MOST IMPORTANT

TERMS & CONDITIONS

The Most Important Terms and Conditions are to be read along with the Card Member Agreement of
HDFC Bank Ltd for complete understanding. The MITC are subject to change. Refer [Link].
com for details.
SCHEDULE OF CHARGES
Description of JetPrivilege HDFC Bank Diners Club, Diners Club Rewardz, Times Platinum
charges Infinia, Diners Black, Diners Privilege, Card, JetPrivilege Platinum, Solitaire,
Regalia, Business Regalia, Doctor's Platinum Edge, MoneyBack, Business
Regalia, Diners Club Premium, Diners MoneyBack, JetPrivilege Titanium /
C l u b M i l e s , J e t P r i v i l e g e Wo r l d / Select, Times Titanium Card, Teacher's
Signature, AllMiles, Millennia, Doctors Platinum, Business Platinum, Easy EMI
Superia, Superia, Regalia First, Business Credit Card, Snapdeal HDFC Bank
Reglia First, Bharat CashBack, Best price Card, Small Business Moneyback, Best
Save Max IndianOil HDFC Bank Card, price Save Smart
Freedom Card, B usiness B harat
CashBack, Business Freedom Card
Interest free Period Up to 50 days Up to 50 days
Minimum
5% or minimum `200 5% or minimum `200
Repayment Amount
Cash Advance Limit 40% of the Credit Limit 40% of the Credit Limit
Best Price Save Max —`1,000 Best Price Save Smart — `500
Regalia / Business Diners Club Rewardz — `1,000
Regalia / Doctor's Regalia
—`2,500 JetPrivilege HDFC Bank
Diners Club Premium / Platinum / Times
Diners Privilege —`2,500 Platinum Card — `1,000
Annual / Renewal JetPrivilege HDFC Bank
Fee Solitaire / Platinum Edge /
World / Signature -
— `2,500 MoneyBack / Business
JetPrivilege HDFC MoneyBack / JetPrivilege
Bank Diners Club
— `10,000/`5,000
Titanium & Select / Times
Millennia/ Regalia First/
Titanium Card / Easy EMI/
Business Regalia First/
Diners ClubMiles/AllMiles/ Teacher's Platinum /
Doctors Superia / Superia
— `1,000 Snapdeal HDFC Bank Card — `500
Infinia
— `10,000 Business Platinum — `299
Diners Black
—`10,000 Bharat CashBack / Freedom
Card /IndianOil HDFC Bank
Card Business Bharat
CashBack / Business
Freedom Card — `500
Small Business Moneyback —`250

Superia Card
Spend `75,000 in first year and get a waiver on next year's annual membership fee
Spend condition for Freedom
waiver of annual Spend `60,000 in a year and get a waiver of next year's annual membership fee.
charges Excludes W.e.f 15 Feb'19, Spend Rs.50,000 annually and get the next year's renewal fee
transactions below waiver.
Bharat / Business Freedom / Business Bharat CashBack / Bharat CashBack
/ IndianOil HDFC Bank Card
•Cash on Call Spend `20,000 in a year and get a waiver of next year's annual membership fee.
•Balance Transfer W.e.f 15 Feb'19, On Bharat Cashback and IndianOil HDFC Bank Card, spend Rs.
•Cash Withdrawal 50,000 annually and get the next year's renewal fee waiver.
Small Business MoneyBack
Spend `25,000 and get a waiver of next year's annual membership fee
 Solitaire / Titanium Edge / Platinum Edge / MoneyBack / Business MoneyBack /
Easy EMI / Best Price Save Smart
Spend `50,000 in a year and get a waiver of next year's annual membership fee
Best Price Save max
Spend `75,000 in a year and get a waiver of next year's annual membership fee
Millennia /AllMiles / Doctor’s Superia/ Diners Club Rewards / Regalia First /
Business Regalia First/ Diners ClubMiles
Spend `1,00,000 in a year and get a waiver of next year's annual membership fee
Regalia / Business Regalia / Doctor's Regalia / Diners Club Premium / Diners
Privilege
Spend `3,00,000 in a year and get a waiver of next year's annual membership fee
JetPrivilege HDFC Bank Titanium & Select / Times Titanium Card / Snapdeal
HDFC Bank Card
Spend `1,50,000 in a year and get a waiver of next year's annual membership fee
JetPrivilege HDFC Bank Platinum / Times Platinum Card
Spend `2,50,000 in a year and get a waiver of next year's annual membership fee
Spend condition for JetPrivilege HDFC Bank World / Signature
Spend `3,00,000 in a year and get a waiver of next year's annual membership fee
waiver of annual
Teacher's Platinum / Business Platinum
charges Excludes
Spend `30,000 in a year and get a waiver of next year's annual membership fee.
transactions below W.e.f 15 Feb'19, On Teachers Platinum Spend Rs.50,000 annually and get the next
year's renewal fee waiver.
Infinia / Jet Diners
•Cash on Call Spend `8 Lakh in a year and get a waiver of next year annual membership fee. For Jet
•Balance Transfer Diners, Spends done after 15 Feb'19 will be considered, for next renewal fee waiver.
•Cash Withdrawal Diners Black
Spend `5 Lakh in a year and get a waiver of next year annual membership fee
Additional Card Fee Lifetime Free
JetPrivilege HDFC Bank Diners Club/ Diners Black/ Infinia - 1.99%
per month i.e. 23.88% annually
Charges on Regalia / Business Regalia / Doctors Regalia / Diners Privilege /Millennia/
Revolving Credit Easy EMI/ Jet Signature/ Jet World/ Regalia First/ Best Price Save Smart /
Best Price Save Max / Business Regalia First / Others - 3.49%
per month i.e. 41.88% annually
This can change periodically depending on spend, payback and utilization
patterns. The maximum interest rate, in the event of default, is 3.5%
per month i.e. 42% annually.
Card issued against Fixed Deposit - 1.99% per month (23.88% annually)
applicable from transaction date
Applicable on all transactions of Rs 10,000/- or more done on
Auto EMI
Easy EMI Credit Card
conversion charges
- EMI conversion will be done for a tenure of 9 months, at an ROI of 20%,
and processing fee of Rs 99
Grace days of 3 days is allowed from the payment due date on credit card accounts,
where payments are not overdue.
The payment due date as mentioned on the credit card statement is the date by
Grace days which clear funds must be credited to the credit card, however 3 grace days are
provided to accommodate for processing time of payments.
The Bank shall report a credit card account as 'past due' to credit information
companies (CICs) and levy late payment charge, when a credit card account
remains 'past due' for more than three days. The number of 'days past due' and late
payment charges shall, however, be computed from the payment due date
mentioned in the credit card statement.
Cash Advance 2.5% of amount withdrawn
Charges 2.5% of amount withdrawn
or `500 whichever is higher or `500 whichever is higher
(excluding Infinia)
Late Payment Statement Balance Late Payment Charges Late Payment Charges
Charges Till 31st Mar 2019 W.e.f. 1st Apr 2019
(Basic Credit Card Less than `100 Nil Nil
bill amount) `100 to `500 `100/- `100/-
(excluding Infinia) `501 to `5,000 `400/- `500/-
`5,001 to `10,000 `500/- `600/-
`10,001 to `25,000 `750/- `800/-
More then `25,000 `750/- `950/-
Charges on overlimit 2.5% of overlimit amount,
2.5% of overlimit amount,
account subject to a minimum of `500
subject to a minimum of `500
(excluding Infinia)
Payment Return 2% of Payment amount subject 2% of Payment amount subject
Charges to minimum of `450 to minimum of `450
Cash Processing `100 (for all card payments made `100 (for all card payments made
Fee by depositing in HDFC Bank by depositing in HDFC Bank
branches or ATMs) branches or ATMs)
`99 per redemption request - `99 per redemption request -
Rewards
Redemption Fee Applicable for all cards other than Not applicable for JetPrivilege
JetPrivilege HDFC Bank World / HDFC Bank Platinum & JetPrivilege
JetPrivilege HDFC Bank Diners HDFC Bank Titanium
Club / Infinia / Diners Black
Balance Transfer 1% of BT amount or `250, 1% of BT amount or `250,
Processing Charges whichever is higher whichever is higher
Loan Type Processing Fee
Loan Processing lnsta Loan - *`500
Fee and PreClosure Jumbo Loan - *`500
Charges Smart EMI - *1% of Loan Amount, Minimum `150
Balance Transfer on EMI - *1% of Loan Amount, Minimum `250
* Loan PreClosure Charges: 3% of the Balance Principal Outstanding
JetPrivilege HDFC Bank Diners Club/Infinia/Diners Waived for transaction
Fuel Transaction
Club Black — Fuel Surcharge Waiver capped at between
Surcharge `1000 every billing cycle (GST applicable). Diners a) ` 4 0 0 t o ` 5 0 0 0 f o r
Premium, Diners ClubMiles, Diners Privilege, Jet Regalia / Business
World / Signature, Regalia, Diners Rewardz, Regalia / Doctor's Regalia /
Regalia First, Business Regalia First, Jet Platinum, Regalia First / Business
ALLMILES, Business Regalia, Doctor's Regalia, Regalia First
Times Platinum — Fuel Surcharge Waiver capped `400 to `5000 for all other
at `500 every billing cycle (GST applicable). Best cards. Reward Points /
Price Save Smart, Best Price Save Max and all JPMiles will no be accrued
other cards - fuel surcharge waiver capped at on fuel transactions. GST
Rs.250 per billing cycle. Fuel Surcharge Waiver charged on fuel surcharge
capped at `250 every billing cycle (GST applicable). is non-refundable.
Reward Points / JPMiles will not be accrued on fuel
transactions. GST charged on fuel surcharge is
non-refundable. Fuel Surcharge Waiver will be
capped at 1% of the eligible fuel transaction
amounts. GST on Fuel surcharge will not be
reversed. The rate of surcharge may vary
depending on the fuel station and their acquiring
bank. The surcharge is levied by the acquiring bank
providing the terminal to the merchant. The value on
chargeslip will differ from the credit card statement
since the Surcharge & GST is levied by acquiring
bank post the transaction. The 1% surcharge waiver
(excluding GST) for eligible transactions would
reflect separately in the monthly credit card
statement.
 Railway Ticket 1% of the transaction amount + GST
Purchase Fee

Card Validation
charges - Lounge `2 and will not be reversed by the bank
(Applicable only
for Diners Cards)

Priority Pass Lounge All lounge visits within India using Priority Pass will be charged at $27 + Taxes per
Charges (Regalia / person per visit.
Doctor's Regalia / All lounge visits outside India beyond the complimentary cap will be charged at $27 -
Regalia First / , Taxes per person per visit. Please refer the product features of the card for details
JetPrivilege HDFC on bank website.
Bank World / All guest/s (person accompanying the priority pass holder) will be charged at $27 +
Signature) Taxes per person per visit

Reissue of Lost,
Stolen or `100 `100
Damaged Card

Cheque value upto `5,000 - Fee Cheque value upto `5,000 - Fee
Outstation Cheque will be `25 will be `25
Processing Charge
Cheque value above `5,000 - Cheque value above `5,000 -
Fee will be `50 Fee will be `50
Bank Charges Cross currency mark- Bank Charges Cross currency mark-
up of 3.5% (2% for Regalia / Business up of 3.5% (3.0% for Diners Club
Foreign Currency Regalia / Doctor's Regalia / JetWorld /
Transactions Rewardz, Diners ClubMiles) Best
JetPrivilege HDFC Bank Diners Club /
Diners Privilege / Diners Club Price Save Smart
Premium / Regalia First / Business
Regalia First / Infinia / Diners Black /
Best Price Save Smart )

Applicable on all Fees, Interest and other Charges. •The applicable GST would
be dependent on place of provision (POP) and place of supply (POS),If POP and
Goods and Services POS is in the same state then applicable GST would be CGST and SGST /
Tax (GST)
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.

Applicable on all Fees, Interest and other Charges. 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
TDS on withdrawals SGST/UTGST else, IGST. GST For FEE & Charges / Interest transactions
above Rs 1 crore Billed on statement date will reflect in next month statement. GST levied will not
be reversed on Any dispute on Fee & Charges / [Link] 01-Sep-
19,TDS@2% is applicable on aggregate cash withdrawals exceeding Rs 1 Cr
from accounts and cards , in a [Link] [Link] for details.
1. Fees and Charges claims by the merchant. However, this is not
applicable if the Previous month’s balance has
A. Fees payable on the Credit Card by the not been cleared in full or if the Cardmember
Cardmember has availed of cash from ATM. For instance, the
• Annual Fees • Renewal Fees HDFC Bank International Platinum Plus Card
The fees may vary for each Cardmember, and has an interest-free credit period of up to 50
from offer to offer. The same is communicated days. This means that a customer who has a
to the Cardmember at the time of applying for billing date of 4th of the month can spend on
the Credit Card. The above fees as applicable his Card from 5th April to 4th May, his bill will
are billed to the card account and are stated in be generated on 4th May and his Payment Due
the card statement of the month in which it is Date will be 24th May. Hence a purchase made
charged. on 14th April will have a credit period of 41 days,
while a purchase made on 2nd May will have a
B. Cash Advance Fees credit period of 23 days. This period will be free
The Cardmember can use the Card to access of interest only if all previous dues are paid in full
cash in an emergency from ATMs in India or and there is no unpaid balance carried over from
abroad. A transaction fee of 2.5% (Minimum previous months
`500) (excluding Infinia) would be levied on 2. Limits
the amount withdrawn and would be billed to
HDFC Bank at its sole discretion will determine
the Cardmember in the next statement. The
the Cardmember’s credit limit and cash
transaction fee is subject to change at the
withdrawal limit. (Add-on Cardmembers share
discretion of HDFC Bank. All cash advances
the same limit). These limits are communicated
also carry a finance charge equal to charges
to the Cardmember at the time of card delivery
on revolving credit (please refer schedule of
and in the monthly statements. The available
charges) from the date of withdrawal until the
credit limit at the time of the statement generation
date of full payment. The finance charge is
is provided as a part of the monthly statement.
subject to change at the discretion of HDFC
HDFC Bank will review the Cardmember account
Bank.
periodically, may decrease the Cardmember
C. Charges credit limit based on internal criteria. In such
i) Charges and fees, as may be applicable from an instance the Bank will inform immediately
time to time, are payable by Cardmembers for including the reason thereof, by SMS or
specific services provided by HDFC Bank to the e-mail followed by confirmation in writing.
Cardmember or for defaults committed by the Cardmembers seeking to have their credit limit
Cardmember with reference to his card account. increased can do so by writing to the Bank and
providing financial documents declaring their
ii) HDFC Bank retains the right to alter any charges income. The Bank, at its sole discretion and
or fees from time to time or to introduce any new based on such new documents provided, may
charges or fees, as it may deem appropriate, increase the credit limit of the Cardmember.
with due intimation to customer.
3. Finance Charges
For interest rates, pre-closure and cancellation
charges on Loan on Credit Cards, Please • Finance charges are payable at the monthly
Visit : [Link] percentage rate on all transactions from the date
products/loans/loan-on-credit-card of transaction in the event of the Cardmember
choosing not to pay his balance in full, and on
iii) All transactions equal to and above the value all cash advances taken by the Cardmember, till
of Rs 10,000 on the Easy EMI Credit Card will they are paid back. Finance charges, if payable,
be automatically converted to Easy EMI with 9 are debited to the Cardmember’s account till the
months tenure by default at 20% Rate of Interest, outstanding on the card is paid in full.
without any further consent from the customer.
Processing Fee of Rs 99/- (Exclusive of GST for • Finance charges on cash advances are
all loan amounts) is applicable for all Easy EMI applicable from the date of transaction until the
loan conversion. payment is made in full.
• When the customer carries forward any
D. Interest Free Period outstanding amount or avails of Cash Advance,
The interest free credit period could range from a finance charge calculated by average Daily
20 to 50 days subject to the scheme applicable Balance Method, will apply to balances carried
on the specific Credit Card (please refer to the forward and to fresh billings.
Schedule of Charges) and the submission of • If a Cardholder avails of the revolving credit
 facility of the HDFC Bank Credit Card and Thus, on the statement dated 18th May, the following
hence chooses to pay an amount less than the will reflect as the component of the total amount
total amount due reflected in the monthly billing payable by you
statement, the entire outstanding amount would Interest calculated = (outstanding amount*
attract finance charges and all new transactions
3.49%Pm*12 months*no of days)/365. Therefore,
will also attract finance charges till such time as
the previous outstanding amounts are repaid in a. Interest on `15,000 @ 3.49%pm from 19 April to
full. 11 May (i.e for 23 days) = `395.85
• Late Payment Charges excluding Infinia will be Interest on `13,000 @ 3.49%pm from 12 May to
applicable if Minimum Amount Due is not paid 14 May (i.e for 3 days) = `44.75
by the payment due date, Clear funds need to Interest on `5,000 @ 3.49%pm from 19 April to
be credited to HDFC Bank Card account on 14 May (i.e for 26 days) = `149.16
or before the payment due date, to avoid Late Interest on `3,000 @ 3.49%pm from 15 May to
Payment charges. Late payment charges are 18 May (i.e for 4 days) = `13.77
applicable as: Interest on `1,000 (fresh spends) @ 3.49%pm
Statement Balance Late Payment Charges from 15 May to 18 May (i.e for 5 days) = `5.74
(W.e.f. 1st April’19) Total interest = `609.27
Less than `100 - Nil b) Late Payment Charges = `800 (excluding Infinia)
`100 to `500. - `100/- c) GST@ 18% of interest and late payment charges
= `253.6
`501 to `5000 - `500/-
d) Total principal outstanding amount = `4,000
`5001 to `10000 - `600/-
(`1,000 fresh spends + balance `3,000
`10001 and 25000 - `800/- outstanding from last month’s billing period)
More Then `25000 - `950/- Hence Total Amount Due = (a) + (b) +(c) + (d) =
• Over limit charges excluding Infinia are `5662.87
applicable on total outstanding exceeding the Please note that the Finance Charges and other
Credit Limit at the rate of 2.5% of the over limit charges are subject to change at the discretion of
amount subject to minimum of `500. HDFC Bank.
The following illustration will indicate the method Also please note that if the Cardmember exceeds
of calculating various charges the credit limit of the accounts, Over Limit Charges
Assume that you have paid all previous dues in full excluding Infinia will be levied on the account. For a
and do not have any amount outstanding in your list of charges that may be levied at specific instances,
Card Account. Your statement date is 18th of every please refer to the Schedule of Charges available at
month. The following is the list of transactions you the end of this document.
have done on your card account. Minimum Amount Due (MAD) -- 5% of the Total
Amount Due and rounded to the next higher 10th
Date Transaction Amount digit. (OR) Minimum Rs. 200.
10-Apr Purchase of MAD amount computed will be rounded-Off to the
household goods `15,000 next multiple of 10th digit for wherever there are no
15-Apr Purchase of 100% MAD computation happens. Example: If the
garments ` 5,000
MAD amount is Rs. 1503.50 , post computation it will
Total Amount be rounded-Off to next multiple of 10th digit i,e Rs.
due = `20,000 1510
18-Apr Statement Date
Minimum Amount 4. Billing and Statement
Due = `1,000
a) HDFC Bank will send the Cardmember a monthly
Payment into statement showing the payments credited and
card account the transactions debited to the Cardmember’s
12- (Late payment `2,000 (Credit) account since the last statement. The Bank
May charges will be will mail a statement of transactions in the card
applicable here) account every month on a pre-determined date,
14- Purchase of to the mailing address on record with the bank. If
May Groceries `1,000 the balance outstanding is less than `200/- and
15- Payment into there is no further transaction pending billing
May card account `15,000 since the last statement, no statement will be
issued.
b) HDFC Bank Credit Cards offer the Cardmember the HDFC Bank branches and ATMs.. The
the facility of revolving credit. The Cardmember Cheque Draft should be made payable to
may choose to pay only the Minimum Amount HDFC Bank Card Number xxxx xxxx xxxx
Due printed on the statement. The balance xxxx. Kindly ensure that the cheque/draft
outstanding can be carried forward to is deposited at least 3 working days before
subsequent statements. The Cardmember can due date in case of HDFC Bank cheque
also choose to pay the Total Amount Due or any and 5 working days before due date for
part of the amount above the Minimum Amount Non-HDFC Bank cheque.
Due. Such payment should be made before iv) Through Cash Payments at the bank
the Payment Due Date. Clear funds need to branches.
be credited to HDFC Bank Card account on or f) Billing Disputes: All the Contents of the
before payment due date to avoid Late Payment statement will be deemed to be correct and
Charges. Cardmembers are advised to drop accepted if the Cardmember does not inform
local cheques well in advance of the Payment HDFC Bank of the discrepancies within 30
due date to ensure payment reflects on the days of the Statement Date in writing. On
card account within the Payment due date. Any receipt of such information, HDFC Bank may
unpaid Minimum Amount Due of the previous reverse the charge on temporary basis pending
statements will be added to the Cardmember’s investigation. If on completion of subsequent
current Minimum Amount Due in addition to investigations, the liability of such charges is
the outstanding exceeding the Cardmember’s to the Cardmembers account, the charge will
Credit Limit. be reinstated in a subsequent statement along
c) Payments made towards the card outstanding with the associated retrieval requests charges.
are acknowledged in subsequent statements. Upon receipt of dispute from customers, within
d) Payments received against the Cardmember’s a maximum period of Thirty days, Bank would
card outstanding will be adjusted against all provide necessary documents, wherever
taxes, fees and other charges, interest charges, applicable and received from the Member Bank,
cash advances and purchases in that order. subject to operating guidelines laid down by the
e) Payments towards the card account may be respective franchisee like Visa/Master Card/
made in any of the following ways: Diners Club etc. GST levied will not be reversed
I) In case the Cardmember has an on any dispute on Fee & Charges / interest.
HDFC Bank account, he can make the Kindly refer our Customer Protection Policy
Payment through NetBanking, ATMs, or for electronic banking transactions at:www.
PhoneBanking. [Link]/assets/pdf/Customer-Protection-
II) In case the Cardmember has an HDFC [Link]
Bank account, he can opt for a Standing g) Contact Particulars: The Cardmember can
Instruction facility, where funds can contact HDFC Bank Credit Cards for making
be automatically transferred from the any enquiries or for any grievance redressal
Cardmember’s HDFC Bank account to the through:
Cardmember’s card account on due date. • Please visit [Link] to know our 24
The Automatic debit will be processed on hours call center number
the registered account nominated by the • For Infinia / Diners Black customers pls visit
Cardmember from the Payment Due Date [Link] for 24 hours
and will be credited to the Card Account. dedicated customer care number
In the event of non-realization of payment • Through mail - Manager, HDFC Bank Cards
in the first attempt, repeat attempts will be P.O. Box 8654, Thirvanmiyur, Chennai - 600 041
made until realization of payment • By Email: [Link]@hdfcbank.
III) Customer can also make payment through com
NEFT fund transfer mode from other bank
account (use IFSC code HDFC0000128) 5. Default
or use the VISA Money transfer facility. In the event of default, the Cardmember will be
IV) In case the Cardmember does not have sent reminders from time to time for settlement
an HDFC Bank account, he can make the of any outstanding on the card account, by post,
Payment through Bill Desk facility using fax, telephone, e-mail, SMS messaging and/
other banks NetBanking account. or engaging third parties to remind, follow up
V) By dropping the payment instrument and collect dues. Any third party so appointed,
(Cheque or draft) into any of the HDFC shall adhere fully to the code of conduct on debt
Bank Credit Card drop boxes placed in collection.
6. Right of Lien after the Agreement has ended or if the card
A) The bank, at any time and without notice, will account is suspended.
have lien and right to set-off on all monies With a view to ensure that the Credit Card is
belonging to the Cardmember and/or add on being used as per the regulatory guidelines,
Cardmember standing to their credit in any Terms and Conditions and applicable policies
account/custody of the bank, if upon demand of the Bank, Bank shall have a right to run
by the bank, the balance amount on the card periodic checks on the Credit Card usage to
account is not repaid within the prescribed time. identify whether there is excessive utilization of
B) During settlement of redemption in case credit limit beyond the sanctioned limit in one
available Reward Points balance is lesser than statement cycle, unusual or excessive utilization
Points required for the transaction, the bank at few select merchants, possible collusion with
reserves rights to debit the differential amount merchant and/or usage towards non-personal/
on the Customers Card/Account. business related requirements, over-use/
misuse of features/ offers/ programs towards
7. Termination/Revocation of the Card accumulation of undue reward points/ cash
Membership back / other benefits amongst others. Based on
I/ We understand that the usage of the HDFC the usage patterns, if any of these is suspected
Bank International Credit Card(s) shall be strictly by the Bank, Bank may take restrictive action
in accordance with exchange control regulations, on the Credit Card. Such action can be with
law of the land or of the Regulatory authorities immediate effect and may include but not be
as applicable from time to time, the card will limited to withdrawal of features/ benefits as well
not be used for transactions involving Forex as complete termination of the Credit Card. If
trading, lottery, betting, gambling, dating which any such action is taken by the Bank onus will
I/We undertake as my/our responsibilities to be on customer to provide satisfactory proof of
keep myself/ourself updated of and in the event bona fide usage to reinstate the Credit Card and
of any failure to do so , I/We will be liable for attached features/ benefits as may be deemed
action under the Foreign exchange management fit by the Bank. Bank’s decision in this regard
act 1999 or its statutory modifications or re- shall be final and binding on the customers
enhancement thereof. C) In such a situation, the Cardmember must
A) The Cardmember may terminate the card (subject to any default or other notice required
membership at any time by writing to HDFC by law) immediately pay HDFC Bank the total
Bank at the following address: Manager HDFC outstanding balance on the Account. This
Bank Credit Cards, P.O. Box 8654, Thirvanmiyur includes all amounts due to HDFC Bank under
HO, Chennai- 600 041. Along with the cards cut the Agreement, including all transactions and
diagonally to pieces, all the cards including the other amounts not yet charged to the Account.
add-on cards will be terminated basis the written The card will not be considered as closed until
request. Termination will be effective only after the Cardmember has paid all such due amounts.
receipt of the cut cards and payment of all D) The death or in capacitance of a Cardmember
amounts outstanding to the card account. No insolvency / dissolution / bankruptcy or winding
annual, joining or renewal fees shall be refunded up of a corporate body of a Cardmember
on a pro-rata basis. shall automatically cancel the card issued
B) In case the Bank notices unusual and abnormal to the Cardmember as well as any Add-on
transaction patterns in the use of the Card, Cardmembers. The Card Account would also
the Bank will try to establish contact with the be liable to be suspended on instructions from
customer on the registered phone number of any government regulatory body. All amounts
the customer available on its records to verify outstanding on the Card Account shall be deemed
the bonafideness of the card transaction. Failure to have immediately become due on death or
on the part of the Bank to establish contact with incapacitance, insolvency, bankruptcy, winding
the customer, the Bank may restrict/terminate up or instruction from government/regulatory
the use of the Card without any further notice, bodies, as the case may be, and Bank shall be
if the Bank reasonably believes it necessary in entitled to recover the same in accordance with
the interest of the Cardholder and for security the relevant laws in force without prejudice to
reasons. the obligation of the Cardmember to forth with
HDFC Bank can suspend the facility on the pay all outstanding amounts.
Credit Card, if the Cardmember defaults 8. Loss / theft / misuse of Card
on payment due or exceeds the credit limit
A) The Cardmember must notify the 24 Hour
extended. The Credit Card must not be used
Call Center immediately if the Primary or
 any Additional credit card is misplaced, lost, variants, JetPrivilege miles will be earned
stolen, mutilated, not received when due or if for transaction amounts in multiples of `150,
he/she suspects that the Credit Card is being residual amounts or transactions below `150
used without Cardmember’s permission. Once will not earn JetPrivilege miles. For Silver cards
a card is reported lost, it should not, under and Freedom Plus Cards, Reward Points are
any circumstance be used if found by the earned on transactions amounts in multiple of
Cardmember subsequently. As the Add-On card `200, residual amounts or transactions below
is an extended facility given on the Primary `200 will not earn Reward Points.
Card Account, the Add-on card is rendered Reward Points are valid only for 2 years from the
invalid when the primary card is reported lost. date of accumulation. e.g.:- if you have received
Similarly, if the Add-on card is reported lost, the Reward Points in the month of May 2015, then
primary Card Account and other Add-on cards the same will expire in May 2017, except for
are invalidated. Infinia/ Diners Black for which reward points are
B) The Bank is not liable or responsible for any valid for 3 years, and Millennia and Easy EMI
transaction incurred on the card account prior cards on which cash points are valid for 1 year.
to time of reporting of the loss of the card, a. EasyEMI and e-wallet loading transactions will
and the Cardmember will be wholly liable for not accrue Reward Points/JP Miles.
the same. Card swipe transactions may get
b. Reward Points/JP Miles accrued will be reversed
processed by merchants without PIN / additional
if a retail transaction is converted into SmartEMI.
authentication, when it is initiated on merchants
located outside India as it may not be a mandate c. W.e.f. 20th Dec 2019, Reward Points/JP Miles
in those countries. Cardmember is wholly liable accrued for insurance transactions will have
for all transactions prior to reporting of loss of the a maximum cap of 5000 per day for Infinia &
card. After the receipt of proper notification of the Diners Black credit cards and 2000 per day for
loss by the bank, the Cardmember’s subsequent all other credit cards.
liability is zero. In addition to notifying HDFC d. If the Credit Card is not used for more than 365
Bank about the loss or theft of the Card, the days, Reward Points accrued will be nullified.
Cardmember must report any loss or theft of e. The Bank reserves the right to cancel or suspend
the card to the police, lodge an FIR and provide Reward Points accrued on the Credit Card if
acknowledged copy of the police complaint. it is in arrears, suspension or default or if the
C) The Cardmember will be liable for all losses in Card Account is or is reasonably suspected to
case of misuse of the card by someone who be operated fraudulently. Reward Points earned
obtained the PIN or the card with the consent of but not redeemed at the time of death of the
Cardmember or an Additional Cardmember. Cardmember shall be forfeited.
D) If the Cardmember has acted fraudulently the f. When the Cardmember obtains a refund or
Cardmember will be liable for all losses. If the reimbursement for transactions previously
Cardmember acts without reasonable care, incurred (for example, for returned merchandise
the Cardmember may be liable for all losses or a cancelled transaction) a credit will be
incurred. issued to the Card Account in the amount of
E) HDFC Bank may, without referring to the reimbursement granted. Such credits posted
Cardmember or any additional Cardmember, to the Card Account including but not limited to
give the police or other relevant authorities any those arising from returned goods or services
information that HDFC Bank consider relevant or cancelled transactions, will reduce the
about the loss, theft, misuse of a Card or PIN. Reward Points accrued to the Card Account
as per the adjustments. Incase of cancellation
F) An optional insurance product may be availed of
of Evouchers that were availed by redeeming
by the card members, at his/her own discretion,
reward points, the restoration of reward points,
to cover the liability arising in the event of any
if allowed at the discretion of the Bank, would
fraudulent transactions on the Credit Card.
be allowed at same rate at which the Evouchers
For further details and terms and conditions
redeemed at.
of such Insurance cover, kindly contact our
representative of the Bank. 10. Grievance Cell
9. Reward Points In the rare event of not being satisfied with the
response from any of the recent contacts with the
Reward Points will be earned for transaction
Bank, you can write to - The Manager, Grievance
amounts in multiples of `150, residual amounts
Cell, HDFC Bank Credit Cards Division. 8,
or transactions below `150 will not earn
Lattice Bridge Road. Thiruvanrniyur, Chennai -
Reward Points. For Jet Privilege Credit Card
600 041, or reach us on phone 04423625600
 between 09.30am to 05.30pm Monday to Friday. 12. Lounge Access
Priority Pass - Charge of $27 + taxes, will be
11. Disclosure
applicable on all the lounge visits exceeding the
The Cardmember acknowledges that as per complimentary cap.
existing business practices, the Bank can
Infinia: Complimentary priority pass membership
disclose from time to time any information
for Primary and add-on card holders with
relating to the Credit Card(s), to any credit bureau
unlimited lounge access for priority pass card
(Existing or Future) without any notice to the
holder.
customer. The Credit Information Bureau India
Ltd. (CIBIL) is an initiative of the Government of Diners Club Credit Card – All visits exceeding
India and Reserve Bank of India to improve the the complimentary limit will be charged at the
functionality and stability of the financial system. prevailing lounge rate inclusive of taxes. Card
All banks and financial institutions participating validation charges for the lounge will be levied
in this initiative are required to share customer which will not be reversed.
data with CIBIL / credit bureaus and this Please ensure the safety of your Priority
information is being provided in the terms of Pass to avoid misuse. The priority pass is not
the Credit Information Companies Regulation transferable. Bank has the right to withdraw the
Act, 2005. In view of this we wish to inform the Priority Pass membership or any other benefit
Cardmember that the bank can disclose any associated with your credit card if your card
information relating to credit card(s) default by is closed or remains inactive for more than 90
the customer to CIBIL and to any other credit days.
bureau (Existing and Future) in case the card is These charges will be billed on your subsequent
overdue, with due notice. Any refresh / updation statement within 90 days of date of visit and
of data on receipt of payment towards overdue this transaction will not accrue Reward Points.
card accounts will reflect in CIBIL / other credit Currency conversion rate is applicable as on the
bureaus within a period of 60 days from the date date of settlement.
of receipt of payment by the bank. We also wish
to inform the Cardmember that the bank will, at 13. Most Important Terms and Conditions in
its own discretion, record specific conversations Regional Languages
between the Cardmember and the representative Please Visit [Link] for information
of the Bank, in cases of grievance-related on MITC in regional languages,Options
conversation or payments-recovery-related available
conversations or any other conversations, that 1) Hindi 2) Kannada 3) Malayalam 4) Telugu
the Bank may deem fit. Select Credit Card
5) Tamil 6) Bengali 7) Marathi 8) Gujarati
variants have a complimentary insurance cover
on the Card. The policy coverage starts from 9) Punjabi 10) Oriya 11) Assamese 12) Urdu
the date of the Credit Card set up. For more 13) Sindhi.
information and terms & conditions, please refer
to the usage guide.

PHONEBANKING NUMBERS
Ahmedabad : 079 61606161 Delhi & NCR : 011 61606161 Lucknow : 0522 6160616
Bangalore : 080 61606161 Hyderabad : 040 61606161 Mumbai : 022 61606161
Chandigarh : 0172 6160616 Indore : 0731 6160616 Pune : 020 61606161
Chennai : 044 61606161 Jaipur : 0141 6160616 All other cities: 1860 267 6161
Cochin : 0484 6160616 Kolkata : 033 61606161
Toll Free No only for the following Locations : Agra / Ajmer / Allahabad / Bareily / Bhubaneshwar / Bokaro
/ Cuttack / Dhanbad / Dehradun / Erode / Guwahati / Hissar / Jammu & Srinagar / Jamshedpur / Jhansi /
Jodhpur / Karnal / Kanpur / Madurai / Mangalore / Mathura / Meerut / Moradabad / Muzaffarpur / Mysore
/ Pali / Patiala / Rajkot / Ranchi / Rourkela / Salem / Shimla / Siliguri / Silvassa / Surat / Trichy / Udaipur /
Varanasi 1800 266 4332

If you don’t wish to be called about our products and services, kindly logon of our website: [Link].
com and register your self in our Don’t call Registration option. Card account levied with late payment
charges in the latest generated statement will be exempted from the cash processing fee