HDFC Bank VISA Signature Credit Card
HDFC Bank
Annual / renewal fee
Confirm on the official page
Official source not yet captured
Earn rate
- Reward Points are earned on transaction amounts in multiples of ₹150.
- Residual amounts or transactions below ₹150 will not earn Reward Points.
Verifiedharvested from product page3 Aug 2026, 5:40 PM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at canarabank.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at canarabank.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
VISA Signature Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
Confirm on the official page
Official source not yet captured
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
- Reward Points are earned on transaction amounts in multiples of ₹150.
- Residual amounts or transactions below ₹150 will not earn Reward Points.
Verifiedharvested from product page3 Aug 2026, 5:40 PM IST
Reward cap
Reward Points accrued for insurance transactions capped at 2,000 per transaction.
Verifiedharvested from product page14 Aug 2026, 8:40 AM ISTHDFC Bank
Reward exclusion
- EasyEMI and e-wallet loading transactions do not accrue Reward Points.
- Reward Points reversed if a retail transaction is converted into SmartEMI.
- Reward Points not accrued on fuel transactions.
- Reward Points nullified if card not used for more than 365 days.
Verifiedharvested from product page14 Aug 2026, 8:40 AM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
First year's membership free on spending ₹15,000 within the first 90 days of card issuance.
VerifiedVISA Signature Credit Card product page14 Aug 2026, 8:40 AM ISTHDFC Bank
Insurance
- Complimentary insurance cover on select card variants.
- Policy coverage starts from date of Credit Card set up.
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Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Cross currency mark-up of 3.5% (2% for select premium cards) on foreign currency transactions.
Verifiedharvested from product page14 Aug 2026, 8:40 AM ISTHDFC Bank
Charge
- Cash advance fee: 2.5%, minimum ₹500, on all cash withdrawals.
- Interest / finance charge: 3.49% per month (41.88% annually) on outstanding amount carried beyond due date.
- Cash Payment at Bank Branch: ₹100 per cash payment.
- Payment Return Charges: 2% of payment amount, minimum ₹450.
- Balance Transfer Processing Charges: 1% of BT amount or ₹250 whichever is higher.
- Over limit charges: 2.5% of overlimit amount, minimum ₹500.
- Reissue of Lost, Stolen or Damaged Card: ₹100.
- Rewards Redemption Fee: ₹99 per redemption request.
- Card Validation charges: ₹2 (not reversed).
- Late Payment Charges: Nil up to ₹100, ₹100 (₹100 to ₹500), ₹400 (₹501 to ₹5,000), ₹500 (₹5,001 to ₹10,000), ₹750 (₹10,001 and above).
VerifiedVISA Signature Credit Card product page14 Aug 2026, 8:40 AM ISTHDFC Bank
Fuel surcharge waiver
1% fuel surcharge waiver on eligible fuel transactions (between ₹400 and ₹5,000), capped at ₹1,000 per statement cycle (GST applicable).
Verifiedharvested from product page14 Aug 2026, 8:40 AM ISTHDFC Bank
Interest-free period
Up to 50 days of interest-free credit period from the date of purchase (subject to submission of the charge by the merchant).
VerifiedVISA Signature Credit Card product page14 Aug 2026, 8:40 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
How does the VISA Signature Credit Card earn rewards?
Reward Points are earned on transaction amounts in multiples of Rs. 150.
harvested from product pageWhat welcome benefit does the VISA Signature Credit Card offer?
First year's membership free on spending Rs. 15,000 within the first 90 days of card issuance.
VISA Signature Credit Card product pageWhat are the transfer ratios for VISA Signature Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the VISA Signature Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/credit-cards/visa-signature-credit-card.
VerifiedVISA Signature Credit Card product page14 Aug 2026, 8:40 AM ISTHDFC Bank
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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