Know the various types of HDFC Bank Credit Card charges to avoid unexpected financial obligations later.
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 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) |
₹1,000 |
|
₹500 |
|
Marriott Bonvoy HDFC Bank Credit Card |
₹3,000 |
Swiggy HDFC Bank Credit Card |
₹500 |
₹2,500 |
|
HDFC Bank MoneyBack+ Credit Card |
₹500 |
₹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.
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.
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.
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.
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.
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.
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 |
|
About Credit Cards Services
- Apply for Credit Card
- Best Fuel Credit Card
- Business Credit Card
- Credit Card Settlement
- Corporate Credit Card
- Credit Card against Fixed Deposit
- Credit Card Documents
- Credit Card Eligibility Criteria
- Credit Card EMI
- Features & Benefits of Credit Card
- Interest Rate on Credit Card
- International Credit Card
- Credit Card Limit
- Credit Card Lounge Access
- Credit Card Netbanking
- Credit Card Bill
- Credit Card Pin Generation
- Credit Card Reward
- Shopping Credit Card
- Check Credit Card Statement
- Types of Credit Card
- Credit Card Billing Cycle
- Credit Card Meaning
- Best Credit Card In India
Credit Cards Partners at Bajaj Markets
Other Bank Credit Card Fees & Charges
- RBL Bank Credit Card Fees and Charges
- Axis Bank Credit Card Fees and Charges
- SBI Credit Card Charges and Fees
- South Indian Bank Credit Card Charges and Fees
- ICICI Bank Credit Card Charges and Fees
- PNB Bank Credit Card Fees and Charges
- Canara Bank Credit Card Fees and Charges
- Yes Bank Credit Card Fees and Charges
- DBS Bank Credit Card Charges and Fees
- AU Bank Credit Card Charges and Fees
- Union Bank Credit Card Charges and Fees
- Indian Bank Credit Card Charges and Fees
- Bank of Baroda Credit Card Charges and Fees
- Amex Credit Card Charges and Fees
- Kotak Mahindra Bank Credit Card Charges and Fees
- IDFC Bank Credit Card Charges and Fees
Frequently Asked Questions
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.
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