HDFC Freedom Kfs 1

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<title>HDFC Key Fact Statement</title>
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KEY FACT STATEMENT


(a) Fees and Charges

i. Joining fees for primary cardholder and for add-on
cardholder/s:

>ii. Annual membership fees for primary and add-on cardholder/s:


> 

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>Card Variant

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>Joining fees/Renewal Membership Fees per Annum
(Excluding GST)

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<tr>

Freedom Credit Card

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Rs. 500/-
</td>
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iii. Cash advance fee:

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Cash Advance Charges (Excluding, Infinia Metal Edition)

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2.5% of amount withdrawn or Rs. 500 whichever is higher

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> 

>iv. Service charges levied for transactions:

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Fuel Transaction Surcharge

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>Up to 1.5% which may vary depending on the fuel station and
their acquiring bank

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Railway Ticket Purchase Fee

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>1% of the transaction amount + GST On all cards except IRCTC
HDFC Bank Credit Card (Refer IRCTC website for detailed fee
structure)

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>(*) Service changes may be levied at Hospitals, Education or government
sites. 

> v. Interest free (grace) period - illustrated with examples 

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Interest free Period:

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<li style="font-size: 12pt">
The interest free credit period could range from 20 to 50
days subject to the scheme applicable on the Credit Card
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However, this is not applicable if the Previous month's
balance has not been cleared in full or if the Cardmember has
availed of cash from ATM
</li>
</ul>

For instance, the HDFC Bank Freedom Credit Card has an
interest-free credit period of up to 50 days. This means that a
customer who has a billing date of 4th of the month can spend on
his Card from Sth April to 4th May, his bill will be generated
on 4th May and his Payment Due Date will be 24th May. Hence, a
purchase made on 14th April will have a credit free period of 41
days, while a purchase made on 2nd May will have a credit free
perios of 23 days.

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> vi. Finance charges for both revolving credit and cash advances:

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Card Variant
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>Interest charges (Excluding GST)

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Freedom Credit Card 

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>3.6% Per Month i.e. 43.2% annually

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>(*) Cash Advance charges will be levied from the next day of the
withdrawal made.


viii. Charges in case of default:

 
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>Late Payment Charges (Basis Credit Card bill amount)


>(excluding Inï¬nia (Metal Edition)

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Outstanding balance

>Less than Rs 100 Rs 100 to Rs 500

Rs 501 to Rs 5,000

Rs 5,001 to Rs 10,000

Rs 10,001 to Rs 25,000

Rs 25001 to Rs 50,000

More than Rs 50,000

</td>

>Late Payment Changes (Ex GST)

NIL Rs 

100/- Rs




1,100/- Rs

1,300/- Rs

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(b) Drawal Limits


>I. Credit limit: HDFC Bank at its sole discretion will determine the
Cardmember's credit limit and will convey the same upon card
issuance

>ii. Available credit limit: Available credit limit is communicated to
the Cardmember at the time of card delivery and in the monthly
statements. The available credit limit at the time of the statement
generation is provided as a part of the monthly statement.

>iii. Cash withdrawal limit: Cash withdrawal limit is 40% of the Credit
limit 

(c) Billing

>i. Billing statements - periodicity and mode of sending:

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Periodicity: Monthly on a pre-determined date, Mode:
Physical/e-mail statement as per customer's choice.

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ii. Minimum amount payable:

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5% of Retail Balance / Cash Advance Balance and finance charges
and 100% of Charges, Loan EMI billed under cards, levies and
taxes.


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iii. Method of payment:

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Payments towards the card account may be made in any of the
following ways:

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NetBanking, Mobile Banking, ATM, Auto Debit through Standing
Instruction, Cash payment at Bank Branches, Cheque/draft,
Billdesk using other Bank's NetBanking account, NEFT, RTGS,
IMPS
</li>
</ul>
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iv. Billing disputes resolution:

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All the Contents of the statement will be deemed to be
correct and accepted it the Cardmember does not inform HDFC
Bank of the discrepancies within 30 days of the Statement Date
in writing. 
</li>
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dir="ltr"
>
On receipt of such information, HDFC Bank may reverse the
charge on temporary basis pending investigation. If on
completion of subsequent investigations, the liability of such
charges is to the Cardmembers account, the charge will be
reinstated in a subsequent statement along with the associated
retrieval requests charges. 
</li>
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dir="ltr"
>
Upon receipt of dispute from customers, within a maximum
period of Thirty days, Bank would provide necessary documents,
wherever applicable and received from the Member Bank, subject
to operating guidelines laid down by the respective franchisee
like Visa/Master Card/ Diners Club etc. Gs levied will not be
reversed on any dispute on Fee & Charges / interest.
</li>
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>v. Complete postal address of HDFC Bank LTD Credit Card Division

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HDFC Bank Credit Cards Division, 8, Lattice Bridge Road.
Thiruvanmiyur, Chennai -600041

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>vi. Contact details of Grievance Redressal Oï¬ƒcial:

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>Contact Particulars:
 The Cardmember can contact HDFC Bank Credit Cards for
making any enquiries or for any grievance redressal
through: 
</li>
<li dir="ltr">
>Through our Call Centres:
 1800 202 6161 / 1860 267 6161 If you are not in India: +91
22 61606160

</li>
<li dir="ltr">
>Through mail:
 Manager, HDFC Bank Cards P.O. Box 8654, Thiruvanmiyur,
Chennai - 600 041
</li>
<li dir="ltr">
>By Email:
<a
href="mailto:customerservices.cards@hdfebank.com"
target="_blank"
rel="noopener"
>customerservices.cards@hdfebank.com</a
>
</li>
<li dir="ltr">
>Grievance Redressal Official:
 Reach us on phone 04461084900 between 09.30am to 05.30pm
Monday to Friday.
</li>
<li dir="ltr">
>Through SMS:
 For Credit Card services like Checking Your Reward Points,
Converting Eligible Spends to EMI and Reporting Credit Card
Disputes through SMS, please send an SMS to
7308080808.
</li>
</ul>
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There are no pre-defined keywords and you can type your own query to use
this facility. For any sales queries / complaints, please write to
<a href="mailto:salesqueriescards@hdfcbank.com"
>salesqueriescards@hdfcbank.com </a
>or call at 18002583838


>Please refer Most Important Terms & Conditions (MITC) and Card
Member Agreement for further details. 

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HDFC Freedom Kfs 1

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