Features & benefits
All-purpose credit card :
The HDFC Bank Silver Credit Card can be used for all your requirements, be it shopping,
eating out, holidaying, fuelling up your vehicle, railway ticket reservations -
just about any financial requirement, planned or on impulse.
Earn while you spend :
With an HDFC card, money spent is money earned. For every Rs. 200 you spend, you
earn 1 reward point. You can redeem these accumulated points for exciting gifts
and offers from our exclusive rewards program.
Add on cards :
Get up to 3 add-on cards for your spouse, parents, siblings (own brother/sister),
son and/or daughter (over 18 years) and allow them to enjoy the many benefits of
the HDFC Bank International Silver Credit Card
Zero liability on lost card :
In case your credit card gets lost, report it immediately to our 24-hour call centre.
After you do this, you carry zero liability on any fraudulent transactions on your
card.
Widely accepted :
Accepted at over 110,000 merchant establishments across India and Nepal and close
to 18 million merchant establishments around the world.
wef 1st Jan'09
Eligibility Criteria
| |
Salaried |
Self Employed |
| Minimum Age |
21 |
21 |
| Maximum Age |
60 |
65 |
| Annual Income (Rs.) |
Rs 200,000/- p.a. |
Rs. 150,000/- p.a. |
Fees & Charges
| 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. 300 |
| Annual Fee |
Rs. 700 |
| 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2.5% of amount withdrawn or Rs 300 whichever is higher |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% |