| Description of Charges | Applicable charges |
| Interest free credit period | Up to 45 Days |
| Minimum repayment amount | 100% of the Previous Statement Balance |
| Joining fee | NIL |
| Annual fee | NIL |
| Penal charges on non payment | 3.25% p.m. from the transaction date* (*subject to change) |
| Late Payment Charges |
Nil for Credit card bills up to 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.20001. |
| Outstation cheque processing charges | Cheque value upto Rs. 5000 - fee will be Rs. 25 and
for cheque value more than Rs. 5000 - Fee will be Rs. 50 |
| Charges on over-limit amount | 2.5% of the over-limit amount subject to a minimum of Rs 500/- |
| Cash Processing Fee | Rs.50 (For all card payments made by depositing cash in HDFC Bank Branches or ATMs) |
| Payment Return Fee | 2% of payment amount subject to a minimum of Rs.300/- |
| Reissue of Lost, Stolen or Damaged Card | Rs. 100 |
| Retrieval Fees (Charge slip) | Rs. 125 per Charge slip |
| Foreign Currency Transactions | Bank Charges Cross currency mark-up of 3.5% |
| Service Tax | Applicable on all fees, interest and other charges. |
