Professional Documents
Culture Documents
Please note that the Finance Charges and other I) In case the Cardmember has an HDFC
charges are subject to change at the discretion of Bank account, he can make the Payment
HDFC Bank. through NetBanking, ATMs, or
Also please note that if the Cardmember exceeds PhoneBanking.
the credit limit of the accounts, Over Limit Charges II) In case the Cardmember has an HDFC
excluding Infinia will be levied on the account. For a Bank account, he can opt for a Standing
list of charges that may be levied at specific Instruction facility, where funds can be
instances, please refer to the Schedule of Charges automatically transferred from the
available at the end of this document. Cardmember's HDFC Bank account to the
Cardmember's card account on due date.
4. Billing and Statement
III) Customer can also make payment through
a) HDFC Bank will send the Cardmember a NEFT fund transfer mode from other bank
monthly statement showing the payments account (use IFSC code HDFC0000128) or
credited and the transactions debited to the use the VISA Money transfer facility.
Cardmember's account since the last
IV) In case the Cardmember does not have an
statement. The Bank will mail a statement of
HDFC Bank account, he can make the
transactions in the card account every month
Payment through Bill Desk facility using
on a pre-determined date, to the mailing
other banks NetBanking account.
address on record with the bank. If the balance
outstanding is less than `200/- and there is no iii) By dropping the payment instrument
further transaction pending billing since the last (Cheque or draft) into any of the HDFC
statement, no statement will be issued. Bank Credit Card drop boxes placed in the
HDFC Bank branches and ATMs.. The
b) HDFC Bank Credit Cards offer the Cardmember
Cheque Draft should be made payable to
the facility of revolving credit. The Cardmember
HDFC Bank Card Number xxxx xxxx xxxx
may choose to pay only the Minimum Amount
xxxx.
Due printed on the statement. The balance
outstanding can be carried forward to iv) Through Cash Payments at the bank
subsequent statements. The Cardmember can branches.
also choose to pay the Total Amount Due or any f) Billing Disputes: All the Contents of the
part of the amount above the Minimum Amount statement will be deemed to be correct and
Due. Such payment should be made before the accepted if the Cardmember does not inform
Payment Due Date. Clear funds need to be HDFC Bank of the discrepancies within 60
credited to HDFC Bank Card account on or days of the Statement Date in writing. On
before payment due date to avoid Late Payment receipt of such information, HDFC Bank may
Charges. Cardmembers are advised to drop reverse the charge on temporary basis pending
local cheques well in advance of the Payment investigation. If on completion of subsequent
due date to ensure payment reflects on the card investigations, the liability of such charges is to
account within the Payment due date. Any the Cardmembers account, the charge will be
unpaid Minimum Amount Due of the previous reinstated in a subsequent statement along
statements will be added to the Cardmember's with the associated retrieval requests charges.
current Minimum Amount Due in addition to the Upon receipt of dispute from customers, within
outstanding exceeding the Cardmember's a maximum period of sixty days, Bank would
Credit Limit. provide necessary documents, wherever
c) Payments made towards the card outstanding applicable and received from the Member
are acknowledged in subsequent statements. Bank, subject to operating guidelines laid
down by the respective franchisee like
d) Payments received against the Cardmember's
Visa/Master Card/Diners Club etc. GST levied
card outstanding will be adjusted against all
will not be reversed on any dispute on Fee &
taxes, fees and other charges, interest charges,
Charges / interest.
cash advances and purchases in that order.
Kindly refer our Customer Protection Policy for
e) Payments towards the card account may be
electronic banking transactions at:
made in any of the following ways:
www.hdfcbank.com/assets/pdf/Customer-Protection-Policy.pdf
MOST IMPORTANT TERMS & CONDITIONS
g) Contact Particulars: The Cardmember can membership at any time by writing to HDFC
contact HDFC Bank Credit Cards for making Bank at the following address: Manager HDFC
any enquiries or for any grievance redressal Bank Credit Cards, P.O. Box 8654, Thirvanmiyur
through: HO, Chennai- 600 041. Along with the cards cut
diagonally to pieces, all the cards including the
• Please visit www.hdfcbank.com to know add-on cards will be terminated basis the
our 24 hours call center number written request. Termination will be effective
• For Infinia / Diners Black customers pls visit only after receipt of the cut cards and payment
https://www.hdfcbank.com/Infinia for 24 of all amounts outstanding to the card account.
hours dedicated customer care number No annual, joining or renewal fees shall be
• Through mail - Manager, HDFC Bank Cards refunded on a pro-rata basis.
P.O. Box 8654, Thirvanmiyur, Chennai - B) In case the Bank notices unusual and abnormal
600 041 transaction patterns in the use of the Card, the
• By Email: Bank will try to establish contact with the
customerservices.cards@hdfcbank.com customer on the registered phone number of the
customer available on its records to verify the
5. Default
bonafideness of the card transaction. Failure on
In the event of default, the Cardmember will be the part of the Bank to establish contact with the
sent reminders from time to time for settlement customer, the Bank may restrict/terminate the
of any outstanding on the card account, by use of the Card without any further notice, if the
post, fax, telephone, e-mail, SMS messaging Bank reasonably believes it necessary in the
and/or engaging third parties to remind, follow interest of the Cardholder and for security
up and collect dues. Any third party so reasons.
appointed, shall adhere fully to the code of
HDFC Bank can suspend the facility on the
conduct on debt collection.
Credit Card, if the Cardmember defaults on
6. Right of Lien payment due or exceeds the credit limit
A) The bank, at any time and without notice, will extended. The Credit Card must not be used
have lien and right to set-off on all monies after the Agreement has ended or if the card
belonging to the Cardmember and/or add on account is suspended.
Cardmember standing to their credit in any With a view to ensure that the Credit Card is
account/custody of the bank, if upon demand being used as per the regulatory guidelines,
by the bank, the balance amount on the card Terms and Conditions and applicable policies of
account is not repaid within the prescribed time. the Bank, Bank shall have a right to run periodic
B) During settlement of redemption in case checks on the Credit Card usage to identify
available Reward Points balance is lesser than whether there is excessive utilization of credit
Points required for the transaction, the bank limit beyond the sanctioned limit in one
reserves rights to debit the differential amount statement cycle, unusual or excessive utilization
on the Customers Card/Account. at few select merchants, possible collusion with
merchant and/or usage towards non-personal/
7. Termination/Revocation of the Card Membership business related requirements, over-use/
I/ We understand that the usage of the HDFC misuse of features/ offers/ programs towards
Bank International Credit Card(s) shall be strictly accumulation of undue reward points/ cash
in accordance with exchange control back / other benefits amongst others. Based on
regulations, law of the land or of the Regulatory the usage patterns, if any of these is suspected
authorities as applicable from time to time, the by the Bank, Bank may take restrictive action on
card will not be used for transactions involving the Credit Card. Such action can be with
Forex trading, lottery, betting, gambling, dating immediate effect and may include but not be
which I/We undertake as my/our responsibilities limited to withdrawal of features/ benefits as
to keep myself/ourself updated of and in the well as complete termination of the Credit Card.
event of any failure to do so , I/We will be liable If any such action is taken by the Bank onus will
for action under the Foreign exchange be on customer to provide satisfactory proof of
management act 1999 or its statutory bona fide usage to reinstate the Credit Card and
modifications or re-enhancement thereof. attached features/ benefits as may be deemed
A) The Cardmember may terminate the card fit by the Bank. Bank's decision in this regard
MOST IMPORTANT TERMS & CONDITIONS
shall be final and binding on the customers loss by the bank, the Cardmember’s
C) In such a situation, the Cardmember must subsequent liability is zero. In addition to
(subject to any default or other notice required by notifying HDFC Bank about the loss or theft of
law) immediately pay HDFC Bank the total the Card, the Cardmember must report any loss
outstanding balance on the Account. This or theft of the card to the police, lodge an FIR
includes all amounts due to HDFC Bank under the and provide acknowledged copy of the police
Agreement, including all transactions and other complaint.
amounts not yet charged to the Account. The C) The Cardmember will be liable for all losses in
card will not be considered as closed until the case of misuse of the card by someone who
Cardmember has paid all such due amounts. obtained the PIN or the card with the consent of
D) The death or in capacitance of a Cardmember Cardmember or an Additional Cardmember.
insolvency / dissolution / bankruptcy or winding D) If the Cardmember has acted fraudulently the
up of a corporate body of a Cardmember shall Cardmember will be liable for all losses. If the
automatically cancel the card issued to the Cardmember acts without reasonable care, the
Cardmember as well as any Add-on Cardmember may be liable for all losses
Cardmembers. The Card Account would also be incurred.
liable to be suspended on instructions from any E) HDFC Bank may, without referring to the
government regulatory body. All amounts Cardmember or any additional Cardmember,
outstanding on the Card Account shall be give the police or other relevant authorities any
deemed to have immediately become due on information that HDFC Bank consider relevant
death or incapacitance, insolvency, bankruptcy, about the loss, theft, misuse of a Card or PIN.
winding up or instruction from
F) An optional insurance product may be availed of
government/regulatory bodies, as the case may
by the card members, at his/her own discretion,
be, and Bank shall be entitled to recover the same
to cover the liability arising in the event of any
in accordance with the relevant laws in force
fraudulent transactions on the Credit Card. For
without prejudice to the obligation of the
further details and terms and conditions of such
Cardmember to forth with pay all outstanding
Insurance cover, kindly contact our
amounts.
representative of the Bank.
8. Loss / theft / misuse of Card
9. Reward Points
A) The Cardmember must notify the 24 Hour Call
Reward Points will be earned for transaction
Center immediately if the Primary or any
amounts in multiples of `150, residual amounts
Additional credit card is misplaced, lost, stolen,
or transactions below `150 will not earn Reward
mutilated, not received when due or if he/she
Points. For Jet Privilege Credit Card variants,
suspects that the Credit Card is being used
JetPrivilege miles will be earned for transaction
without Cardmember's permission. Once a card
amounts in multiples of `150, residual amounts
is reported lost, it should not, under any
or transactions below `150 will not earn
circumstance be used if found by the
JetPrivilege miles. For Silver cards and Freedom
Cardmember subsequently. As the Add-On card
Plus Cards, Reward Points are earned on
is an extended facility given on the Primary Card
transactions amounts in multiple of `200,
Account, the Add-on card is rendered invalid
residual amounts or transactions below `200
when the primary card is reported lost. Similarly, if
will not earn Reward Points.
the Add-on card is reported lost, the primary Card
Account and other Add-on cards are invalidated. Reward Points are valid only for 2 years from the
data of accumulation. e.g.:- if you have received
B) The Bank is not liable or responsible for any
Reward Points in the month of May 2015, then
transaction incurred on the card account prior to
same will expire in May 2017, except for
time of reporting of the loss of the card, and the
Infinia/Diners Black for which reward points are
Cardmember will be wholly liable for the same.
valid for 3 years.
Card swipe transactions may get processed by
merchants without PIN / additional Effective 1st July, 2017:
authentication, when it is initiated on merchants a. EasyEMI and e-wallet loading transactions will
located outside India as it may not be a mandate not accrue Reward Points/JP Miles.
in those countries. Cardmember is wholly liable b. Reward Points/JP Miles accrued will be
for all transactions prior to reporting of loss of the reversed if a retail transaction is converted into
card. After the receipt of proper notification of the SmartEMI.
MOST IMPORTANT TERMS & CONDITIONS
c. Reward points/JP Miles accrued for Insurance overdue, with due notice. Any refresh / updation of
transactions will have a maximum cap of 2,000 data on receipt of payment towards overdue card
per transaction. accounts will reflect in CIBIL / other credit bureaus
d. If the Credit Card is not used for more than 365 within a period of 60 days from the date of receipt
days, Reward Points accrued will be nullified. of payment by the bank. We also wish to inform
the Cardmember that the bank will, at its own
e. The Bank reserves the right to cancel or suspend
discretion, record specific conversations between
Reward Points accrued on the Credit Card if it is in
the Cardmember and the representative of the
arrears, suspension or default or if the Card
Bank, in cases of grievance-related conversation
Account is or is reasonably suspected to be
or payments-recovery-related conversations or
operated fraudulently. Reward Points earned but
any other conversations, that the Bank may deem
not redeemed at the time of death of the
fit. Select Credit Card variants have a
Cardmember shall be forfeited.
complimentary insurance cover on the Card. The
f. When the Cardmember obtains a refund or policy coverage starts from the date of the Credit
reimbursement for transactions previously Card set up. For more information and terms &
incurred (for example, for returned merchandise or conditions, please refer to the usage guide.
a cancelled transaction) a credit will be issued to
the Card Account in the amount of reimbursement 12. Lounge Access
granted. Such credits posted to the Card Account Priority Pass - Charge of $27 + taxes, will be
including but not limited to those arising from applicable on all the lounge visits exceeding the
returned goods or services or cancelled complimentary cap.
transactions, will reduce the Reward Points Infinia: Complimentary priority pass
accrued to the Card Account as per the membership for Primary and add-on card
adjustments. Incase of cancellation of Evouchers holders with unlimited lounge access for priority
that were availed by redeeming reward points, the pass card holder.
restoration of reward points, if allowed at the
Diners Club Credit Card – All visits exceeding
discretion of the Bank, would be allowed at same
the complimentary limit will be charged at the
rate at which the Evouchers redeemed at.
prevailing lounge rate inclusive of taxes. Card
10. Grievance Cell validation charges for the lounge will be levied
In the rare event of not being satisfied with the which will not be reversed.
response from any of the recent contacts with the Please ensure the safety of your Priority Pass to
Bank, you can write to - The Manager, Grievance avoid misuse. The priority pass is not
Cell, HDFC Bank Credit Cards Division. 8, Lattice transferable. Bank has the right to withdraw the
Bridge Road. Thiruvanrniyur, Chennai - 600 041, or Priority Pass membership or any other benefit
reach us on phone 04423625600 between associated with your credit card if your card is
09.30am to 05.30pm Monday to Friday. closed or remains inactive for more than 90
days.
11. Disclosure
These charges will be billed on your subsequent
The Cardmember acknowledges that as per
statement within 90 days of date of visit and this
existing business practices, the Bank can disclose
transaction will not accrue Reward Points.
from time to time any information relating to the
Currency conversion rate is applicable as on the
Credit Card(s), to any credit bureau (Existing or
date of settlement.
Future) without any notice to the customer. The
Credit Information Bureau India Ltd. (CIBIL) is an 13. Most Important Terms and Conditions in Regional
initiative of the Government of India and Reserve Languages
Bank of India to improve the functionality and Please Visit www.hdfcbank.com for information
stability of the financial system. All banks and on MITC in regional languages,
financial institutions participating in this initiative Options available
are required to share customer data with CIBIL /
1) Hindi 2) Kannada 3) Malayalam 4) Telugu
credit bureaus and this information is being
provided in the terms of the Credit Information 5) Tamil 6) Bengali 7) Marathi 8) Gujarati
Companies Regulation Act, 2005. In view of this we 9) Punjabi 10) Oriya 11) Assamese 12) Urdu
wish to inform the Cardmember that the bank can 13) Sindhi.
disclose any information relating to credit card(s)
default by the customer to CIBIL and to any other
credit bureau (Existing and Future) in case the card is
MOST IMPORTANT TERMS & CONDITIONS
SCHEDULE OF CHARGES
JetPrivilege HDFC Bank Diners Club, Infinia, Diners Black, Regalia, Business Regalia, Diners Club Rewardz, Times Platinum Card, JetPrivilege Platinum, Solitaire,
Description of charges Doctor’s Regalia, Diners Club Premium, Diners ClubMiles, JetPrivilege World / Platinum Edge, MoneyBack, Business MoneyBack, JetPrivilege Titanium / Select,
Signature, AllMiles, Doctor’s Superior, Regalia First, Business Reglia First, Bharat Times Titanium Card, Teacher’s Platinum, Business Platinum,
CashBack, Freedom Card, Business Bharat CashBack, Business Freedom Card Snapdeal HDFC Bank Card
Interest free period Up to 50 days Up to 50 days
Minimum Repayment Amount 5% or minimum `200 5% or minimum `200
Cash Advance Limit 40% of the Credit Limit 40% of the Credit Limit
Annual / Renewal fee Regalia / Business Regalia / Doctor’s Regalia – `2,500 Diners Club Rewardz – `1,000
Diners Club Premium – `2,500 JetPrivilege HDFC Bank Platinum / Times Platinum Card – `1,000
JetPrivilege HDFC Bank World / Signature - – `2,500 Solitaire / Platinum Edge / MoneyBack / Business MoneyBack /
AllMiles, Doctor’s Superia – `1,000 JetPrivilege Titanium & Select / Times Titanium Card /
JetPrivilege HDFC Bank Diners Club – `10,000 / `5,000 Teacher’s Platinum / Snapdeal HDFC Bank Card – `500
Regalia First / Business Regalia First / Diners ClubMiles – `1,000 Business Platinum – `299
Infinia – ₹10,000 Bharat CashBack / Freedom Card /
Diners Black – ₹10,000 / ₹5,000 Business Bharat CashBack / Business Freedom Card – `500
Freedom Card
Spend `60,000 in a year and get a waiver of next year’s annual membership fee
Bharat / Business Freedom / Business Bharat CashBack / Bharat CashBack
Spend `20,000 in a year and get a waiver of next year’s annual membership fee
Solitaire / Titanium Edge / Platinum Edge / MoneyBack / Business MoneyBack
Spend `50,000 in a year and get a waiver of next year’s annual membership fee
AllMiles / Doctor’s Superia / Diners Club Rewardz / Regalia First / Business Regalia First / Diners ClubMiles
Spend `1,00,000 in a year and get a waiver of next year’s annual membership fee
Regalia / Business Regalia / Doctor’s Regalia / Diners Club Premium
Spend condition for waiver of Spend `3,00,000 in a year and get a waiver of next year’s annual membership fee
annual charges JetPrivilege HDFC Bank Titanium & Select / Times Titanium Card / Snapdeal HDFC Bank Card
Excludes transactions below Spend `1,50,000 in a year and get a waiver of next year’s annual membership fee
JetPrivilege HDFC Bank Platinum / Times Platinum Card
• Cash on Call Spend `2,50,000 in a year and get a waiver of next year’s annual membership fee
• Balance Transfer JetPrivilege HDFC Bank World / Signature
Spend `3,00,000 in a year and get a waiver of next year’s annual membership fee
• Cash Withdrawal
Teacher’s Platinum / Business Platinum
Spend `30,000 in a year and get a waiver of next year’s annual membership fee
Infinia
Spend ₹ 8 Lakh in a year and get a waiver of next year annual membership fee
Diners Black
Spend ₹ 5 Lakh in a year and get a waiver of next year annual membership fee
Additional Card Fee Lifetime Free
JetPrivilege HDFC Bank Diners Club/ Diners Black/ Infinia - 1.99% per month i.e. 23.88% annually
Jet World / Signature - 3.49% per month i.e. 41.88% annually
Regalia/Business Regalia/Doctors Regalia per month ie 3.49% annually 41.88%
Regalia First/Business Regalia First - 3.49% per month i.e. 41.88% annually
Charges on Revolving Credit Others - Initial interest rate at card issuance is 3.49% per month i.e. 41.88% annually
This can change periodically depending on spend, payback and utilization patterns. The maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.
Card issued against Fixed Deposit - 1.99% per month (23.88% annually) applicable from transaction date
Cash Advance Charges (excluding Infinia) 2.5% of amount withdrawn or `500 whichever is higher 2.5% of amount withdrawn or `500 whichever is higher
Statement Balance Late Payment Charges
Less than `100 Nil
Late Payment Charges `100 to `500 `100/-
(Basic Credit Card bill amount) `501 to `5,000 `400/-
(excluding Infinia) `5,001 to `10,000 `500/-
`10,001 and above `750/-
Charges on overlimit account (excluding Infinia) 2.5% of overlimit amount, subject to a minimum of `500 2.5% of overlimit amount, subject to a minimum of `500
Payment Return Charges 2% of Payment amount subject to minimum of `450 2% of Payment amount subject to minimum of `450
`100 (for all card payments made by depositing in HDFC `100 (for all card payments made by depositing in HDFC
Cash Processing Fee Bank branches or ATMs) Bank branches or ATMs)
`99 per redemption request - Applicable for all cards other than JetPrivilege HDFC `99 per redemption request – Not applicable for JetPrivilege HDFC Bank
Rewards Redemption Fee Bank World / JetPrivilege HDFC Bank Diners Club / Infinia Platinum & JetPrivilege HDFC Bank Titanium
Balance Transfer Processing Charges 1% of BT amount or `250, whichever is higher 1% of BT amount or `250, whichever is higher
Loan Processing Fee and PreClosure Loan Type Processing Fee
Insta Loan - *`500
Charges
Jumbo Loan - *`500
Smart EMI - *1% of Loan Amount, Minimum `150
Balance Transfer on EMI - *1% of Loan Amount, Minimum `250
* Loan PreClosure Charges: 3% of the Balance Principal Outstanding
Waived for transaction between
Fuel Transaction Surcharge JetPrivilege HDFC Bank Diners Club/Infinia/Diners Club Black – Fuel Surcharge Waiver capped at `1000 every billing cycle a) `400 to `5000 for Regalia / Business
(GST applicable). Diners Premium, Diners ClubMiles, Jet World / Signature, Regalia, Diners Rewardz, Regalia First, Regalia / Doctor’s Regalia / Regalia First /
Business Regalia First, Jet Platinum, ALLMILES, Business Regalia, Doctor’s Regalia, Times Platinum – Fuel Surcharge
Waiver capped at `500 every billing cycle (GST applicable). All other cards – Fuel Surcharge Waiver capped at `250 every Business Regalia First
billing cycle (GST applicable). Reward Points / JPMiles will not be accrued on fuel transactions. GST charged on fuel b) `400 to `5000 for all other cards. Reward Points
surcharge is non-refundable. Fuel Surcharge Waiver will be capped at 1% of the eligible fuel transaction amounts. Taxes on / JPMiles will no be accrued on fuel transactions.
Fuel surcharge will not be reversed. The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST charged on fuel surcharge is non-refundable.
Bank Charges Cross currency mark-up of 3.5% (2% for Regalia / Business Regalia / Bank Charges Cross currency mark-up of 3.5%
Foreign Currency Transactions Doctor’s Regalia / JetWorld / JetPrivilege HDFC Bank Diners Club / Diners Club (3.0% for Diners Club Rewardz, Diners ClubMiles)
Premium / Regalia First / Business Regalia First / Infinia / Diners Black )
Goods and Services Tax (GST) Applicable on all Fees, Interest and other Charges. • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If
POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST. • GST For FEE & Charges / Interest
transactions Billed on statement date will reflect in next month statement. • GST levied will not be reversed on Any dispute on Fee & Charges / interest.
If you don’t wish to be called about our products and services, kindly log on 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.