Hdfc My Card App Download

The Marriott Bonvoy HDFC Bank credit card leverages the strengths of the two brands, offering consumers an unprecedented array of travel benefits, including Silver Elite Status with Marriott Bonvoy, that comes with benefits such as priority late checkout, exclusive member rates, Marriott Bonvoy bonus points and much more.

Thank you for registering with IndiGo. Your application for 6E Rewards IndiGo HDFC Bank Card has been successfully submitted to the bank for further processing. A bank representative will get in touch with you for processing of your application. In case mobile no. provided does not match with the registered mobile no. with HDFC Bank, the application will not be processed due to RBI advisory, which currently prohibits issuance of new credit card.

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Escape. Unplug. Restore. Enjoy a complimentary stay at ITC Hotels every time you travel with your HDFC Bank INFINIA Credit card - Terms & conditions applied ** With ITC Hotels indulge in Exquisite signature stay experiences.

The Regalia credit card from HDFC Bank comes with a host of lifestyle and travel rewards. With this credit card, make the most of its joining benefits, complimentary lounge access and more across categories such as travel, dining and shopping.

If you have misplaced/lost your card, simply call the HDFC Credit Card Customer Care division and notify them of the same. Your card will be blocked instantly. Alternatively, you can report a lost/stolen card through your NetBanking account.

HDFC Bank offers a variety of credit cards, catering to varying customer needs. You can find a card for shopping, travel, lifestyle, fuel,etc, as per your spending patterns and habits. However, to avail the benefits you have to pay certain fees & charges associated with HDFC Credit Cards. These credit card charges may be applicable as per usage, or as per the associated terms and conditions. Also, while some fees and charges may be same for all HDFC credit cards, others may vary from one card to another.

HDFC credit card interest rate is applicable, in case you do not pay the full outstanding amount by the due date. Also, called as finance charge, this fee is applicable in case of cash withdrawals, partial bill payment, carrying forward the outstanding amount in the next billing cycle, and missed payments. The interest rate for HDFC credit cards generally ranges from 23.88% to 43.2% per annum, and may vary from one credit card to another. The finance charges for some top HDFC credit cards are listed as follows:

The bank calculates the interest rate by considering things like transaction date, transaction amount, statement date, total amount due and more. Here is a detailed example of how interest rate is calculated on your HDFC credit card:

We will assume that the HDFC bank credit card interest rate is 3.50% p.m. or 42.00% p.a. Other assumptions are: Transaction Date: 1 Aug 2024, Transaction Amount: Rs. 10,000, Statement Date: 6 August 2024, Total Amount Due: Rs. 10,000, Amount Due Date: 26 August 2024, Minimum Amount Due: Rs. 500 (5% of total amount Rs. 10,000).

Now, if you fail to clear all the dues by the due date, that is, 26 August, then finance charges will come into effect. And in this scenario, you will also have to pay the late payment charges. However, if you pay Rs. 5,000 before the due date, say 21 August 2024 and does not make any other purchases on the credit card till the statement generation date, i.e., 6 September 2024. Then the interest levied will be:

HDFC credit card cash withdrawal charges are applicable when you withdraw cash from an ATM using your credit card. Unlike a finance charge, cash withdrawal charge is a one-time fee. Cash withdrawal or cash advance fee is charged as a percentage of the amount withdrawn.

Illustration: If you withdraw Rs. 5,000, the applicable fee will be Rs. 500, since 2.5% of Rs. 5,000 is Rs. 125. However, if you withdraw Rs. 25,000, the applicable cash withdrawal fee will be Rs. 625, and not Rs. 500.You can withdraw cash using your credit card, up to the available cash limit that, is usually 40% the total credit limit. For example, if the total credit limit on a card is Rs. 2 Lakh and the cash limit is 40%, the maximum amount the you can withdraw is Rs. 80,000.

Note: When you withdraw cash using your credit card, finance charges are also applicable along with the above mentioned charges. Thus, credit card cash withdrawal is one of the most expensive forms of credit available in the market. It is advisable to use this facility, only when absolutely necessary.

The annual or renewal fee on HDFC credit cards may vary from one credit card to another. The fee is lower for entry level cards, and higher for premium category cards. This fee is added to the credit card account on card issuance (as joining fee) and on completing the card anniversary year (as renewal or annual fee). The fee is applied once a year and reflects in the account statement, when charged. Most cards also come along annual fee waiver conditions, on spending the minimum spending value.

Forex markup fee or foreign transaction fee is applicable on international payments with a credit card. The fee is applicable on retail transactions outside India, online transactions in foreign currency, overseas ATM cash withdrawals, domestic transaction on POS linked to overseas account such as at Duty Free shops. This fee is charged by the bank, for converting denominations.

HDFC balance transfer charges are implied, when you transfer your outstanding credit card bill from other credit card to your new or existing HDFC credit card. The processing fee for balance transfer to HDFC credit cards is 1% of the Balance Transfer amount or Rs. 250, whichever is higher. The balance transfer interest rate is decided by the bank as per internal policies.

The overlimit fee on HDFC credit cards is charged if you spend more than the credit limit assigned to your credit card. The applicable over limit fee on HDFC cards is, 2.5% of the overlimit amount, subject to a minimum of Rs. 550. Note that, this fee is not applicable on HDFC Bank Infinia (metal addition). Additionally, the over limit facility is not offered on the Paytm HDFC Bank Digital Credit Card, thus the charges are not applicable.

What is the processing fee in HDFC credit card?

The processing for HDFC credit cards may vary, depending upon the credit facility availed. The processing fee for Insta Loan, Jumbo Loan and Smart EMI on your HDFC credit card is Rs. 999+GST. However, for balance transfer on EMI, the fee is 1% of loan amount or Rs. 250, whichever is higher.

Are finance charges applicable even if the minimum payment due on my HDFC Bank Credit card is cleared?

If you clear the minimum payment due on a credit card, you are exempted from paying the late payment fee. However, the interest charges will be applicable on the outstanding balance amount.

What is the HDFC credit card interest rate?

The interest rate for HDFC credit cards generally ranges from 23.88% to 43.2% per annum. It is applicable on your credit card purchases, when you carry forward any outstanding amount, withdraw cash or miss a payment. In such situations, credit card interest rate is calculated on a daily reducing balance method on the amount carried forward and to fresh transactions as well.

This premium credit card is ideal for people who travel by air, do online shopping (preferably via foreign websites as it has the lowest foreign currency markup) and like to dine out as the Dineout membership provides a 25% discount in partner restaurants. From time to time it comes up with good offers where one can earn 5X to 10X reward points.

This card facilitates travelers to book hotels and flights online. One can avail discounts of around 5% on Etihad Airlines and bonus points at the same time. It is noteworthy that subscribers get the InterMiles gold membership for the first year. One can make full use of it by taking that membership the year one has plans to travel frequently.

There are better facilities for the current account holders for the first year and from the second year it is the same for all. The card also provides the facility of POS reversal as well. This card is beneficial if the user has to pay bills costing more than INR 10,000.

The value of APR or the annual percentage rate is the interest rate one pays for borrowing money with the help of credit cards. This interest is applied on the total loan borrowed in a year and hence is called the annual percentage rate.

This interest rate can be charged if you have not paid the card bill every month. Lesser the APR, lesser interest you pay in case of any delay or default in the payment of bill or incase of borrowing.

Ordering on a sales call: You can also order a credit card on a sales call from the bank. They can take an order on the call, but it is advisable to ask them to come home for the KYC if you are not very tech savvy.

One can apply online through the HDFC website, which has a dedicated section for credit card applications. One can find the credit card of his choice, and apply for it by selecting apply. This will lead you to a page asking for some basic information like phone number, name, etc.

Every HDFC Branch has agents dealing with credit cards, one can visit any of these branches and with the KYC documents mentioned by us and apply for any credit card, after checking their eligibility. Your KYC will be done by the branch and after seven to twenty business days you will get the credit card by mail at your residential address.

Cash Advance Charges: These charges are levied when the users take out money with the help of their ATM card at the time of need. This amount will be 2.5% or INR 500 whichever is greater. This money can be played in the very next due date of your credit card bill. e24fc04721