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Features & Benefits c

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Fees & Charges

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The best features you could ask for in a credit card.

Combined with all the services offered by a world-class bank.
Get all with the HDFC Bank International Silver Credit Cards.

Spending money was never so rewarding!

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Features & Benefits

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All-purpose credit card

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The HDFC Bank Silver Credit Card can be used for all your requirements, be it shopping, eating out,
holidaying, fuelling up your vehicle, railway ticket reservations - just about any financial requirement,
planned or on impulse.
÷arn while you spendÔ
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With us, money spent is money earned. For every Rs. 200 you spend, you earn 1 reward point. You can
redeem these accumulated points for exciting gifts and offers from our exclusive rewards program.
Add-on cards
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Get up to 3 add-on cards for your spouse, parents, siblings (own brother/sister), son and/or daughter (over
18 years) and allow them to enjoy the many benefits of the HDFC Bank International Silver Credit Card
ÿero liability on lost card
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If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you
carry zero liability on any fraudulent transactions on your card.
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ëidely accepted
Accepted at over 110,000 merchant establishments across India and Nepal and close to 18 million merchant
establishments around the world.
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Features & Benefits c

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Fees & Charges

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It's power packed with a host of unmatched features that provides your family with true Value and savings.
No wonder we call it the V

 Credit Card.

Like the name suggests, the Value Plus Credit Card brings you added value unlike any other card. It is a
Guaranteed Cash Back card which enables you to earn up to 5% Cash Back on your spends.

Features & Benefits

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Value Plus Cashback- Anytime Anywhere

Use your Value Plus Credit Card anywhere anytime during the year and avail up to 5% cashback on retail
spends.

Category Cashback *

Railway, Hospitals, Medical stores 5%

Grocery, Dept Stores, Supermarket, Restaurants 1.50%

ÔThe cashback will be credited to your card account in subsequent statement subject to the condition that the total amount
due in the current statement is Rs 10000 or above. The change is effective from 15th Jan 2009.

Please click here for detailed terms and conditions.

ëorldwide acceptance
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The HDFC Bank International Value Plus Credit Card is accepted at over 23 million Merchant
Establishments around the world, including 110,000 Merchant Establishments in India.
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Cash Advance
Just step into any one of our ATMs or VISA Member ATMs and withdraw cash up to 10% of your credit limit
at a very nominal charge (Please refer to the Schedule of charges).
evolving credit facility
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This feature allows you to pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of
your total bill amount or any higher amount whichever is convenient for you. You can then carry forward the
balance to a better financial month, for which you pay a charge of 3.25% per month.
nterest Free Credit Period
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Your Card now gets an Interest Free Credit Period of up to 50 days from the date of purchase (subject to the
submission of the charge by the Merchant). Subsequently, if you carry forward your outstanding balance you
just pay a nominal interest of 3.25% per month.
ÿero liability on lost card
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If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you
carry zero liability on any fraudulent transactions on your card.
Please click here for some FAQs about the HDFC Bank Value Plus Credit Card.
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 Features & Benefits c
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Eligibility
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Fees & Charges

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Apply Online
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Quick Apply
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Internationally valid with attractive eward Points.

Get an HDFC Bank International Gold Card and get introduced to a whole new world of privileges.

jold Credit Card Features & Benefits

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Attractive eward Points

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Your HDFC Bank Gold Credit Card is now 50% more rewarding!

With effect from 1st July 2010, earn 1 Reward Point for every Rs.150 for spends up to Rs. 10,000 per
statement cycle. For incremental spends above Rs. 10,000 in a statement cycle, earn 50% more Reward
Points i.e. 1.5 Reward Points per Rs. 150.
ewards points redemption
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After earning all those reward points on your HDFC Bank Gold Credit Card, redeem them for exciting gifts
and services! You could even convert them to airline miles with India's leading airlines through the
MyRewards programme.
ëorldwide acceptance
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Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant
Establishments in India.
evolving credit facility
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Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or
any higher amount whichever is convenient and carry forward the balance to a better financial month. For
this facility you pay a nominal charge of just 3.25% per month (39.0% annually).
Free Add-on card
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You can share these wonderful features with your loved ones too - we offer the facility of an add-on card for
your spouse, children or parents. Allow us to offer add-on cards to you FREE OF COST with our
compliments.
Interest free credit facility
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Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the
charge by the Merchant).
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ÿero liability on lost card

If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you
carry zero liability on any fraudulent transactions on your card.
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 Features & Benefits c
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Apply Online
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Quick Apply
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Convenience and savings with fuel surcharge waiver across all fuel stations.

Features & Benefits

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Titanium ewards
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The unique reward points structure gives you 2 Reward Points for every Rs.150 on your domestic spends
and 5 Reward Points for every Rs.150 on your international spends.

With effect from 1st July 2010, earn 2 Reward Points for every Rs.150 for spends up to Rs. 15,000 per
statement cycle. For incremental spends above Rs. 15,000 in a statement cycle, earn 50% more Reward
Points i.e. 3 Reward Points per Rs. 150.

Please note that the accelerated Reward Points on International spends (5 Reward Points per Rs. 150) is
valid only till 31st August 2010
ÿero petrol surcharge
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Earn while you spend on your fuel !!! As a HDFC Bank Titanium Card customer, you enjoy not only a full
waiver of the fuel surchargeÔÔ that would be normally applicable otherwise, you also get the benefit of
earning reward points on these spends !!
ÿero liability on lost card
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If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you
carry zero liability on any fraudulent transactions on your card.
Interest free credit facility
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Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the
charge by the Merchant).
evolving Credit Facility
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You can enjoy the Revolving Credit Facility of the Titanium Credit Card at an interest rate of 3.15% per
month.

Features & Benefits c

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Fees & Charges

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Apply Online
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Quick Apply
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 India¶s only µPlatinum Plus¶ credit card. A premium offering with fuel surcharge waiver & attractive Reward Points

Features & Benefits

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Attractive eward Points

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Your HDFC Bank Platinum Plus Credit Card is now 100% more rewarding!

With effect from 1st July 2010, earn 2 Reward Points for every Rs.150 for spends up to Rs. 20,000 per
statement cycle. For incremental spends above Rs. 20,000 in a statement cycle, earn 100% more Reward
Points i.e. 4 Reward Points per Rs. 150.
0 Fuel surcharge
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You can now fuel up as and when you want, without worrying about the surcharge - enjoy complete
freedom from fuel surcharge when you purchase fuel between Rs 400 and Rs 5000 with your Platinum
Plus Credit Card.
ÿero liability on lost card
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If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss,
you carry zero liability on any fraudulent transactions on your card.
Interest free credit facility
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Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the
charge by the Merchant).
evolving Credit Facility
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You can enjoy the Revolving Credit Facility of the Platinum Plus Credit Card at an interest rate of 3.15%
per month.
Free Add-on card
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You can share these wonderful features with your loved ones too. We offer upto 3 life time free add-on
cards to your spouse, children (above 18 years of age), parents, brother or sister.
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wtility bills through your credit card

Register your Platinum Plus Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Ensure
that all your utility bills are paid on time, without any hassle for you.
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Features & Benefits c

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Fees & Charges

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It's power packed with a host of unmatched features that provides your family with true Value and savings.
No wonder we call it the V

 Credit Card.

Like the name suggests, the Value Plus Credit Card brings you added value unlike any other card. It is a
Guaranteed Cash Back card which enables you to earn up to 5% Cash Back on your spends.

Features & Benefits

c

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 c

Value Plus Cashback- Anytime Anywhere

Use your Value Plus Credit Card anywhere anytime during the year and avail up to 5% cashback on retail
spends.

Category Cashback *

Railway, Hospitals, Medical stores 5%

Grocery, Dept Stores, Supermarket, Restaurants 1.50%

ÔThe cashback will be credited to your card account in subsequent statement subject to the condition that the total amount
due in the current statement is Rs 10000 or above. The change is effective from 15th Jan 2009.

Please click here for detailed terms and conditions.

ëorldwide acceptance
c

The HDFC Bank International Value Plus Credit Card is accepted at over 23 million Merchant
Establishments around the world, including 110,000 Merchant Establishments in India.
Cash Advance
c

Just step into any one of our ATMs or VISA Member ATMs and withdraw cash up to 10% of your credit limit
at a very nominal charge (Please refer to the Schedule of charges).
evolving credit facility
c

This feature allows you to pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of
your total bill amount or any higher amount whichever is convenient for you. You can then carry forward the
balance to a better financial month, for which you pay a charge of 3.25% per month.
c

Interest Free Credit Period

Your Card now gets an Interest Free Credit Period of up to 50 days from the date of purchase (subject to the
submission of the charge by the Merchant). Subsequently, if you carry forward your outstanding balance you
just pay a nominal interest of 3.25% per month.
ÿero liability on lost card
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If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you
carry zero liability on any fraudulent transactions on your card.
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Features & Benefits c

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A super premium credit card with special benefits & privileges in India & abroad.

Features & Benefits

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Signature Access
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 Don't let airport transfers wear you out. HDFC Bank Visa Signature Credit card entitles you a Priority pass
that provides you access to exclusive airport lounges across the world. Priority Pass is the world's largest
independent airport lounge program, which gives the cardholder access to more than 500 airport lounges in
more than 275 cities worldwide.
Priority Pass is Priced at Rs. 500/annum.
Please click here for more details.
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Signature ewards

What does one reward a connoisseur for? We reward them for their passion, refinement, taste and
experience. The rewards range from exotic to interesting to measurable. All yours with a powerful Rewards
Program. Earn 2 Reward Points for every Rs.150 spent on your card and double Reward Points (2 extra
points) for every Rs. 150 spent above Rs. 15,000 per statement cycleÔ. Experience the power of the HDFC
Bank Visa Signature Credit Card. Experience the delights.

ÔDouble Reward Points on incremental spends above Rs. 15,000 per statement cycle is valid only till 31st
Augsut 2010.

From 1st September 2010, earn 200% more Reward Points (6 Reward Points per Rs. 150) on incremental
spends above Rs. 35,000 per statement cycle.
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Signature Benefits
Superiority of HDFC Bank Visa Signature Credit Card is evident even in everyday use.You also enjoy an
interest free period upto 50 days, the lowest interest rate of 3.05% on revolving credit facility (36.6%
annually)# and petrol surcharge waiver of 2.5% across all petrol pumps in the country. Enjoy the world at
your fingertips.
ÿero liability on lost card
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If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you
carry zero liability on any fraudulent transactions on your card.
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Features & Benefits c

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Fees & Charges

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Offers
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Apply Now
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It's Not just a card, It's a designation

÷
perience the power of HDFC Bank Corporate Platinum Card

HDFC Bank Corporate Platinum Card is a premium offering to provide you with truly world beating features on
your credit card. It comes with a unique 24x7 expense management solution tool powered by MasterCard Smart
Data On-line or Visa Intelilink Solutions.

Corporate Features *
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24x7 online MIS availablity.

60 MIS reports for better informed business decisions.
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 y Spending Analysis by category
y Expense reports
y Cost allocation details & summary
y Merchant summary & details
y Account management for detailed transaction information at employee level.

Substantial savings for the business through better negotiations with airlines, hotel chains and other service
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providers.
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Streamlines accounting procedures by consolidating transaction data from around the world.
Helps in integrating with the existing accounting systems.
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Helps in minimising paperwork and simplifying reconciliation and compliance tasks.

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Cardholder Benefits
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My rewards
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Earn upto 2 reward points for every Rs.150 spent on the card.
Earn upto 4 reward points for every Rs.150 spent on international transactions
Petrol Surcharge ëaiver
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Offering 0% surcharge on petrol spends across all petrol pumps for transactions between Rs. 400 to
Rs.5000 only.
evolving Credit Facility
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Upto 50 days interest free period on your card.

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Protection Through Insurance

To show how much we care, we have provided accident insurance cover upto 10 lacs on air travel and 3
lacs on rail/road travel.
Click here for more details
Privileges
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Access to Clipper Lounges across India provided by MasterCard

a. International Airports :

y Mumbai Clipper lounge - Terminal 2B

y Kolkata Clipper lounge
y Chennai Clipper lounge
y Bangalore Executive business class lounge

b. Domestic Airports :

y Mumbai - Clipper lounge at 1B ( first floor )

y Mumbai - Clipper Bar & Restaurant at Terminal 1A ( mezzanine floor )
y Kolkata - Top desk restaurant and bar
y Kolkata - Clipper lounge located in the departure area of the Domestic terminal
y Cochin - Clipper restaurant and bar

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 Features & Benefits c
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Fees & Charges

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Offers
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Apply Now
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HDFC Bank Corporate card is the first among few to provide you with truly world beating features on your credit
card. It comes with a unique 24x7 expense management solution, powered by MasterCard Smart Data On-line
or Visa Intelilink Solutions.

We present you the true potential of a corporate card, we present to you HDFC Bank Corporate card.

Corporate Benefits*
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24x7 online MIS availablity.

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60 MIS reports for better informed business decisions.

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y Spending Analysis by category

y Expense reports
y Cost allocation details & summary
y Merchant summary & details
y Account management for detailed transaction information at employee level.

Substantial savings for the business through better negotiations with airlines, hotel chains and other service
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providers.
Streamlines accounting procedures by consolidating transaction data from around the world.
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Helps in integrating with the exisiting accounting systems.

Helps in minimising paperwork and simplifying reconciliation and compliance tasks.
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Cardholder Benefits
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My rewards
Earn upto 1 reward points for every Rs.150 spent on the card. Points earned can be redeemed for exciting
gifts and Air miles.
Earn upto 2 reward points for every Rs.150 spent on international transactions.
Petrol Surcharge ëaiver
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Offering 0% surcharge on petrol spends across all petrol pumps for transactions between Rs. 400 to
Rs.2500 only
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evolving Credit Facility

Upto 50 days interest free period on your card along with interest rates of 3.25 % per month.
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Protection Through Insurance

To show how much we care, we have provided accident insurance cover upto 10 lacs on air travel and 3
lacs on rail/road travel.
Click here for more details
Privileges
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Access to Clipper Lounges across India provided by MasterCard

a. International Airports :
 y Mumbai Clipper lounge - Terminal 2B
y Kolkata Clipper lounge
y Chennai Clipper lounge
y Bangalore Executive business class lounge

b. Domestic Airports :
y Mumbai - Clipper lounge at 1B ( first floor )
y Mumbai - Clipper Bar & Restaurant at Terminal 1A ( mezzanine floor )
y Kolkata - Top desk restaurant and bar
y Kolkata - Clipper lounge located in the departure area of the Domestic terminal
y Cochin - Clipper restaurant and bar
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Features & Benefits c

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Offers
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Offers from Visa

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Apply Now
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It Makes Perfect Business Sense -The HDFC Bank International Business Platinum card.

The HDFC Bank Business Platinum Card is a premium Business Card that helps you SAVE on your Business
expenses, while keeping in mind your affluent lifestyle.

To know more about the features, services and how you can benefit from the HDFC Bank Business Platinum
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Card, read on.

Features of Business Platinum Card

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Clipper Lounge Access

Get access to Airport lounges at various Airports in India with your MasterCard Business Platinum credit
card - a unique offer from MasterCard.Please Click here for details.
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Higher Credit limit

Get up to Rs.20 lacs as credit limit on the card basis the company / business financials.
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Attractive Business Savings

Save on your business related spends with our unique features and extensive partner tie-ups. These smart
features include

X G Cashback on Air spends *

Now buy air tickets through domestic airline websites and enjoy 1% cash back
X G Cashback on wtility Bill Payments *
Enjoy 1% cashback on utility bill payments (e.g. Electricity, Phone, Mobile etc.)
X Petro Surcharge ëaiver
 Drive the extra mile with the Business Platinum Card. Enjoy full waiver of the fuel surcharge across all fuel
pumps in India (for transactions between Rs.400 ± Rs.5000).
X Surcharge waiver on ail tickets *
Enjoy surcharge waiver on Rail ticket bookings done through www.irctc.co.in

Business Savings Indicator **

HDFC Bank Business Business

Spend category ÷stimated Annual ÷
penses
Card Offer Savings s.

Air ticket Rs.50,000 1% Cashback Ô 500

(10 Air tickets @ Rs.5000
per ticket )

Utility Bill Payments Rs.2,40,000 1% Cashback Ô 2,400

(e.g. Electricity Bill,
Telephone Bill etc.)

Rail ticket booked Rs.10,000 Surcharge waiver Ô 180

through (10 Rail tickets @ Rs.1000
www.irctc.co.in per ticket.)

Petrol Rs.60,000 Surcharge waiver 1,500

Total Rs. 3,60,000 Rs.4,580

Ôsubject to minimum statement balance of Rs.7500/- and would get credited in the next statement.

ÔÔ The above indicator is based on hypothetical expense estimates.

evolving credit facility

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Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or
any higher amount whichever is convenient and carry forward the balance to a better financial month. For
this facility you pay a nominal charge of just 3.15% per month (37.8% annually).
Interest free credit facility
c

Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the
charge by the Merchant).
ëorldwide acceptance
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Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant
Establishments in India.
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Cash at your fingertips

In a situation where you need cash, just step into any one of our ATMs or MasterCard Member ATMs and
withdraw cash upto 30% of your credit limit at a very nominal charge.
c

ÿero liability on lost card

If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you
carry zero liability on any fraudulent transactions on your card.
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 Features & Benefits c
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Offers
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Apply Now
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It makes Perfect Business Sense -The HDFC Bank International Business jold card

Welcome to the world of exclusive privileges and world class services. The HDFC Bank International Business
Gold Card is designed to add value to your business, while keeping in mind the conveniences and lifestyle
benefits for BUSINESS OWNERS and the SELF EMPLOYED community specifically.

To know more about the features, services and how you can benefit from the HDFC Bank Business Gold Card,
read on.

Features of Business jold Card

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Higher Credit limit

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Get up to Rs.10 lacs as credit limit on the card basis the company / business financials.
Attractive Business Savings
c

Save on your business related spends with our unique features and extensive partner tie-ups. These smart
features include

X G Cashback on Air spends *

Now buy domestic air tickets through domestic airline websites and enjoy 1% cashback
X G Cashback on wtility Bill Payments *
Enjoy 1% cashback on utility bill payments (e.g. Electricity, Phone, Mobile etc.)
X Petro Surcharge ëaiver
Drive the extra mile with the Business Gold Card. Enjoy full waiver of the fuel surcharge across all fuel
pumps.
X Surcharge waiver on ail tickets *
Enjoy surcharge waiver on Rail ticket bookings done through www.irctc.co.in
X Business Savings Indicator **

HDFC Bank Business Business

Spend category ÷stimated Annual ÷
penses
jold Card Offer Savings s.

Air ticket 6 Air tickets @ Rs.5000 per 1% Cashback Ô 300

ticket (Total Rs.30000)

Utility Bill Payments Rs.40000 1% Cashback Ô 400

(e.g. Electricity Bill,
Telephone Bill etc.)

Rail ticket booked 6 Rail tickets @ Rs.1000 Surcharge waiver Ô 108

through per ticket (Total Rs.6000)
www.irctc.co.in

Petrol Rs.48000 Surcharge waiver 1200

Total Rs. 124000 Rs.2008

 Ôsubject to minimum statement balance of Rs.7500/- and would get credited in the next statement.

ÔÔ The above indicator is based on hypothetical expense estimates.

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evolving credit facility

Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or
any higher amount whichever is convenient and carry forward the balance to a better financial month. For
this facility you pay a nominal charge of just 3.25% per month (39.0% annually).
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Interest free credit facility

Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the
charge by the Merchant).
ëorldwide acceptance
c

Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant
Establishments in India.
Cash at your fingertips
c

In a situation where you need cash, just step into any one of our ATMs or MasterCard Member ATMs and
withdraw cash upto 20% of your credit limit at a very nominal charge.
c

ÿero liability on lost card

If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you
carry zero liability on any fraudulent transactions on your card.
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Features & Benefits c

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Eligibility
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Fees & Charges

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The HDFC Bank Purchase Card is a credit card solution given to corporates by HDFC Bank to facilitate quick
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payments for business expenses for corporates and their employees. It helps the corporate manage business
expenses and makes purchase transactions smoother by eliminating the hassles of cash and cheque payments.
It can be used only for official business expense purposes and records all purchase transactions made by
employees.

The HDFC Bank Corporate Purchasing Solution helps reduce purchasing costs considerably as follows:

Eliminates the delay and cost of traditional purchase transactions.

Enables effective control to track and manage spending.
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Automates purchase process for easy account management.

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*ey Features
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Authority is granted by the bank to designated employees of corporates for official purchases through the
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card.
Customizable product - The Purchase card can be restricted at
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 X The Merchant Category Code (MCC) level
X The HDFC Bank's EDC terminal / Payment Gateway level

The Purchase card can be issued in the name of an Individual / Corporate.

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Business Benefits
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Reduces transaction processing time, cost of high volume and low value transactions for the Corporate.
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Streamlines the payment process and enables account management control.

Reduces the cost of goods by consolidating the supplier base and negotiating more favorable pricing from
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preferred suppliers.
Minimizes risks associated with fraud, forgery and theft through a secure, totally mechanized card
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programme.
Provides online expense management solutions - minimizing paperwork and simplifying reconciliation
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Features & Benefits c

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The Distributor card is a credit card given by HDFC Bank to corporates to give to specific distributors to facilitate
easy and convenient payments to the corporate. It eliminates the use of cheques and cash and speeds up the
turnaround time of transactions. It helps corporates receive their payment quickly and offers distributors the
c chance to receive their goods without delay.

Distributor Card Benefits

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Benefits to Corporate

X Increases distributor's appetite for the Corporate's products.

X Shorter working capital cycle and improved cash flow management
X Removal of cheque and cash payments and consequent problems for Corporates
X Easy reconciliation of transactions
X Helps quick delivery of goods or services

Benefits to Distributor

X Increases distributor's appetite for goods owing to easy payment option

 X Attractive finance charges and interest free credit periods.
X Flexibility of scheduling payments: part payment, pre-payment and post-payments possible.
X Reduces operational hassles in processing and reconciling transactions.
X Reduces time for procurement of goods