HDFC Credit Card

India’s only ‘Platinum Plus’ credit card. A premium offering with fuel surcharge waiver & attractive Reward Points . Features and Benefits Attractive Reward Points Your HDFC Bank Platinum Plus Credit Card is now 100% more rewarding! Earn 2 Reward Points for every Rs.150 for spends up to Rs. 20,000 per statement cycle. For incremental spends above Rs. 20,000 in a statement cycle, earn 100% more Reward Points i.e. 4 Reward Points per Rs. 150. 0% Fuel surcharge You can now fuel up as and when you want, without worrying about the surcharge - enjoy complete freedom from fuel surcharge when you purchase fuel between Rs 400 and Rs 5000 with your Platinum Plus Credit Card. Zero liability on lost card If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card. Interest free credit facility Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant). Revolving Credit Facility You can enjoy the Revolving Credit Facility of the Platinum Plus Credit Card at an interest rate of 3.15% per month. Free Add-on card You can share these wonderful features with your loved ones too. We offer upto 3 life time free add-on cards to your spouse, children (above 18 years of age), parents, brother or sister. Utility bills through your credit card Register your Platinum Plus Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Ensure that all your utility bills are paid on time, without any hassle for you. SCHEDULE OF CHARGES   Description of Charges Platinum Plus Credit Card Interest Free Period Upto 50 days Minimum Repayment Amount 5% subject to a minimum of Rs 200 Cash Advance Limit 40% of credit limit Annual / Renewal Fee Rs. 399 Spend condition for waiver of annual charges 1st year fee waiver condition: Rs. 15,000 retail spends in 1st 3 months from the card setup date. Renewal fee (2nd year onwards) waiver: Rs.50,000 retail spends in 12 months form card renewal date. Additional Card fee NIL Charges On revolving Credit 3.15% P.M., 37.8% Annually - from Transaction date Cash Advance Charges 2.5% on amount withdrawn or Rs 300/- whichever is higher. Petrol Surcharge Waived for transactions between Rs 400-5000 Railway Ticket Purchase Fee Rs 30 + 2.5% of transaction amount Reissue of Lost, Stolen or Damaged Card Rs. 100 Late Payment Charges Late Payment Charges - Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20000. Charges on overlimit account 2.50% of overlimit amount subject to a minimum of Rs 500 Outstation Cheque Processing Charge Rs. 100 Balance Transfer / Balance Transfer on EMI Processing Charges 2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher.( Max. Rs. 600/-) Retrieval Fees ( Chargeslip) Rs. 125 per Chargeslip Foreign Currency Transactions Cross currency mark-up of 3.5% Cash Processing Fees Rs 50 per payment on cash deposits at HDFC Bank branches/ATMs. Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee. Service Tax Applicable on all fees, interest and other charges