HDFC Credit Card Charges - Annual Fees & Other Charges in 2024

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HDFC Bank Credit Card Charges

The HDFC Bank credit card fees refers to the charges that you need to pay when using the cards. These apply when you withdraw cash, transfer the balance, make late payments, and other such scenarios. Before finalising a card option, it is ideal to check the associated fees and charges.

HDFC Bank Credit Cards’ Annual Membership Fees

HDFC Bank charges an annual membership fee once a year to keep your card active. This fee can vary for different types of cards that the bank offers, depending on their benefits and features. In case of certain cards, this fee may be waived off if you meet a certain spending milestone.

Refer to the following table to know the renewal fees for various cards:

Credit Card Name	Renewal Membership Fees (Excluding Taxes)
HDFC Bank Millennia Credit Card	₹1,000
IndianOil HDFC Bank Credit Card	₹500
Marriott Bonvoy HDFC Bank Credit Card	₹3,000
Swiggy HDFC Bank Credit Card	₹500
HDFC Bank Regalia Gold Credit Card	₹2,500
HDFC Bank MoneyBack+ Credit Card	₹500
HDFC Bank Diners Club Premium Credit Card	₹2,500
HDFC Bank Pixel Go Credit Card	₹250
HDFC Bank Pixel Play Credit Card	₹500
HDFC Bank Freedom Credit Card	₹500
HDFC Bank Diners Club Black Metal Edition Credit Card	₹10,000
HDFC Bank INFINIA Metal Edition Credit Card	₹12,500
Tata Neu Infinity HDFC Bank Credit Card	₹1,499
Tata Neu Plus HDFC Bank Credit Card	₹499
IRCTC HDFC Bank Credit Card	₹500
Shoppers Stop HDFC Bank Credit Card	₹299
Shoppers Stop Black HDFC Bank Credit Card	₹4,500
Paytm HDFC Bank Credit Card	₹500
Paytm HDFC Bank Select Credit Card	₹1,000
Paytm HDFC Bank Mobile Credit Card	₹149
Paytm HDFC Bank Digital Credit Card	₹149
HDFC Bank Times Card Credit Platinum	₹1,000
HDFC Bank Times Card Credit	₹500
6E Rewards - IndiGo HDFC Bank Credit Card	₹500
6E Rewards XL- IndiGo HDFC Bank Credit Card	₹1,500
HDFC Bank H.O.G Diners Club Credit Card	₹10,000
HDFC Bank Harley-Davidson Diners Club Credit Card	₹2,500
HDFC Bank Easy EMI Card	₹500

Disclaimer: The joining or renewal fees mentioned above are subject to change at the discretion of the card issuer.

HDFC Bank Credit Cards’ Cash Withdrawal Charges

Cash withdrawal charges, also known as cash advance fees, are levied when you withdraw cash from ATMs using your credit card. Typically, these charges are a percentage of the amount you choose to withdraw.

Cash Advance Charges	2.5% or ₹500, whichever is higher, would be levied on the amount you withdraw

Note: The above-mentioned charges are applicable on all credit cards except Infinia and Infinia Metal Edition.

HDFC Bank Credit Cards’ Forex Charges

The HDFC Bank Credit Card forex charges, also known as foreign currency transaction fees, apply when you use your card to make transactions in a foreign country. These charges are a percentage of the transaction amount. Refer to the following table to know the forex charges:

Credit Card	Forex Charges
HDFC Bank Millennia Credit Card	3.50%
IndianOil HDFC Bank Credit Card	3.50%
Marriott Bonvoy HDFC Bank Credit Card	3.50%
Swiggy HDFC Bank Credit Card	3.50%
HDFC Bank Regalia Gold Credit Card	2%
HDFC Bank MoneyBack+ Credit Card	3.50%
HDFC Bank Diners Club Privilege Credit Card	3.50%

Disclaimer: The figures mentioned above are subject to change at the discretion of the card issuer.

HDFC Bank Credit Cards’ Balance Transfer

You need to pay this charge for using the balance transfer facility on your HDFC Bank credit card. It is a percentage of the total debt that you choose to transfer from the other card to your HDFC Bank credit card.

Balance Transfer Charges	1% of the balance transfer amount or ₹250, whichever is higher

Disclaimer: These charges can vary at the discretion of the bank.

HDFC Bank Credit Card Over-limit Charges

The bank offers a credit limit on your card based on your creditworthiness. Over-limit charges are levied by the bank if your card usage exceeds the credit limit granted on the card.

Over-Limit Charges	2.5% of the over-limit amount, subject to a minimum of ₹550

Note: The above-mentioned charges are applicable on all credit cards except the Paytm HDFC Bank Digital Credit Card.

HDCredit card late payment chargesFC Bank Credit Card Late Payment Charges

apply when you fail to pay at least the minimum amount due by the payment due date. The calculation of late payment charges is generally based on the amount due. Check the table below to know the charges:

Outstanding Balance	Late Payment Charges (Excluding GST)
Less than or equal to ₹100	NIL
₹101 to ₹500	₹100
₹501 to ₹1,000	₹500
₹1,001 to ₹5,000	₹600
₹5,001 to ₹10,000	₹750
₹10,001 to ₹25,000	₹900
₹25,001 to ₹50,000	₹1,100
More than ₹50,000	₹1,300

Disclaimer: The figures mentioned above are subject to change at the discretion of the card issuer.

Other Fees and Charges Associated with HDFC Bank Credit Cards

Apart from the above mentioned charges, HDFC Bank levies certain other fees for specified scenarios. These are stated below:

Types of Charge	General Range
Add-on Card Fee	NIL
Payment Return Charges	2% of the payment amount subject to a minimum of ₹450
Cash Processing Fee	₹100
Rewards Redemption Fee	₹99 per redemption request
Reissue of Lost, Stolen, or Damaged Card	₹100
Outstation Cheque Processing Charge	For cheque value up to ₹5,000: ₹25 For cheque value above ₹5,000: ₹50

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, trade names, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Other Bank Credit Card Fees & Charges

Are there any charges for an HDFC Bank credit card?

Yes, HDFC Bank levies various types of charges, such as renewal charges, late payment fees, forex fees, etc., based on the card you choose. Check the charges beforehand before you select a card.

What are the different fees and charges on HDFC Bank credit cards?

The HDFC Bank credit card charges and fees vary from one card to another. Some of these charges include renewal membership fees, cash withdrawal charges, late payment charges, etc.

What is the railway ticket purchase fee for HDFC Bank credit cards?

A fee of 1% of the transaction amount + GST is applicable on railway ticket purchases. For the IRCTC HDFC Bank Credit Card, this fee will be waived off as a charge reversal benefit.

What is the interest-free or grace period for HDFC Bank credit cards?

The interest-free credit period ranges from 20 to 50 days. It is subject to the type of credit card you select.

How is the interest calculated on HDFC Bank credit cards?

The interest applicable on your HDFC Bank credit card can be calculated using this formula:

(Outstanding amount x 3.75% per month (i.e., 45% per annum) x No of days) / 365

What are the cashback redemption charges for HDFC Bank Credit Cards?

HDFC Bank levies a charge of ₹50 per cashback redemption. Note that this charge is not applicable to some types of credit cards that HDFC Bank offers.