MOST IMPORTANT

TERMS & CONDITIONS

Version 1.92
The Most Important Terms and Conditions are to be read along with the Card Member Agree-
ment of HDFC Bank Ltd for complete understanding. The MITC are subject to change. Refer
www.hdfcbank.com for details
SCHEDULE OF CHARGES
Infinia, Infinia (Metal Edition), Diners Diners Club Rewardz, HDFC Bank
Black, Diners Privilege, Regalia, Times Card Credit Platinum,
Description of Business Regalia, Doctor's Regalia, MoneyBack, Business MoneyBack,
charges Diners Club Premium, Diners MoneyBack+, HDFC Bank Times
ClubMiles, AllMiles, Millennia, Card Credit Teacher's Platinum,
Doctors Superia, Superia, Regalia Business Platinum, Easy EMI
First, Business Reglia First, Bharat CreditCard, Small Business
CashBack, Best price Save Max, Moneyback, Business Program, Best
Flipkart Wholesale HDFC Bank Credit price Save Smart, 6E Rewards-
Card, IndianOil HDFC Bank Card, IndiGo Card, Paytm HDFC Bank
Freedom Card, Business Bharat Business Credit Card, Paytm HDFC
CashBack, Business Freedom Card, Bank Mobile Credit Card, Paytm
6E Rewards XL-IndiGo Card, Paytm HDFC Bank Credit Card, Equitas
HDFC Bank Select Business Credit Excite Credit Card, Equitas Elegance
Card, Paytm HDFC Bank Select Credit Card, Pine Labs HDFC Bank
Credit Card, Pine Labs HDFC Bank Credit Card, Retailio HDFC Bank
Pro Credit Card, Shoppers Stop Credit Card, Tata Neu Infinity HDFC
HDFC Bank Credit Card, Shoppers Bank Credit Card, Pharmeasy HDFC
Stop Black HDFC bank Credit Card, Bank Credit Card
Tata Neu Plus HDFC Bank Credit
Card

Interest free Period Up to 50 days Up to 50 days

Minimum 5% of Retail Balance / Cash Advance 5% of Retail Balance / Cash Advance

Repayment Amount Balance and finance charges and Balance and finance charges and
100% of Charges, Loan EMI billed 100% of Charges, Loan EMI billed
under cards, levies and taxes under cards, levies and taxes

Cash Advance Limit 40% of the Credit Limit 40% of the Credit Limit
Best Price Save Max/ Paytm HDFC Bank Pine Labs HDFC Bank
Select Business Credit Card / Paytm Credit Card — `499
Annual / Renewal HDFC Bank Select Credit Card/Pine Labs Best Price Save Smart/
Fee HDFC Bank Pro Credit Card — `1,000 Paytm HDFC Bank
Regalia / Business Business Credit Card — `500
Regalia / Doctor's Regalia — `2,500 Diners Club Rewardz — `1,000
Diners Club Premium / HDFC Bank Times Card
Diners Privilege — `2,500 Credit Platinum — `1,000
Millennia/ Regalia First/ Solitaire / Platinum Edge /
Business Regalia First/ MoneyBack / Business
Diners ClubMiles/AllMiles/ MoneyBack/ MoneyBack+
Doctors Superia / Superia — `1,000 /HDFC Bank Times Card
Infinia — `10,000 Credit /Easy EMI/ Teacher's
Infinia ( Metal Edition) — `12,500 Platinum/ Snapdeal HDFC
Diners Black — `10,000 Bank Card — `500
6E Rewards XL-IndiGo Business Platinum — `299
HDFC Bank — `1,500 Bharat CashBack / Freedom
Flipkart Wholesale Card /IndianOil HDFC Bank
HDFC Bank Credit Card — `499 Card / Business Bharat
Shoppers Stop Black HDFC CashBack / Business Freedom
Card / Business Program — `500
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 Bank Credit Card — `4,500 Small Business Moneyback — `250
Shoppers Stop 6E Rewards-IndiGo
HDFC Bank Credit Card— Life Time HDFC Bank — `500
free Paytm HDFC Bank Mobile
Tata Neu Plus HDFC Bank Credit Card (Monthly fee) — `29
Credit Card — `499 Paytm HDFC Bank Credit
Pharmeasy HDFC Bank Card (Monthly fee) — `49
Credit Card — `500 Equitas Excite Credit Card — ₹500
Equitas Elegance
Credit Card — ₹1000
Retailio HDFC Bank
Credit Card — `499
Tata Neu Infinity HDFC
Bank Credit Card — `1499

Spend condition for Superia Card

waiver of annual Spend `75,000 in first year and get a waiver on next year's annual membership fee
charges Excludes Freedom
transactions below Spend `60,000 in a year and get a waiver of next year's annual membership fee.
W.e.f 15 Feb'19, Spend `50,000 annually and get the next year's renewal fee
Cash on Call waiver.
Balance Transfer Paytm HDFC Bank Business Credit Card
Cash Withdrawal Spend Rs.30,000 within 90 days and get a waiver on 1st year membership fee.
Spend Rs.50,000 in a year and get waiver on annual fee.
Paytm HDFC Bank Select Business Credit Card
Spend Rs.60,000 within 90 days and get a waiver on 1st year membership fee.
Spend Rs.1,00,000 in a year and get waiver on annual fee.
Paytm HDFC Bank Mobile Credit Card
Spend Rs.2,500 in a month and get a waiver on monthly membership fee
Paytm HDFC Bank Credit Card
Spend Rs.5,000 in a month and get a waiver on monthly membership fee
Paytm HDFC Bank Select Credit Card
Spend Rs.50,000 within 90 days and get a waiver on 1st year membership fee.
Spend Rs.1,50,000 in a year and get waiver on annual fee.
Pine Labs HDFC Bank Credit Card
Spend Rs.45,000 within 90 days and get a waiver on 1st year membership fee.
Spend Rs.50,000 in a year and get waiver on renewal fee.
Pine Labs HDFC Bank Pro Credit Card
Spend Rs.75,000 within 90 days and get a waiver on 1st year membership fee.
Spend Rs.1,00,000 in a year and get waiver on renewal fee
Pharmeasy HDFC Bank Credit Card
Activate card within 90 days on transaction of Rs.150 and get a waiver on 1st year
membership fee
Spend Rs.70,000 in a year and get waiver on renewal fee
Bharat / Business Freedom / Business Bharat CashBack / Bharat CashBack /
IndianOil HDFC Bank Card
Spend `20,000 in a year and get a waiver of next year's annual membership fee.
W.e.f 15 Feb'19, On Bharat Cashback and IndianOil HDFC Bank Card, spend
`50,000 annually and get the next year's renewal fee waiver.
Small Business MoneyBack
Spend `25,000 and get a waiver of next year's annual membership fee
Solitaire / Titanium Edge / Platinum Edge / MoneyBack / Business
MoneyBack / MoneyBack+ / Easy EMI / Best Price Save Smart
Spend `50,000 in a year and get a waiver of next year's annual membership fee
Best Price Save max
Spend `75,000 in a year and get a waiver of next year's annual membership fee

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 Business Program
Joining Fee on Card of Rs. 500 waived off on spends of Rs. 20,000 within first 90
days.Renewal Fee on Card of Rs..500 waived off on spends of Rs. 1 lac in 12
months.
Millennia /AllMiles / Doctor’s Superia/ Diners Club Rewards / 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 / Diners
Privilege/ Flipkart Wholesale HDFC Bank Credit Card
Spend `3,00,000 in a year and get a waiver of next year's annual membership fee
HDFC Bank Times Card Credit
Spend `1,50,000 in a year and get a waiver of next year's annual membership fee
HDFC Bank Times Card Credit Platinum
Spend condition for Spend `2,50,000 in a year and get a waiver of next year's annual membership fee
waiver of annual Teacher's Platinum / Business Platinum
charges Excludes Spend `30,000 in a year and get a waiver of next year's annual membership fee.
transactions below W.e.f 15 Feb'19, On Teachers Platinum Spend Rs.50,000 annually and get the
next year's renewal fee waiver.
Cash on Call Infinia
Balance Transfer Spend `8 Lakh in a year and get a waiver of next year annual membership fee.
Infinia (Metal Edition)
Cash Withdrawal
Spend `10 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
Equitas Excite Credit Card
Spends ₹1 Lakh in a year and get a waiver of next year annual membership fee
Equitas Elegance Credit Card
Spends ₹2.5 Lakh in a year and get a waiver of next year annual membership fee
Retailio HDFC Bank Credit Card
Spend Rs.50,000 in a year and get a waiver on next year’s renewal fee.
Tata Neu Plus HDFC Bank Credit Card
Spend Rs.1,00,000 in a year and get a waiver on next year's renewal fee.
Tata Neu Infinity HDFC Bank Credit Card
Spend Rs.3,00,000 in a year and get a waiver on next year's renewal fee.
Add-on Card Fee Life time Free
Charges on Regalia/ Business Regalia/ Regalia First/ Business Regalia First/ Doctors
Regalia/ Diners Privilege/ Diners ClubMiles/Diners Rewardz/ Diners Premi-
Revolving Credit
um/ Millennia/ Millennia Easy EMI/ 6E Rewards-IndiGo/ 6E Rewards XL-In-
diGo/ MoneyBack/ MoneyBack+ / Indian Oil Card/ Freedom/ HDFC Bank
Times Card Credit/ HDFC Bank Times Card Credit Platinum/ Best Price
Save Smart/ Best Price Save Max/ Equitas Excite Credit Card/ Equitas
Elegance Credit Card Others – 3.6% per month i.e. 43.2% annually.
Paytm HDFC Bank Select Business Credit Card/ Paytm HDFC Bank Select
Credit Card/ Paytm HDFC Bank Business Credit Card/ Paytm HDFC Bank
Credit Card/ Pine Labs HDFC Bank Credit Card/ Pine Labs HDFC Bank Pro
Credit Card/ Retailio HDFC Bank Credit Card/ Pharmeasy HDFC Bank
Credit Card – 3.6% per month i.e. 43.2% annually
Paytm HDFC Bank Mobile Credit Card / Tata Neu Plus HDFC Bank Credit
Card - 3.75% per month i.e 45% annually
Diners Black / Infinia, Infinia (Metal Edition) - 1.99% per month i.e. 23.88%
annually
Card issued against Fixed Deposit - 1.99% per month (23.88% annually)
applicable from transaction date (Effective 1st Oct'22, Cards issued against
Fixed Deposit will carry the same revolving rate as per the card variant)

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 Business Program / Flipkart Wholesale HDFC Bank Credit Card the maxi-
mum interest rate is 3.6% per month i.e. 43.2% annually
Shoppers Stop Black HDFC Bank Credit Card and Shoppers Stop HDFC
Bank Credit Card - 3.6% per month i.e. 43.2% annually
Tata Neu Infinity HDFC Bank Credit Card - 3.49% per month i.e 41.88%
annually
Applicable on all transactions (Excluding Fuel, Gold and Jewelry) of
Conversion charges Rs 10,000/- or more done on Easy EMI Credit Card.
Auto EMI - EMI conversion will be done for a tenure of 9 months, at an ROI of 20% per
annum, and processing fee of Rs 99
Grace days of 3 days is allowed from the payment due date on credit card
Grace days accounts, where payments are not overdue.
The payment due date as mentioned on the credit card statement is the date
by which clear funds must be credited to the credit card, however 3 grace
days are provided to accommodate for processing time of payments.
The Bank shall report a credit card account as 'past due' to credit informa-
tion companies (CICs) and levy late payment charge, when a credit card
account remains 'past due' for more than three days. The number of 'days
past due' and late payment charges shall, however, be computed from the
payment due date mentioned in the credit card statement.
Cash Advance
Charges 2.5% of amount withdrawn 2.5% of amount withdrawn
(excluding Infinia, or `500 whichever is higher or `500 whichever is higher
Infinia (Metal Edition))
Statement Balance Late Payment Charges
Late Payment Less than `100 Nil
Charges `100 to `500 `100/-
(Basic Credit Card `501 to `5,000 `500/-
bill amount) `5,001 to `10,000 `600/-
(excluding Infinia `10,001 to `25,000 `800/-
(Metal Edition) `25,001 to `50,000 `1100/-
More than `50,000 `1300/-
Charges on overlimit
account 2.5% of overlimit amount, 2.5% of overlimit amount,
(excluding Infinia, subject to a minimum of `550 subject to a minimum of `550
Infinia (Metal Edition)
Payment Return 2% of Payment amount subject 2% of Payment amount subject
Charges to minimum of `450 to minimum of `450
Cash Processing `100 (for all card payments made by `100 (for all card payments made by
Fee depositing in HDFC Bank branches depositing in HDFC Bank branches
or ATMs) or ATMs)
`99 Per redemption request - Applicable for all cards other than Infinia/
Infinia (Metal Edition)/Diners Black / Flipkart Wholesale HDFC Bank Credit
Rewards Card
Redemption Fee Rewards Redemption Fee will not be charged on redemption of reward
points towards cashback.
For IndiGo HDFC Bank Cards, Please visit www.goIndiGo.in
For Tata Neu HDFC Bank Credit Cards, please visit www.tatadigital.com
Balance Transfer 1% of BT amount or `250, 1% of BT amount or `250,
Processing Charges whichever is higher whichever is higher
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Loan Processing Loan Type Processing Fee
Fee and PreClosure lnsta Loan - *`999 (exclusive of GST)
Charges Jumbo Loan - *`999 (exclusive of GST)
Smart EMI - *`999 (exclusive of GST)
Balance Transfer on EMI - *1% of Loan Amount, Minimum `250
(exclusive of GST)
* Loan PreClosure Charges: 3% of the Balance Principal Outstanding
Infinia /Infinia (Metal Edition)/ Diners Club Black — Waived for trans-
Fuel Surcharge Waiver capped at `1000 every billing action between
Fuel Transaction cycle (GST applicable). Regalia, Diners Rewardz, a) `400 to `5000
Surcharge Diners Club Miles, Diners Privilege, Diners Club Premi- for Regalia / Busi-
um, Regalia First, Business Regalia First, ALLMILES,
Business Regalia, Doctor's Regalia, HDFC Bank Times ness Regalia /
Card Credit Platinum, 6E Rewards XL IndiGo Card, Doctor's Regalia /
Paytm HDFC Bank Select Credit Card, Shoppers Stop Regalia First /
Black HDFC bank Credit Card, Tata Neu Infinity HDFC Business Regalia
Bank Credit Card — Fuel Surcharge Waiver capped First `400 to
at ` 500 every billing cycle (GST applicable). GST `5000 for all other
charged on fuel surcharge is non-refundable. Flipkart
Wholesale HDFC Bank Credit Card, Best Price Save cards. Reward
Smart, Best Price Save Max, Shoppers Stop HDFC Points/ 6E rewards
bank Credit Card, and all other cards - fuel surcharge / Tata NeuCoins
waiver capped at Rs.250 per billing cycle. M i l l e n n i a , will not be accrued
M o n e y B a c k , Freedom, MoneyBack+, HDFC Bank on fuel transac-
Times Card Credit, Equitas Excite Credit Card, Equitas tions. GST
Elegance Credit Card, Paytm HDFC Bank Select Busi-
ness Credit Card, Paytm HDFC Bank Business Credit charged on fuel
Card, Paytm HDFC Bank Mobile Credit Card, Paytm surcharge is
HDFC Bank Credit Card, Pine Labs HDFC Bank Credit non-refundable
Cards, Pine Labs HDFC Bank Pro Credit Card, Retailio
HDFC Bank Credit Card, Tata Neu Plus HDFC Bank
Credit Card, Pharmeasy HDFC Bank Credit Card —
Fuel Surcharge Waiver capped at `250 every billing
cycle (GST applicable). Reward Points / 6E rewards /
Tata NeuCoins will not be accrued on fuel transac-
tions.Fuel Surcharge Waiver will be capped at 1% of
the eligible fuel transaction amounts. GST on Fu-
elsurcharge 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 mer-
chant. The value on chargeslip 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 transac-
tions would reflect separately in the monthly credit card
statement.
Duplicate physical
statement charges
(excluding Infinia, `10 per duplicate physical statement
Infinia (Metal Edition)
Diners Black)
Railway Ticket 1% of the transaction amount + GST
Purchase Fee (Refer IRCTC website for detailed fee structure)
With effect from 1st January 2023, 1% fee on transaction amount will be
Rent Pay
levied on rental transactions done on any applicable merchant from the
Transactions
second transaction for the month.
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Card Validation `2 will be charged on the Credit Card and the same shall not be reversed by
charges - Lounge the bank (All variants except MasterCard)
(Applicable only `25 will be charged and made void at the POS terminal (Applicable for
for Diners Cards) MasterCard variant), which means that the transaction is cancelled by the
merchant before it settles through your credit card account and hence it will
not appear on your credit card statement.
All lounge visits within India using Priority Pass will be charged at $27 (in
Priority Pass Lounge INR equivalent) + Taxes per person per visit.
Charges (Regalia / All lounge visits outside India beyond the complimentary cap will be
Doctor's Regalia / charged at $27 (in INR equivalent) - Taxes per person per visit. Please refer
Regalia First / the product features of the card for details on bank website.
Tata Neu Infinity) All guest/s (person accompanying the priority pass holder) will be charged
at $27 (in INR equivalent) + Taxes per person per visit.
Reissue of Lost,
Stolen or `100 `100
Damaged Card
Outstation Cheque Cheque value upto `5,000 - Fee Cheque value upto `5,000 - Fee
Processing Charge will be `25 will be `25
Cheque value above `5,000 - Fee Cheque value above `5,000 - Fee
will be `50 will be `50
Bank charges Cross Currency Bank Charges Cross currency mark-up
mark-up fees of 3.5% on the transac- fees of 3.5% on the transaction value
Foreign Currency tion value (2% on the transaction (3.0% on the transaction value for Diners
Club Rewardz, Diners ClubMiles) Best
Transactions value for Regalia /Business Regalia / Price Save Smart charges cross curren-
Doctor's Regalia /Diners Privilege / cy mark-up of 3.5% on the transaction
Diners Club Premium/ Regalia First / value Bank Charges Cross currency
Business Regalia First / Infinia / mark-up of 3.5% on the transaction value
Infinia (Metal Edition) Diners Black / - Flipkart Wholesale HDFC Bank Credit
Best Price Save Smart / Times Card Card, Paytm HDFC Bank Select Busi-
ness Credit Card, Paytm HDFC Bank
Credit Platinum / HDFC Bank Times Business Credit Card, Paytm HDFC
Card Credit / Tata Neu Infinity HDFC Bank Mobile Credit Card, Paytm HDFC
Bank redit Card.) 2.5% on the trans- Bank Credit Card, Paytm HDFC Bank
action value for 6E Rewards XL-In- Select Credit Card, Pine Labs HDFC
di-Go HDFC Bank Card Bank Credit Card, Pine Labs HDFC Bank
Currency conversion rate is applica- Pro Credit Card, Retailio HDFC Bank
Credit Card, Shoppers Stop Black
ble as on the date of settlement HDFC Bank Credit Card, Shoppers
Stop HDFC Bank Credit Card, Tata
Neu Plus HDFC Bank Credit Card,
Pharmeasy HDFC Bank Credit Card
Currency conversion rate is applica-
ble as on the date of settlement
Dynamic currency With effect from 1st January 2023, a Markup fee of 1% will be levied on all
conversion Markup transactions carried out in Indian Currency at an international location or at
Fee merchants which are located in India but registered overseas.
Applicable on all Fees, Interest and other Charges. •The applicable GST
would be dependent on place of provision (POP) and place of supply
Goods and (POS),If POP and POS is in the same state then applicable GST would be
Services Tax (GST) 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.
TDS on withdrawals TDS@2% is applicable on aggregate cash withdrawals exceeding Rs 1 Cr
above Rs 1 crore from accounts and cards , in a FY.Visit www.hdfcbank.com for details.
In line with RBI mandate, basis the nature and purpose of the transactions carried out on your credit
card, customers are advised not to make any payments to the credit card through FCRA accounts.
Incase, if any payments are observed through these accounts, customer may receive a notice from
the Ministry of Home Affairs seeking explanation for such payments.
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1. Fees, Charges and Retail Balance the customer. Processing Fee of Rs 99/-
A. Fees payable on the Credit Card by the (Exclusive of GST for all loan amounts) is
Cardmember applicable for all Easy EMI loan conversion.
• Annual Fees • Renewal Fees Fuel, gold and jewelry transactions are
The fees may vary for each Cardmember, excluding from auto conversion.
and from offer to offer. The same is
communicated to the Cardmember at the iv) The Bank, in its sole discretion, reserves the
time of applying for the Credit Card. The right to honour transactions above the
above fees as applicable are billed to the approved credit limit on the card on a
card account and are stated in the card case-to-case basis subject to internal
statement of the month in which it is guidelines and policy of the Bank.
charged.
D. Interest Free Period
B. Cash Advance Fees
The interest free credit period could range
The Cardmember can use the Card to
from 20 to 50 days subject to the scheme
access cash in an emergency from ATMs in
applicable on the specific Credit Card
India or abroad. A transaction fee of 2.5%
(please refer to the Schedule of Charges)
(Minimum 2500) (excluding Infinia) would be
and the submission of on the specific Credit
levied on the amount withdrawn and would
Card (please refer to the Schedule of
be billed to the Cardmember in the next
Charges) and the submission of claims by
statement. The transaction fee is subject to
the merchant. However, this is not applicable
change at the discretion of HDFC Bank. All
if the Previous month's balance has not been
cash advances also carry a finance charge
cleared in full or if the Cardmember has
equal to charges on revolving credit (please
availed of cash from ATM. For instance, the
refer schedule of charges) from the date of
HDFC Bank International Platinum Plus
withdrawal until the date of full payment. The
Card has an interest-free credit period of up
finance charge is subject to change at the
to 50 days. This means that a customer who
discretion of HDFC Bank.
has a billing date of 4th of the month can
C. Charges spend on his Card from 5th April to 4th
i) Charges and fees, as may be applicable May, his bill will be generated on 4th May
from time to time, are payable by and his Payment Due Date will be 24th May.
Cardmembers for specific services provided Hence a purchase made on 14th April will
by HDFC Bank to the Cardmember or for have a credit period of 41 days, while a
defaults committed by the Cardmember with purchase made on 2nd May will have a
reference to his card account. credit period of 23 days. This period will be
ii) HDFC Bank retains the right to alter any free of interest only if all previous dues are
charges or fees from time to time or to paid in full and there is no unpaid balance
introduce any new charges or fees, as it may carried over from previous months
deem appropriate, with due intimation to E. Insta card related charges
customer. For your security, a daily ecommerce (net)
For interest rates, pre-closure and limit is placed on the card until the card is
cancellation charges on Loan on Credit delivered to you in person. Furthermore any
Cards, Please Visit : wallet loading transaction done through the
https://www.hdfcbank.com/personalproduct credit card would incur charges of 2.5% of
s/loans/loan-on-credit-card load value.
iii) All transactions equal to and above the value F. Retail Balance
of Rs 10,000 on the Easy EMI Credit Card Retail Balance means all purchases of
will be automatically converted to Easy EMI goods or services through store or online
with 9 months tenure by default at 20% Rate from the Credit Card, excluding all Cash
of Interest, without any further consent from Advances, Balance Transfers, Instalment

7
 Payment Plans, other credit plans, fees and billing statement, the entire outstanding
charges. amount would attract finance charges and all
2. Limits new transactions will also attract finance
HDFC Bank at its sole discretion will charges till such time as the previous
determine the Cardmember's credit limit and outstanding amounts are repaid in full.
cash withdrawal limit. (Add-on • Late Payment Charges excluding Infinia,
Cardmembers share the same limit). These Infinia (Metal Edition) will be applicable if
limits are communicated to the Cardmember Minimum Amount Due is not Paid by the
at the time of card delivery and in the payment due date, Clear funds need to be
monthly statements. The available credit credited to HDFC Bank Card account on or
limit at the time of the statement generation before the payment due date, to avoid Late
is provided as a part of the monthly Payment charges .Late Payment charges
statement. HDFC Bank will review the are applicable as:
Cardmember account periodically, may Outstanding Late Payment
decrease the Cardmember credit limit based Balance Charges
on internal criteria. In such an instance the Less than `100 - Nil
Bank will inform immediately including the
`100 to `500 - `100/-
reason thereof, by SMS or e-mail followed
`501 to `5000 - `500/-
by confirmation in writing. Cardmembers
`5,001 to `10,000 - `600/-
seeking to have their credit limit increased
can do so by writing to the Bank and `10,001 to `25,000 - `800/-
providing financial documents declaring their `25,001 to `50,000 - `1100/-
income. The Bank, at its sole discretion and More Than `50,000 - `1300/-
based on such new documents provided,
may increase the credit limit of the • Over Limit charges excluding Infinia, Infinia
Cardmember. (Metal Edition) limit applicable on total
3. Finance Charges and Late Payment outstanding exceeding the Creditlimit at the
Charges rate of 2.5% of the over are amount subject
to minimum of `550 basis consent. In case
• Finance charges are payable at the monthly the Cardholder proposes to avail any limit
percentage rate on all transactions from the over and above the sanctioned Credit Limit,
date of transaction in the event of the the Cardholder shall, in the form and manner
Cardmember choosing not to pay his as may be stipulated by the Bank, consent
balance in full, and on all cash advances for such additional limit (Over Limit) as may
taken by the Cardmember, till they are paid be approved by the Bank in its sole discre-
back. Finance charges, if payable, are tion. Upon grant of such consent by the
debited to the Cardmember's account till the Cardholder, the sanctioned Credit Limit of
outstanding on the card is paid in full. the Cardholder shall stand increased by the
• Finance charges on cash advances are amount equivalent to the Over Limit.
applicable from the date of transaction until The following illustration will indicate the
the payment is made in full. method of calculating various charges
• When the customer carries forward any Assume that you have paid all previous dues in
outstanding amount or avails of Cash full and do not have any amount outstanding in
Advance, a finance charge calculated by your Card Account. Your statement date is 18th
average Daily Balance Method, will apply to of every month. The following is the list of trans-
balances carried forward and to fresh actions youhave done on your card account.
billings.
Date Transaction Amount
• If a Cardholder avails of the revolving credit Purchase of
facility of the HDFC Bank Credit Card and 10-Apr household goods `15,000
hence chooses to pay an amount less than
15-Apr Purchase of
garments ` 5,000
the total amount due reflected in the monthly

8
 Total Amount For a list of charges that may be levied at specific
due = `20,000 instances, please refer to the Schedule of
18-Apr Statement Date Charges available at the end of this document.
Minimum Amount
Due = `1,000 Minimum Amount Due (MAD) -- 5% of Retail
12- Payment into Balance / Cash Advance Balance and finance
May card account charges and 100 % of charges, Loan EMI billed
(Late payment `2,000 (Credit)
charges will be under cards, levies and Taxes and rounded to the
applicable here) next higher 10th digit.
14- Purchase of Example: If the MAD amount is Rs. 1503.50
May Groceries `1,000
(Rupees one thousand five hundred and three
15- Payment into and paise fifty only), post computation it will be
May card account `15,000
rounded off to next multiple of tenth digit i,e Rs.
1510.00 (Rupees one thousand five hundred and
ten only).
Thus, on the statement dated 18th May, following
will reflect as the component of the total amount 1st Oct'22 ONWARDS
payable by you EXAMPLE (fig. in INR)
Interest calculated = (outstanding amount* A Retail / Cash 50,000
3.6% per month (i.e 43.2% per annum)*no of Outstanding Balance
days)/365. Therefore, B Finance Charges 1,800
a. Interest on `15,000 @ 3.6% per month (i.e C Over Limit Charges 550
43.2% per annum) from 19 April to 11 May
D Late Payment Fee 1100
(i.e for 23 days) = `408.33
E Payment Return Fee 500
Interest on `13,000 @ 3.6% per month (i.e
43.2% per annum) from 12 May to 14 May F Easy EMI - Principal 500
(i.e for 3 days) = `46.16 G Easy EMI - Interest 1,500
Interest on `5,000 @ 3.6% per month (i.e TOTAL AMOUNT DUE 55,950
43.2% per annum) from 19 April to 14 May
(i.e for 26 days) = `153.86 Minimum Amount Due Calculation
Interest on `3,000 @ 3.6% per month (i.e H Retail / Cash
Outstanding Balance + 2,590 5%
43.2% per annum) from 15 May to 18 May Finance Charges* (5% of
(i.e for 4 days) = `14.20 (Rs.50000/- + Rs.1800/-)
Interest on `1,000 (fresh spends) @ 3.6% I Over Limit Charges 550 100%
per month (i.e 43.2% per annum) from 15
J Late Payment Fee 1,100 100%
May to 18 May (i.e for 5 days) = `5.92
K Payment Return Fee 500 100%
Total interest = `628.47
L Easy EMI - Principal 500 100%
b) Late Payment Charges = `800 (excluding
Infinia) M Easy EMI - Interest 1,500 100%
Minimum Amount Due 6740
c) GST@ 18% of interest and late payment
charges = `257.12
* For the purpose of MAD calculation 5% of
d) Total principal outstanding amount = `4,000 Finance Charges (3.6% per month i.e. 43.20%
(`1,000 fresh spends + balance `3,000 p.a.) is being considered.
outstanding from last month's billing period)
The below illustration is prepared on the
Hence Total Amount Due = (a) + (b) +(c) + (d) = assumption that the customer has not made the
`5685.60 payment on time nor cleared the Total Amount
Please note that the Finance Charges and other Due (TAD)
charges are subject to change at the discretion of Reduced Interest Rate / Finance charges on
HDFC Bank. Freedom Credit Cards :

9
•For Freedom credit Cards, Interest Rate / Such payment should be made before the
Finance Charges of 0.99% will be applicable for Payment Due Date. Clear funds need to be
first 90 days from card issuance date on credited to HDFC Bank Card account on or
retail/non-EMI spends only ( i.e. not applicable before payment due date to avoid Late Pay-
on Insta loan, Insta Jumbo Loan, SmartEMI, ment Charges. Cardmembers are advised
EasyEMI, Balance transfer or Cash transactions to drop local cheques well in advance of the
). From 91st day onwards regular interest rate of Payment due date to ensure payment
3.6% will be applicable. Taxes, as applicable, reflects on the card account within the Pay-
shall apply. ment due date. Any unpaid Minimum
•The benefit is applicable only to customers to Amount Due of the previous statements will
whom the card has been issued on or after be added to the Cardmember's current Mini-
October 01, 2021 mum Amount Due in addition to the
outstanding exceeding the Cardmember's
•For more details, refer welcome kit or FAQs and
Credit Limit.
Terms & Conditions section mentioned on
HDFC Bank website https://www.hdfcbank.com/ c) Payments made towards the card
The following illustration will indicate the method outstanding are acknowledged in
of calculating LPC: subsequent statements.
d) Payments received against the
LPC Illustration Cardmember's card outstanding will be
A Statement Date 1st May 22
adjusted against all Pre-closure of loans
B Statement Due 25,000.00
(Loan Principle outstanding / Pre-closure
C MAD 1,250.00
Charges+GST), GST, Fees & Charges
D Billing Due Date 20th May 22
(Other than Finance Charges), Finance
E Grace Date 23rd May 22
Charges, EMI, Cash Advances and Retail
F Unbilled usage - 1st May to
5,000.00 Purchases in that order.
23rd May 22
G Total Outstanding as of e) Payments towards the card account may be
30,000.00 made in any of the following ways:
23rd May 22(A+E)
H Payment Received - MAD - 25th May 22 I) In case the Cardmember has an HDFC
Rs.1250.00 Bank account, he can make the Pay-
I LPC Levied only on ment through NetBanking & ATMs.
800.00
Statement Balance II) In case the Cardmember has an HDFC
Bank account, he can opt for a
4. Billing, Statement and PINs Standing Instruction facility, where
funds can be automatically transferred
a) HDFC Bank will send the Cardmember a
from the Cardmember's HDFC Bank
monthly statement showing the payments
account to the Cardmember's card
credited and the transactions debited to the
account on due date. The Automatic
Cardmember's account since the last state-
debit will be processed on • the
ment. The Bank will mail a statement of
registered account nominated by the
transactions in the card account every
Cardmember from the Payment Due
month on a pre-determined date, to the mail-
Date and will be credited to the Card
ing address on record with the bank.
Account. In the event of non-realization
b) HDFC Bank Credit Cards offer the Card- of payment in the first attempt, repeat
member the facility of revolving credit. The attempts will be made until realization
Cardmember may choose to pay only the of payment.
Minimum Amount Due printed on the state-
In the event of non-realization of the
ment. The balance outstanding can be
complete standing instruction (SI)
carried forward to subsequent statements.
amount which is set by the
The Cardmember can also choose to pay
Cardmember, SI return charges shall
the Total Amount Due or any part of the
be levied to the Cardmember on the
amount above the Minimum Amount Due.
10
 net payable amount post payment xxxx xxxx xxxx xxxx. Kindly ensure that
attempts. The cardholder the cheque/draft is deposited at least 3
acknowledges and agrees that working days before due date in case
recovery of Minimum Amount Due of HDFC Bank cheque and 5 working
(MAD) post failure to recover Total days before due date for Non-HDFC
Amount Due (TAD) shall lead to levy of Bank cheque.
the autopay return charges on the net VI) Through Cash Payments at the bank
payable amount remaining due and branches.
outstanding on the payment due date.
f) Billing Disputes: All the Contents of
Examples: the statement will be deemed to be correct
Scenario 1: Cardmember opts for SI and accepted if the Cardmember does not
facility on Total Amount Due (TAD) and inform HDFC Bank of the discrepancies
the SI amount is Rs.10000 and system within 30 days of the Statement Date in
recovers only Rs.500 (Minimum writing. On receipt of such information,
Amount Due) due to insufficient funds HDFC Bank may reverse the charge on
in the nominated account, payment temporary basis pending investigation. If on
return fee will be levied on the net completion of subsequent investigations,
payable amount i.e Rs.10,000 – the liability of such charges is to the
Rs.500 = Rs.9,500. Similarly, if the Cardmembers account, the charge will be
system is able to recover only partial reinstated in a subsequent statement along
amount for example, Rs.200 which is with the associated retrieval requests
less than Minimum Amount Due (MAD charges. Upon receipt of dispute from
) payment return fee will be levied on customers, within a maximum period of
the net payable amount i.e Rs.10,000 – Thirty days, Bank would provide necessary
Rs.200 = Rs.9,800 documents, wherever applicable and
Scenario 2 : Cardmember opts for SI received from the Member Bank, subject to
facility on Total Amount Due (TAD) and operating guidelines laid down by the
the SI amount is Rs.10000. If partial respective franchisee like Visa/Master Card/
payment is received for example, Diners Club etc. GST levied will not be
Rs.200 prior to the payment due date reversed on any dispute on Fee & Charges /
and subsequently standing instruction interest.
facility fails, payment return fee will be g) Contact Particulars: The Cardmember can
levied on the net payable amount i.e contact HDFC Bank Credit Cards for making
Rs.10,000 – Rs.200 = Rs.9,800 any enquiries or for any grievance redressal
III) Customer can also make payment through:
through NEFT/RTGS fund transfer • Please visit www.hdfcbank.com to know our
mode from other bank account (use 24 hours call center number
IFSC code HDFC0000128) or use the • For Infinia/Infinia (Metal Edition)/Diners
VISA Money transfer facility / IMPS. Black customers pls visit
IV) In case the Cardmember does not https://www.hdfcbank.com/Infinia for 24
have an HDFC Bank account, he can hours dedicated customer care number
make the Payment through Bill Desk • Through mail - Manager, HDFC Bank Cards
facility using other banks NetBanking P.O. Box 8654, Thirvanmiyur, Chennai - 600
account. 041
V) By dropping the payment instrument • By Email: customerservices.cards
(Cheque or draft) into any of the HDFC @hdfcbank.com
Bank Credit Card drop boxes placed in
h) Customers can earn cashback through a)
the HDFC Bank branches and ATMs..
cashback offers and b) redemption of
The Cheque Draft should be made
reward points towards cashback.
payable to HDFC Bank Card Number

11
 Cashback credits will not be considered as within the prescribed time.
payment for the last statement. Customers B) During settlement of redemption in case
need to effect payment towards the previous available Reward Points balance is lesser
statement outstanding. than Points required for the transaction, the
Cashback amount credited to the card bank reserves rights to debit the differential
account will be adjusted towards the next amount on the Customers Card/Account.
statement balance. 7. Termination/Revocation of the Card
I) Bank shall exercise due care on its part in Membership
due course of issuance of card PINs / Codes
I/ We understand that the usage of the
& and the Bank ensures to share any confi-
HDFC Bank International Credit Card(s)
dential data of the customer/ cardholder
shall be strictly in accordance with
only with the said customer/ Cardholder.
exchange control regulations, law of the
5. Default land or of the Regulatory authorities as
In the event of default, the Cardmember will applicable from time to time, the card will not
be sent reminders from time to time for be used for transactions involving Forex
settlement of any outstanding on the card trading, lottery, betting, gambling, dating
account, by post, fax, telephone, e-mail, which I/We undertake as my/our
SMS messaging and/ or engaging third responsibilities to keep myself/ourself
parties to remind, follow up and collect dues. updated of and in the event of any failure to
Any third party so appointed, shall adhere do so , I/We will be liable for action under the
fully to the code of conduct on debt collec- Foreign exchange management act 1999 or
tion. its statutory modifications or
In case the cardholder fails to make pay- re-enhancement thereof.
ment of either the Minimum Amount Due or A) The Cardmember may terminate the card
the total amount due, under each monthly membership at any time by writing to HDFC
billing statement, the bank shall notify the Bank at the following address: Manager
customer of such non-payment and its HDFC Bank Credit Cards, P.O. Box 8654,
intention to report the cardholder as default- Thirvanmiyur HO, Chennai- 600 041. Along
er to the Credit Information Companies with the cards cut diagonally to pieces, all
(CIC) in case the cardholder fails to pay the the cards including the add-on cards will be
Minimum Amount Due or the total amount terminated basis the written request.
due within 7 (seven) days. In case the card- Termination will be effective only after
holder makes the payment of either the Min- receipt of the cut cards and payment of all
imum Amount Due or the total amount due amounts outstanding to the card account.
after the expiry of 7 (seven) days’ notice No annual, joining or renewal fees shall be
period, the Bank shall update the status refunded on a pro-rata basis.
within 30 (thirty) days from the date of settle-
B) In case the Bank notices unusual and
ment of dues. In case a transaction is
abnormal transaction patterns in the use of
disputed by customer, a temporary credit
the Card, the Bank will try to establish
equivalent to the amount disputed by cus-
contact with the customer on the registered
tomer will be provided to the Credit Card
phone number of the customer available on
account of the customer.
its records to verify the bonafideness of the
6. Right of Lien card transaction. Failure on the part of the
A) The bank, at any time and without notice, Bank to establish contact with the customer,
will have lien and right to set-off on all the Bank may restrict/terminate the use of
monies belonging to the Cardmember the Card without any further notice, if the
and/or add on Cardmember standing to their Bank reasonably believes it necessary in
credit in any account/custody of the bank, if the interest of the Cardholder and for
upon demand by the bank, the balance security reasons.
amount on the card account is not repaid HDFC Bank can suspend the facility on the

12
 Credit Card, if the Cardmember defaults on suspended on instructions from any
payment due or exceeds the credit limit government regulatory body. All amounts
extended. The Credit Card must not be used outstanding on the Card Account shall be
after the Agreement has ended or if the card deemed to have immediately become due
account is suspended. on death or incapacitance, insolvency,
With a view to ensure that the Credit Card is bankruptcy, winding up or instruction from
being used as per the regulatory guidelines, government/regulatory bodies, as the case
Terms and Conditions and applicable may be, and Bank shall be entitled to
policies of the Bank, Bank shall have a right recover the same in accordance with the
to run periodic checks on the Credit Card relevant laws in force without prejudice to
usage to identify whether there is excessive the obligation of the Cardmember to forth
utilization of credit limit beyond the with pay all outstanding amounts.
sanctioned limit in one statement cycle, E) In case any customer wishes to close
unusual or excessive utilization at few select /surrender the card – the customer may
merchants, possible collusion with merchant place the request through below channels.
and/or usage towards non-personal/
business related requirements, over-use/ Channels Path / Contact details
misuse of features/ offers/ programs www.hdfcbank.com > Log in >
Net Credit Cards > Select the Card
towards accumulation of undue reward Banking from Your Credit Cards > Block
points/ cash back / other benefits amongst Mobile banking home page > Pay
Mobile
others. Based on the usage patterns, if any > CreditCards > Select the Card
Banking
of these is suspected by the Bank, Bank from Your Credit Cards > Block
may take restrictive action on the Credit MyCards - https://mycards.hdfcbank.com > enter
Card. Such action can be with immediate PWA registered mobile#> Card control >
effect and may include but not be limited to Services > Security > Hotlist
withdrawal of features/ benefits as well as WhatsApp 70700 22222 > Type Hotlist Card >
complete termination of the Credit Card. If Banking Option will be displayed for hotlisting
any such action is taken by the Bank onus
will be on customer to provide satisfactory Phone 1800 202 6161 / 1860 267 6161
Banking (accessible across India)
proof of bona fide usage to reinstate the / IVR
Credit Card and attached features/ benefits
as may be deemed fit by the Bank. Bank's EVA Visit www.hdfcbank.com > Click on
decision in this regard shall be final and EVA icon > Credit Card Service >
binding on the customers Block Card
C) In such a situation, the Cardmember must Once the request is raised through above
(subject to any default or other notice channels, no transaction can be made
required by law) immediately pay HDFC through the card from immediate effect as
Bank the total outstanding balance on the the same will be blocked.
Account. This includes all amounts due to
Any transactions incurred by the
HDFC Bank under the Agreement, including
Cardmember prior to the closure of card and
all transactions and other amounts not yet
which is presented / claimed at a later point
charged to the Account. The card will not be
by the merchant shall be billed to the
considered as closed until the Cardmember Cardmember for effecting necessary
has paid all such due amounts. payments towards such transactions. The
D) The death or in capacitance of a Cardmember shall be is obligated to pay for
Cardmember insolvency / dissolution / any transactions which were incurred prior
bankruptcy or winding up of a corporate to the closure date of the card and the Bank
body of a Cardmember shall automatically shall report these outstanding payments of
cancel the card issued to the Cardmember the Cardmember to CICs, if not paid by the
as well as any Add-on Cardmembers. The Cardmember.
Card Account would also be liable to be If a credit card has not been activated or
13
 used within 30 (thirty) days of card open permission. Once a card is reported lost, it
date., the Bank shall intimate the cardholder should not, under any circumstance be used
about non-usage or non-activation of the if found by the Cardmember subsequently.
card and request the cardholder to activate As the Add-On card is an extended facility
or start using the card within 7 (seven) days given on the Primary Card Account, the
from the date of such intimation. If the Add-on card is rendered invalid when the
cardholder does not start using the card primary card is reported lost. Similarly, if the
within a period of 7 (seven) days, the card Add-on card is reported lost, the primary
account shall be closed by the Bank. Card Account and other Add-on cards are
Please note that if a credit card has not been invalidated.
used for a continuous period of 1 (one) year, B) The Bank is not liable or responsible for any
the Bank will intimate the cardholder about type of transaction (Online/Physical/Con-
non-usage of the card and request the tactless (Tap and Pay or Wifi)/Others) trans-
cardholder to start using the card within 30 action incurred on the card account prior to
(thirty) days from the date of such intimation. time of reporting of the loss of the card, and
If either no reply is received from the the Cardmember will be wholly liable for the
cardholder or the cardholder does not start same. Card swipe transactions may get
using the card within a period of 30 (thirty) processed by merchants without PIN / addi-
days, the card account shall be closed by tional authentication like OTP, when it is initi-
the Bank, subject to payment of all dues by ated on merchants located outside India as
the cardholder. it may not be a mandate in those countries.
8. Loss / theft / misuse of Card Cardmember is wholly liable for all transac-
tions prior to reporting of loss of the card.
In case of loss / theft / misuse of the card,
After the receipt of proper notification of the
customer can immediately hotlist / block the
loss by the bank, the Cardmember's subse-
card by raising a request through below
quent liability is zero. In addition to notifying
channels
HDFC Bank about the loss or theft of the
Channels Path / Contact details card, the Cardmember must report any theft
www.hdfcbank.com > Log in > of cards to the Police and lodge a Police
Net Credit Cards > Select the Card
Banking from Your Credit Cards > Block Complaint and provide a copy of Police
Mobile banking home page > Pay complaint to the Bank.
Mobile
Banking > CreditCards > Select the Card C) The Cardmember will be liable for all losses
from Your Credit Cards > Block in case of misuse of the card by someone
MyCards - www.mycards.hdfcbank.com > enter who obtained the PIN or the card or OTP
PWA registered mobile#> Card control > with or without the consent of Cardmember
Services > Security > Hotlist
or an Additional Cardmember. If the Card-
WhatsApp 70700 22222 > Type Hotlist Card > member has acted fraudulently the Card-
Banking Option will be displayed for hotlisting member will be liable for all losses. If the
Cardmember acts without reasonable care,
Phone 1800 202 6161 / 1860 267 6161
Banking the Cardmember may be liable for all losses
(accessible across India) incurred.
/ IVR
Visit www.hdfcbank.com > Click on D) The Cardholder is under obligation to take
EVA
EVA icon > Credit Card Service > all appropriate steps to keep the card
Block Card (including the add-on card/s) safe and not to
record the PIN, One Time Password (OTP)
A) The Cardmember must notify the 24-Hour or any other token/code issued from time to
Call Center immediately if the Primary Card time, in any form that would be retrievable or
or any Additional credit card is misplaced, otherwise accessible to any third party if
lost, stolen, mutilated, not received when access is gained to such a record, either
due or if he/she suspects that the Credit honestly or dishonestly.
Card is being used without Cardmember's E) HDFC Bank may, without referring to the
14
 Cardmember or any additional tions of the Tata Neu Loyalty Program avail-
Cardmember, give the police or other able at https://www.tatadigital.com/terms-
relevant authorities any information that and-conditions.
HDFC Bank consider relevant about the a. Reward Point Validity
loss, theft, misuse of a Card or PIN.
Reward Points are valid only for 2 years
F) An optional insurance product may be from the date of accumulation. e.g.:- if you
availed of by the card members, at his/her have received Reward Points in the month
own discretion, to cover the liability arising in of May 2015, then the same will expire in
the event of any fraudulent transactions on May 2017, except for Infinia /Infinia (Metal
the Credit Card. For further details and Edition) Diners Black for which reward
terms and conditions of such Insurance points are valid for 3years, and Easy EMI
cover, kindly contact our representative of cards on which cash points are valid for 1
the Bank. year.
G) HDFC Bank Contactless Cards allows you Important notice for Customers who have
to pay with a simple tap. To make a been card members on or before 30th June
transaction of `5,000 or less, just tap to pay 2015:
with your contactless card and you won't
W.e.f. 18th March, 2020, when you receive
need to sign or enter any PIN. Contactless
a new credit card due to upgrade/migration,
transactions are as secured as any chip or
replacement, renewal or re-issuance, etc,
PIN based transactions. The Bank is not
the reward points already accumulated
liable or responsible for any transactions
earlier, will have limited validity between 1 to
incurred on the Card Account prior to time of
3 years from the date of transfer, depending
reporting or delay in reporting of the loss or
on the card variant.
misuse of the card and the Card member
will be wholly liable for the same. Terms and • For EasyEMl cards, the Cash points
Conditions mentioned in the card member accrued earlier will be valid for 1 year from
agreement is applicable for all contact-less the date of card upgrade / migration,
cards and contact-less transactions. replacement, renewal or re-issuance.
9. Reward Points • For Infinia/Infinia (Metal Edition)/Diners
Black cards, the Reward points will be valid
Reward Points will be earned for transaction
for 3 years from the date of card
amounts in multiples of `150, residual
upgrade/migration, replacement, renewal or
amounts or transactions below `150 will not
re-issuance,
earn Reward Points. For Silver cards and
Freedom Plus Cards, Reward Points are • For all other card variants the Reward
earned on transactions amounts in multiple points/Cash points accrued (as per feature),
of `200, residual amounts or transactions will be valid for 2 years from the date of card
below `200 will not earn Reward Points. upgrade/migration, replacement, renewal or
The reward points awarded or credited on re-issuance,
the Tata Neu Plus/Infinity HDFC Bank Credit E.g., Customer was issued a Regalia First
Card shall be in the form of Tata NeuCoins, credit card on Feb, 2014. His/her card which
which shall be calculated as a percentage of has accumulated 50,000 reward points is
the spends. The reward points are not static being replaced (due to lost card, renewal,
and may be subject to special offers, etc) in May 2020.
discounts and benefits as applicable, from Post replacement, his/her reward points
time to time. For further details of the reward balance of 50,000 will now have a validity of
points Tata Neu Plus/Infinity HDFC Bank 2 years from the date of transfer i.e.,these
Credit Card please see the terms and condi- points would expire on May 2022 if not
tions of the Tata Neu Plus/Infinity HDFC utilized.
Bank Credit Card available at product page
For all future Reward points/Cash points
on https://www.hdfcbank.com/personal/pay/
that will be accrued after 18th Mar 2020, the
cards/credit-cards, and the terms and condi-
15
 above validity norms will be applicable as g. With effect from 1st January 2023, Reward
per the card variant. Points redemption for Tanishq vouchers are
Customers who have received their capped to 50,000 reward points per
upgraded, replaced, renewal or re-issued calendar month for Infinia cards.
cards before 18th Mar 2020 and have also h. With effect from 1st February 2023, Reward
been a card member on or before 30th June Points redemption for CashBack
2015: then their accrued reward/cash points redemption are capped per calendar month
will continue to be valid till the date of the to 3000 rewards points for Millennia, Easy
next card upgrade/migration, replacement, Emi millennia, Bharat, Pharmeasy and
renewal or re-issuance. Post which the Paytm cards and 50,000 reward points for
reward/cash points will have limited validity all other cards.
as per card variants explained above. i. With effect from 1st February 2023,
Validity of the Tata Neu Coins earned on the cardmembers can redeem upto 70% of
Tata Neu Plus/Infinity HDFC Bank Credit product/Voucher value through Reward
Card shall be governed by the terms and Points on select vouchers/products and pay
conditions of the Tata Neu Plus/ Infinity the remaining amount via Credit card. This
HDFC Bank Credit Card available at product is not applicable for Infinia and Diners black
page on https://www.hdfcbank.com/ cards.
personal/pay/cards/credit-cards, and the j. With effect from 1st January 2023,
terms and conditions of the Tata Neu Loyalty
1. Rent payments will NOT earn Reward Points
Program available at
on all the cards
https://www.tatadigital.com/terms-and-condi
tions. 2. Government related transactions will NOT
earn Reward Points on all the cards except
b. EasyEmi and e-wallet loading transaction
Business Regalia , Business Regalia first,
will not accure Reward Points.
Business Money back, CSC small business
c. Reward Points accrued will be reversed if a moneyback, Paytm Business, Flipkart
retail transaction is converted into SmartE- Business, Retailio, Best Price Save Smart,
MI. Best Price Save Max and Pinelabs
d. W.e.f. 20th Dec 2019, Reward Points 3. Education related transactions will NOT
accrued for insurance transactions will have earn Reward Points on Business Regalia ,
a maximum cap of 5000 per day for Infinia, Business Regalia first, Business Money
Infinia (Metal Edition) & Diners Black cards back, CSC small business moneyback,
and 2000 per day for all other credit cards. Paytm Business, Flipkart Business, Retailio,
e. W.e.f. 23/07/2022 Reward points earned on Best Price Save Smart, Best Price Save Max
property management services including and Pinelabs
rent, will have a maximum cap of 2000 per k. With effect from 1st January 2023, Reward
month for Infinia, Infinia (Metal Edition) & Points earned on Grocery transactions will
Diners Black cards, 1000 per month for be capped per month to:
Regalia, Diners Privilege, Indigo XL, Tata
1. 2000 Reward Points for Infinia, Diners
Neu Infinity and 500 for all other credit
Black, Regalia, Regalia Gold, Regalia
cards.Points earned will be appropriately
first, Business Regalia , Business Regalia
posted in the 1st week of subsequent
first, Diners Privilege, Diners Premium,
month.
Diners Clubmiles ,Tata Neu Infinity cards
f. With effect from 1st January 2023, Reward and,
Points redemption for flights & hotels
2. 1000 reward points for the rest of the
bookings are capped per calendar month at
cards
1,50,000 reward points for Infinia, 75,000
reward points for Diners Black and 50,000 l. Tata NeuCoins accrued shall be utilizable in
reward points for all other cards. accordance with the terms and conditions of
the Tata Neu Plus/ Infinity HDFC Bank

16
 Credit Card available at product page on the discretion of the Bank, would be allowed
https://www.hdfcbank.com/personal/pay/car at same rate at which the E vouchers
ds/credit-cards, and the terms and redeemed at.
conditions of the Tata Neu Loyalty Program p. For flight and hotel bookings, Credit Card
available at mem-bers can redeem up to a maximum of
h t t p s : / / w w w. t a t a d i g i t a l . c o m / t e r m s - 70% of the booking value through Reward
and-conditions. Points. Rest of the transaction amount will
m. If the Credit Card is not used for more than have to be paid via the Credit Card limit.
365 days, Reward Points accrued will This applies to Infinia, Infinia (Metal Edition)
benullified. and Diners Black cards w.e.f. 25th July
n. The Bank reserves the right to cancel or 2020. This is applicable to retail and
suspend Reward Points accrued on the business card variants of Regalia, Regalia
Credit Card if it is in arrears, restructured, First and other Diners card variants
suspension or default or if the Card Account (ClubMiles, Rewardz, Privilege, Premium)
is or is reasonably suspected to be operated since 25th Nov 2019. This condition applies
fraudulently. Reward Points earned but not for transactions done on HDFC Bank
redeemed at the time of death of the Smartbuy or the dedicated website portals
Cardmember shall be forfeited. of the bank for the respective card variants.
o. When the card member receives a merchant q. For flight and hotel bookings, Credit Card
refund for a transaction incurred earlier on mem-bers can redeem up to a maximum of
the card it will be credited to the card 50% of booking value through Reward
account upon receipt. If the said refund Points. Rest of the transaction amount will
amount is greater than the last statemented have to be paid via the Credit Card limit.
balance / billed outstanding, then the excess This condition applies to all cards other than
amount post adjustment against last those mentioned in above point (i). The
statement balance / billed outstanding will cards are grouped as Regular, Cashback,
be refunded to your account, provided the Premium, Premium Travel, Professional,
said merchant refund had originated from a Co-branded and Business cards on the
transaction incurred prior to the last bank's website. This condition applies for
statement date. If you have not furnished transactions done on HDFC Bank
your account number for such credits, kindly Smartbuy. This is in effect from 10th June
login through my-cards application and 2019.
update your account number or visit our r. If the Credit card is blocked (Blocks
nearest branch for updating the account N/R/M/O) due to hotlisting i.e. lost, stolen,
number. etc (or) Card is RTO i.e. not delivered due to
If the merchant refund received pertains to a address change, etc (or) resident card
recent transaction incurred post the last holder holding a Non-resident account (or)
statement date, then the refund received will de-activation of card till card holder
be credited to card account and adjusted authorization and is not re-activated within 6
against the original transaction. months from block placement - For such
Such credits posted to the Card Account cases RPs accrued in the card will be
including but not limited to those arising nullified.
from returned goods or services or s. Customers can earn cashback through
cancelled transactions, the Reward Points redemption of reward points towards
or cashpoints accrued as per product cashback.
construct will be reduced / reversed / Cashback credits will not be considered as
adjusted payment for the last statement. Customers
In case of cancellation of E vouchers that need to effect payment towards the previous
were availed by redeeming reward points, statement outstanding.
the restoration of reward points, if allowed at Cashback amount credited to the card

17
 account will be adjusted towards the next Customer Grievance will be addressed
statement balance. within a period of 30 days, if your issue still
10. Grievance Cell and Compensation Policy remains unresolved or if you have not
received response within 30 days of lodging
First level touch points
a complaint, you may approach the Banking
Queries / Feedback / Complaints. The Ombudsman appointed by the Reserve
customer can reach out to the following Bank of India.
channels:
Failed / Unsuccessful Domestic
- Online Dispute Resolution transactions
- Call us In case of unsuccessful transaction / failure,
- Visit us as per Harmonisation of TAT, the Bank will
- Write to us reverse blocked amount within 5 days. In
- Email us case if the merchant claims such transaction
the regular dispute process will be followed
- Report unauthorised e-transactions as per franchise guidelines which is covered
(transactions not done by you) in the compensation policy
- Chat with us Compensation Policy
- Block/Unblock credit card The timeline is specified and updated in the
- Check your credit card outstanding amount compensation policy displayed on the bank
- Credit cards mis-selling or harassment website under Our Corporate Commitment
> Citizens Charter > Customer
related complaints. Compensation Policy > Credit Cards
Second level touch point: Where it is established that the Bank had
If you have not received a satisfactory issued and activated a credit card without
response for your queries with other written consent of the recipient, the Bank
channels. Please write to our Grievance would reverse the charges immediately and
Redressal Officer. The Cardmember can also pay a penalty without demur to the
contact HDFC Bank Credit Cards for making recipient amounting to twice the value of
any enquiries or for any grievance redressal charges reversed in this regard. Operation
through: of credit account shall be in accordance with
• Through our Call Centres: HDFC Bank credit card terms and
1800 202 6161 / 1860 267 6161 If you are conditions. Transactions reported as
not in India: +91 22 61606160 erroneous by customers, which require
specific reference to a merchant
• Through mail: establishment will be handled as per
Manager, HDFC Bank Cards P.O. Box 8654, chargeback rules laid down by card
Thiruvanmiyur, Chennai - 600 041 networks (VISA / MasterCard / Diners /
• By Email: RuPay). The Bank will provide explanation
[email protected] and, if necessary, documentary evidence to
the customer within a maximum period of
• Grievance Redressal Officer: sixty days.
Reach us on phone 04461084900 between Failure on the part of the card-issuers to
09.30 a.m. to 05.30 p.m. Monday to Friday. complete the process of closure of credit
Please note that the mechanism and card within seven working days shall result
timelines of Grievance Redressal Policy is in a penalty of ₹500 per day of delay
available on the website – payable to the customer, till the closure of
www.hdfcbank.com and the same can be credit card, provided there is no outstanding
accessed by following the path – Our in the credit card account.
Corporate Commitment -> Citizens Charter 11. Customer Protection:
-> Grievance Redressal

18
 In case of loss/theft/ misuse of card, the initiative are required to share customer
Bank shall be guided by the ‘Customer data with Credit Information Companies and
Protection Policy’ updated on the website of this information is being provided in the
the Bank which has been formulated based terms of the Credit Information Companies
on the RBI circular on Customer Protection Regulation Act, 2005. In view of this we wish
– Limiting Liability of Customers in to inform the Cardmember that the bank can
Unauthorised Electronic Banking disclose any information relating to credit
Transactions’ as updated from time to time. card(s) default by the customer to the Credit
(RBI Circular - ref. DBR.No. Information Companies to any other credit
Leg.BC.78/09.07.005/2017-18 dated July 6, bureau (Existing and Future) in case the
2017) card is overdue, with due intimation to the
Please Note you can refer the Customer cardholder . The Bank hereby informs the
Protection Policy Note by visiting Cardmember that fresh/ update on
www.hdfcbank.com > Useful Links > Our cardholder’s data on receipt of payment
Corporate Commitments > Customer towards overdue card accounts will reflect in
Compensation Policy If customer suspects CIBIL / other credit bureaus within a period
any unauthorised transaction, customer of 30(Thirty) days from the date of receipt of
should inform the bank through the following payment by the bank. We also wish to
channels: for blocking of card to avoid inform the Cardmember that the bank will, at
further unauthorised transaction or misuse. its own discretion, record specific
conversations between the Cardmember
Channels Path / Contact details and the representative of the Bank, in cases
www.hdfcbank.com > Log in >
Net Credit Cards > Select the Card of grievance-related conversation or
Banking from Your Credit Cards > Block payments-recovery-related conversations
Mobile Mobile banking home page > Pay or any other conversations, that the Bank
Banking > CreditCards > Select the Card may deem fit. Select Credit Card variants
from Your Credit Cards > Block have a complimentary insurance cover on
MyCards - www.mycards.hdfcbank.com > enter the Card. The policy coverage starts from
PWA registered mobile#> Card control > the date of the Credit Card set up. For
Services > Security > Hotlist
information on updating nominee details
WhatsApp 70700 22222 > Type Hotlist Card > and terms and conditions, please refer to
Banking Option will be displayed for hotlisting usage guide.
Phone 13. Lounge Access
1800 202 6161 / 1860 267 6161
Banking (accessible across India) Priority Pass - Charge of $27 + taxes, will be
/ IVR applicable on all the lounge visits exceeding
EVA Visit www.hdfcbank.com > Click on the complimentary cap.
EVA icon > Credit Card Service > Infinia, Infinia (Metal Edition): Complimentry
Block Card priority pass memberhip for Primary and
add-on card holders with unlimited lounge
access for poriority pass card holder.
12. Disclosure
Diners Club Credit Card — All visits
The Cardmember acknowledges that as per
exceeding the complimentary limit will be
existing business practices, the Bank can
charged at the prevailing lounge rate
disclose from time to time any information
inclusive of taxes. Card validation charges
relating to the Credit Card(s), to any credit
for the lounge will be levied which will not be
bureau (Existing or Future) The Credit
reversed.
Information Companies are an initiative of
the Government of India and Reserve Bank Please ensure the safety of your Priority
of India to improve the functionality and Pass to avoid misuse. The priority pass is
stability of the financial system. All banks not transferable. Bank has the right to
and financial institutions participating in this withdraw the Priority Pass membership or

19
 any other benefit associated with your credit
card if your card is closed or remains
inactive for more than 90 days.
These charges will be billed on your
subsequent statement within 90 days of
date of visit and this transaction will not
accrue Reward Points.
Currency conversion rate is applicable as on
the date of settlement.
14. Most Important Terms and Conditions in
Regional Languages
Please Visit www.hdfcbank.com for
information on MITC in regional
languages,Options available
1) Hindi 2) Kannada 3) Malayalam 4) Telugu
5) Tamil 6) Bengali 7) Marathi 8) Gujarati 9)
Punjabi 10) Oriya 11) Assamese
The Cardmember hereby acknowledges that
the Most Important Terms and Conditions
available in regional languages at
www.hdfcbank.com is the representative
text of the English version of the Most
Important Terms and Conditions.
The Cardmember agrees and acknowledges
that in the event of any inconsistency
between the texts in English and regional
languages of the Most Important Terms and
Conditions, the text in English shall prevail
and shall be binding on the Cardmember.

Customer Compensation Policy is displayed on the bank website under

Our Corporate Commitment > Citizens Charter > Customer Compensation Policy > Credit Cards
93248_MITC_Ver_1.92_DEC22

For any sales queries on mis-selling / harassment / complaints, please write to

[email protected] or call at 18002583838
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 logon of our website: www.hdfcbank.
com and register your self 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

20
ADDITIONAL SCHEDULE - Income Recognition, Asset Classification and Provisioning
pertaining to Advances- Clarifications (IRACP)