HDFC Bank Credit Card Against FD

EMI spend earning

Reward Points/CashPoints accrued will be reversed if a retail transaction is converted into SmartEMI.

Government spend earning

Government related transactions will not earn Reward Points/CashPoints.

Rent earning

Rent payments will not earn Reward Points/CashPoints on all the cards.

Wallet load earning

E-wallet loading transaction will not accrue Reward Points.

Reward exclusions

Online Skill-Based gaming transactions will not earn Reward Points/CashPoints on all the cards.

Voucher and product redemption

Earn Reward Points/CashBack on eligible transactions and redeem them for vouchers, airmiles or statement credit.

Point expiry

Reward Points/CashPoints are valid only for 2 years from the date of accumulation

Surcharge on railway tickets

1% of the transaction amount + GST will be charged on Railway Ticket Purchases

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Turn your online and in-store Credit Card purchases into easy EMIs.

Forex markup

3.5% on foreign currency transactions.3.5% cross currency mark-up

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit from the date of withdrawal until the date of full payment

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

Same revolving rate as the respective card variant.

Interest-free period

The interest free credit period could range from 20 to 50 days

Late payment fee

₹100 or less: 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 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: 2.5% or ₹500 whichever is higher.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

GST applicable on all Fees, Interest, and other Charges

Grace days after the due date

You can use the Credit Card for purchases and pay it off within a specified period without incurring interest

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Age the primary cardholder must be

Between 18 to 75 years of age.

Eligibility

Credit Cards will not be issued if the FD amount is less than ₹15,000, tenure is less than 1 year, or PAN is not updated/inoperative; Tax Saver, NRI, Minors, Existing Lien Marked, Sweep-in and Non-Withdrawal FDs are not applicable

Income requirement

You can get a Credit Card against FD without providing income proof.

Documents required

Identity proof, address proof, and details of the Fixed Deposit.

Residency

Indian citizen residing in India with a valid residential address.