| Description of Charges |
Gold Card |
| Interest Free Period |
Upto 50 days |
| Minimum Repayment Amount |
5%, Minimum Rs 200 |
| Cash Advance Limit |
30% of credit limit for the 1st year & 40% of
the credit limit from 2nd year onwards |
Annual/ Renewal Fee
|
Rs. 199 |
Spend condition for waiver of annual charges
|
1st year fee waiver condition: Rs.
5,000 retail spends in 1st 3 months from the card setup date. Renewal
fee (2nd year onwards) waiver condition: Rs.15,000 retail spends
in 12 months from card renewal date. |
| Additional Card fee |
Life time free |
| Charges On revolving Credit |
3.25% P.M., 39.0% Annually - from Transaction date# |
| Cash Advance Charges |
2.5% on amount withdrawn or Rs. 300/-, whichever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 |
Rs 50 (for all card payments made by depositing in
HDFC Bank branches or ATMs) |
| Balance Transfer / Balance Transfer on EMI Processing
Charges |
3% of BT on EMI Amount or Rs. 250 whichever is higher |
| 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. 50 per instrument |
| Retrieval Fees ( Chargeslip) |
Rs. 125 per Chargeslip |
| Foreign Currency Transactions |
Bank Charges Cross currency mark-up of 3.5% |
| Service Tax |
Applicable on all fees, interest and other charges |
