HDFC Business Credit Card

Higher Credit Limits
Get Up to 10 lacs as credit limit on the card basis the company / business financials.

Spend Based Interest Rates #
Pay lesser rate of interest when you spend more on the Gold Businesscard. The card offers you a unique benefit of spend based interest rates. i.e. The more you spend on the card in a month the less interest you accrue. The interest rates are 3.25% pm for spends upto Rs 10000 in a month and 3.05% for spends above Rs 10,000 on incremental spends.

Petro Surcharge Waiver
Drive the extra mile with the Gold Businesscard. Enjoy full waiver of the fuel surcharge across all fuel pumps.

Earn rewards with your Card*
Enjoy the benefits of our exciting Rewards Programme. You will earn 1 Reward Point for every Rs.200 spent on your Card. By accumulating these, you can redeem them into airmiles, gift cards and host of exciting gifts and offers.

Save on Business spends
Save on your business related spends with our extensive partner tie-ups. Our partner tie-ups are across office and business equipment, services and supplies, Travel services, Telecommunications & Security System and Services with leading brands including Acer Laptops, HP/Canon/Xerox Printers, Honda Power products, Reliance world Blackberry, Tata AIG and many more....

Cash at your fingertips
In a situation where you need cash, just step into any one of our ATMs or MasterCard Member ATMs and withdraw cash upto 10% of your credit limit at a very nominal charge.

Free Credit Period*
Enjoy up to 45 days interest free credit on your purchases.

# wef 1st Sep'08
*Conditions Apply

You are eligible for a HDFC Bank Woman's Credit Card if you are:

	Salaried	Self Employed
Minimum Age	21	21
Maximum Age	60	65
Annual Income (Rs.)	Rs 200,000/- p.a.	Rs. 150,000/- p.a.

Description of Charges	Corporate Card
Interest Free Period	Upto 50 days
Minimum Repayment Amount	5%, Minimum Rs 200
Cash Advance Limit	40% of credit limit
Joining Fee	Nil
Annual Fee	Nil
Additional Card fee	Nil
Charges On revolving Credit	3.25% P.M., 39.0% Annually - from Transaction date #
Cash Advance Charges	2.5% on amount withdrawn or Rs 300 whichever is higher
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.20001.
Charges on overlimit account	2.5% of overlimit amount subject to a minimum of Rs 500
Payment return Charges	2% of payment amount subject to min of Rs 300
Cash processing fee	With effect from 1 May 2007, cash processing fee of Rs 50 per payment is payable 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.
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/-)
Petrol Transaction Charge	0% surcharge
Railway Ticket Purchase Fee	Rs. 30 + 2.5% of transaction amount
Reissue of Lost, Stolen or Damaged Card	Rs. 100
Outstation Cheque Processing Charge	Rs. 100
Retrieval Fees ( Chargeslip)	Rs. 125 per Chargeslip
Foreign Currency Transactions	Bank Charges Cross currency mark-up of 3.5%
Service Tax	Applicable on all Fees, Interest and other charges

#wef 1st Sep'08
Service Tax Applicable on all fees, interest and other charges As per the Finance (No 2) Act 2006, all fees & charges mentioned in the Tarriffs, Charges or Fees Brochures will attract Service Tax @ 12% & Education Cess @ 3% of the service tax amount effective 11th May 2007.