HDFC Bank has made significant updates regarding terms and charges for its credit card holders.

As per the information on the bank's official website, these changes are effective from August 1, 2024.

The following revision to your HDFC Bank Credit card charges will apply.

Rental Transactions: If you use services like (but not limited to) CRED, PayTM, Cheq, MobiKwik, Freecharge, and others to pay rent, a 1% fee will be charged on the transaction amount and capped at Rs 3000 per transaction.

New RuPay UPI credit card rules: NeuCoins you will earn from UPI transactions on Tata Neu Infinity HDFC Bank Credit Card from August 1, 2024 Fuel Transactions: Consumer Cards: If you spend less than Rs 15000 per transaction on fuel, no additional fee will be charged.

However, if you spend more than Rs15,000 per transaction on fuel, a 1% fee will be charged on the entire amount and capped at Rs 3000 per transaction.

Business Cards: If you spend less than Rs30000 per transaction on fuel, no additional fee will be charged.

However, if you spend more than Rs 30,000 per transaction on fuel, a 1% fee will be charged on the entire amount and capped at Rs 3000 per transaction.

Utility Transactions: Consumer Cards: If you spend less than Rs 50,000 per transaction on Utilities, no additional fee will be charged.

However, if you spend more than Rs 50,000 per transaction on utilities, a 1% fee will be charged on the entire amount and capped at Rs 3000 per transaction.

Business Cards: If you spend less than Rs 75,000 per transaction on Utilities, no additional fee will be charged.

However, if you spend more than Rs 75,000 per transaction on utilities, a 1% fee will be charged on the entire amount and capped at Rs 3000 per transaction.

Insurance transactions will not be considered as Utility transactions and hence no charge will be applicable.

Educational Transactions: If you make education payments through college/school websites or their POS machines, there will be no fees.

International education payments are excluded from this charge.

However, on education payments through third-party apps like (but not limited to) CRED, PayTM, Cheq, MobiKwik and others, a 1% fee will be charged and capped at Rs 3000 per transaction.

International / Cross Currency Transactions: If you make an International / Cross currency transaction, a 3.5% markup fee will be applicable.

*Mark up fee will remain 2% for Infinia, Infinia (Metal Edition), Diners Black, Diners Black (Metal Edition), Biz Black Metal Card, Regalia Gold, BizPower, Tata Neu Infinity HDFC Bank and 2.5% mark up fee for 6E Rewards Indigo XL. Late Payment: Our late payment fee structure has been revised as follows: Outstanding Amount Slab Revised Charges Outstanding Amount Slab Revised Charges < = ₹ 100 Nil ₹ 101 - 500 ₹ 100 ₹ 501 - 1000 ₹ 500 ₹ 1001 - 5000 ₹ 600 ₹ 5001 - 10000 ₹ 750 ₹ 10001 - 25000 ₹ 900 ₹ 25001 - 50000 ₹ 1,100 > ₹ 50000 ₹ 1,300 Rewards Redemption towards Statement Credit: If you redeem your rewards towards statement credit (CashBack), a ?50 redemption fee will be charged.

Rewards Redemption charge will not be applicable for Infinia, Infinia (Metal Edition), Diners Black, Diners Black (Metal Edition), BizBlack Metal,Swiggy HDFC Bank,Flipkart Wholesale.

Finance Charges: If you avail the revolving credit facility & hence choose to pay an amount less than the total amount due reflected in the monthly billing statement, finance charges of 3.75% (per month) will be applicable from the transaction date till the outstanding balance is paid in full . Applicable to all retail & cash transactions.

* Finance charge will remain 1.99% (per month) for Infinia, Infinia (Metal Edition), Diners Black, Diners Black (Metal Edition) ,BizBlack Metal.

Easy-EMI Processing Fee: If you avail the Easy-EMI option at any online / offline store, EMI processing fee of up to ?299 will be charged.

All fees are subject to GST as per government regulations.

The Merchant Category codes are defined by the network (Visa, Master Card, Rupay, Diners). HDFC Bank does not define the merchant category.