SCHEDULE OF CHARGES

(Version 1.38) Description of Charges Business Gold Credit Card

Interest Free Period Minimum Repayment Amount Cash Advance Limit Annual / Renewal Fee Spend condition for waiver of annual charges

Up to 50 days 5%, Minimum Rs. 200 30% of the credit limit Rs. 199 1st year fee waiver condition: Rs. 5,000 retail spends in first 3 months from the card setup date. Renewal fee (2nd year onwards) waiver condition: Rs. 15,000 retail spends in 12 months from card renewal date.

Additional Card fee Charges On revolving Credit

Life time free 3.25% p. m., 39% Annually - from Transaction Date (1.99% p.m., 23.88% Annually on issuance against Fixed Deposit) 2.5% on amount withdrawn or Rs. 300 whichever is higher. Statement Balance Late Payment Charges Bills up to Rs.100 Nil Bills between Rs. 100 and Rs. 500 Rs. 100 Bills between Rs. 501 and Rs. 5,000 Rs. 400 Bills between Rs. 5,001 and Rs. 20,000 Rs. 500 Bills above Rs. 20,000 Rs. 700 2.5% of over limit amount, subject to a minimum of Rs. 500 **2% of payment amount, subject to minimum of Rs. 350 Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs) 2% of BT / BT on EMI amount or Rs. 250, whichever is higher 2.5% (subject to minimum of Rs. 10) Waived off for transaction value between Rs. 400 to Rs. 5000 Rs. 30 + 2.5% of transaction amount Rs. 100 Cheque value upto Rs. 5,000 Fee will be Rs. 25, Cheque value above Rs. 5,000 - fee will be Rs. 50 Rs. 125 per Chargeslip Bank charges Cross currency mark-up of 3.5% Applicable on all fees, interest and other charges

Cash Advance Charges Late Payment Charges (Basis Credit Card bill amount)

Charges on over limit account Payment return Charges Cash Processing Fees Balance Transfer / Balance Transfer on EMI Processing Charges Petrol Surcharge Railway Ticket Purchase Fee Reissue of Lost, Stolen or Damaged Card Outstation Cheque Processing Charge Retrieval Fees (Charge slip) Foreign Currency Transactions Service Tax

Please note, we have discontinued this product and all existing cards are being automatically upgraded to Business Platinum Chip Credit Card on Renewal/Reissuance. Annual fee for Business Platinum Chip Credit Card is Rs. 299 + taxes.
** Payment return charges is mentioned as 2% of Payment amount subject to minimum of Rs. 350, it will be 2% of Payment amount subject to minimum of Rs. 450 with effect from 1st October 2013