HDFC Platinum Plus Credit Card

Attractive Reward Points
The unique Rewards program on the Platinum Plus Credit Card now lets you accumulate 2 reward points per Rs.150 spent.

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.

Lost card liability
In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated to us, you are fully absolved of any liability on those transactions up to Rs. 3.00 lacs.

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.

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.

Note: Complimentary RCI membership & Discount through HRG SITA will not be available wef 1st April '09.

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	Platinum Plus Credit Card
Interest Free Period	Upto 50 days
Minimum Repayment Amount	5% subject to a minimum of Rs 200
Cash Advance Limit	30% of credit limit
Joining Fee	Rs. 1000
Annual Fee	Rs. 3999
Additional Card fee	Free
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Cash Advance Charges	2.5% on amount withdrawn or Rs 300 whichever is higher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 Transaction Charge	NIL
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	Bank Charges Cross currency mark-up of 3.5%
Cash Processing Fees (With effect from 1 May 2007)	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

#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.