Credit Card NetBanking

RI_WaysToBank_BankOnline_CreditCardsOnlineAccess your HDFC Bank Credit Card account online using NetBanking and view all your account information quickly and easily. Manage your Credit Card transactions, pay your Credit Card bills and track your reward points, which you can redeem for some great offers.

Managing your Credit Card doesn’t get much easier than this!

What are the benefits of Online Credit Card access?

Listed below are the online features you enjoy with your Credit Card:

View :

  • Account Information
  • Unbilled Transactions
  • Credit Card Statements (up to last 6 months)

What does my account information show me?

Your account information shows you:

  • Your total cash and credit limits
  • Your billed and unbilled transactions
  • Your payment due date
  • The reward points you have earned on your card

This helps you monitor your Credit Card transactions and know when your Credit Card bills are due for payment. You can see your reward points and enjoy the benefits they offer.

How to register for Credit Card NetBanking?

Step 1:
Register Now to get online access to your credit card. This service is free of charge. You will have complete privacy when you access your credit card NetBanking.

Step 2:
Login to  NetBanking, go to your Credit Card tab and click register new card, to register your card.

Hotlist your Credit Card NetBanking

When your credit card is lost or stolen, you can block your card and place a request to re-issue the credit card using the Hotlisting facility under the credit card NetBanking page.

On blocking the card, the credit limit on the card becomes zero and there can be no transactions made using the credit card.

How do I block the card?

Can I block the card now and opt for it to be re-issued at a later date?
No, you cannot. You can only either choose Yes or No for re-issue. If you would want the card to be re-issued on a later date, choose No now and call the HDFC Bank Customer Service number and place a request for re-issue of card.

Will I be charged for this?
Yes, you will be charged Rs 100 as a fee for this service.

In how many days will my card be re-issued?
Your credit card will be re-issued within 10-15 working days.

Can I use this Hotlisting service if my card is damaged or destroyed?
No, you will have to call the HDFC Bank Customer Service number and place a request if your card is damaged or destroyed.

Cash on Call / Dial an EMI

Cash on Call - is a facility where you can avail Cash Loan within the eligible credit limit on your credit card

Dial an EMI - is a facility that allows you to convert your credit card purchases into EMI's at attractive Interest rates.

What is Cash on Call?
Cash on Call is a facility where you can avail a Cash Loan within the eligible credit limit on your credit card.

Is this facility available for all customers?
No. This facility is available only for select customers who are eligible as per the bank policy.

How do I apply for Cash on Call facility?
You can apply online from your NetBanking account or call up your PhoneBanking helpline number.

How do I apply online for Cash on Call?

  • Log in into your NetBanking account, click on ‘Credit Card’ tab and choose ‘Cash on Call from the options provided on the left hand side
  • Choose the card and click on ‘Continue’
  • Enter the required loan amount, tenure and confirm.

What are the documents required to avail this facility through the online channel?
No documents are required. It is a completely online process.

What is the maximum loan amount offered?
Loan amount offered is from Rs.10,000 to Rs.3,00,000, subject to available balance on the credit card.

What is the interest rate at which EMI is calculated?
The interest rate varies depending upon the repayment tenure that you choose. Please log in to your NetBanking account for more details.

By when and how will I get the loan credited to my savings account?
The loan amount will get disbursed to your savings account within 48 hours.

Can I get the loan amount disbursed to me in the form of a DD?
Yes. You will have to call PhoneBanking helpline and apply. If you apply Through NetBanking, the loan amount will only be disbursed through direct credit to your savings account.

Are there any fees for this facility?
Yes, one time limited flat processing fee offer (per loan) of Rs 500 plus service tax @ 12.36%, if applied through NetBanking or 2% on the loan amount, subject to a minimum of Rs.500 and maximum of Rs 2000, plus service tax if processed through other channels.

How can I pay back my loan amount?
Loan EMI amount gets billed to the card account on a monthly basis and part of the Minimum Amount Due which is to be paid monthly.

What is ‘Dial an EMI’?
‘Dial an EMI’ is a facility where you can convert your purchases on your credit card into EMIs at attractive interest rates.

What is the maximum EMI tenure?
Tenure options available are from 6 months to a maximum of 36 months. E.g., 6/12/24/36

Can I convert all my purchases into an EMI?
No. The minimum value of purchase needs to be Rs 5000 or above to be eligible for the ‘Dial an EMI’ facility

Can I pre-close the loan within my loan tenure?
Yes the loan can be pre-closed with a pre closing charges of 3% on the outstanding principal at the time of closer.

How do I apply online for Dial an EMI?

  • Log in into your NetBanking account, click on Credit Card tab and choose ‘Dial an EMI’ from the options provided on the left hand side
  • Choose the card and click on ‘Continue’
  • Select the transaction for ‘Dial an EMI’ option and confirm

Is the facility available for all customers?
No. This facility is available only for select customers who are eligible as per the bank policy.

How do I apply for Dial an EMI facility?
You need to apply for this online from your NetBanking account or call up your Phone Banking helpline number

Are there any fees for this facility?
Yes, one time limited flat processing fee offer (per loan) of Rs 250 plus service tax @ 12.36%, if applied through NetBanking or 2% on the loan amount, subject to a minimum of Rs.250 and maximum of Rs 1750, plus service tax if processed through other channels.

By when will the purchases converted into EMI option?
Your purchases will get converted with in 24 hrs post your acceptance and the same would reflect in your immediate billing cycle.

Limit Enhancement & Card Upgrade with Limit Enhancement

Increasing credit limit on the existing HDFC Bank Credit Card is called Limit Enhancement

When the existing credit card is eligible for an increase in credit limit and as a result the customer is entitled for another credit card product, it is termed as Card upgrade with Limit Enhancement.

What is Limit Enhancement?

Increasing the credit limit on an existing HDFC Bank Credit Card is called Limit Enhancement.

How much time would it take for the new limit to reflect on the customer’s credit card?

It happens instantly when he/she places a request.

Can the customer increase credit limit to any figure or what is the upper cap limit?

The upper cap limit is set by HDFC Bank and the credit limit can not be higher than this upper cap limit

Is Limit Enhancement available on Add on Cards?

No, this facility is only available for Primary card.

Will a new card be issued, once the limit enhanced?

No, new card will not be issued

What is Card Upgrade with Limit Enhancement?

When your existing credit card is eligible for an increase in credit limit and as a result you are entitled to another credit card product, it is termed as Card upgrade with Limit Enhancement.

How do I know that I am eligible for Card Upgrade with Limit Enhancement and how do I apply for it?

  • Login into your NetBanking account, click on the ‘Credit Card’ tab and choose ‘Card
    Upgrade with Enhancement’ from the options provided on the left hand side.
  • Choose the card to be upgraded and click ‘Continue’

I get a message that I am not eligible for Card Upgrade. What do I do?

Please call up customer service for details.

When will I receive my upgraded card?

The new upgraded card will reach you in 10 working days to the address registered in our Credit Card records.

Will the upgrade card carry the same card number?

No. On Upgrade, because of change in the product, a new card number is generated. Hence the upgraded card will have a different card number.

I have changed my address and want the card to be delivered to my new address, what do I do?

Please call customer service and correct the address in our records and then apply for the upgrade.

Since the upgraded card will have new card number, should I register afresh with HDFC Bank NetBanking, Verified by Visa/ MasterCard Secure Code for online transactions?

No, your new card will be auto-linked for NetBanking and Verified by Visa/ MasterCard Secure Code.

Will my Standing Instructions get automatically transferred to the new upgraded card?

No, you will have to intimate the change to all service providers.

What will happen to the transactions and payment details of the old card?

All these details are shifted to the new card.

Can we view the old card statements online?

Yes. The last 6 statements can be viewed irrespective of the upgrade.

Will the Auto Pay facility get transferred to the new card automatically?

Yes, the Auto Pay facility will get transferred to the new card automatically.

Will the Reward Points on my existing card get transferred to the new card?

Only a percentage of Reward Points on your existing card will get transferred to the new card on Card Upgrade. Reward Points will be transferred as per the Matrix below

 Superia/Doctor's
Superia
Titanium Edge/
Platinum Edge
RegaliaJet Titanium/Jet Platinum/
Jet World
Diners Black
/Diners
Premium/Diners Rewardz/
Signature/
World/Solitaire/
Platinum Times/Titanium Times
Silver/
Gold/Titanium
21.43% 37.50% 40.00% 4.7 RP = 1 JPMiles 100%
Platinum Plus 40.00% 70.00% 40.00% 2.5 RP = 1 JPMiles 100%
Signature/World 42.86% 75.00% 40.00% 2.3 RP = 1 JPMiles 100%

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