HDFC Gold Credit Card

Up to 5% cashback on air/ rail ticketing
5% Cash back on domestic air ticket bookings through domestic airline websites or rail ticket bookings through irctc.co.in if your statement balance for that month is above Rs 35000.

Note: You can earn upto Rs 1000 as cashback in a month. The applicable cashback will be credited to your card account within 60 days from the billing date of these transactions.

Attractive Reward Points
Earn 1 reward point per Rs 150 spent on the Gold Credit Card. The reward points for air and rail transactions earning cashback will be reversed.

Rewards points redemption
After earning all those reward points on your HDFC Bank Gold Credit Card, redeem them for exciting gifts and services! You could even convert them to airline miles with India's leading airlines through the MyRewards programme.

Worldwide acceptance
Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant Establishments in India.

Revolving credit facility
Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 3.25% per month (39.0% annually).

Free Add-on card
You can share these wonderful features with your loved ones too, as the bank offers the facility of an add-on card for your spouse, children or parents. Allow us to offer add-on cards to you FREE OF COST with our compliments.

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).

Lost Card Liability
In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated us, you are fully absolved of any liability on those transactions up to Rs. 2.00 lacs. wef 1st Jan'09

wef 1st Jan'09

	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	Womans Credit Card
Interest Free Period	Upto 50 days
Minimum Repayment Amount	5%, Minimum Rs 200
Cash Advance Limit	10% of credit limit
Joining Fee	Rs. 500
Annual Fee	Rs. 2000
Additional Card fee	Free for Life
Charges On revolving Credit	3.25% P.M., 39.0% Annually - from Transaction date#
Cash Advance Charges	2.5% of amount withdrawn or Rs 300 whichever is higher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.20000.
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 minimum 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	2.5% (subject to a minimum of Rs 10)
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%