| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Rs 10,000 |
| Annual Fee | Rs 1000 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | Free |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | 2% of the payment amount, subject to a minimum of Rs. 350 |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | Applicable as per government norms |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Rs 10,000 |
| Annual Fee | Rs 1000 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | |
| Service Tax | Applicable as per govenment norms |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 500 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | Applicable as per government rules |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 500 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | As per goverment norms |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 500 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | As per government norms |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 299 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | As per government norms |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 1000 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | Applicable as per goverment norms |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 1000 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | As per government norms |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 500 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | As per goverment norms |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 1000 to Rs 5000 |
| Add-on Card Joining Fee | Life time free(up to 3 add on cards) |
| Add-on Card Annual Fee | Life time free(up to 3 add on cards) |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | Rs 125 per chargeslip |
| Outstation Cheque Fee | Cheque value up to Rs 5000-fee will be Rs 25 Cheque value above Rs 5000-fee will be Rs 50 |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Less than Rs 100-Nill Rs 100 to Rs 500-Rs 100 Rs 501 to Rs 5,000-Rs 400 Rs 5,001 to Rs 10,000-Rs 500 |
| Over Limit Penalty | 2.5% of overlimit amount(Min Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Rs 30+2.5% of transaction amount |
| Foreign Currency Transaction Fee | Bank changers corss currency up to 3.5% |
| Service Tax | As per government norms |
HDFC Bank Limited is an Indian banking and financial services company headquartered in Mumbai, Maharashtra. Incorporated in 1994, it is the fifth largest bank in India as measured by assets. It is the largest private sector bank in India by market capitalization as of February 2014. The bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. According to the Brand Trust Report 2014, HDFC was ranked 32nd among India's most trusted brands. HDFC was ranked 45th on the list of top 50 Banks in the world in terms of their market capitalization.
KPMG India's Best Banks 2015 Awards by Business Today, 2016
Mr. Aditya Puri in Barron's Top 30 Global CEOs for 2nd year by Barron's World's Top 30 CEOs, 2016
HDFC Bank wins prestigious IBA Banking Technology Awards by IBA Awards, 2016
HDFC Bank wins Bank of the year and Best Digital Banking Initiative awards by Business Today - KPMG India's Best Bank, 2016
HDFC Bank wins NPCI National Payments Excellence Awards, 2015
Excellence in Customer Experience by IDC Insights Award 2015
When you apply for a credit card, you apply to borrow money from the card issuer, usually a bank. The issuer will look at your credit history before it accepts your application - and if you have a low credit score you could be refused credit. If you have good credit score and having satisfactory trade records, Banks Generally provides up to 5 times of your monthly Salary.
If all is well, the bank will set a credit limit, which is the maximum amount you can spend on the card. The card company will send you a statement every month, detailing the transactions on the card, plus the amount owing. It should also give the minimum payment and the payment due date.
Increased Spending As per research on the whole, credit card customers spend 2½ time more money than cash-carriers, making larger purchases that are as simple as upsizing their meal at a fast food restaurant.
More Frequent Purchases Because credit cards afford shoppers more flexibility, they go out and buy items as soon as they need them. Conversely, cash-only shoppers buy when their wallets are full — paydays and holidays.
Extraneous Purchases Businesses that receive credit and debit card payments, as opposed to cash-only establishments, reap the benefits of unintended purchases. Because credit card payers are not confined to what they have in their wallets, these buyers frequently purchase items on impulse — like that cute pair of shoes that are on sale.
Additional Credit Perks for Businesses - Knowing how varied payment options affect consumer behaviour, you may wonder how this translates to benefits for your business. Indeed, merchants experience a number of advantages when incorporating credit card payments into their business model.
Unexpected fees - Typically, you'll pay between 2 and 4 percent just to get the cash advance; also cash advances usually carry high interest rates.
Hidden costs - The interest rate is not the only cost of a credit card. A fee will be charged if you are late making your monthly payment, or miss it altogether. You'll also pay a penalty if you exceed your credit limit. So make sure you keep track of your spending and always pay your bill on time.
And don't be tempted to withdraw cash on your credit card. Most card firms charge a fee to withdraw cash from an ATM, typically about 2%. You will also start to rack up interest immediately as there is no interest-free period on cash withdrawals.
Clearly, there is a lot to know about credit cards, and it is not all bad. Here is a list of do's and don'ts that will help you maintain a good credit experience: