Features & Benefits
5% cash back on your Monthly household purchases
Get a whopping 5% cash back on all grocery/ supermarket/ Medical store purchases on your woman's gold card if your statement balance for that month is above Rs 20000.
Note : You can earn upto Rs 1000 as cashback in a month. The applicable cashback will be credited to your card account in the subsequent month.
Attractive rewards programme*
Get 1 reward point for every Rs.150 spent and redeem them against airmiles across leading airlines
Wide choice of redemption
MyRewards gives you an array of redemption opportunities for your Points - From microwaves to refrigerators, from Barbie dolls to latest Fashion labels, we take pride in giving you one of the widest options for getting rewarded! You can also redeem your accumulated reward points for air miles on leading airlines like Jet Airways, Air India, Kingfisher Airlines .
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% annually).
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.
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).
Worldwide acceptance
Accepted at over 23 million merchant establishments around the world, including 110,000 merchant establishments in India.
* wef 1st Jan'09
Eligibility Criteria
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. |
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. 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2.5% of amount withdrawn or Rs 300 whichever is higher |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% |