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.
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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 |
₹1,000 |
₹10,000 (annual fee waived against spends of ₹5 lakhs in a year) |
₹500 |
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2.5% of amount withdrawn (minimum charge: ₹500) |
2.5% of amount withdrawn |
2.5% of amount withdrawn |
2.5% of amount withdrawn |
2.5% of amount withdrawn |
Returned Payment Charges |
2% of payment amount |
2% of payment amount |
2% of payment amount |
2% of payment amount |
2% of payment amount |
Late Payment Charges |
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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) |
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.
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.