Visa Value Plus Credit Card

• Reward Points Redemption:
  • Redeem your Reward Points for exciting gifts from our exclusive MyRewards Catalogue
  • You can also accumulate the Reward Points and redeem them at a later date against air miles
  Click here to know how you can redeem your Reward Points from our MyRewards catalogue.
• MyCity Benefit Program:
  The My City benefit program comes with unmatched lifelong features like surcharge waiver across petrol pumps and cashback on utility bill payments.
  
  • Features
    • Petrol Benefit: Enjoy 2.5% surcharge waiver across all petrol pumps for lifetime.
    • Utilities Benefit : Enjoy 1.5% cashback on utility bill payments (Mobile, landline, Insurance, electricity), Visa bill pay and SmartPay payments.
  • How does it Work?
    Simple, just call 24x7 customer service or give your contact details below, we will get in touch with you. After your request is processed we will enable My City benefit program on your card and you can start enjoying the benefits.
  • Fees
    One time Fee of Rs. 198. For existing customers* with either of the benefits the other benefit can be availed at a nominal fee of Rs. 99.
  • My City benefit One time fee(Rs.)
    Petrol: Rs. 99
    Utilities: Rs. 99
  • Points to note:
    • 2.5% surcharge waiver is applicable on transactions between Rs. 400 and Rs. 2500. Reward points are not applicable for such transactions.
    • Customer can earn a maximum cashback of Rs. 500 p.m. on My City Utilities benefit.
    • The My City Benefit program doesn't have a separate credit limit.
    • My City Benefit program is available for Gold, Woman's Gold, Silver and Value Plus card members.
    • Cashback eligible transactions will not accrue Reward Points.
    * Customers who opted for My City Petrol or My City Utility benefit before 1st Jan 2009 can apply now for the other benefit by paying a one- time fee of Rs. 99 only

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• Balance Transfer: You can transfer your outstanding balance on your existing Credit Card to HDFC Bank and start saving immediately.
  
  Click here to know more.
  Click here for Terms and conditions.
• Loan against your Visa Value Plus Credit Card:
  You can also avail a loan against your HDFC Bank Visa Value Plus Credit Card.
  Call our Credit Card helpline to know whether you are eligible.
• Easy EMIs:
  Buy a wide range of products and services with your HDFC Bank Visa Value Plus Credit Card and pay in Easy Monthly Instalments (EMIs).
  HDFC Bank presents the Easy EMI program to make your credit card usage a little more convenient and hassle-free. We have tied up with a number of merchant establishments to bring you this program.
  
  • Features:
    • Pay in Equal Monthly Instalments
    • EMI amount = Transaction Amount / Tenur
    • No documentation required
    • On-the-spot approvals
    • Earn Regular reward points even on EMI transactions
  • How does Easy EMI work:
    First, choose an outlet which is part of the Easy EMI program. Visit the outlet and choose the products or services you wish to buy. At the time of making payment, inform the cashier of your intent of purchasing the product or service on EMI through your HDFC Bank Credit Card.
  • Processing Charges:
    You may be charged a processing fee on the transaction as a one-time charge or/and charge advance EMIs. Please check at the Merchant outlet counter for details.
  • Repayment tenure:
    Please check at Merchant outlet counters for repayment tenure options.
    Click here to view the latest Easy EMI offers
• Net Limit:
  Set aside a part of your credit limit for online spends per statement cycle, within the available limit on your primary Credit Card. Click here to know more.
• Add-On Card:
  You can also get an Add-On Card on your HDFC Bank Visa Value Plus Credit Card. Click here to know more.
• Add-On Sub Limit
  An Add-On Card with a sub limit feature provides enhanced control and security with the ability to track amounts spent on the card. Click here to know more.

Below are some of the Online Credit Card measures you should follow:

NetSafe Introduction: NetSafe is a unique payment solution to make shopping safe and convenient. Create your virtual card online. This will be valid for a single use. Click here to know more.

Verified by Visa (VBV)/ MasterCard SecureCode: Verified by Visa (VBV)/ MasterCard SecureCode is an online payment service that lets you shop online with safety and security using your HDFC Bank Credit Card. Click here to Know more.

IVR 3D Secure: IVR 3D Secure offers you an extra layer of security for your merchant IVRInteractive voice response (IVR) is a technology that allows a computer to interact with humans through the use of voice and keypad inputs. transactions. Now you can shop securely using your HDFC Bank Credit Card with an IVRInteractive voice response (IVR) is a technology that allows a computer to interact with humans through the use of voice and keypad inputs. password. Click here to know more. Click here to Know more.

Phishing Phishing is a way of attempting to get your Credit Card details over the Internet under false pretences in order to make fraudulent transactions with your card. Ensure you are very careful who you give your Credit Card details to. Phishing is when someone, posing as a legitimate company, contacts you and tries to extract your Credit Card details. They can then use your Credit Card details anonymously to make purchases and it will be difficult to catch them. Please be careful and take a look at the do’s and don’ts listed below to protect your card from phishing.

Dos

• Shop online only if you are dealing with a company or brand. One that includes its address and a phone number on the website.
• Research before you buy! Make sure you know what the item costs and you know the return policy, if any; and the retailer's privacy policy.
• Take a screenshot of your order page or save the page as an HTML file rather than printing it out.
• Check your Credit Card statement and view your unbilled transactions frequently to catch fraudulent transactions.
• Keep transaction numbers available in case you need to cross check later.
• Keep your anti-virus up to date and make sure you install updates for browsers, applications and operating system software.
• Safeguard your passwords. Choose strong passwords and a strong MasterCard SecureCode and Verified by Visa code.

Don’ts

• Don’t give information like your date of birth, name, credit card number or security code on websites that look suspicious or websites you don’t trust.
• Don’t conduct transactions on public computers that may have malware on them. Use a trusted computer with anti-virus software installed on it.
• Don't fall for phishing attempts from people trying to get your Credit Card details. Good signs of phishing sites are those with misspellings, poor grammar, URLs that are incorrect, etc.
• Don’t type your Credit Card details unless you see "https" in the URL address bar and a closed padlock somewhere on the screen.
• Beware of offers that are too good to be true, which often end up being scams.

• SmartPay:
  SmartPay is the smartest way to pay your utility bills with your HDFC Bank Visa Value Plus Credit Card. Now give standing instructions on your Visa Value Plus Credit Card and enjoy credit free period and reward points/cash back features as per your card.
  Click here to know more about SmartPay.
• Register&Pay:
  Pay your electricity, telephone, mobile and Insurance Premiums anytime-anywhere. You can view and pay your bills through the Internet at your convenience, while you travel or from the comforts of your home or office.
  Click here to know more about Register&Pay.
• PayNow
  HDFC Bank Credit Card now offers you an instant online payment solution for making your bill payments on HDFC Bank website
  Click here to know more about PayNow.
• Visa Bill Pay:
  With HDFC Bank Visa Bill Pay, say goodbye to the hassles of writing cheques or forms. Now pay your bills online securely with your existing HDFC Visa Value Plus Credit Card
  Click here to know more about Visa Bill Pay

• Have you lost your Value Plus Credit Card or has your Value Plus Credit Card been 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.
• Want to know more about your Monthly statements?

  Your monthly statement is a record of all transactions you've made during a particular month. When you make any transaction, you receive a charge slip or a bill from the Merchant Outlet. Keep these slips and cross check the amounts stated in your monthly statements. In case you find a transaction that doesn't match your records, call us immediately on our 24-hour helpline.

  Understanding the terms used in your monthly statement

  • Card member's name and number
    Your name as it appears on the card along with your 16-digit card number.
  • Statement date
    The date on which the statement was generated.
  • Payment due date
    The date on which your payment is due.
  • Credit limit
    The maximum amount that can be outstanding against your credit card at any point of time.
  • Available credit limit
    The unutilised value of the credit at any point of time after taking into account the balance outstanding billed and unbilled.
  • Available cash limit
    Amount available for cash withdrawal (Subject to Available Credit Limit).
  • Purchases and Debits
    This is the sum total of all retail / cash transactions incurred by you during your statement period. This also includes the fees.
  • Finance Charges
    This is the charge that is applilcable in cash advances and Revolving Credit facility.
  • Payments / Credits
    These are the details of payments made by you and any credits received during the month prior to Statement Date.
  • Transaction details
    All purchases that have taken place in India and abroad are listed in this section. It covers the date on which the transaction took place, brief details on the transaction (including the registered name of the merchant establishment), the city in which the transaction took place, the transaction number and the amount of the transaction. The amount column will also show the currency in which the transaction took place in the case of a transaction done outside India, Nepal or Bhutan. It is recommend
  • Changes to Cardmember Agreement
    The Bank reserves the right to vary any of the Terms & Conditions of the Cardmember Agreement from time to time with due intimation to the customer. Changes to the Terms & Conditions shall be communicated through the Bank's website and by any other acceptable modes of communication.

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• Want to register for statement on E-mail?
  Your can request for email statements through NetBanking - Credit Cards module.
  Alternatively, you can call your nearest customer service center to request for email statements.

HDFC Bank offers hassle- free, faster and convenient options to pay your Credit Card bills!

• 1. NetBanking
  
  a) HDFC Bank NetBanking - HDFC Bank savings/ current account holders can register for NetBanking and transfer the card outstanding amount online. To link your credit card to NetBanking, please login to your HDFC Bank NetBanking account and link using your Credit Card ATM PIN. To register for NetBanking click here.
  
  b) Non-HDFC Bank NetBanking - You can now make your Credit Card payments online from any other bank account, if you do not have an account with HDFC Bank. Click here for more details & FAQs.
• 2. ATM Funds Transfer
  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.
• 3. NEFTThis stands for National Electronic Funds Transfer (NEFT). It is a system that facilitates an individual or company to electronically transfer funds from any bank branch to any individual or company having an account with any other bank branch in the country./ Visa Money Transfer (for other bank account holders)
  You can transfer funds from any other bank account to your HDFC Bank Credit Card account electronically. For further information, click here . Please contact your bank for more details on NEFTThis stands for National Electronic Funds Transfer (NEFT). It is a system that facilitates an individual or company to electronically transfer funds from any bank branch to any individual or company having an account with any other bank branch in the country.. Use IFSC Code HDFC0000128 for card payment through NEFTThis stands for National Electronic Funds Transfer (NEFT). It is a system that facilitates an individual or company to electronically transfer funds from any bank branch to any individual or company having an account with any other bank branch in the country..For details on Visa Money Transfer, click here.

Other Payment Channels

• 4. Autopay
  You can provide standing instructions to debit your HDFC Bank account automatically for 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.
  Click here to download Autopay registration form.
• 5. Over the counter Cash Payment
  Walk into any HDFC Bank branch and make your credit card payment by Cash.

Note: Cash payments at branches/ATMs will be charged cash processing fee of Rs. 50/- per payment w.e.f 01/05/2007.

• 6. Cheque Payment
  You can 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 branches and over ATMs across India. Local cheque payments will be credited to your card account in 3 working days.
  To locate your nearest Branch, click here and for ATM click here

Note: As per RBI circular, with effect from 1st July 2010, No changes / corrections should be carried out on the cheques (other than for date validation purposes, if required). For any change in the payee’s name, courtesy amount (amount in figures) or legal amount (amount in words), etc., fresh cheque forms should be used by customers

Have more questions, check our FAQs Section