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About HDFC Bank Credit Card Charges and Fees in India

HDFC Bank credit cards come with a range of benefits which makes transactions both rewarding and seamless. You can use your HDFC Bank credit card to avail instant loans, withdraw cash, convert your purchases into EMI, transact overseas, etc. The credit card also allows you to earn attractive discounts, offers, and rewards. However, to ensure that you use your credit card to the fullest without attracting unnecessary expenses, you need to be aware of the different HDFC credit card charges and fees.

Types of HDFC Bank Credit Card Charges and Fees

Below is a list of the different types of charges and fees you can incur on your HDFC Bank credit card:

  • HDFC Bank Credit Card Annual Fees: Also known as the HDFC Bank credit card yearly charges, these charges are levied once a year. In some cases, however, the annual fee is waived off against milestone spends. Also, if you own an HDFC Bank credit card with zero annual fees, you are not required to pay this amount.

  • HDFC Bank Credit Card Cash Advance Charges: If you use your HDFC Bank credit card to access cash from an ATM in case of an emergency, you are required to pay this charge.

  • HDFC Bank Credit Card Finance Charges: Finance charges, informally referred to as interest charges, are applicable if you fail to pay your total HDFC Bank credit card bill in full. Such a charge is imposed as a monthly percentage till the time the total outstanding dues are cleared. For cash advances, the interest charges are levied from the date of withdrawal itself; however, for skipped payments, the charges are levied from the first statement generation date post-transaction.

  • HDFC Bank Credit Card Returned Payment Charges: You incur this charge if your credit card payment bounces. This may be because of insufficient funds, frozen accounts, or closed accounts.

  • HDFC Bank Credit Card Late Payment Charges: The HDFC Bank credit card late payment charges are levied when the minimum amount due on the card is not paid by the payment due date.

  • HDFC Bank Balance Transfer Processing Charges: You must pay this processing charge for availing balance transfer facility on your HDFC Bank credit card. It is a percentage of the total debt transferred from the other card to your HDFC Bank credit card.

  • HDFC Bank Credit Card Loan Pre-Closure Charges: Closing your HDFC Bank credit card loan before the tenor ends attracts a certain charge on the principal balance outstanding, which is known as the pre-closure charge.

  • HDFC Bank Credit Card Foreign Transaction Charges: You are required to pay this charge if you use your credit card to transact abroad.

  • HDFC Bank Credit Card Over Limit Charges: If expenses breach your HDFC Bank credit card limit, you are required to pay the overlimit charge.

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HDFC Bank Credit Card Fees and Charges for Top 5 Cards

 

HDFC Bank Regalia Credit Card

HDFC Bank MoneyBack Credit Card

HDFC Bank Times Platinum Credit Card

HDFC Diners Club Black Credit Card

HDFC Bank Indian Oil Card

Annual/ Renewal Fee

₹2,500 (annual waived against spends of ₹3 lakhs in a year)

₹500
(annual waived against spends of ₹50,000 in a year)

₹1,000
(annual fee waived against spends of ₹2.5 lakhs in a year)

₹10,000 (annual fee waived against spends of ₹5 lakhs in a year)

₹500
(renewal fee waived against spends of ₹50,000 in a year)

Finance Charges

3.6% per month, i.e. 43.2% annually

3.6% per month, i.e. 43.2% annually

3.6% per month, i.e. 43.2% annually

1.99% per month, i.e. 23.88% annually

3.6% per month, i.e. 43.2% annually

Cash Advance Charges

2.5% of amount withdrawn (minimum charge: ₹500)

2.5% of amount withdrawn
(minimum charge: ₹500)

2.5% of amount withdrawn
(minimum charge: ₹500)

2.5% of amount withdrawn
(minimum charge: ₹500)

2.5% of amount withdrawn
(minimum charge: ₹500)

Returned Payment Charges

2% of payment amount
(minimum charge: ₹450)

2% of payment amount
(minimum charge: ₹450)

2% of payment amount
(minimum charge: ₹450)

2% of payment amount
(minimum charge: ₹450)

2% of payment amount
(minimum charge: ₹450)

Late Payment Charges

  • Less than ₹100: Nil
  • ₹100 to ₹500: ₹100
  • ₹501 to ₹5,000:: ₹500
  • ₹5,001 to ₹10,000: ₹600
  • ₹10,001 to ₹25,000: ₹800
  • ₹25,001 to ₹50,000: ₹1,100 (from September 01, 2020; earlier ₹950)
  • More than ₹50,000: ₹1,300 (from September 01, 2020; earlier ₹950)
  • Less than ₹100: Nil
  • ₹100 to ₹500:: ₹100
  • ₹501 to ₹5,000: ₹500
  • ₹5,001 to ₹10,000: ₹600
  • ₹10,001 to ₹25,000: ₹800
  • ₹25,001 to ₹50,000: ₹1,100 (from September 01, 2020; earlier ₹950)
  • More than ₹50,000: ₹1,300 (from September 01, 2020; earlier ₹950)
  • Less than ₹100: Nil
  • ₹100 to ₹500:: ₹100
  • ₹501 to ₹5,000: ₹500
  • ₹5,001 to ₹10,000: ₹600
  • ₹10,001 to ₹25,000: ₹800
  • ₹25,001 to ₹50,000: ₹1,100 (from September 01, 2020; earlier ₹950)
  • More than ₹50,000: ₹1,300 (from September 01, 2020; earlier ₹950)
  • Less than ₹100: Nil
  • ₹100 to ₹500: ₹100
  • ₹501 to ₹5,000: ₹500
  • ₹5,001 to ₹10,000: ₹600
  • ₹10,001 to ₹25,000: ₹800
  • ₹25,001 to ₹50,000: ₹1,100 (from September 01, 2020; earlier ₹950)
  • More than ₹50,000: ₹1,300 (from September 01, 2020; earlier ₹950)
  • Less than ₹100: Nil
  • ₹100 to ₹500: ₹100
  • ₹501 to ₹5,000: ₹500
  • ₹5,001 to ₹10,000: ₹600
  • ₹10,001 to ₹25,000: ₹800
  • ₹25,001 to ₹50,000: ₹1,100 (from September 01, 2020; earlier ₹950)
  • More than ₹50,000: ₹1,300 (from September 01, 2020; earlier ₹950)

Balance Transfer Processing Charges

1% of the balance transfer amount (minimum charge: ₹250)

1% of the balance transfer amount (minimum charge: ₹250)

1% of the balance transfer amount (minimum charge: ₹250)

1% of the balance transfer amount (minimum charge: ₹250)

1% of the balance transfer amount (minimum charge: ₹250)

Loan Pre-Closure Charges

3% of the balance principal outstanding

3% of the balance principal outstanding

3% of the balance principal outstanding

3% of the balance principal outstanding

3% of the balance principal outstanding

Foreign Transaction Charges

Mark-up of 2%

Mark-up of 3.5%

Mark-up of 2%

Mark-up of 2%

N/A

Overlimit fee

2.5% of overlimit amount

(minimum of ₹550)

2.5% of overlimit amount

(minimum of ₹550)

2.5% of overlimit amount

(minimum of ₹550)

2.5% of overlimit amount

(minimum of ₹550)

2.5% of overlimit amount

(minimum of ₹550)

 

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, trade names, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on HDFC Credit Card Charges and Fees

Are there any charges for an HDFC Bank credit card?

Owning and using an HDFC Bank credit card does attract some charges, including maintenance charges, finance charges, overlimit charges, etc. These, however, vary from card to card. Your card usage pattern too has a role to play when it comes to listing the charges you must incur.

What are the different fees and charges on HDFC Bank credit cards?

HDFC Bank credit card charges and fees vary from one card to another. Some of these charges can be avoided based on usage. Common HDFC credit card fees and charges include annual maintenance fee/renewal fee, cash advance fee, overlimit fee, late payment fee, finance charges, etc.

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