HDFC Bank Visa Signature Credit Card

HDFC Visa Signature Credit Card
HDFC Visa Signature Credit Card

Card Details

Get fuel surcharge waiver of maximum ₹250 per statement cycle, on purchase between ₹400 and ₹5000.

Earn 2 Reward Points for each ₹150 spent on every retail purchase.

Spend ₹15,000 within first 90 days and get the 1st year fee reversed.

Spend ₹75,000 within a year and get next year’s annual fee reversed.

Save up to ₹8,300 every year on airport lounge access and fuel transactions.

Enjoy complimentary lounge access at airport in India or overseas.

Zero Lost Card liability post reporting of the loss of card

Avail up to 3 Add-on cards with zero fee.

Enjoy redemption of Reward Points against air miles when you travel with Jet Airways, Kingfisher Airlines and Air India. Also, redeem your Reward Points against Air Vouchers of other leading domestic airlines at the applicable redemption rate.

Pros

  • Zero Lost Card Liability
  • Reward Points Valid for 2 Years.
  • Annual Fee Waiver
  • Avail Loan on Your Credit Card

Cons

  • No reward point for transactions less than ₹150.
  • No reward points on fuel transactions.
  • Charge of ₹75 per reward redemption request.
  • No less than 500 points can be redeemed.

Fee Details

Annual Fee: 

First Year Fee:

Add-on Card Fee: Upto 3 Cards lifetime fee

Grace Period: 20-50 days

Charges of Revolving Credit: 3.49% (41.88% p.a.). Maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.

Cash Advance Fee: 2.5% or minimum ₹300 on each transactions

Late Payment Charges: Nil for less than ₹100; ₹100 for ₹100 to ₹500; ₹400 for ₹501 to ₹5000; ₹500 for ₹5001 to ₹10,000; ₹700 for ₹1,001 and above

Overlimit Charges: 2.5% of the overlimit amount, subject to min of ₹500

Min Repayment Amount: 5% of Total Outstanding, subject to min ₹200

Cash Advance Limit: 4% of the credit limit

Cash Processing Fee: ₹100

Reward Redemption Fee: ₹75 per redemption request

Balance Transfer Processing fee: 2% of transfer amount, subject to minimum of ₹250

Convenience fee on fuel purchase: 1%

Card Replacement fee: ₹100

Foreign Currency Transactions: 3.5% of conversion mark-up fee

Reward Programme

2 Reward Points on every ₹150 spent. Only retail purchases qualify for Reward Points. Cash advance, fees and other charges do not accrue any reward points.

50% more rewards points on dining and grocery. (only on those transactions which are classified under the ‘Restaurant’ Merchant Category Code (MCC) as defined by VISA/ MasterCard. Merchant Category Code (MCC) classified under ‘Hotel’ categories will not qualify for 50% more Reward Points.)

Reward rate: Rs. 0.40 per Rs. 100 spend

Intro Offer

  • Spend ₹15,000 within first 90 days and get the 1st year fee reversed.

Bonus Offers

  • Spend ₹75,000 within a year and get next year’s annual fee reversed.

Benefits of Global Value Program

500 Bonus Reward Points of worth ₹130 on 1st International transaction. This feature is available once in a year.

1% Cashback on all International transactions (upto ₹1,000/- per statement cycle).

Get ₹2,000/- with ClearTrip voucher once you accumulate International spends of ₹1,50,000/- in a year. This feature is available once in a year.

Annual / Renewal Fee – ₹199

Eligibility

Age (Salaried): 21 years to 60 years

Age (Self Employed): 21 years to 65 years

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