notice period for
for Non-HDFC Bank cheque. reporting a cardholder as defaulter: Grace
f) Cash Payment: Through Cash Payments at days of 3 days is allowed from the payment due
the bank branches. date on credit card accounts, where payments
are not overdue. The payment due date as
iv. Billing disputes resolution: All the Contents
mentioned on the credit card statement is the
of the statement will be deemed to be correct and
date by which clear funds must be credited to the
accepted if the Cardmember does not inform
credit card, however 3 grace days are provided
HDFC Bank of the discrepancies within 30 days
to accommodate for processing time of
of the Statement Date in writing. On receipt of
payments. The Bank shall report a credit card
such information, HDFC Bank may reverse the
account as 'past due' to credit information
charge on temporary basis pending investigation.
companies (CICs) and levy late payment charges
If on completion of subsequent investigations,
when a credit card account remains 'past due' for
the liability of such charges is to the
more than 3 days. The number of 'days past due'
Cardmembers account, the charge will be
and late payment charges shall, however, be
reinstated in a subsequent statement along with
computed from the payment due date mentioned
the associated charges. Upon receipt of dispute
in the credit card statement.
from customers, within a maximum period of
In the event of default, the Cardmember will be
Thirty days, Bank would provide necessary
sent reminders from time to time for settlement of
documents, wherever applicable as received
any outstanding on the card account, by post,
from the Member Bank, subject to operating
fax, telephone, e-mail, SMS messaging and/ or
guidelines laid down by the respective franchisee
engaging third parties to remind, follow up and
like Visa / Master Card / Diners Club / Rupay, etc.
collect dues. Any third party so appointed, shall
GST levied will not be reversed on any dispute
adhere fully to the code of conduct on debt
on Fee & Charges / interest.
collection.
v. Complete postal address of card-issuer: In case the cardholder fails to make payment of
Manager, HDFC Bank Cards P.O. Box 8654, either the Minimum Amount Due or the total
Thiruvanmiyur, Chennai – 600 041 amount due, under each monthly billing
vi. Toll free number, email-id, and dedicated statement, the bank shall notify the customer of
telephone number for SMS for customer care such non-payment and its intention to report the
services, contact details of Grievance cardholder as defaulter to the Credit Information
Redressal Official: The Cardmember can Companies (CIC) in case the cardholder fails to
contact HDFC Bank Credit Cards for making any pay the Minimum Amount Due or the total
enquiries or for any grievance redressal through: amount due within 7 (seven) days.
• Call centres: 1800 202 6161 / 1860 267 6161 ii. Procedure for withdrawal of default report
within India / +91 22 6160 6160 from outside and the period within which the default report
India would be withdrawn after settlement of dues

In case the cardholder makes the payment of control regulations, law of the land or of the
either the Minimum Amount Due or the total Regulatory authorities as applicable from time to
amount due after the expiry of 7 (seven) days’ time, the card will not be used for transactions
notice period, the Bank shall update the status involving Forex trading, lottery, betting, gambling,
within 30 (thirty) days from the date of settlement dating, Bitcoins, Virtual currency which I/We
of dues. In case a transaction is disputed by undertake as my/our responsibilities to keep
customer, a temporary credit equivalent to the myself/ourself updated of and in the event of any
amount disputed by customer will be provided to failure to do so , I/We will be liable for action
the Credit Card account of the customer. under the Foreign exchange management act
1999 or its statutory modifications or re-
iii. Recovery procedure in case of default
enhancement thereof.
In case of default, upon a demand made by the
bank, if the balance amount due on the card is ii. Link provided exclusively for the above on
not repaid within the prescribed time; bank shall the website
have a right of lien and set-off without notice on In case any customer wishes to close / surrender
all monies belonging to the Cardmember and/or the card – the customer may place the request
Add- on Cardmember held in any account or in through below channels.
custody of the bank. During settlement of
Channels Path / Contact details
redemption, in case available Reward Points
balance is lesser than Points required for the www.hdfcbank.com > Log in >
transaction, the bank reserves rights to debit the Credit Cards > Card Control >
MyCards
differential amount on the Customers Services > Other Action > Card
Card/Account. Closure
iv. Recovery of dues in case of death / Visit www.hdfcbank.com >
permanent incapacitance of cardholder EVA Click on EVA icon > Type
The death or incapacity of Cardmember including Closure of Credit Card.
insolvency, dissolution, bankruptcy or winding Branch Simply visit branch and speak
up, shall automatically result in cancellation of the Banking to our staff
card issued to the Cardmember as well as any
Add-on Cardmembers. The card would also be iii. Contact details for the cardholder to
liable to be suspended on instructions from any initiate closure / hotlisting – email-id,
Government or Regulatory body. On cancellation dedicated telephone number for SMS, IVRS
or suspension of the card, all amounts
outstanding on the card account shall be deemed Path / Contact details
Channels
to have become due immediately.
Phone
Notwithstanding the Cardmember’s obligation to 1800 202 6161 / 1860 267 6161
pay all outstanding amounts forthwith, Bank shall Banking/ (accessible across India)
be entitled to recover the same in accordance IVR
with the relevant laws in force. 70700 22222 > Type Close Credit
WhatsApp
Card > Option will be displayed for
v. Available insurance cover, if any, for Banking
hotlisting
cardholder and date of activation of policy
including nomination details Write us at
Email customerservices.cards@hdfcbank.
Select Credit Card variants have a
com
complimentary insurance cover on the Card. The
policy coverage starts from the date of the Credit Once the request is raised through above
Card set up. For information on updating channels, no transaction can be made through
nominee details and terms and conditions, the card from immediate effect as the same will
please refer to usage guide. be blocked.
Any transactions incurred by the Cardmember
E) Termination / Revocation of Card prior to the closure of card, and which is
Membership presented / claimed at a later point by the
i. Procedure for surrender / closure of card merchant shall be billed to the Cardmember for
by cardholder: I/ We understand that the usage effecting necessary payments towards such
of the HDFC Bank International Credit Card(s) transactions. The Cardmember shall be is
shall be strictly in accordance with exchange obligated to pay for any transactions which were

incurred prior to the closure date of the card and by the Bank. Bank's decision in this regard shall
the Bank shall report these outstanding be final and binding on the customers.
payments of the Cardmember to CICs, if unpaid. In such a situation, the Cardmember must
If a credit card has not been activated or used (subject to any default or other notice required by
within 30 (thirty) days of card open date., the law) immediately pay HDFC Bank the total
Bank shall intimate the cardholder about non- outstanding balance on the Account. This
usage or non-activation of the card and request includes all amounts due to HDFC Bank under
the cardholder to activate or start using the card the Agreement, including all transactions and
within 7 (seven) days from the date of such other amounts not yet charged to the Account.
intimation. If the cardholder does not start using The card will not be considered as closed until
the card within a period of 7 (seven) days, the the Cardmember has paid all such due amounts
card account shall be closed by the Bank. New Variant will be issued when a customer
In case the Bank notices unusual and abnormal request for a reissue of Hot-listed Phased
transaction patterns in the use of the Card, the out/Actively not sourced cards. We will be
Bank will try to establish contact with the offering a currently active variant in place of the
customer on the registered phone number of the phased-out card. Please note that when an Add-
customer available on its records to verify the On request is received from a customer who is
bonafideness of the card transaction. Failure on using a phased-out card, then the Add-On
the part of the Bank to establish contact with the request will be accepted, but the customer will
customer, the Bank may restrict/terminate the receive a new market active Primary and Add-On
use of the Card without any further notice, if the card in place of the old variant.
Bank reasonably believes it necessary for the iv. Procedure for closure of card account if
sake of the Cardholder and for security reasons the card has not been used for more than one
HDFC Bank can suspend the facility on the Credit year
Card, if the Cardmember defaults on payment Please note that if a credit card has not been
due or exceeds the credit limit extended. The used for a continuous period of 1 (one) year, the
Credit Card must not be used after the Bank will intimate the cardholder about non-
Agreement has ended or if the card account is usage of the card and request the cardholder to
suspended. start using the card within 30 (thirty) days from
With a view to ensure that the Credit Card is the date of such intimation. If either no reply is
being used as per the regulatory guidelines, received from the cardholder or the cardholder
Terms and Conditions and applicable policies of does not start using the card within a period of 30
the Bank, Bank shall have a right to run periodic (thirty) days, the card account shall be closed by
checks on the Credit Card usage to identify the Bank, subject to payment of all dues by the
whether there is excessive utilization of credit cardholder.
limit beyond the sanctioned limit in one statement F) Loss/ Theft/ Misuse of Card
cycle, unusual or excessive utilization at few i. Procedure to be followed in case of loss/
select merchants, possible collusion with theft/ misuse of card-mode of intimation to
merchant and/or usage towards non-personal/ card-issuer: In case of loss / theft / misuse of the
business related requirements, over-use/ misuse card, customer can immediately hotlist / block the
of features/ offers/ programs towards card by raising a request through below channels
accumulation of undue reward points/ cash back
/ other benefits amongst others. Based on the Channels Path / Contact details
usage patterns, if any of these is suspected by www.hdfcbank.com > Log in >
the Bank, Bank may take restrictive action on the Credit Cards > Select the Card
Credit Card. Such action can be with immediate Net Banking

from Your Credit Cards >
effect and may include but not be limited to Block
withdrawal of features/ benefits as well as Mobile banking home page >
complete termination of the Credit Card. If any Mobile Pay > Credit Cards > Select
such action is taken by the Bank onus will be on Banking the Card from Your Credit
customer to provide satisfactory proof of bona Cards > Block
fide usage to reinstate the Credit Card and MyCards - https://mycards.hdfcbank.com
attached features/ benefits as may be deemed fit PWA > enter registered mobile#>

Card control > Services > D) The Cardholder is under obligation to take all
Security > Hotlist appropriate steps to keep the card (including the
Visit www.hdfcbank.com > add-on card/s) safe and not to record the PIN,
EVA Click on EVA icon > Credit One Time Password (OTP) or any other
Card Service > Block Card token/code issued from time to time, in any form
Phone that would be retrievable or otherwise accessible
1800 202 6161 / 1860 267 to any third party if access is gained to such a
Banking /
6161 (accessible across India) record, either honestly or dishonestly.
IVR
70700 22222 > Type Hotlist E) HDFC Bank may, without referring to the
WhatsApp Cardmember or any additional
Card > Option will be
Banking
displayed for hotlisting Cardmember, give the police or other relevant
A) The Cardmember must notify the 24-Hour Call authorities any information that HDFC Bank
Center immediately if the Primary Card or any consider relevant about the loss, theft, misuse of
Additional credit card is misplaced, lost, stolen, a Card or PIN.
mutilated, not received when due or if he/she F) An optional insurance product may be availed
suspects that the Credit Card is being used of by the card members, at his/her own
without Cardmember's permission. Once a card discretion, to cover the liability arising in the event
is reported lost, it should not, under any of any fraudulent transactions on the Credit Card.
circumstance be used if found by the For further details and terms and conditions of
Cardmember subsequently. As the Add-On card such Insurance cover, kindly contact our
is an extended facility given on the Primary Card representative of the Bank.
Account, the Add-on card is rendered invalid G) HDFC Bank Contactless Cards allows you to
when the primary card is reported lost. Similarly, pay with a simple tap. To make a transaction of
if the Add-on card is reported lost, the primary ₹5,000 or less, just tap to pay with your
Card Account and other Add-on cards will be contactless card and you won't need to sign or
invalidated from usage. enter any PIN. Contactless transactions are as
B) The Bank is not liable or responsible for any secured as any chip or PIN based transactions.
type of transaction (Online/Physical/Contactless The Bank is not liable or responsible for any
(Tap and Pay or Wifi/Others) transaction incurred transactions incurred on the Card Account prior
on the card account prior to time of reporting of to time of reporting or delay in reporting of the
the loss of the card, and the Cardmember will be loss or misuse of the card and the Card member
wholly liable for the same. Card swipe will be wholly liable for the same. Terms and
transactions may get processed by merchants Conditions mentioned in the card member
without PIN / additional authentication like OTP, agreement is applicable for all contact-less cards
when it is initiated on merchants located outside and contact-less transactions.
India as it may not be a mandate in those ii. Web-site link, phone banking, SMS, e-mail,
countries. Cardmember is wholly liable for all IVR, a dedicated toll-free helpline, reporting to
transactions prior to reporting of loss of the card. nearest branch, etc. for reporting
After the receipt of proper notification of the loss unauthorised transactions and initiating
by the bank, the Cardmember's subsequent blocking of card
liability is zero. In addition to notifying HDFC If customer suspects any unauthorised
Bank about the loss or theft of the card, the transaction, customer should inform the bank
Cardmember must report any theft of cards to the through channels mentioned in Section E(ii) &
Police and lodge a Police Complaint and provide E(iii) for blocking of card to avoid further
a copy of Police complaint to the Bank.
unauthorised transaction or misuse.

C) The Cardmember will be liable for all losses in iii. Liability of cardholder in case of (i) above
case of misuse of the card by someone who in terms of RBI circular ref.
obtained the PIN or the card or OTP with or DBR.No.Leg.BC.78/09.07.2005/2017-18 dated
without the consent of Cardmember or an July 6, 2017 on ‘Customer Protection –
Additional Cardmember. If the Cardmember has Limiting Liability of Customers in
acted fraudulently the Cardmember will be liable Unauthorised Electronic Banking
for all losses. If the Cardmember acts without Transactions’ as updated from time to time:
reasonable care, the Cardmember may be liable
In case of loss/ theft/ misuse of card, the Bank
for all losses incurred.
shall be guided by the ‘Customer Protection

Policy’ updated on the website of the Bank which ii. Timeline for redressal of grievances:
has been formulated based on the RBI circular Customer Grievance will be addressed within a
on Customer Protection – Limiting Liability of period of 30 days, if your issue still remains
Customers in Unauthorised Electronic Banking unresolved or if you have not received response
Transactions’ as updated from time to time. within 30 days of lodging a complaint, you may
(RBI Circular - ref. DBR. No. Leg.BC.78/ approach the Banking Ombudsman appointed by
09.07.2005/2017-18 dated July 6, 2017) the Reserve Bank of India.
Please Note you can refer the Customer iii. Compensation framework for
Protection Policy Note by visiting unsuccessful / failed transactions, delay in
www.hdfcbank.com > Useful Links > Our redressal of grievance, delay in closing of
Corporate Commitments > Customer account / blocking of lost or stolen cards,
Compensation Policy. etc.: In case of unsuccessful transaction / failure,
G) Grievance Redressal and Compensation as per Harmonisation of TAT, the Bank will
Framework reverse blocked amount within 5 days. In case if
i. Grievance redressal and escalation the merchant claims such transaction, the regular
process: dispute process will be followed as per franchise
guidelines which is covered in the compensation
First level touch points: Queries / Feedback /
policy.
Complaints. The customer can reach out to the
The timeline is specified and updated in the
following channels:
compensation policy displayed on the bank
• Online Dispute Resolution website under Our Corporate Commitment >
• Call us Citizens Charter > Customer Compensation
• Visit us Policy > Credit Cards where it is established that
• Write to us the Bank had issued and activated a credit card
• Email us without written consent of the recipient, the Bank
• Report unauthorised e-transactions would reverse the charges immediately and also
pay a penalty without demur to the recipient
(Transactions not done by you)
amounting to twice the value of charges reversed
• Chat with us in this regard. Operation of credit account shall
• Block / Unblock credit card be in accordance with HDFC Bank credit card
• Check your credit card outstanding amount terms and conditions. Transactions reported as
• Credit cards mis-selling or harassment erroneous by customers, which require specific
related complaints reference to a merchant establishment will be
Second level touch points: If you have not handled as per chargeback rules laid down by
received a satisfactory response for your queries card networks (VISA / MasterCard / Diners /
with other channels. Please write to Mr. RuPay). The Bank will provide explanation and,
Shanmugasundar R (Grievance Redressal if necessary, documentary evidence to the
Officer). The Cardmember can contact HDFC customer within a maximum period of sixty days.
Bank Credit Cards for making any enquiries or for Failure on the part of the card-issuers to
any grievance redressal through: complete the process of closure of credit card
• Call Centres: 1800 202 6161 / 1860 267 6161 If within seven working days shall result in a
you are not in India: +91 22 61606160 penalty of ₹500 per day of delay payable to the
• Post: Manager, HDFC Bank Cards P.O. Box customer, till the closure of credit card, provided
8654, Thiruvanmiyur, Chennai - 600 041 there is no outstanding in the credit card account.
• Email:customerservices.cards@hdfcbank.com iv. Contact particulars of card-issuer - 24-
hour call centres, email-ids, helpline, other

• Grievance Redressal Officer: Reach us on
important telephone numbers: The
phone 04461084900 between 09.30 a.m. to
Cardmember can contact HDFC Bank Credit
05.30 p.m. Monday to Friday
Cards by:
Please note that the mechanism and timelines of
• Visit www.hdfcbank.com to know our 24 hours
Grievance Redressal Policy is available on the
call centre number
website – www.hdfcbank.com and the same can
• Infinia / Infinia (Metal Edition) / Diners Black
be accessed by following the path – Our
customers https://www.hdfcbank.com/Infinia for
Corporate Commitment -> Citizens Charter
24 hours dedicated customer care number
-> Grievance Redressal

• Marriott Bonvoy HDFC Bank Customers: Customers can earn cashback through a)
1800 309 3100 For dedicated concierge cashback offers and b) redemption of reward
services (9am – 9pm). points towards cashback.
• Post - Manager, HDFC Bank Cards P.O. Box Cashback credits will not be considered as
8654, Thiruvanmiyur, Chennai – 600 041 payment for the last statement. Customers need
• email: customerservices.cards@hdfcbank.com to effect payment towards the previous statement
H) Disclosure outstanding.
The Cardmember acknowledges that as per Cashback amount credited to the card account
existing business practices, the Bank can will be adjusted towards the next statement
disclose from time to time any information balance.
relating to the Credit Card(s), to any credit bureau Bank shall exercise due care on its part in due
(Existing or Future) The Credit Information course of issuance of card PINs / Codes & and
Companies are an initiative of the Government of the Bank ensures to share any confidential data
India and Reserve Bank of India to improve the of the customer/ cardholder only with the said
functionality and stability of the financial system. customer/ Cardholder.
All banks and financial institutions participating in The cashback awarded or credited on the
this initiative are required to share customer data Swiggy HDFC Bank Credit Card shall be in the
with Credit Information Companies and this form of Swiggy Money available on Swiggy app,
information is being provided in the terms of the which shall be calculated as a percentage of the
Credit Information Companies Regulation Act, spends with capping per calendar month. For
2005. In view of this we wish to inform the further details of cashback earned on Swiggy
Cardmember that the bank can disclose any HDFC Bank Credit Card please see the terms
information relating to credit card(s) default by and conditions available at Swiggy HDFC Bank
the customer to the Credit Information Credit Card product page on
Companies to any other credit bureau (Existing www.swiggy.com,
and Future) in case the card is overdue, with due
Swiggy One Membership shall be governed by
intimation to the cardholder. The Bank hereby
informs the Cardmember that fresh/ update on terms and conditions available at
cardholder’s data on receipt of payment towards https://www.swiggy.com/terms-and-conditions.
overdue card accounts will reflect in CIBIL / other The reward points awarded or credited on the
credit bureaus within a period of 30 (Thirty) days Marriott Bonvoy HDFC Bank Credit Card shall be
from the date of receipt of payment by the bank.
in the form of Marriott Bonvoy Points, which shall
We also wish to inform the Cardmember that the
bank will, at its own discretion, record specific be calculated as a percentage of the spends. The
conversations between the Cardmember and the reward points are not static and may be subject
representative of the Bank, in cases of grievance- to special offers, discounts, and benefits as
related conversation or payments-recovery- applicable, from time to time. For further details
related conversations or any other of the reward points awarded or credited on the
conversations, that the Bank may deem fit. Marriott Bonvoy HDFC Bank Credit Card please
I) Reward Points and Cashpoints see the terms and conditions of the Marriott
Reward Points will be earned for transaction Bonvoy HDFC Bank Credit Card available at
amounts in multiples of ₹150, residual amounts product page on
or transactions below ₹150 will not earn Reward www.hdfcbank.com/personal/pay/cards/credit-
Points. For Silver cards and Freedom Plus cards, and the terms and conditions of the
Cards, Reward Points are earned on Marriott Bonvoy Program available at

transactions amounts in multiple of ₹200, https://www.marriott.com/loyalty/terms/default.m
residual amounts or transactions below ₹200 will
i
not earn Reward Points. For IRCTC HDFC Bank
Credit Card Reward Points are earned on The reward points awarded or credited on the
transaction amounts in multiple of ₹100, residual Tata Neu Plus/Infinity HDFC Bank Credit Card
amount or transaction below ₹100 will not earn shall be in the form of Tata NeuCoins, which shall
Reward Points. be calculated as a percentage of the spends. The
reward points are not static and may be subject
to special offers, discounts, and benefits as

applicable, from time to time. For further details For all future Reward points/Cash points that will
of the reward points Tata Neu Plus/Infinity HDFC be accrued after 18th Mar’20, the above validity
Bank Credit Card please see the terms and norms will be applicable as per the card variant.
conditions of the Tata Neu Plus/Infinity HDFC Customers* who have received their upgraded,
Bank Credit Card available at product page on replaced, renewal or re-issued cards before 18th
www.hdfcbank.com/personal/pay/cards/credit- Mar 2020 and have also been a card member*
cards, and the terms and conditions of the Tata on or before 30th June 2015: then their accrued
Neu Loyalty Program available at reward/cash points will continue to be valid till the
date of the next card upgrade/migration,
www.tatadigital.com/terms-and-conditions
replacement, renewal, or re-issuance. Post
Credit Card purchases done via UPI mode will which the reward/cash points will have limited
earn reward points upto a maximum of 500 points validity as per card variants explained above.
in a calendar month. For details, refer Bank’s Validity of Swiggy Money earned on Swiggy
website HDFC Bank Credit Card shall be as per the terms
a. Reward Point Validity: Reward Points are and conditions on Swiggy app www.swiggy.com.
valid only for 2 years from the date of Swiggy Money will expire post 1 year of earning
accumulation. e.g.: - if you have received Reward the cashback.
Points in the month of May 2015, then the same For Marriott Bonvoy HDFC Bank Credit, the
will expire in May 2017, except for Infinia / Infinia Marriott Bonvoy Points accrued will not expire as
(Metal Edition) Diners Black for which reward long as there is point earning or Point redemption
points are valid for 3 years, and Easy EMI cards activity at least once every 24 months in your
on which cash points are valid for 1 year. Marriott Bonvoy Member Account
Important notice for Customers who have been Validity of the Tata Neu Coins earned on the Tata
card members on or before 30th June 2015: Neu Plus/Infinity HDFC Bank Credit Card shall be
W.e.f. 18th March 2020, when you receive a new as per the terms and conditions of the Tata Neu
credit card due to upgrade/migration, Plus/ Infinity HDFC Bank Credit Card available
replacement, renewal, or re-issuance, etc, the onwww.hdfcbank.com/personal/pay/cards/credit
reward points already accumulated earlier, will cards, and the terms and conditions of the Tata
have limited validity between 1 to 3 years from Neu Loyalty Program available at
the date of transfer, depending on the card www.tatadigital.com/terms-and-conditions
variant. b. EasyEmi and e-wallet loading transaction will
• For EasyEMl cards, the Cash points accrued not accrue Reward Points.
earlier will be valid for 1 year from the date of card c. Reward Points accrued will be reversed if a
upgrade / migration, replacement, renewal, or re- retail transaction is converted into SmartEMI.
issuance. d. W.e.f. 20th Dec 2019, Reward Points accrued
• For Infinia/Infinia (Metal Edition)/Diners Black for insurance transactions will have a maximum
cards, the Reward points will be valid for 3 years cap of 5000 per day for Infinia, Infinia (Metal
from the date of card upgrade/migration, Edition) & Diners Black cards and 2000 per day
replacement, renewal, or re-issuance, for all other credit cards.
• For all other card variants, the Reward e. For Marriott Bonvoy HDFC Bank Credit Card,
points/Cash points accrued (as per feature), will insurance transactions will have no capping on
be valid for 2 years from the date of card Marriott Bonvoy Points accrual.
upgrade/migration, replacement, renewal, or re- f. With effect from 1st Jan 2023, Reward Points
issuance, redemption for flights & hotels bookings are
e.g., Customer was issued a Regalia First credit capped per calendar month at 1,50,000 reward
card on Feb’14. His/her card which has points for Infinia, 75,000 reward points for Diners
accumulated 50,000 reward points is being Black and 50,000 reward points for all other
replaced (due to lost card, renewal etc) in cards.
May’20. Post replacement, his/her reward points g. With effect from 1st Jan 2023, Reward Points
balance of 50,000 will now have a validity of 2 redemption for Tanishq vouchers are capped to
years from the date of transfer i.e., these points 50,000 reward points per calendar month for
would expire on May’22 if not utilized. Infinia cards.

h. With effect from 1st Feb 2023, Reward Points o. The Bank reserves the right to cancel or
redemption for CashBack redemption are suspend Reward Points accrued on the Credit
capped per calendar month to 3000 rewards Card if it is in arrears, restructured, suspension or
points for Millennia, Easy Emi millennia, Bharat, default or if the Card Account is or is reasonably
Pharmeasy and Paytm cards and 50,000 reward suspected to be operated fraudulently. Reward
points for all other cards. Points earned but not redeemed at the time of
i. With effect from 1st Feb 2023, cardmembers death of the Cardmember shall be forfeited.
can redeem upto 70% of product/Voucher value p. When the card member receives a merchant
through Reward Points on select refund for a transaction incurred earlier on the
vouchers/products and pay the remaining card it will be credited to the card account upon
amount via Credit card. This is not applicable for receipt. If the said refund amount is greater than
Infinia and Diners black cards. the last statemented balance / billed outstanding,
j. With effect from 1st Jan 2023, then the excess amount post adjustment against
• Rent payments will NOT earn Reward Points last statement balance / billed outstanding will be
on all the cards. refunded to your account, provided the said
• Government related transactions will NOT merchant refund had originated from a
earn Reward Points on all the cards except transaction incurred prior to the last statement
Business Regalia, Business Regalia first, date. If you have not furnished your account
Business Money back, CSC small business number for such credits, kindly call to
moneyback, Paytm Business, Flipkart phonebanking to issue DD or visit our nearest
Business, Retailio, Best Price Save Smart, branch for updating the account number.
Best Price Save Max and Pinelabs If the merchant refund received pertains to a
• Education related transactions will NOT earn recent transaction incurred post the last
Reward Points on Business Regalia, statement date, then the refund received will be
Business Regalia first, Business Money back, credited to card account and adjusted against the
CSC small business moneyback, Paytm original transaction.
Business, Flipkart Business, Retailio, Best Such credits posted to the Card Account
Price Save Smart, Best Price Save Max, including but not limited to those arising from
Swiggy HDFC Bank Credit Card and Pinelabs returned goods or services or cancelled
k. With effect from 1st January 2023, Reward transactions, the Reward Points or cashpoints
Points earned on Grocery transactions will be accrued as per product feature will be reduced /
capped per month to: reversed / adjusted.
• 2000 Reward Points for Infinia, Diners Black, In case of cancellation of E vouchers that were
Regalia, Regalia Gold, Regalia first, Business availed by redeeming reward points, the
Regalia, Business Regalia first, Diners restoration of reward points, if allowed at
Privilege, Diners Premium, Diners Clubmiles, the discretion of the Bank, would be allowed at
Tata Neu Infinity cards, Marriott Bonvoy same rate at which the E vouchers were
HDFC Bank Credit Card and, redeemed.
• 1000 reward points for the rest of the cards q. For flight and hotel bookings, Credit Card
l. With effect from 1st Apr 2023, reward points members can redeem up to a maximum of 70%
earned on Grocery transactions will be capped to of the booking value through Reward Points.
2000 per month for 6E Rewards XL-Indigo HDFC Rest of the transaction amount will have to be
Bank Credit C paid via the same Credit Card limit. This applies
m.Tata NeuCoins accrued shall be utilizable in to Infinia, Infinia (Metal Edition) and Diners Black
accordance with the terms and conditions of the cards w.e.f. 25th July 2020. This is applicable to
Tata Neu Plus/ Infinity HDFC Bank Credit Card retail and business card variants of Regalia,
available at product page on Regalia First, Regalia Gold and other Diners card
www.hdfcbank.com/personal/pay/cards/credit- variants (ClubMiles, Rewardz, Privilege,
cards, and the terms and conditions of the Tata Premium) since 25th Nov 2019. This condition
Neu Loyalty Program available at applies for transactions done on HDFC Bank
www.tatadigital.com/terms-and-conditions. Smartbuy or the dedicated website portals of the
bank for the respective card variants.
n. If the Credit Card is not used for more than
365 days, Reward Points accrued will be nullified. r. For flight and hotel bookings, Credit Card
members can redeem up to a maximum of 50%

of booking value through Reward Points. Rest of Gold, Regalia, Business Regalia, Diners
the transaction amount will have to be paid via Privilege,Diners ClubMiles,Diners Premium
the same Credit Card limit. This condition applies is 50,000.
to all cards other than those mentioned in above • The maximum reward points that can be
point (i) The cards are grouped as Regular, earned in a statement cycle for Regalia
Cashback, Premium, Premium Travel, First,Business Regalia First is 25,000.
Professional, Co-branded and Business cards on
• The maximum reward points that can be
the bank's website. This condition applies for
earned in a statement cycle for Money back,
transactions done on HDFC Bank Smartbuy. This
is in effect from 10th June 2019. (The limit Money back plus, Diners Rewards, Freedom
mentioned under point (p) and (q) above do not Card, Business Moneyback is 15,000.
apply to the Marriott Bonvoy Points. Please refer J) Other Important Information
to the terms and conditions of the Marriott a) HDFC Bank UPI RuPay/ UPI RuPay Biz
Bonvoy Program available at Credit Card: No physical Credit Card will be
https://www.marriott.com/loyalty/terms/default.m provided for customers who were issued with
i HDFC Bank UPI RuPay/ UPI RuPay Biz Credit
s. If the Credit card is blocked due to hot listing Card and it will be a virtual only card. The virtual
i.e. lost, stolen, etc (or) Card is Returned i.e. not card details will be available in the MyCards
delivered due to address change, etc (or) platform. Customers can call on the IVR number
resident card holder holding a Non-resident (1860 266 0333) to set the PIN of their virtual
account (or) de-activation of card till card holder card.
authorization and is not re-activated within 6 K) Lounge Access
months from block placement - For such cases Priority Pass - Charge of $27 + taxes, will be
Reward Points accrued in the card will be applicable on all the lounge visits exceeding the
nullified. complimentary limit.
t. Customers can earn cashback through Infinia, Infinia (Metal Edition): Complimentary
redemption of reward points towards cashback. priority pass membership for Primary and add-on
Cashback credits will not be considered as card holders with unlimited lounge access for
payment for the last statement. Customers need priority pass card holder.
to effect payment towards the previous statement Diners Club Credit Card - All visits exceeding the
outstanding. complimentary limit will be charged at the
u. W.e.f Jan’23 Reward Points earned through prevailing lounge rate inclusive of taxes. Card
transaction having Instant Discount / Cashback validation charges for the lounge will be levied
offered by HDFC Bank will be invalid & debited in and not reversed.
120 days of posting. Please ensure the safety of your Priority Pass to
v. For Closed Cards: avoid misuse. The priority pass is not
• Reward points will be available for transferable. Bank has the right to withdraw the
redemption only for 30 days from the date of Priority Pass membership, or any other benefit
card closure. Points will get lapsed post 30 associated with your credit card if your card is
days of card closure. closed or remains inactive for more than 90 days.
• Reward Points redemption is allowed only These charges will be billed on your subsequent
towards products/vouchers. statement within 90 days of date of visit and this
transaction will not accrue Reward Points.
• Cashback redemptions are not allowed on
Currency conversion rate is applicable as on the
closed cards.
date of settlement.
w. Fair Usage Policy as of Oct’23:
L) Goods and Services Tax (GST): Applicable
• The maximum reward points that can be
on all Fees, Interest, and other Charges. The
earned in a statement cycle for Infinia/infinia applicable GST would be dependent on place of
Metal is 2,00,000. provision (POP) and place of supply (POS). If
• The maximum reward points that can be POP and POS are in the same state then
earned in a statement cycle for Diners Black applicable GST would be CGST and SGST /
is 75,000. UTGST else, IGST. GST For FEE & Charges /
• The maximum reward points that can be Interest transactions Billed on statement date will
earned in a statement cycle for Regalia reflect in next month statement. GST levied will

not be reversed on Any dispute on Fee & N) Most Important Terms and Conditions in
Charges / interest. Regional Languages
M) TDS on withdrawals above Rs 1 crore: Please Visit www.hdfcbank.com for information
TDS@2% is applicable on aggregate cash on MITC in regional languages, Options available
withdrawals exceeding Rs 1 Cr from accounts 1) Hindi 2) Kannada 3) Malayalam 4) Telugu 5)
and cards, in a FY. Visit www.hdfcbank.com for Tamil 6) Bengali 7) Marathi 8) Gujarati 9) Punjabi
details. 10) Oriya 11) Assamese
In line with RBI mandate, basis the nature and The Cardmember hereby acknowledges that the
purpose of the transactions carried out on your Most Important Terms and Conditions available
credit card, customers are advised not to make in regional languages at www.hdfcbank.com is
any payments to the credit card through FCRA the representative text of the English version of
accounts. In case, if any payments are observed the Most Important Terms and Conditions.
through these accounts, customer may receive a
notice from the Ministry of Home Affairs seeking The Cardmember agrees and acknowledges that
explanation for such payments. in the event of any inconsistency between the
Please select APR calculator from Important texts in English and regional languages of the
document tab in the below link: Most Important Terms and Conditions, the text in
https://www.hdfcbank.com/personal/pay/cards/c English shall prevail and shall be binding on the
redit-cards/membership-kit Cardmember
Customer Compensation Policy is displayed on the bank website under Our Corporate
Commitment > Citizens Charter > Customer Compensation Policy > Credit Cards
For any sales queries on mis-selling / harassment / complaints, please write to
salesqueriescards@hdfcbank.com or call at 18002583838
For Credit Card services like Checking Your Reward Points, Converting Eligible Spends to EMI
and Reporting Credit Card Disputes through SMS, please send an SMS to 7308080808.
There are no pre-defined keywords and you can type your own query to use this facility.
PHONEBANKING NUMBERS
1800 202 6161 / 1860 267 6161 If you are not in India: +91 22 61606160
If you don’t wish to be called about our products and services, kindly login to our website:
www.hdfcbank.com and register yourself in our Don’t call Registration option. Card account levied
with late payment charges in the latest generated statement will be exempted from the cash
processing fee.
O) Additional Schedule - Income Recognition, Dues: mean, the principal/ interest/ any charges
Asset Classification and Provisioning pertaining levied on the loan account which are payable within
to Advances- Clarifications (IRACP) the period stipulated as per the terms of sanction of
the credit facility/payment due date mentioned in the
With reference to the Credit Card application
monthly statement.
submitted by me/by us, l/we confirm having
understood the following concepts and illustrative Overdue: Means, the principal interest/ any charges
examples (as detailed below) related to due dates, levied on the loan account which are payable but
classification of my/our Card/loan accounts as have not been paid within the period stipulated as per
Special Mention Account (SMA)/ Non-Performing the terms of sanction of the credit facility. In other
Asset (NPA) in the course of the conduct of the words, any amount due to the bank under any credit
accounts. facility is 'overdue' if it is not paid on the due date fixed
by the bank.
Also understand that loan account referred herein
shall be applicable to both the credit card and/or any Appropriation of payments: Payments received
other additional loan that may avail from the bank against the Cardmember’s card outstanding will be
based on the credit card if the application is approved. adjusted against all pre-closure, GST, fees and
charges, EMI, cash advances and retail purchases in
(The additional loans would be applicable for cards
that order.
issued to individual only & subject to certain eligibility
criteria and includes loans given within the credit card If in any loan account as on 01.02.21 there are no
sanctioned limit or as a separate facility based on over dues and an amount of ₹X is due for payment
credit card) towards principal instalment / interest / charges, any
payment being credited on or after 01.02.21 in the
Concepts / Clarifications / Illustrative Examples
loan account will be used to pay off the dues
outstanding on 01.02.21.

Assuming that nothing is paid or there is partial Basis for classification - Principal or
SMA Sub-
payment (₹Y) of dues during February month, the interest payment or any other
categories
overdue as on 01.03.21 will be ₹X-Y. amount wholly or partly overdue
Additionally, an amount of ₹Z becomes due as on SMA-0 Up to 30 days
01.03.21, Now any payment/ partial payment into SMA-1 > 30 days and up to 60 days
the account on or after 01.03.21 will be first SMA-2 > 60 days and up to 90 days
utilized to pay off the partial due of 01.02.21 (₹X
Non-performing Asset: Non-Performing Asset
- ₹Y) If there is more recovery than the ₹X - ₹Y. (NPA) is a loan or an advance where: A term loan
then. After recovering dues of 01.02.21, the remaining where interest and/ or instalment of principal remains
amount will be treated as recovery towards due of overdue for a period of more than 90 days, A credit
01.03.21. card account will be treated as non-performing asset
Age of oldest Dues: The age of oldest dues is if the minimum amount due, as mentioned in the
reckoned in days from the date on which the oldest statement, is not paid fully within 90 days from the
payment is due and continues to remain unpaid in the payment due date mentioned in the statement.
aforesaid illustration, if the Dues relating to 1st Feb’21 Illustrative movement of an account to SMA category
remain unpaid till 01.03.21, the age of the oldest dues to NPA category based on delay 1 non-payment of
is reckoned as 29 days on 02.03.21. dues and subsequent upgradation to Standard
Classification as Special Mention Account (SMA) category during End of Day (EOD) process
and Non-Performing Asset (NPA) Lending (considering February as a non-leap year month):
institutions will recognize the incipient stress in loan Dues referred hereinto is the Minimum Amount Due/
accounts, immediately on Default, by classifying them EMl amount as mentioned in the loan statement.
as Special Mention Accounts (SMA) The basis of
classification of SMA / NPA Category shall be as
follows:
Outstanding in the Credit card account or
Additional Loan thereon (For credit card dues
referred hereinto is the Minimum Amount Due
as mentioned in the card statement)
Age of
SMA 1
oldest SMA since/ NPA
Payment Payment NPA
Payment covers dues in SMA class categorizat NPA Date
Due date Date Categorisa
days date ion
tion
covers
Payment Dues as mentioned
01.02.22 01.02.22 0 NIL NA NA NA
in the statement up to 01.01.22
No payment or part payment of
01.02.22 01.02.22 1 SMA-0 01.02.22 NA NA
- dues of 01.02.22
No payment or part payment of
01.02.22 01.02.22 2 SMA-0 01.02.22 NA NA
- dues of 01.02.22
Dues of 01.02.22 not fully paid
01.03.22 01.03.22 is also due at EOD 29 SMA-0 01.02.22 NA NA
01.03.22
Dues of 01.02.22 fully paid,
Due for 01.03.22 not paid at 1 SMA-0 01.03.22 NA NA
EOD 01.03.22
No payment of full dues of
01.02.22 /
01.02.22 AND 01.03.22 at 31 SMA-1 NA NA
03.03.22
EOD 03.03.22
Dues of 01.02.22 fully paid,

Due for 01.03.22 not fully paid 1 SMA-0 01.03.22 NA NA
at EOD 01.03.22
NO payment of dues of
01.02.22, 01.03.22 and 01.02.22 /
01.04.22 60 SMA1 NA NA
amount due on 01.04.22 at 03.03.22
EOD 01.04.22
No payment of dues of
01.02.22 /
01.02.22 till 01.04.22 at EOD 61 SMA 2 NA NA
02.04.22
02.04.22

Classification - Internal
Age of
SMA 1
oldest SMA since/ NPA
Payment Payment NPA
Payment covers dues in SMA class categorizat NPA Date
Due date Date Categorisa
days date ion
tion
covers
01.02.22 /
01.05.22 01.02.22 till 01.05.22 at EOD 90 SMA 2 NA NA
02.04.22
01.05.22
01.02.22 till 0105.22 at EOD 91 NPA NA NPA 02.05.22
02.05.22
Fully paid dues of 01.02.22 at
01.06.22 01.06.22 93 NPA NA NPA 02.05.22
EOD 01.06.22
paid entire dues of 01.03.22 &
01.07.22 01.07.22 62 NPA NA NPA 02.05.22
01.04.22 at EOD 01.07.22
Paid entire dues of 01.05.22 &
01.08.22 01.08.22 32 NPA NA NPA 02.05.22
01.06.22 at EOD 01.08.22
Paid entire dues of 01.07.22 &
01.09.22 01.09.22 1 NPA NA NPA 02.05.22
01.08.22 at EOD 01.09.22
Standard
paid entire dues of 01.09.22 & Account STD from
01.10.22 01.10.22 0 NA NA
01.10.22 with No 01.10.22
Over dues
l/we also understand that the aforesaid few examples are illustrative and not exhaustive in nature
covering common scenarios, and that, the IRACP norms and clarifications provided by RBI on the
subjects referred above will prevail.

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KEY FACT STATEMENT CUM MOST IMPORTANT TERMS & CONDITIONS FOR CREDIT CARDS

A) Fees and Charges .................................................................................................................... 2

78/09.07.2005/2017-18 dated July 6, 2017 on ‘Customer Protection – Limiting Liability of

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for annual fee

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₹49 / Month ₹ Rs.30,000 within 90

₹29 / Month ₹ Rs.1,000 within 30

₹20,000 within 90 days

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Markup fee of 1% will be levied on all payment is made in full.

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₹1,000 Balance and finance charges and 100% of

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reason thereof, by SMS or e-mail followed by

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Credit Card. Such action can be with immediate Net Banking

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unauthorised transaction or misuse.

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hour call centres, email-ids, helpline, other

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Cards, Reward Points are earned on Marriott Bonvoy Program available at

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Dues of 01.02.22 fully paid,

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