| Description of Charges |
Gold Card |
| Interest Free Period |
Upto 50 days |
| Minimum Repayment Amount |
5%, Minimum Rs 200 |
| Cash Advance Limit |
40% 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2.5% on amount withdrawn or Rs. 300/-, whichever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 |
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 Processing Charges |
Rs. 100 |
| Balance Transfer on EMI processing Charges |
1.5% of BT amount or Rs 150/- 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. 100 |
| Retrieval Fees ( Chargeslip) |
Rs. 125 per Chargeslip |
| Foreign Currency Transactions |
Bank Charges Cross currency mark-up of 3.5% |
