hdfc charges

7/28/2019 hdfc charges

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1. Fees and Charges

A. Fees payable on the Credit Card by the

Cardmember

B. CashAdvance Fees

C. Charges

D. Interest Free Period

Annual Fees Renewal Fees

The fees may var y for each Cardmember, and

f ro m o ff er t o o ff er. T he s am e i s c om mu ni ca te d t o

the Car dmember at the t ime of applying f or the

credi t card. The above f ees as appli cable are

bill ed to the car d account and are st ated in t he

card statement of t he month in which it is

charged.

The Cardmember can use t he Card to access

cash i n an emergency from ATMs in India or

abroad. A tr ansacti on fee of 2.5% (Minimum

R s. 3 00 ) w o ul d b e l e vi e d o n t h e a mo u nt w i th d ra wn

a nd w ou ld b e b il le d t o t he C ar dm em be r i n t he n ex t

statement.The tr ansact ion f ee is subject to

c ha ng e a t t he d is cr et io n o f H DF C B an k. A ll c as h

ad va nc es a lso c ar ry a f ina nc e ch ar ge o f 3 .2 5%

per mont h (39% annually) f rom the date of wit hdrawal unti l the dat e of f ull payment. The

finance char ge is subject to change at t he

d i sc r et i on o f H D FC B a nk .

i) Charges and fees, as may be applicable fr om

time to time, are payable by Cardmember s for

s pe ci fi c s er vi ce s p ro vi de d b y H DF C B an k t o t he

Cardmember or f or default s committ ed by t he

C a rd m em b er w i t h r e fe r en c e t o h i s c a rd a c co u nt .i i) H DF C B an k r et ai ns t he r ig ht t o a lt er a ny c ha rg es

or f ee s f rom t im e t o t im e o r t o i nt ro du ce an y n ew

charges or fees, as it may deem appropri ate,

w i th d u e i n ti m at i on t o c u st o me r.

H DF C B an k a t i ts s ol e d is cr et io n w il l d et er mi ne t he

C ardm ember 's Cr edi t l imi t and cash wi thdr awal

limit. (Add-on Cardmembers share the same limit).

These limits are communicated to the Cardmember

at the time of card delivery and in the monthly

s ta te me nt s. T he a va il ab le c re di t l im it a t t he t im e o f

the statement generation is provided as a part of the

monthly statement. HDFC Bank will review the

Cardmember account periodically, and increase or

d ecrease t he C ardm ember cre dit l im it based o n

internal criteria. Cardmembers seeking to have their

credit limit increased can do so by writing to the

Bank and providing financial documents declaring

t hei r incom e. The B ank, at i ts sol e di scr et ion and

based on such new documents provided, mayincrease the Credit Limit of the Cardmember.

2. Limits

3. Finance Charges

Finance charges are payable at the monthly

percentage rate on all transactions from the

date of transaction in the event of the

Cardmember choosing not to pay his

balance in full, and on all cash advances

taken by the Cardmember, till they are paid

back. Finance charges, if payable, are

debited to the Cardmember's account till the

outstanding on the card is paid in full.

M O ST I M P ORTA NTTE RM S & C ON DI TI ON S

Ve r s i on 1 . 3 5

T h e i nt e r es t f r e e cr e d i t p e r i od c o u ld r a n ge f r o m 20

t o 5 0 d a ys s u b je c t t o t h e s ch e m e a pp l i c ab l e o n t he

s p e ci f i c c r e d it c a r d ( p l e as e r ef e r t o th e S ch e d ul e of

C h ar g es ) a n d t h e s u bm i ss i on of c l ai m s b y t h em er ch an t. H ow ev er, t hi s i s n ot a pp li ca bl e i f t he

p re vi ou s m on th 's b al an ce h a s n ot b ee n c le ar ed i n

full or if the Cardmember has availed of cash from

ATM. For instance, the HDFC Bank International

Silver Credit Card has an interest-free Credit

Periond of up to 50 days. This means that a

customer who has a billing date of 4th of the

month can spend on his Card from 5th April to

4th May, his bill will be generated on 4th May and

his Payment Due Date will be 24th May. Hence a

purchase made on 14th April will have a credit

period of 41 days, while a purchase made on 2nd

May will have a credit period of 23 days. This

period will be free of interest only if all previous

dues are paid in full and there is no unpaidb a l a n c e c a r r i e d o v e r f r o m p r e v i o u s m o n t h s


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a ) I nt er est o n R s 1 50 00 @ 3 .2 5% pm f rom 1 9 A pr il

t o 11 M ay ( i. e. f or 2 3 d ay s) = R s 3 68 .6 3

I nterest on Rs 13000 @ 3. 25%pm from 12 May t o

1 4 Ma y ( i. e. f or 3 da ys ) = R s 4 1. 67

I nt er es t o n R s 5 00 0 @ 3 .2 5% pm f ro m 1 9 A pr il t o 1 4

M ay ( i. e. f or 2 6 d ay s) = Rs 1 38 .9 0

I nt er est on Rs 3 000 @ 3 .2 5% pm f ro m 15 Ma y t o 1 8

M a y ( i . e . f o r 4 d a y s ) = R s 1 2 . 8 2

I nterest on Rs 1000 (fr esh spends @ 3.25%pm

f rom 14 Ma y t o 1 8 M ay ( i. e. f or 5 d ay s) = R s 5 .34T hu s t ot al i nt er es t o f R s 5 67 .3 7

b ) L at e p ay me nt c ha rg es =R s. 5 00

c ) S er vi ce t ax @1 2. 36 % o f i nt er es t a nd o th er

c ha rg es = R s. 1 3 1. 93

d ) To ta l p ri nc ip al a mo un t o ut st an di ng = R s 4 00 0

( Rs 10 00 f resh sp en d + b al an ce R s 30 00

o ut st an di ng f r om l as t m on th s b il li ng p er io d)

Hence Total Amount Due = (a) + ( b) + (c) + (d) =

Rs. 5199.30

Therefore,

Finance charges on cash advances are

applicable from the date of transaction until

the payment is made in full.

When the customer carries forward any

outstanding amount or avails of Cash

Advance, a finance charge calculated byaverage Daily Balance Method, will apply to

balances carried forward and to fresh

billings.

If a Cardholder avails of the revolving credit

facility of the HDFC Bank Credit Card and

hence chooses to pay an amount less than

the total amount due reflected in the monthly

billing statement, the entire outstanding

amount would attract finance charges and allnew transactions will also attract finance

charges till such time as the previous

outstanding amounts are repaid in full.

Late Payment char ges will be applicable if

Minimum Amount Due is not paid by the

payment due dat e, Clear funds need t o be

credit ed to HDFC Bank Card account on or

befor e t he payment due date, t o avoid Late

Payment charges. Lat e payment charges ar ea p p l ic a b l e a s :

Less than Rs.100 - Nil,

Rs. 100 to Rs.500 - Rs.100/-

Rs.501 to Rs. 5, 000 - Rs. 400/ -

R s . 5,001 t o Rs.20, 000 - Rs.500/-

Rs. 20,001 and above - Rs.700/-

Ov er l i mi t ch ar g es are ap pl i ca b l e on to t a l

outstanding exceeding the Credit Limit at the rate of

2 .5 % o f t he o ve rl im it a mo un t s ub je ct t o m in im um o f

Rs.500.

Statement Balance Lat e Payment

Charges

T he f ol lo wi ng i ll us tr at io n w il l i nd ic at e t he

m e t ho d o f c a lc u la t in g v a ri o us c h ar g es

Assum e that you have paid all previ ous dues in full

a nd d o n ot h av e a ny a m ou nt o ut st an di ng i n y ou r S i lv er C a rd A c co un t. Yo ur s ta t em e nt d at e i s 1 8t h o f

e v e r y m o n t h . T h e f o l l o w i n g i s t h e l i s t o f

t ra ns ac ti on s y ou h av e d on e o n y ou r C a rd a c co un t.

Thus, on the st at ement dat ed 18th May, thef ol lo wi ng w il l r ef le ct a s t he c om po ne nt s o f t he t ot al

a mo un t p ay ab le b y y ou :

I nt er es t c al cu la te d = ( ou ts ta nd in g a mo un t x 3 .2 5%

p m x 1 2 m o n t h s x n o o f d a y s ) / 3 6 5

L at e p ay me nt c ha rg es = R s. 5 00

D a te Tr a ns a c t i on A m o u nt

1 0 A p r il P u r c ha s e of R s 15 0 0 0h o u s e h o l d g o o d s

1 5 A pr il P ur ch as e of ga rm en ts R s 50 00a n d a c c e s s o r i e s

1 8 A p r il S ta t e m e n t d a t e To t a l A m ou n t D ue= R s 2 0 0 0 0M i n i m u m A m o u n t D u e= R s 1 0 0 0

1 2 M a y P ay m en t in t o C ar d R s 2 0 0 0 ( C re d it )a c c o u n t ( L a t e p a y m e n tc h a r g e s w i l l b ea p p l ic a b l e h e r e )

1 4 M ay P ur ch as e o f g ro ce ri es R s 1 00 0

1 5 M ay P ay me nt in to C ar d R s1 50 00 ( Cr ed it )Acco unt

(E ffective from May 1st 2012)*


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Please not e that the Finance Charges and other

c ha rg es a re su bjec t t o ch ang e at t he d iscr et io n of

H D F C B a n k.

Also please note that if the Cardmember

exceeds the Credit limit of the accounts,

O ve rl im it C ha rg es w il l b e l ev ie d o n t he a cc ou nt .F or a l is t o f c ha rg es t ha t m ay b e l ei ve d a t s pe ci fi c

i nstances, please refer t o the Schedule of

C h ar g es a v ai l ab l e a t t h e e n d o f t h is d o cu me n t.

4. Billing and Statement

a) HDFC Bank wi ll send t he Car dmember a

mo nt hl y st at em en t sh ow in g th e pa ym en ts

credi ted and the transacti ons debited t o t he

C a rd me m be r 's A c co un t s i nc e t h e l a st s t at e me nt .

T he B an k w il l m ai l a s ta te me nt o f t ra ns ac ti on s i nthe card account every month on a pr e-

deter mined dat e, to the maili ng address on

r ec or d w it h t he b an k. I f t he b al an ce o ut st an di ng

is less than Rs.200/- and there is no further

t r a ns ac t i o n pe nd i n g bi l l i n g s i n ce t h e l a st

s t at e me n t, n o s t at e me nt w i ll b e i s su e d.

b ) H DF C B an k C re di t C ar ds o ff er t he C ar dm em be r

t he f ac il it y o f r ev ol vi ng c re di t . T he C ar dm em be r

may choose t o pay onl y the Minimum AmountDue printed on the st atement. The balance

o u t s t a n d i n g c a n b e c a r r i e d f o r w a r d t o

s ub se qu en t s ta te me nt s. T he C ar dm em be r c an

a ls o c ho os e t o p ay t he To ta l A mo un t D ue o r a ny

pa rt of t he a mo un t a bo ve t he M ini mu m Am oun t

Du e. S uc h pa yme nt s ho ul d b e m ade b ef or e t he

Payment Due Dat e. Clear funds need to be

credi ted to HDFC Bank Car d account on or

b ef or e p ay me nt d ue d at e t o a vo id L at e P ay me nt

Charges. Car dmember s are advised t o drop

l oc al c he qu es w el l i n a dv an ce of

P ay me nt d ue d at e t o e ns ur e p ay me nt r ef le ct s o n

the card account wit hin the Payment due

date. Any unpaid Minimum Amount Due of the

previ ous st atements will be added to the

C ar dm em be r' s c ur re nt M in im um A mo un t d ue i n

addit ion to t he outst andi ng exceeding t he

C a r dm e m be r ' s C r e di t L i m i t.

c ) P ay me nt s m ad e t ow ar ds t he C ar d o ut st andi ng

a r e a c k no w l ed g e d i n s u b se q u en t s t a t em e n t s.

d ) P a ym e nt s r e ce i ve d a g ai n st t h e C a rd m em b er s

c ar d o ut st an di ng w il l b e a dj us te d a ga in st a ll

t a x e s , f e e s a n d o t h e r c h a r g e s , i n t e r e s t c h a r g e s ,

c a sh a d va n ce s a n d p u rc h as e s i n t h at o r de r.

e ) Pa ym en ts t ow ar ds t he c ar d a cc ou nt m ay b e

m ad e i n a ny o f t he f ol lo wi ng w ay s:

i ) B y d r op p in g t h e p a ym e nt i n st r um e nt ( C he q ue

o r d ra ft ) i nt o a ny o f t he H DF C B an k C re di t

C ar d d ro p b ox es p la ce d i n t he H DF C B an k

b ra nc he s a nd AT Ms . T he C he qu e/ Dra ft

s h o u l d b e m a d e p a y a b l e t o H D F C B a n k C a r d

N um be r x xx x x xx x x xx x x xx x.

i i ) I n c a s e t h e C a r d m e m b e r h a s a H D F C B a n k

a c c o u n t , h e c a n o p t f o r a S t a n d i n g I n s t r u c t i o n

f ac il it y, w he re f un ds c an b e a ut om at ic al ly

t ra n sf e rr e d f ro m t h e C a rd m em b er ' s H D FC

B an k a cc ou nt t o t he C ar dm em be r' s c ar d

a cc ou nt o n d ue d at e.

i ii ) In c as e t he C ar dm em be r h as a H DF C B an k

a c co u nt , h e c a n m a ke t h e P a y m en t t h ro u gh

N e t ba n k i ng , AT M s , o r P h o n eB a n k in g .

iv )T h r ou gh C a s h Pa y m e n t s a t t he b a nk

branches.

f ) B il li ng D is pu te s: A ll t he c on te nt s o f t he s ta te me ntw i l l b e d e e m e d t o b e c o r r e c t a n d a c c e p t e d i f t h e

C a rd m em b er d o es n o t i n f or m H D F C B a n k o f t h e

d i sc r ep a nc i es w i th i n 6 0 d a ys o f t h e S t at e me n t

D a te i n w r it i ng . O n r e ce i pt o f s u ch i n fo r ma t io n ,

H DF C B a n k m a y re v e rs e t h e c h a r g e o n

t em po ra ry b as is p en di ng i nv es ti ga ti on . I f o n

c o mp l et io n o f s u bs e qu e nt i n ve s ti g at i on s , t h e

l i a b i l i t y o f s u c h c h a r g e s i s t o t h e C a r d m e m b e r ' s

a cco un t, th e c har ge wil l be r ei nst at ed in as u bs e qu e nt s t at e me n t a l on g w i th t h e a s so c ia t ed

r e t ri e v a l r e q u es t s c h a rg e s .

g ) C on ta ct P ar ti cu la rs : T he C ar dm em be r c an

c on ta ct H DF C B an k C re di t C ar ds f or m ak in g a ny

e n qu i ri e s o r f o r a n y g r ie v an c e r e dr e ss a l t h ro u gh :

2 4 H ou r Cu sto me r Se rv ice Ca ll C ent re - a

d e t a i l e d l i s t o f p h o n e n u m b e r s i s a v a i l a b l e a t t h e

e n d o f t h i s d o c u m e n t a n d o n t h e r e v e r s e o f t h e

m o n t hl y s t a te m e n ts .T h r o u gh m a i l - M a n a g er, H D F C B a nk C a r d sD i vi s io n , P. O . B o x 8 6 5 4 , T h ir u va n mi y ur, P. O .

C h en n ai - 6 0 0 0 41 .

the


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B y e m ai l

I n t he e ve nt o f d ef au lt , t he C ar dm em be r w il l b e

s e n t r e m i n d e r s f r o m t i m e t o t i m e f o r s e t t l e m e n t o f

a ny o ut st an di ng o n t he c ar d a cc ou nt , b y p os t, f ax ,t el ep ho ne , e -m ai l, S MS m es sa gi ng a nd /o r

e ng ag in g t hi rd p ar ti es t o r em in d, f ol lo w u p a nd

c o ll ec t d u es . A n y t h ir d p a rt y s o a p po in t ed , s h al l

adhere fully to the code of conduct on debt

collection.

T he b an k, a t a ny t im e a nd w it ho ut n ot ic e, w il l

h av e lie n a nd r ig ht to s et-o ff o n al l m on ies

b el on gi ng t o t he C ar dm em be r a nd /o r a dd o nC ar dm em be r s ta nd in g t o t he ir c re di t i n a ny

a c c o u n t / c u s t o d y o f t h e b a n k , i f u p o n d e m a n d b y

t he ba n k , th e b a la n ce a m o un t o n th e c a rd

a c co u nt i s n o t r e pa i d w i th i n t h e p r es c ri b ed t i me .

A) The Cardmem ber may terminate the card

m em be rs hi p a t a ny t im e b y w ri ti ng t o H DF C

B a nk a t t h e f o ll o wi n g a d dr e ss : " M an a ge r, H D FCB a n k C r e d i t C a r d s ,

a l o n g

w it h t he c ar ds c ut d ia go na ll y t o p ie ce s. A ll t he

c a r d s i n c lu d in g t h e a d d - o n c a rd s wi l l b e

t e r m i n a t e d b a s i s t h e w r i t t e n r e q u e s t .

Te r m i na t i on w i l l b e e ff e c ti v e o n l y a f t er r e c e ip t o f

t he c u t c a rd s a n d p ay m e n t of a ll a m ou n ts

o ut st an di ng t o t he c ar d a cc ou nt . N o a nn ua l,

joining or renewal fees shall be refunded on ap r o -r a t a b a s i s.

B)

customerservices.cards @ hdfcbank.

com

5. Default

6. Right Of Lien

7. Termination/Revocation of the Card

Membership

P. O . B o x 8 6 5 4 ,

T h ir u va n mi y ur P. O , C h en n ai - 6 0 0 0 4 1.

C ) I n suc h a si tua ti on, th e C ar dm em ber m ust

( s ub j ec t t o a ny d ef a ul t o r o t he r n o ti c e r e qu i re d b y

l aw ) i mm ed ia te ly p ay H DF C B an k t he t ot al

o ut st an di ng B al an ce o n t he A cc ou nt . T hi s

i n cl u de s a l l a m ou n ts d ue t o H D FC B a nk u n de r

t h e A g re em e nt , i nc l ud i ng a l l t ra n sa ct i on s a n d

o t he r a m ou nt s n ot y et c ha r ge d t o t h e A c c ou n t.

T he c ar d w i ll n ot b e c o ns i de re d a s c l os e d u nt i l

t h e C a rd m em b er h a s p ai d a l l s uc h d u e a m ou n ts .

A) The Cardmember must notify the 24-Hour Call

c en te r i m m ed ia tel y if th e P rim ary o r a ny

Additional credit card is misplaced, lost, stolen,

m ut il at ed , n ot r ec ei ve d w he n d ue o r i f h e/ sh e

s us pe cts th at th e c re dit c ard is b ei ng u sed

w i t h o u t C a r d m e m b e r ' s p e r m i s s i o n . O n c e a c a r d

is rep orte d lo s t, it sh o uld no t, un de r an y

c i r c u m s t a n c e b e u s e d i f f o u n d b y t h e

C a r dm e m b er s u b se q u e nt l y. A s t h e A d d -O n c a r di s a n e x t e n d e d f a c i l i t y g i v e n o n t h e p r i m a r y C a r d

Account, the Add-On card is rendered invalid

w h e n t h e p r i m a r y c a r d i s r e p o r t e d l o s t . S i m i l a r l y ,

8. Loss/theft/misuse of Card

I n c as e t he Ba nk not ice s un us ua l a nd

abnormal transaction patterns in the use of the

Card, the Bank will try to establish contact with

the customer on the registered phone number

of the customer available on its records to

v e r i f y t h e b o n a f i d e n e s s o f t h e c a r d

transaction. Failure on the part of the Bank to

establish contact with the customer, the Bank

may restrict / terminate the use of the Card

without any further notice, if the Bank

r e as o na b ly b el i ev e s i t ne c es s ar y i n th e

interest of the Cardholder and / or for security

reasons.

H D F C B a n k ca n s u sp e n d th e f a ci l i t y o n t h e

Credit Card, if the Cardmember defaults on

p a ym e nt d ue o r ex c ee d s t h e c r ed i t li m it

extended. The Credit Card must not be used

a f t e r t h e A g r e em e n t h as e n d ed o r i f t h e c a r d

account is suspended.

The death or incapacitance of a Cardmember,

insolvency / dissolution / bankruptcy / or

w i n d i n g u p o f a C o r p o r a t e B o d y o f a

C ar dm em be r s ha ll a ut om at ic al ly c a nc el t he

c a rd i s su e d to t h e Ca r dm e mb e r as w e ll a s a n y

Add-on Cardmembers. The Card Account

would also be liable to be suspended on

instructions from any government / regulatory

b o d y. A l l a m o un t s o u t s ta n d i ng o n t h e C a r d

Account shall we deemed to have immediatelybecome due on death or incapacitance,

i n s o l v e n c y , b a n k r u p t c y , w i n d i n g u p o r

i n s t r u c t i o n f r o m g o v e r n m e n t / r e g u l a t o r y

b o d i es , a s t he c a s e ma y b e , a nd B a n k sh a l l b e

entitled to recover the same in accordance with

t h e r e l e va n t l a w s i n f o r c e w i t ho u t p r e j ud i c e t o

the obligation of the Cardmember to forth with

pay all outstanding amounts.

D)


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E) HD FC Ba nk m ay, with ou t refe rrin g to th e

C a rd m em b er o r a n y A d di t io n al C a rd m em b er,

g i ve t h e p o li c e o r o t he r r e le v an t a u th o ri t ie s a n y

i n fo r ma ti o n t h at H DF C B a nk c o ns i de r r e le v an t

a bo ut t he l os s, t he ft o r m is us e o f a C ar d o r P IN .

9. Grievance Cell

10.Disclosure

T he C ar dm em be r a ck no wl ed ge s t ha t a s p er

e x i st ing bu s i n e s s p ra ct ic e s , t he Ba n k i s

a ut ho ri se d t o d is cl os e f ro m t im e t o t im e a nyi n f o r m a t i o n r e l a t i n g t o t h e C r e d i t C a r d ( s ) , t o a n y

c r ed i t b u re a u ( E xi s ti n g o r F u tu re ) w i th o ut a n y

n o ti c e t o t h e c u st om e r. T h e C re d it I n fo rm a ti o n

B ur ea u I nd ia L td . ( CI BI L) i s a n i ni ti at iv e o f t he

G o v e r n m e n t o f I n d i a a n d R e s e r v e B a n k o f I n d i a

t o i m pr o ve t h e f u nc t io n al i ty a n d s t ab i li t y o f t he

f i na nc ia l sy s tem . A ll b a nk s a n d f i na nc ia l

i ns ti tu ti on s p ar ti ci pa ti ng i n t hi s i ni ti at iv e a re

w ill, at i ts o wn di sc re tio n, re cord s pe ci fic

c o nv e rs a ti o ns b e tw e en t h e C a rd m em b er a n d

t he re pres en ta tiv e o f t he B an k, i n c as es of

g r ie v an c e- re l at e d c o nv e rs a ti o n o r p a ym e nt s-

r ec ov er y- re la te d c on ve rs at io ns o r a ny o th er c o nv e rs a ti o n, t h at t h e B a nk m a y d e em f i t.

t h i s w e w i s h t o i n f or m t h e C a rd m e m be r t h a t t h e

b an k i s a ut ho ri se d t o d is cl os e a ny i nf or ma ti on

r e la t in g t o c r ed i t c ar d (s ) d e fa ul t b y t h e c us t om e r

t o C IB IL a nd t o a ny o th er c re di t b ur ea u ( Ex is ti ng )

a n d F u t u r e ) i n c a s e t h e c a r d i s o v e r d u e , w i t h

w is h t o i nf or m t he C ar dm em be r t ha t t he b an k

due notice. Any refresh / updation of data on

r e c e ip t o f p a y m en t t o w a r ds o v e r du e c a r da cc ou nt s w il l r ef le ct i n CI BI L / o th er c re di t

bureaus within a period of 60 days from the

date of receipt of payment by the bank. We

D ) I f t he C ar dm em be r h as a ct ed f ra ud ul en tl y t he

C ar dm em be r w il l b e l ia bl e f or a ll l os se s. I f t he

C a r dm e m b er a c t s w i t ho u t r e a so n a bl e c a r e, t h e

Ca rdm e m be r m a y be li ab le fo r a ll l os s es

incurred.

In the rare event of not being satisfied with the

response from any of the recent contacts with

the Bank, you can write to - The Manager,G r ie v an c e Ce l l, H D FC B a nk C r ed i t C ar d s

D i v i s i o n , 8 , L a t t i c e B r i d g e R o a d ,

Thiruvanmiyur, Chennai - 600 041, or reach us

on phone 044-23744704 between 09.30 am to

05.30 pm Monday to Friday.

i f t h e A d d- O n c a rd i s r e po r te d l o st , t h e p r im a ry

Ca rd A cc oun t a nd oth er Add -o n ca rds are

invalidated.

B ) T he B an k i s n ot l ia bl e o r r es po ns ib le f or a ny

t ra n sa c ti o ns i n cu rr e d o n t he c a rd a c co u nt p r io r t o

t i m e o f r e p o r t i n g o f t h e l o s s o f t h e c a r d , a n d t h eC a r d m e m b e r w i l l b e w h o l l y l i a b l e f o r t h e s a m e .

After the receipt of proper notification of the loss

b y t he B an k, t he C ar dm em be r' s s ub se qu en t

l ia bi li ty i s z er o. I n a dd it io n t o n ot if yi ng H DF C

B an k a bo ut t he l os s o r t he ft o f t he C ar d, t he

C a rd m em b er m u st r ep o rt a n y t h ef t o f C ar d s t o

t he P ol ic e, l od ge a n F IR a nd p ro vi de a ck no wl ed ge d

c op y o f p ol ic e c om pl ai nt .

C ) T he C ar dm em be r w il l b e l ia bl e f or a ll l os se s i nc as e o f m is us e o f t he c ar d b y s om eo ne w ho

o b t a i n e d t h e P I N o r t h e c a r d w i t h t h e c o n s e n t o f

C a r dm e m b er o r a n A d d it i o na l C a r dm e m b er.

r e q u ir e d t o s h a r e c us t o m er d a t a w i t h C I B I L /

credit bureaus and this information is being

provided in the terms of the Credit Information

Companies Regulation Act, 2005. In view of


6/6

A gra/A jmer/A llaha bad /Bareily/B hubaneshwar/B okaro/Cutta ck/Dhan bad / Dehra dun /E ro de/Guwa hati/Hissar/Jammu & S rina gar/Jamshedpur/

Jha nsi/Jodhp ur/ K arna l/K anpur/ Madurai/ Mangalore/Mathu ra/Meeru t/Mora dab ad/ Mu zaffa rpur /Mysore/P ali/P atiala/ P atna/Ra jko t/Ranch i/

Ro u rkela/S a lem/Shimla /S iliguri/ S ilvassa / S urat/ Trichy/ Udaipur/Va ranasi

C ar d a c co u nt l e vi e d w i th l a te p a ym e nt c ha r ge s i n t h e l a te s t g e ne r at e d s t at e me n t w i ll b e e x em pt e d f r om t h e c a sh p r oc e ss i ng f e e

I f y ou d on t w is h t o b e c al le d a bo ut o ur p ro du ct s a nd s er vi ce s, k in dl y l og o n t o o ur w eb si te : w ww. hd fc ba nk .c om a nd r eg is te r y ou rs el f i n o ur D on t C al l R eg i s t r a t i o n o p t i o n . C a r da c co u nt l ev i ed w i th l a te p ay m en t c h ar g es i n t h e l a te s t g e ne r at e d s t at e me n t w i ll b e e xe m pt e d f r om t h e c a sh p r oc e ss i ng f ee

I n t er e st F r ee P e ri o d

Min imu m Repa ymen t A mount

C a sh A d va n ce L i mi t

A nn ual / Renewal Fee

A dd itional Card Fee

C h ar g es o n R e vo l vi n g C r ed i t

Re trieval Fees (Chargeslip)

Fo re ign Currency Transaction s

Service Tax

U pt o 5 0 d ay s

5 %, M in im um R s. 2 00

R s .1 2 5 Pe r C h ar g es l i p

B an k C ha rg es C ro ss c ur re nc y m ar k- up o f 3 . 5%

A pplicable on all Fees, Interest an d o th er Cha rges

U pt o 5 0 d ay s

5 %, M in im um R s. 2 00

C a sh A d va n ce C h ar g es 2 . 5 % o f a m o u n t w i t h d r a w n o r R s.3 0 0 wh i ch e ve r i s h i g h e r

For V isa S ignature Chip / World M ast erCard 3. 05%pm (36. 6%A nnually)

from Transaction D ate. For Business Platinum

& Teachers Platinum / Platinum Plus Card 3.15%pm 3 7 .8%

O u t st a t i on C h e qu e P r o c es s i n g C h a rg e

R s . 12 5 P e r C h ar g es l i p

B an k C ha rg es C ro ss c ur re nc y m ar k -u p o f 3 .5 %

A pplicab le on all Fees, In te rest a nd other Charges

L a te P a ym e nt C h ar g es( Ba si c C re di t C ar d b il l a mo un t)

C h ar g es o n o v er l i mi t a c c ou n t

P a ym e nt r e t ur n C h ar g es

C a sh P r oc e ss i ng F e e

B alance Transfer P rocessin g Charges

P etrol Transaction Charge

R a il w ay Ti c k et P u rc h as e F e e

R e is s ue o f L o st , S t ol e n o r d a ma g ed C a rd

2 . 5 % o f o v e r l i m i t a m o u n t , s u b j e c t t o a m i n i m u m o f R s . 5 0 0

2 % o f P ay me nt a mo un t s ub je ct t o m in im um o f R s. 3 50

R s. 1 00 ( fo r a ll c ar d p ay me nt s m ad e b y

d ep os it i ng i n H DF C B an k b ra nc he s o r AT Ms )

2 .5 % ( su bj ec t t o a m in im um o f R s. 1 0)

R s. 3 0 + 2 .5 % o f t ra ns ac ti on a mo un t

Rs.100

2 . 5 % o f o v e r l i m i t a m o u n t , s u b j e c t t o a m i n i m u m o f R s . 5 0 0

2 % o f P ay me nt a mo un t s ub j ec t t o m in im um o f R s. 35 0

R s. 1 00 ( fo r a ll c ar d p ay me nt s m ad e b y

d ep os i ti n g i n H DF C B an k b ra nc he s o r AT Ms )

Rs.100

2 .5 % ( su bj ec t t o a m in im um o f R s. 1 0)

R s. 3 0 + 2 .5 % o f t ra ns ac ti on a mo un t

S tatement B a lance

Less than Rs. 100 NilRs. 100 - 500 Rs. 100Rs. 501 - 5,000 Rs. 400R s. 5 ,0 01 - 2 0, 00 0 R s . 5 00More than Rs. 20,000 Rs. 700

L a te P a ym e nt C h ar g es

Jan'13

Life time free Life time free

40% of the credit limit for S u p e r i a , D o c t o r ' s S u p e r i a , S o l i t a i r e , T i t a n i u m E d g e

S CH ED UL E O F C HA RG ESCHEDULE OF CHARGESDescription o f C harges Superia / Doctor' s S uperia / Solitaire / Titanium E dge

S p en d c o nd i t io n f o r w a iv e r o f a n nu a l c h ar g es

2 4 - H O U R S C U S T O M E R C A L L C E N T R E S

Ahmedabad 079-66004332Rest of Gujarat 97255 04332Lucknow 0522-4004332Bangalore 080-66224332Bhopal 0755-4004332Cochin 0484-4084332Rest of Kerala 99957 64332Chandigarh 0172-4694332

Rest of Punjab 9779154332Chennai 044-66004332Coimbatore 0422-4384332

D el h i & N C R 0 11 - 41 5 14 33 2Hyderbad 040-66624332Rest of Andhra Pradesh 99086 64332Indore 0731-4074332

Jaipur 0141-4004332Rest of Madhya Pradesh 97525 04332Kolkata 033-22104332Mumbai 022-28564332Pune 020-66034332Rest of Maharastra 95610 94332Raipur 0771-4084332

T oll F r ee No. for the below locations: 1800 425 4332

An n ua lly fr om Tra n sa c tio n Da te ( 1 .9 9%p m 2 3 .8 8 % An n ua llyon issuance against Fixed deposit)

2 % o f B T a mo un t o r Rs . 25 0 w hi ch ev er i s h ig he r. 2 % o f BT a mo un t o r Rs . 25 0 w hi ch ev er i s h ig he r.

C h e q u e v a l u e u pt o R s . 5 , 0 0 0 - F e e w il l b e R s . 2 5 ;C h e q u e v a l u e a bo v e R s . 5 , 0 0 0 - F e e w il l b e R s . 5 0

C h e q u e v a l u e u pt o R s . 5 , 0 0 0 - F e e w il l b e R s . 2 5 ;C h e q u e v a l ue a b o v e R s . 5 , 0 0 0 - F e e wi l l b e R s . 5 0

* Re ta il Sp e n d s ' e x clu d e s tr a n sa c tio n s p er ta in in g to Ca s h on Ca ll ( COC) , Ba la n c e Tr a n s fe r ( BT) , Ca sh With d r a wal a t ATM a n d a ll EMI c o n v e r ted tr a n s a c tio n o r EMI d e b its toth e a c c o u n t. Re ta il s p e n d s d o n e o n Ad d On c a r d /s , if a n y , will a ls o b e c o n s id e re d .

( Ef f ec ti ve f r om M ay 1 st 2 01 2) *

( Ef f ec ti ve f r om M ay 1 st 2 01 2) *

Rewards Redemption Fee Rs 75 per redemption request Rs 75 per redemption request

B usiness P lat inum Card - Rs. 299Teachers P lat inum Chip Card - Rs. 299

P lat inum P lus Card - Rs. 299V isa S ignat ure Chip Card - Rs. 399World M ast erCard - Rs. 399

40% of t he credit limit f or B usiness P lat inum40% of the credit limit for Teacher's Platinum,

Platinum Plus Chip, Visa Signature Chip, World MasterCard

T e a ch e r s P l a t i nu m / B u s i n e ss P l a t i nu m /

P l a ti n um P l us / V i s a S i gn a tu r e C h ip / W or l d M a st e rC a rd *

Su p eri a Ca rd

Do ctor's Su p e ri a

T i tan i u m Ed g e

- R s. 1 79 9

- R s. 1 79 9

- Rs . 5 99Solitaire - Rs. 599

Superia / D octor' s Superia - 3.05%pm (36.6% Annually)

from transaction dateSolitaire / Titanium Edge - 3.15%pm (37.8% Annually)

from transaction date(1.99%pm 23.88% Annually on issuance against Fixed deposit)

S u p e ri a / D o c t or ' s S u p e r i a

S pe nd R s. 1 5, 00 0 w it hi n f ir st 9 0 d ay s f ro m c ar d s et u p d at e a nd g et w ai ve r o f 1 st y ea r m em be rs hi p f ee .S pe nd R s. 5 0, 00 0 i n a y ea r a nd g et w ai ve r o f n ex t y ea r' s a nn ua l m em be rs hi p f ee .

Solitaire

S pe nd R s. 3 0, 00 0 w it hi n f ir st 9 0 d ay s f ro m c ar d s et u p d at e a nd g et w ai ve r o f 1 st y ea r m em be rs hi p f ee .S pe nd R s. 1 ,5 0, 00 0 i n a y ea r a nd g et w ai ve r o f n ex t y ea r' s a nn ua l m em be rs hi p f ee .

2 . 5 % o f a m o u n t w i t h d r a w n o r R s.3 0 0 wh i ch e ve r i s h i g h e r

P l a t in u m P l u s / T ea c h er s P l a t in u m / B u s i ne s s P l a t in u m

1 st y ea r f ee w ai ve r c on di ti on :R e ne wa l f e e ( 2 nd y e ar o n wa r ds ) w a iv e r c o nd i ti o n :

R s . 5 , 0 0 0 r e t a il s p en d s* i n 1 s t 3 m on t hs f r om t he c a rd s e tu p d a teRs. 3 0 ,0 0 0 r e ta il sp e n d s* in 1 2 m o n th s fr o m ca r d r e n e wa l d a te .

Vis a Signa ture Chip/ W orld Ma s te rCa rd

1 st y ea r f ee w ai ve r c on di ti on :R e ne w al f e e ( 2 nd y e ar o n wa r ds ) w a iv e r c o nd i ti o n :

R s . 1 0 ,0 0 0 r e ta i l s p en ds * i n 1 s t 3 m on t hs f r om t he c a rd s e tu p d a teRs. 5 0 ,0 0 0 r e ta il sp e n d s* in 1 2 m o n th s fr o m ca r d r e n e wa l d a te .

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