Professional Documents
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CC Common MITC
CC Common MITC
Please note that the Finance Charges and other e) Payments towards the card account may be
charges are subject to change at the discretion of made in any of the following ways:
HDFC Bank. I) In case the Cardmember has an HDFC
Also please note that if the Cardmember exceeds Bank account, he can make the Payment
the credit limit of the accounts, Over Limit Charges through NetBanking, ATMs, or
will be levied on the account. For a list of charges PhoneBanking.
that may be levied at specific instances, please II) In case the Cardmember has an HDFC
refer to the Schedule of Charges available at the Bank account, he can opt for a Standing
end of this document. Instruction facility, where funds can be
4. Billing and Statement automatically transferred from the
a) HDFC Bank will send the Cardmember a Cardmember's HDFC Bank account to the
monthly statement showing the payments Cardmember's card account on due date.
credited and the transactions debited to the III) Customer can also make payment through
Cardmember's account since the last NEFT fund transfer mode from other bank
statement. The Bank will mail a statement of account (use IFSC code HDFC0000128) or
transactions in the card account every month use the VISA Money transfer facility.
on a pre-determined date, to the mailing IV) In case the Cardmember does not have an
address on record with the bank. If the balance HDFC Bank account, he can make the
outstanding is less than `200/- and there Is no Payment through Bill Desk facility using
further transaction pending billing since the last other banks NetBanking account.
statement, no statement will be issued. iii) By dropping the payment instrument
b) HDFC Bank Credit Cards offer the Cardmember (Cheque or draft) into any of the HDFC
the facility of revolving credit. The Cardmember Bank Credit Card drop boxes placed in the
may choose to pay only the Minimum Amount HDFC Bank branches and ATMs.. The
Due printed on the statement. The balance Cheque Draft should be made payable to
outstanding can be carried forward to HDFC Bank Card Number xxxx xxxx xxxx
subsequent statements. The Cardmember can xxxx.
also choose to pay the Total Amount Due or any iv) Through Cash Payments at the bank
part of the amount above the Minimum Amount branches.
Due. Such payment should be made before the
f) Billing Disputes: All the Contents of the
Payment Due Date. Clear funds need to be
statement will be deemed to be correct and
credited to HDFC Bank Card account on or
accepted if the Cardmember does not inform
before payment due date to avoid Late Payment
HDFC Bank of the discrepancies within 60
Charges. Cardmembers are advised to drop
days of the Statement Date in writing. On
local cheques well in advance of the Payment
receipt of such information, HDFC Bank may
due date to ensure payment reflects on the card
reverse the charge on temporary basis pending
account within the Payment due date. Any
investigation. If on completion of subsequent
unpaid Minimum Amount Due of the previous
investigations, the liability of such charges is to
statements will be added to the Cardmember's
the Cardmembers account, the charge will be
current Minimum Amount Due in addition to the
reinstated in a subsequent statement along
outstanding exceeding the Cardmember's
with the associated retrieval requests charges.
Credit Limit.
Upon receipt of dispute from customers, within
c) Payments made towards the Card outstanding a maximum period of sixty days, Bank would
are acknowledged in subsequent statements. provide necessary documents, wherever
d) Payments received against the Cardmember's applicable and received from the Member
card outstanding will be adjusted against all Bank, subject to operating guidelines laid
taxes, fees and other charges, interest charges, down by the respective franchisee like
cash advances and purchases in that order. Visa/Master Card/Diners Club etc. GST levied
MOST IMPORTANT TERMS & CONDITIONS
will not be reversed on any dispute on Fee & of all amounts outstanding to the card
Charges / interest. account. No annual, joining or renewal fees
g) Contact Particulars: The Cardmember can shall be refunded on a pro-rata basis.
contact HDFC Bank Credit Cards for making B) In case the Bank notices unusual and
any enquiries or for any grievance redressal abnormal transaction patterns in the use of the
through: Card, the Bank will try to establish contact with
Please visit www.hdfcbank.com to know the customer on the registered phone number
our 24 hours call center number of the customer available on its records to
Through mail - Manager, HDFC Bank Cards verify the bonafideness of the card transaction.
P.O. Box 8654, Thirvanmiyur, Chennai - Failure on the part of the Bank to establish
600 041 contact with the customer, the Bank may
restrict/terminate the use of the Card without
By Email:
any further notice, if the Bank reasonably
customerservices.cards@hdfcbank.com
believes it necessary in the interest of the
5. Default Cardholder and for security reasons.
In the event of default, the Cardmember will be HDFC Bank can suspend the facility on the
sent reminders from time to time for settlement Credit Card, if the Cardmember defaults on
of any outstanding on the card account, by payment due or exceeds the credit limit
post, fax, telephone, e-mail, SMS messaging extended. The Credit Card must not be used
and/or engaging third parties to remind, follow after the Agreement has ended or if the card
up and collect dues. Any third party so account is suspended.
appointed, shall adhere fully to the code of With a view to ensure that the Credit Card is
conduct on debt collection. being used as per the regulatory guidelines,
6. Right of Lien Terms and Conditions and applicable policies
A) The bank, at any time and without notice, will of the Bank, Bank shall have a right to run
have lien and right to set-off on all monies periodic checks on the Credit Card usage to
belonging to the Cardmember and/or add on identify whether there is excessive utilization of
Cardmember standing to their credit in any credit limit beyond the sanctioned limit in one
account/custody of the bank, if upon demand statement cycle, unusual or excessive
by the bank, the balance amount on the card utilization at few select merchants, possible
account is not repaid within the prescribed time. collusion with merchant and/or usage towards
non-personal/ business related requirements,
B) During settlement of redemption in case of
over-use/ misuse of features/ offers/ programs
available Reward Points balance is lesser than
towards accumulation of undue reward points/
Points required for the transaction, the bank
cash back / other benefits amongst others.
reserves rights to debit the differential amount
Based on the usage patterns, if any of these is
on the Customers Card/Account.
suspected by the Bank, Bank may take
7. Termination/Revocation of the Card restrictive action on the Credit Card. Such
Membership action can be with immediate effect and may
A) The Cardmember may terminate the card include but not be limited to withdrawal of
membership at any time by writing to HDFC features/ benefits as well as complete
Bank at the following address: Manager HDFC termination of the Credit Card. If any such
Bank Credit Cards, P.O. Box 8654, Thirvanmiyur action is taken by the Bank onus will be on
HO, Chennai- 600 041. Along with the cards cut customer to provide satisfactory proof of bona
diagonally to pieces, all the cards including the fide usage to reinstate the Credit Card and
add-on cards will be terminated basis the attached features/ benefits as may be deemed
written request. Termination will be effective fit by the Bank. Bank's decision in this regard
only after receipt of the cut cards and payment shall be final and binding on the customers
MOST IMPORTANT TERMS & CONDITIONS
C) In such a situation, the Cardmember must Card swipe transactions may get processed
(subject to any default or other notice required by merchants without PIN / additional
by law) immediately pay HDFC Bank the total authentication, when it is initiated on
outstanding balance on the Account. This merchants located outside India as it may not
includes all amounts due to HDFC Bank under be a mandate in those countries. Cardmember
the Agreement, including all transactions and is wholly liable for all transactions prior to
other amounts not yet charged to the Account. reporting of loss of the card. After the receipt
The card will not be considered as closed until of proper notification of the loss by the bank,
the Cardmember has paid all such due the Cardmembers subsequent liability is zero.
amounts. In addition to notifying HDFC Bank about the
D) The death or in capacitance of a Cardmember loss or theft of the Card, the Cardmember
insolvency / dissolution / bankruptcy or winding must report any loss or theft of the card to the
up of a corporate body of a Cardmember shall police, lodge an FIR and provide
automatically cancel the card issued to the acknowledged copy of the police complaint.
Cardmember as well as any Add-on C) The Cardmember will be liable for all losses in
Cardmembers. The Card Account would also be case of misuse of the card by someone who
liable to be suspended on instructions from any obtained the PIN or the card with the consent
government regulatory body. All amounts of Cardmember or an Additional Cardmember.
outstanding on the Card Account shall be D) If the Cardmember has acted fraudulently the
deemed to have immediately become due on Cardmember will be liable for all losses. If the
death or incapacitance, insolvency, bankruptcy, Cardmember acts without reasonable care,
winding up or instruction from the Cardmember may be liable for all losses
government/regulatory bodies, as the case may incurred.
be, and Bank shall be entitled to recover the E) HDFC Bank may, without referring to the
same in accordance with the relevant laws in Cardmember or any additional Cardmember,
force without prejudice to the obligation of the give the police or other relevant authorities any
Cardmember to forth with pay all outstanding information that HDFC Bank consider relevant
amounts. about the loss, theft, misuse of a Card or PIN.
8. Loss / theft / misuse of Card F) An optional insurance product may be availed
A) The Cardmember must notify the 24 Hour Call of by the card members, at his/her own
Center immediately if the Primary or any discretion, to cover the liability arising in the
Additional credit card is misplaced, lost, stolen, event of any fraudulent transactions on the
mutilated, not received when due or if he/she Credit Card. For further details and terms and
suspects that the Credit Card is being used conditions of such Insurance cover, kindly
without Cardmember's permission. Once a card contact our representative of the Bank.
is reported lost, it should not, under any 9. Reward Points
circumstance be used if found by the
Reward Points will be earned for transaction
Cardmember subsequently. As the Add-On
amounts in multiples of `150, residual
card is an extended facility given on the Primary
amounts or transactions below `150 will not
Card Account, the Add-on card is rendered
earn Reward Points. For Jet Privilege Credit
invalid when the primary card is reported lost.
Card variants, JetPrivilege miles will be earned
Similarly, if the Add-on card is reported lost, the
for transaction amounts in multiples of `150,
primary Card Account and other Add-on cards
residual amounts or transactions below `150
are invalidated.
will not earn JetPrivilege miles. For Silver cards
B) The Bank is not liable or responsible for any and Freedom Plus Cards, Reward Points are
transaction incurred on the card account prior to earned on transactions amounts in multiple of
time of reporting of the loss of the card, and the `200, residual amounts or transactions below
Cardmember will be wholly liable for the same. `200 will not earn Reward Points.
MOST IMPORTANT TERMS & CONDITIONS
Reward Points are valid only for 2 years from the wish to inform the Cardmember that the bank
data of accumulation. e.g.:- if you have received can disclose any information relating to credit
Reward Points in the month of May 2015, then card(s) default by the customer to CIBIL and to
same will expire in May 2017. any other credit bureau (Existing and Future) in
Effective 1st July, 2017; case the card is overdue, with due notice. Any
a. EasyEMI and e-wallet loading transactions will refresh / updation of data on receipt of payment
not accrue Reward Points/JP Miles. towards overdue card accounts will reflect in
CIBIL / other credit bureaus within a period of 60
b. Reward Points/JP Miles accrued will be reversed
days from the date of receipt of payment by the
if a retail transaction is converted into SmartEMI.
bank. We also wish to inform the Cardmember
c. Reward points/JP Miles accrued for Insurance that the bank will, at its own discretion, record
transactions will have a maximum cap of 2,000 specific conversations between the
per transaction. Cardmember and the representative of the Bank,
d. If the Credit Card is not used for more than 365 in cases of grievance-related conversation or
days, Reward Points accrued will be nullified. payments-recovery-related conversations or any
e. The Bank reserves the right to cancel or suspend other conversations, that the Bank may deem fit.
Reward Points accrued on the Credit Card if it is Select Credit Card variants have a
in arrears, suspension or default or if the Card complimentary insurance cover on the Card. The
Account is or is reasonably suspected to be policy coverage starts from the date of the Credit
operated fraudulently. Reward Points earned but Card set up. For more information and terms &
not redeemed at the time of death of the conditions, please refer to the usage guide.
Cardmember shall be forfeited. 12. Lounge Access
10. Grievance Cell Priority Pass - Charge of $27 + taxes, will be
In the rare event of not being satisfied with the applicable on all the lounge visits exceeding
response from any of the recent contacts with the complimentary cap.
the Bank, you can write to - The Manager, Please ensure the safety of your Priority Pass
Grievance Cell, HDFC Bank Credit Cards to avoid misuse. The priority pass is not
Division. 8, Lattice Bridge Road. Thiruvanrniyur, transferable.
Chennai - 600 041, or reach us on phone Diners Club Credit Card - All visits exceeding
04423625600 between 09.30am to 05.30pm the complimentary limit will be charged at the
Monday to Friday. prevailing lounge rate inclusive of taxes.
11. Disclosure These charges will be billed on your
The Cardmember acknowledges that as per subsequent statement within 90 days of date
existing business practices, the Bank can of visit and this transaction will not accrue
disclose from time to time any information Reward Points. Currency conversion rate is
relating to the Credit Card(s), to any credit applicable as on the date of settlement.
bureau (Existing or Future) without any notice to 13. Most Important Terms and Conditions in
the customer. The Credit Information Bureau Regional Languages
India Ltd. (CIBIL) is an initiative of the
Please Visit www.hdfcbank.com for
Government of India and Reserve Bank of India
information on MITC in regional languages,
to improve the functionality and stability of the
Options available
financial system. All banks and financial
institutions participating in this initiative are 1) Hindi 2) Kannada 3) Malayalam 4) Telugu
required to share customer data with CIBIL / 5) Tamil 6) Bengali 7) Marathi 8) Gujarati
credit bureaus and this information is being 9) Punjabi 10) Oriya 11) Assamese 12) Urdu
provided in the terms of the Credit Information 13) Sindhi.
Companies Regulation Act, 2005. In view of this we
MOST IMPORTANT TERMS & CONDITIONS
SCHEDULE OF CHARGES
JetPrivilege HDFC Bank Diners Club, Regalia, Business Regalia, Doctors Regalia, Diners Club Rewardz, Times Platinum Card, JetPrivilege Platinum, Solitaire,
Description of charges Diners Club Premium, Diners ClubMiles, JetPrivilege World / Signature, AllMiles, Platinum Edge, MoneyBack, Business MoneyBack, JetPrivilege Titanium / Select,
Doctors Superior, Regalia First, Business Reglia First, Bharat CashBack, Freedom Times Titanium Card, Teachers Platinum, Business Platinum,
Card, Business Bharat CashBack, Business Freedom Card Snapdeal HDFC Bank Card
Interest free period Up to 50 days Up to 50 days
Minimum Repayment Amount 5% or minimum `200 5% or minimum `200
Cash Advance Limit 40% of the Credit Limit 40% of the Credit Limit
Annual / Renewal fee Regalia / Business Regalia / Doctors Regalia `2,500 Diners Club Rewardz `1,000
Diners Club Premium `2,500 JetPrivilege HDFC Bank Platinum / Times Platinum Card `1,000
JetPrivilege HDFC Bank World / Signature - `2,500 Solitaire / Platinum Edge / MoneyBack / Business MoneyBack /
AllMiles, Doctors Superia `1,000 JetPrivilege Titanium & Select / Times Titanium Card /
JetPrivilege HDFC Bank Diners Club `10,000 / `5,000 Teachers Platinum / Snapdeal HDFC Bank Card `500
Regalia First / Business Regalia First / Diners ClubMiles `1,000 Business Platinum `299
Bharat CashBack / Freedom Card /
Business Bharat CashBack / Business Freedom Card `500
Business Platinum
Spend `30,000 in a year and get a waiver of next years annual membership fee
Bharat CashBack / Freedom Card / Business Bharat CashBack / Business Freedom Card
Spend `20,000 in a year and get a waiver of next years annual membership fee
Solitaire / Titanium Edge / Platinum Edge / MoneyBack / Business MoneyBack
Spend `50,000 in a year and get a waiver of next years annual membership fee
AllMiles / Doctors Superia / Diners Club Rewardz / Regalia First / Business Regalia First / Diners ClubMiles
Spend `1,00,000 in a year and get a waiver of next years annual membership fee
Spend condition for waiver of Regalia / Business Regalia / Doctors Regalia / Diners Club Premium
annual charges Spend `3,00,000 in a year and get a waiver of next years annual membership fee
JetPrivilege HDFC Bank Titanium & Select / Times Titanium Card / Snapdeal HDFC Bank Card
Excludes transactions below
Spend `1,50,000 in a year and get a waiver of next years annual membership fee
JetPrivilege HDFC Bank Platinum / Times Platinum Card
Cash on Call
Spend `2,50,000 in a year and get a waiver of next years annual membership fee
Balance Transfer
JetPrivilege HDFC Bank World / Signature
Cash Withdrawal
Spend `3,00,000 in a year and get a waiver of next years annual membership fee
Teachers Platinum
Spend `30,000 in a year and get a waiver of next years annual membership fee
Additional Card Fee Lifetime Free
JetPrivilege HDFC Bank Diners Club/ Diners Black/ Infinia - 1.99% per month i.e. 23.88% annually
Jet World / Signature - 3.49% per month i.e. 41.88% annually
Regalia/Business Regalia/Doctors Regalia - 2.95% per month ie 35.4% annually (3.49% per month ie 41.88% annually wef 15th August 2017)
Regalia First/Business Regalia First - 3.49% per month i.e. 41.88% annually
Charges on Revolving Credit Others - Initial interest rate at card issuance is 3.49% per month i.e. 41.88% annually
This can change periodically depending on spend, payback and utilization patterns. The maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.
Card issued against Fixed Deposit - 1.99% per month (23.88% annually) applicable from transaction date
Cash Advance Charges 2.5% of amount withdrawn or `300 (`500 wef 15th August 2017) whichever is higher 2.5% of amount withdrawn or `300 (`500 wef 15th August 2017) whichever is higher
Statement Balance Late Payment Charges
Less than `100 Nil
Late Payment Charges `100 to `500 `100/-
(Basic Credit Card bill amount) `501 to `5,000 `400/-
`5,001 to `10,000 `500/-
`10,001 and above `700/- (`750/- wef 15th August 2017)
Charges on overlimit account 2.5% of overlimit amount, subject to a minimum of `500 2.5% of overlimit amount, subject to a minimum of `500
Payment Return Charges 2% of Payment amount subject to minimum of `450 2% of Payment amount subject to minimum of `450
`100 (for all card payments made by depositing in HDFC `100 (for all card payments made by depositing in HDFC
Cash Processing Fee Bank branches or ATMs) Bank branches or ATMs)
`75 (`99 wef 15th August 2017) per redemption request - Applicable for all cards `75 (`99 wef 15th August 2017) per redemption request Not applicable for
Rewards Redemption Fee
other than JetPrivilege HDFC Bank World / JetPrivilege HDFC Bank Diners Club JetPrivilege HDFC Bank Platinum & JetPrivilege HDFC Bank Titanium
Balance Transfer Processing Charges 2% of BT amount or `250, whichever is higher 2% of BT amount or `250, whichever is higher
JetPrivilege HDFC Bank Diners Club/Infinia Fuel Surcharge Waiver capped at `1000 every billing cycle (GST applicable). Waived for transaction between
Diners Premium, Diners ClubMiles, Jet World / Signature, Regalia, Diners Rewardz, Regalia First, Business Regalia First, a) `400 to `5000 for Regalia / Business
Petrol Transaction Surcharge Jet Platinum, ALLMILES, Business Regalia, Doctors Regalia, Times Platinum Fuel Surcharge Waiver capped at `500 Regalia / Doctors Regalia / Regalia First /
every billing cycle (GST applicable). All other cards Fuel Surcharge Waiver capped at `250 every billing cycle (GST Business Regalia First
applicable). (Statement level capping on PSW effective August 15, 2014) Effective April 15, 2016, Reward Points / JPMiles b) `400 to `5000 for all other cards. Effective
will not be accrued on fuel transactions. GST charged on fuel surcharge is non-refundable. Effective February 15, 2017, April 15, 2016, Reward Points / JPMiles will not
Fuel Surcharge Waiver will be capped at 1% of the eligible fuel transaction amounts. Fuel surcharge varies from 2.5% to 1% be accrued on fuel transactions. GST
of fuel transaction amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank. charged on fuel surcharge is non-refundable.
If you dont wish to be called about our products and services, kindly log on to our website: www.hdfcbank.com and register yourself in our Dont Call Registration option. Card account levied with late payment
charges in the latest generated statement will be exempted from the cash processing fee.