HDFC Bank Visa Signature Credit Card

Fee waiver rule

First-year fee free on spending ₹15,000 within the first 90 days. Renewal fee waiver on spending ₹75,000 in a year.

Add-on card fee

Up to 3 free add-on cards for your family

Reward rate

2 Reward Points per ₹200 · everyday spends2 Reward Points for every ₹200 spent.

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.

Insurance spend earning

Reward Points accrued for insurance transactions will have a cap of 2000 per month.

Rent earning

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

Utilities earning

Reward Points earned on Utility transactions will be capped at 2000 Reward Points per calendar month.

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.

Reward caps

Reward Points earned on Grocery transactions will be capped per month to: 1000 reward points.

Flight redemption

Flights & hotels bookings are capped per calendar month at 50,000 reward points.

Hotel redemption

Credit Card members can redeem up to a maximum of 50% of booking value through Reward Points

Voucher and product redemption

Cardmembers can redeem upto 70% of product/Voucher value through Reward Points /CashPoints on select vouchers/products

Point expiry

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

Cashback redemption

Not offered

Priority Pass

Save up to ₹8,300 yearly on lounge access (Priority Pass, $99 value)

Surcharge on railway tickets

1% + GST will be charged on Railway Ticket Purchases

Lost card liability

Zero liability for fraudulent transactions if reported immediately to HDFC Bank’s 24/7 Call Centre.

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Dynamic currency conversion markup

With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Cash advance fee

2.5%, with a minimum of ₹500

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit.

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

3.75% per month (i.e., 45% per annum)

Interest-free period

Up to 50 days of interest-free credit period from the date of purchase

Over-limit fee

2.5% of the overlimit amount subject to minimum of ₹550

Payment return or dishonour fee

2% of the payment amount (minimum ₹450)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

Reissue of lost, stolen or damaged card: ₹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 will be levied on Education transactions done through third party applications.

Fee on online skill-based gaming spends

1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

GST note

Goods and Services Tax (GST) on all Fees, Interest, and other Charges

Minimum amount due

5% of Retail Balance / Cash Advance Balance and finance charges and 100% of charges, Loan EMI billed under cards, levies and Taxes

Minimum age

Age 21 to 60 years (salaried), 21 to 65 years (self-employed)