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FAQs |
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If you have any queries that are not answered
here, please call
us or
write
to us.
Please click
here to apply online for credit cards.
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What is a Credit Limit?
The 'Credit limit' is the maximum amount you can spend or borrow using your
Credit Card. This limit is determined by various personal details like your
income, source of income etc. The credit limit is normally raised or lowered
depending on your previous years track record in terms of spending and repayment.
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Does the add-on card have a separate credit limit?
No, the add-on card member shares the same credit limit as assigned to the
primary card member.
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How can I pay my monthly Credit Card bills?
There are many easy ways to pay your monthly Credit Card bill such as : 1-
Through ATMs
HDFC Bank account holders: All you have to do is walk in to any HDFC Bank
ATM in India, at any time and transfer the bill amount from your savings or
current account to your Credit Card account.
2- Through NetBanking
If you are registered for HDFC Bank's Netbanking facility, you can transfer
the card bill amount from your savings or current account to the card account
online.
3- VISA Money Transfer
VISA Credit Cardmembers can transfer funds from any Visa debit card within
India at your own convenience through HDFC Bank's NetBanking facility. For
details, click
here
4- Standing Instructions
If you have an account with HDFC Bank, you can instruct us in writing to automatically
debit your bank account with either the minimum amount due or total amount
due of your monthly outstanding on your Credit Card. Your account with HDFC
Bank should be a sole account or a joint account with an 'any' or 'either'
signing mandate.
5- National Electronic Funds Transfer (NEFT)
Transfer funds from any other bank account to make your card payments.Credit
will reflect within 1 working day.
* Stop writing
cheques now!
* Credit is dependent on NEFT settlement schedule.
For details log on to http://www.rbi.org.in/scripts/FAQView.aspx?Id=60
6- Drop-box option
You can also drop a local cheque, payable to HDFC Bank Card A/c followed by
your 16-digit card number, at any one of our drop boxes located in ATMs and
branches in your city. HDFC Bank has an extensive network of 750 branches
and 1600 ATMs across India.
7- Over the counter
Walk into any HDFC Bank branch and pay by cash.
Please note: Cash payments at branches/ATMs will
be charged cash processing fee of Rs.50/- per payment w.e.f 01/05/2007.
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What should I do if I don't recognize a transaction
on my statement?
Report this instantly by:
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Calling our 24-hour Customer
Call Center OR |
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By filling up the Cardholder
Dispute form. Click
here with the required details and send it to us at
HDFC BANK - Credit Cards Division,
P.O. Box:8654, Thiruvanmiyur P.O.,
Chennai 600 041 |
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What should I do if I lose my card or it is stolen?
If you happen to lose your Card, report it immediately to our 24-hour call
centre. After reporting the loss, you carry zero liability on any fraudulent
transactions on your card.
This will help us to immediately block all transactions on your card and initiate
the process to deliver a new card to you within the next 3 business days.
Any fraudulent transactions after reporting the loss will be borne by us.
If you happen to recover the card after having reported it lost, please do
not use it. Cut it into 4 pieces, cut it especially through the magnetic strip
at least once, and return it to us.
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| Apply Now |
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Just
fill the Online
Credit Card Application Form and our representative will
get in touch with you shortly.
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