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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 ................................................................................................... 9
B) Drawal Limits ............................................................................................................................ 9
i. Credit limit ............................................................................................................................ 9
ii. Available credit limit ............................................................................................................. 9
iii. Cash withdrawal limit ........................................................................................................... 9
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 ................................................................................................... 11
i. Procedure including notice period for reporting a cardholder as defaulter: ........................ 11
ii. Procedure for withdrawal of default report and the period within which the default report
would be withdrawn after settlement of dues ..................................................................... 11
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 ...................................................................................... 12
iv. Procedure for closure of card account if the card has not been used for more than one year
........................................................................................................................................... 13
F) Loss/ Theft/ Misuse of Card .................................................................................................. 13
i. Procedure to be followed in case of loss/ theft/ misuse of card-mode of intimation to card-
issuer: ................................................................................................................................ 13
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
........................................................................................................................................... 14
iii. Liability of cardholder in case of (i) above in terms of RBI circular ref. DBR.No.Leg.BC.
Version 2.1 Dated – Oct-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:
........................................................................................................................................... 14
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 ............................................................................................................ 15
Page 1 of 21 Back to Table of Content

H) Disclosure ............................................................................................................................... 15
I) Reward Points and Cashpoints ............................................................................................ 15
J) Other Important Information ................................................................................................. 19
K) Lounge Access ....................................................................................................................... 19
L) Goods and Services Tax (GST) ............................................................................................. 19
M) TDS on withdrawals above Rs 1 crore ................................................................................. 19
N) Most Important Terms and Conditions in Regional Languages ........................................ 19
O) Additional Schedule ............................................................................................................... 20
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
Card variant membership fee / Transactions
membership Surcharge
renewal charges for % Of transaction
Fee (Plus GST) **
next year * value ***
Infinia (Metal Edition) ₹12,500 ₹10 Lakh / Annum Waiver capped
at ₹1000 every
Infinia ₹8 Lakh / Annum billing cycle
Diners Black Metal
₹8 Lakh / Annum Not Applicable
Edition
Waiver capped
₹10,000
Diners Black ₹5 Lakh / Annum at ₹1000 every
billing cycle
Waiver capped
H.O.G Diners Club
₹5 Lakh / Annum at ₹1000 every
Credit Card
billing cycle
Waiver capped
Times Titanium/Times
₹499 ₹1.5 lakh / Annum at ₹250 every
Card Credit 2%
billing cycle
Regalia Gold ₹4 Lakh / Annum NA
Regalia, Business
Regalia, Diners Waiver capped
Privilege, Diners Club ₹2,500 at ₹500 every
Premium, Doctor’s billing cycle

Regalia, Harley- ₹3 Lakh / Annum
For Regalia,
Davidson Diners 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
(Fuel surcharge
waiver not
applicable
Diners Club Rewardz
effective 1st
₹1,000 ₹1 Lakh / Annum Aug’23 for 3%
Diners Privilege/
Harley-Davidson
Diners)
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 -
Waived for
Best Price Save Smart
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 /
NA
₹1,000 Annum for annual fee
AllMiles
₹1 lakh / Annum
Doctors Superia
Paytm HDFC Bank ₹60,000 within 90 days Waiver capped 3.5%
Select Business for 1st year membership at ₹250 every

fee and ₹1 Lakh / Annum billing
for annual fee cycle
Best Price Save Max ₹75,000 / Annum
₹75,000 within 90 days
Pine Labs HDFC Bank for 1st year membership
Pro fee and ₹1,00,000 /
Annum for renewal fee
Paytm HDFC Bank for 1st year membership
Business 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 ₹500
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
(₹500 per
Paytm HDFC Bank 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 /
₹ Rs.1,000 within 30
₹29 / Month
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
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

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 limit on the card on a case-to-case basis subject
use the Card to access cash in an emergency their internal guidelines and policy of the Bank.
from ATMs in India or abroad. A transaction fee a. Railway Ticket Purchase Fee: For IRCTC
of 2.5% (Excluding Infinia, Infinia Metal Edition) HDFC Bank Credit Card: 1% of the transaction
or ₹500 whichever is higher would be levied on amount as Railway Ticket Purchase fee will be
the amount withdrawn and would be billed to the waived off as a charge reversal. Charges will be
Cardmember in the next statement. The reversed post transaction.
transaction fee is subject to change at the (Refer IRCTC website for detailed fee structure)
discretion of HDFC Bank. All cash advances also b. Conversion charges - Auto EMI: Applicable
carry a finance charge equal to charges on on all transactions (Excluding Fuel, Gold, and
revolving credit (Refer schedule of charges) from Jewellery) of Rs 10,000/- or more done on Easy
the date of withdrawal until the date of full EMI Credit Card. EMI conversion will be done for
payment. The finance charge is subject to a tenure of 9 months, at an ROI of 20% per
change at the discretion of HDFC Bank. annum, and processing fee of Rs 99 + GST for
(Not Applicable for Paytm HDFC Bank Digital
all loan amount.
Credit Card as cash withdrawal is not allowed.)
c. Charges on overlimit account: 2.5% of
iii. Service charges levied for transactions:
overlimit amount, subject to a minimum of ₹550
Charges and fees, as may be applicable from (Not applicable for Paytm HDFC Bank Digital
time to time, are payable by Cardmembers for Credit Card as no over limit facility is provided)
specific services provided by HDFC Bank to the
Cardmember or for defaults committed by the d. Payment Return Charges: 2% of Payment
Cardmember with reference to their card amount subject to minimum of ₹450
account. e. Late Fees: Rs 500 plus GST will be levied for
HDFC Bank retains the right to alter any charges Insta Jumbo loans in case of non-payment/partial
or fees from time to time or to introduce any new payment of EMI outstanding.
charges or fees, as it may deem appropriate, with f. Cash Processing Fee: ₹100 (for all card
due intimation to the customer. For interest rates, payments made by depositing in HDFC Bank
pre-closure, and cancellation charges on Loan branches or ATMs)
on Credit Cards, please visit g. Rewards Redemption Fee: ₹99 Per
www.hdfcbank.com/personalproducts/loans/loan redemption request - Applicable for all cards
-on-credit-card other than Infinia/ Infinia (Metal Edition)/ Diners
The Bank, at its sole discretion, reserves the right Black Metal Edition/Diners Black/ H.O.G Diners
to honour transactions above the approved credit Club Credit Card. Rewards Redemption Fee will

not be charged on redemption of reward points Priority Pass will be charged at $27 (in INR
towards cashback. equivalent) + Taxes per person per visit. All
For IndiGo HDFC Bank Cards, please visit lounge visits outside India beyond the
www.goIndiGo.in complimentary cap will be charged at $27 (in INR
For Tata Neu HDFC Bank Credit Cards, please equivalent) - Taxes per person per visit. Please
visit www.tatadigital.com refer the product features of the card for details
For Swiggy HDFC Bank Credit Card, please on bank website. All guest/s (person
install Swiggy App, please visit www.Swiggy.com accompanying the priority pass holder) will be
For Marriott Bonvoy HDFC Bank Credit Cards, charged at $27 (in INR equivalent) + Taxes per
please visit : www.marriott.com or person per visit.
https://marriottbonvoyasia.com/ o. V2P SmartHub Vyapar charge: Flat interest
h. Balance Transfer Processing Charges: 1% of 1% + GST on the transaction amount will be
of BT amount or ₹250, whichever is higher. charged on Business Cards for making Vendor
i. Duplicate physical statement charges: ₹10 Payments / Utility Payments / GST via V2P
per duplicate physical statement module in SmartHub Vyapar.
p. Reissue of Lost, Stolen or Damaged Card:
₹100
j. Insta Loan, Jumbo Loan, and Smart EMI:
q. Outstation Cheque Processing Charge:
 Insta Loan & Jumbo Loan Processing For Cheque value upto ₹5,000 - ₹25 and for
Fee: Processing fees levied is upto Rs above ₹5,000 - ₹50
999, (Exclusive of GST for all loan
r. Dynamic currency conversion Markup
amounts) depending on the customer’s
Fee: With effect from 1st January 2023, a
eligibility/offer details.
Markup fee of 1% will be levied on all
 Smart EMI Processing Fee: Processing
transactions carried out in Indian Currency at an
fees levied is upto Rs 999, (Exclusive of
international location or at merchants which are
GST for all loan amounts) depending on
located in India but registered overseas.
the customer’s eligibility/offer details.
 Pre-Closure Charges: 3% of the Balance s. Add-on Card Fee: Lifetime Free
Principal Outstanding iv. Interest free (grace Period): The interest
k. Rent Pay Transactions: W.e.f. 1st January free credit period could range from 20 to 50 days
2023, 1% fee on transaction amount will be subject to the scheme applicable on the specific
levied on rental transactions done on any Credit Card and the submission on the specific
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
l. 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 4 th of
the month can spend on his Card from 5 th April
m. Card Validation charges: ₹2 will be charged
to 4th May, his bill will be generated on 4 th May
on the Credit Card and the same shall not be
and his Payment Due Date will be 24 th May.
reversed by the bank (All variants except
Hence a purchase made on 14th April will have a
MasterCard).
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),
This period will be free of interest only if all
which means that the transaction is cancelled by
previous dues are paid in full and there is no
the merchant before it settles through your credit
unpaid balance carried over from previous
card account and hence it will not appear on your
months.
credit card statement.
v. Finance charges for both revolving credit
n. Priority Pass Lounge Charges: (For
and cash advances:
Regalia / Doctor's Regalia / Regalia Gold/ Tata
Neu Infinity): All lounge visits within India using

Charges the Cardholder proposes to avail any limit over
Variant (excluding GST) and above the sanctioned Credit Limit, the
Monthly Annually Cardholder shall, in the form and manner as may
Infinia, Infinia (Metal be stipulated by the Bank, explicit consent for
Edition), Diners Black such additional limit (Over Limit) as may be
1.99% 23.88% approved by the Bank in its sole discretion. Upon
Metal Edition, Diners
Black, H.O.G Diners grant of such explicit consent by the Cardholder,
Tata Neu Infinity 3.49% 41.88% the sanctioned Credit Limit of the Cardholder
Paytm HDFC Bank shall stand increased by the amount equivalent
3.75% 45.00% to the Over Limit.
Mobile, Tata Neu Plus
All other variants 3.60% 43.20% The following illustration will indicate the
method of calculating various charges
For Cards issued against Fixed Deposit - 1.99%
Assume that you have paid all previous dues in
per month (23.88% annually) applicable from
full and do not have any amount outstanding in
transaction date (Effective 1st Oct'22, will carry
your Card Account. Your statement date is 18th
the same revolving rate as per the card variant)
of every month. The following is the list of
Finance charges are payable at the monthly
transactions you have done on your card
percentage rate on all transactions from the date
account.
of transaction in the event of the Cardmember
choosing not to pay his balance in full, and on all Date Transaction Amount
cash, advances taken by the Cardmember, till 10-Apr Goods purchase ₹15,000
they are paid back. Finance charges, if payable, 15-Apr Garments purchase ₹5,000
are debited to the Cardmember's account till the
Total Amount
outstanding on the card is paid in full.
due = ₹20,000
Finance charges on cash advances are
18-Apr Statement Date Minimum
applicable from the date of transaction until the
Amount Due =
payment is made in full.
₹1,000
When the customer carries forward any
outstanding amount or avails of Cash Advance, 12-May Payment into card ₹2,000 (Credit)
a finance charge calculated by average Daily account (Late
Balance Method, will apply to balances carried payment charges will
forward and to fresh billings. be applicable here)
If a Cardholder avails of the revolving credit 14-May Groceries purchase ₹1,000
facility of the HDFC Bank Credit Card and hence 15-May Card Payment ₹15,000
chooses to pay an amount less than the total th
Thus, on the statement dated 18 May, following
amount due reflected in the monthly billing
will reflect as the component of the total amount
statement, the entire outstanding amount except
payable by you.
charges would attract finance charges and all
new transactions will also attract finance charges Interest calculated = (outstanding amount*
till such time as the previous outstanding 3.6% per month (i.e., 43.2% per annum) * No of
amounts are repaid in full. days) / 365. Therefore,
vi. Overdue interest charges - to be given on a. Interest on ₹15,000 @ 3.6% per month (i.e.,
monthly & annualised basis: Late Payment 43.2% per annum) from 19 Apr to 11 May (i.e. for
Charges (excluding Infinia, Infinia -Metal Edition) 23 days) = ₹408.33
will be applicable if Minimum Amount Due is not Interest on ₹13,000 @ 3.6% per month (i.e.,
43.2% per annum) from 12 May to 14 May (i.e.
Paid by the payment due date, Clear funds need

to be credited to HDFC Bank Card account on or for 3 days) = ₹46.16
before the payment due date, to avoid Late Interest on ₹5,000 @ 3.6% per month (i.e., 43.2%
Payment charges. Refer section ‘Schedule of per annum) from 19 Apr to 14 May (i.e. for 26
Charges’ for details. days) = ₹153.86
Interest on ₹3,000 @ 3.6% per month (i.e., 43.2%
Over Limit charges (excluding Infinia, Infinia -
per annum) from 15 May to 18 May (i.e. for 4
Metal Edition) limit applicable on total
days) = ₹14.20
outstanding exceeding the Credit limit at the rate
of 2.5% of the overlimit amount subject to
minimum of ₹550 basis explicit consent. In case

Interest on ₹1,000 (fresh spends) @ 3.6% per (₹50000/- + ₹1800/-)
month (i.e., 43.2% per annum) from 15 May to 18 I Over Limit Charges 550 100%
May (i.e. for 5 days) = ₹5.92
J Late Payment Fee 1,100 100%
Total interest = ₹628.47
b. Late Payment Charges = ₹800 (excluding K Payment Return Fee 500 100%
Infinia) L Easy EMI - Principal 500 100%
c. GST@ 18% of interest and late payment M Easy EMI - Interest 1,500 100%
charges = ₹257.12 Minimum Amount Due 6,740
d. Total principal outstanding amount = ₹4,000
(₹1,000 fresh spends + balance ₹3,000 * For the purpose of MAD calculation 5% of
outstanding from last month's billing period) Finance Charges (3.6% per month i.e., 43.20%
Hence Total Amount Due = (a) + (b) +(c) + (d) = p.a.) is being considered.
₹5685.60 The below illustration is prepared on the
Please note that the Finance Charges and other assumption that the customer has not made the
charges are subject to change at the discretion of payment on time nor cleared the Total Amount
HDFC Bank. Due (TAD).
For a list of charges that may be levied at specific Reduced Interest Rate / Finance charges on
instances, please refer to the Schedule of Freedom Credit Cards
Charges available at the end of this document. • For Freedom credit Cards, Interest Rate /
Minimum Amount Due (MAD) - 5% of Retail Finance Charges of 0.99% will be applicable for
Balance / Cash Advance Balance and finance first 90 days from card issuance date on
charges and 100 % of charges, Loan EMI billed retail/non-EMI spends only (i.e., not applicable
under cards, levies and Taxes and rounded to the on Insta loan, Insta Jumbo Loan, SmartEMI,
next higher 10th digit. EasyEMI, Balance transfer or Cash
(For Paytm HDFC Bank Digital Credit Card: transactions). From 91st day onwards regular
interest rate of 3.6% along with taxes will be
10% of Retail Balance / Cash Advance
applicable.
Balance and finance charges and 100% of
• The benefit is applicable only to customers to
Charges, Loan EMI billed under cards, levies, whom the card has been issued on or after
and taxes) October 01, 2021
Example: If the MAD amount is ₹1,503.50 • For more details, refer welcome kit or FAQs and
(Rupees one thousand five hundred and three Terms & Conditions section mentioned on HDFC
and paise fifty only), post computation it will be Bank website www.hdfcbank.com. The following
rounded off to next multiple of tenth digit i.e., illustration will indicate the method of calculating
₹1,510.00 (Rupees one thousand five hundred LPC:
and ten only). LPC Illustration
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
B Finance Charges 1,800 Payment Due Date 20th May 22
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 Easy EMI - Interest 1,500 G Total Outstanding as of 30,000.00
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
H Outstanding Balance + 2,590 5%
Finance Charges* (5% of

vii. Charges in case of default (no payment ii. Minimum amount payable: 5% of Retail
or delayed payment): Basis Credit Card bill Balance / Cash Advance Balance and finance
amount (excluding Infinia (Metal edition)) charges and 100% of Charges, Loan EMI billed
Outstanding Late Payment Charges under cards, levies, and taxes, previous month
Balance (Excl. GST) outstanding and rounded to the next higher 10th
Less than ₹100 Nil digit.
₹100 to ₹500 ₹100/- (For Paytm HDFC Bank Digital Credit Card: 10%
₹501 to ₹5,000 ₹500/- of Retail Balance / Cash Advance Balance and
₹5,001 to ₹10,000 ₹600/- finance charges and 100% of Charges, Loan EMI
₹10,001 to ₹25,000 ₹800/- billed under cards, levies, and taxes)
₹25,001 to ₹50,000 ₹1100/- Retail Balance means all purchases of goods or
More than ₹50,000 ₹1300/- services through store or online from the Credit
Card, excluding all Cash Advances, Balance
B) Drawal Limits Transfers, Instalment Payment Plans, other
i. Credit limit: HDFC Bank at its sole discretion credit plans, fees, and charges.
will determine the Cardmember's credit limit and HDFC Bank Credit Cards offer the Card-member
cash withdrawal limit. (Add-on Cardmembers the facility of revolving credit. The Cardmember
share the same limit as the primary cardholders). may choose to pay only the Minimum Amount
ii. Available credit limit: These limits are Due printed on the statement. The balance
communicated to the Card member at the time of outstanding can be carried forward to
card delivery and in the monthly statements. The subsequent statements. The Cardmember can
available credit limit at the time of the statement also choose to pay the Total Amount Due or any
generation is provided as a part of the monthly part of the amount above the Minimum Amount
statement. HDFC Bank will review the Due.
Cardmember account periodically and may Such payment should be made before the
decrease the Cardmember's credit limit basis Payment Due Date. Clear funds need to be
their internal criteria. In such an instance, the credited to HDFC Bank Card account on or
Bank will immediately inform including the before payment due date to avoid Late Payment
reason thereof, by SMS or e-mail followed by Charges. Cardmembers are advised to drop local
confirmation in writing. Cardmembers seeking to cheques well in advance of the Payment due
have their credit limit increased can do so by date to ensure payment reflects on the card
writing to the Bank and providing financial account within the Payment due date. Any unpaid
documents declaring their income. The Bank, at Minimum Amount Due of the previous statements
its sole discretion and based on such new will be added to the Cardmember's current
documents provided, may increase the credit Minimum Amount Due in addition to the
limit of the Cardmember. outstanding exceeding the Cardmember's Credit
iii. Cash withdrawal limit: 40% of the Credit Limit.
Limit (Not Applicable for Paytm HDFC Bank Payments made towards the card outstanding
Digital Credit Card as cash withdrawal is not are acknowledged in subsequent statements.
allowed) Payments received against the Cardmember's
card outstanding will be adjusted against all Pre-
C) Billing
closure of loans (Loan Principle outstanding /
i. Billing statements - periodicity and mode
Pre-closure Charges + GST), GST, Fees &
of sending: HDFC Bank will send the
Charges (Other than Finance Charges), Finance
Cardmember a monthly statement showing the
Charges, EMI, Cash Advances and Retail

payments credited and the transactions debited
Purchases in that order.
to the Cardmember's account since the last
statement. The Bank will mail a statement of iii. Method of payment: Payments towards the
transactions in the card account every month on card account may be made in any of the following
a pre-determined date, to the mailing address / ways:
email ID on record with the bank. Mode of the a) NetBanking & ATM: In case the Cardmember
statement will be Physical / email as per has an HDFC Bank account, they can make the
customer’s choice. Payment through NetBanking & ATMs.
b) Standing Instruction: In case the
Cardmember has an HDFC Bank account, they

can opt for a Standing Instruction facility, where working days before due date in case of HDFC
funds can be automatically transferred from the Bank cheque and 5 working days before due date
Cardmember's HDFC Bank account to the for Non-HDFC Bank cheque.
Cardmember's card account on the Payment due f) Cash Payment: Through Cash Payments at
date. The Automatic debit will be processed on the bank branches.
the registered account nominated by the iv. Billing disputes resolution: All the Contents
Cardmember on the Payment Due Date and will of the statement will be deemed to be correct and
be credited to the Card Account. accepted if the Cardmember does not inform
In the event of non-realization of the complete HDFC Bank of the discrepancies within 30 days
standing instruction (SI) amount, which is set by of the Statement Date in writing. On receipt of
the Cardmember, SI return charges shall be such information, HDFC Bank may reverse the
levied to the Cardmember on the net payable
charge on temporary basis pending investigation.
amount post payment attempts. The cardholder If on completion of subsequent investigations,
acknowledges and agrees that recovery of the liability of such charges is to the
Minimum Amount Due (MAD) post failure to Cardmembers account, the charge will be
recover Total Amount Due (TAD) shall lead to reinstated in a subsequent statement along with
levy of the autopay return charges on the net the associated charges. Upon receipt of dispute
payable amount remaining due and outstanding
from customers, within a maximum period of
on the payment due date. Thirty days, Bank would provide necessary
Examples: documents, wherever applicable as received
Scenario 1: Cardmember opts for SI facility on from the Member Bank, subject to operating
Total Amount Due (TAD) and the SI amount is guidelines laid down by the respective franchisee
₹10,000 and system recovers only ₹500 like Visa / Master Card / Diners Club / Rupay, etc.
(Minimum Amount Due) due to insufficient funds GST levied will not be reversed on any dispute
in the nominated account, payment return fee will on Fee & Charges / interest.
be levied on the net payable amount i.e., ₹10,000 v. Complete postal address of card-issuer:
- ₹500 = ₹9,500. Similarly, if the system is able to Manager, HDFC Bank Cards P.O. Box 8654,
recover only partial amount for example, ₹200 Thiruvanmiyur, Chennai – 600 041
which is less than Minimum Amount Due (MAD)
payment return fee will be levied on the net vi. Toll free number, email-id, and dedicated
payable amount i.e., ₹10,000 - ₹200 = ₹9,800 telephone number for SMS for customer care
Scenario 2: Cardmember opts for SI facility on services, contact details of Grievance
Total Amount Due (TAD) and the SI amount is Redressal Official: The Cardmember can
₹10,000. If partial payment is received for contact HDFC Bank Credit Cards for making any
example, ₹200 prior to the payment due date and enquiries or for any grievance redressal through:
subsequently standing instruction facility fails, • Call centres: 1800 202 6161 / 1860 267 6161
payment return fee will be levied on the net within India / +91 22 6160 6160 from outside
payable amount i.e., ₹10,000 - ₹200 = ₹9,800 India
c) NEFT / RTGS / IMPS: Customer can also • Infinia / Infinia (Metal Edition) / Diners Black
make payment through NEFT / RTGS fund Metal Edition/ Diners Black customers:
transfer mode from other bank account (use Please visit https://www.hdfcbank.com/Infinia
IFSC code HDFC0000128) or use the VISA for 24 hours 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
e) Cheque / Draft: By dropping the payment 8654, Thiruvanmiyur, Chennai – 600 041
instrument (Cheque or draft) into any of the • email: customerservices.cards@hdfcbank.com
HDFC Bank Credit Card drop boxes placed in the
HDFC Bank branches and ATMs. The Cheque • Grievance Redressal Official: 044 6108 4900
Draft should be made payable to HDFC Bank between 09:30 AM to 05:30 PM Monday to
Card Number xxxx xxxx xxxx xxxx. Kindly ensure Friday.
that the cheque/draft is deposited at least 3 SECTION II: OTHER MITC

D) Default and Circumstances custody of the bank. During settlement of
i. Procedure including notice period for redemption, in case available Reward Points
reporting a cardholder as defaulter: Grace balance is lesser than Points required for the
days of 3 days is allowed from the payment due transaction, the bank reserves rights to debit the
date on credit card accounts, where payments differential amount on the Customers
are not overdue. The payment due date as Card/Account.
mentioned on the credit card statement is the iv. Recovery of dues in case of death /
date by which clear funds must be credited to the permanent incapacitance of cardholder
credit card, however 3 grace days are provided The death or incapacity of Cardmember including
to accommodate for processing time of insolvency, dissolution, bankruptcy or winding
payments. The Bank shall report a credit card up, shall automatically result in cancellation of the
account as 'past due' to credit information
card issued to the Cardmember as well as any
companies (CICs) and levy late payment charges Add-on Cardmembers. The card would also be
when a credit card account remains 'past due' for liable to be suspended on instructions from any
more than 3 days. The number of 'days past due' Government or Regulatory body. On cancellation
and late payment charges shall, however, be or suspension of the card, all amounts
computed from the payment due date mentioned outstanding on the card account shall be deemed
in the credit card statement.
to have become due immediately.
In the event of default, the Cardmember will be Notwithstanding the Cardmember’s obligation to
sent reminders from time to time for settlement of pay all outstanding amounts forthwith, Bank shall
any outstanding on the card account, by post, be entitled to recover the same in accordance
fax, telephone, e-mail, SMS messaging and/ or with the relevant laws in force.
engaging third parties to remind, follow up and
collect dues. Any third party so appointed, shall v. Available insurance cover, if any, for
adhere fully to the code of conduct on debt cardholder and date of activation of policy
collection. including nomination details
In case the cardholder fails to make payment of Select Credit Card variants have a
either the Minimum Amount Due or the total complimentary insurance cover on the Card. The
amount due, under each monthly billing policy coverage starts from the date of the Credit
statement, the bank shall notify the customer of Card set up. For information on updating
such non-payment and its intention to report the nominee details and terms and conditions,
cardholder as defaulter to the Credit Information please refer to usage guide.
Companies (CIC) in case the cardholder fails to E) Termination / Revocation of Card
pay the Minimum Amount Due or the total Membership
amount due within 7 (seven) days.
i. Procedure for surrender / closure of card
ii. Procedure for withdrawal of default report by cardholder: I/ We understand that the usage
and the period within which the default report of the HDFC Bank International Credit Card(s)
would be withdrawn after settlement of dues shall be strictly in accordance with exchange
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
iii. Recovery procedure in case of default 1999 or its statutory modifications or re-
In case of default, upon a demand made by the enhancement thereof.
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.

Channels Path / Contact details customer available on its records to verify the
www.hdfcbank.com > Log in > bonafideness of the card transaction. Failure on
Credit Cards > Card Control > the part of the Bank to establish contact with the
MyCards customer, the Bank may restrict/terminate the
Services > Other Action > Card
Closure use of the Card without any further notice, if the
Bank reasonably believes it necessary for the
Visit www.hdfcbank.com > sake of the Cardholder and for security reasons
EVA Click on EVA icon > Type HDFC Bank can suspend the facility on the Credit
Closure of Credit Card. Card, if the Cardmember defaults on payment
Branch Simply visit branch and speak due or exceeds the credit limit extended. The
Banking to our staff Credit Card must not be used after the
Agreement has ended or if the card account is
iii. Contact details for the cardholder to suspended.
initiate closure / hotlisting – email-id, With a view to ensure that the Credit Card is
dedicated telephone number for SMS, IVRS being used as per the regulatory guidelines,
Terms and Conditions and applicable policies of
Path / Contact details the Bank, Bank shall have a right to run periodic
Channels
checks on the Credit Card usage to identify
Phone
1800 202 6161 / 1860 267 6161 whether there is excessive utilization of credit
Banking/ (accessible across India) limit beyond the sanctioned limit in one statement
IVR cycle, unusual or excessive utilization at few
70700 22222 > Type Close Credit select merchants, possible collusion with
WhatsApp
Card > Option will be displayed for merchant and/or usage towards non-personal/
Banking
hotlisting business related requirements, over-use/ misuse
Write us at of features/ offers/ programs towards
Email customerservices.cards@hdfcbank. accumulation of undue reward points/ cash back
com / other benefits amongst others. Based on the
Once the request is raised through above usage patterns, if any of these is suspected by
channels, no transaction can be made through the Bank, Bank may take restrictive action on the
the card from immediate effect as the same will Credit Card. Such action can be with immediate
be blocked. effect and may include but not be limited to
Any transactions incurred by the Cardmember withdrawal of features/ benefits as well as
prior to the closure of card, and which is complete termination of the Credit Card. If any
presented / claimed at a later point by the such action is taken by the Bank onus will be on
merchant shall be billed to the Cardmember for customer to provide satisfactory proof of bona
effecting necessary payments towards such fide usage to reinstate the Credit Card and
transactions. The Cardmember shall be is attached features/ benefits as may be deemed fit
obligated to pay for any transactions which were by the Bank. Bank's decision in this regard shall
incurred prior to the closure date of the card and be final and binding on the customers.
the Bank shall report these outstanding In such a situation, the Cardmember must
payments of the Cardmember to CICs, if unpaid. (subject to any default or other notice required by
If a credit card has not been activated or used law) immediately pay HDFC Bank the total
within 30 (thirty) days of card open date., the outstanding balance on the Account. This
Bank shall intimate the cardholder about non- includes all amounts due to HDFC Bank under
the Agreement, including all transactions and
usage or non-activation of the card and request

the cardholder to activate or start using the card other amounts not yet charged to the Account.
within 7 (seven) days from the date of such The card will not be considered as closed until
intimation. If the cardholder does not start using the Cardmember has paid all such due amounts
the card within a period of 7 (seven) days, the New Variant will be issued when a customer
card account shall be closed by the Bank. request for a reissue of Hot-listed Phased
In case the Bank notices unusual and abnormal out/Actively not sourced cards. We will be
transaction patterns in the use of the Card, the offering a currently active variant in place of the
Bank will try to establish contact with the phased-out card. Please note that when an Add-
customer on the registered phone number of the On request is received from a customer who is

using a phased-out card, then the Add-On circumstance be used if found by the
request will be accepted, but the customer will Cardmember subsequently. As the Add-On card
receive a new market active Primary and Add-On is an extended facility given on the Primary Card
card in place of the old variant. Account, the Add-on card is rendered invalid
iv. Procedure for closure of card account if when the primary card is reported lost. Similarly,
the card has not been used for more than one if the Add-on card is reported lost, the primary
year Card Account and other Add-on cards will be
Please note that if a credit card has not been invalidated from usage.
used for a continuous period of 1 (one) year, the B) The Bank is not liable or responsible for any
Bank will intimate the cardholder about non- type of transaction (Online/Physical/Contactless
usage of the card and request the cardholder to (Tap and Pay or Wifi/Others) transaction incurred
start using the card within 30 (thirty) days from on the card account prior to time of reporting of
the date of such intimation. If either no reply is the loss of the card, and the Cardmember will be
received from the cardholder or the cardholder wholly liable for the same. Card swipe
does not start using the card within a period of 30 transactions may get processed by merchants
(thirty) days, the card account shall be closed by without PIN / additional authentication like OTP,
the Bank, subject to payment of all dues by the when it is initiated on merchants located outside
cardholder. India as it may not be a mandate in those
F) Loss/ Theft/ Misuse of Card countries. Cardmember is wholly liable for all
transactions prior to reporting of loss of the card.
i. Procedure to be followed in case of loss/
After the receipt of proper notification of the loss
theft/ misuse of card-mode of intimation to
by the bank, the Cardmember's subsequent
card-issuer: In case of loss / theft / misuse of the
liability is zero. In addition to notifying HDFC
card, customer can immediately hotlist / block the
Bank about the loss or theft of the card, the
card by raising a request through below channels
Cardmember must report any theft of cards to the
Channels Path / Contact details Police and lodge a Police Complaint and provide
www.hdfcbank.com > Log in > a copy of Police complaint to the Bank.
Credit Cards > Select the Card C) The Cardmember will be liable for all losses in
Net Banking case of misuse of the card by someone who
from Your Credit Cards >
Block obtained the PIN or the card or OTP with or
Mobile banking home page > without the consent of Cardmember or an
Mobile Pay > Credit Cards > Select Additional Cardmember. If the Cardmember has
Banking the Card from Your Credit acted fraudulently the Cardmember will be liable
Cards > Block for all losses. If the Cardmember acts without
https://mycards.hdfcbank.com reasonable care, the Cardmember may be liable
MyCards - > enter registered mobile#> for all losses incurred.
PWA 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.

For further details and terms and conditions of First level touch points: Queries / Feedback /
such Insurance cover, kindly contact our Complaints. The customer can reach out to the
representative of the Bank. following channels:
G) HDFC Bank Contactless Cards allows you to • Online Dispute Resolution
pay with a simple tap. To make a transaction of • Call us
₹5,000 or less, just tap to pay with your • Visit us
contactless card and you won't need to sign or • Write to us
enter any PIN. Contactless transactions are as
• Email us
secured as any chip or PIN based transactions.
The Bank is not liable or responsible for any • Report unauthorised e-transactions
transactions incurred on the Card Account prior (Transactions not done by you)
to time of reporting or delay in reporting of the • Chat with us
loss or misuse of the card and the Card member • Block / Unblock credit card
will be wholly liable for the same. Terms and • Check your credit card outstanding amount
Conditions mentioned in the card member • Credit cards mis-selling or harassment
agreement is applicable for all contact-less cards related complaints
and contact-less transactions. Second level touch points: If you have not
ii. Web-site link, phone banking, SMS, e-mail, received a satisfactory response for your queries
IVR, a dedicated toll-free helpline, reporting to with other channels. Please write to Mr.
nearest branch, etc. for reporting Shanmugasundar R (Grievance Redressal
unauthorised transactions and initiating Officer). The Cardmember can contact HDFC
blocking of card Bank Credit Cards for making any enquiries or for
If customer suspects any unauthorised any grievance redressal through:
transaction, customer should inform the bank • Call Centres: 1800 202 6161 / 1860 267 6161 If
through channels mentioned in Section E(ii) & you are not in India: +91 22 61606160
E(iii) for blocking of card to avoid further • Post: Manager, HDFC Bank Cards P.O. Box
unauthorised transaction or misuse. 8654, Thiruvanmiyur, Chennai - 600 041
iii. Liability of cardholder in case of (i) above • Email:customerservices.cards@hdfcbank.com
in terms of RBI circular ref.
• Grievance Redressal Officer: Reach us on
DBR.No.Leg.BC.78/09.07.2005/2017-18 dated
phone 04461084900 between 09.30 a.m. to
July 6, 2017 on ‘Customer Protection –
05.30 p.m. Monday to Friday
Limiting Liability of Customers in
Unauthorised Electronic Banking Please note that the mechanism and timelines of
Transactions’ as updated from time to time: Grievance Redressal Policy is available on the
website – www.hdfcbank.com and the same can
In case of loss/ theft/ misuse of card, the Bank
be accessed by following the path – Our
shall be guided by the ‘Customer Protection
Corporate Commitment -> Citizens Charter
Policy’ updated on the website of the Bank which
has been formulated based on the RBI circular -> Grievance Redressal
on Customer Protection – Limiting Liability of ii. Timeline for redressal of grievances:
Customers in Unauthorised Electronic Banking Customer Grievance will be addressed within a
Transactions’ as updated from time to time. period of 30 days, if your issue still remains
(RBI Circular - ref. DBR. No. Leg.BC.78/ unresolved or if you have not received response
09.07.2005/2017-18 dated July 6, 2017) within 30 days of lodging a complaint, you may
Please Note you can refer the Customer approach the Banking Ombudsman appointed by
Protection Policy Note by visiting the Reserve Bank of India.

www.hdfcbank.com > Useful Links > Our iii. Compensation framework for
Corporate Commitments > Customer unsuccessful / failed transactions, delay in
Compensation Policy. redressal of grievance, delay in closing of
account / blocking of lost or stolen cards,
G) Grievance Redressal and Compensation
etc.: In case of unsuccessful transaction / failure,
Framework
as per Harmonisation of TAT, the Bank will
i. Grievance redressal and escalation reverse blocked amount within 5 days. In case if
process: the merchant claims such transaction, the regular
dispute process will be followed as per franchise

guidelines which is covered in the compensation All banks and financial institutions participating in
policy. this initiative are required to share customer data
The timeline is specified and updated in the with Credit Information Companies and this
compensation policy displayed on the bank information is being provided in the terms of the
website under Our Corporate Commitment > Credit Information Companies Regulation Act,
Citizens Charter > Customer Compensation 2005. In view of this we wish to inform the
Policy > Credit Cards where it is established that Cardmember that the bank can disclose any
the Bank had issued and activated a credit card information relating to credit card(s) default by
without written consent of the recipient, the Bank the customer to the Credit Information
would reverse the charges immediately and also Companies to any other credit bureau (Existing
pay a penalty without demur to the recipient and Future) in case the card is overdue, with due
amounting to twice the value of charges reversed intimation to the cardholder. The Bank hereby
in this regard. Operation of credit account shall informs the Cardmember that fresh/ update on
be in accordance with HDFC Bank credit card cardholder’s data on receipt of payment towards
terms and conditions. Transactions reported as overdue card accounts will reflect in CIBIL / other
erroneous by customers, which require specific credit bureaus within a period of 30 (Thirty) days
reference to a merchant establishment will be from the date of receipt of payment by the bank.
handled as per chargeback rules laid down by We also wish to inform the Cardmember that the
card networks (VISA / MasterCard / Diners / bank will, at its own discretion, record specific
RuPay). The Bank will provide explanation and, conversations between the Cardmember and the
if necessary, documentary evidence to the representative of the Bank, in cases of grievance-
customer within a maximum period of sixty days. related conversation or payments-recovery-
Failure on the part of the card-issuers to related conversations or any other
complete the process of closure of credit card conversations, that the Bank may deem fit.
within seven working days shall result in a I) Reward Points and Cashpoints
penalty of ₹500 per day of delay payable to the Reward Points will be earned for transaction
customer, till the closure of credit card, provided amounts in multiples of ₹150, residual amounts
there is no outstanding in the credit card account. or transactions below ₹150 will not earn Reward
iv. Contact particulars of card-issuer - 24- Points. For Silver cards and Freedom Plus
hour call centres, email-ids, helpline, other Cards, Reward Points are earned on
important telephone numbers: The transactions amounts in multiple of ₹200,
Cardmember can contact HDFC Bank Credit residual amounts or transactions below ₹200 will
Cards by: not earn Reward Points. For IRCTC HDFC Bank
• Visit www.hdfcbank.com to know our 24 hours Credit Card Reward Points are earned on
call centre number transaction amounts in multiple of ₹100, residual
• Infinia / Infinia (Metal Edition) / Diners Black amount or transaction below ₹100 will not earn
Metal Edition/ Diners Black customers Reward Points.
https://www.hdfcbank.com/Infinia for 24 hours Customers can earn cashback through a)
dedicated customer care number cashback offers and b) redemption of reward
• Marriott Bonvoy HDFC Bank Customers: points towards cashback.
1800 309 3100 For dedicated concierge Cashback credits will not be considered as
services (9am – 9pm). payment for the last statement. Customers need
• Post - Manager, HDFC Bank Cards P.O. Box to effect payment towards the previous statement
8654, Thiruvanmiyur, Chennai – 600 041 outstanding.
• email: customerservices.cards@hdfcbank.com Cashback amount credited to the card account
H) Disclosure will be adjusted towards the next statement

The Cardmember acknowledges that as per balance.
existing business practices, the Bank can Bank shall exercise due care on its part in due
disclose from time to time any information course of issuance of card PINs / Codes & and
relating to the Credit Card(s), to any credit bureau the Bank ensures to share any confidential data
(Existing or Future) The Credit Information of the customer/ cardholder only with the said
Companies are an initiative of the Government of customer/ Cardholder.
India and Reserve Bank of India to improve the The cashback awarded or credited on the
functionality and stability of the financial system. Swiggy HDFC Bank Credit Card shall be in the

form of Swiggy Money available on Swiggy app, Points in the month of May 2015, then the same
which shall be calculated as a percentage of the will expire in May 2017, except for Infinia / Infinia
spends with capping per calendar month. For (Metal Edition)/ Diners Black Metal Edition/
further details of cashback earned on Swiggy Diners Black/ H.O.G Diners Club Credit Card
HDFC Bank Credit Card please see the terms Card for which reward points are valid for 3 years,
and conditions available at Swiggy HDFC Bank and Easy EMI cards on which cash points are
Credit Card product page on valid for 1 year.
www.swiggy.com, Important notice for Customers who have been
card members on or before 30th June 2015:
Swiggy One Membership shall be governed by
W.e.f. 18th March 2020, when you receive a new
terms and conditions available at
credit card due to upgrade/migration,
https://www.swiggy.com/terms-and-conditions.
replacement, renewal, or re-issuance, etc, the
The reward points awarded or credited on the reward points already accumulated earlier, will
Marriott Bonvoy HDFC Bank Credit Card shall be have limited validity between 1 to 3 years from
in the form of Marriott Bonvoy Points, which shall the date of transfer, depending on the card
be calculated as a percentage of the spends. The variant.
reward points are not static and may be subject • For EasyEMl cards, the Cash points accrued
to special offers, discounts, and benefits as earlier will be valid for 1 year from the date of card
upgrade / migration, replacement, renewal, or re-
applicable, from time to time. For further details
issuance.
of the reward points awarded or credited on the
Marriott Bonvoy HDFC Bank Credit Card please • For Infinia/Infinia (Metal Edition)/ Diners Black
Metal Edition/ Diners Black/ H.O.G Diners Club
see the terms and conditions of the Marriott
Credit cards, the Reward points will be valid for 3
Bonvoy HDFC Bank Credit Card available at years from the date of card upgrade/migration,
product page on replacement, renewal, or re-issuance,
www.hdfcbank.com/personal/pay/cards/credit-
• For all other card variants, the Reward
cards, and the terms and conditions of the points/Cash points accrued (as per feature), will
Marriott Bonvoy Program available at be valid for 2 years from the date of card
https://www.marriott.com/loyalty/terms/default.m upgrade/migration, replacement, renewal, or re-
i issuance,
The reward points awarded or credited on the e.g., Customer was issued a Regalia First credit
card on Feb’14. His/her card which has
Tata Neu Plus/Infinity HDFC Bank Credit Card
accumulated 50,000 reward points is being
shall be in the form of Tata NeuCoins, which shall
replaced (due to lost card, renewal etc) in
be calculated as a percentage of the spends. The May’20. Post replacement, his/her reward points
reward points are not static and may be subject balance of 50,000 will now have a validity of 2
to special offers, discounts, and benefits as years from the date of transfer i.e., these points
applicable, from time to time. For further details would expire on May’22 if not utilized.
of the reward points Tata Neu Plus/Infinity HDFC For all future Reward points/Cash points that will
Bank Credit Card please see the terms and be accrued after 18th Mar’20, the above validity
conditions of the Tata Neu Plus/Infinity HDFC norms will be applicable as per the card variant.
Bank Credit Card available at product page on Customers* who have received their upgraded,
www.hdfcbank.com/personal/pay/cards/credit- replaced, renewal or re-issued cards before 18th
cards, and the terms and conditions of the Tata Mar 2020 and have also been a card member*
Neu Loyalty Program available at on or before 30th June 2015: then their accrued
www.tatadigital.com/terms-and-conditions reward/cash points will continue to be valid till the
date of the next card upgrade/migration,
Credit Card purchases done via UPI mode will replacement, renewal, or re-issuance. Post
earn reward points upto a maximum of 500 points which the reward/cash points will have limited
in a calendar month. For details, refer Bank’s validity as per card variants explained above.
website Validity of Swiggy Money earned on Swiggy
a. Reward Point Validity: Reward Points are HDFC Bank Credit Card shall be as per the terms
valid only for 2 years from the date of and conditions on Swiggy app www.swiggy.com.
accumulation. e.g.: - if you have received Reward

Swiggy Money will expire post 1 year of earning • Rent payments will NOT earn Reward Points
the cashback. on all the cards.
For Marriott Bonvoy HDFC Bank Credit, the • Government related transactions will NOT
Marriott Bonvoy Points accrued will not expire as earn Reward Points on all the cards except
long as there is point earning or Point redemption Business Regalia, Business Regalia first,
activity at least once every 24 months in your Business Money back, CSC small business
Marriott Bonvoy Member Account moneyback, Paytm Business, Flipkart
Business, Retailio, Best Price Save Smart,
Validity of the Tata Neu Coins earned on the Tata
Best Price Save Max and Pinelabs
Neu Plus/Infinity HDFC Bank Credit Card shall be
• Education related transactions will NOT earn
as per the terms and conditions of the Tata Neu
Reward Points on Business Regalia,
Plus/ Infinity HDFC Bank Credit Card available
Business Regalia first, Business Money back,
onwww.hdfcbank.com/personal/pay/cards/credit
CSC small business moneyback, Paytm
cards, and the terms and conditions of the Tata
Business, Flipkart Business, Retailio, Best
Neu Loyalty Program available at
Price Save Smart, Best Price Save Max,
www.tatadigital.com/terms-and-conditions
Swiggy HDFC Bank Credit Card and Pinelabs
b. EasyEmi and e-wallet loading transaction will
not accrue Reward Points. k. With effect from 1st January 2023, Reward
Points earned on Grocery transactions will be
c. Reward Points accrued will be reversed if a capped per month to:
retail transaction is converted into SmartEMI.
• 2000 Reward Points for Infinia, Diners Black
d. W.e.f. 20th Dec 2019, Reward Points accrued Metal Edition, Diners Black, H.O.G Diners,
for insurance transactions will have a maximum Regalia, Regalia Gold, Regalia first, Business
cap of 5000 per day for Infinia, Infinia (Metal Regalia, Business Regalia first, Diners
Edition), Diners Black Metal Edition, Diners Black Privilege, Harley-Davidson Diners, Diners
H.O.G Diners Club Credit Cards and 2000 per Premium, Diners Clubmiles, Tata Neu Infinity
day for all other credit cards. cards, Marriott Bonvoy HDFC Bank Credit
e. For Marriott Bonvoy HDFC Bank Credit Card, Card and,
insurance transactions will have no capping on • 1000 reward points for the rest of the cards
Marriott Bonvoy Points accrual. l. With effect from 1st Apr 2023, reward points
f. With effect from 1st Jan 2023, Reward Points earned on Grocery transactions will be capped to
redemption for flights & hotels bookings are 2000 per month for 6E Rewards XL-Indigo HDFC
capped per calendar month at 1,50,000 reward Bank Credit C
points for Infinia, 75,000 reward points for Diners m.Tata NeuCoins accrued shall be utilizable in
Black Metal Edition, Diners Black, H.O.G Diners accordance with the terms and conditions of the
and 50,000 reward points for all other cards. Tata Neu Plus/ Infinity HDFC Bank Credit Card
g. With effect from 1st Jan 2023, Reward Points available at product page on
redemption for Tanishq vouchers are capped to www.hdfcbank.com/personal/pay/cards/credit-
50,000 reward points per calendar month for cards, and the terms and conditions of the Tata
Infinia cards. Neu Loyalty Program available at
h. With effect from 1st Feb 2023, Reward Points www.tatadigital.com/terms-and-conditions.
redemption for CashBack redemption are n. If the Credit Card is not used for more than
capped per calendar month to 3000 rewards 365 days, Reward Points accrued will be nullified.
points for Millennia, Easy Emi millennia, Bharat, o. The Bank reserves the right to cancel or
Pharmeasy and Paytm cards and 50,000 reward suspend Reward Points accrued on the Credit
points for all other cards.
Card if it is in arrears, restructured, suspension or

i. With effect from 1st Feb 2023, cardmembers default or if the Card Account is or is reasonably
can redeem upto 70% of product/Voucher value suspected to be operated fraudulently. Reward
through Reward Points on select Points earned but not redeemed at the time of
vouchers/products and pay the remaining death of the Cardmember shall be forfeited.
amount via Credit card. This is not applicable for p. When the card member receives a merchant
Infinia, Diners Black Metal Edition, Diners Black, refund for a transaction incurred earlier on the
H.O.G Diners Club credit cards. card it will be credited to the card account upon
j. With effect from 1st Jan 2023, receipt. If the said refund amount is greater than
the last statemented balance / billed outstanding,

then the excess amount post adjustment against apply to the Marriott Bonvoy Points. Please refer
last statement balance / billed outstanding will be to the terms and conditions of the Marriott
refunded to your account, provided the said Bonvoy Program available at
merchant refund had originated from a https://www.marriott.com/loyalty/terms/default.mi
transaction incurred prior to the last statement s. If the Credit card is blocked due to hot listing
date. If you have not furnished your account i.e. lost, stolen, etc (or) Card is Returned i.e. not
number for such credits, kindly call to delivered due to address change, etc (or)
phonebanking to issue DD or visit our nearest resident card holder holding a Non-resident
branch for updating the account number. account (or) de-activation of card till card holder
If the merchant refund received pertains to a authorization and is not re-activated within 6
recent transaction incurred post the last months from block placement - For such cases
statement date, then the refund received will be Reward Points accrued in the card will be
credited to card account and adjusted against the nullified.
original transaction. t. Customers can earn cashback through
Such credits posted to the Card Account redemption of reward points towards cashback.
including but not limited to those arising from Cashback credits will not be considered as
returned goods or services or cancelled payment for the last statement. Customers need
transactions, the Reward Points or cashpoints to effect payment towards the previous statement
accrued as per product feature will be reduced / outstanding.
reversed / adjusted. u. W.e.f Jan’23 Reward Points earned through
In case of cancellation of E vouchers that were transaction having Instant Discount / Cashback
availed by redeeming reward points, the offered by HDFC Bank will be invalid & debited in
restoration of reward points, if allowed at 120 days of posting.
the discretion of the Bank, would be allowed at v. For Closed Cards:
same rate at which the E vouchers were • Reward points will be available for
redeemed. redemption only for 30 days from the date of
q. For flight and hotel bookings, Credit Card card closure. Points will get lapsed post 30
members can redeem up to a maximum of 70% days of card closure.
of the booking value through Reward Points. • Reward Points redemption is allowed only
Rest of the transaction amount will have to be
towards products/vouchers.
paid via the same Credit Card limit. This applies
• Cashback redemptions are not allowed on
to Infinia, Infinia (Metal Edition), Diners Black
Metal Edition, Diners Black, H.O.G Diners cards closed cards.
w.e.f. 25th July 2020. This is applicable to retail w. Fair Usage Policy as of Oct’23:
and business card variants of Regalia, Regalia • The maximum reward points that can be
First, Regalia Gold and other Diners card variants earned in a statement cycle for Infinia/infinia
(ClubMiles, Rewardz, Privilege, Premium, Metal is 2,00,000.
Harley-Davidson) since 25th Nov 2019. This • The maximum reward points that can be
condition applies for transactions done on HDFC earned in a statement cycle for Diners Black
Bank Smartbuy or the dedicated website portals Metal Edition, Diners Black, H.O.G Diners
of the bank for the respective card variants. Club Card is 75,000.
r. For flight and hotel bookings, Credit Card • The maximum reward points that can be
members can redeem up to a maximum of 50% earned in a statement cycle for Regalia Gold,
of booking value through Reward Points. Rest of
Regalia, Business Regalia, Diners Privilege,
the transaction amount will have to be paid via

Diners ClubMiles, Diners Premium, Harley-
the same Credit Card limit.This condition applies
to all cards other than those mentioned in above Davidson Diners Club Card is 50,000.
point (i) The cards are grouped as Regular, • The maximum reward points that can be
Cashback, Premium,Premium Travel, earned in a statement cycle for Regalia First,
Professional, Co-branded and Business cards Business Regalia First is 25,000.
on the bank's website.This condition applies for • The maximum reward points that can be
transactions done on HDFC Bank Smartbuy. earned in a statement cycle for Money back,
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.

• The maximum reward points that can be Priority Pass membership, or any other benefit
earned in a statement cycle for Tata Neu associated with your credit card if your card is
Infinity* is 50,000. closed or remains inactive for more than 90 days.
• The maximum reward points that can be These charges will be billed on your subsequent
earned in a statement cycle for Times statement within 90 days of date of visit and this
Platinum,Times Titanium,Tata Neu transaction will not accrue Reward Points.
Plus*,IOCL,IRCTC*,Retailo, Medvol, Currency conversion rate is applicable as on the
Pharmeasy, Pinelabs, Equitas Excite, date of settlement.
Equitas Elegance is 25,000. 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 SOLITAIRE, applicable GST would be dependent on place of
BEST PRICE SAVE MAX WALMART, provision (POP) and place of supply (POS). If
TEACHERS, DOCTORS, SIGNATURE, POP and POS are in the same state then
VALUE PLUS, GOLD, JET, Corporate applicable GST would be CGST and SGST /
Premium, SNAP DEAL, BUSINESS UTGST else, IGST. GST For FEE & Charges /
PLATINUM, Privilege, SILVER, TITANIUM, Interest transactions Billed on statement date will
ALL MILES, MARUTI, BUSINESS reflect in next month statement. GST levied will
FREEDOM, BUSINESS GURANTEE is not be reversed on Any dispute on Fee &
15,000. Charges / interest.
M) TDS on withdrawals above Rs 1 crore:
For Flipkart cards, the maximum cashback TDS@2% is applicable on aggregate cash
that can be earned under "1% cash back withdrawals exceeding Rs 1 Cr from accounts
category" is Rs.25,000 per month. and cards, in a FY. Visit www.hdfcbank.com for
details.
(*) applicable only on the spend categories In line with RBI mandate, basis the nature and
that does not have an existing Fair Usage purpose of the transactions carried out on your
Policy credit card, customers are advised not to make
any payments to the credit card through FCRA
J) Other Important Information accounts. In case, if any payments are observed
a) HDFC Bank UPI RuPay/ UPI RuPay Biz through these accounts, customer may receive a
Credit Card: No physical Credit Card will be notice from the Ministry of Home Affairs seeking
provided for customers who were issued with explanation for such payments.
HDFC Bank UPI RuPay/ UPI RuPay Biz Credit Please select APR calculator from Important
Card and it will be a virtual only card. The virtual document tab in the below link:
card details will be available in the MyCards https://www.hdfcbank.com/personal/pay/cards/c
platform. Customers can call on the IVR number redit-cards/membership-kit
(1860 266 0333) to set the PIN of their virtual N) Most Important Terms and Conditions in
card. Regional Languages
K) Lounge Access Please Visit www.hdfcbank.com for information
Priority Pass - Charge of $27 + taxes, will be on MITC in regional languages, Options available
applicable on all the lounge visits exceeding the 1) Hindi 2) Kannada 3) Malayalam 4) Telugu 5)
complimentary limit. Tamil 6) Bengali 7) Marathi 8) Gujarati 9) Punjabi
Infinia, Infinia (Metal Edition): Complimentary 10) Oriya 11) Assamese
priority pass membership for Primary and add-on The Cardmember hereby acknowledges that the
card holders with unlimited lounge access for Most Important Terms and Conditions available
priority pass card holder. in regional languages at www.hdfcbank.com is
Diners Club Credit Card - All visits exceeding the the representative text of the English version of
complimentary limit will be charged at the the Most Important Terms and Conditions.
prevailing lounge rate inclusive of taxes. Card The Cardmember agrees and acknowledges that
validation charges for the lounge will be levied in the event of any inconsistency between the
and not reversed. texts in English and regional languages of the
Please ensure the safety of your Priority Pass to Most Important Terms and Conditions, the text in
avoid misuse. The priority pass is not English shall prevail and shall be binding on the
transferable. Bank has the right to withdraw the 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.
loan account will be used to pay off the dues
O) Additional Schedule - Income Recognition,
outstanding on 01.02.21.
Asset Classification and Provisioning pertaining
to Advances- Clarifications (IRACP) Assuming that nothing is paid or there is partial
With reference to the Credit Card application payment (₹Y) of dues during February month, the
submitted by me/by us, l/we confirm having overdue as on 01.03.21 will be ₹X-Y.
understood the following concepts and illustrative Additionally, an amount of ₹Z becomes due as on
examples (as detailed below) related to due dates, 01.03.21, Now any payment/ partial payment into
classification of my/our Card/loan accounts as the account on or after 01.03.21 will be first
Special Mention Account (SMA)/ Non-Performing utilized to pay off the partial due of 01.02.21 (₹X
Asset (NPA) in the course of the conduct of the - ₹Y) If there is more recovery than the ₹X - ₹Y.
accounts. then. After recovering dues of 01.02.21, the remaining
Also understand that loan account referred herein amount will be treated as recovery towards due of
shall be applicable to both the credit card and/or any 01.03.21.
other additional loan that may avail from the bank Age of oldest Dues: The age of oldest dues is
based on the credit card if the application is approved. reckoned in days from the date on which the oldest
(The additional loans would be applicable for cards payment is due and continues to remain unpaid in the
issued to individual only & subject to certain eligibility aforesaid illustration, if the Dues relating to 1 st Feb’21
criteria and includes loans given within the credit card remain unpaid till 01.03.21, the age of the oldest dues
sanctioned limit or as a separate facility based on is reckoned as 29 days on 02.03.21.
credit card) Classification as Special Mention Account (SMA)
Concepts / Clarifications / Illustrative Examples and Non-Performing Asset (NPA) Lending
Dues: mean, the principal/ interest/ any charges institutions will recognize the incipient stress in loan
levied on the loan account which are payable within accounts, immediately on Default, by classifying them
the period stipulated as per the terms of sanction of as Special Mention Accounts (SMA) The basis of
the credit facility/payment due date mentioned in the classification of SMA / NPA Category shall be as
monthly statement. follows:
Overdue: Means, the principal interest/ any charges
Outstanding in the Credit card account or
levied on the loan account which are payable but Additional Loan thereon (For credit card dues
have not been paid within the period stipulated as per referred hereinto is the Minimum Amount Due
the terms of sanction of the credit facility. In other as mentioned in the card statement)
words, any amount due to the bank under any credit
facility is 'overdue' if it is not paid on the due date fixed Basis for classification - Principal or
SMA Sub-
interest payment or any other
by the bank. categories

amount wholly or partly overdue
Appropriation of payments: Payments received
against the Cardmember’s card outstanding will be SMA-0 Up to 30 days
adjusted against all pre-closure, GST, fees and SMA-1 > 30 days and up to 60 days
charges, EMI, cash advances and retail purchases in SMA-2 > 60 days and up to 90 days
that order.
Non-performing Asset: Non-Performing Asset
If in any loan account as on 01.02.21 there are no (NPA) is a loan or an advance where: A term loan
over dues and an amount of ₹X is due for payment
where interest and/ or instalment of principal remains
towards principal instalment / interest / charges, any overdue for a period of more than 90 days, A credit
payment being credited on or after 01.02.21 in the card account will be treated as non-performing asset

if the minimum amount due, as mentioned in the Dues referred hereinto is the Minimum Amount Due/
statement, is not paid fully within 90 days from the EMl amount as mentioned in the loan statement.
payment due date mentioned in the statement.
Illustrative movement of an account to SMA category
to NPA category based on delay 1 non-payment of
dues and subsequent upgradation to Standard
category during End of Day (EOD) process
(considering February as a non-leap year month):
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
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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Premium, Doctor’s billing cycle

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₹50,000 within 90 days at ₹500 every

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₹49 / Month ₹ Rs.30,000 within 90

for renewal fee

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credit period of 41 days, while a purchase made

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Paid by the payment due date, Clear funds need

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F Easy EMI - Principal 500 to 23rd May 22

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Charges, EMI, Cash Advances and Retail

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1800 309 3100 For dedicated concierge

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usage or non-activation of the card and request

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WhatsApp Cardmember or any additional

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Protection Policy Note by visiting the Reserve Bank of India.

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H) Disclosure will be adjusted towards the next statement

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Card if it is in arrears, restructured, suspension or

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the transaction amount will have to be paid via

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by the bank. categories

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01.09.22 01.09.22 1 NPA NA NPA 02.05.22

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