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Friday, December 11, 2015

HDFC Bank Credit Card

 

HDFC Bank Credit Card

HDFC Bank Credit Card

HDFC is one of the major credit card issuers in India and has more than 3.5 million cards out of the nearly 28 million credit cards issued in the country, accounting for 15 to 20 per cent of the market share.

HDFC Bank also offers a Visa Signature credit card to its high-end customers which has a credit limit of Rs three lakh and upwards. Visa Signature has been positioned above all other premium products offered in the market and would be offered only by invitation. HDFC Bank credit card members will get special offers on various HDFC Bank products including auto loans, loan against shares, demat and foreign exchange services, besides exclusive privileges from a wide array of global partners. The most popular HDFC Bank credit cards include its Silver Credit Card, Gold Card and its limited edition Titanium Credit Card. HDFC Bank also offers specialised cards like Health Plus Credit Card (special benefit card) and Woman Gold's Card (premium card).

Features

Card NameHDFC- Silver CardHDFC-Gold CardHDFC-Platinum Plus Card
NetworkMaster CardVisaVisa / Master Card
Joining Fee (in rupees)3005001000
Annual Fee (in rupees)7002000NA
Add On Card - Issue FeeFreeFreeFree
Interest Rate -on revolving Credit41.75%p.a41.75%p.a36.86%p.a
Interest Rate -on Cash Withdrawal41.75%p.a41.75%p.a36.86%p.a
Interest Rate - on Balance Transfer1.5% of BT amount or (Rs 150/-) whichever is higher1.5% of BT amount or (Rs 150/-) whichever is higher1.5% of BT amount or (Rs 150/-) whichever is higher
Reward pointsEarn 2 reward points per Rs 150 spent on the Silver Credit CardEarn 2 reward points per Rs 150 spent on the Silver Credit CardEarn 2 reward points per Rs 150 spent on the Silver Credit Card
Surcharge on Fuel2.5% (subject to a min of Rs 10)2.5% (subject to a min of Rs 10)NIL
Cash Withdrawal Fee2.5% of amount withdrawn or Rs 300 whichever is higher2.5% of amount withdrawn or Rs 300 whichever is higher2.5% of amount withdrawn or Rs 300 whichever is higher
Late Payment ChargesRs 350 for credit card bills upto Rs 10000, Rs 500 for credit card bills between Rs 10000 and Rs 20000, Rs 600 for credit card bills above Rs 20000Rs 350 for credit card bills upto Rs 10000, Rs 500 for credit card bills between Rs 10000 and Rs 20000, Rs 600 for credit card bills above Rs 20000Rs 350 for credit card bills upto Rs 10000, Rs 500 for credit card bills between Rs 10000 and Rs 20000, Rs 600 for credit card bills above Rs 20000
Late Payment FeeNANANA
Overlimit Charges2.5% of overlimit amount subject to a minimum of Rs 5002.5% of overlimit amount subject to a minimum of Rs 5002.5% of overlimit amount subject to a minimum of Rs 500
Maximum Credit Free PeriodUpto 50 daysUpto 50 daysUpto 55 days


Please add service tax @ 12.36% to all interest and charges

* For account holder

Best Tax Saver Mutual Funds or ELSS Mutual Funds for 2015

1. BNP Paribas Long Term Equity Fund

2. Axis Tax Saver Fund

3. IDFC Tax Advantage (ELSS) Fund

4. ICICI Prudential Long Term Equity Fund

5. Religare Tax Plan

6. Franklin India TaxShield

7. DSP BlackRock Tax Saver Fund

8. Birla Sun Life Tax Relief 96

9. Reliance Tax Saver (ELSS) Fund

10. HDFC TaxSaver

Invest Rs 1,50,000 and Save Tax under Section 80C. Get Good Returns by Investing in ELSS Mutual Funds Online

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