HDFC bank credit card ?? Charges, HDFC Crdit Card ?? Cash Advance Fees HDFC Interest Free Period

Fees and Charges Fees payable on the Credit Card by the Cardmember (Annual Fees / Renewal Fees) The fees may vary for each Cardmember, and from offer to offer. The same is communicated to the Cardmember at the time of applying for the credit card. The above fees as applicable are billed to the card account and are stated in the card statement of the month in which it is charged.

HDFC Crdit Card ?? Cash Advance Fees

The Cardmember can use the Card to access cash in an emergency from ATMs in India or abroad. A transaction fee of 2.5% (Minimum Rs.300) would be levied on the amount withdrawn and would be billed to the Cardmember in the next statement. The transaction fee is subject to change at the discretion of HDFC Bank. All cash advances also carry a finance charge equal to charges on revolving credit (please refer schedule of charges) from the date of withdrawal unti the date of full payment. The finance charge
is subject to change at the discretion of HDFC Bank

HDFC bank credit card ?? Charges

• Charges and fees, as may be applicable from time to time, are payable by Cardmembers for specific services provided by HDFC Bank to the Cardmember or for defaults committed by the Cardmember with reference to his card account.
• HDFC Bank retains the right to alter any charges 3 or fees from time to time or to introduce any new charges or fees, as it may deem appropriate with due intimation to customenr.

HDFC Interest Free Period

The interest free credit period could range from 20 to 50 days subject to the scheme applicable on the specific credit card (please refer to the Schedule of Charges) and the submission of claims by the merchant. However, this is not applicable if the previous month's balance has not been cleared in full or if the Cardmember has availed of cash from ATM. For instance, the HDFC Bank International Platinum Plus Card has an interest-free Credit Periond of up to 50 days. This means that a customer who has a billing date of 4th of the month can spend on his Card from 5th April to 4th May, his bill will be generated on 4th May and his Payment Due Date will be 24th May. Hence a purchase made on 14th April will have a credit period of 41 days, while a purchase made on 2nd May will have a credit period of 23 days. This period will be free of interest only if all previou dues are paid inful and there is no unpaid balance carried over from previous months.

Credit limit and cash withdrawal Limits

HDFC Bank at its sole discretion will determine the Cardmember's Credit limit and cash withdrawal limit. (Add-on Cardmembers share the same limit) These limits are communicated to the Cardmember at the time of card delivery and in the monthly statements. The available credit limit at the time of the statement generation is provided as a part of the monthly statement. HDFC Bank will review the Cardmember account periodically, may decrease the Cardmember credit lmit based on internal criteria. In such an instance the Bank will inform immediately including the reason thereof, by SMS /e-mail followed by confirmation in writing Cardmembers seeking to have their credit limit increased can do so by writing to the Bank and providing financial documents declaring their income. The Bank, at its sole discretion and based on such new documents provided, may increase the Credit Limit ofthe Cardmember. Finance Charges