Frequently Asked Questions (FAQs)

Frequently Asked Questions (FAQs)

Most Common Questions

How do I change my password?

After you have logged in, you can change your password using the "Change password" option in the top part of the screen. You have to type your current password and the new password you have chosen in their respective boxes.

When will I receive my changed ATM PIN?

You will receive your new ATM PIN by post within 10 days from when your request has been submitted.

Can I get my newly generated PIN online?

No, for security reasons we send you your ATM PIN only by post.

How can I register for Autopay?

To register for Autopay:

Step 1: Click on the "Autopay register" link on the left side margin.

 

Step 2: Select the Credit Card number that you want to register for the Autopay facility and your HDFC Bank account number from which you want your Credit Card payments to be made.

 

Step 3: If you want the full amount of your statement to be paid from your bank account select the "Total amount due" link, and if you want only the minimum amount due (5% of total amount) to be paid, select "Minimum Amount Due".

 

Step 4: Click on "Continue" and then on "Confirm".

 

A message will be displayed on the screen confirming the successful registration of your Credit Card for Autopay. Please note that it takes 7 days to activate the Autopay facility for your Credit Card account. If your payment due date is 7 days, or less, away from the date of registration for Autopay kindly pay your monthly bill through your usual payment mode as Autopay will only be effective from the next billing cycle.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. 


At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

PAY
PAY

Cards, Bill Payment, Money Transfer, Recharge...

Money Transfer
Money Transfer
National Electronic Funds Transfer

What information is required to use the e-monies NEFT service?

To use this service, you should provide the beneficiary details (name and account number), and the name and IFSC of the beneficiary bank branch.

If the money is not credited to the beneficiary’s account while using the e-monies NEFT service, will I get it back?

Your funds will be returned to your account if they are not credited.

Can I use e-Monies NEFT for foreign remittances?

This is a service designed only for remitting Indian Rupees within India.

What is IFSC? How is it different from the MICR code?

IFSC stands for ‘Indian Financial System Code’. It is an 11 digit, alpha numeric code designed to identify bank branches in India. The MICR code uses 9 digits to identify bank branches.

What are the charges for the e-monies National Electronic Funds Transfer service?

NEFT transactions on NetBanking are charged as below:

Upto Rs 1,00,000: Rs 2 + Applicable GST

Above Rs 1,00,000: Rs 10 + Applicable GST

How does the e-monies NEFT service differ from RGTS and EFT?

E-Monies NEFT is an electronic payment system, used to transfer funds to any part of India. It works on ‘net settlement’, unlike RTGS that works on ‘gross settlement’, and EFT which is restricted to only 15 centres.

Is the e-Monies NEFT system better than the existing RBI-EFT system?​​​​​​​

E-Monies NEFT has no restrictions, because it’s based on a centralized network. That’s not the case for the RBI-EFT system, which is confined to just 15 centres.

RTGS funds transfer

How do I check the IFSC of the receiving branch?

Just ask your beneficiary to get the IFSC from his or her branch. They can also find it in their cheque book - the IFSC is in the cheque leaf.

What information do I need to provide when using the RTGS funds transfer service?

When using RTGS Funds Transfers, there are a few essential details to provide:

  • Amount to be remitted
  • Account number from where the funds will be debited
  • Name of the beneficiary bank, and the name of the beneficiary customer
  • Account number of the beneficiary customer
  • Sender to receiver information, if there is one
  • The IFSC code of the receiving branch

If the money is not credited successfully, will the remitting customer get the funds back?

With RTGS, the receiving bank should credit the account of the beneficiary instantly. If for some reason the money cannot be credited, the receiving bank has to return the money to the remitting bank within 1 hour. As soon as the money is returned, the original debit entry in the customer's account is reversed.

How long does it take for funds to be transferred from one account to another?

Real-time means that beneficiary branches are expected to receive the funds as soon as they are transferred by the remitting bank. The beneficiary bank must credit the beneficiary's account within 30 minutes of receiving the funds transfer message.

Are there minimum or maximum limits for RTGS transfers?

The RTGS system has been designed for large value transactions.

The minimum amount to be remitted through RTGS is Rs. 2 Lakhs. There is no upper ceiling for RTGS transactions.

The only change to this is RTGS transactions done through NetBanking, when the maximum amount of funds that can be transferred per Customer ID per day is Rs. 10 Lakhs.

How is RTGS different from National Electronic Funds Transfer (NEFT)?

NEFT is an electronic fund transfer system that operates on a deferred net settlement (DNS) basis, which settles transactions in batches.

In DNS, the settlement takes place at a definite time and all transactions are held up till that instant. Any transaction initiated after a designated settlement time will have to wait till the next designated settlement time. RTGS is different because transactions are processed continuously.

What is RTGS Funds Transfer?

'RTGS' stands for 'Real Time Gross Settlement'. The RTGS system is a funds transfer mechanism where transfer of money takes place from one bank to another on a 'real time' and on a 'gross' basis. This is the fastest possible money transfer system through banking channels.

'Real time' means no waiting period; transactions are settled as soon as they are processed. 'Gross settlement' means the transaction is finalized on its own, without it being bunched with any other transaction.

What are the charges for the RTGS funds transfer service?

Effective 15 November, 2010; RTGS transactions on NetBanking are charged as below :

  • Rs. 2 lac to Rs. 5 lac - Rs. 25 (inclusive of taxes) per transaction
  • Above Rs. 5 lac - Rs. 50 (inclusive of taxes) per transaction

Note: RTGS transfers can be done for amounts exceeding Rs. 2,00,000 only whereas for NEFT there are no such amount restrictions.

Cards
Cards
Credit Cards
All Credit Cards
  1. What is a Cardholder Dispute Form? Why is the customer required to fill the dispute form (CDF)?

Cardholder dispute form is an application made to the issuing bank to investigate & resolve the alleged dispute on the card by virtue of duplicate or multiple billing/ timeout or cancelled transactions/ standing instructions or subscriptions/higher or lower cash withdrawal/unauthorized transaction in any mode of payment etc. A duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction enables / authorizes the issuing bank to investigate with the respective Merchant /Member Bank.

Please click on link below to view the cardholder dispute form. http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

  1. What is the time frame to report Credit card transaction dispute?

Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

  1. How do I report a transaction dispute incurred using my credit card?

You can raise a transaction dispute online by visiting https://apply.hdfcbank.com/digital/onlinedispute#odrlogin

Alternatively, you may download and fill the cardholder dispute form & send the duly filled signed copy to the mentioned address at the top left on the form.

http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

For immediate assistance, please call our 24 Hours Phone-banking customer care to report the loss of the card and block the same.

Note:

  1. Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

  2. Credit with Hold funds will not be given for all disputes arising due to misuse & fraudulent usage on cards being reported as stolen or list.

  3. For internet/E-commerce transactions, please contact the online merchant first & attempt to resolve the dispute.


  1. What is an Add-on Credit Card? What are the benefits of an add-on Credit card?

Add-on credit card(s) is/are the additional credit card(s) issued under a primary credit card, which acts as supplementary cards with same card benefits, issued for family members like spouse, parents or children above 18 years of age.

Benefits of Add-on credit card are -

  1. Add-on credit cards are most suitable for family members like spouse, parents or children above 18 years of age, giving financial independence without the need to have a separate credit card account and repayment liability.

  2. Add-on credit card holders get to enjoy the same usage/reward-points/cashback benefits as primary holders, however certain card management control functions are restricted only for the primary cardholder's use.


  1. How do I get my add-on Card issued?

For applying, click on the below link to download the add-on card application form -http://www.hdfcbank.com/assets/pdf/add_on_card_application.pdf

Please complete the form and send it to HDFC Bank Cards Division with supporting document(s) mentioned in the form.

You can forward the letter to below address -

Manager, HDFC Bank Cards Division,

PO BOX # 8654

Thiruvanmiyur PO

Chennai - 600 041

  1. I do not want statements to be sent to my mailing address. How do I stop the same?

To stop physical card statements to your mailing address - please download the physical statement suppression MID (Most Important Document) from HDFC Bank Form centre and send the duly signed form to our correspondence address. Please complete the form and send it to HDFC Bank Cards Division with supporting document(s) mentioned in the form.

You can forward the letter to below address -

Manager, HDFC Bank Cards Division,

PO BOX # 8654

Thiruvanmiyur PO

Chennai - 600 041

  1. How do I register for e-statement facility?

To register for e-statement facility on your registered e-mail, you have to do the below steps -

Through Net Banking

  1. Login to Netbanking

  2. Click on the "Statement on E-mail" link on the left side margin.

  3. Select "Office" or "Residence" as your correspondence address.

  4. Accordingly, your office or residence Email ID will be displayed in the next input box.

  5. Click on "Continue" and "Confirm".

A message will appear confirming your request for statement on E-mail. Please note down the reference number which appears above the confirmation message as it will be useful for any further communication with us. 

Through Phone Banking

We request you to contact our Phone Banking officers at any of our 24-hours Phone Banking numbers mentioned in the below. Visit - http://www.hdfcbank.com/personal/find-your-nearest/find-phone-banking

  1. I have applied for a Credit Card. How would I know the status of my card application?

To check the status of your credit card application, visit - https://leads.hdfcbank.com/applications/webforms/apply/cc_track_revamp/index.aspx

You are required to input the 16-digits Application reference number and Mobile number or Date of Birth (DDMMYYYY)

  1. I have not received my Credit Card at my mailing address. How do I track the same?

In normal circumstances, a newly credit card is delivered within 21 working days of submitting your application.

If you have registered your mobile number with us, you will receive timely alerts informing you about the status and details of the dispatch of your Credit Card. 

If you have received the alert on Airway Bill number (courier reference) on your mobile number provided in Credit card application form. You can track the status of the shipment using the Airway Bill number by visiting the courier websites.

  1. Where do I find my Credit Card Bill or billed statement(s) for previous months?

Credit Card Billed statement can be accessed from the below modes -

MyCards - Login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to your registered email-ID shortly.

Netbanking - Log in to HDFC Bank Netbanking. Go to the Credit card under Cards Tab. Select the Enquire transactions and click on View statement. Select the card no. and the month-year of the billed statement. Click on View or Download to access it.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Download Billed Statement'. Select the billing month-year and Click on Download to access it.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered email ID after verifying the mobile no. and last 4-digits of your credit card.

  1. How do I read my Credit Card Billed statement?

Your Credit Card Billed statement is divided mainly into four parts -

  1. Card Information, such as - Statement Date, Credit Card number, Total & available Credit Limit, Payment due date, Total & Minimum amount due etc.

  2. Account Summary & Past dues -Opening Balance, Payment/Credits for the period, Purchase/Debits for the period, Financial charges (if any) and total dues for the period.

  3. Transactions for the period - contains the date-wise detailed itinerary of your purchases, payments, fees and interest charges, if any. All your domestic and international transactions are listed here separately.

  4. Reward point summary - contains earned, lapsed & balance reward points, reward points expiring in next 30 or 60 days.

You also receive details on the latest offers on your Card.

  1. How do I understand the transaction details incurred on my credit card? Where do I get the details of the transactions incurred on my credit card?

Your Credit Card transaction details can be accessed through the below route -

  1. For current month transactions - Click on Transactions tab under MyCards or go to Unbilled transactions under Credit card section of Netbanking or Mobile banking.

  2. For previous months - All the debit or credit transaction log are present in the credit card bill statement of previous months for that respective billing period.

Credit Card Billed statement can be accessed from the below modes -

MyCards - Login to https://mycards.hdfcbank.com using your registered mobile number and last 4-digits of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to your registered email-ID shortly.

Netbanking - Log in to HDFC Bank Netbanking. Go to the Credit card under Cards Tab. Select the Enquire transactions and click on View statement. Select the card no. and the month-year of the billed statement. Click on View or ‘Download’ to access it.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Download Billed Statement'. Select the billing month-year and Click on ‘Download’ to access it.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered email ID after verifying the mobile no. and last 4-digits of your credit card.

  1. I want to enhance the limit on my card. What should I do?

Limit assigned on your card is reviewed periodically based on usage and payment pattern on the card account. Please call our phone banking officers to know if your card account is currently eligible for limit enhancement.

In case there is no limit enhancement eligibility on the card account, we request you to send a duly signed letter along with the documents as given below:

Salaried - Attested copy of the latest payslip which is not beyond 45 days old and copy of the visiting card or Office Id card.

Self Employed - Attested copy of the latest ITR (Income Tax Return) and copy of the Pan card along with Computation of Income (this is a part of the ITR which the card holder submits, which lists out the individual breakup of the total income i.e. Income from House Property, Income from business etc.)

You may use our drop boxes placed for your convenience at our Branch-ATMs. Alternatively, you can mail your income documents to the address mentioned below. 

HDFC Bank Cards Division,

PO BOX # 8654

Thiruvanmiyur PO

Chennai - 600 041.

Note: All income / supporting documents as mentioned above will need to be self-attested (duly signed by you) on the document along with a signed letter.

14. What are the various charge / fee applicable on the credit card account?

Charges and fees would be levied on card account on various scenarios. Refer to the Most Information Terms and Conditions (MITC) document available at the below web-address https://www.hdfcbank.com/personal/pay/cards/credit-cards/personal-mitc

  1. What is the membership fee (if applicable) for my Credit Card account?

HDFC Bank offers various types of Credit Cards and each credit card will have a membership fee. Click on the below link to check the applicable membership / renewal fee applicable for your card account. https://www.hdfcbank.com/personal/pay/cards/credit-cards

  1. When is late payment charge levied?

Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date, Clear funds need to be credited to HDFC Bank Card account on or before the payment due date, to avoid Late Payment charges.

Late payment charges are applicable as:

  1. How can I access all the services related to Credit Card online?

For accessing Credit Card services online, simply visit MyCards at https://mycards.hdfcbank.com Login using your registered mobile number and last 4-digits of Credit Card. MyCards is seamlessly accessible for both HDFC Bank account holders and Non-account holders.

Alternatively, if you are an existing HDFC Bank account holder and have already registered for Net-Banking then you can easily register for the Online Credit Card service using below steps -

  1. Login into Net-Banking with your Customer ID and password

  2. Once inside Net-Banking, click on "Credit Cards" Tab

  3. Click on the "Register New Card" link on the left hand side.

  4. Enter your Credit Card number, expiry date, credit card ATM PIN and click on "Submit".

You only have to register for this service once. After that you will be able to enjoy easy access to your Credit Card account and all its benefits through your existing HDFC Bank account customer ID and IPIN. 

If you are an HDFC Bank Account Holder and have not registered for Net-Banking, you first need to register to Net-Banking service. You can get an application form at any HDFC Bank branch or from our website.

Once you fill in and submit the form we will send you an IPIN (Net-Banking password) to register for Net-Banking. 


  1. How to block your credit card permanently?

In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block (hotlist) your card and ask for a card issuance through the following method -

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on Block Card tab available under Credit Card services. On confirming, your credit card will be blocked permanently. You can also apply for the re-issue of the new card at the same time from the options available.

Net-Banking - Login to Net-banking. Click on Request Tab on the Credit cards section (left side). Select Credit card hot-listing. Select the card and the reason for hot-listing from a dropdown menu. Click on 'Continue' and confirm to hotlist the card.

You can also apply for a card re-issue at the same time from another optional dropdown.

Phone banking - We request you to contact our Phone Banking officers at any of our 24-hours Phone Banking numbers mentioned in the below. They will facilitate you to block your card permanently by verifying your last 4-digit of card no. and mobile no. combination.

Mobile Banking - Login to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Block Card'. Select the reason for hot-listing and re-issue [Y/N] as per the requirement and click on 'Continue' to confirm the card hot-listing.


  1. What to do if my HDFC Bank Credit card is lost or stolen or damaged and there is a fear of fraudulent transactions on the card?

In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block (hotlist) your card and ask for a card issuance through the following method -

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on Block Card tab available under Credit Card services. On confirming, your credit card will be blocked permanently. You can also apply for the re-issue of the new card at the same time from the options available.

Net-Banking - Login to Net-banking. Click on Request Tab on the Credit cards section (left side). Select Credit card hot-listing. Select the card and the reason for hot-listing from a dropdown menu. Click on 'Continue' and confirm to hotlist the card.

You can also apply for a card re-issue at the same time from another optional dropdown.

Phone banking - We request you to contact our Phone Banking officers at any of our 24-hours Phone Banking numbers mentioned in the below. They will facilitate you to block your card permanently by verifying your last 4-digit of card no. and mobile no. combination.

Mobile Banking - Login to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Block Card'. Select the reason for hot-listing and re-issue [Y/N] as per the requirement and click on 'Continue' to confirm the card hot-listing.


  1. I want to convert my purchases to EMI. What should I do?

Conversion of purchases to EMI is eligible on selected merchants, spend amount and type of purchase on your credit card.

For already-made purchases (Convert to Smart EMI) -

    1. Check the unbilled transactions log on your Net-banking (Credit Cards Tab).

    2. The eligible purchases will have a check-box against it. Select any one/multiple for converting it/them to an EMI

    3. Proceed to select the EMI duration and interest rate & confirm with a One-time-password (OTP)

    4. Your selected purchase(s) will be converted into an EMI with an applicable processing rate & reflect in your account shortly.

Before making the purchase (Convert to Easy EMI) -

Please call our phone banking numbers to know if your card account is currently eligible for the same. Also, please check with the merchant outlet/store/online platform (offers/rates/EMI options) to check whether your card will be eligible for Easy EMI option. Hence we request you to check with the merchant before processing the transaction.


  1. What are the other options for HDFC Bank Credit Card Bill payment? How do I pay my Credit Card Bill?

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 a cash processing fee of Rs. 100/- per payment.

PAN # is mandatory for cash payment more than Rs.49999/-

Cheque Payment - You can deposit a local Cheque, having made it payable to the HDFC BANK Card A/c (you should mention your Credit Card number) at any of our drop boxes located at ATMs and branches in your city. HDFC Bank has an extensive network of 3000+ branches and over 11000+ ATMs across India. Local Cheque payments will be credited to your Card Account in 3 working days. 

Note: As per RBI circular, with effect from 1st July 2010, no changes/corrections should be carried out on Cheque (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 leaves should be used by customers.

Refer the below link for detailed payment process 

http://www.hdfcbank.com/personal/making-payments/pay-credit-card-bills/hdfc-bank-account


  1. How can I update / change my email ID on my credit card account?

You can change / update the Email ID on your credit card account by downloading the 'Change of Address, Mobile Number & Email ID's' MID from the link mentioned below

http://www.hdfcbank.com/assets/pdf/change_address_contact_details_email_id.pdf

Fill in the details and send the form to the below address -

HDFC Bank Cards Division 

PO BOX # 8654 

Thiruvanmiyur P.O. 

Chennai 600 041


  1. How can I update / change my mobile number on my credit card account?

You can change / update the Mobile number on your credit card account by downloading the 'Change of Address, Mobile Number & Email ID's' MID from the link mentioned below

http://www.hdfcbank.com/assets/pdf/change_address_contact_details_email_id.pdf

Please fill in the details and send the form to the below address -

HDFC Bank Cards Division 

PO BOX # 8654 

Thiruvanmiyur P.O. 

Chennai 600 041


  1. How can I change the Name embossed on my Credit Card?

Scenario A

If it is a correction in spelling of the name, you need to provide duly signed letter (with Card No) & enclose one of the following documents to carry out the name change:

  1. School leaving certificate

  2. Copy of your Passport

  3. Ration Card

  4. Copy of your driving license

Scenario B

If you have legally changed your name, please provide us duly signed request letter with "Gazette Order" confirming the name change. 

To include your spouse's name with your name after marriage, kindly provide us with your 'Marriage Certificate'. Upon receipt of any one of the above-mentioned documents, your name change will be effected and a new Card will be issued. You shall send the request letter along with the supporting documents to the below address 

HDFC Bank Cards Division 

PO BOX # 8654 

Thiruvanmiyur P.O. 

Chennai 600 041


  1. What is Auto-pay on Credit Card? How do I set-up auto-pay on my credit card account?

The Autopay is a facility available to HDFC Bank account holders. It takes care of your Credit Card bill payments. If you register for the Autopay facility, your outstanding Credit Card statement amount will be automatically debited from your HDFC Bank account on your payment due date every month and the payment will be credited in your Credit Card account on the following day. Auto-pay can be enabled for either the total overdue amount or the minimum amount due for a particular billing period.

Auto-pay can be set up in both online and offline mode on your credit card account -

Netbanking - Log in to HDFC Bank Netbanking. Under Credit cards section, select the 'Request' Menu. Click on Autopay Register. Now select the credit card and the account, which is to be debited from. Select the payment type - a) Total Amount Due, b) Minimum Amount due. Select the Savings Account and proceed to enable Autopay on your account.

Mobile Banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to Auto-pay Status. By default, it would be disabled, if not set-up during card application. Click on Enable, select the payment type - a) Total Amount Due, b) Minimum Amount Due. Select the Savings Account and proceed to enable Auto-pay on your account.

Offline mode - Please download the Auto pay registration form which can be used to set Auto-pay - http://www.hdfcbank.com/assets/pdf/auto_debit_instruction_HDFC_Bank_cc.pdf

On downloading the form, kindly fill up the same and forward it to the below mentioned address: 

HDFC Bank Cards Division 

PO BOX # 8654 

Thiruvanmiyur P.O. 

Chennai 600 041


  1. How do I modify my auto pay instruction from Total amount due to Minimum amount due or vice versa?

Auto-pay instructions can be modified through both online and offline mode on your credit card account -

Netbanking - Log in to HDFC Bank Netbanking. Under Credit cards section, select the 'Request' Menu. Click on Autopay Register. Now select the credit card and the account, which is to be debited from. Select the alternate payment option - a) Total Amount Due, b) Minimum Amount due. Select the Savings Account and proceed to modify Auto-pay instructions.

Mobile Banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to Auto-pay Status. Click on Change/Modify. Select the alternate payment option - a) Total Amount Due, b) Minimum Amount Due. Select the Savings Account and proceed to modify Auto-pay instrictions.

Offline mode - Please download the Auto pay registration form which can be used to change/modify your standing instruction - http://www.hdfcbank.com/assets/pdf/auto_debit_instruction_HDFC_Bank_cc.pdf

On downloading the form, kindly fill up the same and forward it to the below mentioned address: 

HDFC Bank Cards Division 

PO BOX # 8654 

Thiruvanmiyur P.O. 

Chennai 600 041


  1. How do I cancel my auto pay instruction on my Credit Card?

Auto-pay instructions can be modified through both online and offline mode on your credit card account -

Netbanking - Log in to HDFC Bank Netbanking. Under Credit cards section, select the 'Request' Menu. Click on Autopay De-Register. Now select the credit card and it will show the current Auto-pay mode. Click on 'Continue' to cancel the Auto-pay.

Mobile Banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to Auto-pay Status. Click on Change/Modify. Click on the Auto-pay toggle (to the left) to cancel the auto-pay instuctions. Click on 'Continue' to cancel the Auto-pay.

Offline mode - We request you to send across a duly signed letter for cancellation of the auto debit facility incorporated on your card account. The letter may be sent to the following address: 

HDFC Bank Cards Division 

PO BOX # 8654 

Thiruvanmiyur P.O. 

Chennai 600 041


  1. The magnetic strip on my card is damaged. How do I get my card replaced?

We suggest you to download the application form for reissue/replacement of your card. The application form is available under on our website under Forms Centre. Kindly complete the same and forward the application form to the below mailing address:

HDFC Bank Cards Division 

PO BOX # 8654 

Thiruvanmiyur P.O. 

Chennai 600 041


  1. How can I register for Online Credit Card service via Netbanking?

If you are an existing HDFC Bank account holder and have already registered for Net-Banking, you can easily register for the Online Credit Card service as well.

  1. Login into Netbanking with your Customer ID and password

  2. Once inside Net-Banking, click on "Credit Cards" Tab

  3. Click on the "Register New Card" link on the left hand side.

  4. Enter your Credit Card number, expiry date and ATM PIN and click on "Submit".

You only have to register for this service once. After that you will be able to enjoy easy access to your Credit Card account and all its benefits through your existing HDFC Bank account customer ID and IPIN.

If you are an HDFC Bank Account Holder and have not registered for Net-Banking, you first need to register to Net-Banking service. You can get an application form at any HDFC Bank branch or from our website.

Once you fill in and submit the form we will send you an IPIN (Net-Banking password) to register for Net-Banking. 


  1. Can anyone use the Credit Cards services on MyCards?

Yes, if you have a valid HDFC Bank Credit Card, you can use MyCards by simply visiting https://mycards.hdfcbank.com. To Login, you have to add the last 4-digits of your Credit Card as a one-time validation. Once validated, you can access a range of enquiry services, manage your card, limits and check others details like balance, e-statement, loan EMI, overdue etc.


  1. Can anyone use the Credit Cards Net-Banking service?

Yes, if you have a valid HDFC Bank Credit Card and you have registered for Net-Banking then you can use the Credit Card Net-Banking service. Please ensure your card account is active and in regular status to use this service.


  1. What is HDFC Bank Netbanking and what credit card services can be availed using HDFC Bank Netbanking?

HDFC Bank Netbanking Platform is the in-house digital platform of the bank intended to provide onboarding, services, cross-sell and offer management across all the major liability and Asset products issued/handled by the bank for its internal customer.

With respect to Credit Cards, you can do the following services through Net-Banking -

Enquiry -

  1. View your account information

  2. View your unbilled transactions

  3. View your Credit Card Statements (up to 6 months)


Request -

  1. Statement on Email

  2. Credit Card ATM PIN

  3. Duplicate statement

  4. Credit Card Loan Details

  5. Credit Card Limit Enhancement(LE) (Only for HDFC Bank account holders)

  6. Card Upgrade with LE (Only for HDFC Bank account holders)

  7. Convert high valued bills to an EMI

  8. Cash on Call (Only for HDFC Bank account holders)

  9. Credit Card Hot-listing


Payments

  1. Credit Card Payments (Only for HDFC Bank account holders)

  2. Autopay Register (Only for HDFC Bank account holders)

  3. Autopay De-register (Only for HDFC Bank account holders)

  4. Register New Card

  5. De-register Card

  6. Redeem Reward Points


  1. What information can I view under account information with the Online Credit Card facility?

Under your account information you can view the following information about Credit Card

    1. Statement Date,

    2. Credit Card number (masked)

    3. Total Credit Limit

    4. Available Credit Limit

    5. Payment due date

    6. Total Amount due

    7. Minimum amount due

    8. Total Cash Limit

    9. Available Cash Limit


  1. How can I view my monthly card statement or Credit Card Billed statement?

Credit Card Billed statement can be accessed from the below modes -

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to your registered email-ID shortly.

Netbanking - Log in to HDFC Bank Netbanking. Go to the Credit card under Cards Tab. Select the Enquire transactions and click on View statement. Select the card no. and the month-year of the billed statement. Click on View or ‘Download’ to access it.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Download Billed Statement'. Select the billing month-year and Click on ‘Download’ to access it.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered email ID after verifying the mobile no. and last 4-digits of your credit card.


  1. How can I see details of transactions made on my card after my last statement date?

Transactions made on the credit card after the last credit-card bill generation - is known as Unbilled transactions. To view the unbilled transactions, use any of the following platforms -

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on Transactions under Credit Card services. Your will see all the unbilled transactions on your Credit Card account including any debit or credit since the last credit-card bill generation.

Netbanking - Log in to HDFC Bank Netbanking. Go to the Credit card under Cards Tab. Select the Enquire transactions and click on the "View Unbilled Transactions" link on the left side margin. Select your Credit Card number and the type of transactions (Debit/Credit) you want to see. Click on the "View" link.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'View Unbilled statement'.


  1. What are the other Charges that would be applicable?

Click on the below link to know about various charges applicable on the card -http://www.hdfcbank.com/assets/pdf/cc_common_MITC.pdf


  1. What is the additional charge you are levying on my international transactions?

International transactions are converted into Indian Rupees using the exchange rate established by the VISA / Master International for such transaction on the date when the charges are processed by the member bank, plus any applicable conversion charges. 

These rates are determined by VISA / Master for such interbank/inter country settlement and the same would apply in addition to the bank markup rates for transactions on the credit card for international transactions.

The Cross Currency Markup' @ 3 .5% on the transaction amount is currently charged for international transactions and the same has been mentioned on the schedule of charges' in the card statement. As part of a regulatory compliance, the markup charges similar to all other Fees & Charges will also be levied with Taxes @ 18%

In case if there are multiple foreign currency transactions posted during the month, then markup amounts across the multiple transactions would be cumulated and Taxes @ 18% 

In case of transactions in other foreign currencies, the transactions are converted to a globally accepted currency value (USD) and then to Indian rupees, which may result in a net difference in the charge amount, when compared to the rate arrived at using regular RBI rate.


  1. How to generate Green PIN (OTP)/ duplicate PIN?

Net-Banking

Log in to Net-Banking and click on credit card tab -

  1. Click on the "Request"

  2. Select your Credit Card ATM PIN option on the left hand side Menu

  3. Select your Credit Card number from the drop down box and click on the "Continue" link

  4. Please check if the registered mobile number is correct and click on the “Confirm” tab

A message will appear on the screen confirming the successful submission of your Green PIN (OTP) request for ATM PIN generation/change. The Credit Card Green PIN (OTP) for ATM PIN generation will be sent to the registered mobile number.

Phone Banking

Contact Credit Card Phone-Banking. The Credit Card Green PIN (OTP) for ATM PIN generation will be sent to the registered mobile number.

  1. How do I generate Credit Card ATM PIN using Green PIN (One Time Password) received on registered mobile number?

Please visit any HDFC Bank ATM along with your Credit Card to verify Green PIN (OTP) and follow below mentioned steps to generate your own PIN:

  1. Insert your card in the ATM machine and the language selection screen, select “Create new ATM PIN using OTP” option

  2. At the prompt, enter the “OTP” sent on your registered mobile number.

  3. Now, enter the 10-digit registered mobile number (without adding 0)

  4. Create a new Credit cards PIN of your choice on your card.


  1. What are the payment channels/modes for Credit card Bill payment for HDFC Bank account holders and how to do it?

HDFC Bank account holder can make payments through below channels

1. Auto pay -

You can provide standing instructions to debit your HDFC Bank Account automatically for either the minimum amount due or the total monthly outstanding amount on your Credit Card. Your account with HDFC Bank should be a sole or a joint account with an 'any' or 'either' signing mandate. (Total amount due to be paid for CTA's)

2. HDFC Bank Net-Banking -

HDFC Bank savings/current account holders can register for Net-Banking and transfer the outstanding Credit Card amount online. To link your Credit Card to Net-Banking, please log in to your HDFC Bank Net-Banking account and link using your Credit Card ATM PIN.

3. 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

4. HDFC Bank Mobile Banking -

Make sure you have downloaded and installed the HDFC Bank Mobile Banking Apps on your phone and enabled internet access. Log in to the Mobile App using your Customer ID and go to the 'Credit Card' tab, choose 'Credit Card Payment' and make your payments using your HDFC Bank Savings Account HDFC Bank Mobile Banking through Browser Log in to your Netbanking account using Mobile Banking through Browser (www.m.hdfcbank.com). Go to the 'Credit Card' tab, choose 'Credit Card Payment' and make the payments using your HDFC Bank Savings Account.

  1. What are the payment channels/modes for Credit card Bill payment for Non HDFC Bank Account Holder and how to do it?

For Non-HDFC Bank Account Holder, below are the payment channel/modes for Credit Card Bill payment -

Bill Desk Payment Gateway

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 on the below link to make card payment through BILL DESK - http://www.billdesk.com/pgidsk/pgmerc/hdfccard/index.jsp

NEFT/ Visa Money Transfer -

You can transfer funds from any other bank account to your HDFC Bank Credit Card account electronically. Please contact your bank for more details on NEFT. Use IFSC Code HDFC0000128 for card payment through NEFT.


  1. Why am I being charged Financial Charges by the bank?

Finance charges will be applicable when the total amount due is not received within the payment due date. 

Finance charges are payable at the monthly percentage rate on all transactions from the date of transaction in the event of the Card member choosing not to pay his balance in full, and on all cash advances taken by the Card member, till they are paid back Finance charges, if payable, are debited to the Card member's account till the outstanding on the card is paid in full. 

To know more about how finance charges is calculated refer the below link http://www.hdfcbank.com/assets/pdf/cc_common_MITC.pdf


  1. When should a customer fill a progressive dispute form?

Subsequent to submission of the CDF form, the bank intimates the merchant of the disputed transaction. The merchant then provides all the relevant documents to substantiate the respective transaction. Post inspection of all the relevant documents, if the customer is still not convinced, then the customer should fill and submit the progressive dispute form. 

Please click on link below to view the progressive dispute form -https://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf


  1. How do I apprise HDFC Bank of disputed transactions on my Central Travel Account?

You may write an email to Corporate.assist@hdfcbank.com after filling the details in the dispute form. Subsequent to submission of the form, the bank intimates the Travel management company (TMC) /Merchant of the disputed transaction.

Bank will also give a memo credit on the account till the time TMC/Merchant provides all the relevant documents to substantiate the respective transaction.

Please click on the link below to view the progressive dispute formhttp://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf


  1. Where do I find Jumbo Loan details, including how many months are left to close the loan or Outstanding amount?

Jumbo loan details can be viewed on MyCards under Linked EMI section. Simply login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

The loan summary has the below details -

    1. Jumbo Loan Amount

    2. Interest rate

    3. Outstanding amount

    4. Repayment schedule including EMIs per month

    5. Loan duration (in months)

The same details can also be viewed inside Netbanking > Cards section under Credit Cards Enquire tab.


  1. Where do I find Insta Loan details, including how many months are left to close the loan or Outstanding amount?

Insta loan details can be viewed on MyCards under Linked EMI section. Simply login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card. The loan summary has the below details –

  1. Jumbo Loan Amount

  2. Interest rate

  3. Outstanding amount

  4. Repayment schedule including EMIs per month

  5. Loan duration (in months)

The same details can also be viewed inside Netbanking > Cards section under Credit Cards Enquire tab.


  1. How can i get my membership fee reversed for credit cards?

Membership fees are levied as per the applicable annual charges on the card applied for during the card application. In the eventuality of any fee related discrepancy or grievances, please write to the bank online at the below email address - customerservices.cards@hdfcbank.com


  1. How do I get a refund for Excess balance on my credit card?

Credit balance reflecting on your card account shall be adjusted against future purchases. In the eventuality of any immediate necessity, you may write to the bank online at customerservices.cards@hdfcbank.com with specific details of transaction/amount for which refund is sought.


  1. What is Airport Lounge Access Feature on Credit Cards?

To make your travel more comfortable, selected few HDFC Bank credit cards offer complimentary access to airport lounges within and outside India. You can relax in the comforts of the lounge while you wait for your flight. Depending on the credit card variant that you hold, you can avail this benefit and travel in luxury and style.

To know whether your card offers complimentary airport lounge access or not, please check through the card welcome letter sent to you at the time of issuance. Or alternatively, you can read from the below site - https://www.hdfcbank.com/personal/pay/cards/credit-cards


  1. How do i get a NOC for my credit card?

NOC will be issued only on Cancelled Card accounts where there are no pending dues payable. You may write to the bank online at customerservices.cards@hdfcbank.com stating the requirement and purpose of the same.


  1. How do I change the billing cycle for my credit card on a particular date?

No, we are not taking any request for change in the billing cycle of customers.


  1. How do I waive off penalty charges/ how do I waiver off collection penalty charges?

Penalty charges are applied as per the Schedule of Charges mentioned in the Most Important Terms & Conditions (MITC). In case, you want to raise a grievance, please write to the bank online at customerservices.cards@hdfcbank.com with specific details of transaction/penalty amount for which waiver is sought.


  1. How do I check if my refund is updated in my Credit Card?

You may please refer to the transaction log (description) on the Monthly billed statement for your credit card. Credit Card Billed statement can be accessed from the below modes -

MyCards - Login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to your registered email-ID shortly.

Netbanking - Log in to HDFC Bank Netbanking. Go to the Credit card under Cards Tab. Select the Enquire transactions and click on View statement. Select the card no. and the month-year of the billed statement. Click on View or ‘Download’ to access it.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Download Billed Statement'. Select the billing month-year and Click on ‘Download’ to access it.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered email ID after verifying the mobile no. and last 4-digits of your credit card.


  1. How do I make CC payment through PayZapp?

Currently, credit card bills can't be paid via Payzapp. You may choose to pay the bill directly from your banking platforms like Netbanking, Mobile banking.


  1. How do I make CC payment through PayTM?

Credit card bills can be paid using PayTM from the 'Recharge and Bill payments section' by selecting Credit card.

    1. Click on 'Pay Bill' button under the card, where you will be re-directed to the payment page, wherein you will be required to enter the amount.

    2. On the next page, select the method of payment and follow the on-screen instructions to complete the transaction.


  1. Are they any charges for PayZapp?

No, there is no charges for using PayZapp. Rather, PayZapp provides you with attractive discounts and cashbacks on your favourite merchant brands & utility payments on their platform. Terms & Conditions Apply.


  1. How do I check my daily transaction limit on Credit Card?

You can check and/or manage your permissible daily transaction limit on Credit card via the below route -

MyCards - Login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on Card Control service under Credit Cards. You will able to see the transaction limit on your domestic and international usage across ATM, Online, POS and Contactless Transactions modes.

Netbanking - Login in to Netbanking. Under the Cards Tab, 'Request' section - select 'Set Card Usage/Limits'.

On selecting, the daily permissible limit will be shown. Further, user can check the individual transaction limit on ATM, Merchant outlet (POS), Contactless and Online purchases in domestic as well as international usage.


Phone Banking - Contact Credit Card Phone-Banking. You will be provided the required information on daily transaction limit on Credit Card as well as individual transaction limit on ATM, Merchant outlet (POS), Contactless and Online purchases in domestic as well as international usage.


  1. Which credit card services can be availed using HDFC Bank MyCards?

HDFC Bank MyCards is a mobile-based service platform for Credit Cards - one stop for all card enquiry and management services available for customers. It can be accessed via mycards.hdfcbank.com and need no download or password to remember. It can be accessed seamlessly by HDFC Bank account holder and Non-HDFC Bank account holders also. With respect to Credit Cards, you can do the following services using MyCards platform -

Enquiry -

  1. View your Card Summary including Card status, outstanding and available limits and due date

  2. View your unbilled transactions

  3. View your Linked EMIs on Credit Card

  4. View your Reward Points


Request -

  1. Statement on Email (upto last 24 months)

  2. Hotlist and Re-issue your Credit Card

  3. Temporary disable and enable Credit Card

Maintenance

  1. Card Enable/Disable POS/ATM/Contactless/Online Transactions

  2. Card Limit setting across POS/ATM/Contactless/Online Transactions


  1. What is HDFC Bank MyCards and why it is called PWA?

MyCards is a mobile-based service platform of HDFC Bank for products like Credit Card, Debit-card EMI, Consumer Durable loan. It is a Progressive Web Application, which runs on the browser but provides native app-like experience, once you save it on your phone.


  1. How to login onto HDFC Bank MyCards PWA for accessing Credit Card services?

You can login inside HDFC Bank MyCards PWA using the below steps at mycards.hdfcbank.com

  1. Enter the registered mobile number on the MyCards login

  2. Enter the OTP sent on the registered mobile number for validation

  3. Select the product(s) to be added

  4. Add the Credit card using last 4 digit of the card

  5. Once validated successfully, user gets logged into MyCards Credit Card Homepage for accessing all the services.


  1. Can I use HDFC Bank MyCards from multiple devices and at the same time?

You can access HDFC Bank MyCards from multiple devices just like your open HDFC Bank website anywhere. However, as a security measure, simultaneous logins are not allowed from multiple devices. In such a case, the earlier session will get logged out.

Simply visit https://mycards.hdfcbank.com and get started to manage your Credit Card on the go.


  1. How to save HDFC Bank MyCards for using it in future?

HDFC Bank MyCards can be saved on your mobile home-screen and provides a native app experience without the need to download anything from Play Store.

Simply visit https://mycards.hdfcbank.com and simply, click on Add to Home Screen button on the MyCards Landing page or More option (three vertical dots) of your browser and save MyCards on your mobile phone or desktop.


  1. Can a Non-HDFC Bank account holder access Credit Card services online using HDFC Bank MyCards without creating any Login ID and password?

Non-HDFC Bank Account holders can seamlessly use MyCards for accessing all Credit Card services online. There is no need for creating any Login ID and password. You just have to login using registered mobile number and last 4-digits of your credit card to access all the services.

Simply visit https://mycards.hdfcbank.com and get started to manage your Credit Card on the go.


63. How can I change my mobile number on my credit card account?

You can change / update the mobile number on your credit card account by

  1. HDFC Bank ATM - Insert Credit Card>>Select your Language>>Select Update your registered Mobile Number under Main Menu>>Enter mobile number & complete the authentication. Enable your ATM card controls before placing the request.
  2. Downloading the CHANGE OF ADDRESS, MOBILE NUMBER & EMAIL ID'S MID form. Fill in the details and send the form to

Manager, HDFC Bank Cards Division,

PO BOX # 8654

Thiruvanmiyur PO

Chennai - 600 041


64. How can I change or update my address on my credit card account?

You can change or update the address on your credit card account instatntly.

A. Insta Services(For Customers with HDFC Bank A/c)

B. MyCards - For Customers without HDFC Bank A/c

Login to MyCards.hdfcbank.com>>Use Registered Mobile No & OTP>>Select Credit Card>>Under 'Services'>>'Manage'>>'Update Address'

.Update your Aadhaar address before placing the request.

C. You can change or update the address on your credit card account by downloading the application form for the change of contact details for credit cards HERE. Fill in the details in the form and send to:

Manager, HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041

Regalia

How much does an HDFC Bank Regalia credit card holder save annually?

Click here to view Value Chart of Regalia Credit Card.

What is Zomato Pro Membership?
Zomato Pro is an exclusive dine out membership program that extends special perks like a complimentary dish and up to 2 complimentary drinks every time you dine at, or hit the bar at more than 4000 partner restaurants across India. 
It also offers a host of specially-curated food & drink experiences like new restaurant launches, pub crawls, new menu previews, cookout with chefs, wine tasting sessions, brewery tours, and much more.

This program is applicable across top restaurants in Delhi NCR, Mumbai, Bangalore, Pune, Hyderabad, Jaipur, Chandigarh, Ahmedabad, Kolkata, Chennai, Ludhiana, Lucknow, Indore, Nagpur, Coimbatore, and Kochi.

What is the eligibility criteria for availing a Zomato Pro Membership? 
HDFC Bank Regalia Credit Card holders both fresh & upgrade onboarded on or after 20th March 2019 Until 10th Jan’21 and have spent 75,000 within first 90 days from card set up date are eligible for this membership. 
Are existing HDFC Bank Regalia Credit Card Cardholders also eligible for the membership? 
No, existing HDFC Bank Regalia Credit Card cardholders i.e. those sourced before 20th March 2019 will not be eligible for the membership. 

What is the validity of Zomato Pro membership? 
HDFC Bank Regalia Credit Card cardholders are offered a one year unlimited Zomato Pro pack.

By when can I avail the membership? 
This membership can be availed only in the first year of the issuance of HDFC Bank Regalia Credit Card card and on qualifying for the membership by spending 75 K within first 90 days. This membership will not be renewed by HDFC Bank. 

In case of any assistance required post issuance of Zomato Pro membership, whom do I need to contact? 
Once issued with Zomato Pro membership you need to contact the below for any support: Write an email to pro@zomato.com; or can reach out to chat support from the Zomato app

Lounge Access within India 

What is domestic lounge access Program on HDFC Bank Regalia Credit Card? 
HDFC Bank Regalia Credit Card cardholders can avail upto 12 lounge access within India in a calendar year using Visa /Mastercard credit card.

What happens if you have exceeded your complimentary lounge visits on your HDFC Bank Regalia Credit Card?
All the visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge

How do I know the list of lounges providing complimentary domestic lounge access on HDFC Bank Regalia Credit Card?
Pls visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/regalia to know the updated Visa / Mastercard complimentary lounge access list. 

Priority Pass - Lounge access outside India 

How can HDFC Bank Regalia Credit Card cardholders avail lounge access outside India?
HDFC Bank Regalia Credit Card cardholders can avail upto 6 complimentary international lounge access for self and add-on using Priority pass. 

How to avail Priority pass card?
You can apply for Priority Pass for self or /and add on members post doing 4 retail transaction on your HDFC Bank HDFC Bank Regalia Credit Card Credit. Link to apply https://leads.hdfcbank.com/applications/webforms/apply/HDFC_Regalia_Priority_Pass1/Regalia_Priority_Pass.aspx

What happens if you have exceeded your complimentary visits via Priority Pass?
HDFC Bank Regalia Credit Card cardholders exceeding 6 complimentary visits will be charged at US $27 + GST per visit.

Can you use Priority pass within India?
Using Priority Pass in India will attract charges on your Credit Card. 

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Super Premium/Regalia/Priority_Pass_Regalia.pdf

Insurance Feature

What is the comprehensive protection feature on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card Cardholders enjoy following comprehensive protection on the card:

Rs. 1 crore air accidental death cover: Cover is applicable in case the card holder shall sustain any air accident and suffer bodily injury resulting in death within 12 months of the accident.

Emergency overseas hospitalization up to Rs. 15 Lakhs available to primary card holder: Covers any medical expenses because of any Bodily Injury or sudden unexpected Sickness only for international travel outside India. Medical expenses incurred due to any pre-existing illness will not be covered.

How can HDFC Bank Regalia Credit Cardholder raise the claim with insurance partner HDFC Ergo?
HDFC Bank Regalia Credit Cardholders can directly raise the claim with HDFC ERGO within 130 days from the date of loss. 

 HDFC Ergo Contact details: 
a. For Emergency Medical Expenses - Toll Free: +800 08250825 (International Toll Free - accessible from outside India) / 01204507250 (Chargeable)
 b. Email: bankclaims@hdfcergo.com c. Address: A&H Claims Inward Team, HDFC

What are the Terms & Conditions ?
 All the above insurance covers are available to the Primary card holder. O
• Liability on lost card will start from the Date of Dispatch of the card upto 30 days, whereas Air Accident/ Emergency Medical Expenses will start from Date of Activation of the card (means first POS transaction/cash withdrawal by the cardholder) 
• Liability on lost card covered to an extent of 900,000 for 2 days prior to Date of Block and 30 days post the Date of Block. 
• Terrorism is specifically excluded under the policy.
• Travel Insurance provided under the policy shall not be valid for procuring a visa. 
• Travel Insurance provided shall be valid for International Travel only. Maximum Trip Duration is restricted to 30 Days. 
• Fraudulent transactions done by person known to the cardholder are specifically excluded. 
• Insurance covers are not provided by HDFC Bank. Exclusions/Limitations are applicable as per the policies issued by the Insurance Company with whom the Bank has tied up.

Reward Points Program

How many base RP’s do HDFC Bank Regalia Credit Card cardholders earn?
You can earn upto 4 RP on retails spends (including spends on insurance, utilities, & rent pay) for every Rs 150 spent on the card.

What are the Terms and conditions with respect to Reward Point Program?
• Only valid Retail purchases qualify for Reward Points
• Reward Points will not be accrued for fuel transactions 
• Reward Points are valid only for 2 years from the date of accumulation e.g.: If you have received Reward Points in the month of April 2019, then same will expire in April 2021. 
• EasyEMI and e-wallet loading transactions will not accrue Reward Points. 
• Reward Points accrued will be reversed if a retail transaction is converted into SmartEMI. 
• If the Credit Card is not used for more than 365 days, Reward Points accrued will be nullified.
• Reward Points accrued for Insurance transactions will have a maximum cap of 2,000 per day.

Spend Aggregation Feature

What is the spend aggregation feature applicable on HDFC Bank Regalia Credit Card?
• Cardholders earn 10,000 Reward Points on achieving annual spends of Rs. 5 lakhs
• They earn additional 5,000 Reward Points on achieving annual spends of Rs. 8 lakhs

For Important Terms and Conditions of Annual spends benefit program, Click Here 

Unified Portal 

What is HDFC Bank Regalia Credit Card Unified Portal & what does it provide?
HDFC Bank Regalia Credit Card unified portal is an exclusive portal for customers for their travel bookings, entertainment bookings & shopping. Customers can do both flight / hotel bookings and also redeem rewards points against travel bookings using their credit card on this portal https://offers.smartbuy.hdfcbank.com/regalia

Do I have to register online in order to use the HDFC Bank Regalia Credit Card Portal?
Registration on the portal https://offers.smartbuy.hdfcbank.com/regalia Bank Regalia Credit Card is optional. You can access all the features and functionalities of the website without registration. 
However, all the transactions on the website need to be effected using the HDFC Bank Regalia Credit Card.

As a registered member, you will get the following benefits:

You do not have to provide your details every time you use the portal for bookings. You can view all your revenue and redemption bookings at one place.

Rewards Redemption 

What are the Reward Points redemption options available for the cardholder?
HDFC Bank Regalia Credit Card cardholders can redeem Reward Points
• For flight and hotel bookings via SmartBuy
https://offers.smartbuy.hdfcbank.com/regalia
• Curated Global experiences, 
• Premium vouchers,
• Air Miles 
• Cashback. 

Travel Concierge 

Does HDFC Bank HDFC Bank Regalia Credit Card Credit Card provide travel assistance?
HDFC Bank Regalia Credit Card cardholders can customize their travel experiences with our 24 X 7 concierge Assistance. Toll free no: 1860 425 1188, Email ID: HDFC Bank Regalia Credit Card.support@smartbuyoffers.co


Foreign Currency Transactions 

What is the FCY mark-up fee on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card has a 2% FCY mark-up on any credit card transactions made outside India.

Fuel Surcharge Waiver

What is the fuel surcharge waiver applicable on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card cardholders enjoy a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5000. No Reward Points are earned on fuel transactions.

Contactless Mode of Payment 
Does the HDFC Bank HDFC Bank Regalia Credit Card provides payment option through contactless card?HDFC Bank Regalia Credit Card Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN.

Card Fee 

What is the Membership fee / renewal annual applicable on HDFC Bank Regalia Credit Card?
Membership fee/ Renewal fee of Rs 2500 /-+ Applicable Taxes is applicable on HDFC Bank Regalia Credit Card.

What is the Spends based condition for membership fee reversal on HDFC Bank Regalia Credit Card?
Membership fee will be waived of on spends of Rs 3 lakh in anniversary year 

Interest Rate 

What is the interest rate applicable on HDFC Bank Regalia Credit Card?
Interest rate applicable on HDFC Bank Regalia Credit Card is 3.49 % per month.

How can a cardmember enable Online, International and Contactless transactions?
Click here for detailed information

What is Dineout Passport?

We are delighted to announce Dineout Plus has been upgraded to Dineout Passport - Dineout’s new dining program that offers:

  1. Minimum 25% off on the bill at 2000+ restaurants in 20 cities across the country

  2. 1+1 on Buffet at 200+ restaurants

  3. Additional 5% off using Dineout Pay

  4. Exclusive Access to Dineout Passport Experiences

  5. Early Access to events and festivals such as GIRF, Gourmetlicious, etc.

Who all are eligible for this offer?
All Regalia credit cardholders are eligible for this offer.

How to avail this membership?
Spend Rs. 75,000 and more from your regalia credit card every calendar quarter beginning from 1st Jan,2021 to 31st March, 2021

Spends from which period will be considered for this offer?
Spends using your Regalia credit beginning from 1st Jan,2021 till 31st March,2021 will be considered and every calendar quarter thereafter.

When will the membership code be sent to all winners?
All winners will receive the promo code within 1 month of spend target achievement.
For eg: If a customer has achieved 75,000 spend on 10th Feb,2021 , he will receive the membership code by 10th March, 2021.

Superia

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. 
At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card.

Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

  • Step1: Tap the card in a POS terminal
  • Step2: Enter the amount
  • Step3: Do not remove the card till the charge-slip is printed
  • Step4: Take the customer's signature on the charge-slip

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

Titanium Edge

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

  • Step1: Tap the card in a POS terminal
  • Step2: Enter the amount
  • Step3: Do not remove the card till the charge-slip is printed
  • Step4: Take the customer's signature on the charge-slip

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card.

Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. 
At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Platinum Plus

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. 
At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card.

Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Can a Chip Card be used to withdraw cash for Platinum Plus Credit Card?

Yes a Chip Card can be used at any ATM to withdraw cash.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

  • Step1: Tap the card in a POS terminal
  • Step2: Enter the amount
  • Step3: Do not remove the card till the charge-slip is printed
  • Step4: Take the customer's signature on the charge-slip

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

Visa Signature

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

Does HDFC Bank’s Visa Signature Credit Card contain a magnetic strip?

Yes, this is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Visa Signature Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

Can I use my Visa Signature Chip card anywhere?

Yes, you can use your Visa Signature Chip Credit Card anywhere in the world where Visa is accepted. At a chip-enabled terminal, you can insert your Chip Card into the POS terminal. If your card is being used at a location that does not have a chip-enabled terminal, your card can be swiped to complete the transaction.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

  • Step1: Tap the card in a POS terminal
  • Step2: Enter the amount
  • Step3: Do not remove the card till the charge-slip is printed
  • Step4: Take the customer's signature on the charge-slip

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a chip terminal, your card can be swiped.

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card.

Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. 
At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Solitaire

How to redeem Reward Points?

For details, please visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/claim-rewards

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Doctors Superia

How to redeem Reward Points?

For details, please visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/claim-rewards

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

JetPrivilege HDFC Bank World

Will the 2X InterMiles be applicable only if the ticket is booked online through IM website or via app?

Ans. Customer will get 2 times the Miles i.e. on InterMiles HDFC Bank Signature the customer will get 12 InterMiles for Rs.150, on InterMiles HDFC Bank Platinum, 8 InterMiles for Rs.150 and on InterMiles HDFC Bank Diners Club, 16 InterMiles for Rs.150 only on flight tickets booked online on http://flights.intermiles.com and hotels booked on interbook.intermiles.com.

Will the Rs.750 discount voucher be applicable only on booking done through InterMiles Site?

Ans. Yes, for InterMiles HDFC Bank Signature Credit Card, the Rs.750 discount voucher can be used only for online booking on a minimum booking of INR 4500 of through InterMiles websites only (https://www.intermiles.com/flights). This discount is against the base fare. This has been mentioned on the InterMiles HDFC Bank Signature Credit Card Product Page, Terms and Conditions under the head “Renewal Benefits”.

How will I earn the Reward Points on my INTERMILES HDFC BANK CO-BRAND CREDIT Card?

Ans. On these card you earn INTERMILES through your retail spends. These INTERMILES will gets transferred to your INTERMILES Membership number as provided by you, periodically.

When will I get my Bonus JPMiles?

Your First Swipe Bonus JPMiles will be transferred to you FFP number within 7 days of first transaction done on your JAHC Card. Your Spend Threshold Bonus JPMiles will be transferred to your FFP Number within 7 days of reaching the threshold spends value provided both of these are completed within 90 days of Card Setup Date

I already have an HDFC Bank card but want to apply for a Jetprivilege – HDFC Bank X card? What is the process?

If the customer is already an HDFC bank cardmember, he can apply for the JetPrivilege – HDFC Bank X card basis the eligibility of the product and on paying fees. The customer can call into the HDFC Bank call centre. The existing points on the HDFC Bank card will be transferred to JP program at the conversion ratio applicable on the current card

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Can the Chip card be used to withdraw cash?

Yes the chip card can be used at any of the ATMs to withdraw cash.

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a Chip terminal, the card can also be swiped as before.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted.  At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Will the 3 times rewards be applicable only if the ticket is booked online?

Customer will get 3 times the rewards i.e on World the customer will get 18 points for Rs.150, on Platinum 15 points for Rs.150 and on Titanium 12 points for Rs.150 only on flight tickets booked online on Jetairways.com

Will the Rs.750 discount voucher be applicable only on booking done through Jet Site?

Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on jet airways flights through Jet Airways websites only. This discount is against the base fare.

How will I earn the Reward Points on my JAHC Card?

On these card you earn JPMiles on your retail spends. These JPMiles gets transferred to your JP FFP Membership number as provided by you periodically.

JetPrivilege HDFC Bank Platinum

Will the 2X InterMiles be applicable only if the ticket is booked online through IM website or via app?

Ans. Customer will get 2 times the Miles i.e. on InterMiles HDFC Bank Signature the customer will get 12 InterMiles for Rs.150, on InterMiles HDFC Bank Platinum, 8 InterMiles for Rs.150 and on InterMiles HDFC Bank Diners Club, 16 InterMiles for Rs.150 only on flight tickets booked online on http://flights.intermiles.com and hotels booked on interbook.intermiles.com.

Will the Rs.500 discount voucher be applicable only on booking done through InterMiles Site?

Ans. Yes, for InterMiles HDFC Bank Platinum Credit Card, the Rs.500 discount voucher can be used only for online booking on a minimum booking of INR 3500 of through InterMiles websites only (https://www.intermiles.com/flights). This discount is against the base fare. This has been mentioned on the InterMiles HDFC Bank Platinum Credit Card Product Page, Terms and Conditions under the head “Renewal Benefits”.

How will I earn the Reward Points on my INTERMILES HDFC BANK CO-BRAND CREDIT Card?

Ans. On these card you earn InterMiles through your retail spends. These InterMiles will get transferred to your InterMiles Membership number as provided by you, periodically.

When will I get my Bonus JPMiles?

Your First Swipe Bonus JPMiles will be transferred to you FFP number within 7 days of first transaction done on your JAHC Card. Your Spend Threshold Bonus JPMiles will be transferred to your FFP Number within 7 days of reaching the threshold spends value provided both of these are completed within 90 days of Card Setup Date

I already have an HDFC Bank card but want to apply for a Jetprivilege – HDFC Bank X card? What is the process?

If the customer is already an HDFC bank cardmember, he can apply for the JetPrivilege – HDFC Bank X card basis the eligibility of the product and on paying fees. The customer can call into the HDFC Bank call centre. The existing points on the HDFC Bank card will be transferred to JP program at the conversion ratio applicable on the current card

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted.  At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a Chip terminal, the card can also be swiped as before.

Can the Chip card be used to withdraw cash?

Yes the chip card can be used at any of the ATMs to withdraw cash.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Will the 3 times rewards be applicable only if the ticket is booked online?

Customer will get 3 times the rewards i.e on World the customer will get 18 points for Rs.150, on Platinum 15 points for Rs.150 and on Titanium 12 points for Rs.150 only on flight tickets booked online on Jetairways.com

Will the Rs.750 discount voucher be applicable only on booking done through Jet Site?

Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on jet airways flights through Jet Airways websites only. This discount is against the base fare.

How will I earn the Reward Points on my JAHC Card?

On these card you earn JPMiles on your retail spends. These JPMiles gets transferred to your JP FFP Membership number as provided by you periodically.

JetPrivilege HDFC Bank Titanium

When will I get my Bonus JPMiles?

Your First Swipe Bonus JPMiles will be transferred to you FFP number within 7 days of first transaction done on your JAHC Card. Your Spend Threshold Bonus JPMiles will be transferred to your FFP Number within 7 days of reaching the threshold spends value provided both of these are completed within 90 days of Card Setup Date

I already have an HDFC Bank card but want to apply for a Jetprivilege – HDFC Bank X card? What is the process?

If the customer is already an HDFC bank cardmember, he can apply for the JetPrivilege – HDFC Bank X card basis the eligibility of the product and on paying fees. The customer can call into the HDFC Bank call centre. The existing points on the HDFC Bank card will be transferred to JP program at the conversion ratio applicable on the current card

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Can the Chip card be used to withdraw cash?

Yes the chip card can be used at any of the ATMs to withdraw cash.

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a Chip terminal, the card can also be swiped as before.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted.  At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Will the 3 times rewards be applicable only if the ticket is booked online?

Customer will get 3 times the rewards i.e on World the customer will get 18 points for Rs.150, on Platinum 15 points for Rs.150 and on Titanium 12 points for Rs.150 only on flight tickets booked online on Jetairways.com

Will the Rs.750 discount voucher be applicable only on booking done through Jet Site?

Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on jet airways flights through Jet Airways websites only. This discount is against the base fare.

How will I earn the Reward Points on my JAHC Card?

On these card you earn JPMiles on your retail spends. These JPMiles gets transferred to your JP FFP Membership number as provided by you periodically.

Teachers Platinum

​​​​​​​How to redeem Reward Points?

For details, please visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/claim-rewards​​​​​​​

What in case the card is lost / stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Platinum Times Card

How much discount can I avail with my HDFC Bank Times Card Credit Platinum on booking movie tickets via  BookMyShow? 

With your HDFC Bank Times Card Credit Platinum, you can avail a discount of 50% on booking movie tickets via BookMyShow. 


How can I avail 50% discount on movie ticket on BookMyShow?
 

  • Go through the regular ticketing flow on BookMyShow and Proceed to Review Screen 
  • Click on “Unlock Offer or Apply Promocodes” at the bottom of Review Screen 
  • Click on “Credit/Debit” and you will be routed to the Offers Screen 
  • Select the “HDFC Bank Times Card Offer” on the Offers Screen 
  • Enter your 16 digit credit card number in the box and click on apply 
  • Make the payment using your HDFC Bank Times Card Credit Platinum 
    ​​​​​​​

What is the ticket booking limit on using 50% discount on BookMyShow? 

A cardholder can purchase a maximum of 4 discounted tickets per card per month.
A maximum discount of Rs 600 can be availed per transaction by cardholder.
A discount of Rs 50 on Food and Beverage can be availed only once by the user. 

Apart from BookMyShow, where 50% off on Movie Tickets can be availed? 

Currently, the offer is applicable only on BookMyShow. 

Titanium Times Card

What is Times Prime Membership? 

Times Prime is an all-in-one lifestyle membership that aims to upgrade user’s lifestyle by providing premium offers & deals across dining, travel, shopping, entertainment & many more. 

Access to 20+ subscriptions & Special offers in 25+ popular shopping brands like Gaana Plus, TOI+, Zee5, Dineout Passport Membership, etc & offers on Myntra, Lifestyle & many more brands. 

Is Times Prime Membership applicable to all Times Card Holders? 

No, Times Prime Membership is not applicable to customers holding a Life Time Free Card from 2nd year onwards. 

How to qualify for Times Prime Membership? 

You will qualify for annual membership of Times Prime basis following criteria: 

  • HDFC Bank Times Card Credit – on completing 3 transactions in a calendar quarter 
  • HDFC Bank Times Card Credit Platinum – on completing 1 transaction in a calendar quarter 


What is the definition of Calendar Quarter?
 

Calendar quarter for any year is defined as: 

  • Quarter 1 - 1st January to 31st March | Quarter 2 - 1st April to 30th June
  • Quarter 3 - 1st July to 30th September | Quarter 4 - 1st October to 31st December  


When will I get the Times Prime Membership, once eligible?
 

Post qualification, Customer will receive SMS/Email within 30 days of qualification. Post receipt of SMS/Email, customer has to claim the membership within 90 days. Annual membership will start from the date customer claims the membership. 


I have 2 different Times Card, one with Times Card Credit and another with Times Card Credit Platinum, will I be eligible for Times Prime Membership on both the cards? 


Currently you are eligible for one Times Prime Membership on your bank registered mobile number.  For example, if you have 2 or more HDFC Bank Times Card (same variant or different variant) and the registered mobile number with the bank for all those cards is same, you can avail only 1 (one) Times Prime Membership on being eligible on any of the cards. 

What happens if I already have an active Times Prime Membership, will I get a new membership on my card? 
​​​​​​​

Scenario 

HDFC Bank Times Card Credit 

HDFC Bank Times Card Credit Platinum  

Currently active with remaining validity days of more than 15 days 

On being eligible, customer cannot add new membership to the currently active membership. 

On being eligible, customer cannot add new membership to the currently active membership. 

Currently active with remaining validity days less than 15 days 

You will be able to claim your new membership within 90 days of being eligible and extend the validity of the current membership by 1 year. 

You will be able to claim your new membership within 90 days of being eligible and extend the validity of the current membership by 1 year. 


I forgot to claim the Times Prime Membership last time, how can I get the membership now? 
 
In case you have not claimed your membership last time: 

HDFC Bank Times Card Credit 

HDFC Bank Times Card Credit Platinum  

On completing 3 transactions in the current calendar quarter, you will get SMS/Email to claim membership again 

On completing 1 transaction in the current calendar quarter, you will get SMS/Email to claim membership again 


How will my Times Prime Membership get extended on expiry? 

In case your current membership: 

Scenario 

HDFC Bank Times Card Credit 

HDFC Bank Times Card Credit Platinum  

Has expired

On completing 3 transactions in the current calendar quarter, you will get SMS/Email to claim membership again 

On completing 1 transaction in the current calendar quarter, you will get SMS/Email to claim membership again 

Is expiring in current quarter 

On completing 3 transactions in the current calendar quarter, you will get SMS/Email to claim membership again 

On completing 1 transaction in the current calendar quarter, you will get SMS/Email to claim membership again 

Is active for more than 90 days

On completing 3 transactions in calendar quarter prior to expiry of membership, you will get SMS/Email to claim membership again. 

On completing 1 transaction in calendar quarter prior to expiry of membership, you will get SMS/Email to claim membership again. 


T&C on Times Prime Membership: 

  • Cardholder will be entitled for a complimentary annual membership of Times Prime on fulfilment of eligibility criteria only. 
  • A cardholder can avail only one Times Prime membership against his/her bank registered mobile number 
  • An existing Times Prime member on being eligible, cannot add new membership to the currently active Times Prime membership. You may add the new membership to the existing membership, if the remaining validity is less than 15 days. 
Platinum Edge

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.
Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card. 

Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

AllMiles

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted.

At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

 

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

 

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

 

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card.

Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

 

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

 

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

 

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

 

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

 

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

  • Step1: Tap the card in a POS terminal
  • Step2: Enter the amount
  • Step3: Do not remove the card till the charge-slip is printed
  • Step4: Take the customer's signature on the charge-slip

 

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card...

 

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

 

Through POST
You can download the form

 

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

Business Platinum

Is there any mark-up fee for foreign currency transactions for Business Platinum Credit Card?

You will be charged 3.5 % of the transaction amount as a mark-up fee for foreign currency transactions.

 

What is the membership fee for the HDFC Bank Business Platinum Credit Card?

The Joining fee is Rs. 299 and the annual renewal membership fee is Rs. 299

 

Is there any fee to withdraw cash for Business Platinum Credit Card?

The cash withdrawal charge is 2.5% on the amount withdrawn or Rs. 300, whichever is higher. Finance charges will apply from the date of transactions.

 

How do I pay the membership fee for the HDFC Bank Business Platinum Credit Card?

The first year membership fee will be billed to the first statement of your HDFC Bank Business Platinum Credit Card. This will be the next monthly statement from the date of upgrade in case of upgrade cards.

 

What interest rate will apply for revolving balance for Business Platinum Credit Card?

Initial interest rate at card issuance will be 3.4% p.m. (40.8% p.a.) This can change periodically based on spends, payback and utilization patterns. The maximum interest rate, in the event of default will be 3.5% p.m. (42% p.a.) Cards issued against fixed deposit: 1.99% p.m. (23.88% p.a.) applicable from transaction date.

 

How can I upgrade my existing Business Platinum Credit Card?

A. Eligibility & process for upgrading your Credit Card to Business Regalia
Eligibility: Credit limit of Rs.2,50,000 or more
Process: 
1. Click here to download Upgrade form for Business Regalia 
2. Take print out and fill up the application form completely. 
3. Tick Business Regalia option 
4. Send duly filled up application form via post/courier to following address

The Manager, HDFC Bank Cards Division, PO Box # 8654 Thiruvanmiyur P.O.,
Chennai - 600 041.
 

B. Eligibility & process for upgrading your Credit Card to Business MoneyBack
Eligibility: Credit limit of upto 2,49,999
Process: 
1. Click here to download Upgrade form for Business MoneyBack 
2. Take print out and fill up the application form completely. 
3. Tick Business MoneyBack option 
4. Send duly filled up application form via post/courier to following address 
The Manager, HDFC Bank Cards Division, PO Box # 8654 Thiruvanmiyur P.O.,
Chennai - 600 041.

 

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

 

Through POST
You can download the form

 

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

Business Gold

How do I pay the membership fee for the HDFC Bank Business Gold Credit Card?

The first year membership fee will be billed to the first statement of your HDFC Bank Business Gold Credit Card. This will be the next monthly statement from the date of upgrade in case of upgrade cards.

 

Is there any mark-up fee for foreign currency transactions for Business Gold Credit Card?

You will be charged 3.5 % of the transaction amount as a mark-up fee for foreign currency transactions.

 

Is there any fee when I withdraw cash for Business Gold Credit Card?

The cash withdrawal charge is 2.5% on the amount withdrawn or Rs. 300, whichever is higher.

Finance charges will apply from the date of transactions.

 

What is the membership fee for the HDFC Bank Business Gold Credit Card?

The Joining fee is Rs. 199 and the annual renewal membership fee is Rs 199.

 

What interest rate will apply for revolving balance for Business Gold Credit Card?

Initial interest rate at card issuance will be 3.4% p.m. (40.8% p.a.) This can change periodically based on spends, payback and utilization patterns. The maximum interest rate, in the event of default will be 3.5% p.m. (42% p.a.) Cards issued against fixed deposit: 1.99% p.m. (23.88% p.a.) applicable from transaction date.

 

Is there any limit to Cashback/Surcharge Waiver on a Business Gold Credit Card?

Yes, Cashback and IRCTC Surcharge waiver on every feature is restricted to a maximum of Rs. 500 per statement cycle. Fuel surcharge waiver is restricted to a maximum of Rs. 250 per statement cycle.

 

How can I upgrade my existing Business Gold Credit Card?

A. Eligibility & process for upgrading your Credit Card to Business Regalia
Eligibility: Credit limit of Rs.2,50,000 or more
Process: 
1. Click here to download Upgrade form for Business Regalia 
2. Take print out and fill up the application form completely. 
3. Tick Business Regalia option 
4. Send duly filled up application form via post/courier to following address

The Manager, HDFC Bank Cards Division, PO Box # 8654 Thiruvanmiyur P.O.,
Chennai - 600 041.
 

B. Eligibility & process for upgrading your Credit Card to Business MoneyBack
Eligibility: Credit limit of upto 2,49,999
Process: 
1. Click here to download Upgrade form for Business MoneyBack 
2. Take print out and fill up the application form completely. 
3. Tick Business MoneyBack option 
4. Send duly filled up application form via post/courier to following address 
The Manager, HDFC Bank Cards Division, PO Box # 8654 Thiruvanmiyur P.O.,
Chennai - 600 041.

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

 

Through POST
You can download the form

 

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

MoneyBack

FAQ - MoneyBack Credit Card Spend Milestone Offer


What is the Spend Milestone Offer?

  • Under Spend Milestone Offer a MoneyBack customer need to spend Rs 50,000 in a Quarter to get Rs 500 e-voucher. The Offer start date is effective 1st April 2018

How is the Quarter defined?

  • Quarter is defined as a calendar quarter, For e.g. quarter 1 = 1st Apr’18 – 30th Jun’18.


What are the types of Spends that are considered for the offer?

  • The spend milestone program is valid for retail transactions only. Cash transactions, Dial-An-EMI, Cash-on-Call, Balance Transfer, Personal Loan on Credit Card, etc are not eligible.
  • Transactions which are reversed or cancelled will not be considered.
  • Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account Fees will not be considered for this offer.


Can a customer qualify for the offer multiple times in a Quarter?

  • A customer will be eligible only once in a quarter at any given point of time.
  • Even if a customer achieves higher spends during the period, customer will receive the Rs. 500 e-voucher only once.

What are the e-vouchers that will be offered?

  • As per the current program, a customer can choose (any one per quarter) from e-vouchers of Dominos, Book My Show, Big Bazaar, Bata, Levis, Woodland, Mainland China, and Myntra.
  • The list of merchants can change without prior notice at the Bank’s discretion.

How will customers get to know if they have qualified under the Offer?

  • Bank will communicate offer eligibility to the eligible MoneyBack customers for every calendar quarter
  • The communication will be sent within 90 days from the date of qualification. E.g. Eligible customers for the July-Sep quarter will get notifications before end of December basis the qualification date.
  • ​​​​​​​The eligibility will be communicated to customers on their Mobile No & email ID registered with the Bank, via SMS & email.


When will the E-voucher will be dispatched to customer?

  • Customers need to claim the-voucher by visiting the link given in the Eligibility Mailer, or by sending an SMS according to the Short codes given in the eligibility SMS. E-Vouchers will be triggered immediately to the customers on receipt of the-voucher choice


For how many days customer is eligible for the offer, after receiving eligibility Email and SMS?

  • The customer has to claim the-voucher (i.e. respond with the selected merchant name) within 60 days from the eligibility SMS/Mailer date.


Will customer get reminder of eligibility mailer & SMS?

  • Customers who have not claimed the e-voucher will be sent an eligibility Reminder on the 30th and 45th Day.


How long is a voucher valid?

  • An e-voucher will be valid for 90 days from date of issue.


What happens if a MoneyBack Card holder is getting Upgraded / Downgraded during the Quarter?

  • In case an existing MoneyBack credit card gets upgraded or downgraded during the program quarter to any other card variant, the customer will qualify for the quarterly spend benefit of MoneyBack credit card only if the Quarterly spend target is achieved before the date of upgrade/downgrade.
  • Spends calculation for Quarterly spends benefit on the new MoneyBack Credit Card variant will start from date of upgrade/downgrade.


If a customer is holding multiple cards can he club spends for offer eligibility?

  • If a customer has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the customer in order to qualify for the said offer.


Can a customer get the-voucher if he is classified as delinquent?

  • Customers classified as delinquent (as per Bank policy) at any time during the promotion or 30 days post the promotion will not be eligible for this program.


Can a customer opt for cash instead of E-voucher?

  • This offer is non-cashable, not extendable and non-negotiable.


Terms & Conditions - HDFC Bank MoneyBack Credit Card Spend Milestone Offer

  • The offer “Spend Milestone” is valid only for HDFC Bank MoneyBack credit card holders.
  • To be eligible for the offer, MoneyBack credit card holders need to spend the target amount within the program period.
  • Target spends to qualify for the program is Rs 50,000 retail spends in a quarter. The effective date of the program is 1st April 2018. Quarter is defined as calendar quarter, e.g. quarter 1 = 1st Apr’18 – 30th Jun’18.
  • Eligible MoneyBack credit card holders will get Rs. 500 e-voucher on meeting spends target. MoneyBack credit card holders have to claim the voucher within 60 days from the eligible date.
  • Bank will communicate customers offer eligibility at the end of every Quarter. The eligibility will be communicated to MoneyBack credit card holders on their mobile No & email ID registered with the Bank, Via SMS & email.
  • The communication will begin 45 days from the end of the quarter. E.g. Eligible customers for the July-Sep quarter will begin to get notifications from 15th November onwards till 31st December.
  • The spend milestone program is valid for retail transactions only. Cash transactions, cash-on-call, Balance Transfer, Personal Loan on credit card, Fee and Charges levied on the card are not eligible. Transactions which are reversed or cancelled will not be considered for offer eligibility.
  • MoneyBack credit card holders will be eligible only once in a quarter at any given point of time, in case MoneyBack credit card holders achieves higher spends during the period, MoneyBack credit card holders will receive the Rs. 500 e-voucher only once.
  • In case existing HDFC Bank MoneyBack credit card gets upgraded or downgraded during the program quarter to other card variant

    o MoneyBack credit card holders will qualify for quarterly spend benefit of MoneyBack credit card only if Quarterly spend target is achieved before the date of upgrade/downgrade.

    o Spends calculation for Quarterly spend benefit on the new MoneyBack Credit Card variant will start from date of upgrade/downgrade

  • MoneyBack credit card holders classified as delinquent (as per Bank policy) at any time during the promotion or 30 days post the promotion will not be eligible for this program.
  • This offer is non-cashable, not extendable and non-negotiable.
  • If a MoneyBack credit card holder has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the card member in order to qualify for the said offer.
  • Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account Fees will not be considered for this offer.
  • This offer is valid for Indian residents and citizens only.
  • HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add / alter / modify / change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether. Availing of the offer by MoneyBack credit card holders shall be deemed to be acceptance of the Terms and Conditions herein.
  • All others terms and conditions as per The Card Member Agreement will be applicable for the Offer.

How do I get maximum benefits from the Credit Card?

  • Click here to view Value Chart of MoneyBack Credit Card.
    ​​​​​​​
Snapdeal HDFC Bank

Can a chip card be used for online transactions?

Yes, the chip card can be used for online transactions; the card has to be registered for 'Verified by VISA' which ensures safe online transactions after which the card can be used online.

 

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories; be it for Movie tickets, Travel, Shopping, Apparels, Online, etc. It can be used like a normal Credit Card.

 

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

 

Through POST
You can download the form

 

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

 

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

 

How do I use a Chip Card?

A merchant has to dip the card in the POS terminal as opposed to swiping the card.

 

What in case the card is lost / stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card.
Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

 

Does HDFC Bank's Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip–enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

 

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don‘t have chip enabled terminal, the card can be swiped and transacted.

 

Can a Chip Card be used to withdraw cash for Snapdeal HDFC Bank Credit Card?

Yes a Chip Card can be used at any ATM to withdraw cash.

 

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a Chip terminal, the card can also be swiped as before.

 

Can the Chip Credit cards be used at any place?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa cards are accepted. At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

 

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

 

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip–enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.

JetPrivilege HDFC Bank Diners Club

When will I get my Welcome/Renewal Bonus InterMiles?

Ans. The customer will be eligible for Welcome/Renewal Bonus InterMiles if the customer makes the minimum Spends Criteria within 30 days of the Card Set Up Date/ or the Renewal anniversary date. Your First Month Bonus InterMiles will be transferred to you INTERMILES number within 10 working days upon creation of Primary Card Holder’s Statement Generation date.


I Already have an IM Number and I have been issued a new IM Number with an upgraded card variant. What should I do?

Ans. You can reach out to the branch and place a written merger request wherein you can tell which number has to be merged, with the existing IM Number. Your InterMiles will get transferred to the merged/existing IM Wallet for the IM Account. This process will take 10 to 14 working days after validation.


Why are my Reward Points(InterMiles) being adjusted in my statement?

Ans. The customer must have cancelled a transaction. The InterMiles has already been transferred to the InterMiles Wallet linked to the InterMiles Account and hence the RP’s get adjusted for the InterMiles Accrued for the Cancelled Transactions from subsequent transactions.


Where can I redeem my InterMiles?

Ans. Your InterMiles can be redeemed across multiple platforms such as Flights, Hotel, Digistore, Fuel, Dining, Raffles etc. from the New InterMiles Website and InterMiles Android/IOS App.

https://flights.intermiles.com – Flights

https://hotels.intermiles.com - Hotels

https://digistores.intermiles.com - Vouchers

https://www.intermiles.com/earn-intermiles/programme-partners/fuel/iocl - IOCL

https://www.intermiles.com/use-intermiles - InterMiles website


Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.


How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 


Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call


Through POST
You can download the form


The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041


What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories; be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.


Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.


How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.
Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip


Will the 2X InterMiles be applicable only if the ticket is booked online through IM website or via app?

Ans. Customer will get 2 times the Miles i.e. on InterMiles HDFC Bank Signature the customer will get 12 InterMiles for Rs.150, on InterMiles HDFC Bank Platinum, 8 InterMiles for Rs.150 and on InterMiles HDFC Bank Diners Club, 16 InterMiles for Rs.150 only on flight tickets booked online on http://flights.intermiles.com and hotels booked on interbook.intermiles.com.


Will the Rs.1000 discount voucher be applicable only on booking done through InterMiles Site?

Ans. Yes, for InterMiles HDFC Bank Diners Club Credit Card, the Rs.1000 discount voucher can be used only for online booking on a minimum booking of INR 6000 of through InterMiles websites only (https://www.intermiles.com/flights). This discount is against the base fare. This has been mentioned on the InterMiles HDFC Bank Diners Club Credit Card Product Page, Terms and Conditions under the head “Renewal Benefits”.


How will I earn the Reward Points on my InterMiles HDFC Bank Co-Brand Credit Card?

Ans. On these card you earn InterMiles through your retail spends. These InterMiles will get transferred to your InterMiles Membership number as provided by you, periodically.

Business MoneyBack

What are the features and benefits of a Business MoneyBack Credit Card?

  • Rewards Points 
    • 4 Reward Points for every Rs.150 spent on Air/Travel/Hotel/Restaurant and online spends.
    • 2 Reward Points for Rs 150 on other expenses (Except fuel)
    • Redeem Reward points for CashBack 100 Reward Points = Rs 20
  • Reward Point Redemption 
    • Accumulated Reward Points can be redeemed for CashBack @ 100 Reward Points = Rs. 20 & min. redemption amount should be of Rs. 2500.
    • Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate. Click here for further details.
    • Reward redemption fee of Rs. 99 per request will be applicable on all redemptions.

 

  • Fuel surcharge waiver 
    Fuel surcharge waived off on fuel transactions of Rs. 400 to Rs. 5000, maximum waiver of Rs.250 per statement cycle.
  • Safe & Secure Transactions 
    DIP your Chip Card at any Chip enabled POS or swipe your card at any non-chip POS (Regular POS).
  • Zero liability on lost card 
    If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.
  • Revolving Credit 
    Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.
  • Interest free credit 
    Avail up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).
  • Exclusive Business Saving through Offers
    Click here for exclusive offers on your HDFC Bank Business Credit Card.

 

What are the fees and charges applicable to a Business MoneyBack Credit Card?

Please click here to view the fees and charges applicable on your Business MoneyBack Credit Card.

Goods and Services Tax (GST)

  • Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
  • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
  • GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
  • GST levied will not be reversed on Any dispute on Fee & Charges / interest.

 

What are the benefits of a Chip Card?

Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

 

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

 

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

 

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

 

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip card into a POSTerminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Maruti Suzuki NEXA HDFC Bank AllMiles Credit Card

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

 

What are the benefits of a Chip Card?

Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.

 

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

 

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever MasterCard are accepted.

At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

 

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Central Travel Account

What are the features and benefits of a Central Travel Account?

  • CTA allows for centralized approval and payment
  • Eliminates multiple invoices & reimbursements
  • Net fare charged by Airlines gets debited to Card.
  • Customized MIS reports for better business decisions
  • Spends analysis by category & various other expense reports available
  • Airline / Hotel / Merchant wise break up reports
  • Substantial savings for the business through better negotiations with airlines, hotel chains, etc.
  • Streamlines accounting procedures by consolidating transaction data from around the world
  • Ability to integrate with corporate ERP systems
  • Minimizes paperwork and simplifying reconciliation and compliance tasks


What are the fees and charges applicable to a Central Travel Account Credit Card?

Please click here to view the fees and charges applicable on your Central Travel Account Credit Card.

Goods and Services Tax (GST)

  • Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
  • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
  • GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
  • GST levied will not be reversed on Any dispute on Fee & Charges / interest.


How do I apprise HDFC Bank of disputed transactions on my Central Travel Account?

You may write an email to Corporateassist@hdfcbank.com after filling the details in the dispute form. Subsequent to submission of the form, the bank intimates the Travel management company (TMC) / Merchant of the disputed transaction. Bank will also give a memo credit on the account till the time TMC/ Merchant provides all the relevant documents to substantiate the respective transaction.
Please click herethe link below to view the progressive dispute form. https://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf


I have applied for a Central Travel Account - would like to know the status?

Click on the below link to check the status of your credit card application. http://www.hdfcbank.com/personal/credit_card/cc_track


How can I change / update address on my Central Travel Account?

You can change / update the Address by writing an email to corporateassist@hdfcbank.com. You can also change it online by logging on to the HDFC Bank Corporate Portal. 
OR 
You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards 
Fill in the details in the form and send it to:
Manager, HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041.


Why is the customer required to fill a cardholder dispute form (CDF) to report transaction dispute?

As per master / visa guidelines, all card holders should provide a duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank. 
Pls click on link below to view the cardholder dispute form.
http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc


I do not want statements to be sent to my mailing address. How do I stop the same?

We request you to download the physical statement suppression MID (Most Important Document) from HDFC Bank form center and send the duly signed form to our correspondence address. 
HDFC Bank Cards Division
PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

Business Regalia First

What are the features and benefits of a Business Regalia First Credit Card?

  • Unparalleled Savings
    As part of our elite circle, you enjoy world-class privileges and great saving opportunities. Enjoy annual business savings of more than Rs. 21,000 on your Business Regalia First Credit Card. Click Here to know how.
  • Airport Lounge programme: Business Regalia First Credit Card 
    Access to International lounges through Priority Pass membership
    Priority Pass Membership for preferential and free access to over 850+ international lounges around the world. Enjoy refreshments and use facilities including phones, faxes, and Internet and conference rooms. 
    The Add on card member is also eligible for a Priority Pass membership. The Primary card holder and the Add on member can jointly have 3 free access to the Priority Pass lounges every year

How to apply for Priority Pass? 
Priority Pass membership is on request. Customer has to complete 4 transactions in any statement within the first 90 days to be eligible for Priority Pas membership. Upon completing the 4 transactions in a statement cycle, a link on which Priority Pass could be applied will be sent to customer. 
If you want to apply Priority Pass for your add on member, please write to customerservices.cards@hdfcbank.com
Visit www.prioritypass.com for list of lounge & more details. 
Accesss to Domestic lounges:
Business Regalia First customers can avail the Visa and Master Card Lounge access programmes.
Please click here to know more about VISA lounge programme.   
Please click here to know more about Master Card lounge programme. 

  • EXCLUSIVE DINING PRIVILEGES

    • Your Business Regalia First Credit Card entitles you to Exclusive Dining Privileges at over 300 premium restaurants at leading Hotel Chains in the country like Vivanta by Taj, Marriot Hotels, Hyatt Hotels and many more. Enjoy complimentary delights and savings each time you present your Business Regalia First Credit Card.

      Click Here to discover the privileges.

      Click Here for detailed Terms and Conditions.
  • BEST-IN-CLASS REWARDS PROGRAMME
    • Splurge to your heart’s content with the best-in-class rewards programme on your Business
    • Regalia First Credit Card.
    • 4 Reward points for every Rs. 150 spent
      • Accumulate and redeem Reward Points for:
        - Travel and entertainment bookings on www.hdfcbankregalia.com
        - Exciting gifts from an exclusive rewards catalogue
      • Alternately, you can convert Reward Points into AirMiles of leading domestic and international airlines.
        *Terms & Conditions:
        a. Only retail purchases qualify for Reward Points. Easy EMI, Wallet loading transactions, Fuel, Cash advance, fees and other charges do not accrue any reward points.
        b. Transaction amounts less than Rs. 150 will not accrue any Reward Points.
        c. Payment of at least Minimum Amount Due is required even if you are redeeming your Reward Points against outstanding on your Card Account.
        d. Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
        e. Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.
        f. Reward redemption fee of Rs. 99 per catalogue/dedicated portal rededmption request.
        g. Reward point redemption rate will Rs. 0.30 per RP for portal redemptions.
        h. Reward points will lapse for card in inactive or Dormant status for more than 365 days.
        i. Reward points are valid only for 2 years from the date of accumulation.
        Eg : If you have received reward points in the month of June 2017, then same will expire in June 2019.
  • PREFERENTIAL FINANCIAL BENEFITS 
    • Enjoy up to 50 days of interest free credit and manage your payments at your convenience. You can choose to pay only the minimum amount due (5% of total amount due subject to a minimum of Rs.200) and carry forward the balance amount to next month at an extremely low interest charge of just 3.49% per month.
    • Fuel surcharge waived off on fuel transactions of Rs. 400 or more, maximum waiver of Rs.500 per statement cycle.
    • Enjoy lowest foreign currency markup of 2% on all your foreign currency spends
  • EXCLUSIVE TRAVEL AND ENTERTAINMENT PORTAL
    Unleash the power of your Reward Points like never before on www.hdfcbankregalia.com , an exclusive portal for Business Regalia First credit cardholders.
    You can choose to redeem your Reward Points instantly against:
    • Airline ticket booking
    • Hotel booking
  • COMPREHENSIVE PROTECTION
    To show how much we care, we offer comprehensive insurance* covers against various risks you might face.
    Air Accidental death : 
    In case of death in an Air accident, your nominated kin will receive a compensation of Rs.30 lakhs
    If you are a Business Regalia First card holder, Click Here to update your nominee details.
    Emergency Overseas Hospitalization:
    Protection worth up to Rs.10 lakhs against any medical emergency when you are travelling, and are outside your home country
    HDFC Ergo General Insurance Company 
    Reach @ + 800-0825-0825 (Global toll-free) and 0120 - 4507250

    Claim Documents to be sent to 
    HDFC Ergo General Insurance Company Ltd
    5th Floor, Tower 1, Stellar IT Park, C-25, Sector- 62, Noida - 201 301
    *Terms & Conditions
    • Not Applicable for NRI Business Regalia First Credit Card
    • All the above insurance covers are available to the Primary card holder only.
    • Air Accident cover will be activated if the tickets are purchased using Business Regalia First Credit Card.
    • Travel Insurance provided under the policy shall not be valid for procuring a travel visa.
    • Travel Insurance provided shall be valid for International Travel only.
    • Maximum Trip Duration is restricted to 30 Days.
    • The insurance benefit is applicable for the primary card holders only
    • Please note that all the above insurance covers will be available only after the Cardmember activates his/her Business Regalia First Credit Card.
    • Activation is defined as ‘first purchase at a retail outlet or cash withdrawal from an ATM using the Business Regalia First Credit Card’.
    • These insurance covers are not provided by HDFC Bank. Additional Exclusions / Limitations are applicable as per the policy of the insurance company with whom HDFC Bank has tied up for providing these covers. Please contact the insurance company for detailed T&Cs.


What are the fees and charges applicable to a Business Regalia First Credit Card ?

Please click here to view the fees and charges applicable on your Business Regalia First Credit Card

Goods and Services Tax (GST)

  • Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
  • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
  • GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
  • GST levied will not be reversed on Any dispute on Fee & Charges / interest.


Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

What are the benefits of a Chip Card?

Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.


How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

  • Step1: Tap the card in a POS terminal
  • Step2: Enter the amount
  • Step3: Do not remove the card till the charge-slip is printed
  • Step4: Take the customer's signature on the charge-slip


Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.


Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Credit Card Bills
HDFC Bank Account

How does this facility help me in paying my Credit Card bills?

This facility enables you to pay your HDFC Bank Credit Card bills online from any of your non-HDFC Bank accounts. You can choose from over 49 banks part of this facility.

 

Is my bank included as part of this facility?

Click Here to check if your bank is included for this facility.

 

How do I make the payment online?

You will require the NetBanking login ID and password of your non-HDFC Bank account for making the payment. Simply click here and follow the steps.

 

Will I get a confirmation on successful transaction?

After the payment is made, you will be shown an acknowledgement screen, which will display the status of the transaction. This will show 'SUCCESS' in case of successful transactions and 'FAILURE' in case of failed transactions. This screen will also contain the transaction reference number. Please note this down and quote this in case of any transaction queries. An email acknowledgement will be sent to your email ID, only if you have furnished your email ID while making the payment.

 

How long will it take for the amount to be credited to my HDFC Bank Credit Card?

The amount authorised by you will be credited to your HDFC Bank account within 2 working days. (Please exclude weekends and bank holidays).

 

What should I do if I’ve entered the wrong Credit Card number?

In order to ensure accuracy, we insist that the card number is entered twice and checked before authorising the payment. However in the rare scenario that a payment is made to a wrong Credit Card account, we request you to call our Customer Care Centre.

 

If the bank I would like to pay from does not feature in the list, what should I do?

It is our constant endeavour to add more banks to this service and make things easy for you. However, if your bank is not listed, you can make the payment using NEFT using IFSC code HDFC0000128.

Diners Club Black

What is a welcome membership benefit?

HDFC Bank Diners Club Black Credit card members are eligible for annual memberships of the following partners - Club Marriott, MMT Black, Swiggy One, Amazon Prime, Times Prime Smart, Forbes Digital subscription, as a welcome benefit upon achieving spends of 1.5 lakhs within the first 90 days or upon joining fee realisation. Card member will receive the benefits within 30 days of meeting eligibility condition.

What is an annual membership benefit?

An HDFC Bank Diners Club Black Credit Card member upon achieving annual spend milestone of Rs. 8 Lakhs, is eligible for annual memberships of the following partners - Club Marriott, MMT Black, Swiggy One, Amazon Prime, Times Prime Smart, Forbes Digital subscription.

Please note – Card member will receive the benefits within 30 days of card anniversary date.

What is a monthly milestone benefit?

An HDFC Bank Diners Club Black Credit Card member member upon achieving monthly spend milestone of Rs 80,000/-, is eligible for any two vouchers from choice of Ola select monthly membership, Curefit monthly membership, BookMyShow voucher worth Rs. 500 and TataCLiQ voucher worth Rs. 500.

Please note – Card member will receive the benefits within 30 days of completion of the month. The transaction settlement date is considered for calculating the eligibility of this offer and not transaction date.

How do card members get to know if they have won the memberships or monthly milestone benefit?

All winners will receive an email and sms communication within the TAT providing a link to download the benefits. Card member can go to the link, validate with the registered mobile no and first 4 – last 4 digits of card and can download the eligible benefits.

What are the Reward Points benefits on the card?

A card member can earn 5 Reward Points on every Rs. 150 spent. Redeem their accumulated Reward Points against air tickets, hotels, and international experiences at 1 reward point = 1 rupee, and gifts from our catalogue at 1 reward point = 0.50 Paise by visiting https://offers.smartbuy.hdfcbank.com/diners

Are there any accelerated reward offers on the card?​​​​​​​

  • Get 10X Reward Points on selected Diners 10X Partners & upto 10X RP on SmartBuy. ​​​​​​​
  • Be it travel, shopping, entertainment or groceries, now you have more ways to earn upto 10X Rewards with your HDFC Bank Diners Club Credit Card. Now enjoy upto 10X Reward Points on all purchases in SmartBuy while you Compare and Shop, Compare and Fly and shop with brands like Flipkart, Amazon, redBus, Cleartrip & Yatra, etc. on SmartBuy.

Maximum cap on the incremental Rewards on Diners 10X Partner is 25000 & on SmartBuy is 7500 in a month

Please check www.hdfcbankdinersclub.com for monthly update.

  • 2X Reward Points is applicable on spends at standalone restaurants during weekends. Maximum cap for 2X on weekend dining for a card member is 1000 Reward Points per day

What is the lounge access benefit on my card?

Diners Club Black card members can enjoy unlimited complimentary airport lounge access to over 1000 partner lounges worldwide. Lounge visit is complimentary for both primary and add-on Card holders.

Please note: Add-on card member must present the add-on card at the lounge for the benefit.

What is the golf program on my Diners Black card?

Card member can enjoy access to leading golf courses in India and overseas and enjoy complimentary golf games (6 per quarter) across the finest courses in the world along with 24x7 booking assistance by calling concierge.

Are there any dining and wellness related offers on the card?

Yes. As an HDFC Bank Diners Club Black Credit Card customer, you can enjoy exclusive discounts at leading spas, salons, gyms etc. Also enjoy up to 15% discount on select dining experiences. Access 3000+ fine dining offers across the country and 1,400+ offers with partners in over 70 different countries.

For wellness benefits visit: https://hdfcbankdinersclubwellness.poshvine.com/

For dining benefits visit: https://offers.smartbuy.hdfcbank.com/deals

What all services can I avail from CONCEIRGE?

Diners Club Black card members can get global services at its finest from the concierge desk. Services like Airport VIP service (meet-and-greet), International gift delivery and shopping services, Private dining assistance, Itinerary and event planning along with reservation assistance etc.

Concierge Services Desk: Toll-free: 1800-118-887 | Landline: 022 4232 0226

What are the interest rates, insurance benefits and other charges on my Diners Black card?

  • Air accident cover of 2 crores
  • Emergency overseas hospitalization: Rs 50 Lakhs
  • Credit liability cover of upto Rs 9 Lakhs
  • Travel Insurance cover of upto Rs 55000 on baggage delay (Capped to $10 per hour restricted to 8 hours)
  • Lowest revolving credit interest rate of 1.99% per month
  • Fuel surcharge waiver of 1% (Max waiver of Rs 1000 per statement cycle)
  • Low Foreign Currency Markup fee of 1.99%

Am I eligible for a HDFC Bank Diners Club Black credit card? If yes, what is the fee applicable on my card?

Eligibility Criteria: You are eligible for HDFC Bank Diners Club Black Credit Card based on the following:

  • Age: Min 21 yrs & Max 60 yrs; and Income: Net Monthly Income > Rs 1.75 Lakhs per month for salaried customers
  • Age: Min 21 yrs & Max 65 yrs; and Income: ITR > Rs 21 Lakhs per annum for self-employed customers

Fees and Charges:

HDFC Bank Diners Club Black credit card has an annual Membership fee of Rs. 10000 + Applicable Taxes.

Upon annual spend of Rs. 5 Lakhs, Enjoy Renewal Fee waiver for next renewal year.

To know more, please visit https://www.hdfcbankdinersclub.com/diners-club-black

Diners Club Premium

How do I earn reward points on the card?

A card member can earn 4 Reward Points on every Rs. 150 spent on the card.

- 10X reward points on Diners 10X partners (Max Cap of 5000 in a month) - Rewards Points will not be accrued for fuel transactions - EasyEMI and e-wallet loading transactions will not accrue Rewards Points.

- Rewards Points accrued will be reversed if a retail transaction is converted into SmartEMI.

- Rewards Points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

How do I redeem the accumulated Reward Points?

o Redeem reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com. (1 Reward Point = Rs. 0.5)

o You can also redeem Reward Points for AirMiles across Jet Airways (JPMiles), or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.50 AirMile)

o Or Redeem Reward Points on exclusive reward redemption catalogue for HDFC Bank Diners Club Premium Credit Card by visiting ttps://offers.smartbuy.hdfcbank.com/diners

o For flight and hotel bookings, card members can redeem up to maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.

o Points accumulated on the card can also be redeemed as CashBack basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.

Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption

Redemption will happen in multiples of Rs 500

Through PhoneBanking

You shall contact our PhoneBanking number to redeem the points through call


Through POST

You can download the form


The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards

Division PO BOX # 8654

Thiruvanmiyur P.O.

Chennai 600 041


What is the renewal benefit on the card?

- Enjoy Renewal Benefit of 2500 Reward Points on your HDFC Bank Diners Club Premium credit card upon realization of renewal fee. Renewal Benefit of 2500 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.


What is the lounge access benefit on my card?

HDFC Bank Diners Club Premium card members can enjoy 6 complimentary airport lounge access to over 1000 partner lounges worldwide in a calendar year. Lounge visit is complimentary only for primary card holders. Please visit the website for list of lounges.

All visits exceeding the complimentary limit will be charged at the prevailing lounge rate inclusive of taxes.

These charges will be billed on your subsequent statement within 60 days of date of visit. Currency conversion rate is applicable as on the date of settlement


What all services can I avail from the conceirge?

All your travel booking needs will be taken care by the concierge. Enjoy exclusive 24/7 Concierge Services by simply calling: 1800 209 4006 (Toll Free)


Are there any dining related offers on the card?

Yes. As an HDFC Bank Diners Club Premium Credit Card customer, you can enjoy up to 15% discount or other benefits at the finest restaurants. With exclusive offers and rewards in every bite, gift yourself and your family an enjoyable dining experience.


Click here to locate offers near you


Global Dining Offers

Revel in special Diners Club rewards and world-class experiences in dining, travel and entertainment. Diners Club Privileges has more than 1,400 offers with partners in over 70 different countries to enhance every leg of your journey.


Click here to locate Diners Club Privileges


What are the interest rates, insurance benefits and other charges on my Diners Premium card?

• Air accident cover of 1 crore

• Medical emergency insurance cover of up to ₹ 25 lakhs

• Credit liability cover of upto Rs 9 Lakhs

• Travel Insurance cover of upto Rs 55,000 on baggage delay (Capped to $10 per hour restricted to 8 hours)

• Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee is applicable only for fuel transactions between Rs. 400 to Rs. 5000(Maximum waiver of INR 500 per statement cycle)

• Low Foreign Currency Markup fee of 2%


Credit :

Revolving Credit Interest rate of 3.49% per month will be charged on any outstanding amount carried beyond the bill due date


What is the First year and renewal Membership Fee on my card?

HDFC Bank Diners Premium credit card has an annual Membership fee of Rs. 2500 + Applicable Taxes.

Upon annual spend of Rs. 3 Lakhs, enjoy Renewal Fee waiver for next renewal year.

Renewal Benefit of 2500 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.

Please click here to know most important terms and conditions and schedule of charge. P

To know more, please visit https://www.hdfcbankdinersclub.com/diners-club-premium

Diners Club Rewardz

How do I earn reward points on the card?

A card member can earn 3 Reward Points on every Rs. 150 spent on the card.

- 10X reward points on Diners 10X partners (Max Cap of 2000 in a month) - Rewards Points will not be accrued for fuel transactions - EasyEMI and e-wallet loading transactions will not accrue Rewards Points.

- Rewards Points accrued will be reversed if a retail transaction is converted into SmartEMI.

- Rewards Points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.


How do I redeem the accumulated Reward Points?

  • Redeem reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com. (1 Reward Point = Rs. 0.3)
  • You can also redeem Reward Points for AirMiles across Intermiles or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.30 AirMile)
  • Or Redeem Reward Points on exclusive reward redemption catalogue for HDFC Bank Diners Club Rewardz Credit Card by visiting https://offers.smartbuy.hdfcbank.com/diners
  • For flight and hotel bookings, card members can redeem up to maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.
  • Points accumulated on the card can also be redeemed as CashBack basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.

Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption

Redemption will happen in multiples of Rs 500

Through PhoneBanking

You shall contact our PhoneBanking number to redeem the points through call


Through POST

You can download the form


The letter may be sent to the following address: Click here for Terms & Conditions

HDFC Bank Cards

Division PO BOX # 8654

Thiruvanmiyur P.O.

Chennai 600 041


What is the renewal benefit on the card?

- Enjoy Renewal Benefit of 1000 Reward Points on your HDFC Bank Diners Club Rewardz credit card upon realization of renewal fee. Renewal Benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.


What all services can I avail from the conceirge?

All your travel booking needs will be taken care by the concierge. Enjoy exclusive 24/7 Concierge Services by simply calling: 1800 209 4006 (Toll Free)


What are the interest rates and other charges on my Diners Rewardz card?

  • Low Foreign Currency Markup fee of 2%

Credit :

Revolving Credit Interest rate of 3.49% per month will be charged on any outstanding amount carried beyond the bill due date


What is the First year and renewal Membership Fee on my card?

HDFC Bank Diners Rewardz credit card has an annual Membership fee of Rs. 1000 + Applicable Taxes.

Upon annual spend of Rs. 1 Lakh, enjoy Renewal Fee waiver for next renewal year.

Renewal Benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.

Please click here to know most important terms and conditions and schedule of charge. Please click here to know most important terms and conditions and schedule of charge

To know more, please visit https://www.hdfcbankdinersclub.com/diners-club-rewardz

Corporate Platinum

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

How can I change / update address on my Corporate Credit Card ?

You can change / update the Address by writing an email to the regional corporate assist team. You can also change it online by logging on to the HDFC Bank Corporate Portal. 
 

RegionEmail ID
North[email protected]
West[email protected]
South[email protected]
East[email protected]
Payment Apportionment mails (PAN India)  [email protected]

 

OR

You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards 

Fill in the details in the form and send it to:
Manager, HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041.

Corporate Visa Signature

How can I change / update address on my Corporate Credit Card ?

You can change / update the Address by writing an email to the regional corporate assist team. You can also change it online by logging on to the HDFC Bank Corporate Portal. 
 

RegionEmail ID
North[email protected]
West[email protected]
South[email protected]
East[email protected]
Payment Apportionment mails (PAN India)  [email protected]

 

OR

You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards 

Fill in the details in the form and send it to:
Manager, HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041.

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

Corporate World MasterCard

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

How can I change / update address on my Corporate Credit Card ?

You can change / update the Address by writing an email to the regional corporate assist team. You can also change it online by logging on to the HDFC Bank Corporate Portal. 
 

RegionEmail ID
North[email protected]
West[email protected]
South[email protected]
East[email protected]
Payment Apportionment mails (PAN India)  [email protected]

 

OR

You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards 

Fill in the details in the form and send it to:
Manager, HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041.

Corporate Premium Card

How can I change / update address on my Corporate Credit Card ?

You can change / update the Address by writing an email to the regional corporate assist team. You can also change it online by logging on to the HDFC Bank Corporate Portal. 
 

RegionEmail ID
North[email protected]
West[email protected]
South[email protected]
East[email protected]
Payment Apportionment mails (PAN India)  [email protected]

 

OR

You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards 

Fill in the details in the form and send it to:
Manager, HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041.

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

Purchase Card

How can I change / update address on my Purchase Credit Card ?

You can change / update the Address by writing an email to [email protected]. You can also change it online by logging on to the HDFC Bank Corporate Portal.

OR

You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards 

Fill in the details in the form and send it to:
Manager, HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO
Chennai - 600 041.

Business Regalia

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

World MasterCard

How to redeem the reward points?

  • Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
  • Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
  • Redemption will happen in multiples of Rs 500 

 

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

 

Through POST
You can download the form

 

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards 
Division PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

IndianOil HDFC Bank Credit Card

FEATURES AND BENEFITS RELATED:

  1. What are Fuel Points?

    Fuel Points are an exclusive Rewards metric system created only for IndianOil HDFC Bank Credit Cardholders. You earn Fuel Points on retail spends you make through your IndianOil HDFC Bank Credit Cards and accelerated Fuel Point accrual on key categories like your Fuel spends (Only* at IndianOil Retail outlets), Groceries and Utilities as mentioned in the Product Features and Benefits

    *Accelerated 5% Fuel Points benefit will be given only for transactions done at -IndianOil Retail Outlets.

Please note that Fuel points will be posted as Reward Points only.

  1. Can I get Fuel Point on all spends?

    Fuel Points can be accrued on all kinds of Retail Spends that include both Online and Point of Sale (PoS) transactions. However, there are few kinds of transactions for which you will not get Fuel Points. They are:

  • Fuel transactions at other petrol pumps

  • Any kind of wallet-loading

  • On Returned purchases, disputed or unauthorized/fraudulent transactions

  • EMI Transactions

  • Account Fees and Payment

  • Purchase of jewellery/gold coins or its equivalents


  1. How do I check my balance Fuel Points?

    Fuel Points accrued on all eligible transactions posted within the calendar month will be added up and credited on the 1st of the next calendar month. Please note that maximum capping will be applied before crediting them.

    A. You can check the Fuel Points accrued for the previous calendar month’s transactions posted on the current month statement shared with you (Physical or E-statement)

    B. You can also check by Logging into:

    NetBanking -> Cards Tab -> Click on “Enquiry” -> Reward Points Redemption -> Choose your IndianOil HDFC Bank Credit Card Number -> View total Fuel Points accrued


  1. How do I calculate Fuel Points on my spends?

    Fuel points are calculated on the spends made within the calendar month and the transactions made within the statement cycle to statement cycle. To check for the Fuel Points accrued, refer to your current Statement and your previous statement.

    For example: Your Statement is received on every 18th of the month. The Fuel Points accrued for your transactions from 1st of August till 31st of August will be calculated and posted on the 1st of September and the same can be seen when you receive your statement on 18th of September. For calculating the same on your own, refer to your August month statement and your September month statement. Below shows an illustration on how to calculate:


AUG STATEMENT



NO

TXN DATE

TXN AT:

AMT (In Rs.)

RP TYPE: 5% OR GENERAL

RP ACCRUED

COMMENTS

1

20th July

Restaurant Bill Payment

900

1 RP for every Rs. 150 spent

6

Don't consider this transaction. RP for this will be posted on 1st Aug and shown in your 18th Aug statement

2

27th July

Flipkart online

500

1 RP for every Rs. 150 spent

3

Don't consider this transaction. RP for this will be posted on 1st Aug and shown in your 18th Aug statement

3

30th July

Groceries - Online

400

5% RP

20

Don't consider this transaction. RP for this will be posted on 1st Aug and shown in your 18th Aug statement

4

1st Aug

IndianOil Outlet

1500

5% RP

75

Consider this Txn

5

5th Aug

Amazon

2000

1 RP for every Rs. 150 spent

13

Consider this Txn

6

11th Aug

Post Paid Bill payment

700

5% RP

35

Consider this Txn

7

16th Aug

Myntra Online Shopping

600

1 RP for every Rs. 150 spent

4

Consider this Txn



SEPT STATEMENT





NO

TXN DATE

TXN AT:

AMT (in Rs.)

RP TYPE: 5% OR GENERAL

RP ACCRUED

COMMENTS

1

20th Aug

Electricity Bill Payment

1200

5% RP

30

Consider this Txn

2

26th Aug

Swiggy

300

1 RP for every Rs. 150 spent

2

Consider this Txn

3

30th Aug

Groceries - Online

1000

5% RP

50

Consider this Txn

4

2nd Sept

IndianOil Outlet

1500

5% RP

75

Don't consider this transaction. RP for this will be posted on 1st Oct and shown in your 18th Oct statement

5

4th Sept

Water Bill Payment

400

5% RP

20

Don't consider this transaction. RP for this will be posted on 1st Oct and shown in your 18th Oct statement

6

13th Sept

Restaurant Payment

1000

1 RP for every Rs. 150 spent

6

Don't consider this transaction. RP for this will be posted on 1st Oct and shown in your 18th Oct statement


TOTAL RP POSTED FOR ALL ELIGIBLE AUGUST MONTH TRANSACTIONS ARE:

209


  1. I have spent more than Rs. 5000 on Petrol/Diesel/CNG in a calendar month. However, why I received only 150 FP. Why?

    Please Note that there is a monthly capping on Fuel Points accrued on the below mentioned spends.

  • Spends at IndianOil Outlets –

    Monthly Max cap for the first 6 months from card issuance: 250 FP

    Monthly Max cap post 6 months: 150 FP
  • Spends on Groceries – Monthly Max cap: 100 FP

  • Spends on Utilities and Bill Payments – Monthly Max cap: 100 FP


  1. I bought items from Amazon which along included vegetable oil as well. Why didn’t I get 5% FP on this transaction?

    Eligibility for Fuel Points on transaction is basis the Merchant Category Code (MCC) captured for the transaction. Only those MCCs recognized and considered by Partner Networks (Visa/RuPay) for the above mentioned categories will accrue 5% Fuel Points (FP). If your transaction didn’t accrue any FP, it is because it is not recognized as Fuel/Groceries/Utilities/Bill Payment as per standard Merchant Category Code


  1. What is IndianOil XTRAREWARDSTM PROGRAM that is mentioned in the Product Features?

    IndianOil XTRAREWARDSTM PROGRAM is an exclusive Loyalty Rewards Program owned and run by Indian Oil Corporation Ltd. This Loyalty program rewards the customers enrolled with them by awarding XTRAREWARDTM Points (XRP) on every transaction at any IndianOil Retail Outlet and also allowing the Customer to redeem these accrued Points at participating IndianOil Retail Outlet for free fuel.

    For more details on this program, visit, https://www.xtrarewards.com

    IndianOil HDFC Bank Credit Cardholders will get this Membership automatically and for free along with their credit cards. Your Membership will stay valid even after close of this Card or upgrade/migration to another HDFC Bank Credit Card. However, you will no longer be able to convert Fuel Points to XTRAREWARD Points for Fuel Redemption.


  1. Should I register for XTRAREWARDSTM Program? If so, how to I enroll myself for it?


  • IndianOil HDFC Bank Credit Cardholders are automatically and mandatorily registered with IndianOil XTRAREWARDSTM Program during the time of Credit Card issuance.
  • Once the Customer is automatically registered, you will receive an SMS on your registered mobile number from IndianOil, with the confirmation of your XTRAREWARDSTM Program account successfully been created along with an XTRAREWARDSTM Customer ID (XR CID).
  • In case you haven’t received the confirmation SMS within 5 business days of receiving your Credit Card, please connect with the Bank for resolution.

Post creation of your XR CID, you could also install “IndianOil ONE” App from Android Play Store or IOS App store (Not mandatory) to help keep track of your XRP Balance and Transactions

Note: XR CID is created by Indian Oil for the purpose of redeeming points against free fuel. This is different from the Customer ID maintained with the Bank.



  1. What If I wish to cancel my membership with IndianOil XTRAREWARDS Program?

    Having Customer ID with XTRAREWARDS Program is necessary since without this membership, you cannot convert Fuel Points accrued on your credit card into XTRAREWARDTM POINTS and use them at IndianOil Fuel Outlets for free fuel redemption. Also, having this XR CID is critical to receive information or any status update on your XTRAREWARDSTM Program account with IndianOil.


  1. I already have an existing XTRAREWARDS Program Customer ID. Can I still apply for an IndianOil HDFC Bank Credit Card?

    Yes. You can still apply for an IndianOil HDFC Bank Credit Card. In this case, instead of creating a new XR CID, your existing XR CID will be merged with this program and you can start converting Fuel Points into XRP and use XRP to redeem free fuel at participating IndianOil Fuel Outlets.

    NOTE:

  • Make sure that your Mobile Number registered with the Bank is the same as the mobile number registered with IndianOil XTRAREWARDSTM Program

  • In case the registered Mobile Number with the Bank is different from the one registered with IndianOil XTRAREWARDSTM Program, or for any questions or help, you can seek assistance through:

CALL CENTRE: 1800 22 8888 (Toll-free)

IVR HELP LINE: 1800 22 4111 (Toll-free)

E-MAIL: help@xtrarewards.com


FUEL POINTS REDEMPTION BASED FAQS:

  1. How do I redeem FP for free fuel?

    To redeem Fuel Points for Free Fuel,

  • Convert your accrued Fuel Points into XTRAREWARDTM Points (XRP)

  • Use XRP at participating IndianOil Outlets for free fuel

To locate your nearest IndianOil Petrol Outlet, click here

Click here to know more


  1. I had logged into NetBanking to convert my Fuel Points into XTRAREWARDSTMPOINTS. My Fuel Points got deducted from my Card Account but I still haven’t received my XTRAREWARDSTM POINTS. What do I do?

    Please ensure that your latest mobile number is updated on IndianOil XTRAREWARDSTM Membership, else your redemption will not get processed successfully.

    In case of any questions or help, you can seek assistance through:

    CALL CENTRE: 1800 22 8888 (Toll-free)

    IVR HELP LINE: 1800 22 4111 (Toll-free)

    E-MAIL: help@xtrarewards.com

With respect to Fuel Points, if your XTRAREWARDSTM POINTS are not credited to your XTRAREWARDSTM Program Account within 72 hours, then your Fuel Points will be credited back into your Credit Card account within 7-10 business days

XRP can be tracked on https://www.xtrarewards.com or from the POS Terminal at the participating IndianOil Retail Outlet. You can also SMS a query XRP <IOCL XRP Card No> to 9223177998. Alternatively, you can also check your XRP Balance from IndianOil ONE app


  1. Can I make partial payments using XTRAREWARD POINTSTM?

    Yes, Post verifying that the IndianOil Retail outlet is a Participating Outlet, check with the Merchant on Payment option using XTRAREWARDTM POINT. Redemption process flow is mentioned in Q2. If you are unable to pay your fuel bill entirely through XTRAREWARDTM POINTS (XRP), Then you can partially pay through XRP and partially through your IndianOil HDFC Bank Credit Card.


11. How do I maximize benefit from the IndianOil HDFC Bank Credit Card?

  • Click here to view Value Chart of IndianOil HDFC Bank Credit Card.
6E Rewards - IndiGo HDFC Bank Credit Card

What is a 6E Prime addon voucher?

6E Prime addon voucher provides for a choice of seat,Meal Combo , priority check-in and quicker baggage clearance .

What are the key features of the 6E Rewards-IndiGo HDFC Bank Credit Card?

- 2.5% 6E Rewards on spends done on IndiGo website & app

- 2% 6E Rewards on spends done on Grocery, Dining & Entertainment

- 1% 6E Rewards on all other spends (excl. Fuel, wallet re-loads)

- Up to 10% 6E Rewards on IndiGo’s feature partners

**Cardholders accrue 6E Rewards for every Rs 100 spent on the card

What are the feature partners on 6E Rewards-IndiGo HDFC Bank Credit Card?

Cardholders accrue accelerated 6E Rewards on transacting on feature partners using the card. For more details on feature partners

https://www.goindigo.in/6e-rewards.html#Source=HDFC&mobileNo=9

What are the other benefits on the 6E Rewards-IndiGo HDFC Bank Credit Card?

1% Fuel Surcharge Waiver up to Rs.250 per billing cycle

Convenience Fee on booking IndiGo flights – Rs.100 per pax (current – Rs.250)

Who is eligible for a 6E Rewards-IndiGo HDFC Bank Credit Credit Card?

For Salaried Indian national

  • Age: Min 21 years & Max 60 Years

  • Gross Monthly Income> Rs 20,000

For Self Employed Indian national

  • Age: Min 21 years & Max 65 Years

  • Income: ITR > Rs 6 Lakhs per annum

What are the Fees and Charges applicable on the 6E Rewards-IndiGo HDFC Bank Credit Card?

Joining/Renewal Membership Fee – Rs. 700/- + Applicable Taxes

Note: 6E Rewards program membership will be discontinued on non-payment of membership fee within 90 days

NOTE: For card sourced starting 01-11- 2020, Below T&Cs are applicable  

1. The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.

How do I avail the 6E Prime Add-On and what is the validity of the Add-On?
The 6E Prime Add-On will be made available to the card members on payment of Card Membership Fee. The customers will get the Add-On voucher online, in their 6E Rewards Account on IndiGo’s 6E Rewards platform available on www.goIndiGo.in.


How will a card member avail the IndiGo Air ticket on achieving the milestone of 3 transactions or more in each of the first 3 months?
The IndiGo Air ticket will be available after the end of about 4 months. The payment of Card Membership Fee is mandatory for the same and the Air ticket will be available in their 6E Rewards Account on IndiGo’s 6E Rewards platform available on www.goIndiGo.in.


Where will the card member earn and redeem 6E Rewards?
Card members will have all information related to their 6E Rewards in the 6E Rewards Account available on 6E Rewards platform at www.goIndiGo.in. Card members can check 6E Rewards earned in the 6E Rewards Account and also the amount of 6E Rewards that they can redeem.
Redemption of 6E Rewards will be available only on 6E Rewards platform. The 6E Rewards earned are credited within 90 days from the date of transaction on the card.
The redemption of 6E Rewards is governed by IndiGo and is in accordance with the Terms and Conditions of the 6E Rewards Program available on www.goIndiGo.in


What is the validity of the benefits/6E Rewards earned?
The validity for 6E Prime Add-On and IndiGo Air ticket is 6 months from the date when it is issued.
The validity for 6E Rewards earned is 2 years.
However, the validity of the benefits/6E Rewards is governed by the Terms and Conditions of 6E Rewards Program available on www.goIndiGo.in. For latest details on validity, please check the Terms and Conditions of 6E Rewards Program


I have applied for a Credit Card - would like to know the status?
Click here to check the status of your Credit Card application. You are required to input the 16 digit Application reference number and Mobile number or Date of Birth (DDMMYYYY)


I do not want statements to be sent to my mailing address. How do I stop the same?
We request you to download the physical statement suppression MID (Most Important Document) from HDFC Bank form centre and send the duly signed form to our correspondence address.
HDFC Bank Cards Division
PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

When should a customer fill a progressive dispute form?
Subsequent to submission of the CDF form, the bank intimates the merchant of the disputed transaction. The merchant then provides all the relevant documents to substantiate the respective transaction. Post inspection of all the relevant documents, if the customer is still not convinced, then the customer should fill and submit the progressive dispute form. 

Please click on link below to view the progressive dispute form
http://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

Why is the customer required to fill a Cardholder dispute form (CDF) to report transaction dispute?
As per master / visa guidelines, all Card holders should provide a duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank

Please click on link below to view the Cardholder dispute form.
http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

What is the time frame to report Credit Card transaction dispute?
Transaction dispute needs to be reported in writing within 30 days from the statement date in which the said transaction appears.
​​​​​​​

Have more questions, check our FAQs section

How do I use a Chip Card?
A merchant has to tap the Card in the POS terminal as opposed to swiping the Card.
Step1: Tap the Card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the Card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip
Can HDFC Bank Chip Cards be used as a normal Swipe Card?
Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.
Does HDFC Bank’s Chip Card contain a magnetic strip?
Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.


What are the benefits of a Chip Card?
A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.


Can a chip Card be used for online transactions?
Yes the chip Card can be used for online transactions, the Card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the Card can be used online.
What are the merchant categories wherein the Chip Card can be used?
The Chip Card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal Credit Card.


Which outlets have a chip terminal?
Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the Card can be swiped and transacted.


Can Chip Credit Cards be used anywhere?
Yes, your HDFC Bank Chip Credit Card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip Card into a POS Terminal. If you are using your Chip Card at a location that does not have a chip-enabled terminal, your Card will be swiped and the transaction will be completed with your signature as in case of a regular Card transaction.


How do I make a payment for a Chip Card?
You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular Card.


What in case the Card is lost / stolen?
You have to call the Credit Cards Customer Service, and report for stolen or lost Card. Other services like change of contact number, address, etc. can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen Card. 

Further if you happen to recover the Card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the Card.

​​​​​​​
​​​​​​​Click here to view Value Chart of 6E Rewards - IndiGo HDFC Bank Credit Card.

6E Rewards XL - IndiGo HDFC Bank Credit Card

What are the key features of the 6E Rewards XL-IndiGo HDFC Bank Credit Card?

- 5% 6E Rewards on spends done on IndiGo website & app

- 3% 6E Rewards on spends done on Grocery, Dining & Entertainment

- 2% 6E Rewards on all other spends (excl. Fuel, wallet re-loads)

- Up to 15% 6E Rewards on IndiGo’s featured partners

**Cardholders accrue 6E Rewards for every Rs 100 spent on the card

What are the feature partners on 6E Rewards-IndiGo HDFC Bank Credit Card?

Cardholders accrue accelerated 6E Rewards on transacting on feature partners using the card. For more details on feature partners

https://www.goindigo.in/6e-rewards.html#Source=HDFC&mobileNo=9

What are the other benefits on the 6E Rewards XL-IndiGo HDFC Bank Credit Card?

1% Fuel Surcharge Waiver up to Rs.500 per billing cycle

Convenience Fee on booking IndiGo flights – Rs.100 per pax (current – Rs.250)

What is the lounge access benefit on the card? 

6E Rewards XL-IndiGo HDFC Bank Credit Card members can enjoy upto 8 complimentary domestic airport lounge access within India per year (2 in a quarter)

Who is eligible for a 6E Rewards XL-IndiGo HDFC Bank Credit Card Credit Card?

For Salaried Indian national

  • Age: Min 21 years & Max 60 Years

  • Gross Monthly Income> Rs 1,20,000

For Self Employed Indian national

  • Age: Min 21 years & Max 65 Years

  • Income: ITR > Rs 14.4 Lakhs per annum

What are the Fees and Charges applicable on the 6E Rewards XL-IndiGo HDFC Bank Credit Card?

Joining/ Renewal Membership Fee – Rs.2, 500/- + Applicable Taxes

Note: 6E Rewards program membership will be discontinued on non-payment of membership fee within 90 days

NOTE: For card sourced starting 01-11- 2020, Below T&Cs are applicable  
1. The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.

How do I avail the 6E Prime Add-On and what is the validity of the Add-On?
The 6E Prime Add-On will be made available to the card members on payment of Card Membership Fee. The customers will get the Add-On voucher online, in their 6E Rewards Account on IndiGo’s 6E Rewards platform available on www.goIndiGo.in.


How will a card member avail the IndiGo Air ticket on achieving the milestone of 3 transactions or more in each of the first 3 months?
The IndiGo Air ticket will be available after the end of about 4 months. The payment of Card Membership Fee is mandatory for the same and the Air ticket will be available in their 6E Rewards Account on IndiGo’s 6E Rewards platform available on www.goIndiGo.in.


Where will the card member earn and redeem 6E Rewards?
Card members will have all information related to their 6E Rewards in the 6E Rewards Account available on 6E Rewards platform at www.goIndiGo.in. Card members can check 6E Rewards earned in the 6E Rewards Account and also the amount of 6E Rewards that they can redeem.
Redemption of 6E Rewards will be available only on 6E Rewards platform. The 6E Rewards earned are credited within 90 days from the date of transaction on the card.
​​​​​​​The redemption of 6E Rewards is governed by IndiGo and is in accordance with the Terms and Conditions of the 6E Rewards Program available on www.goIndiGo.in


What is the validity of the benefits/6E Rewards earned?
The validity for 6E Prime Add-On and IndiGo Air ticket is 6 months from the date when it is issued.
The validity for 6E Rewards earned is 2 years.
However, the validity of the benefits/6E Rewards is governed by the Terms and Conditions of 6E Rewards Program available on www.goIndiGo.in. For latest details on validity, please check the Terms and Conditions of 6E Rewards Program

I have applied for a Credit Card - would like to know the status?
Click here to check the status of your Credit Card application. You are required to input the 16 digit Application reference number and Mobile number or Date of Birth (DDMMYYYY)

I do not want statements to be sent to my mailing address. How do I stop the same?
We request you to download the physical statement suppression MID (Most Important Document) from HDFC Bank form centre and send the duly signed form to our correspondence address.
HDFC Bank Cards Division
PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

When should a customer fill a progressive dispute form?
Subsequent to submission of the CDF form, the bank intimates the merchant of the disputed transaction. The merchant then provides all the relevant documents to substantiate the respective transaction. Post inspection of all the relevant documents, if the customer is still not convinced, then the customer should fill and submit the progressive dispute form. 

Please click on link below to view the progressive dispute form
http://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf


Why is the customer required to fill a Cardholder dispute form (CDF) to report transaction dispute?
As per master / visa guidelines, all Card holders should provide a duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank

Please click on link below to view the Cardholder dispute form.
http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

What is the time frame to report Credit Card transaction dispute?
Transaction dispute needs to be reported in writing within 30 days from the statement date in which the said transaction appears.

Have more questions, check our FAQs section

How do I use a Chip Card?
A merchant has to tap the Card in the POS terminal as opposed to swiping the Card.
Step1: Tap the Card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the Card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip
Can HDFC Bank Chip Cards be used as a normal Swipe Card?
Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.
Does HDFC Bank’s Chip Card contain a magnetic strip?
Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.


What are the benefits of a Chip Card?
A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.


Can a chip Card be used for online transactions?
Yes the chip Card can be used for online transactions, the Card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the Card can be used online.


What are the merchant categories wherein the Chip Card can be used?
The Chip Card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal Credit Card.


Which outlets have a chip terminal?
Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the Card can be swiped and transacted.


Can Chip Credit Cards be used anywhere?
Yes, your HDFC Bank Chip Credit Card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip Card into a POS Terminal. If you are using your Chip Card at a location that does not have a chip-enabled terminal, your Card will be swiped and the transaction will be completed with your signature as in case of a regular Card transaction.


How do I make a payment for a Chip Card?
You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular Card.


What in case the Card is lost / stolen?
You have to call the Credit Cards Customer Service, and report for stolen or lost Card. Other services like change of contact number, address, etc. can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen Card. 

Further if you happen to recover the Card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the Card.

​​​​​​​Click here to view Value Chart of 6E Rewards XL - IndiGo HDFC Bank Credit Card.


Millennia

HDFC Bank Millennia Credit Card
Inspired Living, Ready for You


You live in the moment; Passion is what drives you; adventure is what you seek.
Yours is an inspired life, the Millennia Credit Card is Ready for You.

A) What are the key features of the Millennia Credit Card?
• 5% CashBack on shopping via PayZapp and SmartBuy*
• 2.5% CashBack on all online spends*
• 1% CashBack on all offline spends* and Wallet re-loads (not applicable on Fuel transactions)
• 8 Complimentary Domestic Lounge Access within India. 
• 1% Fuel Surcharge Waiver
*T&C apply. Please refer section D to know more


Get 2.5% CashBack on ALL transactions done using your Millennia Credit Card at BigBasket, BookMyShow, Grofers, Hotstar, IRCTC, Netflix, Ola, Swiggy, Uber & Zomato.
Limited period offer – Till 30th September 2020


B) How can I maximise benefits on my Millennia Credit Card?

  • Click here to view Value Chart of Millennia Credit Card.
    ​​​​​​​

C) What is RentPay?
RentPay is a facility to pay your monthly rent via your HDFC Bank Credit Card. This service is offered in affiliation with RedGiraffe. Complete a one-time online registration, and your monthly rent payments will get credited to your landlord’s bank account on a predetermined date. All this for a very nominal fee. Register at https://redgirraffe.com/hdfc/


What is the advantage of using RentPay?
• There is no room to forget your rent payment. You get 45-60 days of credit while the rent remains in the Savings account and earns you returns
• Earn Reward Points on each rent payment. 
• Your points earned on the HDFC Bank Millennia Credit Card can be redeemed as CashBack against your credit card statement (1RP = Rs.1)


D) What are the Welcome and Milestone benefits on the Millennia Credit Card?
• As a launch offer, you get ₹1000 worth gift vouchers on spends of ₹1, 00,000 and above in each calendar quarter for first year only.
• As a welcome gesture, you get a Welcome Benefit/Renewal Benefit of 1000 Cash Points (applicable only on payment of membership fee)
• If you spend ₹30,000 and above in the first 90 days, your first year’s membership fee will be waived off.
•Your renewal membership fee will be waived off if you spend ₹1, 00,000 and above in the first year


E) How can a customer earn CashBack on the Millennia Credit Card?
1. Earn 5% CashBack on spends done via PayZapp and SmartBuy
• As a launch offer, the maximum CashBack that can be accrued on your spends/shopping via PayZapp and SmartBuy will be Rs. 1000 per month for the first six months post issuance of the card.
• CashBack will be capped at Rs 750 per month after 6 months.
• Minimum transaction value to avail the CashBack is Rs 2000.
2. Earn 2.5% CashBack on Online Spends
• Earn CashBack up to a maximum of Rs 750 per month on all online shopping/ spends done on other websites/apps.
• Minimum transaction value to avail the CashBack is Rs 2000

3. Earn 1% CashBack on Other spends
• Earn 1% CashBack on offline spends, Wallet re-loads, point-of-sale spends and other swipes
• Maximum CashBack of Rs.750 per month (Not applicable on fuel transactions)
• Minimum transaction value to avail the CashBack is Rs 100

All CashBack benefits are also applicable on EasyEMI transactions


F) How can a customer use the CashBack earned?
• CashBack will be given in the form of CashPoints, which can be redeemed by the customer against the statement balance (on request only)
• The redemption against the statement balance will be at the rate of 1 CashPoint = Re.1, and can be done via Net Banking login, Phone Banking, or physical redemption form.
• The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints.
• CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto 0.30 (Rupee symbol)
• Unredeemed CashPoints will expire/lapse within 1 year of accumulation


G) What are the other benefits on the Millennia Credit Card?
• 1%Fuel Surcharge Waiver
• 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)
•  Complimentary MasterCard/Visa Lounge Access Program
• For Lounge visits within India, Millennia Primary Cardholders can avail 8 complimentary lounge access per calendar year (twice in a quarter) through Millennia MasterCard/Visa Credit Card Lounge program. 
• Swipe the Millennia Credit Card to avail the complimentary lounge access. 
• A transaction of Rs. 2 will be charged to the Credit Card for the Lounge Access
•  Exclusive Dining Privileges
• Experience the Good Food Trail Dining program at premium restaurants across top cities 


H) Who is eligible for a Millennia Credit Card?
Customer Profile Criteria
Salaried Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 25,000
Self Employed Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 6 Lakhs per annum


I) Can contactless transactions be done on the Millennia Credit Card?
The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Check for the contactless network symbol on the card plastic)

Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to Rs. 5000, the Card holder has to enter the Credit Card PIN for security reasons.


J) What are the Fees and Charges applicable on the Millennia Credit Card?
First Year Membership Fee – Rs. 1000/- + Applicable Taxes, Renewal Membership Fee – Rs. 1000/- + Applicable Taxes
Spend Rs. 1,00,000 in 12 Months and get Renewal Fee waived for next renewal year.
Goods and Services Tax (GST) 
Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions.
The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.


Infinia

Club Marriott Membership


• What is Club Marriott Membership?

It is a membership that provides below benefits to members on presentation of the Club Marriott Membership Card across Marriott Hotels in India and Asia Pacific region: 
• Up to a 20% off on the food and beverage bill at the restaurants for up to a maximum of ten (10) guests. Select hotels offer a 15% off up to a maximum of ten (10) guests. 
• Up to a 20% off on the Best Available Rates on rooms at participating Marriott hotels in India and on Weekend Rates in Asia Pacific. 
Apart from the above benefits, there are vouchers/certificates that are being sent along with the physical kit
ACCOMMODATION CERTIFICATES: These certificates are valid at participating Marriott Hotels in India only. 
• 2 certificates entitling the Member to an upgrade to the next category of rooms on Best Available Rate for a maximum of two (2) nights stay. Upgrade is subject to availability at the time of check-in.
• 2 certificates offering the Member a 30% off on accommodation on the Best Available Rate on the base category of rooms, valid for a stay of a maximum of two (2) consecutive nights per certificate. Reservations must be made in advance and are subject to room allocations. 

HEALTH AND SPA CERTIFICATES: These certificates are valid at participating Marriott Hotels in India only 

• 2 certificates entitling the Member to a 20% off on select treatments at the Spa from Monday to Friday. This benefit is valid for one guest.
The use of the certificates is governed by the terms and conditions mentioned on the back of each certificate.
Refer List of participating hotels at www.clubmarriott.in
For more details, Click Here
• In case of any support required on Club Marriott membership, whom does the customer need to contact?
Club Marriott membership once issued, the cardholder, needs to contact below coordinates for the support
Email: member.care@clubmarriott.in or Number: 1800 1021 030
The helpdesk will be operational from 9.30 AM to 6.00 PM from Monday to Saturday (excluding Public Holidays)
Golf Games and Lessons

• How can customer access the Golf Concierge assistance services?

Get 24-hour access to Golf Concierge Assistance services, 
call 011 – 022 4232 0226 / # Toll free: 1800 118 887 (India)
Priority Pass

• How can the customer apply / avail this membership?

Customer need not apply separately for the priority pass membership. It is included in the welcome kit


• Customer can’t find the list of participating lounges?

Customer can find the list of participating lounges in www.prioritypass.com


• Does he need to carry the priority pass card to get entry or is the HDFC bank credit card enough?

Yes, the priority pass card has to be present to avail the priority pass lounge programme. 
Unified Website

• Does the customer have to register online in order to use the HDFC Bank Infinia Portal?

Registration on the portal https://offers.smartbuy.hdfcbank.com/infinia is optional. Customer can access all the features and functionalities of the website without registration. However, all the transactions on the website need to be effected using the HDFC Bank Infinia Credit Card.
As a registered member, customer would get the following benefits:
Customer does not have to provide your details every time he uses the portal for bookings. He can view all his revenue and redemption bookings at one place.


• What should be done in case portal related issues - down-time/ booking failure/ any other error etc.?

The portal related issues may be due to network connectivity issues or any technical glitch. We advise the customer to visit the website after sometime in that case. If the issue persists he can call the concierge to lodge a complaint.
Toll Free No.: 1800 118 887 Landline No.: 022 42320226

Global Personal Concierge


• What are the services provided?

As an HDFC Bank Infinia Credit Card customer, you can customize your travel, entertainment, and business experiences with our Global Concierge Assistance. Here are some of the services provided by our concierge.

  • Golf Booking
  • Itinerary planning and reservation assistance
  • Private dining assistance
  • International gift delivery
  • Event planning and referrals
  • Airport VIP service (meet-and-greet) and much more.


• How can customer access the Concierge assistance service?

Customer can call up the concierge numbers below to book the service.
Toll Free No.: 1800 118 887 Landline No.: 022 42320226

Rewards Program

• What are the Terms and condition of Rewards points program?

  • Only eligible retail purchases qualify for accumulation of Reward Points
  • Reward points will not be accrued for fuel transactions
  • Reward Points are valid only for 3 years from the date of accumulation o E.g. Reward Points received in the month of June, 2015 will expire in June, 2018
  • EasyEMI and e-wallet loading transactions will not accrue Reward points
  • Reward points accrued will be reversed if a retail transaction is converted into SmartEMI
  • If the Credit Card is not used for more than 365 days, Reward Points accrued will be nullified
  • Reward points accrued for Insurance transactions will have a maximum cap of 5,000 per day
  • The capping of 10X Reward Points on Smartbuy program will be governed by the 10X program T&C 

Dining Privileges

• Will the customer get 2X reward points in all restaurants?

The customer gets 2X reward points on the dining spends (stand-alone restaurants only).


• What is Good Food trail dining program?

Customers can get upto a maximum of 40% discount at select partner restaurants. The customer will get the discount in the bill itself. Customer he has to inform the restaurant that he holds the card, and he is eligible for the discount, before the generation of invoice. Also he has to produce the card.


• Customer is not able to use the card overseas. What to do?

Please check, whether the card is enabled for international transaction. If not – please ask the customer to enable HIS CARD FOR INTNL TXN AND also set international limit on his credit card through HDFC Internet banking facility.

• What is the mark up fee charged on the Card for foreign transaction?

2% + GST
Contactless Mode of Payment


• Does Infinia credit card provide payment option through contactless card?

Infinia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN.

How do I know my card is contactless?

Please look out for the contactless sign on your credit card plastic

Insurance

• What are the benefits / cover provided?

AIR ACCIDENT: Cover of INR 3 Cr available to primary card holder
Cover is applicable in case the card holder shall sustain any air accident and suffer bodily injury resulting in death within 12 months of the accident. Also the air ticket has to be purchased using the HDFC Bank credit card.

EMERGENCY MEDICAL EXPENSES: Cover of up to INR 50 lac available to primary card holder
Covers any medical expenses because of any bodily Injury or sudden unexpected sickness and is only for international travel outside India.

• How can the customer apply for this?

Customer need not apply for the covers / benefits. It is offered by default to the Infinia customers. Customer needs to update their nominee details for the Air accident cover by filling up the Online BRE @ https://leads.hdfcbank.com/applications/webforms/apply/HDFC_NomineeDetails/Nominee.aspx

• How does the customer raise the claim?

The insurance partner for the above is HDFC Ergo and the customer needs to raise the claim directly with the insurance company. 

HDFC Ergo General Insurance Company 
Reach @ + 800-0825-0825 (Global toll-free) and 0120 - 4507250

Claim Documents to be sent to 
Address: A&H Claims Inward Team, HDFC Ergo GIC Ltd., 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri East. Mumbai 400059

• What are the Terms and Conditions?

Terms & Conditions – Mentioned in the policy document and on the product webpage.
The comprehensive travel protection is not applicable for NR cards
I have applied for a Credit Card - would like to know the status?
Click here to check the status of your Credit Card application. You are required to input the 16 digit Application reference number and Mobile number or Date of Birth (DDMMYYYY)

I do not want statements to be sent to my mailing address. How do I stop the same?
We request you to download the physical statement suppression MID (Most Important Document) from HDFC Bank form centre and send the duly signed form to our correspondence address.
HDFC Bank Cards Division
PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

When should a customer fill a progressive dispute form?
Subsequent to submission of the CDF form, the bank intimates the merchant of the disputed transaction. The merchant then provides all the relevant documents to substantiate the respective transaction. Post inspection of all the relevant documents, if the customer is still not convinced, then the customer should fill and submit the progressive dispute form. 

Please click on link below to view the progressive dispute form https://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

Why is the customer required to fill a Cardholder dispute form (CDF) to report transaction dispute?
As per master / visa guidelines, all Card holders should provide a duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank
Please click on link below to view the Cardholder dispute form. https://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

What is the time frame to report Credit Card transaction dispute?
Transaction dispute needs to be reported in writing within 30 days from the statement date in which the said transaction appears.

How do I use a Chip Card?

A merchant has to tap the Card in the POS terminal as opposed to swiping the Card.
Step1: Tap the Card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the Card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip


Can HDFC Bank Chip Cards be used as a normal Swipe Card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.


Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.


What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.


Can a chip Card be used for online transactions?

Yes the chip Card can be used for online transactions, the Card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the Card can be used online.


What are the merchant categories wherein the Chip Card can be used?

The Chip Card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal Credit Card.


Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the Card can be swiped and transacted.


Can Chip Credit Cards be used anywhere?

Yes, your HDFC Bank Chip Credit Card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip Card into a POS Terminal. If you are using your Chip Card at a location that does not have a chip-enabled terminal, your Card will be swiped and the transaction will be completed with your signature as in case of a regular Card transaction.


How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular Card.


What in case the Card is lost / stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost Card. Other services like change of contact number, address, etc. can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen Card. 

Further if you happen to recover the Card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the Card.

What is Dineout Passport Membership?

Dineout Plus has been upgraded to Dineout Passport - Dineout’s new dining program that offers:

  1. Minimum 25% off on the bill at 2000+ restaurants in 20 cities across the country

  2. 1+1 on Buffet at 200+ restaurants

  3. Benefits on Dineout Pay such as additional cashback and zero convenience fee

  4. Exclusive Access to Dineout Passport Experiences

  5. Early Access to events and festivals such as GIRF, Gourmetlicious, etc.

Who all are eligible for this offer?
All HDFC Bank Infinia credit cardholders are eligible for this offer.

How to avail this membership?
Cardholders will have to apply for Dineout Passport membership using link <hyperlink> . Re. 1 transaction will have to be made from Infinia Credit card for availing the membership.

How do I redeem Dineout Passport Membership benefits?

  1. It is a very simple process. You can just Walk-In any of partner restaurants of your choice and Dine-In. No prior reservation required.

  2. When you request your bill, you must notify the person attending to you that you want to redeem a Dineout Passport offer using your smartphone.

  3. Search for the restaurant within the Dineout app and tap redeem of Dineout Passport Offer. Be sure that the outlet is correct because some restaurants have offers that can be redeemed at more than one outlet.

  4. The app will ask for the restaurant's PIN. Simply ask the Server for the restaurant Dineout Passport PIN number to acknowledge and enter it on the app.

  5. Once done, you will get a confirmation notice on your screen on the successful redemption of the offer.

  6. The Server will most likely want to make a note of the transaction ID that appears on your screen so you should allow them to do this. If you accidentally moved past this then you can still see the redemption confirmation reference by going to your 'Redemption History'.

The Server will then prepare your bill with the discount applied. The restaurant will receive a receipt of the redemption by email and this will contain the same transaction ID for security purposes.


How can a cardmember enable Online, International and Contactless transactions?

Click here for detailed information’

EasyEMICard

1) What are the key features of the HDFC Bank EasyEMI Card?

  • Auto EMI conversion of spends equal to or above Rs 10,000 for a tenure of 9 months
  • 5% CashBack on shopping via PayZapp and SmartBuy*
  • 2.5% CashBack on all online spends*
  • 1% CashBack on all offline spends* and Wallet re-loads (not applicable on Fuel transactions)

*T&C apply. Please refer Question 4 to know more


2) What are the Welcome and Milestone benefits on the HDFC Bank EasyEMI Card?

  • Launch offer of Rs. 1000 worth gift vouchers on spends of Rs. 100,000 and above in each calendar quarter (This is a first year benefit only)
  • You will receive a Welcome Benefit/Renewal Benefit of 1000 CashPoints (applicable only on payment of membership fee)
  • Your first year’s membership fee will be waived off if you spend Rs. 20,000 and above in the first 90 days
  • Your renewal membership fee will be waived off if you spend Rs. 50,000 and above in the first year


3) How can I maximise my benefits on the HDFC Bank EasyEMI Card?

  • Click here to view Value Chart of EasyEMI Credit Card.


4) How can a customer earn cashback on the HDFC Bank EasyEMI Card?
I. Feature 1: Auto conversion to EMI on all transactions > Rs 10,000

  • The auto conversion will be done for all transactions >= Rs 10,000 as below

.i. Tenure – 9 months
.ii. ROI – 1.67% per month
.iii. PF – Rs 99 + taxes
.iv. All transactions >= Rs 10,000, other than Gold and Fuel, will be converted into EMI

II. Feature 2: Earn 5% cashback on spends done via PayZapp and SmartBuy

  • As a launch offer, the maximum CashBack that can be accrued on your spends/shopping via Payzapp and Smartbuy will be Rs. 1000 per month for the first six months post issuance of the card
  • Cashback will be capped at Rs 750 per month after 6 months
  • Minimum transaction value to avail the cashback is Rs 2000

III. Feature 3: Earn 2.5% cashback on Online Spend

  • Earn cashback up to a maximum of Rs 750 per month on all online shopping/ spends done on other websites/apps.
  • Minimum transaction value to avail the cashback is Rs 2000

IV. Feature 4: Earn 1% cashback on Other spends

  • Earn 1% CashBack on offline spends, Wallet re-loads, point-of-sale spends and other swipes
  • Maximum CashBack of Rs.750 per month (Not applicable on fuel transactions)
  • Minimum transaction value to avail the CashBack is Rs 100

All Cashback benefits are also applicable on EasyEMI transactions


5) How can a customer use the cashback earned?

  • CashBack will be given in the form of CashPoints, which can be redeemed by the customer against the statement balance (on request only)
  • The redemption against the statement balance will be at the rate of 1 CashPoint = Re.1, and can be done via Net Banking login, Phone Banking, or physical redemption form.
  • The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints
  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto 0.30 (Rupee symbol)
  • Unredeemed CashPoints will expire/lapse within 1 year of accumulation


6) What are the other benefits on the HDFC Bank EasyEMI Card?

  • 1%Fuel Surcharge Waiver

-- 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)

  • Exclusive Dining Privileges

--Experience the Good Food Trail Dining program at premium restaurants across top cities

  •  Additional EasyEMI offers across 1000+ merchants

7) How do I calculate Cash Points on my spends?

Cash points are calculated on the spends made within the calendar month. To check for the Cash Points accrued, refer to your current Statement and your previous statement.

For example: Your Statement is received on every 18th of the month. The Cash Points accrued for your transactions from 1st of January till 31st of January will be calculated and posted on the 1st of February and the same can be seen when you receive your statement on 18th of February. For calculating the same on your own, refer to your January month statement and your February month statement. Below shows an illustration on how to calculate:

JAN STATEMENT




NO

TXN DATE

TXN AT:

AMT (In Rs.)

CP TYPE: TXN CATEGORY

CP ACCRUED

COMMENTS



1

21th Dec

Restaurant Bill Payment

900

1% CP under Offline & Wallet

9

Don't consider this transaction. CP for this will be posted on 1st Jan and shown in your 18th Jan statement

2

26th Dec

Flipkart online via SmartBUY

4,000

5% CP under PayZapp & SmartBUY

200

Don't consider this transaction. CP for this will be posted on 1st Jan and shown in your 18th Jan statement

3

30th Dec

Groceries - Online

2,000

2.5% CP under Online Spends

50

Don't consider this transaction. CP for this will be posted on 1st Jan and shown in your 18th Jan statement

4

4th Jan

Rent Payment via PayZapp

10,000

5% CP under PayZapp & SmartBUY

500

Consider this Txn

5

7th Jan

Amazon online via SmartBUY

3,000

5% CP under PayZapp & SmartBUY

150

Consider this Txn

6

10th Jan

Restaurant Bill Payment

700

1% CP under Offline & Wallet

7

Consider this Txn

7

16th Jan

Myntra Online Shopping

3,000

2.5% CP under Online Spends

75

Consider this Txn


FEB STATEMENT






NO

TXN DATE

TXN AT:

AMT (in Rs.)

CP TYPE: TXN CATEGORY

CP ACCRUED

COMMENTS

1

20th Jan

Paytm Wallet load

1200

1% CP under Offline & Wallet

12

Consider this Txn

2

30th Jan

Groceries - Online

2000

2.5% CP under Online Spends

50

Consider this Txn

3

2nd Feb

Rent Payment via PayZapp

10,000

5% CP under PayZapp & SmartBUY

500

Don't consider this transaction. RP for this will be posted on 1st Mar and shown in your 18th Mar statement

4

4th Feb

Electricity Bill Payment via PayZapp

2500

5% CP under PayZapp & SmartBUY

125

Don't consider this transaction. RP for this will be posted on 1st Mar and shown in your 18th Mar statement

5

13th Feb

Restaurant Payment

1000

1% CP under Offline & Wallet

10

Don't consider this transaction. RP for this will be posted on 1st Mar and shown in your 18th Mar statement


TOTAL RP POSTED FOR ALL ELIGIBLE JAN MONTH TRANSACTIONS ARE:

794


7) Who is eligible for an HDFC Bank EasyEMI Card?

Customer ProfileCriteria
SalariedAge: Min 21 yrs & Max 60 Yrs, Income: Gross
Monthly Income> Rs 10,000
Self EmployedAge: Min 21 yrs & Max 65 Yrs, Income: ITR >
Rs 6 Lakhs per annum


8) Can contactless transactions be done on the HDFC Bank EasyEMI Card?

The HDFC Bank Easy EMI Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Check for the contactless network symbol on the card plastic)

Please note that in India, payment through contactless mode is allowed for a maximum of
Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to Rs. 5000, the Card holder has to enter the Credit Card PIN for security reasons.

9) What are the Fees and Charges applicable on the HDFC Bank EasyEMI Card?

  • First Year Membership Fee – Rs. 500/- + Applicable Taxes, Renewal Membership Fee – Rs.500/- + Applicable Taxes
  • Spend Rs. 50,000 in 12 Months and get Renewal Fee waived for next renewal year.

Goods and Services Tax (GST)

  • Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions.
  • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
  • GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
  • GST levied will not be reversed on Any dispute on Fee & Charges / interest.

=================================================
Terms & Conditions – Easy EMI

  • To know about SmartEMI, visit www.hdfcbank.com/smartemi
  • For EMI Calculator and monthly repayment schedule including GST, visit www.hdfcbank.com/emicalc
  • All transactions equal to and above the value of Rs 10,000 will be automatically converted to Easy EMI with 9 months tenure by default at 20% Rate of Interest, without any further consent from the customer
  • Processing Fee is Rs 99/- (Exclusive of GST for all loan amounts) is applicable for all Easy EMI loan conversions
  • The loan is sanctioned at the sole discretion of HDFC Bank Ltd.
  • For the First EMI, the Interest will be calculated from the loan booking date till the payment due date. This is applicable only for the First EMI of the loan, interest for the remaining EMI will be as per the statement cycle.
  • Your availing of the Easy EMI Credit card will be deemed to be your unconditional acceptance of the terms and conditions and you will be bound by the same.
  • Reward points will be credited for EMI transactions as per the regular product feature spend category terms & conditions
  • HDFC Bank reserves the right to decide the eligibility as per internal policy and guidelines.
  • Gold and Jewelry related transactions cannot be converted into Easy EMI due to internal policy guidelines.
  • Monthly payment dues will include EMI and GST on the interest amount of the EMI. Thismonthly payment due will be billed in the monthly statement starting from the immediate billing cycle date and be part of the Minimum Amount Due (MAD) appearing in your monthly
  • HDFC Bank Credit Card statement. Payment of MAD is required to keep your card regular.

Please note that
1. EMI = Principal Amount + Interest Amount
2. Monthly Loan Repayment = EMI + GST on Interest amount of EMI.
3. First EMI will include interest charged for a month irrespective of the loan disbursement date. Please refer to the Amortization schedule that will be sent after your loan is set up for details of principal amount & interest amount.
4. For EMI Calculator & monthly repayment schedule including GST, visit
www.hdfcbank.com/emicalc
5. Interest rate shown in NetBanking is per annum. In the EMI Calculator, choose Interest rate per annum and enter the interest rate shown in NetBanking.

  • The converted loan can be pre-closed. In case of pre-closure of the loan, a charge, currently 3% of the balance principal outstanding will be applicable. Tenure confirmed at the time of applying cannot be changed.
  • In case of pre-closure of the loan, a charge, currently 3% of the balance principal outstanding plus GST will be applicable.
  • Along with pre-closure charges, pro-rata interest applicable and credit card outstanding balance at the time of pre-closure have to be repaid for pre-closure of the loan.
  • Partial pre-payment or partial closure is not permitted on this loan.
  • As the pre-closure charge is subject to change, we request you to contact phone banking for the applicable charge if you decide to pre-close the Loan.

HDFC Bank reserves the right to revise the pre-closure penalty at its discretion. Additional interest if any on the principal outstanding from last statement date till date of loan pre closure need to be paid by customer.

  • Processing fees will be levied during the immediate billing cycle post loan processing.
  • GST is applicable on the following:
  • Interest amount of EMI on a monthly basis
  • Processing fees
  • Pre-closure charges
    Effective 1-Ju17-2017, GST is 18%, subject to change and will be applicable as per Govt.regulations

Goods and Services Tax (GST)

  • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If  POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
  • GST for FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
  • GST levied will not be reversed on Any dispute on Fee & Charges / interest.
    The loan once approved and processed cannot be cancelled.
  • Interest rate and processing fees confirmed at the time of applying will be applicable. The interest is calculated using the reducing balance method.
  • Processing fees will not be reversed under any circumstances.
  • The loan amount will be blocked against the credit limit.
  • If a Easy EMI transaction gets reversed by merchant or any other reason, customer needs to contact PhoneBanking and raise a request for loan cancellation within 15 days.
  • If your HDFC Bank Credit Card get closed before all the instalments have been charged, the loan outstanding will get debited to your card account.
  • In case of default in payment of EMI on the Due date, your loan account services shall be suspended along with the related credit card and could further be terminated from further usage. Notwithstanding anything stated above, the continuation of the loan shall be at the sole discretion of the bank and outstanding will be payable to the bank on demand.
  • HDFC Bank reserves the right at any time, without previous notice, to add, alter, modify, change or vary all or any of these terms and conditions or to replace wholly or in part this scheme by another offer, whether similar to the offer or not, or to withdraw it all together. You will not hold HDFC Bank responsible for, or liable for, any actions, claims, demands, losses, damages, costs, charges, expenses, which a participant may suffer, sustain or incur by the Offer. All disputes, if any, arising out of or in connection with or as a result of the Offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent Courts/Tribunals in Chennai only.

The terms and conditions contained in the Card Member Agreement apply over and above the terms and conditions for this Loan. In case you do not agree to any of the details above, or require any further assistance, please contact Phone Banking. To know more about other loan
on credit card, visit www.hdfcbank.com/loan

Diners Club Privilege

What is a welcome membership benefit?

HDFC Bank Diners Club Privilege card members are eligible for annual memberships of the following brands - MMT Black, Swiggy One, Amazon Prime, Times Prime Smart  as a welcome benefit upon achieving spends of 75,000 within the first 90 days or upon joining fee realisation. Card member will receive the benefits within 30 days of meeting eligibility condition.

Card member will receive the benefits within 30 days of first transaction completion.

What is an annual membership benefit?

A Diners Club Privilege card member upon achieving annual spend milestone of Rs. 5 Lakhs, is eligible for annual memberships of the following brands- MMT Black, Swiggy One, Amazon Prime, Times Prime Smart .

Please note – Card member will receive the benefits within 30 days of card anniversary date.


What is a monthly milestone benefit?

A Diners Club Privilege card member upon achieving monthly spend milestone of Rs 40,000/-, is eligible for any one voucher from choice of Ola select monthly membership, Cure.fit monthly membership, BookMyShow voucher worth Rs. 500 and TataCLiQ voucher worth Rs. 500.

Please note – Card member will receive the benefits within 30 days of completion of the month. The transaction settlement date is considered for calculating the eligibility of this offer and not transaction date.


How do card members get to know if they have won the memberships or monthly milestone benefit?

All winners will receive an email and sms communication within the TAT providing a link to download the benefits. Card member can go to the link, validate with the registered mobile no and first 4 – last 4 digits of card and can download the eligible benefits.


What are the reward points benefits on the card?

A card member can earn 4 Reward Points on every Rs. 150 spent. Redeem your accumulated Reward Points against air tickets, hotels, and international experiences at 1 reward point = 0.5 rupee, and gifts from our catalogue at 1 reward point = 0.35 Paise by visiting https://offers.smartbuy.hdfcbank.com/diners


Are there any other offers on the card?

Card member can earn 10X Rewards Points on Diners 10X Partners & cashback points by way of following:

  • Be it travel, shopping, entertainment or groceries, now you have more ways to earn 10X Rewards with your HDFC Bank Diners Club Credit Card. Now enjoy upto 5% cashback on all purchases in SmartBuy while you Compare and Shop, Compare and Fly and with brands like Flipkart, Amazon, redBus, Cleartrip & Yatra, etc.

Maximum Cap on reward points on Diners 10X Partner is 10,000 & Maximum cap on the cashback on SmartBuy is 2000 in a month

Please check www.hdfcbankdinersclub.com for monthly update.

  • 2X Reward Points is applicable on spends at standalone restaurants during weekend. Maximum cap for 2X on weekend dining for a card member is 500 Reward Points per day

The incremental Rewards/cashback will be posted within 90 days from the end of the calendar month in which the txn. is completed and settlement has happened at merchant end. Date of settlement will be considered for calculating the maximum cap. Minimum transaction value to be eligible for offer or reward points is Rs. 150


What is the lounge access benefit on my card?

Diners Club Privilege card members can enjoy 12 complimentary airport lounge access to over 1000 partner lounges worldwide. Lounge visit is complimentary for both primary and add-on Card holders.

Please note: Add-on card member must present the add-on card at the lounge for the benefit.


What is the golf program on my Diners Privilege card?

Card member can enjoy access to leading golf courses in India and overseas and enjoy complimentary golf games (2 per quarter) across the finest courses in the world along with 24x7 booking assistance by calling concierge.


Are there any dining and wellness related offers on the card?

Yes. As an HDFC Bank Diners Club Privilege Credit Card customer, you can enjoy exclusive discounts at leading spas, salons, gyms etc. Also enjoy up to 15% discount on select dining experiences. Access 3000+ fine dining offers across the country and 1,400+ offers with partners in over 70 different countries.

For wellness benefits visit: https://hdfcbankdinersclubwellness.poshvine.com/

For dining benefits visit: https://offers.smartbuy.hdfcbank.com/deals


What all services can I avail from CONCEIRGE?

Diners Club Privilege card members can get global services at its finest from the concierge desk. Services like Airport VIP service (meet-and-greet), International gift delivery and shopping services, Private dining assistance, Itinerary and event planning along with reservation assistance etc.

Concierge Services Desk: Toll-free: 1800-118-887 | Landline: 022 4232 0226


What are the interest rates, insurance benefits and other charges on my Diners Privilege card?

  • Air accident cover of 1 crore
  • Emergency overseas hospitalization: Rs 25 Lakhs
  • Credit liability cover of upto Rs 9 Lakhs
  • Travel Insurance cover of upto Rs 55000 on baggage delay (Capped to $10 per hour restricted to 8 hours)
  • Revolving credit interest rate of 3.49% per month
  • Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee is applicable only for fuel transactions between Rs. 400 to Rs. 5000(Maximum waiver of INR 500 per statement cycle)
  • Low Foreign Currency Markup fee of 1.99%


Am I eligible for a HDFC Bank Diners Club Privilege credit card? If yes, what is the fee applicable on my card?

Eligibility Criteria: You are eligible for HDFC Bank Diners Club Privilege Credit Card based on the following:

• Age: Min 21 yrs & Max 60 yrs; and Income: Net Monthly Income > Rs 70,000 per month for salaried customers

• Age: Min 21 yrs & Max 65 yrs; and Income: ITR > Rs 8.4 Lakhs per annum for self-employed customers


Fees and Charges:

HDFC Bank Diners Club Privilege credit card has an annual Membership fee of Rs. 2500 + Applicable Taxes.

Upon annual spend of Rs. 3 Lakhs, Enjoy Renewal Fee waiver for next renewal year.

To know more, please visit https://www.hdfcbankdinersclub.com/diners-club-privilege diners-club-Privilege

Diners Clubmiles

How do I earn reward points on the card?

Card member can earn 4 Reward Points on every Rs. 150 spent on the card.

- 10X reward points on Diners 10X Partners (Max Cap of 5000 in a month) - Rewards Points will not be accrued for fuel transactions - EasyEMI and e-wallet loading transactions will not accrue Rewards Points.

- Rewards Points accrued will be reversed if a retail transaction is converted into SmartEMI.

- Rewards Points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

How do I redeem the accumulated Reward Points?

Redeem Reward Points for Miles with leading International and Domestic airlines like British Airways Executive Club (Avios), InterMiles, Singapore Airlines (KrisFlyer Miles), Club Vistara and hotels at a rate of 1 mile per reward point. Please complete Frequent flyer registration before attempting Airmiles redemption in NetBanking. o You can also redeem your accumulated Reward Points against air tickets, hotels, and international experiences at 1 reward point = 0.5 rupee and gifts from our catalogue at 1 reward point = 0.35 Paise by visiting https://offers.smartbuy.hdfcbank.com/diners

  • For flight and hotel bookings, card members can redeem up to maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.

What is the validity of reward points?

- Rewards Points are valid only for 2 years from the date of accumulation.

ex:- if you receive Reward Points in Nov 2019, same will expire in Nov 2022.

What is the lounge access benefit on my card?

HDFC Bank Diners ClubMiles card members can enjoy 6 complimentary airport lounge access to over 1000 partner lounges worldwide in a calendar year. Lounge visit is complimentary only for primary card holders. Please visit the website for list of lounges

What all services can I avail from the conceirge?

All your travel booking needs will be taken care by the concierge. Enjoy exclusive 24/7 Concierge Services by simply calling: 1800 209 4006 (Toll Free)

Are there any dining related offers on the card?

Yes. As an HDFC Bank Diners ClubMiles Credit Card customer, you can enjoy up to 15% discount or other benefits at the finest restaurants. With exclusive offers and rewards in every bite, gift yourself and your family an enjoyable dining experience.

Click here to locate offers near you

Global Dining Offers

Revel in special Diners Club rewards and world-class experiences in dining, travel and entertainment. Diners Club Privileges has more than 1,400 offers with partners in over 70 different countries to enhance every leg of your journey.

Click here to locate Diners Club Privileges


What are the interest rates, insurance benefits and other charges on my Diners ClubMiles card?

  • Air accident cover of 1 crore
  • Medical emergency insurance cover of up to ₹ 25 lakhs
  • Credit liability cover of upto Rs 9 Lakhs
  • Travel Insurance cover of upto Rs 50000 on baggage delay (Capped to $10 per hour restricted to 8 hours)
  • Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee is applicable only for fuel transactions between Rs. 400 to Rs. 5000(Maximum waiver of INR 500 per statement cycle)
  • Low Foreign Currency Markup fee of 1.99% Unparalled Protection

Credit :

Revolving Credit Interest rate of 3.49% per month will be charged on any outstanding amount carried beyond the bill due date

What is the First year and renewal Membership Fee on my card?

HDFC Bank Diners ClubMiles credit card has an annual Membership fee of Rs. 1000 + Applicable Taxes.

Upon annual spend of Rs. 1 Lakhs, Enjoy Renewal Fee waiver for next renewal year.

Renewal Benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.

Please click here to know most important terms and conditions and schedule of charge

To know more, please visit https://www.hdfcbankdinersclub.com/Diners-ClubMiles

Purchase Premium Card

1.  What is the Credit Period on Purchase Premium Card? 

      30 + 20 Days 

2.  How many rewards points will be earned for every INR 150? 

     Four reward points will be earned by the corporate for every INR 150 spent. 

3.  What type of spends the Reward Points will be given? 

     The regular MCCs spends will be eligible for Reward points. Special MCCs, fuel, charity type of expenses will not be eligible for the reward points. 

4. What is the value of Reward Points earned on the Purchase Premium Card? 

    Each reward point will have a value of 20 paisa.

5. How many reward points can be accrued every month on Purchase Premium? 

     Maximum of 15,000 reward points can be accrued per statement cycle on Purchase Premium. 

6. What is the reward point expiration timeline? 

    The reward point will expire after a period of 12 months. 

7. Is the customer eligible for cashback? 

    The customer is eligible for 5% cashback on business essential spends, subject to minimum overall statement spends of Rs.50,000. Apart from this corporate will not be eligible for any other form of cashback. 

8. Is there any monthly limit of cashback? 

    The monthly cashback amount is capped to INR 1,500 

9. What are the merchant categories considered under Business Essential? 

     Hotels, Rail, Road, Taxi, Utility, Taxes & Telecom are part of business essential spends. 

10. Will Corporate qualify for Reward points and Cashback both simultaneously? 

       Yes, both Reward points & Cashback will be applicable on this product. 

11. Is the customer eligible for Fuel surcharge waiver? 

       Yes, the corporate is eligible 1% fuel surcharge waiver. 

12. Is there any capping on the fuel surcharge waiver? 

       The fuel surcharge waiver is capped upto INR 500. 

13. Can corporate revolve on purchase premium? 

       The corporate can revolve the outstanding on the purchase premium card. 

14. Upto what amount the corporate can revolve the outstanding amount? 

       The corporate can revolve 30%(MAD) of Total Amount Due (TAD). While calculating the MAD, other charges such as interest, fee, GST, etc. are excluded

15. What payment types are considered while calculated MAD? 

       All payments are considered while calculating MAD, except the payments done on Vendor Payment portal. 

16. What is the interest rate applied on the outstanding amount? 

       An interest rate of 1.99% per month (23.88% annually) will be applied on the outstanding amount while revolving. 

17. Can a Corporate restrict usage of cards on certain merchants? 

       Yes, Merchant Category Code (MCC) wise restriction is possible on Purchase Premium Card, relevant MCC group/promo id needs to be selected by corporate on the MID while submitting application

18. Is auto-debit option for credit card payment possible on Purchase Premium Card? 

       Yes, auto debit is possible on Purchase Premium Card 


19. Can multiple Purchase Premium Card be issued to a company? 

       Yes, multiple Purchase Premium Card can be issued to a company as per their requirement upto a maximum of ten cards. 

20. What are the payment options for Purchase Premium Card? 

       Payments can be made via cheque, auto debits or online modes such as NEFT, RTGS Full payment needs to be made by the corporate to Bank 
​​​​​​​
​​​​​​​21. Is there any Surcharge on electricity payment through Purchase Premium Card? 

       No, there is no surcharge at Bank’s end on electricity payment through Purchase Premium Card. However, if the biller surcharges on their website for payment through credit card then the same will be applicable on Purchase Premium Card as well. 

Purchase Moneyback Card

1.  What is the Credit Period on Purchase Moneyback Card?

     30 + 20 Days

2.  What type of spends the will be eligible for cashback​​​​​​​? 

     All general spends above 5 lakhs and utility payments above 10 lakhs will be eligible for cashback excluding EMI spends and Fuel Spends​​​​​​​

3.  Is there any monthly limit of Rebate? 

     There is a rebate limit capped to 10 Lacs /month

4.  Can corporate revolve on Purchase Moneyback?

     The corporate can revolve 30%(MAD) of Total Amount Due (TAD). While calculating the MAD, other charges            such as interest, fee, GST, etc. are excluded​​​​​​​

5.  What is the interest rate applied on the outstanding amount? 

     An interest rate of 1.99% per month (23.88% annually) will be applied on the outstanding amount while revolving.

6.  Can a Corporate restrict usage of cards on certain merchants? 

      Yes, Merchant Category Code (MCC) wise restriction is possible on Purchase Moneyback Card, relevant MCC group/promo id needs to be selected by corporate on the MID while submitting application

7.  Is auto-debit option for credit card payment possible on Purchase Moneyback Card? 

     Yes, auto debit is possible on Purchase Moneyback Card

8.  Can multiple Purchase Moneyback Card be issued to a company? 

        Yes, multiple Purchase Moneyback Card can be issued to a company as per their requirement upto a maximum of 5 cards. 

9.  What are the payment options for Purchase Moneyback Card? 

        Payments can be made via cheque, auto debits or online modes such as NEFT, RTGS 

Full payment needs to be made by the corporate to Bank
​​​​​​​
​​​​​​​10.  Is there any Surcharge on electricity payment through Purchase Moneyback Card? 

        No, there is no surcharge at Bank’s end on electricity payment through Purchase Moneyback Card. However, if the biller surcharges on their website for payment through credit card then the same will be applicable on Purchase Moneyback Card as well 

11. Will cashback be eligible if EMI has been opted for?
         No, cashback will not be eligible be eligible incase EMI is being opted for

Purchase Reward Card
  1. What is the Credit Period on Purchase Reward Card?
    30 + 15 Days

  2. What type of spends the will be eligible for cashback?
    All type of General MCC spends and Special MCC spends excluding EMI spends & fuel spends

  3. Is there any eligibility criteria for cashback?
    Total spends in a month (excluding EMI & fuel spends) have to be above Rs 50 Lakh

  4. What is credit limit rotation?
    For eg. IF credit limit is Rs 10,000 and total spends is Rs 50,000, credit limit rotation is 5X

  5. Are EMI spends eligible for cashback?
    No. Cashback would not be provided on EMI spends. Even if the EMI option is opted and transaction does not convert into EMI, the spend would not be eligible for cashback

  6. Is there any monthly limit of cashback?
    The monthly cashback is capped to Rs 25 Lakhs per card

  7. What is the interest rate applied on the outstanding amount past due date?
    An interest rate of 2.95% per month (35.4% annually) will be applied on the non-payment of outstanding amount past due date

  8. ​​​​​​​Can a Corporate restrict usage of cards on certain merchants?
    Yes, Merchant Category Code (MCC) wise restriction is possible on Purchase Reward Card, relevant MCC group/promo id needs to be selected by corporate on the MID while submitting application

  9. Is auto-debit option for credit card payment available on Purchase Reward Card?
    Yes, auto debit is possible on Purchase Reward Card

  10. Can multiple Purchase Reward Card be issued to a company?
    Yes, multiple Purchase Reward Card can be issued to a company as per their requirement upto a maximum of 10 cards.

  11. What are the payment options for Purchase Reward Card?
    Payments can be made via cheque, auto debits or online modes such as NEFT, RTGS. Full payment needs to be made by the corporate to Bank on or before due date else interest charge would be applicable on outstanding amount

  12. Is there any Surcharge on electricity payment through Purchase Reward Card?
    No, there is no surcharge at Bank’s end on electricity payment through Purchase Reward Card. However, if the biller surcharges on their website for payment through credit card then the same will be applicable on Purchase Reward Card as well.

  13. Can Virtual cards be created on Purchase Reward Card?
    Yes, virtual cards can be created on Purchase Reward Card through Corporate Service Portal

  14. What is the maximum number of Virtual cards that can be created on Purchase Reward Card in a day?
    300 Virtual cards can be created on a Purchase Reward Card in a day

Pharmeasy HDFC Bank Credit Card

What is PharmEasy HDFC Bank Credit Card?

PharmEasy HDFC Bank Credit Card is exclusively offered for PharmEasy customers. PharmEasy in partnership with HDFC Bank is offering this card.


What are the key features of PharmEasy HDFC Bank Credit Card?

  • Avail up to 50 days of interest free credit period
  • 10% Cashback* on all PharmEasy and Thyrocare spends (For PharmEasy Plus Customers) – Capped at Rs. 1500/calendar month
  • 5% Cashback* on all PharmEasy and Thyrocare spends (For Non-PharmEasy Plus Customers) - Capped at Rs.1000/calendar month
  • 3% Cashback* on Swiggy, Zomato, Flipkart, Amazon, Myntra, MakeMyTrip, Urban Company - Capped at Rs.1000/calendar month
  • 1% Cashback* on all other spends
  • 8 Complimentary access to Domestic Airport Lounges across country in a calendar year (Capped at 2 visits per Calendar Quarter).

Cashback/Cashpoints redemption:

Cashback is not applicable for wallet loads, fuel spends & EMI spends.

All cashback will be posted in the form of cashpoints(CP) which will be valid for 2 years and can be redeemed against statement balance at the rate of 1 CP = Re.1 (on request only).


What is the launch offer of PharmEasy HDFC Bank Credit Card?

10% cashback on all PharmEasy and Thyrocare spends only for PharmEasy Plus customers capped at Rs. 2500 per calendar month (30 days).


T&C*

  • Offer is applicable only for customers sourced within 3 months (90 days) from program launch date
  • Offer is valid only for their 1st 3 months (90 days) spends from their respective card open date, post that standard product features are applicable
  • Cashback is applicable only for retail spends on PharmEasy & Thyrocare platforms and not applicable for fuel spends, wallet loads and EMI transactions


What is the welcome benefit of PharmEasy HDFC Bank Credit Card?

Get Rs.200 flat Cashback on 1st transaction with minimum spend of Rs.500 (excluding fuel, wallet and EMI transactions)


What are the wellness benefits of PharmEasy HDFC Bank Credit Card?

  • 3 months PharmEasy Plus Membership
  • PharmEasy will separately communicate customers on offers sponsored by them from time to time.


What is PharmEasy Plus Membership?

PharmEasy Plus membership is an exclusive loyalty program of PharmEasy for the customers who will be eligible for additional benefits on placing orders with PharmEasy.


How do I generate PIN for my PharmEasy HDFC Bank Credit Card?

You will need to generate the PIN to activate your card, you can use any of the following ways mentioned below:

a) By using IVR - Call 1860 266 0333

b) By using Net Banking

c) By using Mobile Banking App

d) By using ATM


Please refer to the below link for more information to generate PIN: https://www.hdfcbank.com/personal/pay/cards/credit-cards/forgot-card-pin


Also, please reach out on 1800 202 6161 or 1860 267 6161 for any queries/complaints.


How do I activate my PharmEasy HDFC Bank Credit Card for online, contactless and international transactions?

As per RBI guidelines, for additional security, Online, Contactless & International transactions on this card are switched-off during dispatch. You can enable these card usage options by referring to the leaflets in the welcome kit or by referring to the information in the below link: https://www.hdfcbank.com/personal/pay/cards/credit-cards/enhanced-security-for-card-transactions


HDFC Bank MyCards:

1. Log in to https://mycards.hdfcbank.com using your registered mobile number

2. Enter the OTP configured to your registered mobile number

3. Click on “Card Control” service under Credit Cards.

4. You can set and customise your credit card usage/limits

5. Enter OTP configured to your registered mobile number to successfully make these changes.


HDFC Bank Mobile Banking:

1. On your HDFC Mobile Banking app, go to Menu >> Pay >> Cards >> Credit Card Number >> Show more >> Limits & Restrictions

2. You can set and customise your credit card usage/limits

3. Enter OTP configured to your registered mobile number to successfully make these changes.


HDFC Bank Net Banking:

1. On your HDFC Net Banking, go to Cards >> Request >> Card Usage/Limits

2. You can set and customise your credit card usage/limits

3. Enter OTP configured to your registered mobile number to successfully make these changes.


Where can I use PharmEasy HDFC Bank Credit Card?

PharmEasy HDFC Bank Credit Card can be used both at domestic and international for online, offline and contactless transactions. Once you generate PIN, you can use your card to make payments at any merchant establishment.


What is the 1st year annual fees for the PharmEasy HDFC Bank Credit Card?

For PharmEasy HDFC Bank Credit Card, Rs.500 + GST will be levied as 1st year annual fees after 30 days of card open date only if the customer has not activated. Activation requires the cardholder to do total transaction of Rs.150 within 30 days of card approval.


What is the renewal fees for the PharmEasy HDFC Bank Credit Card?

For PharmEasy HDFC Bank Credit Card, Rs.500 + GST will be levied as card renewal fees only if the customer has not done annual transactions of Rs. 70,000 or above (only non-EMI Spends) in the preceding year. For more information on fees and charges, please refer the below MITC link:

MITC in English


What is the limit on fuel surcharge waiver?

1% fuel surcharge waiver on eligible fuel transactions (minimum transaction of Rs. 400, maximum transaction of Rs. 5,000 & maximum cashback of Rs. 250 per statement cycle). The surcharge is levied by the acquiring bank providing the terminal to the merchant. The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST on fuel surcharge will not be reversed. Refer to the below MITC link for more information and T&C: MITC in English


As a cardholder, I am not getting Cashback/Cashpoints on all spends, why so?

Cashback/Cashpoints will not be eligible for the following spends/transactions on the credit card:

  • Fuel Spends
  • Cash Advances
  • Payment of Outstanding Balances
  • Payment of card fees and other charges and
  • Smart EMI / Dial an EMI transactions
  • Wallet loads
  • Rental Payments and
  • PharmEasy Payments


Can contactless transactions be done on the PharmEasy HDFC Bank Credit Card?

  • PharmEasy HDFC Bank Credit Card can be enabled for contactless payments facilitating fast, convenient and secure payments at retail outlets. (Check for contactless network symbol on the card plastic).
  • HDFC Bank allows you to make a transaction of Rs.5,000 or less through contactless mode, just tap to pay with your card and you won't need to sign or enter any PIN. Please refer to the below link for more information: https://www.hdfcbank.com/personal/ways-to-bank/tap-to-pay

Can a cardholder avail flexible payment options on the PharmEasy HDFC Bank Credit Card?

Yes. The flexible payment options will be given only to the eligible cardholders as per bank’s policy.


How does a cardholder get PharmEasy HDFC Bank Credit Card monthly statement?

Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the statement by log in to HDFC Bank NetBanking or HDFC Bank MyCard App or HDFC Bank Mobile App online.

How does a cardholder pay the outstanding dues of PharmEasy HDFC Bank Credit Card bill?

A cardholder can pay the outstanding dues of HDFC Bank credit card via a range of convenient options. Please refer to the below link for more information: https://www.hdfcbank.com/personal/pay/bill-payments/hdfc-bank-credit-card-bill-payment


What is the interest rate charged per month on the PharmEasy HDFC Bank Credit Card?

Please refer to the below MITC link for the interest rate: MITC in English


What should a cardholder do in case of credit card being lost/stolen?

In case your card is lost or stolen, please block your card immediately to avoid it from being misused. To block your card either:

  • Call HDFC Bank PhoneBanking Number (1800 202 6161 / 1860 267 6161 / 1800-25-8282-638)
  • Log onto HDFC Bank NetBanking and block your card using the 'Hotlisting' option
    ​​​​​​​

Also, please refer to the below link for more information: https://www.hdfcbank.com/personal/pay/cards/credit-cards/block-loststolen-card


How does a cardholder report a transaction dispute?

Please refer to the below link for details to report a transaction dispute https://www.hdfcbank.com/personal/need-help/report-unauthorized-transactions


What are the different types of charges & fees levied on the PharmEasy HDFC Bank Credit Card?

To know the different type of charges & fees on the credit card, please refer to the below MITC link: MITC in English


When will be the cashback/cashpoints posted?

All cashback/cashpoints posting will be made on settlement date + 1, post meeting respective spend criteria.


What is the validity of earned Cashback/Cashpoints?

The validity of earned cashback/cashpoints is 24 months.

Value Benefit Chart for PharmEasy HDFC Bank Credit Card:


Save up to Rs. 54,799 (8%) on your Medicine & Personal spends of Rs. 6,70,000 in a year with Pharmeasy HDFC Bank Credit Card

​​​​​​​List                                                              
Benefits & Offers
Spends per year
Savings per year
Assumptions

Get rewarded 

for choosing

health

10% cashback on all PharmEasy and Thyrocare spends
1,80,000
18,000
18,000 Rs. 15000 spends per month (except EMI spends)
Free 3 month of Pharmeasy Plus membership

499

Get rewarded

on every

spend

3% cashback on merchants like Swiggy, Zomato, Flipkart, Amazon, Myntra, Make My Trip, Urban Company
2,00,000
6,000
Rs. 16,500 spends per month (except EMI spends)
1% cashback on all other spends
2,00,000
2,000
Rs.16,500 spends per month (except EMI spends)

Rewards to

get you

started

10% cashback on all PharmEasy and Thyrocare spends
30,000
3000
Rs.10,000 spends per month for first 3 months only

Travel/lounge

Benefits

Complimentary 8 Domestic Airport Lounge Access per year

24,000
Rs. 3000 per lounge visit

Annual Fee

Benefit

Annual fee waived off on spends of Rs.70,000 in a year.

500
Rs. 70,000 spends per year (except EMI spends)

Welcome

Benefit

Rs.200 flat cashback on 1st transaction with min spend of Rs.500 (excluding fuel, wallet and EMI transactions)

200Minimum spends is Rs. 500

Rewards on

Fuel

1% Fuel Surcharge Waiver
60,000
600

Total6,70,000
54,799 (8%


Debit Cards
All Debit Cards

What is the procedure to follow if my Debit Card PIN is blocked?

Please note that if you enter an incorrect PIN three times in the ATM, your access gets blocked for security reasons. It gets activated after 24 hours. Kindly use your Debit / ATM Card at the ATM after 24 hours with the same PIN available with you. If your account still remains inaccessible, please apply for new PIN.

You can apply for regeneration of your ATM / Debit PIN in following ways:

  • Fill-up the new PIN application form and submit it at any of our branches. On receipt of the form and successful verification, we will process a new ATM PIN and send it to your mailing address, as registered in our records.
  • Submit a request at PhoneBanking, after validation with your Telephone Identification Number (TIN).
  • For every PIN Regeneration request, charges of Rs. 50 + Service Tax + Educational Cess is applicable.


For more details, Contact Us


Why is 2nd Level authentication made mandatory for all Card related online transactions?

All online card transactions, as per RBI’s mandate, need to have a second level authentication when a transaction is made. Hence the cards need to be registered for Verified by Visa(VBV)or MasterCard Secure Code to complete an online transaction. A transaction can be carried out only on those websites that are Verified by Visa or MasterCard Secure Code enabled.

Thus when you are making an online transaction on these websites you will be prompted to register for the service, if you have not registered till date.

You can fill the required details and complete the transaction after registering. You can also register your card for Verified by Visa or MasterCard Secure Code here.


Can I use my Debit Card to pay online?

Currently your Debit Card can be used to make purchases from online merchants who have the Verified by Visa/ MasterCard SecureCode certification displayed on their web site.

Learn more about using your Debit card for making online purchases here.


What should I do if my Debit Card is not working?

If there is a technical problem because of which your card is not working, we request you to contact us on our Phone Banking center or branch and hotlist/block the said card.

Please make a request to issue a new card for your account which will be free of cost and should be delivered to you in 7 working days time once issued.

For more details on PhoneBanking numbers and their timings, click here.
For a comprehensive list of branches, click here.


How do I enable International Usage on my HDFC Bank Rewards Debit Card?

Please find below the steps to enable International Usage for you HDFC Bank Rewards Debit Card:

Steps to Enable International Usage on Debit Card:

  • Log on to NetBanking
  • Click on Cards tab and go to Debit Cards menu
  • Click on Request
  • Select 'Set International / Domestic Usage'
  • Select the option 'Card to be enabled for International and Domestic Use'

Steps to Modify Daily International Usage on Debit Card

  • Log on to NetBanking
  • Click on Cards tab and go to Debit Cards menu
  • Click on Request
  • Select 'Modify International Limit'
  • Set your daily international limit


What are the Debit Card transaction fees if I swipe my card at Petrol pumps or Railway stations?

The following are the transaction charges applicable when you use the Debit Card at:

  • Petrol pumps: Rs. 10 or 2.5% of the transaction amount (whichever is greater).
  • Railway Stations: Flat charge of Rs. 30 per ticket + 1.8% of the transaction amount.
  • IRCTC: Transaction charge of 1.8% of the transaction amount

Please note that there are no transaction fees applicable at other merchant locations. These charges attract a Service Tax and an Swachh Bharat Cess as applicable, in terms with the current Finance Bill.


What is the procedure to replace a damaged Debit Card?

We request you to contact the Bank using Phone Banking (available 24x7), where you can Hotlist your card immediately and simultaneously request for re-issuance of a new card.

You may also submit a written instruction at the nearest branch to hotlist and re-issuance of ATM / Debit Card. Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16).

For more details, Contact Us.


Why is the customer required to fill a cardholder dispute form (CDF) to report transaction dispute?

A duly filled in Cardholder Dispute Form (CDF) mentioning all the required details of the disputed transaction(s) and the exact nature of dispute, aids the Cardholder as well as the Bank to initiate accurate investigation with the respective Merchant / Member Bank.

Pls click on link below to view the cardholder dispute form: 
Cardholder Dispute Form


NOTE: A detailed email mentioning all the required details and supporting documents (if any), as mentioned in the CDF, can also be written to support@hdfcbank.com.


What is the time frame to resolve Domestic ATM transaction disputes?

7 working days from receipt of the dispute.


What is the time frame to report Debit Card transaction dispute?

Transaction dispute needs to be reported in writing within 30 days from the transaction date.


Which documents are to be submitted with respect to the failed/ disputed transaction?

The Debit Cardholder must submit the following documents along with the dully filled Cardholder Dispute Form (CDF).


Transaction typeDocuments to attached
Transaction declined but funds are debited from the accountVoid charge-slip OR email/letter from merchant confirming transaction not completed
Amount debited but payment made through an alternate modeProof of payment by alternate mode
Excess amount debitedProof of actual amount authorized/agreed with the merchant

Transaction cancelled but refund from merchant not credited / Damaged goods/ Quality of the product or services is not as agreed

Cancellation confirmation from the merchant/ refund confirmation

It is strongly recommended to check if the amount has already been credited /adjusted into your e-wallet / subscriber account in case of ecommerce transactions.


How do I report such service/merchant related transaction dispute incurred using my Debit Card transaction?

We strongly recommended that for all service related disputes, the Debit Cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution.

Considering all attempts have been made to resolve dispute with the merchant, you may call PhoneBanking team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction(s) details to support@hdfcbank.com OR submit the same at your nearest HDFC Bank branch.


What is a service dispute?

Following transactions are categorized as service dispute.

  • Transaction declined but funds are debited from the account
  • Amount debited but payment made through an alternate mode
  • Excess amount debited
  • Transaction cancelled but refund from merchant not credited
  • Dual Debits /Duplicate debits for the same merchant, amount, date and time
  • Damaged goods/ Quality of the product or services is not as agreed.


What is the time frame to resolve Purchase/ Online & International ATM transaction disputes?

Approximately 45 to 120 days from receipt of the dispute depending upon the relevant franchise's ( e.g. Visa / Master / Rupay / Diners etc.) dispute resolution cycle.
​​​​​​​

What is the process to track my ATM Card or Debit Card?

Please call on our PhoneBanking Number to Know the status of your applied Debit/ATM card  OR Visit your nearest branch

Rupay premium debit card

Can I use the RuPay Platinum Debit Card to pay online?

Rupay Platinum Debit Card can be used at ATM and shopping outlets Internationally as well as in India.

 

 

What if I want to use my Debit Card internationally?

RuPay Platinum Debit Card can only be used in India. To get a Debit Card that can be used internationally, please visit the nearest branch and request for a Visa / MasterCard Debit Card. Kindly note all new Visa / MasterCard Debit Cards are only activated for domestic usage, as per RBI guideline. To instantly enable international usage on your Visa / MasterCard Debit Card, please log in to NetBanking > Debit Cards (tab) > Set International / Domestic Usage.

 

 

Where can the RuPay Platinum Debit Card be used?

This HDFC Bank RuPay Platinum Debit Card is enabled for both domestic and International transactions. You can use your debit card for shopping at Merchant outlet and cash withdrawal at both Domestic and International locations. Additionally your card can be used online on domestic websites.

 

 

Are there any annual charges with RuPay Platinum Debit Card?

The annual fee of the RuPay Platinum Debit Card is Rs. 150 + taxes. For more details on fees & charges please refer the section "What are the charges of the RuPay Platinum Debit Card?"

 

 

Can I use the RuPay ATM card at Merchant outlets or on Ecom website?

No, the ATM card can be used on to withdraw money from ATM machines only. The ATM cards cannot be used for payment at Merchant outlets or on Online payments

Times Points Debit Card

What is Times Points?

Times points is a unique loyalty program which allows you to earn reward points for all your digital media usage (create/consume/share etc.) across digital properties of Times Internet Limited

 

Where should I contact or write to know about the existing offers on my cards?

You do not have to call or write anywhere, you can know about the list of exciting offers on www.timespoints.com/debit.

 

Where should I contact or write for my doubts or queries?

For all Times points related queries, you are requested to write to CS@timespointsdebit.com.

 

How Can I get my Times Points Debit Card?

If you are an existing HDFC Bank account holder following are the process to get a Times Points Debit Card:
1. Please visit the nearest HDFC Bank branch and apply for Times Points Debit card
2. Please visit HDFC Bank NetBanking and Upgrade your existing card to Times Points Debit Card
3. Call Phone banking and put a request for new request for Times Points Debit Card(in case you do not have any debit card) or request for upgrade of your card to Times Point Debit card.
In case you do not have existing account with HDFC bank then we would request you to visit nearest branch to open an account and request for Times Points Debit card.

 

Except for digital media consumption, what is the other medium of earning Times Points?

HDFC bank Times Points Debit Card gives customer unique opportunity to earn Times Points even when they are not online. Customer can earn times point by simply using their debit card for their all spends on Point of Sale or Ecommerce transaction.

 

If I hotlist my card, will I get deregister from the Times points program?

No, your Times Points account will remain active and you can keep using www.timespoint.com as earlier.

 

How do I reset my password?

An immediate email will be sent to you after the card is issued to you for setting up your password. For resetting or changing the password you will have to login to www.timespoint.com and visit the settings tab.
In case you forget the password of your account, you can try for “Forget Password” and a password reset mail will be sent to you.

 

Why Should I take this card?

This is an Unique proposition from HDFC Bank and Times Internet Limited to provide you with opportunities to accumulate points while spending as well as using media contents e.g. You can use debit card to buy mobile /laptop etc. and earn Times points or you can surf through the Times Internet Limited properties to earn Times points.
The times points can be redeemed on www.timespoint.com against attractive offers and gifts.

 

How much of Times points will I earn for each activity on TIL?

The number of points to be earned for each activity is dynamic and it ranges from 1-5. The points to be earned will be visible to you while you are logged in to your account.

 

Where can I burn my accumulated Times points?

You can use the accumulated Times points on www.timespoint.com. You will be able to avail attractive offers and gifts using the Times points.

 

When will I get my enrollment Times points?

Your enrollment Times points will be credited into your account within 72 hours of the 1st transaction using your Times Points Debit Card. Your account will be credited with one time 500 times point enrolment benefits.

 

How long can I keep my earned Times points?

When you earn points, your points earned are valid for 12 months from the date of earning. The points will expire on the 1st of every month.

 

What are the Terms and Conditions for the offers at my disposal?

Please visit www.timespoints.com/debit for present offers and T&C.

 

What is the validity of the offers?

The offers has a validity of Minimum 3 months and maximum of 12 months.

 

I am already member of Times points, do I need to register again?

If your e-mail ID in the existing registration on times point and the one given to HDFC Bank is same then you don’t have to register, however in case of different e-mail ID or no e-mail ID in existing Times Points account, you will be automatically registered on times points using your e-mail ID given to HDFC Bank and a confirmation mail will be sent to your email ID.

 

Which all Times group digital properties offer times points?

While times points is a constantly growing entity, at present users are rewarded for their digital media usage across pages listed below:
www.timesofindia.com
www.speakingtree.in
www.economictimes.com
ww.itimes.com
www.maharashtratimes.com
www.eisamay.com
www.gaana.com
www.navgujratsamay.com
www.navbharattimes.com

 

Does customer need to log-in to every Times Internet Limited page for earning Times Points?

Yes. Customer needs to log-in to earn times points for activities done on any website.

 

You can login to the www.timespoint.com using your username and password to check the times point earned.

 

How much am I going to be charged yearly for Times Points Debit Card?

The annual charges for Times Points Debit Card is Rs. 650/- +Taxes applicable.

 

How can I earn Times Points?

  • Welcome Benefit 500 Times Points will be gifted after you use the card to shop for the first times.
  • Earn Times Points every time you shop. Get 2 Times Points for every Rs. 150 spent.
  • Earn Times Points based on the activities on the Times Internet Limited digital pages.

The list of Times Internet Limited digital properties are www.timesofindia.com, www.speakingtree.in, www.economictimes.com , www.itimes.com , www.maharashtratimes.com , www.eisamay.com , www.gaana.com , www.navgujratsamay.com , www.navbharattimes.com
Please note, you need to be logged in to your Times Points account for earning Times Points while consuming, sharing & creating content on above listed websites.

 

If I get a new card (reissue), will my Times point carry forward?

Yes, your accumulated Times point will be carried forward to the new card.

 

What are the benefits of Times Points Debit Card?

Your Times Points Debit Card Offers
1. A Welcome benefits to choose one from a bouquet of upto 20 offers
2. You will be entitled to a one time offer of 500 bonus Times points.
3. You will provided with Great deals and discounts all throughout the year.
4. You will be able to redeem your Times points earned from your activities on TIL and Times Debit card Spends and avail attractive offers.

 

Will I get notification about the expiry of my Times points?

Yes, you will be notified through email on the expiry of your Times points. The emails notification will be sent to you from Times Internet Limited (TIL).

 

I am not registered for times points program; can I apply for Times Point Debit card?

Yes, you can apply for times points debit card. Basis your e-mail ID and mobile number provided to HDFC Bank, you’ll be registered for Times Point. An e-mailer will be sent to you with your registration details.

 

How do I register for Times Points?

As a Times Points Debit Card holder you will be auto-registered for the Times points loyalty program. The registration will trigger an auto-generated mail to your bank registered email id.
Please follow the simple steps (Section A):

If you are an existing member to Times Points
1) In case you have registered using your mobile number or different email id, you will be auto-registered for the Times points loyalty program with HDFC Bank registered email.
Please follow the simple steps mentioned in Section A
Kindly note, your existing Times Points account will remain as is and points earn with your existing ID will not be added to your new Times Points account
In case you have registered for Times Points account using your same email id which is registered with HDFC bank, you do not need to do any further registration and you will continue to enjoy Times Points benefits

  • Please check for an email in your banks registered email inbox sent from Times Points.
  • Please open the email and look for a link for setting up your password.
  • The link will redirect you to www.timespoint.com website and ask you to set your password.
  • Your profile will be completed and you can start earning Times Points for all your surfing and other activities

Where do I redeem Times Points?

Please login to www.timespoint.com using your registered email id and follow the simple steps:

  • Click on the redeem tab and view the offers
  • Select an offer and click on "Redeem"
  • Enter delivery location with pin code verification
  • Mention contact details and click on “Continue”
  • Review and confirm your order.
  • On successful redemption you will receive a confirmation on your registered email id.
  • You can manage your Times Points thru an Times Points App available on iOS& Android Platform
  • Please check for the confirmation email

In case of query regarding registration to Times Points account, earning and redemption of Times Point please write to CS@timespointsdebit.com

 

Is there any Times points Apps which I can download on my mobile?

Yes, you can download the app for your Android mobile from Google Playstore or for your iPhone from App Store.

 

If I am having two member Id can I merge both the IDs and points?

No, 2 IDs cannot be merged. The Times Points Debit Card linked Times Points account will be based on your HDFC Bank registered email id. You will have to use the same account to do activity and accumulate times points.

 

Which are the offers I am eligible as a Times Debit Card holder?

You will be able to choose one out of more than 20 welcome offers from leading e-com merchants in India. Additionally there will be more than 350 regular offers to avail at any point of time during the year. The minimum discounts on the offers would be 10% in addition to the merchants own discounts.

 

Do I need to mandatorily register?

Yes, to avail the offers and earn times points you need to register and activate the account.

 

Is there any Personal Accidental Death Cover for Times Point Debit Card holders?

Yes. There is an Accelerated insurance cover of 10 lacs in case of death due to by Air / Road / Rail. For more information and Terms and condition you are requested to visit www.hdfcbank.com.

 

What should I share while calling TIL to identify myself?

Presently we do not have Tele service. You are requested to write to us for any query, request or complain to CS@timespointsdebit.com.

 

What do I do if I am not able to avail merchant offers?

Do not worry if you are not able to avail the offers at your disposal. Any issue related merchant or code not working or bar code not getting read, just write to CS@timespointsdebit.com.

 

I am already registered for Times Points program; what happens to my existing Times Points ID if I apply for Times point debit card?

If the e-mail address in your existing times point account, and the one given to HDFC Bank is same, then all the Times Points earned through debit card transactions will be credited to existing Times Point account. In case of different e-mail addresses, a new Times Point account will be registered using the e-mail ID given to HDFC bank.

 

What do I do if I have an issue related to the product using Times points from portal/link?

If there is any issue with the product purchased using Times points, we would request you to write to grievance.timesrewards@indiatimes.co.in.
Additionally you can always write to for any problem related to Times Points Debit Card.
You are requested to mention your registered email id/ registered mobile no to identify yourself while writing to us to track your issue and resolve the same.

 

Are there any exclusive benefits that come with the Times Points Debit Card?

The Times Points Debit Card also provides exclusive discounts of minimum 10% throughout the year. These offers can be availed at merchant establishment.

EasyShop Imperia Platinum Chip Debit Card

Are there charges I should know about Imperia Platinum Chip Debit Card?

Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to worry about when shopping at a merchant location.

Any Fuel surcharge levied will be reversed within 75 days from the date of levy of the surcharge(upto a maximum of Rs. 750 per month per card. You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

What should I do in the case of a void transaction Imperia Platinum Chip Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here .

 

Where can I use my EasyShop Platinum Debit Card?

Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your EasyShop Platinum Debit Card at all HDFC Bank ATMs just like a normal card.

 

Are there any transaction limits for Imperia Platinum Chip Debit Card?

Depending on the balance in your account, it is possible to withdraw up to Rs. 1 lakh at the ATM daily, and spend Rs 2.75 lakhs daily. These limits have been set for your card security.

EasyShop NRO Debit Card

What should I do in the case of a void transaction for NRO Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.


Are there extra charges NRO Debit Card?

There are absolutely no transaction charges when using your card at a merchant location. Just remember that at petrol pumps and railways you will be charged as per industry practice.


Where can I use my EasyShop NRO Debit Card?

Look for the VISA logo at merchant locations, and the VISA/PLUS sign at ATMs.


Are there transaction limits for NRO Debit Card?

Subject to the balance in your account, the daily limits are Rs. 25,000 at ATMs and Rs. 2.75 lacs at merchant locations in India. These limits have been set for the security of your card.

HDFC Bank Rewards Debit Card

What should I do in the case of a void transaction for Rewards Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to Support@hdfcbank.com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers click here.


What are the transaction limits for Rewards Debit Card?

The daily limits are Rs. 50,000 at the ATM and Rs. 3, 50,000 at merchant locations as well as online transactions. This is subject to the balance in your account, and is for your account security.


Are there charges I should know about HDFC Bank Rewards Debit Card?

Another benefit of the Rewards Debit card is that there are absolutely no transaction charges when shopping at a merchant location.


Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions. The HDFC Bank Rewards Debit Card has to be registered for 'Verified by Visa’ which ensures safe online transactions after which the card can be used online.


What is Smartbuy? How do I redeem the reward points at SmartBuy?

Earn and redeem at a click!

The Procedure for checking Reward Points is as follows:

Customer will able to check Reward Points on His Reward Debit Card by the following means:

1. Netbanking - Under CashBack program, there is a separate section of Rewards Point

2. PhoneBanking - Customer can call Phonebanking and check balance Reward Points

(Customer will able to redeem Reward Points in the multiple of 250 Reward Points. Value of 1 Reward Point is Re. 1)The Rewards points earned at the partner merchants will be credited within 90 days from the date of transaction.
Please note that all Rewards Points accumulated will be valid for redemption for 12 months. Rewards points earned will lapse from 13th month onwards.

The Procedure for redeeming Reward Points is as follows:

  • Redeem points through NetBanking:
    Login to NetBanking > Cards tab > Debit Cards option > Enquiry tab > CashBack Enquiry & Redemption
EasyShop Womans Advantage Debit Card

What should I do in the case of a void transaction for Womans Advantage Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.


Where can I use my EasyShop Woman’s Advantage Debit Card?

Your card will be valid the world over – just look for the VISA sign.


Are there extra charges for Womans Advantage Debit Card?

There are absolutely no transaction charges to think about when using your card at a merchant location. There are also no fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.


What if Womans Advantage Debit Card is lost or stolen?

You will not have any liability for fraudulent transactions.


Are there transaction limits for Womans Advantage Debit Card?

Subject to the balance in your account, the daily limits are Rs. 25,000 at ATMs and Rs. 1.75 lacs at merchant locations. These limits have been set for the security of your card.

EasyShop Debit Card

How does this card work? What should I know?

When you want to make a purchase, just present your card to the store merchant. They will swipe the card through an electronic reader, and enter the amount to be paid. You will need to sign a transaction slip, and you should be given a copy. After this, your HDFC Bank account is debited automatically.


What should I do in the case of a void transaction?

Just fax us a copy of the void transaction slip. You can send it to one of our PhoneBanking numbers or your nearest HDFC Bank branch.


What should I do in the case of a void transaction for International Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.


Are there charges I should know about International Debit Card?

Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to when shopping at a merchant location.

Fuel surcharge levied at select BPCL petrol pumps will be reversed within 75 days from the date of levy of the surcharge. Just make sure your card is swiped at HDFC Bank’s terminal to avail petrol surcharge waiver. You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

Where can I use my EasyShop International Debit Card?

Anywhere you see the Visa logo, and at any ATM displaying the Visa or PLUS logo. Remember, your card can be used at all HDFC Bank ATMs just like a normal ATM card.


Are there transaction limits for Debit Card?

A daily ATM limit of Rs. 25,000 for withdrawals, and Rs. 2,75,000 at merchant establishments .

EasyShop Titanium Royale Debit Card

What should I do in the case of a void transaction for Titanium Royale Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here .

 

Where can I use my EasyShop Titanium Royale Debit Card?

Just look for the MasterCard logo when shopping. If you'd like to use an ATM, it should have the Master or Cirrus logo. And remember, you can use your EasyShop Titanium Royale Debit Card at all HDFC Bank ATMs just like a normal card.

 

Are there charges I should know about Titanium Royale Debit Card?

Another benefit of the EasyShop Titanium Royale Debit card is that there are absolutely no transaction charges when shopping at a merchant location.

Any Fuel surcharge levied will be reversed within 75 days from the date of levy of the surcharge(upto a maximum of Rs. 750 per month per card. You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

Are there transaction limits for Titanium Royale Debit Card?

Depending on the balance in your account, it is possible to withdraw up to Rs. 75,000 at the ATM daily, and spend Rs 1.75 lacs daily. These limits have been set for your card security.

EasyShop Business Debit Card

Are there extra charges for International Business Debit Card?

You can be sure that there are no transaction charges when using your card at a merchant location. There are also no petrol surcharges, or fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.


What should I do in the case of a void transaction for International Business Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.


Where can I use my EasyShop Business Debit Card?

Just look for the MasterCard logo when shopping, and if using an ATM check for the MasterCard/Cirrus logo.


Are there transaction limits for Business Debit Card?

Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 5 lacs at merchant locations. These limits have been set for the security of your card.

JetPrivilege HDFC Bank World Debit Card

Can the JetPrivilege HDFC Bank World Debit Card be taken by public / private / partnership firm?

JetPrivilege HDFC Bank Debit Card can be issued to the authorised signatories of public / private / partnership firms.

 

How will I earn the JPMiles on my JetPrivilege HDFC Bank World Card?

On your JetPrivilege HDFC Bank World Debit Card, you will earn JPMiles for all your retail spends in the ratio of 2 JPMiles per INR 150 spent.Spends JPMiles will be transferred into your JetPrivilege membership within a period of 40 working days of the transaction date.

 

When will I get my Enrollment Benefits on the JetPrivilege – HDFC Bank World Debit Card?

Your Rs. 750/- discount voucher code will be sent to you to your registered email ID within 7 days of payment of annual fee for your Debit Card.

 

I already have a HDFC Bank card but want to apply for a JetPrivilege – HDFC Bank World card? What is the process?

If the customer is already an HDFC Bank Debit Cardholder, he can apply for the JetPrivilege – HDFC Bank World Debit card basis the eligibility of the product and on paying fees.

 

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions. The JetPrivilege HDFC Bank World Debit Card has to be registered for 'MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

 

Will the Rs.750 discount voucher be applicable only on booking done on jetairways.com?

Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on Jet Airways flights through Jet Airways websites only. This discount is against the base fare.

EasyShop Titanium Debit Card

Where can I use my EasyShop Titanium Debit Card?

Your card can be used at all HDFC Bank ATMs, just like a normal card. When shopping at merchant locations, just look out for the MasterCard logo, and at ATMs check for the Master and Cirrus logo.

 

Are there any charges to be aware of for Titanium Debit Card?

Check the associated fees here.

 

What are the transaction limits for Titanium Debit Card?

The daily limits are Rs. 50,000 at the ATM and Rs. 1.75 lacs at merchant locations. This is subject to the balance in your account, and is for your account security.

 

What should I do in the case of a void transaction for Titanium Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.

EasyShop Platinum Debit Card

What should I do in the case of a void transaction for Platinum Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here .

 

Where can I use my EasyShop Platinum Debit Card?

Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your EasyShop Platinum Debit Card at all HDFC Bank ATMs just like a normal card.

 

Are there transaction limits for Platinum Debit Card?

Depending on the balance in your account, it is possible to withdraw up to Rs. 1 lakh at the ATM daily, and spend Rs. 2.75 lacs daily. These limits have been set for your card security.

 

Are there charges I should know about Platinum Debit Card?

Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to when shopping at a merchant location.

You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

The annual Charges for Easy Shop Platinum Debit Card is Rs.750

EasyShop Gold Debit Card

What should I do in the case of a void transaction for Gold Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support[at]hdfcbank[dot]com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.

 

Where can I use my EasyShop Gold Debit Card?

Just look for the VISA logo when shopping, and if using an ATM check for the VISA/PLUS logo.

 

Are there extra charges for Gold Debit Card?

You can be sure that there are no transaction charges when using your card at a merchant location. There are also no petrol surcharges, or fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.

 

How do I claim Personal Accident Death Cover for Gold Debit Card?

Nominees and legal heirs should visit their nearest HDFC Bank branch. We will help with the documents required, and, when these are complete, we will liaise with the relevant insurance company to resolve the claim. This is a special service for our EasyShop Gold Debit Card holders. Remember to provide us with all documents within one month of death.

 

Are there transaction limits for Gold Debit Card?

Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 2.75 lacs at merchant locations. These limits have been set for the security of your card.

RuPay Platinum Debit Card

Can I use the RuPay Platinum Debit Card to pay online?

Rupay Platinum Debit Card can be used at ATM and shopping outlets Internationally as well as in India.

 

What if I want to use my Debit Card internationally?

RuPay Platinum Debit Card can only be used in India. To get a Debit Card that can be used internationally, please visit the nearest branch and request for a Visa / MasterCard Debit Card. Kindly note all new Visa / MasterCard Debit Cards are only activated for domestic usage, as per RBI guideline. To instantly enable international usage on your Visa / MasterCard Debit Card, please log in to NetBanking > Debit Cards (tab) > Set International / Domestic Usage.

 

Where can the RuPay Platinum Debit Card be used?

This HDFC Bank RuPay Platinum Debit Card is enabled for both domestic and International transactions. You can use your debit card for shopping at Merchant outlet and cash withdrawal at both Domestic and International locations. Additionally your card can be used online on domestic websites.

 

Are there any annual charges with RuPay Platinum Debit Card?

The annual fee of the RuPay Platinum Debit Card is Rs. 150 + taxes. For more details on fees & charges please refer the section "What are the charges of the RuPay Platinum Debit Card?"

 

Can I use the RuPay ATM card at Merchant outlets or on Ecom website?

No, the ATM card can be used on to withdraw money from ATM machines only. The ATM cards cannot be used for payment at Merchant outlets or on Online payments

EasyShop Rupay NRO Debit Card

Where can the NRO Rupay Debit Card be used?

This HDFC Bank NRO Rupay Debit Card is enabled for domestic usage only. You can use your debit card for shopping at Merchant outlet and cash withdrawal at Domestic locations.

 

Can I use the RuPay NRO Debit Card to pay online?

Currently your RuPay NRO Debit Card can be used to make purchases from Domestic online merchants who have the RuPay PaySecure certification displayed on their website.

 

Are there any annual charges with RuPay NRO Debit Card?

The annual fee of the RuPay NRO Debit Card is Rs. 150 + taxes. For more details on fees & charges please refer the section "What are the charges of the RuPay NRO Debit Card?"

 

What if I want to use my Debit Card internationally?

RuPay NRO Debit Card can only be used in India. To get internationally active Debit card, apply for a debit card through NRE account.

 

Why is 2nd Level authentication made mandatory for all Card related online transactions?

All online card transactions, as per RBI’s mandate, need to have a second level authentication when a transaction is made. Hence the cards need to be registered for Verified by Visa(VBV), MasterCard Secure Code or Rupay Pay Secure to complete an online transaction. A transaction can be carried out only on those websites that are Verified by Visa, MasterCard Secure Code or Rupay Pay Secure enabled.

Prepaid Cards
FoodPlus Card

Why is E-commerce and Contactless service feature disabled on my Prepaid Card?

With reference to the RBI circular RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 dated 15th January 2020 on enhancing security of card transaction, as a security measure the E-commerce and Contactless service has been disabled on Prepaid Cards who have not used these service prior to 31st Mar 2019.
Also, all new cards or replaced cards issued on or after 1st February 2021, the E-commerce and Contactless service has been disabled.


How do I enable E-commerce and Contactless service on my Prepaid Card?

You can easily enable E-commerce and Contactless service on your card by logging in to HDFC Bank Prepaid Card Netbanking by just following below mentioned 4 simple steps.

  • Login with your User ID and Password
  • Go to “Account Summary” tab and click on “Manage My Profile” option
  • Click on “Manage My Limits” tab and then select your “Card”
  • Enable the service & set transaction/daily limit*

Also you can place the request at the nearest HDFC Bank branch to enable E-commerce and Contactless service on your card.


How soon can I get a FoodPlus card?

FoodPlus card is a personalized VISA Card and the TAT for receiving a personalized card is 7 working days.


Will I be able to Transfer money to Food plus card from my account or from any other account?

Food Plus card is a corporate card, any instruction with regards to load / reload and BT in the card can be done only on the basis of Corporate Instructions to the Bank. Individual Cardholder requests cannot be Processed.


What happens if the PIN is forgotten?

The cardholder should call PhoneBanking and ask for a reissuance. Remember that the PIN will be delivered to the purchaser's address.


What is HDFC Bank's FoodPlus card?

It is an electronic VISA prepaid card issued to corporate organizations.


What do I need to know about the HDFC Bank FoodPlus Card?

The HDFC Bank FoodPlus Card is an electronic prepaid card designed for meal allowances.


Can I use the card to withdraw cash?

No, it cannot be used for cash withdrawls at ATM.


How can I load/reload my FoodPlus card?

Your FoodPlus card can be loaded/reloaded only basis the instructions received from your employer.


Is there a load amount limit?

Card balances cannot be more than Rs.10,000/-* at any given point of time, additionally, the cumulative amount of load/reload also cannot exceed Rs.10,000/-* in a month

Apollo Medical Benefit Card

What is the HDFC Bank Apollo Medical Benefits Card?

It is an electronic Prepaid Card issued to corporate organizations for offering medical allowance/reimbursement to their employees.

 

Where can I contact for offers/service related issues?

You can call the Apollo customer care service centre number 1860 500 1066 or write to apollomedicalcard@apollohospitals.com

 

Where can I contact for any card or transaction related issue?

Please call customer service centre number 07666 155 220 or write to apolloassistance@itz.com

 

How soon can I get the HDFC Bank Apollo Medical Benefits Card?

HDFC Bank Apollo Medical Benefits Card will be available to you within 15 working days from the date of completion of formalities.

 

Is there a usage limit?

No upper limit for usage limit on Point of Sale transactions. Usage restricted to the available balance in card.

 

Is there a load amount limit?

Card balances cannot exceed Rs. 10,000 at any given point in time and cumulative monthly load and reload is limited to Rs. 10,000.

 

How do I top up the value of the card?

Loading and reloading is as per the corporate instructions. Request from cardholder for reloading the card cannot be accepted.

 

In case the card is lost or stolen or misused where I can hotlist my card?

Card can be hot listed by calling/writing to customer service centre at the phone number and/or email address listed on the back of your card.

 

Can I use my Medical benefit card outside India?

No. Medical Benefit card is INR prepaid card which can be used only in India.

 

Where I can use the card?

HDFC Bank Apollo Medical Benefits Card can be used at medical outlets, pharmacies, hospitals, diagnostic centres, dental and laboratories displaying VISA logo.

 

Where I can view my card balance and card history?

Card balance and card history can be viewed at www.hdfcbank.com after due login or can be accessed by calling/writing to customer service centre at the phone number and/or E-mail address listed on the back of your card.

GiftPlus Card

How is the value topped up?

GiftPlus cards are non reloadable in nature and hence cannot be topped up.

 

How do I purchase HDFC Bank GiftPlus card?

GiftPlus cards are available in all HDFC bank branches. You can also purchase GiftPlus card online, through our NetBanking service.
Detailed steps for online purchase is mentioned below:
Log on NetBanking.
Go to "Accounts" section and select "Purchase Gift Card".
GiftPlus Card can be personalised with the beneficiary name as provided by you. You will need to have Financial rights (TPT) for this transaction.

 

Can I load GiftPlus card by making payment in Cash?

No, GiftPlus card cannot be loaded against payment of cash. GiftPlus card can be loaded by way of a Direct debit to your HDFC Bank account, local cheque drawn on HDFC Bank or demand draft

 

Can the value of the card be topped up?

Gifting we believe is special to the occasion and hence you cannot reload this card. Every occasion is a new occasion and deserves a new card.

 

How soon can I get a GitfPlus card?

In our bank branches, GiftPlus Card can be availed of from over the counter. These cards however are non-personalised. If a personalised card is requested online or at any branch, the TAT is 5-7 working days.
The convenience of online purchase is that the card will be delivered to the address specified in your instructions

 

Can Gift plus card used outside India?

GiftPlus Card is a INR Prepaid card, which can be used only in India.

 

Is there a fee levied for the use of the card?

No, there is no charge on the usage of the card. However, there are charges for reissuance.Any Surcharge on account of card usage would be applicable on this card and is Nonrefundable by Bank

 

How soon can I use the card after I have purchased it?

Your card will be activated with the loaded amount within a few hours after the bank has received clear funds from you. Once activated, the card is ready for use.

 

What documents should I submit when I purchase an HDFC Bank Giftplus card?

If you are an existing HDFC Bank Current or Savings Account holder then you just need to submit the Giftplus card application form.

If you are not an existing HDFC Bank Current or Savings Account holder then you need to submit the Giftplus card application form along with your ID proof and address proof.

 

Is there a load amount limit?

Yes, a card balance cannot be more than Rs. 50,000 at any given point in time.

 

What are the charges on the card?

The usage of the card is not charged but the reissuance of the card is charged Rs. 100 per reissuance.

 

What if I forget my ATM PIN?

You can call your local HDFC bank PhoneBanking number and ask for a new PIN to be reissued to you. The PIN however will be delivered to the purchaser's address with the bank. You can request for a new PIN over the Internet through your Giftplus card account.

 

Who should I contact if my card is lost or stolen?

In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs. on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com. A new Card will be issued and the residual balance on your hotlisted Card will be transferred to your new Card.
New card will be issued only basis the request received from the purchaser.The request for balance transfer from old card to new card will be honored only basis the request received from purchaser

 

Can the ATM PIN be changed?

No, the ATM PIN cannot be changed.

 

Do I need to have an HDFC Bank account to purchase an HDFC Bank Giftplus card?

No, you dont need to have an HDFC Bank account to purchase a Giftplus card. Simply walk into any HDFC Bank branch in India, submit your KYC documents and purchase an HDFC Bank Giftplus card over the counter.Mode of payment : Cheque/DD

 

Are there any transactions for which I cannot use the Card?

Yes, the card cannot be used to withdraw cash. It can only be used for POS transactions.

Note: The Bank reserves the right to charge the Cardholder for any unauthorized amounts.

 

What is the HDFC Bank Giftplus card?

HDFC Bank's GiftPlus card is a magnetic strip based prepaid card brought to you in partnership with VISA

MoneyPlus Card

Why is E-commerce and Contactless service feature disabled on my Prepaid Card?

With reference to the RBI circular RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 dated 15th January 2020 on enhancing security of card transaction, as a security measure the E-commerce and Contactless service has been disabled on Prepaid Cards who have not used these service prior to 31st Mar 2019.
Also, all new cards or replaced cards issued on or after 1st February 2021, the E-commerce and Contactless service has been disabled.


How do I enable E-commerce and Contactless service on my Prepaid Card?

You can easily enable E-commerce and Contactless service on your card by logging in to HDFC Bank Prepaid Card Netbanking by just following below mentioned 4 simple steps.

  • Login with your User ID and Password
  • Go to “Account Summary” tab and click on “Manage My Profile” option
  • Click on “Manage My Limits” tab and then select your “Card”
  • Enable the service & set transaction/daily limit*

Also you can place the request at the nearest HDFC Bank branch to enable E-commerce and Contactless service on your card.


Is there a usage limit?

  • Rs 10,000 per transaction for cash withdrawals
  • No usage limit on POS usage


How soon can I get a MoneyPlus card?

MoneyPlus card is a personalized VISA Card and the TAT for receiving a personalized card is 7 working days.


Is there a load amount limit?

Card balances cannot be more than Rs. 50,000 at any given point in time.


What is the HDFC Bank MoneyPlus Card?

It is an electronic prepaid card issued to corporate organizations.


How do I top up the value a card?

Loading and reloading is as per the corporate instructions. It is not possible for cardholders to request a reload.

Multi Currency ForexPlus Platinum Card

FAQs

1. Why is E-commerce and Contactless service feature disabled on my Prepaid Card?

With reference to the RBI circular RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 dated 15th January 2020 on enhancing security of card transaction, as a security measure the E-commerce and Contactless service has been disabled on Prepaid Cards who have not used these service prior to 31st Mar 2019.

Also, all new cards or replaced cards issued on or after 1st February 2021, the E-commerce and Contactless service has been disabled.

Note – Contactless / Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.

2. How do I enable E-commerce and Contactless service on my Prepaid Card?

You can easily enable E-commerce and Contactless service on your card by logging in to HDFC Bank Prepaid Card Netbanking by just following below mentioned 4 simple steps.

• Login with your User ID and Password

• Go to “Account Summary” tab and click on “Manage My Profile” option

• Click on “Manage My Limits” tab and then select your “Card”

• Enable the service & set transaction/daily limit*

Also you can place the request at the nearest HDFC Bank branch to enable E-commerce and Contactless service on your card.

*Note - For Prepaid Forex Card, you can set ATM Cash Withdrawal transaction daily limit upto USD 5,000/- (equivalent in other currencies

Contactless / Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.


How to set the ATM PIN?

Please note that the Bank does not provide ATM PIN for your HDFC Bank Multi Currency ForexPlus Platinum Card. You need to set the ATM PIN online by using HDFC Bank Prepaid Card NetBanking service. In future also you can use the NetBanking service to reset your ATM PIN.


What options should I choose to withdraw cash from the ATM?

At the time of cash withdrawal across VISA/Plus ATMs abroad, the screen will display 3 options for the type of account you carry out transactions in:

  • Credit
  • Saving
  • Checking

Please choose the credit option for transaction to be successful or if this option is not available then only choose the checking option.


What services can I avail on GCAS?

You can avail following services Through GCAS

  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Cardholder Inquiry Service
  • Lost and Stolen Card Reporting
  • Emergency Legal Assistance
  • Emergency Medical Assistance
  • Emergency Message service
  • Emergency Ticket Replacement Assistance
  • Emergency Translation Service
  • Lost Luggage Assistance

Note: Visa Charges are applicable


Do I need to load all currencies on the card?

You can load only the currency of your choice depending on your need.


How can I avail of Global Customer Assistance Services (GCAS) for my HDFC Bank Multi Currency ForexPlus Platinum Card?

You can call The following Toll free numbers for visa GCAS

United States: 1-866-765-9644, United Kingdom: 0800-169-5189, Australia: 1800-450946, Canada: 1-866-639-1911, France: 0800-904349, Germany: 08001822891, Singapore: 800-4481- 250, Hong Kong: 800-900-782, Japan: 00531-44-002

Alternatively, you can place a collect call through your local operator to +1 443 641 2004

Or for Country wise VISA call center numbers click the following link << Visa Global Customer Assistance>>


Do I need to pay an additional amount over and above the Cash withdrawal Charges levied by HDFC Bank for ATM transactions?

The Banks in the U.S. are given right by the local federal laws to charge Surcharge/fees from other Bank customer's accessing their ATM to withdraw money. Accordingly many ATMs in US do levy charges for withdrawing from their ATM over and above the charges levied by the HDFC Bank. Similarly, there are certain ATMs across other countries which may levy a charge for transactions done by other bank customers.
This charge is normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort it.


What if I don’t have sufficient balance in the wallet corresponding to currency of transaction?

If the balance in your wallet corresponding to currency of transaction goes down then your Card checks for balances in the other currency wallets and transaction is processed by debiting the currency wallet with sufficient balance by converting the wallet currency into the currency of transaction. In this case currency conversion charges are applicable. Please note that in such a scenario entire transaction amount would be debited from currency wallet with sufficient balance.


What if I forget or lose the activation code?

You will have to enter your HDFC Bank Multi Currency ForexPlus Platinum Card number and other requisite details on the HDFC Bank Prepaid card NetBanking login page. After you fill the requisite details your activation code will be sent to you on your registered email account.


Do I need to have an HDFC Bank account to purchase HDFC Bank Multi Currency ForexPlus Platinum Card?

No, you don't need to have an account with HDFC Bank to purchase the HDFC Bank Multi Currency ForexPlus Platinum Card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.


What is activation code?

The activation code is required to activate your HDFC Bank Multi Currency ForexPlus Platinum Card NetBanking service.


What is the validity period of my Card?

Your Card is valid for 5 years.


Which currencies can I carry on the card?

You can carry following currencies on your HDFC Bank Multi Currency ForexPlus Platinum Card - Australian Dollar, United Arab Emirates Dirham, Canadian Dollar, Euro, Japanese Yen, Singapore Dollar, Sterling Pound, Swiss Franc, Swedish Krona and US Dollar.


Whom should I contact if my Card is lost or stolen?

Immediately report the loss of your HDFC Bank Multi Currency ForexPlus Platinum Card by calling HDFC Bank PhoneBanking. You will not be liable for transactions on your Card Account (if any) from the moment card loss is registered with the bank. You can also hotlist the card by using NetBanking services.


Can the value of the Card be topped up?

Top-ups or reloads can be carried out in 2 ways 
a) You can authorize the Bank to debit your account by giving an HDFC Bank cheque, cash or a local cheque drawn on HDFC Bank to reload the Card.
b) The Card can also be reloaded by another person, authorized by you to reload your Card. The authorized person will need to visit the HDFC Bank branch with the money and will need to provide the necessary documents to the bank. On receipt of the application form and the funds, your Card will be reloaded with the desired amount.


Can this Card be used in India?

No, this Card cannot be used in India, Nepal and Bhutan.


How much Foreign exchange can I load into the card?

You can load the currencies as per the limits prescribed by FEMA guidelines.


How does this Card work?

Your HDFC Bank Multi Currency ForexPlus Platinum Card will be activated and loaded with the Currencies as per your instructions. Once active, the card can be used at any International location across all currencies. (Usage of the card is not allowed in India, Nepal and Bhutan)


How do I get the activation code?

Your activation code is provided to you in your HDFC Bank Multi Currency ForexPlus Platinum Card kit and can be found on the Card Mailer beneath the card plastic.


How do I get the NetBanking PIN?

Please note that the Bank does not provide NetBanking PIN (IPIN) for your HDFC Bank Multi Currency ForexPlus Platinum Card. You need to set the IPIN online by using HDFC Bank Prepaid Card NetBanking service. In future also you can use the NetBanking service to reset your NetBanking PIN.


How many currencies can I carry on the card?

You can carry a maximum 10 currencies on your HDFC Bank Multi Currency ForexPlus Platinum Card


Are there any transactions for which the Card should not be used?

Yes, your Card should not be used for temporary charges - e.g. paying deposits at hotels, hiring of cars etc. In case you have paid these deposits using your HDFC Bank Multi Currency ForexPlus Platinum Card and the hotel/car rental agency etc. settles for an amount less than the deposited amount or you pay through a different mode the balance amount will be credited to your account only after 35 days from the transaction date.


Can I get a refund towards residual Forex on my return?

After you return you can choose to cash out any residual foreign currency on your Card. The zero value or partially loaded card plastic can still be with you and you can reload it or use it till the validity of the card, which is 5 years.


Can I reload my Card while I am abroad?

You can reload the Card through a person appointed by you. The authorized person can reload the card by visiting any of the HDFC Bank branch.


Can I transfer currency on my Card from one wallet to other?

You can transfer balance of one currency wallet to other currency wallets depending on your need using the NetBanking facility. Currency conversion charges as decided by the Bank from time to time would be applicable for such transfers and would be communicated to you at the time of transfer.


Can I use the Card to pay in any currency?

Yes the Card can be used to pay in any currency apart from those loaded in the Card. The Card itself converts the balance in the currency wallets to the currency of transaction. Currency conversion charges will be applicable.


HDFC Forex Card Insurance Cover and Policy terms and conditions

Complimentary Card Insurance Coverage -


Category

Single Currency Forex Cards

Multicurrency & Regalia Forex Cards

Sum Insured / Limit of Liability (value in INR)

Section I

Card Liability (Skimming/Counterfeiting/Lost Card)

500,000

500,000

Section II A

Accidental Death (Road / Rail)

200,000

500,000

Section II A

Accidental Death (Air)

500,000

2,500,000

Section VI C

Loss of Personal Documents

(only Passport)

50,000

50,000

Section VII

Loss of Cash in Transit

60,000

60,000

Section VI A

Loss of Checked Baggage (only at Airports)

Single Any One Item Limit: 50%

20,000

20,000


Card Insurance Special Conditions and Terms and Conditions -

1. The cover is applicable for primary cards as well as add-on cards.

2. Territory of Insurance: Worldwide, however, all the coverages under the policy are applicable on International Travel only. All travel related and personal accident covers will cease once the cardholder is back to the country of residence.

3. Pre and post reporting clause is applicable for Section I (Card Liability Cover) and the extensions applicable to Section I.

4. Card liability cover would be applicable only when there is any loss outside the territorial limits of India.

5. Travel Insurance:

  • Travel Insurance provided under the policy shall not be valid for procuring a visa.

  • Loss of Personal Documents would include loss of passport only. Claims for any other item would not be payable under the section.

  • Travel Insurance Sections would be applicable for the card when the Insured is travelling abroad outside the territorial limits of India.

6. Terrorism is excluded under the policy.

7. Cash in Transit:- In the event of loss of Money belonging to the Insured person(s) by way of hold-up, robbery, theft, burglary or any other fortuitous cause while the money is in transit from any ATM/Bank to the destination, provided the destination is within the city limits and the transit is completed within the 3 hours, the Company hereby agrees subject to the terms, condition and exclusions herein contained, endorsed or otherwise expressed hereon, to pay the Insured the amount(s) of loss in the circumstances or situations as set out in the Schedule, provided always that the limit of the Company's liability for Any One Loss shall in no case exceed the amount specified against the respective Item in the said Schedule and the Company’s liability under more than one such occurrence during the Period of Insurance as set out in the Schedule shall not in the aggregate, exceed the Sum Insured. Warranted that money carried in public transport is excluded from the scope of coverage except when carried in a hired taxi.

8. In the event the insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefit (highest sum insured).

9. Claim Submission to HDFC ERGO Corporate office to be within a period of 180 days from date of blocking.

10. Policyholder to provide Intimation of Claim within 60 days from date of loss / blocking by the insured.

11. Quarterly Declarations shall be required updating the number of cards per category and specifying the BIN Series with the first and last four digits of the cards.

12. For skimming / phishing / counterfeit card / internet banking extensions - reporting to Bank within 60 days from the statement/billing cycle date. However, this above reporting period will not be applicable where we can establish with documentary evidence that the information of misuse was known to the insured cardholder and he has not taken appropriate steps to prudently block or report the card mis-usage within 24 hours of such knowledge. This intimation will apply for the cardholder only and not the Policyholder (Bank).

13. Further, the policy shall covers losses due to skimming / phishing / counterfeit / internet banking frauds extensions subject to a maximum period of 30 days from date of first fraud.

14. Vishing:- The policy will cover vishing loses only where the card holder shares the card information namely - Card number, Expiry date, CVV over telephone to the imposter (acting as a reliable source). However, any losses arising due to use of information which are unique in nature and known only to the card holder like PIN, Password, OTP password are not covered in case of Vishing losses. The total annual sub-limit for such losses is Rs 10,00,000/-

15. Onus of proof that, the claim does not fall within the policy terms and conditions will be with the Insurance company.

16. Fraudulent transactions done by person known to the cardholder are specifically excluded.

17. Person known to the cardholder means an Insured Person’s Spouse; children; children-in-law; siblings; siblings-in-law; parents; parents-in-law; grandparents; grandchildren; legal guardian, ward; step or adopted children; step-parents; aunts, uncles; nieces, and nephews, maids, servants, person who have access to card and pin.

18. Bodily injury sustained whilst or as a result of participating in any sport as a professional player is excluded in the policy.

Card Insurance Inclusion/Exclusion and Terms and Conditions -

SECTION I - CARD LIABILITY COVER

The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the Insured/Insured Person(s) a sum not exceeding the Sum Insured / Limit of Liability, unless otherwise agreed by the Company, in respect of the debits or transactions established against the Insured/ Insured Person(s) resulting only from the unauthorized use of any lost or stolen Card issued by the Insured named in the Schedule and the subsequent use of such lost or stolen Card by any unauthorized person. The excess/deductible as stated in the Policy schedule shall apply to the limit of liability.

Specific Conditions applicable to Section I


1) The cover under Card Liability Cover shall be applicable only for certain number of days prior to reporting the loss of Card (pre-reporting period) and certain number of days post reporting of loss of card as mentioned in the schedule.

Specific Exclusions applicable to Section I


The company will not make any payment in respect of:

1) Any loss or damage arising out of any Card transactions which have occurred after the loss of Card has been reported to the Insured named in the Schedule and not covered under the scope of the special conditions under section I above, unless specifically agreed by the Company in writing.

2) Debits established against the Insured Person(s) resulting from the use of counterfeit Card (which shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank). Counterfeit Card shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank named in the Schedule or a Card duly issued by the Insured named in the Schedule which is subsequently altered or modified or tampered with without consent of the Insured named in the Schedule.

3) Losses sustained by the Insured Person(s) resulting directly or indirectly from any fraudulent or dishonest acts committed by Insured Person(s)’s employee, acting alone or in collusion with others in respect of the Card.

4) Losses sustained by the Insured Person(s) through forgery or alteration of or on or in any written instrument required in conjunction with any Card.

5) Losses resulting from any Card issued without making a proper application to the Insured named in the Schedule. However, this exception will not apply in respect of replacement of a Card which has been previously issued by the Insured named in the Schedule.

6) Losses arising out of use of the Card by the Insured Person(s) with intent to defraud the Insured named in the Schedule.

7) Losses, which the Insured named in the Schedule is legally entitled to recover from the Insured Person(s), or the corporate or other legal entity agreeing to honour Card expenses incurred by the Insured Person(s).

8) In case of cancellation of purchases of products or services, if the amount refunded is not credited to the Original Source of Booking then the insurance company will not make payment for any claim arising as a consequence of this to the Insured / Insured Person(s).

Specific Claims Provisions applicable to Section I


1) Upon the happening of any event which may give rise to a claim under this policy, the Insured / Insured Person(s) named in the Schedule, shall immediately give written notice to the Company with full particulars as far as possible.

2) If the Insured / Insured Person(s) shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this policy shall become void and all claims hereunder shall be forfeited.

3) The Insured named in the Schedule shall maintain proper and up-to-date record of the Insured Person(s) and shall allow the Company to inspect such records at any time, subject to the confidentiality obligations of the Insured. Also, at all points of time during the currency of the Policy, the Insured named in the Schedule is to ensure that adequate premium is paid to the Company to ensure that this Policy applies to cover all the Cardholders of the Insured. If, at any point of time, the required premium is not paid to the Company to cover the Cardholders of the Insured, the Cardholders in respect of whom the premium is not received by the Company from the Insured Person(s) shall be treated as not covered under this Policy.

4) The Insured / Insured Person(s) shall at his own expenses take all reasonable precautions to prevent loss at all times and adhere and shall keep records of all transactions in such manner that the Company can accurately determine on basis of these records, the amount of loss.

5) This policy shall not cover any loss or damage which at the time of happening of such loss or damage is insured by any other existing policy of Insurance, except in respect of excess beyond the amount which would have been payable under such other policy or policies had this insurance not been effected.

6) Losses arising out of debits raised and established against the Insured Person(s) after receipt of List of Stolen Cards by the Member establishments of the Insured, with whom the Insured has an Acquiring Bank relationship, are not payable.

7) On payment of a claim by the Company, the total amount of indemnities and the indemnity amount per Cardholder will stand reduced by the amount of claim paid, unless the same is reinstated on payment of additional premium by the Insured.

SECTION II - PERSONAL ACCIDENT COVER


Specific Definitions applicable to Section II


1) “Accident” is a sudden, unforeseen and involuntary event caused by external and visible means...

2) “Bodily Injury” means physical, external, Accidental bodily injury occurring suddenly in time and resulting solely and independently of any other cause or any physical defect or infirmity existing before the Period of Insurance.

3) “Permanent Total Disablement” means disablement, as the result of a bodily injury, which continues for a period of twelve (12) consecutive months, and is confirmed as total, continuous and permanent by a Physician after the twelve (12) consecutive months, and entirely prevents an Insured Person from engaging in or giving attention to gainful occupation of any and every kind for the remainder of his/her life.

II A). ACCIDENTAL DEATH


If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in Death within twelve (12) months of the Date of Loss, then the Company agrees to pay to the Insured Person’s Beneficiary or legal representative the Compensation stated in the Schedule.

Specific Extensions applicable to Section II A


1) Disappearance: In the event of the disappearance of the Insured Person, following a forced landing, stranding, sinking or wrecking of a conveyance in which such Insured Person was known to have been travelling as an occupant, it shall be deemed after twelve (12) months, subject to all other terms and conditions of this Policy, that such Insured Person shall have died as the result of an Accident. If at any time, after the payment of the Accidental death benefit, it is discovered that the Insured Person is still alive; all payments shall be reimbursed in full to the Company. 2) Exposure: Death as a direct result of exposure to the elements shall be deemed to be Bodily Injury.

Specific Conditions applicable to Section II A


1) If applicable and if payment has been made under the Permanent Disablement Section, any amounts paid under that Section would be deducted from payment of a claim under this Section of the Policy.

Specific Exclusions applicable to Section II


The Company shall not be liable to pay any benefit in respect of any Insured Person(s):-

1. for Bodily Injury or Sickness occasioned by Civil War or Foreign War. 2. for Bodily Injury or Sickness caused or provoked intentionally by the Insured Person. 3. for Bodily Injury or Sickness due to wilful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat, or arising out of nonadherence to medical advice. 4. for Bodily Injury or Sickness sustained or suffered whilst the Insured Person is or as a result of the Insured Person being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician. 5. for Bodily Injury due to a gradually operating cause. 6. for Bodily Injury sustained whilst or as a result of participating in any criminal act. 7. for Bodily Injury sustained whilst or as a result of participating in any sport as a professional player. 8. for Bodily Injury sustained whilst or as a result of participating in any competition involving the utilisation of a motorised land, water or air vehicle. 9. for Bodily Injury sustained whilst or as a result of riding or driving a motorcycle or motor scooter over one hundred fifty (150) cc. 10. for Bodily Injury whilst the Insured Person is travelling by air other than as a fare paying passenger on an aircraft registered to an airline company for the transport of paying passengers on regular and published scheduled routes. 11. for Bodily Injury or Sickness resulting from pregnancy within twenty-six (26) weeks of the expected date of birth. 12. for Bodily Injury or Sickness caused by or arising from the conditions commonly known as Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or caused. The onus shall always be upon the Insured Person to show that Bodily Injury or Sickness was not caused by or did not arise through AIDS or HIV. 13. for Bodily Injury or Sickness caused by or arising from or due to venereal or venereal related disease. 14. for Bodily Injury sustained whilst or as a result of active participation in any violent labour disturbance, riot or civil commotion or public disorder. 15. for Bodily Injury sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, notwithstanding that the Bodily Injury occurred whilst the Insured Person was on leave or not in uniform. 16. for treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity. 17. any pathological fracture. 18. for cures of any kind and all stays in long term care institutions (retirement homes, convalescence centres, centres of detoxification etc.). 19. for investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency. 20. for Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hangliding, parasailing, off-piste skiing or bungee jumping. 21. for Bodily Injury caused by or arising from or as a result of Terrorism.

SECTION VI – TRAVEL INSURANCE


SECTION VI (A) - CHECKED BAGGAGE LOSS


If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects that have been checked in on the same Common Carrier as a travelling Insured Person, are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.

Specific Definitions applicable to Section VI (A)


1) Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.


Specific Conditions applicable to Section VI (A)


1) All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim. 2) If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy. 3) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.


Specific Exclusions applicable to Section VI (A)


The Company shall not be liable to pay any benefit in respect of any Insured Person for: 1) loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons. 2) mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle. 3) destruction or damage due to wear and tear, moth or vermin. 4) baggage, clothing and personal effects despatched as unaccompanied baggage. 5) theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means. 6) loss or damage to sports equipment whilst in use, contact lenses, samples, tools. 7) for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority. 8) for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. 9) for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring. 10) for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause. 11) a claim involving animals. 12) loss, including but not limited to loss by theft, or damage to vehicles or other accessories. 13) for any loss that is not reported either to the appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained. 14) baggage and/or personal effects sent under an airway-bill or bill of lading. 15) computer equipment, cameras, musical instruments, radios and portable radio/cassette/compact disc players. 16) contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.


Specific Claims Provisions applicable to Section VI (A)


In the event of a claim the Insured Person must: 1) give immediate written notice: a) to the relevant Common Carrier in the event of loss or damage in transit; b) to the relevant police authority in the event of loss or theft; 2) submit a copy of the relevant Common Carrier or police report when a claim is made; 3) obtain a Common Carrier or police report where the loss occurred; 4) in the event of loss by a carrier, retain original tickets and baggage slips and submit them when a claim is made; 5) submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and 6) for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made.


For purposes of any claim hereunder: 1) a pair of skis, ski boots and accessories shall be regarded as one item; 2) bottles of perfume, aftershave, and make up shall together be regarded as one item; 3) the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.


SECTION VI (C) - LOSS OF BAGGAGE AND PERSONAL DOCUMENTS


If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects owned by or in the custody of an Insured Person are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.


Specific Definitions applicable to Section VI (C)


Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.


Specific Conditions to applicable Section VI (C)


Any valid claim involving a motor vehicle, and at all time subject to Specific Exclusion (5), will be limited to a maximum of fifty percent (50%) of the Sum Insured stated in the Schedule. All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim. If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy. If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.


Specific Exclusions applicable to Section VI (C)


The Company shall not be liable to pay any benefit in respect of any Insured Person for: loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons. mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle. destruction or damage due to wear and tear, moth or vermin. baggage, clothing and personal effects despatched as unaccompanied baggage. theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means. loss or damage to sports equipment whilst in use, contact lenses, samples, tools. for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority. for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring. for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause. a claim involving animals. loss, including but not limited to loss by theft, or damage to vehicles or other accessories. for any loss that is not reported either to the appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained. baggage and/or personal effects sent under an airway-bill or bill of lading. computer equipment, cameras, musical instruments, radios and portable radio/cassette/compact disc players. contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.


Specific Claims Provisions applicable to Section VI (C)


In the event of a claim the Insured Person must: give immediate written notice: to the relevant Common Carrier in the event of loss or damage in transit; to the relevant police authority in the event of loss or theft; submit a copy of the relevant Common Carrier or police report when a claim is made; obtain a Common Carrier or police report where the loss occurred; in the event of loss by a Common Carrier, retain original tickets and baggage slips and submit them when a claim is made; submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made. For purposes of any claim hereunder: a pair of skis, ski boots and accessories shall be regarded as one item; bottles of perfume, aftershave, and make up shall together be regarded as one item; the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.


SECTION VII - CASH IN TRANSIT


In the event of loss of Money belonging to the business or profession of the Insured due to accident or misfortune happening during the currency of the Policy, the Company hereby agrees subject to the terms, condition and exclusions herein contained, endorsed or otherwise expressed hereon, to pay the Insured the amount(s) of loss in the circumstances or situations as set out in the Schedule, provided always that the limit of the Company's liability for Any One Loss shall in no case exceed the amount specified against the respective Item in the said Schedule and the Company’s liability under more than one such occurrence during the Period of Insurance as set out in the Schedule shall not in the aggregate, exceed the Sum Insured.


The Company will pay for cost of replacement or repair of the Insured’s safe or strongroom or cash box at the Insured’s premises in the event of it being damaged by thieves or burglars subject to Limit of Any One Loss and Sum Insured as aforesaid.


Specific Exclusions applicable to Section VII


The Company shall not be liable to make any payment under this section in connection with or in respect of any expenses whatsoever incurred by any insured in the following cases:


1) Loss occasioned by Riot, Strike; 2) Money carried under contract of affreightment; 3) Theft of money from unattended vehicle; 4) Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased. 5) Shortage of any money due to any error or omission of the Insured or any other person; 6) Loss of or Damage to money in transit by post 7) Loss or damage attributable to wilful /gross negligence on part of the Insured Person (s) or any other person acting on behalf of the Insured Person(s).


Specific Claim Provision applicable to Section VII


Upon the happening of any event giving rise or likely to give rise to a claim under this policy coming to knowledge of the Insured:


The Insured shall give immediate notice to the Police and to the policy issuing office of the Company and take all practical steps to discover the guilty person or person and to recover the Cash lost. The Insured shall deliver to the Company, within fourteen days from the date on which the event shall have come to his knowledge, a detailed statement in writing of the loss.


The Insured shall furnish all explanations, vouchers, proof of ownership and other evidence to substantiate the claim and the Company may, if it deems necessary require corroborative evidence of the statement of the Insured or any of Insured family members of employee/s.


The Insured Person(s) shall be required to furnish the following for or in support of a claim: (a) Claim form, duly completed; (b) A copy of First Information Report/ Complaint lodged with concerned Police Station or Panchnama in respect of any loss on account of or during riot and strike, or on account of or due to theft.


Frequent Asked Questions –


Q.1. Why is the cardholder required to fill a cardholder dispute form (CDF) to report transaction dispute ?

A.1. Cardholder is required to submit duly filled and signed dispute form at the respective HDFC Bank branch (along with the documents) stating the exact the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank.

Cardholder can also email us the scanned CDF copy along with the documents (as mentioned in CDF or as below) to support@hdfcbank.com.

Q.2. What is the time frame to report fraudulent/unauthorised transactions occurred on Forex Card ?

A.2. Any fraudulent/unauthorised transaction dispute needs to be reported to the bank in writing within 30 days from the transaction date. The insurance settlement is subject to merits of claims which may require further investigation by insurer. While the turn around time for claim settlement is 30 days from the date of submission of documents, in case of specific circumstances or investigation the settlement can get delayed up to 120 days. The credit to cardholder will be provided only post successful settlement from the insurance company.

Please note that any case reported after 45 days from the date of transaction and documents submitted after 90 days from the date of transaction will not be processed by the insurance company.

Q.3. Which documents are to be submitted for filing insurance claim ?

A.3. Following are the category wise documents which are required to be submitted.

Category

Documents required to be submitted

Section I

Card Liability (Skimming/Counterfeiting/Lost Card)

· Duly filled and signed CDF

· Self attested copy of all the pages of passport (including blank pages)

· Copy transaction slip if any

· Local Police FIR copy (if the FIR is not in English, then a translated copy in English notarised by

the Consulate has to be enclosed)

Please note that for Lost Card insurance cover is only available for transactions which have happened on the card up to 24 hours prior to the card getting reported as lost or stolen.

Section II A

Accidental Death (Air/Road / Rail)


Legal Heir of the cardholder has to submit request letter to claim for death cover stating the following at the branch;

· Name of the deceased Forex cardholder

· Forex Card Number

· Passport Number

· Date during which the customer was travelling

· Date of Accident

· Incident detail/Cause of the death

Legal Heir should also attach proof that he / she is the legal heir to the deceased cardholder

• Copy of the FIR

• Postmortem Report

• Inquest Report

• Police Field Incident report (if any)

• Death Certificate

• Claim Form

• Self attested copy of the Passport with entry and exit stamp of the Airport of the deceased forex cardholder

In case the death has happened abroad, then documents should be translated in English and notarized by the Consulate

Section VII

Loss of Cash in Transit

• Duly filled and signed CDF

• Self attested copy of all the pages of passport (including blank pages)

• FIR copy (if the FIR is not in English, then a translated copy in English notarised by the Consulate has to be enclosed)

• Ticket copy

• ATM Cash Withdrawal slip

Please note that, the customer need to report disputed transactions within 14 days from the transaction date & need to submit the documents as mentioned above

Section VI A

Loss of Checked Baggage (only at Airports)

Single Any One Item Limit: 50%


&


Section VI C

Loss of Personal Documents (only Passport)

• Cardholder has to submit request letter to claim for Baggage Loss / Passport Reconstruction stating the following at the branch;

· Forex Card Number

· Passport Number

· Date during which the customer was travelling abroad

· Date of Baggage / Passport Loss

· Detailed list of items lost, their value and the Amount claimed.

• Duly filled and signed CDF

• Insurance Claim Form

• Self attested copy of the Passport with entry and exit stamp of the Airport

• Local Police FIR copy (if the FIR is not in English, then a translated copy in English notarised by the Consulate has to be enclosed)

• Ticket copy (substantiating that the customer was abroad at the date of baggage loss)

• In case of Passport Reconstruction Cover, bills/receipts of passport reconstruction and copy of the old & new passport


Meanings –

Lost Card cases - If the card is lost and there is a transaction which has got processed on the card not authorized by the customer

Card Liability Cover (Skimming / Misuse) - If the card is in the possession of the customer and there is a transaction which has got processed on the card not authorized by the customer

Loss of Cash in Transit - If the cash money is lost belonging to the cardholder by way of hold-up, robbery, theft, burglary or any other fortuitous cause while the money is in transit from any ATM/Bank to the destination, provided the destination is within the city limits and the transit is completed within the 3 hours

Note – Any additional documents as requested by the bank or Insurance Company for processing the claim, the cardholder shall have to provide accordingly. In the absence of the same the claim shall be rejected.

Q.4. Which documents are to be submitted for raising dispute wrt failed transactions ?

A.4. Following are the category wise documents which are required to be submitted along with the CDF.

Category

Documents required to be submitted

Transaction declined but funds are debited from the card account

OR

Funds not received on the card account in spite of reversal passed by the merchant

OR

Transaction cancelled but refund not received from the merchant

Refund/Void slip from the merchant

OR

Merchant's Banker authorization cancellation letter. i.e. a letter from Bank on the letterhead of the bank. It should cover the following details (Card Number, Txn DT, Amount and Authorization code that needs to be released.)

OR

Merchant letter (signed and stamped by the merchant) on the letter head of the merchant (if merchant is giving confirmation to release the txn on email, such email confirmation would not suffice).

Excess amount debited from the card account

Transaction Slip & Invoice copy from the merchant


Q.5. How do I report such service/merchant related transaction dispute incurred using my Forex Card transaction?

A.5. We strongly recommended that for all service related disputes, the Forex cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution.

Considering all attempts have been made to resolve dispute with the merchant, you may call HDFC Bank PhoneBanking team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction(s) details to support@hdfcbank.com OR submit the same at your nearest HDFC Bank.

Q.6. What is a Service Dispute?

A.6. Following transactions are categorized as service dispute.

· Transaction declined but funds are debited from the account

· Amount debited but payment made through an alternate mode

· Excess amount debited

· Transaction cancelled but refund from merchant not credited

· Dual Debits /Duplicate debits for the same merchant, amount, date and time

· Damaged goods/ Quality of the product or services is not as agreed.


Q.7. How long will it take to resolve a billing dispute wrt POS / Ecom / ATM transactions ?

A.7. Most disputes are resolved within 45-120 days from the date of receipt of CDF along with complete supporting documents, although complex cases could require additional time.

Q.8. What is the time frame to report a any type of disputed transaction or to raise claim with the Insurance Company ?

A transaction dispute should be referred to HDFC Bank within 30 days from the date of transaction with the Customer Dispute Form (CDF) and supporting Documents (as mentioned in the CDF). For Loss of Cash in Transit case the customer need to report disputed transactions within 14 days from the transaction date & need to submit the documents as mentioned above.

The CDF is available under Forms Centre section on the HDFC Bank website.
​​​​​​​

In case, the CDF and supporting Documents are not received within the timelines as mentioned in the CDF, we would be unable to raise the dispute with the acquiring bank and the liability of the transaction would lie with you.

Multicurrency Platinum ForexPlus Chip Card

FAQs

1. Why is E-commerce and Contactless service feature disabled on my Prepaid Card?

With reference to the RBI circular RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 dated 15th January 2020 on enhancing security of card transaction, as a security measure the E-commerce and Contactless service has been disabled on Prepaid Cards who have not used these service prior to 31st Mar 2019.

Also, all new cards or replaced cards issued on or after 1st February 2021, the E-commerce and Contactless service has been disabled.

Note – Contactless / Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.

2. How do I enable E-commerce and Contactless service on my Prepaid Card?

You can easily enable E-commerce and Contactless service on your card by logging in to HDFC Bank Prepaid Card Netbanking by just following below mentioned 4 simple steps.

• Login with your User ID and Password

• Go to “Account Summary” tab and click on “Manage My Profile” option

• Click on “Manage My Limits” tab and then select your “Card”

• Enable the service & set transaction/daily limit*

Also you can place the request at the nearest HDFC Bank branch to enable E-commerce and Contactless service on your card.

*Note - For Prepaid Forex Card, you can set ATM Cash Withdrawal transaction daily limit upto USD 5,000/- (equivalent in other currencies

Contactless / Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.


What if I Forget my Activation Code?

Visit HDFC bank Prepaid NetBanking option and select Forgot Activation Code and provide your card number, Date of Birth and passport number. The code will be sent to your registered email ID. Click here to see the demo.


How can I cancel my Multicurrency Platinum ForexPlus Card?

To cancel your Multicurrency card, we request you visit our your nearest HDFC Bank branch and place a request towards cancellation the of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. Incase you do not have an account with us then a demand draft shall be issued for the respective refund amount. There are no charges towards the cancellation of a Multicurrency card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you. 
Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers:


Do I need to have HDFC Bank account to purchase the Multicurrency Platinum ForexPlus Chip card?

No, you don't need to have an account with HDFC Bank to purchase the Multicurrency card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.


What documents should I submit when I purchase the HDFC Bank Multicurrency Platinum ForexPlus Chip card?

HDFC Bank Savings / Current account holders need to just submit completed application form and copy of valid Passport (or any other documentation as mandated under prevalent LRS guidelines) If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copy of valid Passport and copy of Ticket or Visa (or any other documentation as mandated under prevalent LRS guidelines) .


What is the maximum value for which the Card can be used?

There is no limit imposed on the usage of Platinum Multicurrency card. Customer's can withdraw/utilise any amount, upto the value loaded on Platinum Multicurrency card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.


Is Multicurrency Platinum ForexPlus Chip card enabled for Verified by VISA (VBV)?

Ypes, Multicurrency card offered on VISA platform are pre-enabled for Verified by VISA that allows you to securely perform Ecommerce transactions. 
Following are the steps to perform Ecommerce transaction with VBV participating merchants:

  • Select the goods or services you want from a online store and proceed to the payment page.
  • Enter your HDFC Bank Multicurrency Platinum ForexPlus Chip card Visa number and the online store will connect with HDFC Bank to check whether your Card is secured with Verified by Visa.
  • Enter your IPIN (used for login to Prepaid NetBanking) and HDFC Bank will then confirm your identity to the merchant.
  • Your payment is authorized and your order is placed.


What happens if my card is lost?

In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs. on all days. 
In case if you have been issued a back-up card in the kit, you can activate the back-up card by calling HDFC Bank Phone Banking or through Prepaid NetBanking. Once the back-up card is activated, all the funds from primary card will be transferred automatically to the back up card.


Can the value of the card be topped up?

Yes, your Multicurrency card can be reloaded multiple times in future till the card gets expired.

  • Existing bank customers can reload their Multicurrency card through HDFC Bank NetBanking by selecting Reload Forex Card under the option of Cards tab.
  • Alternatively existing customers can also place in a request to reload the card through HDFC Bank PhoneBanking service.
  • Incase the Card is issued by your corporate/employer, reload requests received through them will be acted upon by HDFC Bank.


Can I use the card to pay in any currency?

Yes, the card is accepted for payment in any currency apart from those loaded on the card. Please note that cross currency conversion charges will be applicable while processing such transactions.


Do I need to activate Multicurrency Platinum ForexPlus Chip card for Ecommerce transactions?

You Multicurrency card is pre-activated to perform Ecommerce transactions once your card is loaded with the Forex currency required.


Can I issue cheques to load the Multicurrency Platinum ForexPlus Chip card?

Customer can load Multicurrency card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated.


Are there extra charges to be aware of?

A few things to note - US Banks are given the right to add a surcharge to other bank customers accessing their ATMs. There are also certain ATMs in other countries that may levy a charge for transactions made by non-bank customers. These fees are normally displayed during the transaction. Check for this, so that you can either proceed with or end the transaction.


I'm not a traveller, can I still benefit from the Multicurrency Card?

The Multicurrency Platinum ForexPlus Chip Card is only for travellers, and cannot be issued to non-travellers


What if the customer is passing by a terminal and a Contactless transaction takes place?

The Contactless technology works when the card is waved at a maximum range of 4 cms. Hence, even if the customer is at a small distance from the terminal, no accidental transaction can take place, Plus the cashier must first enter the amount on the PoS machine before the card is tapped/ waved and the payment is processed


What if the customer waves the card twice at the terminal? Will he/she be charged twice?

No. Even the card is tapped/ waved more than once at the terminal, the customer will only get billed once for the purchase


How will the customer know if the transaction is successful?

The customer will receive a charge slip from the merchant, and also receive an Emailer/ SMS on his/ her registered contact details once the transaction is successful


Is there any difference in the process for ATM and Internet transaction for this Contactless Card?

There is no difference in the transaction process for ATM & Internet transactions. For ATM transactions you need to enter the PIN and for Internet transaction you need to enter your 3D secure PIN or OTP


Who should I contact for my replacement card? Is there a charge for replacement?

Please visit nearest HDFC Bank Branch to get a replacement card. The charges towards reissuance of ForexPlus card are given in schedule of charges. Please contact HDFC Bank PhoneBanking number for more information. 


What services can I avail on GCAS?

You can avail following services through GCAS

  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Cardholder Inquiry Service
  • Lost and Stolen Card Reporting

Note: Visa Charges are applicable


What if I forget my ATM PIN?

Customer can reset ATM PIN by following the below steps:

  • Login to Prepaid NetBanking using IPIN
  • Select My Request ->Set ATM PIN -> Selects the Active Card (Radio Button)
  • Answer the secret question.
  • Mention DOB, Card Expiry and submit
  • Enter the new ATM PIN to be set and finally submit.
  • You will then get an SMS / email alert on your registered mobile number / email address


Which are the currencies that can be loaded on the card?

There are 23 currencies offered which can be loaded on the card:

  • Australian Dollar (AUD)
  • Dirhams (AED)
  • Canadian Dollar (CAD)
  • Euro (EUR)
  • Japanese Yen (JPY)
  • Singapore Dollars (SGD)
  • Sterling Pound (GBP)
  • Swiss Franc (CHF)
  • US Dollar (USD)
  • Swedish Krona (SEK)
  • HongKong Dollar (HKD)
  • Thailand Baht (THB)
  • South African Rand (ZAR)
  • Oman Riyal (OMR)
  • New Zealand Dollar (NZD)
  • Danish Krone (DKK)
  • Norwegian Krone (NOK)
  • Saudi Riyal (SAR)
  • Malaysian Ringgit (MYR)
  • Korean Won (KRW)
  • Kuwait Dinar (KWD)
  • Bahrain Dinar (BHD)
  • Qatari Riyal (QAR)


How much is the currency conversion service tax applicable at the time of Load, Reload and Refund?

Following are the currency conversion service tax slabs applicable at the time of Load, Reload and Refund:

Buy and Sell Forex CurrencyService Tax Amount
Up to Rs. 1 lakh

0.14% of the gross value or Rs. 35/- whichever is higher

From Rs. 1 lakh to Rs 10 Lakhs

Rs. 140 plus 0.07% of the amount exceeding Rs. 1 lakh

From Rs. 10 lakhs and above

Rs. 770 plus 0.014% of the amount exceeding Rs. 10 Lakhs, subject to a maximum of Rs. 7000


How to set Prepaid NetBanking Login User ID / Password for the first time?

You may have received IPIN or Activation Code in the kit provided to you. The Activation Code will be printed on the card mailer below the card whereas the IPIN will be printed on the PIN mailer along with ATM PIN. The Activation Code / IPIN is required to set your NetBanking Password for your Multicurrency card for the first time.

  • Following steps should be followed for setting NetBanking User ID / Password for the first time using Activation Code / IPIN:
  • Visit HDFC Bank website and select Prepaid NetBanking
  • Enter the Card Number in User ID/Card Number field and the Activation Code / IPIN (mentioned in the PIN mailer) in the Password field.
  • Input User ID of your choice for future login purpose
  • Select the secret question from a dropdown menu and provide the answer
  • Mention the new Password and reconfirm the same
  • With the new User Id and Password you can then login to access your card account


Where can the Contactless MultiCurrency ForexPlus Card be used?

Anywhere that the Contactless payment PoS machine is available, the card can be used to tap/ wave and pay. If the machine is not available the Contactless Card can be still be used for swipe or dip transactions.


How close does the ‘tap, wave have to be to the reader?

Customer need to touch the reader with the card or bring it close to the terminal screens (within 4 cms)


What are the authorization scenarios?

When the card holder performs a payment transaction, the debit would take place on the priority as per the grid provided below
Scenario 1 - If the customer has local currency (depending on country of transaction) wallet with sufficient balance then the transaction will be processed using the balances on the local currency wallet
Scenario 2 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet, however if the customer has sufficient balance (equivalent to local currency) on default currency wallet (EUR) then the transaction will be processed using the balances on the default currency wallet. Value from the default currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rate
Scenario 3 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet as well as default currency wallet (EUR) however if the customer has sufficient balance (equivalent to local currency) on any other currency wallet then the transaction will be processed using the balances from the respective currency wallet. The card will look for balances across all the currency wallets in following order of priority as decided by the Bank
1. EUR
2. GBP
3. AUD
4. CAD
5. SGD
6. AED
7. JPY
8. CHF
9. SEK
10. HKD
11. THB
12. ZAR
13. NZD
14. OMR
15. DKK
16. NOK
17. SAR
18. MYR
19. KRW
20. BHD
21. QAR
22. KWD
23. USD
Value from the respective currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rate
Scenario 4 - If the customer transacts in currency which is not offered on the card, the transaction will be processed by debiting default currency (EUR) wallet. Cross currency conversion would take place as per existing Visa / MasterCard rates (3%) applicable for single currency cards. In case the default currency wallet does not have sufficient balance then funds would be pulled from wallet with sufficient funds and converted to the default currency using Bank’s currency conversion rate. Partial transactions in different currency wallets are not allowed. If the customer does not have sufficient balance to process the transactions individually in any of the currency wallets, the transaction is declined even if the collective balances on the card across all currencies is sufficient to process the transaction


How can I check the balance on my HDFC Bank Multicurrency ForexPlus Chip card?

You can check the balance on all the active currency wallets on Multicurrency card with the help of Prepaid NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your Multicurrency card.


Are there any transactions for which this Card should not be used?

Yes, your Multicurrency ForexPlus Platinum card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using ForexPlus Platinum Multicurrency card and the hotel/car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 30 days from the transaction date.

Note: The Bank reserves the right to charge the Card holder for any unauthorized amounts.


Do I need to pay additional amount over and above Cash withdrawal Charges levied by the HDFC Bank for ATM transaction?

In certain countries ATM Service providers are authorized to charge surcharge/convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the HDFC Bank, and HDFC Bank bank has no control over the charges as these charges are not levied by the bank.
These charges are normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort if the charges are not acceptable to the customer.


What does DCC/ MCC stand for?

DCC stands for Dynamic Currency Conversion whereas MCC stands for Multiple Currency Conversoin. DCC / MCC at ATM / POS gives the cardholder an option to initiate a transaction in the currency of his choice. It also assists the cardholder to know the exact transaction value in the currency selected at the time of transaction.


How to use Contactless Mutlicurrency ForexPlus Card?

  • Look for Visa payWave/ MasterCard PayPass mark and contactless logo at the Point of Sale terminal machine at merchant outlet
  • Check the transaction amount displayed on the machine screen and tap/ wave your Contactless MultiCurrency Card from a 4 cm range
  • Enter your 4-digit ATM PIN on the machine, if prompted
  • A green light will signal indicating that the transaction is complete


What is the HDFC Bank Contactless MulticurrencyForexPlus card?

HDFC Bank Contactless Multicurrency ForexPluscard is an embedded chip based prepaid forex card introduced in partnership with VISA/MasterCard International. It is the first card to offer you the option of carrying upto 23 currencies simultaneously in a single card in a convenient and secure way. This card gives you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all VISA/MasterCard affiliated ATMs and merchant establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.


How many days in advance can I purchase foreign exchange ?

You can purchase foreign exchange up to 60 days in advance from the date of departure.


How do I know if an ATM will accept my Multicurrency Card?

Look out for the VISA logo.


Where do I get this card?

Contactless Multicurrency ForexPlus cardis available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with the Multicurrency card. The card will get activated within 5 to 6 hours from realization of funds. Alternatively existing bank customers can apply for the card by logging in to HDFC Bank NetBanking by selecting Purchase Forex Card option under Cards tab.


Can I use the DCC/ MCC option at the time of transaction?

Whenever Platinum Multicurrency cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ForexPlus cardholder to opt for DCC/MCC while using ForexPlus Platinum card for making payments.
Please note that every cross currency transaction attracts currency conversion charges at applicable rates. Apart from this, the cardholder will also get penalised due to fluctuation in currency conversion rate.


How can I avail of Global Customer Assistance Services (GCAS) for my Multicurrency Card?

You can call the VISA call centre numbers to avail VISA’s Global Customer Assistance Services. You can find a countrywise list of GCAS numbers at http://www.visa-asia.com/ap/Subscription/gcas.jsp


What are the exchange rates applicable when I use my Travel Card for transactions (Cash withdrawal at ATMs and point of sale transactions at Merchant Outlets)?

If the transaction is done in base currency (currency with which the card was loaded), there is no exchange rate applicable. However, for transactions other than the base currency, exchange rates / conversion rates from the base currency to the local currency would be applicable.


How does Contactless MultiCurrency ForexPlus card work?

Your HDFC Bank Contactless Multicurrency ForexPlus card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.) 
HDFC Bank Contactless MultiCurrency ForexPlus Card has a chip & a radio frequency antenna embedded. When the Contactless Card is tapped/ waved against the terminal enabled for contactless payments the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the secure Visa/ MasterCard acceptance network in the usual way 
HDFC Bank Contactless Multicurrency ForexPlus card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Multicurrency card. HDFC Bank Contactless Multicurrency ForexPlus card is accepted at all Merchant Establishments displaying the VISA/MasterCard symbol. 
The card can be used to withdraw cash at all VISA/MasterCard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of Prepaid NetBanking facility for Multicurrency Cards.


Can I load multiple currencies on one Multicurrency Platinum ForexPlus Chip card?

Yes, you can carry more than one currency on your Multicurrency card. Only HDFC Bank Multicurrency Platinum ForexPlus Chip card gives you the power of carrying multiple currencies on just one card. So now forget to apply for a new card every time you visit a different country.


What should I do if my Multicurrency Platinum ForexPlus Chip card has expired but there is an unutilised balance on the card?

If your Card has expired before all funds have been utilised, you can contact HDFC Bank PhoneBanking or any of our HDFC Bank branch for placing a refund request of the un-utilised balance. In case you wish you get a replacement card, you can place a request at any of our HDFC Bank branch


What if the balance in the currency of transaction goes down?

The card has inbuilt intelligence to process the transaction if any of the currency wallets has sufficient fund to authorize the transaction. If the currency wallet corresponding to the transaction currency does not have sufficient balance, the payment is processed by debiting the currency wallet with sufficient balance. By default the card first checks the Euro wallet and subsequently other currencies. Please note that if none of currency wallets have sufficient balance then the transaction will be declined even if collectively across the wallets the card has sufficient balance. Please note that cross currency conversion charges will be applicable in cases where the transaction is processed by utilizing funds from different currency wallet.


How does this card work?

Your HDFC Bank Multicurrency Platinum ForexPlus Chip card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.) HDFC Bank Multicurrency Platinum ForexPlus Chip card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Multicurrency card. HDFC Bank Multicurrency Platinum ForexPlus Chip card is accepted at all Merchant Establishments displaying the VISA/MasterCard symbol. 
The card can be used to withdraw cash at all VISA/MasterCard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of Prepaid NetBanking facility for Multicurrency Cards.


What are the charges towards availing GCAS services?

Following are the charges for availing GCAS facility offered by Visa:
Cardholder Inquiry Service: US $ 5 per inquiry
Lost/Stolen Card reporting: US $ 35 per card
Emergency Card Replacement: US $ 175
Emergency Cash Disbursement: US $ 175


What should I do and whom to contact if my card is lost?

In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com


HDFC Forex Card Insurance Cover and Policy terms and conditions

Complimentary Card Insurance Coverage -


Category

Single Currency Forex Cards

Multicurrency & Regalia Forex Cards

Sum Insured / Limit of Liability (value in INR)

Section I

Card Liability (Skimming/Counterfeiting/Lost Card)

500,000

500,000

Section II A

Accidental Death (Road / Rail)

200,000

500,000

Section II A

Accidental Death (Air)

500,000

2,500,000

Section VI C

Loss of Personal Documents

(only Passport)

50,000

50,000

Section VII

Loss of Cash in Transit

60,000

60,000

Section VI A

Loss of Checked Baggage (only at Airports)

Single Any One Item Limit: 50%

20,000

20,000


Card Insurance Special Conditions and Terms and Conditions -

1. The cover is applicable for primary cards as well as add-on cards.

2. Territory of Insurance: Worldwide, however, all the coverages under the policy are applicable on International Travel only. All travel related and personal accident covers will cease once the cardholder is back to the country of residence.

3. Pre and post reporting clause is applicable for Section I (Card Liability Cover) and the extensions applicable to Section I.

4. Card liability cover would be applicable only when there is any loss outside the territorial limits of India.

5. Travel Insurance:

  • Travel Insurance provided under the policy shall not be valid for procuring a visa.

  • Loss of Personal Documents would include loss of passport only. Claims for any other item would not be payable under the section.

  • Travel Insurance Sections would be applicable for the card when the Insured is travelling abroad outside the territorial limits of India.

6. Terrorism is excluded under the policy.

7. Cash in Transit:- In the event of loss of Money belonging to the Insured person(s) by way of hold-up, robbery, theft, burglary or any other fortuitous cause while the money is in transit from any ATM/Bank to the destination, provided the destination is within the city limits and the transit is completed within the 3 hours, the Company hereby agrees subject to the terms, condition and exclusions herein contained, endorsed or otherwise expressed hereon, to pay the Insured the amount(s) of loss in the circumstances or situations as set out in the Schedule, provided always that the limit of the Company's liability for Any One Loss shall in no case exceed the amount specified against the respective Item in the said Schedule and the Company’s liability under more than one such occurrence during the Period of Insurance as set out in the Schedule shall not in the aggregate, exceed the Sum Insured. Warranted that money carried in public transport is excluded from the scope of coverage except when carried in a hired taxi.

8. In the event the insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefit (highest sum insured).

9. Claim Submission to HDFC ERGO Corporate office to be within a period of 180 days from date of blocking.

10. Policyholder to provide Intimation of Claim within 60 days from date of loss / blocking by the insured.

11. Quarterly Declarations shall be required updating the number of cards per category and specifying the BIN Series with the first and last four digits of the cards.

12. For skimming / phishing / counterfeit card / internet banking extensions - reporting to Bank within 60 days from the statement/billing cycle date. However, this above reporting period will not be applicable where we can establish with documentary evidence that the information of misuse was known to the insured cardholder and he has not taken appropriate steps to prudently block or report the card mis-usage within 24 hours of such knowledge. This intimation will apply for the cardholder only and not the Policyholder (Bank).

13. Further, the policy shall covers losses due to skimming / phishing / counterfeit / internet banking frauds extensions subject to a maximum period of 30 days from date of first fraud.

14. Vishing:- The policy will cover vishing loses only where the card holder shares the card information namely - Card number, Expiry date, CVV over telephone to the imposter (acting as a reliable source). However, any losses arising due to use of information which are unique in nature and known only to the card holder like PIN, Password, OTP password are not covered in case of Vishing losses. The total annual sub-limit for such losses is Rs 10,00,000/-

15. Onus of proof that, the claim does not fall within the policy terms and conditions will be with the Insurance company.

16. Fraudulent transactions done by person known to the cardholder are specifically excluded.

17. Person known to the cardholder means an Insured Person’s Spouse; children; children-in-law; siblings; siblings-in-law; parents; parents-in-law; grandparents; grandchildren; legal guardian, ward; step or adopted children; step-parents; aunts, uncles; nieces, and nephews, maids, servants, person who have access to card and pin.

18. Bodily injury sustained whilst or as a result of participating in any sport as a professional player is excluded in the policy.

Card Insurance Inclusion/Exclusion and Terms and Conditions -

SECTION I - CARD LIABILITY COVER

The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the Insured/Insured Person(s) a sum not exceeding the Sum Insured / Limit of Liability, unless otherwise agreed by the Company, in respect of the debits or transactions established against the Insured/ Insured Person(s) resulting only from the unauthorized use of any lost or stolen Card issued by the Insured named in the Schedule and the subsequent use of such lost or stolen Card by any unauthorized person. The excess/deductible as stated in the Policy schedule shall apply to the limit of liability.

Specific Conditions applicable to Section I


1) The cover under Card Liability Cover shall be applicable only for certain number of days prior to reporting the loss of Card (pre-reporting period) and certain number of days post reporting of loss of card as mentioned in the schedule.

Specific Exclusions applicable to Section I


The company will not make any payment in respect of:

1) Any loss or damage arising out of any Card transactions which have occurred after the loss of Card has been reported to the Insured named in the Schedule and not covered under the scope of the special conditions under section I above, unless specifically agreed by the Company in writing.

2) Debits established against the Insured Person(s) resulting from the use of counterfeit Card (which shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank). Counterfeit Card shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank named in the Schedule or a Card duly issued by the Insured named in the Schedule which is subsequently altered or modified or tampered with without consent of the Insured named in the Schedule.

3) Losses sustained by the Insured Person(s) resulting directly or indirectly from any fraudulent or dishonest acts committed by Insured Person(s)’s employee, acting alone or in collusion with others in respect of the Card.

4) Losses sustained by the Insured Person(s) through forgery or alteration of or on or in any written instrument required in conjunction with any Card.

5) Losses resulting from any Card issued without making a proper application to the Insured named in the Schedule. However, this exception will not apply in respect of replacement of a Card which has been previously issued by the Insured named in the Schedule.

6) Losses arising out of use of the Card by the Insured Person(s) with intent to defraud the Insured named in the Schedule.

7) Losses, which the Insured named in the Schedule is legally entitled to recover from the Insured Person(s), or the corporate or other legal entity agreeing to honour Card expenses incurred by the Insured Person(s).

8) In case of cancellation of purchases of products or services, if the amount refunded is not credited to the Original Source of Booking then the insurance company will not make payment for any claim arising as a consequence of this to the Insured / Insured Person(s).

Specific Claims Provisions applicable to Section I


1) Upon the happening of any event which may give rise to a claim under this policy, the Insured / Insured Person(s) named in the Schedule, shall immediately give written notice to the Company with full particulars as far as possible.

2) If the Insured / Insured Person(s) shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this policy shall become void and all claims hereunder shall be forfeited.

3) The Insured named in the Schedule shall maintain proper and up-to-date record of the Insured Person(s) and shall allow the Company to inspect such records at any time, subject to the confidentiality obligations of the Insured. Also, at all points of time during the currency of the Policy, the Insured named in the Schedule is to ensure that adequate premium is paid to the Company to ensure that this Policy applies to cover all the Cardholders of the Insured. If, at any point of time, the required premium is not paid to the Company to cover the Cardholders of the Insured, the Cardholders in respect of whom the premium is not received by the Company from the Insured Person(s) shall be treated as not covered under this Policy.

4) The Insured / Insured Person(s) shall at his own expenses take all reasonable precautions to prevent loss at all times and adhere and shall keep records of all transactions in such manner that the Company can accurately determine on basis of these records, the amount of loss.

5) This policy shall not cover any loss or damage which at the time of happening of such loss or damage is insured by any other existing policy of Insurance, except in respect of excess beyond the amount which would have been payable under such other policy or policies had this insurance not been effected.

6) Losses arising out of debits raised and established against the Insured Person(s) after receipt of List of Stolen Cards by the Member establishments of the Insured, with whom the Insured has an Acquiring Bank relationship, are not payable.

7) On payment of a claim by the Company, the total amount of indemnities and the indemnity amount per Cardholder will stand reduced by the amount of claim paid, unless the same is reinstated on payment of additional premium by the Insured.

SECTION II - PERSONAL ACCIDENT COVER


Specific Definitions applicable to Section II


1) “Accident” is a sudden, unforeseen and involuntary event caused by external and visible means...

2) “Bodily Injury” means physical, external, Accidental bodily injury occurring suddenly in time and resulting solely and independently of any other cause or any physical defect or infirmity existing before the Period of Insurance.

3) “Permanent Total Disablement” means disablement, as the result of a bodily injury, which continues for a period of twelve (12) consecutive months, and is confirmed as total, continuous and permanent by a Physician after the twelve (12) consecutive months, and entirely prevents an Insured Person from engaging in or giving attention to gainful occupation of any and every kind for the remainder of his/her life.

II A). ACCIDENTAL DEATH


If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in Death within twelve (12) months of the Date of Loss, then the Company agrees to pay to the Insured Person’s Beneficiary or legal representative the Compensation stated in the Schedule.

Specific Extensions applicable to Section II A


1) Disappearance: In the event of the disappearance of the Insured Person, following a forced landing, stranding, sinking or wrecking of a conveyance in which such Insured Person was known to have been travelling as an occupant, it shall be deemed after twelve (12) months, subject to all other terms and conditions of this Policy, that such Insured Person shall have died as the result of an Accident. If at any time, after the payment of the Accidental death benefit, it is discovered that the Insured Person is still alive; all payments shall be reimbursed in full to the Company. 2) Exposure: Death as a direct result of exposure to the elements shall be deemed to be Bodily Injury.

Specific Conditions applicable to Section II A


1) If applicable and if payment has been made under the Permanent Disablement Section, any amounts paid under that Section would be deducted from payment of a claim under this Section of the Policy.

Specific Exclusions applicable to Section II


The Company shall not be liable to pay any benefit in respect of any Insured Person(s):-

1. for Bodily Injury or Sickness occasioned by Civil War or Foreign War. 2. for Bodily Injury or Sickness caused or provoked intentionally by the Insured Person. 3. for Bodily Injury or Sickness due to wilful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat, or arising out of nonadherence to medical advice. 4. for Bodily Injury or Sickness sustained or suffered whilst the Insured Person is or as a result of the Insured Person being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician. 5. for Bodily Injury due to a gradually operating cause. 6. for Bodily Injury sustained whilst or as a result of participating in any criminal act. 7. for Bodily Injury sustained whilst or as a result of participating in any sport as a professional player. 8. for Bodily Injury sustained whilst or as a result of participating in any competition involving the utilisation of a motorised land, water or air vehicle. 9. for Bodily Injury sustained whilst or as a result of riding or driving a motorcycle or motor scooter over one hundred fifty (150) cc. 10. for Bodily Injury whilst the Insured Person is travelling by air other than as a fare paying passenger on an aircraft registered to an airline company for the transport of paying passengers on regular and published scheduled routes. 11. for Bodily Injury or Sickness resulting from pregnancy within twenty-six (26) weeks of the expected date of birth. 12. for Bodily Injury or Sickness caused by or arising from the conditions commonly known as Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or caused. The onus shall always be upon the Insured Person to show that Bodily Injury or Sickness was not caused by or did not arise through AIDS or HIV. 13. for Bodily Injury or Sickness caused by or arising from or due to venereal or venereal related disease. 14. for Bodily Injury sustained whilst or as a result of active participation in any violent labour disturbance, riot or civil commotion or public disorder. 15. for Bodily Injury sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, notwithstanding that the Bodily Injury occurred whilst the Insured Person was on leave or not in uniform. 16. for treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity. 17. any pathological fracture. 18. for cures of any kind and all stays in long term care institutions (retirement homes, convalescence centres, centres of detoxification etc.). 19. for investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency. 20. for Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hangliding, parasailing, off-piste skiing or bungee jumping. 21. for Bodily Injury caused by or arising from or as a result of Terrorism.

SECTION VI – TRAVEL INSURANCE


SECTION VI (A) - CHECKED BAGGAGE LOSS


If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects that have been checked in on the same Common Carrier as a travelling Insured Person, are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.

Specific Definitions applicable to Section VI (A)


1) Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.


Specific Conditions applicable to Section VI (A)


1) All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim. 2) If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy. 3) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.


Specific Exclusions applicable to Section VI (A)


The Company shall not be liable to pay any benefit in respect of any Insured Person for: 1) loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons. 2) mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle. 3) destruction or damage due to wear and tear, moth or vermin. 4) baggage, clothing and personal effects despatched as unaccompanied baggage. 5) theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means. 6) loss or damage to sports equipment whilst in use, contact lenses, samples, tools. 7) for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority. 8) for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. 9) for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring. 10) for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause. 11) a claim involving animals. 12) loss, including but not limited to loss by theft, or damage to vehicles or other accessories. 13) for any loss that is not reported either to the appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained. 14) baggage and/or personal effects sent under an airway-bill or bill of lading. 15) computer equipment, cameras, musical instruments, radios and portable radio/cassette/compact disc players. 16) contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.


Specific Claims Provisions applicable to Section VI (A)


In the event of a claim the Insured Person must: 1) give immediate written notice: a) to the relevant Common Carrier in the event of loss or damage in transit; b) to the relevant police authority in the event of loss or theft; 2) submit a copy of the relevant Common Carrier or police report when a claim is made; 3) obtain a Common Carrier or police report where the loss occurred; 4) in the event of loss by a carrier, retain original tickets and baggage slips and submit them when a claim is made; 5) submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and 6) for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made.


For purposes of any claim hereunder: 1) a pair of skis, ski boots and accessories shall be regarded as one item; 2) bottles of perfume, aftershave, and make up shall together be regarded as one item; 3) the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.


SECTION VI (C) - LOSS OF BAGGAGE AND PERSONAL DOCUMENTS


If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects owned by or in the custody of an Insured Person are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.


Specific Definitions applicable to Section VI (C)


Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.


Specific Conditions to applicable Section VI (C)


Any valid claim involving a motor vehicle, and at all time subject to Specific Exclusion (5), will be limited to a maximum of fifty percent (50%) of the Sum Insured stated in the Schedule. All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim. If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy. If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.


Specific Exclusions applicable to Section VI (C)


The Company shall not be liable to pay any benefit in respect of any Insured Person for: loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons. mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle. destruction or damage due to wear and tear, moth or vermin. baggage, clothing and personal effects despatched as unaccompanied baggage. theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means. loss or damage to sports equipment whilst in use, contact lenses, samples, tools. for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority. for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring. for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause. a claim involving animals. loss, including but not limited to loss by theft, or damage to vehicles or other accessories. for any loss that is not reported either to the appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained. baggage and/or personal effects sent under an airway-bill or bill of lading. computer equipment, cameras, musical instruments, radios and portable radio/cassette/compact disc players. contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.


Specific Claims Provisions applicable to Section VI (C)


In the event of a claim the Insured Person must: give immediate written notice: to the relevant Common Carrier in the event of loss or damage in transit; to the relevant police authority in the event of loss or theft; submit a copy of the relevant Common Carrier or police report when a claim is made; obtain a Common Carrier or police report where the loss occurred; in the event of loss by a Common Carrier, retain original tickets and baggage slips and submit them when a claim is made; submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made. For purposes of any claim hereunder: a pair of skis, ski boots and accessories shall be regarded as one item; bottles of perfume, aftershave, and make up shall together be regarded as one item; the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.


SECTION VII - CASH IN TRANSIT


In the event of loss of Money belonging to the business or profession of the Insured due to accident or misfortune happening during the currency of the Policy, the Company hereby agrees subject to the terms, condition and exclusions herein contained, endorsed or otherwise expressed hereon, to pay the Insured the amount(s) of loss in the circumstances or situations as set out in the Schedule, provided always that the limit of the Company's liability for Any One Loss shall in no case exceed the amount specified against the respective Item in the said Schedule and the Company’s liability under more than one such occurrence during the Period of Insurance as set out in the Schedule shall not in the aggregate, exceed the Sum Insured.


The Company will pay for cost of replacement or repair of the Insured’s safe or strongroom or cash box at the Insured’s premises in the event of it being damaged by thieves or burglars subject to Limit of Any One Loss and Sum Insured as aforesaid.


Specific Exclusions applicable to Section VII


The Company shall not be liable to make any payment under this section in connection with or in respect of any expenses whatsoever incurred by any insured in the following cases:


1) Loss occasioned by Riot, Strike; 2) Money carried under contract of affreightment; 3) Theft of money from unattended vehicle; 4) Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased. 5) Shortage of any money due to any error or omission of the Insured or any other person; 6) Loss of or Damage to money in transit by post 7) Loss or damage attributable to wilful /gross negligence on part of the Insured Person (s) or any other person acting on behalf of the Insured Person(s).


Specific Claim Provision applicable to Section VII


Upon the happening of any event giving rise or likely to give rise to a claim under this policy coming to knowledge of the Insured:


The Insured shall give immediate notice to the Police and to the policy issuing office of the Company and take all practical steps to discover the guilty person or person and to recover the Cash lost. The Insured shall deliver to the Company, within fourteen days from the date on which the event shall have come to his knowledge, a detailed statement in writing of the loss.


The Insured shall furnish all explanations, vouchers, proof of ownership and other evidence to substantiate the claim and the Company may, if it deems necessary require corroborative evidence of the statement of the Insured or any of Insured family members of employee/s.


The Insured Person(s) shall be required to furnish the following for or in support of a claim: (a) Claim form, duly completed; (b) A copy of First Information Report/ Complaint lodged with concerned Police Station or Panchnama in respect of any loss on account of or during riot and strike, or on account of or due to theft.


Frequent Asked Questions –


Q.1. Why is the cardholder required to fill a cardholder dispute form (CDF) to report transaction dispute ?

A.1. Cardholder is required to submit duly filled and signed dispute form at the respective HDFC Bank branch (along with the documents) stating the exact the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank.

Cardholder can also email us the scanned CDF copy along with the documents (as mentioned in CDF or as below) to support@hdfcbank.com.

Q.2. What is the time frame to report fraudulent/unauthorised transactions occurred on Forex Card ?

A.2. Any fraudulent/unauthorised transaction dispute needs to be reported to the bank in writing within 30 days from the transaction date. The insurance settlement is subject to merits of claims which may require further investigation by insurer. While the turn around time for claim settlement is 30 days from the date of submission of documents, in case of specific circumstances or investigation the settlement can get delayed up to 120 days. The credit to cardholder will be provided only post successful settlement from the insurance company.

Please note that any case reported after 45 days from the date of transaction and documents submitted after 90 days from the date of transaction will not be processed by the insurance company.

Q.3. Which documents are to be submitted for filing insurance claim ?

A.3. Following are the category wise documents which are required to be submitted.

Category

Documents required to be submitted

Section I

Card Liability (Skimming/Counterfeiting/Lost Card)

· Duly filled and signed CDF

· Self attested copy of all the pages of passport (including blank pages)

· Copy transaction slip if any

· Local Police FIR copy (if the FIR is not in English, then a translated copy in English notarised by

the Consulate has to be enclosed)

Please note that for Lost Card insurance cover is only available for transactions which have happened on the card up to 24 hours prior to the card getting reported as lost or stolen.

Section II A

Accidental Death (Air/Road / Rail)


Legal Heir of the cardholder has to submit request letter to claim for death cover stating the following at the branch;

· Name of the deceased Forex cardholder

· Forex Card Number

· Passport Number

· Date during which the customer was travelling

· Date of Accident

· Incident detail/Cause of the death

Legal Heir should also attach proof that he / she is the legal heir to the deceased cardholder

• Copy of the FIR

• Postmortem Report

• Inquest Report

• Police Field Incident report (if any)

• Death Certificate

• Claim Form

• Self attested copy of the Passport with entry and exit stamp of the Airport of the deceased forex cardholder

In case the death has happened abroad, then documents should be translated in English and notarized by the Consulate

Section VII

Loss of Cash in Transit

• Duly filled and signed CDF

• Self attested copy of all the pages of passport (including blank pages)

• FIR copy (if the FIR is not in English, then a translated copy in English notarised by the Consulate has to be enclosed)

• Ticket copy

• ATM Cash Withdrawal slip

Please note that, the customer need to report disputed transactions within 14 days from the transaction date & need to submit the documents as mentioned above

Section VI A

Loss of Checked Baggage (only at Airports)

Single Any One Item Limit: 50%


&


Section VI C

Loss of Personal Documents (only Passport)

• Cardholder has to submit request letter to claim for Baggage Loss / Passport Reconstruction stating the following at the branch;

· Forex Card Number

· Passport Number

· Date during which the customer was travelling abroad

· Date of Baggage / Passport Loss

· Detailed list of items lost, their value and the Amount claimed.

• Duly filled and signed CDF

• Insurance Claim Form

• Self attested copy of the Passport with entry and exit stamp of the Airport

• Local Police FIR copy (if the FIR is not in English, then a translated copy in English notarised by the Consulate has to be enclosed)

• Ticket copy (substantiating that the customer was abroad at the date of baggage loss)

• In case of Passport Reconstruction Cover, bills/receipts of passport reconstruction and copy of the old & new passport


Meanings –

Lost Card cases - If the card is lost and there is a transaction which has got processed on the card not authorized by the customer

Card Liability Cover (Skimming / Misuse) - If the card is in the possession of the customer and there is a transaction which has got processed on the card not authorized by the customer

Loss of Cash in Transit - If the cash money is lost belonging to the cardholder by way of hold-up, robbery, theft, burglary or any other fortuitous cause while the money is in transit from any ATM/Bank to the destination, provided the destination is within the city limits and the transit is completed within the 3 hours

Note – Any additional documents as requested by the bank or Insurance Company for processing the claim, the cardholder shall have to provide accordingly. In the absence of the same the claim shall be rejected.

Q.4. Which documents are to be submitted for raising dispute wrt failed transactions ?

A.4. Following are the category wise documents which are required to be submitted along with the CDF.

Category

Documents required to be submitted

Transaction declined but funds are debited from the card account

OR

Funds not received on the card account in spite of reversal passed by the merchant

OR

Transaction cancelled but refund not received from the merchant

Refund/Void slip from the merchant

OR

Merchant's Banker authorization cancellation letter. i.e. a letter from Bank on the letterhead of the bank. It should cover the following details (Card Number, Txn DT, Amount and Authorization code that needs to be released.)

OR

Merchant letter (signed and stamped by the merchant) on the letter head of the merchant (if merchant is giving confirmation to release the txn on email, such email confirmation would not suffice).

Excess amount debited from the card account

Transaction Slip & Invoice copy from the merchant


Q.5. How do I report such service/merchant related transaction dispute incurred using my Forex Card transaction?

A.5. We strongly recommended that for all service related disputes, the Forex cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution.

Considering all attempts have been made to resolve dispute with the merchant, you may call HDFC Bank PhoneBanking team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction(s) details to support@hdfcbank.com OR submit the same at your nearest HDFC Bank.

Q.6. What is a Service Dispute?

A.6. Following transactions are categorized as service dispute.

· Transaction declined but funds are debited from the account

· Amount debited but payment made through an alternate mode

· Excess amount debited

· Transaction cancelled but refund from merchant not credited

· Dual Debits /Duplicate debits for the same merchant, amount, date and time

· Damaged goods/ Quality of the product or services is not as agreed.


Q.7. How long will it take to resolve a billing dispute wrt POS / Ecom / ATM transactions ?

A.7. Most disputes are resolved within 45-120 days from the date of receipt of CDF along with complete supporting documents, although complex cases could require additional time.

Q.8. What is the time frame to report a any type of disputed transaction or to raise claim with the Insurance Company ?

A transaction dispute should be referred to HDFC Bank within 30 days from the date of transaction with the Customer Dispute Form (CDF) and supporting Documents (as mentioned in the CDF). For Loss of Cash in Transit case the customer need to report disputed transactions within 14 days from the transaction date & need to submit the documents as mentioned above.

The CDF is available under Forms Centre section on the HDFC Bank website.

In case, the CDF and supporting Documents are not received within the timelines as mentioned in the CDF, we would be unable to raise the dispute with the acquiring bank and the liability of the transaction would lie with you

Hajj Umrah Card

FAQs

1. Why is E-commerce and Contactless service feature disabled on my Prepaid Card?

With reference to the RBI circular RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 dated 15th January 2020 on enhancing security of card transaction, as a security measure the E-commerce and Contactless service has been disabled on Prepaid Cards who have not used these service prior to 31st Mar 2019.

Also, all new cards or replaced cards issued on or after 1st February 2021, the E-commerce and Contactless service has been disabled.

Note – Contactless / Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.

2. How do I enable E-commerce and Contactless service on my Prepaid Card?

You can easily enable E-commerce and Contactless service on your card by logging in to HDFC Bank Prepaid Card Netbanking by just following below mentioned 4 simple steps.

• Login with your User ID and Password

• Go to “Account Summary” tab and click on “Manage My Profile” option

• Click on “Manage My Limits” tab and then select your “Card”

• Enable the service & set transaction/daily limit*

Also you can place the request at the nearest HDFC Bank branch to enable E-commerce and Contactless service on your card.

*Note - For Prepaid Forex Card, you can set ATM Cash Withdrawal transaction daily limit upto USD 5,000/- (equivalent in other currencies

Contactless / Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.


Can I load Hajj Umrah ForexPlus card by making payment in Cash?

Hajj Umrah ForexPlus card Can be loaded against payment of cash upto a maximum value of Rs. 49,999.


I'm not a traveller, can I still benefit from the Hajj Umrah ForexPlus Card?

The Hajj Umrah ForexPlus Card is designed only for overseas travellers, and cannot be issued to non-travellers.


Are there any transactions for which this card should not be used?

Yes, your Hajj Umrah ForexPlus card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using Hajj Umrah ForexPlus card and the hotel/car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 30 days from the transaction date.

Note: The Bank reserves the right to charge the Card holder for any unauthorized amounts.


Can I issue cheques to load the Hajj Umrah ForexPlus Card?

Customer can load Hajj Umrah ForexPlus card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated.


What is the HDFC Bank Hajj Umrah ForexPlus card?

The HDFC Bank Hajj Umrah ForexPlus card is an embedded Chip based Prepaid Forex card introduced in partnership with VISA International. It is the first card exclusively designed for Hajj Umrah pilgrims to carry currency in a convenient and secure way. The card holders are also entitled for exclusive discounts & gift voucher at select merchant outlets in Saudi Arabia. The card can be used at all VISA ATMs and merchant establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.


What documents should I submit when I purchase the HDFC Bank Hajj Umrah ForexPlus card?

  • Completed ForexPlus card Application Form
  • Form A2
  • A photocopy of your Passport OR self attested copy of the Hajj receipt and manifest
  • Additional address Proof in case current address of the customer is not matching with the address updated on Passport


Do I need to have HDFC Bank account to purchase the Hajj Umrah ForexPlus Card?

You can just walk into any of our HDFC bank branches in India and purchase it over the counter after submission of necessary documents.


How do I know if an ATM will accept my Hajj Umrah ForexPlus Card?

The Hajj Umrah FoerxPlus card is accepted at all the outlets supporting Visa cards. Look out for the VISA logo when you want to use the card.


What is the maximum value for which the Card can be used?

There is no limit imposed on the usage of Hajj Umrah ForexPlus card. Customers can withdraw/utilise any amount up to the value loaded on Hajj Umrah ForexPlus card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by HDFC Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.


How does this card work?

Your HDFC Bank Hajj Umrah ForexPlus card will be activated with SAR within 4 hours from the bank getting the clear funds from you. Once activated, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.)

HDFC Bank Hajj Umrah ForexPlus card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Hajj Umrah ForexPlus card. HDFC Bank Hajj Umrah ForexPlus card is accepted at all Merchant Establishments displaying the Visa symbol.

The card can be used to withdraw cash at all Visa ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of NetBanking facility for Multicurrency Cards.


What currencies are available?

Currencies offered:
Saudi Riyal (SAR)


Where do I get this card?

Hajj Umrah ForexPlus Card is available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with the card. The card will get activated within 5 to 6 hours from realization of funds.


HDFC Forex Card Insurance Cover and Policy terms and conditions

Complimentary Card Insurance Coverage -


Category

Single Currency Forex Cards

Multicurrency & Regalia Forex Cards

Sum Insured / Limit of Liability (value in INR)

Section I

Card Liability (Skimming/Counterfeiting/Lost Card)

500,000

500,000

Section II A

Accidental Death (Road / Rail)

200,000

500,000

Section II A

Accidental Death (Air)

500,000

2,500,000

Section VI C

Loss of Personal Documents

(only Passport)

50,000

50,000

Section VII

Loss of Cash in Transit

60,000

60,000

Section VI A

Loss of Checked Baggage (only at Airports)

Single Any One Item Limit: 50%

20,000

20,000


Card Insurance Special Conditions and Terms and Conditions -

1. The cover is applicable for primary cards as well as add-on cards.

2. Territory of Insurance: Worldwide, however, all the coverages under the policy are applicable on International Travel only. All travel related and personal accident covers will cease once the cardholder is back to the country of residence.

3. Pre and post reporting clause is applicable for Section I (Card Liability Cover) and the extensions applicable to Section I.

4. Card liability cover would be applicable only when there is any loss outside the territorial limits of India.

5. Travel Insurance:

  • Travel Insurance provided under the policy shall not be valid for procuring a visa.

  • Loss of Personal Documents would include loss of passport only. Claims for any other item would not be payable under the section.

  • Travel Insurance Sections would be applicable for the card when the Insured is travelling abroad outside the territorial limits of India.

6. Terrorism is excluded under the policy.

7. Cash in Transit:- In the event of loss of Money belonging to the Insured person(s) by way of hold-up, robbery, theft, burglary or any other fortuitous cause while the money is in transit from any ATM/Bank to the destination, provided the destination is within the city limits and the transit is completed within the 3 hours, the Company hereby agrees subject to the terms, condition and exclusions herein contained, endorsed or otherwise expressed hereon, to pay the Insured the amount(s) of loss in the circumstances or situations as set out in the Schedule, provided always that the limit of the Company's liability for Any One Loss shall in no case exceed the amount specified against the respective Item in the said Schedule and the Company’s liability under more than one such occurrence during the Period of Insurance as set out in the Schedule shall not in the aggregate, exceed the Sum Insured. Warranted that money carried in public transport is excluded from the scope of coverage except when carried in a hired taxi.

8. In the event the insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefit (highest sum insured).

9. Claim Submission to HDFC ERGO Corporate office to be within a period of 180 days from date of blocking.

10. Policyholder to provide Intimation of Claim within 60 days from date of loss / blocking by the insured.

11. Quarterly Declarations shall be required updating the number of cards per category and specifying the BIN Series with the first and last four digits of the cards.

12. For skimming / phishing / counterfeit card / internet banking extensions - reporting to Bank within 60 days from the statement/billing cycle date. However, this above reporting period will not be applicable where we can establish with documentary evidence that the information of misuse was known to the insured cardholder and he has not taken appropriate steps to prudently block or report the card mis-usage within 24 hours of such knowledge. This intimation will apply for the cardholder only and not the Policyholder (Bank).

13. Further, the policy shall covers losses due to skimming / phishing / counterfeit / internet banking frauds extensions subject to a maximum period of 30 days from date of first fraud.

14. Vishing:- The policy will cover vishing loses only where the card holder shares the card information namely - Card number, Expiry date, CVV over telephone to the imposter (acting as a reliable source). However, any losses arising due to use of information which are unique in nature and known only to the card holder like PIN, Password, OTP password are not covered in case of Vishing losses. The total annual sub-limit for such losses is Rs 10,00,000/-

15. Onus of proof that, the claim does not fall within the policy terms and conditions will be with the Insurance company.

16. Fraudulent transactions done by person known to the cardholder are specifically excluded.

17. Person known to the cardholder means an Insured Person’s Spouse; children; children-in-law; siblings; siblings-in-law; parents; parents-in-law; grandparents; grandchildren; legal guardian, ward; step or adopted children; step-parents; aunts, uncles; nieces, and nephews, maids, servants, person who have access to card and pin.

18. Bodily injury sustained whilst or as a result of participating in any sport as a professional player is excluded in the policy.

Card Insurance Inclusion/Exclusion and Terms and Conditions -

SECTION I - CARD LIABILITY COVER

The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the Insured/Insured Person(s) a sum not exceeding the Sum Insured / Limit of Liability, unless otherwise agreed by the Company, in respect of the debits or transactions established against the Insured/ Insured Person(s) resulting only from the unauthorized use of any lost or stolen Card issued by the Insured named in the Schedule and the subsequent use of such lost or stolen Card by any unauthorized person. The excess/deductible as stated in the Policy schedule shall apply to the limit of liability.

Specific Conditions applicable to Section I


1) The cover under Card Liability Cover shall be applicable only for certain number of days prior to reporting the loss of Card (pre-reporting period) and certain number of days post reporting of loss of card as mentioned in the schedule.

Specific Exclusions applicable to Section I


The company will not make any payment in respect of:

1) Any loss or damage arising out of any Card transactions which have occurred after the loss of Card has been reported to the Insured named in the Schedule and not covered under the scope of the special conditions under section I above, unless specifically agreed by the Company in writing.

2) Debits established against the Insured Person(s) resulting from the use of counterfeit Card (which shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank). Counterfeit Card shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank named in the Schedule or a Card duly issued by the Insured named in the Schedule which is subsequently altered or modified or tampered with without consent of the Insured named in the Schedule.

3) Losses sustained by the Insured Person(s) resulting directly or indirectly from any fraudulent or dishonest acts committed by Insured Person(s)’s employee, acting alone or in collusion with others in respect of the Card.

4) Losses sustained by the Insured Person(s) through forgery or alteration of or on or in any written instrument required in conjunction with any Card.

5) Losses resulting from any Card issued without making a proper application to the Insured named in the Schedule. However, this exception will not apply in respect of replacement of a Card which has been previously issued by the Insured named in the Schedule.

6) Losses arising out of use of the Card by the Insured Person(s) with intent to defraud the Insured named in the Schedule.

7) Losses, which the Insured named in the Schedule is legally entitled to recover from the Insured Person(s), or the corporate or other legal entity agreeing to honour Card expenses incurred by the Insured Person(s).

8) In case of cancellation of purchases of products or services, if the amount refunded is not credited to the Original Source of Booking then the insurance company will not make payment for any claim arising as a consequence of this to the Insured / Insured Person(s).

Specific Claims Provisions applicable to Section I


1) Upon the happening of any event which may give rise to a claim under this policy, the Insured / Insured Person(s) named in the Schedule, shall immediately give written notice to the Company with full particulars as far as possible.

2) If the Insured / Insured Person(s) shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this policy shall become void and all claims hereunder shall be forfeited.

3) The Insured named in the Schedule shall maintain proper and up-to-date record of the Insured Person(s) and shall allow the Company to inspect such records at any time, subject to the confidentiality obligations of the Insured. Also, at all points of time during the currency of the Policy, the Insured named in the Schedule is to ensure that adequate premium is paid to the Company to ensure that this Policy applies to cover all the Cardholders of the Insured. If, at any point of time, the required premium is not paid to the Company to cover the Cardholders of the Insured, the Cardholders in respect of whom the premium is not received by the Company from the Insured Person(s) shall be treated as not covered under this Policy.

4) The Insured / Insured Person(s) shall at his own expenses take all reasonable precautions to prevent loss at all times and adhere and shall keep records of all transactions in such manner that the Company can accurately determine on basis of these records, the amount of loss.

5) This policy shall not cover any loss or damage which at the time of happening of such loss or damage is insured by any other existing policy of Insurance, except in respect of excess beyond the amount which would have been payable under such other policy or policies had this insurance not been effected.

6) Losses arising out of debits raised and established against the Insured Person(s) after receipt of List of Stolen Cards by the Member establishments of the Insured, with whom the Insured has an Acquiring Bank relationship, are not payable.

7) On payment of a claim by the Company, the total amount of indemnities and the indemnity amount per Cardholder will stand reduced by the amount of claim paid, unless the same is reinstated on payment of additional premium by the Insured.

SECTION II - PERSONAL ACCIDENT COVER


Specific Definitions applicable to Section II


1) “Accident” is a sudden, unforeseen and involuntary event caused by external and visible means...

2) “Bodily Injury” means physical, external, Accidental bodily injury occurring suddenly in time and resulting solely and independently of any other cause or any physical defect or infirmity existing before the Period of Insurance.

3) “Permanent Total Disablement” means disablement, as the result of a bodily injury, which continues for a period of twelve (12) consecutive months, and is confirmed as total, continuous and permanent by a Physician after the twelve (12) consecutive months, and entirely prevents an Insured Person from engaging in or giving attention to gainful occupation of any and every kind for the remainder of his/her life.

II A). ACCIDENTAL DEATH


If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in Death within twelve (12) months of the Date of Loss, then the Company agrees to pay to the Insured Person’s Beneficiary or legal representative the Compensation stated in the Schedule.

Specific Extensions applicable to Section II A


1) Disappearance: In the event of the disappearance of the Insured Person, following a forced landing, stranding, sinking or wrecking of a conveyance in which such Insured Person was known to have been travelling as an occupant, it shall be deemed after twelve (12) months, subject to all other terms and conditions of this Policy, that such Insured Person shall have died as the result of an Accident. If at any time, after the payment of the Accidental death benefit, it is discovered that the Insured Person is still alive; all payments shall be reimbursed in full to the Company. 2) Exposure: Death as a direct result of exposure to the elements shall be deemed to be Bodily Injury.

Specific Conditions applicable to Section II A


1) If applicable and if payment has been made under the Permanent Disablement Section, any amounts paid under that Section would be deducted from payment of a claim under this Section of the Policy.

Specific Exclusions applicable to Section II


The Company shall not be liable to pay any benefit in respect of any Insured Person(s):-

1. for Bodily Injury or Sickness occasioned by Civil War or Foreign War. 2. for Bodily Injury or Sickness caused or provoked intentionally by the Insured Person. 3. for Bodily Injury or Sickness due to wilful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat, or arising out of nonadherence to medical advice. 4. for Bodily Injury or Sickness sustained or suffered whilst the Insured Person is or as a result of the Insured Person being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician. 5. for Bodily Injury due to a gradually operating cause. 6. for Bodily Injury sustained whilst or as a result of participating in any criminal act. 7. for Bodily Injury sustained whilst or as a result of participating in any sport as a professional player. 8. for Bodily Injury sustained whilst or as a result of participating in any competition involving the utilisation of a motorised land, water or air vehicle. 9. for Bodily Injury sustained whilst or as a result of riding or driving a motorcycle or motor scooter over one hundred fifty (150) cc. 10. for Bodily Injury whilst the Insured Person is travelling by air other than as a fare paying passenger on an aircraft registered to an airline company for the transport of paying passengers on regular and published scheduled routes. 11. for Bodily Injury or Sickness resulting from pregnancy within twenty-six (26) weeks of the expected date of birth. 12. for Bodily Injury or Sickness caused by or arising from the conditions commonly known as Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or caused. The onus shall always be upon the Insured Person to show that Bodily Injury or Sickness was not caused by or did not arise through AIDS or HIV. 13. for Bodily Injury or Sickness caused by or arising from or due to venereal or venereal related disease. 14. for Bodily Injury sustained whilst or as a result of active participation in any violent labour disturbance, riot or civil commotion or public disorder. 15. for Bodily Injury sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, notwithstanding that the Bodily Injury occurred whilst the Insured Person was on leave or not in uniform. 16. for treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity. 17. any pathological fracture. 18. for cures of any kind and all stays in long term care institutions (retirement homes, convalescence centres, centres of detoxification etc.). 19. for investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency. 20. for Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hangliding, parasailing, off-piste skiing or bungee jumping. 21. for Bodily Injury caused by or arising from or as a result of Terrorism.

SECTION VI – TRAVEL INSURANCE


SECTION VI (A) - CHECKED BAGGAGE LOSS


If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects that have been checked in on the same Common Carrier as a travelling Insured Person, are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.

Specific Definitions applicable to Section VI (A)


1) Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.


Specific Conditions applicable to Section VI (A)


1) All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim. 2) If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy. 3) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.


Specific Exclusions applicable to Section VI (A)


The Company shall not be liable to pay any benefit in respect of any Insured Person for: 1) loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons. 2) mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle. 3) destruction or damage due to wear and tear, moth or vermin. 4) baggage, clothing and personal effects despatched as unaccompanied baggage. 5) theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means. 6) loss or damage to sports equipment whilst in use, contact lenses, samples, tools. 7) for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority. 8) for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. 9) for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring. 10) for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause. 11) a claim involving animals. 12) loss, including but not limited to loss by theft, or damage to vehicles or other accessories. 13) for any loss that is not reported either to the appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained. 14) baggage and/or personal effects sent under an airway-bill or bill of lading. 15) computer equipment, cameras, musical instruments, radios and portable radio/cassette/compact disc players. 16) contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.


Specific Claims Provisions applicable to Section VI (A)


In the event of a claim the Insured Person must: 1) give immediate written notice: a) to the relevant Common Carrier in the event of loss or damage in transit; b) to the relevant police authority in the event of loss or theft; 2) submit a copy of the relevant Common Carrier or police report when a claim is made; 3) obtain a Common Carrier or police report where the loss occurred; 4) in the event of loss by a carrier, retain original tickets and baggage slips and submit them when a claim is made; 5) submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and 6) for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made.


For purposes of any claim hereunder: 1) a pair of skis, ski boots and accessories shall be regarded as one item; 2) bottles of perfume, aftershave, and make up shall together be regarded as one item; 3) the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.


SECTION VI (C) - LOSS OF BAGGAGE AND PERSONAL DOCUMENTS


If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects owned by or in the custody of an Insured Person are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.


Specific Definitions applicable to Section VI (C)


Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.


Specific Conditions to applicable Section VI (C)


Any valid claim involving a motor vehicle, and at all time subject to Specific Exclusion (5), will be limited to a maximum of fifty percent (50%) of the Sum Insured stated in the Schedule. All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim. If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy. If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.


Specific Exclusions applicable to Section VI (C)


The Company shall not be liable to pay any benefit in respect of any Insured Person for: loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons. mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle. destruction or damage due to wear and tear, moth or vermin. baggag