Features & Benefits
Value Plus Cashback- Anytime Anywhere
Use your Value Plus Credit Card anywhere anytime during the year and avail up to
5% cashback on retail spends.
Category Cashback
Railway, Hospitals, Medical stores 5%
Grocery, Dept Stores, Supermarket, Restaurants 1.50%
The cashback will be credited to your card account in subsequent statement subject
to the condition that the total amount due in the current statement is Rs 10000
or above. The change is effective from 15th Jan 2009.
Worldwide acceptance
The HDFC Bank International Value Plus Credit Card is accepted at over 23 million
Merchant Establishments around the world, including 110,000 Merchant Establishments
in India.
Cash Advance
Just step into any one of our ATMs or VISA Member ATMs and withdraw cash up to 10%
of your credit limit at a very nominal charge (Please refer to the Schedule of charges).
card.
Revolving credit facility
This feature allows you to 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
for you. You can then carry forward the balance to a better financial month, for
which you pay a charge of 3.25% per month.
Interest Free Credit Period
Your Card now gets an Interest Free Credit Period of up to 50 days from the date
of purchase (subject to the submission of the charge by the Merchant). Subsequently,
if you carry forward your outstanding balance you just pay a nominal interest of
3.25% per month.
Lost Card Liability
If you happen to lose your Card, don't panic. The first thing to do is Call us at
any of our 24-Hour Customer Call Centers and report the loss. Please make sure that
you file a Lost report for the Lost/Stolen Card at the nearest police station and
send us the acknowledgement copy.
Note : You can earn maximum of Rs. 500/- cashback in a month. The changes are
applicable wef 15th Jan 2009.
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2.5% of amount withdrawn or Rs 300 whichever is higher |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% |