FAQs - Get Answers to all your Banking & Finance related Queries| HDFC Bank

Most Common Questions

How do I change my password?

After you have logged in, you can change your password using the "Change password" option in the top part of the screen. You have to type your current password and the new password you have chosen in their respective boxes.

When will I receive my changed ATM PIN?

You will receive your new ATM PIN by post within 10 days from when your request has been submitted.

Can I get my newly generated PIN online?

No, for security reasons we send you your ATM PIN only by post.

How can I register for Autopay?

To register for Autopay:

Step 1: Click on the "Autopay register" link on the left side margin.

Step 2: Select the Credit Card number that you want to register for the Autopay facility and your HDFC Bank account number from which you want your Credit Card payments to be made.

Step 3: If you want the full amount of your statement to be paid from your bank account select the "Total amount due" link, and if you want only the minimum amount due (5% of total amount) to be paid, select "Minimum Amount Due".

Step 4: Click on "Continue" and then on "Confirm".

A message will be displayed on the screen confirming the successful registration of your Credit Card for Autopay. Please note that it takes 7 days to activate the Autopay facility for your Credit Card account. If your payment due date is 7 days, or less, away from the date of registration for Autopay kindly pay your monthly bill through your usual payment mode as Autopay will only be effective from the next billing cycle.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted.

At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

PAY

Cards, Bill Payment, Money Transfer, Recharge...

Money Transfer

National Electronic Funds Transfer

What information is required to use the e-monies NEFT service?

To use this service, you should provide the beneficiary details (name and account number), and the name and IFSC of the beneficiary bank branch.

If the money is not credited to the beneficiary’s account while using the e-monies NEFT service, will I get it back?

Your funds will be returned to your account if they are not credited.

Can I use e-Monies NEFT for foreign remittances?

This is a service designed only for remitting Indian Rupees within India.

What is IFSC? How is it different from the MICR code?

IFSC stands for ‘Indian Financial System Code’. It is an 11 digit, alpha numeric code designed to identify bank branches in India. The MICR code uses 9 digits to identify bank branches.

What are the charges for the e-monies National Electronic Funds Transfer service?

NEFT transactions on NetBanking are charged as below:

Upto Rs 1,00,000: Rs 2 + Applicable GST

Above Rs 1,00,000: Rs 10 + Applicable GST

How does the e-monies NEFT service differ from RGTS and EFT?

E-Monies NEFT is an electronic payment system, used to transfer funds to any part of India. It works on ‘net settlement’, unlike RTGS that works on ‘gross settlement’, and EFT which is restricted to only 15 centres.

Is the e-Monies NEFT system better than the existing RBI-EFT system?

E-Monies NEFT has no restrictions, because it’s based on a centralized network. That’s not the case for the RBI-EFT system, which is confined to just 15 centres.

RTGS funds transfer

How do I check the IFSC of the receiving branch?

Just ask your beneficiary to get the IFSC from his or her branch. They can also find it in their cheque book - the IFSC is in the cheque leaf.

What information do I need to provide when using the RTGS funds transfer service?

When using RTGS Funds Transfers, there are a few essential details to provide:

Amount to be remitted
Account number from where the funds will be debited
Name of the beneficiary bank, and the name of the beneficiary customer
Account number of the beneficiary customer
Sender to receiver information, if there is one
The IFSC code of the receiving branch

If the money is not credited successfully, will the remitting customer get the funds back?

With RTGS, the receiving bank should credit the account of the beneficiary instantly. If for some reason the money cannot be credited, the receiving bank has to return the money to the remitting bank within 1 hour. As soon as the money is returned, the original debit entry in the customer's account is reversed.

How long does it take for funds to be transferred from one account to another?

Real-time means that beneficiary branches are expected to receive the funds as soon as they are transferred by the remitting bank. The beneficiary bank must credit the beneficiary's account within 30 minutes of receiving the funds transfer message.

Are there minimum or maximum limits for RTGS transfers?

The RTGS system has been designed for large value transactions.

The minimum amount to be remitted through RTGS is Rs. 2 Lakhs. There is no upper ceiling for RTGS transactions.

The only change to this is RTGS transactions done through NetBanking, when the maximum amount of funds that can be transferred per Customer ID per day is Rs. 10 Lakhs.

How is RTGS different from National Electronic Funds Transfer (NEFT)?

NEFT is an electronic fund transfer system that operates on a deferred net settlement (DNS) basis, which settles transactions in batches.

In DNS, the settlement takes place at a definite time and all transactions are held up till that instant. Any transaction initiated after a designated settlement time will have to wait till the next designated settlement time. RTGS is different because transactions are processed continuously.

What is RTGS Funds Transfer?

'RTGS' stands for 'Real Time Gross Settlement'. The RTGS system is a funds transfer mechanism where transfer of money takes place from one bank to another on a 'real time' and on a 'gross' basis. This is the fastest possible money transfer system through banking channels.

'Real time' means no waiting period; transactions are settled as soon as they are processed. 'Gross settlement' means the transaction is finalized on its own, without it being bunched with any other transaction.

What are the charges for the RTGS funds transfer service?

Effective 15 November, 2010; RTGS transactions on NetBanking are charged as below :

Rs. 2 lac to Rs. 5 lac - Rs. 25 (inclusive of taxes) per transaction
Above Rs. 5 lac - Rs. 50 (inclusive of taxes) per transaction

Note: RTGS transfers can be done for amounts exceeding Rs. 2,00,000 only whereas for NEFT there are no such amount restrictions.

Cards

Credit Cards

All Credit Cards

What is a Cardholder Dispute Form? Why is the customer required to fill the dispute form (CDF)?

Cardholder dispute form is an application made to the issuing bank to investigate & resolve the alleged dispute on the card by virtue of duplicate or multiple billing/ timeout or cancelled transactions/ standing instructions or subscriptions/higher or lower cash withdrawal/unauthorized transaction in any mode of payment etc. A duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction enables / authorizes the issuing bank to investigate with the respective Merchant /Member Bank.

Please click on link below to view the cardholder dispute form. http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

What is the time frame to report Credit card transaction dispute?

Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

How do I report a transaction dispute incurred using my credit card?

You can raise a transaction dispute online by visiting https://apply.hdfcbank.com/digital/onlinedispute#odrlogin

Alternatively, you may download and fill the cardholder dispute form & send the duly filled signed copy to the mentioned address at the top left on the form.

http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

For immediate assistance, please call our 24 Hours Phone-banking customer care to report the loss of the card and block the same.

Note:

Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.
Credit with Hold funds will not be given for all disputes arising due to misuse & fraudulent usage on cards being reported as stolen or list.
For internet/E-commerce transactions, please contact the online merchant first & attempt to resolve the dispute.

For all self-initiated payment transactions through third party intermediary platforms/Apps like CRED, customer to raise directly with the payment App for appropriate refund/clarification.

What is an Add-on Credit Card? What are the benefits of an add-on Credit card?

Add-on credit card(s) is/are the additional credit card(s) issued under a primary credit card, which acts as supplementary cards with same card benefits, issued for family members like spouse, parents or children above 18 years of age.

Benefits of Add-on credit card are -

Add-on credit cards are most suitable for family members like spouse, parents or children above 18 years of age, giving financial independence without the need to have a separate credit card account and repayment liability.
Add-on credit card holders get to enjoy the same usage/reward-points/cashback benefits as primary holders, however certain card management control functions are restricted only for the primary cardholder's use.

How do I get my add-on Card issued?

For applying, click on the below link to download the add-on card application form -http://www.hdfcbank.com/assets/pdf/add_on_card_application.pdf

Please complete the form and send it to HDFC Bank Cards Division with supporting document(s) mentioned in the form.

You can forward the letter to below address -

Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

I do not want statements to be sent to my mailing address. How do I stop the same?

To stop physical card statements to your mailing address - please download the physical statement suppression MID (Most Important Document) from HDFC Bank Form centre and send the duly signed form to our correspondence address. Please complete the form and send it to HDFC Bank Cards Division with supporting document(s) mentioned in the form.

You can forward the letter to below address -

Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How do I register for e-statement facility?

To register for e-statement facility on your registered e-mail, you have to do the below steps -

Through Net Banking

Login to Netbanking
Click on the "Statement on E-mail" link on the left side margin.
Select "Office" or "Residence" as your correspondence address.
Accordingly, your office or residence Email ID will be displayed in the next input box.
Click on "Continue" and "Confirm".

A message will appear confirming your request for statement on E-mail. Please note down the reference number which appears above the confirmation message as it will be useful for any further communication with us.

Through Phone Banking

We request you to contact our Phone Banking officers at any of our 24-hours Phone Banking numbers mentioned in the below. Visit - http://www.hdfcbank.com/personal/find-your-nearest/find-phone-banking

I have applied for a Credit Card. How would I know the status of my card application?

To check the status of your credit card application, visit - https://leads.hdfcbank.com/applications/webforms/apply/cc_track_revamp/index.aspx

You are required to input the 16-digits Application reference number and Mobile number or Date of Birth (DDMMYYYY)

I have not received my Credit Card at my mailing address. How do I track the same?

In normal circumstances, a newly credit card is delivered within 21 working days of submitting your application.

If you have registered your mobile number with us, you will receive timely alerts informing you about the status and details of the dispatch of your Credit Card.

If you have received the alert on Airway Bill number (courier reference) on your mobile number provided in Credit card application form. You can track the status of the shipment using the Airway Bill number by visiting the courier websites.

Where do I find my Credit Card Bill or billed statement(s) for previous months?

Credit Card Billed statement can be accessed from the below modes -

MyCards - Login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to your registered email-ID shortly.

Netbanking - Log in to HDFC Bank Netbanking. Go to the Credit card under Cards Tab. Select the Enquire transactions and click on View statement. Select the card no. and the month-year of the billed statement. Click on View or Download to access it.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Download Billed Statement'. Select the billing month-year and Click on Download to access it.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered email ID after verifying the mobile no. and last 4-digits of your credit card.

How do I read my Credit Card Billed statement?

Your Credit Card Billed statement is divided mainly into four parts -

Card Information, such as - Statement Date, Credit Card number, Total & available Credit Limit, Payment due date, Total & Minimum amount due etc.
Account Summary & Past dues -Opening Balance, Payment/Credits for the period, Purchase/Debits for the period, Financial charges (if any) and total dues for the period.
Transactions for the period - contains the date-wise detailed itinerary of your purchases, payments, fees and interest charges, if any. All your domestic and international transactions are listed here separately.
Reward point summary - contains earned, lapsed & balance reward points, reward points expiring in next 30 or 60 days.

You also receive details on the latest offers on your Card.

How do I understand the transaction details incurred on my credit card? Where do I get the details of the transactions incurred on my credit card?

Your Credit Card transaction details can be accessed through the below route -

For current month transactions - Click on Transactions tab under MyCards or go to Unbilled transactions under Credit card section of Netbanking or Mobile banking.
For previous months - All the debit or credit transaction log are present in the credit card bill statement of previous months for that respective billing period.

Credit Card Billed statement can be accessed from the below modes -

MyCards - Login to https://mycards.hdfcbank.com using your registered mobile number and last 4-digits of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to your registered email-ID shortly.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Download Billed Statement'. Select the billing month-year and Click on ‘Download’ to access it.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered email ID after verifying the mobile no. and last 4-digits of your credit card.

I want to enhance the limit on my card. What should I do?

Limit assigned on your card is reviewed periodically based on usage and payment pattern on the card account. Please call our phone banking officers to know if your card account is currently eligible for limit enhancement.

In case there is no limit enhancement eligibility on the card account, we request you to send a duly signed letter along with the documents as given below:

Salaried - Attested copy of the latest payslip which is not beyond 45 days old and copy of the visiting card or Office Id card.

Self Employed - Attested copy of the latest ITR (Income Tax Return) and copy of the Pan card along with Computation of Income (this is a part of the ITR which the card holder submits, which lists out the individual breakup of the total income i.e. Income from House Property, Income from business etc.)

You may use our drop boxes placed for your convenience at our Branch-ATMs. Alternatively, you can mail your income documents to the address mentioned below.

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Note: All income / supporting documents as mentioned above will need to be self-attested (duly signed by you) on the document along with a signed letter.

14. What are the various charge / fee applicable on the credit card account?

Charges and fees would be levied on card account on various scenarios. Refer to the Most Information Terms and Conditions (MITC) document available at the below web-address https://www.hdfcbank.com/personal/pay/cards/credit-cards/personal-mitc

What is the membership fee (if applicable) for my Credit Card account?

HDFC Bank offers various types of Credit Cards and each credit card will have a membership fee. Click on the below link to check the applicable membership / renewal fee applicable for your card account. https://www.hdfcbank.com/personal/pay/cards/credit-cards

When is late payment charge levied?

Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date, Clear funds need to be credited to HDFC Bank Card account on or before the payment due date, to avoid Late Payment charges.

Late payment charges are applicable as:

How can I access all the services related to Credit Card online?

For accessing Credit Card services online, simply visit MyCards at https://mycards.hdfcbank.com Login using your registered mobile number and last 4-digits of Credit Card. MyCards is seamlessly accessible for both HDFC Bank account holders and Non-account holders.

Alternatively, if you are an existing HDFC Bank account holder and have already registered for Net-Banking then you can easily register for the Online Credit Card service using below steps -

Login into Net-Banking with your Customer ID and password
Once inside Net-Banking, click on "Credit Cards" Tab
Click on the "Register New Card" link on the left hand side.
Enter your Credit Card number, expiry date, credit card ATM PIN and click on "Submit".

You only have to register for this service once. After that you will be able to enjoy easy access to your Credit Card account and all its benefits through your existing HDFC Bank account customer ID and IPIN.

If you are an HDFC Bank Account Holder and have not registered for Net-Banking, you first need to register to Net-Banking service. You can get an application form at any HDFC Bank branch or from our website.

Once you fill in and submit the form we will send you an IPIN (Net-Banking password) to register for Net-Banking.

How to block your credit card permanently?

In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block (hotlist) your card and ask for a card issuance through the following method -

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on Block Card tab available under Credit Card services. On confirming, your credit card will be blocked permanently. You can also apply for the re-issue of the new card at the same time from the options available.

Net-Banking - Login to Net-banking. Click on Request Tab on the Credit cards section (left side). Select Credit card hot-listing. Select the card and the reason for hot-listing from a dropdown menu. Click on 'Continue' and confirm to hotlist the card.

You can also apply for a card re-issue at the same time from another optional dropdown.

Phone banking - We request you to contact our Phone Banking officers at any of our 24-hours Phone Banking numbers mentioned in the below. They will facilitate you to block your card permanently by verifying your last 4-digit of card no. and mobile no. combination.

Mobile Banking - Login to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'Block Card'. Select the reason for hot-listing and re-issue [Y/N] as per the requirement and click on 'Continue' to confirm the card hot-listing.

What to do if my HDFC Bank Credit card is lost or stolen or damaged and there is a fear of fraudulent transactions on the card?

In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block (hotlist) your card and ask for a card issuance through the following method -

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

You can also apply for a card re-issue at the same time from another optional dropdown.

I want to convert my purchases to EMI. What should I do?

Conversion of purchases to EMI is eligible on selected merchants, spend amount and type of purchase on your credit card.

For already-made purchases (Convert to Smart EMI) -

1. Check the unbilled transactions log on your Net-banking (Credit Cards Tab).
2. The eligible purchases will have a check-box against it. Select any one/multiple for converting it/them to an EMI
3. Proceed to select the EMI duration and interest rate & confirm with a One-time-password (OTP)
4. Your selected purchase(s) will be converted into an EMI with an applicable processing rate & reflect in your account shortly.

Before making the purchase (Convert to Easy EMI) -

Please call our phone banking numbers to know if your card account is currently eligible for the same. Also, please check with the merchant outlet/store/online platform (offers/rates/EMI options) to check whether your card will be eligible for Easy EMI option. Hence we request you to check with the merchant before processing the transaction.

What are the other options for HDFC Bank Credit Card Bill payment? How do I pay my Credit Card Bill?

Over the counter - Cash Payment Walk into any HDFC Bank branch and make your Credit Card payment by cash. Note: Cash payments at branches/ATMs will be charged a cash processing fee of Rs. 100/- per payment.

PAN # is mandatory for cash payment more than Rs.49999/-

Cheque Payment - You can deposit a local Cheque, having made it payable to the HDFC BANK Card A/c (you should mention your Credit Card number) at any of our drop boxes located at ATMs and branches in your city. HDFC Bank has an extensive network of 3000+ branches and over 11000+ ATMs across India. Local Cheque payments will be credited to your Card Account in 3 working days.

Note: As per RBI circular, with effect from 1st July 2010, no changes/corrections should be carried out on Cheque (other than for date validation purposes, if required). For any change in the payee's name, courtesy amount (amount in figures) or legal amount (amount in words), etc., fresh Cheque leaves should be used by customers.

Refer the below link for detailed payment process

http://www.hdfcbank.com/personal/making-payments/pay-credit-card-bills/hdfc-bank-account

How can I update / change my email ID on my credit card account?

You can change / update the Email ID on your credit card account by downloading the 'Change of Address, Mobile Number & Email ID's' MID from the link mentioned below

http://www.hdfcbank.com/assets/pdf/change_address_contact_details_email_id.pdf

Fill in the details and send the form to the below address -

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How can I update / change my mobile number on my credit card account?

You can change / update the Mobile number on your credit card account by downloading the 'Change of Address, Mobile Number & Email ID's' MID from the link mentioned below

http://www.hdfcbank.com/assets/pdf/change_address_contact_details_email_id.pdf

Please fill in the details and send the form to the below address -

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How can I change the Name embossed on my Credit Card?

Scenario A

If it is a correction in spelling of the name, you need to provide duly signed letter (with Card No) & enclose one of the following documents to carry out the name change:

School leaving certificate
Copy of your Passport
Ration Card
Copy of your driving license

Scenario B

If you have legally changed your name, please provide us duly signed request letter with "Gazette Order" confirming the name change.

To include your spouse's name with your name after marriage, kindly provide us with your 'Marriage Certificate'. Upon receipt of any one of the above-mentioned documents, your name change will be effected and a new Card will be issued. You shall send the request letter along with the supporting documents to the below address

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

What is Auto-pay on Credit Card? How do I set-up auto-pay on my credit card account?

The Autopay is a facility available to HDFC Bank account holders. It takes care of your Credit Card bill payments. If you register for the Autopay facility, your outstanding Credit Card statement amount will be automatically debited from your HDFC Bank account on your payment due date every month and the payment will be credited in your Credit Card account on the following day. Auto-pay can be enabled for either the total overdue amount or the minimum amount due for a particular billing period.

Auto-pay can be set up in both online and offline mode on your credit card account -

Netbanking - Log in to HDFC Bank Netbanking. Under Credit cards section, select the 'Request' Menu. Click on Autopay Register. Now select the credit card and the account, which is to be debited from. Select the payment type - a) Total Amount Due, b) Minimum Amount due. Select the Savings Account and proceed to enable Autopay on your account.

Mobile Banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to Auto-pay Status. By default, it would be disabled, if not set-up during card application. Click on Enable, select the payment type - a) Total Amount Due, b) Minimum Amount Due. Select the Savings Account and proceed to enable Auto-pay on your account.

Offline mode - Please download the Auto pay registration form which can be used to set Auto-pay - http://www.hdfcbank.com/assets/pdf/auto_debit_instruction_HDFC_Bank_cc.pdf

On downloading the form, kindly fill up the same and forward it to the below mentioned address:

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How do I modify my auto pay instruction from Total amount due to Minimum amount due or vice versa?

Auto-pay instructions can be modified through both online and offline mode on your credit card account -

Netbanking - Log in to HDFC Bank Netbanking. Under Credit cards section, select the 'Request' Menu. Click on Autopay Register. Now select the credit card and the account, which is to be debited from. Select the alternate payment option - a) Total Amount Due, b) Minimum Amount due. Select the Savings Account and proceed to modify Auto-pay instructions.

Mobile Banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to Auto-pay Status. Click on Change/Modify. Select the alternate payment option - a) Total Amount Due, b) Minimum Amount Due. Select the Savings Account and proceed to modify Auto-pay instrictions.

Offline mode - Please download the Auto pay registration form which can be used to change/modify your standing instruction - http://www.hdfcbank.com/assets/pdf/auto_debit_instruction_HDFC_Bank_cc.pdf

On downloading the form, kindly fill up the same and forward it to the below mentioned address:

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How do I cancel my auto pay instruction on my Credit Card?

Auto-pay instructions can be modified through both online and offline mode on your credit card account -

Netbanking - Log in to HDFC Bank Netbanking. Under Credit cards section, select the 'Request' Menu. Click on Autopay De-Register. Now select the credit card and it will show the current Auto-pay mode. Click on 'Continue' to cancel the Auto-pay.

Mobile Banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to Auto-pay Status. Click on Change/Modify. Click on the Auto-pay toggle (to the left) to cancel the auto-pay instuctions. Click on 'Continue' to cancel the Auto-pay.

Offline mode - We request you to send across a duly signed letter for cancellation of the auto debit facility incorporated on your card account. The letter may be sent to the following address:

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

The magnetic strip on my card is damaged. How do I get my card replaced?

We suggest you to download the application form for reissue/replacement of your card. The application form is available under on our website under Forms Centre. Kindly complete the same and forward the application form to the below mailing address:

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How can I register for Online Credit Card service via Netbanking?

If you are an existing HDFC Bank account holder and have already registered for Net-Banking, you can easily register for the Online Credit Card service as well.

Login into Netbanking with your Customer ID and password
Once inside Net-Banking, click on "Credit Cards" Tab
Click on the "Register New Card" link on the left hand side.
Enter your Credit Card number, expiry date and ATM PIN and click on "Submit".

Once you fill in and submit the form we will send you an IPIN (Net-Banking password) to register for Net-Banking.

Can anyone use the Credit Cards services on MyCards?

Yes, if you have a valid HDFC Bank Credit Card, you can use MyCards by simply visiting https://mycards.hdfcbank.com. To Login, you have to add the last 4-digits of your Credit Card as a one-time validation. Once validated, you can access a range of enquiry services, manage your card, limits and check others details like balance, e-statement, loan EMI, overdue etc.

Can anyone use the Credit Cards Net-Banking service?

Yes, if you have a valid HDFC Bank Credit Card and you have registered for Net-Banking then you can use the Credit Card Net-Banking service. Please ensure your card account is active and in regular status to use this service.

What is HDFC Bank Netbanking and what credit card services can be availed using HDFC Bank Netbanking?

HDFC Bank Netbanking Platform is the in-house digital platform of the bank intended to provide onboarding, services, cross-sell and offer management across all the major liability and Asset products issued/handled by the bank for its internal customer.

With respect to Credit Cards, you can do the following services through Net-Banking -

Enquiry -

View your account information
View your unbilled transactions
View your Credit Card Statements (up to 6 months)

Request -

Statement on Email
Credit Card ATM PIN
Duplicate statement
Credit Card Loan Details
Credit Card Limit Enhancement(LE) (Only for HDFC Bank account holders)
Card Upgrade with LE (Only for HDFC Bank account holders)
Convert high valued bills to an EMI
Cash on Call (Only for HDFC Bank account holders)
Credit Card Hot-listing

Payments

Credit Card Payments (Only for HDFC Bank account holders)
Autopay Register (Only for HDFC Bank account holders)
Autopay De-register (Only for HDFC Bank account holders)
Register New Card
De-register Card
Redeem Reward Points

What information can I view under account information with the Online Credit Card facility?

Under your account information you can view the following information about Credit Card

1. Statement Date,
2. Credit Card number (masked)
3. Total Credit Limit
4. Available Credit Limit
5. Payment due date
6. Total Amount due
7. Minimum amount due
8. Total Cash Limit
9. Available Cash Limit

How can I view my monthly card statement or Credit Card Billed statement?

Credit Card Billed statement can be accessed from the below modes -

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to your registered email-ID shortly.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered email ID after verifying the mobile no. and last 4-digits of your credit card.

How can I see details of transactions made on my card after my last statement date?

Transactions made on the credit card after the last credit-card bill generation - is known as Unbilled transactions. To view the unbilled transactions, use any of the following platforms -

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on Transactions under Credit Card services. Your will see all the unbilled transactions on your Credit Card account including any debit or credit since the last credit-card bill generation.

Netbanking - Log in to HDFC Bank Netbanking. Go to the Credit card under Cards Tab. Select the Enquire transactions and click on the "View Unbilled Transactions" link on the left side margin. Select your Credit Card number and the type of transactions (Debit/Credit) you want to see. Click on the "View" link.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu. Select the Credit card and scroll down to 'View Unbilled statement'.

What are the other Charges that would be applicable?

Click on the below link to know about various charges applicable on the card -http://www.hdfcbank.com/assets/pdf/cc_common_MITC.pdf

What is the additional charge you are levying on my international transactions?

International transactions are converted into Indian Rupees using the exchange rate established by the VISA / Master International for such transaction on the date when the charges are processed by the member bank, plus any applicable conversion charges.

These rates are determined by VISA / Master for such interbank/inter country settlement and the same would apply in addition to the bank markup rates for transactions on the credit card for international transactions.

The Cross Currency Markup' @ 3 .5% on the transaction amount is currently charged for international transactions and the same has been mentioned on the schedule of charges' in the card statement. As part of a regulatory compliance, the markup charges similar to all other Fees & Charges will also be levied with Taxes @ 18%

In case if there are multiple foreign currency transactions posted during the month, then markup amounts across the multiple transactions would be cumulated and Taxes @ 18%

In case of transactions in other foreign currencies, the transactions are converted to a globally accepted currency value (USD) and then to Indian rupees, which may result in a net difference in the charge amount, when compared to the rate arrived at using regular RBI rate.

How to generate Green PIN (OTP)/ duplicate PIN?

Net-Banking

Click on the "Request"
Select your Credit Card ATM PIN option on the left hand side Menu
Select your Credit Card number from the drop down box and click on the "Continue" link
Please check if the registered mobile number is correct and click on the “Confirm” tab

A message will appear on the screen confirming the successful submission of your Green PIN (OTP) request for ATM PIN generation/change. The Credit Card Green PIN (OTP) for ATM PIN generation will be sent to the registered mobile number.

Phone Banking

Contact Credit Card Phone-Banking. The Credit Card Green PIN (OTP) for ATM PIN generation will be sent to the registered mobile number.

How do I generate Credit Card ATM PIN using Green PIN (One Time Password) received on registered mobile number?

Please visit any HDFC Bank ATM along with your Credit Card to verify Green PIN (OTP) and follow below mentioned steps to generate your own PIN:

Insert your card in the ATM machine and the language selection screen, select “Create new ATM PIN using OTP” option
At the prompt, enter the “OTP” sent on your registered mobile number.
Now, enter the 10-digit registered mobile number (without adding 0)
Create a new Credit cards PIN of your choice on your card.

What are the payment channels/modes for Credit card Bill payment for HDFC Bank account holders and how to do it?

HDFC Bank account holder can make payments through below channels

1. Auto pay -

You can provide standing instructions to debit your HDFC Bank Account automatically for either the minimum amount due or the total monthly outstanding amount on your Credit Card. Your account with HDFC Bank should be a sole or a joint account with an 'any' or 'either' signing mandate. (Total amount due to be paid for CTA's)

2. HDFC Bank Net-Banking -

HDFC Bank savings/current account holders can register for Net-Banking and transfer the outstanding Credit Card amount online. To link your Credit Card to Net-Banking, please log in to your HDFC Bank Net-Banking account and link using your Credit Card ATM PIN.

3. ATM Funds Transfer -

All you have to do is walk in to any HDFC Bank ATM in India, at any time and transfer the bill amount from your Savings or Current Account to your Credit Card Account

4. HDFC Bank Mobile Banking -

Make sure you have downloaded and installed the HDFC Bank Mobile Banking Apps on your phone and enabled internet access. Log in to the Mobile App using your Customer ID and go to the 'Credit Card' tab, choose 'Credit Card Payment' and make your payments using your HDFC Bank Savings Account HDFC Bank Mobile Banking through Browser Log in to your Netbanking account using Mobile Banking through Browser (www.m.hdfcbank.com). Go to the 'Credit Card' tab, choose 'Credit Card Payment' and make the payments using your HDFC Bank Savings Account.

What are the payment channels/modes for Credit card Bill payment for Non HDFC Bank Account Holder and how to do it?

For Non-HDFC Bank Account Holder, below are the payment channel/modes for Credit Card Bill payment -

Bill Desk Payment Gateway

You can now make your Credit Card payments online from any other bank account, if you do not have an account with HDFC Bank.

Click on the below link to make card payment through BILL DESK - http://www.billdesk.com/pgidsk/pgmerc/hdfccard/index.jsp

NEFT/ Visa Money Transfer -

You can transfer funds from any other bank account to your HDFC Bank Credit Card account electronically. Please contact your bank for more details on NEFT. Use IFSC Code HDFC0000128 for card payment through NEFT.

Why am I being charged Financial Charges by the bank?

Finance charges will be applicable when the total amount due is not received within the payment due date.

Finance charges are payable at the monthly percentage rate on all transactions from the date of transaction in the event of the Card member choosing not to pay his balance in full, and on all cash advances taken by the Card member, till they are paid back Finance charges, if payable, are debited to the Card member's account till the outstanding on the card is paid in full.

To know more about how finance charges is calculated refer the below link http://www.hdfcbank.com/assets/pdf/cc_common_MITC.pdf

When should a customer fill a progressive dispute form?

Subsequent to submission of the CDF form, the bank intimates the merchant of the disputed transaction. The merchant then provides all the relevant documents to substantiate the respective transaction. Post inspection of all the relevant documents, if the customer is still not convinced, then the customer should fill and submit the progressive dispute form.

Please click on link below to view the progressive dispute form -https://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

How do I apprise HDFC Bank of disputed transactions on my Central Travel Account?

You may write an email to Corporate.assist@hdfcbank.com after filling the details in the dispute form. Subsequent to submission of the form, the bank intimates the Travel management company (TMC) /Merchant of the disputed transaction.

Bank will also give a memo credit on the account till the time TMC/Merchant provides all the relevant documents to substantiate the respective transaction.

Please click on the link below to view the progressive dispute form. http://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

Where do I find Jumbo Loan details, including how many months are left to close the loan or Outstanding amount?

Jumbo loan details can be viewed on MyCards under Linked EMI section. Simply login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

The loan summary has the below details -

1. Jumbo Loan Amount
2. Interest rate
3. Outstanding amount
4. Repayment schedule including EMIs per month
5. Loan duration (in months)

The same details can also be viewed inside Netbanking > Cards section under Credit Cards Enquire tab.

Where do I find Insta Loan details, including how many months are left to close the loan or Outstanding amount?

Insta loan details can be viewed on MyCards under Linked EMI section. Simply login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card. The loan summary has the below details –

Jumbo Loan Amount
Interest rate
Outstanding amount
Repayment schedule including EMIs per month
Loan duration (in months)

The same details can also be viewed inside Netbanking > Cards section under Credit Cards Enquire tab.

How can i get my membership fee reversed for credit cards?

Membership fees are levied as per the applicable annual charges on the card applied for during the card application. In the eventuality of any fee related discrepancy or grievances, please write to the bank online at the below email address - customerservices.cards@hdfcbank.com

How do I get a refund for Excess balance on my credit card?

Credit balance reflecting on your card account shall be adjusted against future purchases. In the eventuality of any immediate necessity, you may write to the bank online at customerservices.cards@hdfcbank.com with specific details of transaction/amount for which refund is sought.

What is Airport Lounge Access Feature on Credit Cards?

To make your travel more comfortable, selected few HDFC Bank credit cards offer complimentary access to airport lounges within and outside India. You can relax in the comforts of the lounge while you wait for your flight. Depending on the credit card variant that you hold, you can avail this benefit and travel in luxury and style.

To know whether your card offers complimentary airport lounge access or not, please check through the card welcome letter sent to you at the time of issuance. Or alternatively, you can read from the below site - https://www.hdfcbank.com/personal/pay/cards/credit-cards

How do i get a NOC for my credit card?

NOC will be issued only on Cancelled Card accounts where there are no pending dues payable. You may write to the bank online at customerservices.cards@hdfcbank.com stating the requirement and purpose of the same.

How do I change the billing cycle for my credit card on a particular date?

No, we are not taking any request for change in the billing cycle of customers.

How do I waive off penalty charges/ how do I waiver off collection penalty charges?

Penalty charges are applied as per the Schedule of Charges mentioned in the Most Important Terms & Conditions (MITC). In case, you want to raise a grievance, please write to the bank online at customerservices.cards@hdfcbank.com with specific details of transaction/penalty amount for which waiver is sought.

How do I check if my refund is updated in my Credit Card?

You may please refer to the transaction log (description) on the Monthly billed statement for your credit card. Credit Card Billed statement can be accessed from the below modes -

MyCards - Login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to your registered email-ID shortly.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered email ID after verifying the mobile no. and last 4-digits of your credit card.

How do I make CC payment through PayZapp?

Currently, credit card bills can't be paid via Payzapp. You may choose to pay the bill directly from your banking platforms like Netbanking, Mobile banking.

How do I make CC payment through PayTM?

Credit card bills can be paid using PayTM from the 'Recharge and Bill payments section' by selecting Credit card.

1. Click on 'Pay Bill' button under the card, where you will be re-directed to the payment page, wherein you will be required to enter the amount.
2. On the next page, select the method of payment and follow the on-screen instructions to complete the transaction.

Are they any charges for PayZapp?

No, there is no charges for using PayZapp. Rather, PayZapp provides you with attractive discounts and cashbacks on your favourite merchant brands & utility payments on their platform. Terms & Conditions Apply.

How do I check my daily transaction limit on Credit Card?

You can check and/or manage your permissible daily transaction limit on Credit card via the below route -

MyCards - Login to https://mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on Card Control service under Credit Cards. You will able to see the transaction limit on your domestic and international usage across ATM, Online, POS and Contactless Transactions modes.

Netbanking - Login in to Netbanking. Under the Cards Tab, 'Request' section - select 'Set Card Usage/Limits'.

On selecting, the daily permissible limit will be shown. Further, user can check the individual transaction limit on ATM, Merchant outlet (POS), Contactless and Online purchases in domestic as well as international usage.

Phone Banking - Contact Credit Card Phone-Banking. You will be provided the required information on daily transaction limit on Credit Card as well as individual transaction limit on ATM, Merchant outlet (POS), Contactless and Online purchases in domestic as well as international usage.

Which credit card services can be availed using HDFC Bank MyCards?

HDFC Bank MyCards is a mobile-based service platform for Credit Cards - one stop for all card enquiry and management services available for customers. It can be accessed via mycards.hdfcbank.com and need no download or password to remember. It can be accessed seamlessly by HDFC Bank account holder and Non-HDFC Bank account holders also. With respect to Credit Cards, you can do the following services using MyCards platform -

Enquiry -

View your Card Summary including Card status, outstanding and available limits and due date
View your unbilled transactions
View your Linked EMIs on Credit Card
View your Reward Points

Request -

Statement on Email (upto last 24 months)
Hotlist and Re-issue your Credit Card
Temporary disable and enable Credit Card

Maintenance

Card Enable/Disable POS/ATM/Contactless/Online Transactions
Card Limit setting across POS/ATM/Contactless/Online Transactions

What is HDFC Bank MyCards and why it is called PWA?

MyCards is a mobile-based service platform of HDFC Bank for products like Credit Card, Debit-card EMI, Consumer Durable loan. It is a Progressive Web Application, which runs on the browser but provides native app-like experience, once you save it on your phone.

How to login onto HDFC Bank MyCards PWA for accessing Credit Card services?

You can login inside HDFC Bank MyCards PWA using the below steps at mycards.hdfcbank.com

Enter the registered mobile number on the MyCards login
Enter the OTP sent on the registered mobile number for validation
Select the product(s) to be added
Add the Credit card using last 4 digit of the card
Once validated successfully, user gets logged into MyCards Credit Card Homepage for accessing all the services.

Can I use HDFC Bank MyCards from multiple devices and at the same time?

You can access HDFC Bank MyCards from multiple devices just like your open HDFC Bank website anywhere. However, as a security measure, simultaneous logins are not allowed from multiple devices. In such a case, the earlier session will get logged out.

Simply visit https://mycards.hdfcbank.com and get started to manage your Credit Card on the go.

How to save HDFC Bank MyCards for using it in future?

HDFC Bank MyCards can be saved on your mobile home-screen and provides a native app experience without the need to download anything from Play Store.

Simply visit https://mycards.hdfcbank.com and simply, click on Add to Home Screen button on the MyCards Landing page or More option (three vertical dots) of your browser and save MyCards on your mobile phone or desktop.

Can a Non-HDFC Bank account holder access Credit Card services online using HDFC Bank MyCards without creating any Login ID and password?

Non-HDFC Bank Account holders can seamlessly use MyCards for accessing all Credit Card services online. There is no need for creating any Login ID and password. You just have to login using registered mobile number and last 4-digits of your credit card to access all the services.

Simply visit https://mycards.hdfcbank.com and get started to manage your Credit Card on the go.

63. How can I change my mobile number on my credit card account?

You can change / update the mobile number on your credit card account by

HDFC Bank ATM - Insert Credit Card>>Select your Language>>Select Update your registered Mobile Number under Main Menu>>Enter mobile number & complete the authentication. Enable your ATM card controls before placing the request.
Downloading the CHANGE OF ADDRESS, MOBILE NUMBER & EMAIL ID'S MID form. Fill in the details and send the form to

Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

64. How can I change or update my address on my credit card account?

You can change or update the address on your credit card account instatntly.

A. Insta Services(For Customers with HDFC Bank A/c)

CLICK HERE to update your address.

B. MyCards - For Customers without HDFC Bank A/c

Login to MyCards.hdfcbank.com>>Use Registered Mobile No & OTP>>Select Credit Card>>Under 'Services'>>'Manage'>>'Update Address'

.Update your Aadhaar address before placing the request.

C. You can change or update the address on your credit card account by downloading the application form for the change of contact details for credit cards HERE. Fill in the details in the form and send to:

Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Regalia

How much does an HDFC Bank Regalia credit card holder save annually?

Click here to view Value Chart of Regalia Credit Card.

What is Zomato Pro Membership?
Zomato Pro is an exclusive dine out membership program that extends special perks like a complimentary dish and up to 2 complimentary drinks every time you dine at, or hit the bar at more than 4000 partner restaurants across India.
It also offers a host of specially-curated food & drink experiences like new restaurant launches, pub crawls, new menu previews, cookout with chefs, wine tasting sessions, brewery tours, and much more.

This program is applicable across top restaurants in Delhi NCR, Mumbai, Bangalore, Pune, Hyderabad, Jaipur, Chandigarh, Ahmedabad, Kolkata, Chennai, Ludhiana, Lucknow, Indore, Nagpur, Coimbatore, and Kochi.

What is the eligibility criteria for availing a Zomato Pro Membership?
HDFC Bank Regalia Credit Card holders both fresh & upgrade onboarded on or after 20th March 2019 Until 10^th Jan’21 and have spent 75,000 within first 90 days from card set up date are eligible for this membership.
Are existing HDFC Bank Regalia Credit Card Cardholders also eligible for the membership?
No, existing HDFC Bank Regalia Credit Card cardholders i.e. those sourced before 20th March 2019 will not be eligible for the membership.

What is the validity of Zomato Pro membership?
HDFC Bank Regalia Credit Card cardholders are offered a one year unlimited Zomato Pro pack.

By when can I avail the membership?
This membership can be availed only in the first year of the issuance of HDFC Bank Regalia Credit Card card and on qualifying for the membership by spending 75 K within first 90 days. This membership will not be renewed by HDFC Bank.

In case of any assistance required post issuance of Zomato Pro membership, whom do I need to contact?
Once issued with Zomato Pro membership you need to contact the below for any support: Write an email to pro@zomato.com; or can reach out to chat support from the Zomato app

Lounge Access within India

What is domestic lounge access Program on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card cardholders can avail upto 12 lounge access within India in a calendar year using Visa /Mastercard credit card.

What happens if you have exceeded your complimentary lounge visits on your HDFC Bank Regalia Credit Card?
All the visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge

How do I know the list of lounges providing complimentary domestic lounge access on HDFC Bank Regalia Credit Card?
Pls visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/regalia to know the updated Visa / Mastercard complimentary lounge access list.

Priority Pass - Lounge access outside India

How can HDFC Bank Regalia Credit Card cardholders avail lounge access outside India?
HDFC Bank Regalia Credit Card cardholders can avail upto 6 complimentary international lounge access for self and add-on using Priority pass.

How to avail Priority pass card?
You can apply for Priority Pass for self or /and add on members post doing 4 retail transaction on your HDFC Bank HDFC Bank Regalia Credit Card Credit. Link to apply https://leads.hdfcbank.com/applications/webforms/apply/HDFC_Regalia_Priority_Pass1/Regalia_Priority_Pass.aspx

What happens if you have exceeded your complimentary visits via Priority Pass?
HDFC Bank Regalia Credit Card cardholders exceeding 6 complimentary visits will be charged at US $27 + GST per visit.

Can you use Priority pass within India?
Using Priority Pass in India will attract charges on your Credit Card.

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Super Premium/Regalia/Priority_Pass_Regalia.pdf

Insurance Feature

What is the comprehensive protection feature on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card Cardholders enjoy following comprehensive protection on the card:

Rs. 1 crore air accidental death cover: Cover is applicable in case the card holder shall sustain any air accident and suffer bodily injury resulting in death within 12 months of the accident.

Emergency overseas hospitalization up to Rs. 15 Lakhs available to primary card holder: Covers any medical expenses because of any Bodily Injury or sudden unexpected Sickness only for international travel outside India. Medical expenses incurred due to any pre-existing illness will not be covered.

How can HDFC Bank Regalia Credit Cardholder raise the claim with insurance partner HDFC Ergo?
HDFC Bank Regalia Credit Cardholders can directly raise the claim with HDFC ERGO within 130 days from the date of loss.

HDFC Ergo Contact details:
a. For Emergency Medical Expenses - Toll Free: +800 08250825 (International Toll Free - accessible from outside India) / 01204507250 (Chargeable)
b. Email: bankclaims@hdfcergo.com c. Address: A&H Claims Inward Team, HDFC

What are the Terms & Conditions ?
All the above insurance covers are available to the Primary card holder. O
• Liability on lost card will start from the Date of Dispatch of the card upto 30 days, whereas Air Accident/ Emergency Medical Expenses will start from Date of Activation of the card (means first POS transaction/cash withdrawal by the cardholder)
• Liability on lost card covered to an extent of 900,000 for 2 days prior to Date of Block and 30 days post the Date of Block.
• Terrorism is specifically excluded under the policy.
• Travel Insurance provided under the policy shall not be valid for procuring a visa.
• Travel Insurance provided shall be valid for International Travel only. Maximum Trip Duration is restricted to 30 Days.
• Fraudulent transactions done by person known to the cardholder are specifically excluded.
• Insurance covers are not provided by HDFC Bank. Exclusions/Limitations are applicable as per the policies issued by the Insurance Company with whom the Bank has tied up.

Reward Points Program

How many base RP’s do HDFC Bank Regalia Credit Card cardholders earn?
You can earn upto 4 RP on retails spends (including spends on insurance, utilities, & rent pay) for every Rs 150 spent on the card.

What are the Terms and conditions with respect to Reward Point Program?
• Only valid Retail purchases qualify for Reward Points
• Reward Points will not be accrued for fuel transactions
• Reward Points are valid only for 2 years from the date of accumulation e.g.: If you have received Reward Points in the month of April 2019, then same will expire in April 2021.
• EasyEMI and e-wallet loading transactions will not accrue Reward Points.
• Reward Points accrued will be reversed if a retail transaction is converted into SmartEMI.
• If the Credit Card is not used for more than 365 days, Reward Points accrued will be nullified.
• Reward Points accrued for Insurance transactions will have a maximum cap of 2,000 per day.

Spend Aggregation Feature

What is the spend aggregation feature applicable on HDFC Bank Regalia Credit Card?
• Cardholders earn 10,000 Reward Points on achieving annual spends of Rs. 5 lakhs
• They earn additional 5,000 Reward Points on achieving annual spends of Rs. 8 lakhs

For Important Terms and Conditions of Annual spends benefit program, Click Here

Unified Portal

What is HDFC Bank Regalia Credit Card Unified Portal & what does it provide?
HDFC Bank Regalia Credit Card unified portal is an exclusive portal for customers for their travel bookings, entertainment bookings & shopping. Customers can do both flight / hotel bookings and also redeem rewards points against travel bookings using their credit card on this portal https://offers.smartbuy.hdfcbank.com/regalia

Do I have to register online in order to use the HDFC Bank Regalia Credit Card Portal?
Registration on the portal https://offers.smartbuy.hdfcbank.com/regalia Bank Regalia Credit Card is optional. You can access all the features and functionalities of the website without registration.
However, all the transactions on the website need to be effected using the HDFC Bank Regalia Credit Card.

As a registered member, you will get the following benefits:

You do not have to provide your details every time you use the portal for bookings. You can view all your revenue and redemption bookings at one place.

Rewards Redemption

What are the Reward Points redemption options available for the cardholder?
HDFC Bank Regalia Credit Card cardholders can redeem Reward Points
• For flight and hotel bookings via SmartBuy
https://offers.smartbuy.hdfcbank.com/regalia
• Curated Global experiences,
• Premium vouchers,
• Air Miles
• Cashback.

Travel Concierge

Does HDFC Bank HDFC Bank Regalia Credit Card Credit Card provide travel assistance?
HDFC Bank Regalia Credit Card cardholders can customize their travel experiences with our 24 X 7 concierge Assistance. Toll free no: 1860 425 1188, Email ID: HDFC Bank Regalia Credit Card.support@smartbuyoffers.co

Foreign Currency Transactions

What is the FCY mark-up fee on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card has a 2% FCY mark-up on any credit card transactions made outside India.

Fuel Surcharge Waiver

What is the fuel surcharge waiver applicable on HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card cardholders enjoy a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5000. No Reward Points are earned on fuel transactions.

Contactless Mode of Payment
Does the HDFC Bank HDFC Bank Regalia Credit Card provides payment option through contactless card?HDFC Bank Regalia Credit Card Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN.

Card Fee

What is the Membership fee / renewal annual applicable on HDFC Bank Regalia Credit Card?
Membership fee/ Renewal fee of Rs 2500 /-+ Applicable Taxes is applicable on HDFC Bank Regalia Credit Card.

What is the Spends based condition for membership fee reversal on HDFC Bank Regalia Credit Card?
Membership fee will be waived of on spends of Rs 3 lakh in anniversary year

Interest Rate

What is the interest rate applicable on HDFC Bank Regalia Credit Card?
Interest rate applicable on HDFC Bank Regalia Credit Card is 3.49 % per month.

How can a cardmember enable Online, International and Contactless transactions?
Click here for detailed information

What is Dineout Passport?

We are delighted to announce Dineout Plus has been upgraded to Dineout Passport - Dineout’s new dining program that offers:

Minimum 25% off on the bill at 2000+ restaurants in 20 cities across the country
1+1 on Buffet at 200+ restaurants
Additional 5% off using Dineout Pay
Exclusive Access to Dineout Passport Experiences
Early Access to events and festivals such as GIRF, Gourmetlicious, etc.

Who all are eligible for this offer?
All Regalia credit cardholders are eligible for this offer.

How to avail this membership?
Spend Rs. 75,000 and more from your regalia credit card every calendar quarter beginning from 1st Jan,2021 to 31st March, 2021

Spends from which period will be considered for this offer?
Spends using your Regalia credit beginning from 1st Jan,2021 till 31st March,2021 will be considered and every calendar quarter thereafter.

When will the membership code be sent to all winners?
All winners will receive the promo code within 1 month of spend target achievement.
For eg: If a customer has achieved 75,000 spend on 10th Feb,2021 , he will receive the membership code by 10th March, 2021.

Superia

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted.
At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card.

Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Does HDFC Bank’s Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs,the system validates the Chip ensuring security of your transaction.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions, the card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.

Titanium Edge

Can a chip card be used for online transactions?

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the benefits of a Chip Card?

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

Does HDFC Bank’s Chip Card contain a magnetic strip?

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

What in case the card is lost / Stolen?

Can Chip Credit cards be used anywhere?

Platinum Plus

Can Chip Credit cards be used anywhere?

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

What in case the card is lost / Stolen?

Can a Chip Card be used to withdraw cash for Platinum Plus Credit Card?

Yes a Chip Card can be used at any ATM to withdraw cash.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

Does HDFC Bank’s Chip Card contain a magnetic strip?

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the benefits of a Chip Card?

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Can a chip card be used for online transactions?

Visa Signature

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

Does HDFC Bank’s Visa Signature Credit Card contain a magnetic strip?

Yes, this is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Visa Signature Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

Can a chip card be used for online transactions?

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

What are the benefits of a Chip Card?

Can I use my Visa Signature Chip card anywhere?

Yes, you can use your Visa Signature Chip Credit Card anywhere in the world where Visa is accepted. At a chip-enabled terminal, you can insert your Chip Card into the POS terminal. If your card is being used at a location that does not have a chip-enabled terminal, your card can be swiped to complete the transaction.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a chip terminal, your card can be swiped.

Does HDFC Bank’s Chip Card contain a magnetic strip?

What in case the card is lost / Stolen?

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Can Chip Credit cards be used anywhere?

Solitaire

How to redeem Reward Points?

For details, please visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/claim-rewards

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Doctors Superia

How to redeem Reward Points?

For details, please visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/claim-rewards

What in case the card is lost / Stolen?

JetPrivilege HDFC Bank World

Will the 2X InterMiles be applicable only if the ticket is booked online through IM website or via app?

Ans. Customer will get 2 times the Miles i.e. on InterMiles HDFC Bank Signature the customer will get 12 InterMiles for Rs.150, on InterMiles HDFC Bank Platinum, 8 InterMiles for Rs.150 and on InterMiles HDFC Bank Diners Club, 16 InterMiles for Rs.150 only on flight tickets booked online on http://flights.intermiles.com and hotels booked on interbook.intermiles.com.

Will the Rs.750 discount voucher be applicable only on booking done through InterMiles Site?

Ans. Yes, for InterMiles HDFC Bank Signature Credit Card, the Rs.750 discount voucher can be used only for online booking on a minimum booking of INR 4500 of through InterMiles websites only (https://www.intermiles.com/flights). This discount is against the base fare. This has been mentioned on the InterMiles HDFC Bank Signature Credit Card Product Page, Terms and Conditions under the head “Renewal Benefits”.

How will I earn the Reward Points on my INTERMILES HDFC BANK CO-BRAND CREDIT Card?

Ans. On these card you earn INTERMILES through your retail spends. These INTERMILES will gets transferred to your INTERMILES Membership number as provided by you, periodically.

When will I get my Bonus JPMiles?

Your First Swipe Bonus JPMiles will be transferred to you FFP number within 7 days of first transaction done on your JAHC Card. Your Spend Threshold Bonus JPMiles will be transferred to your FFP Number within 7 days of reaching the threshold spends value provided both of these are completed within 90 days of Card Setup Date

I already have an HDFC Bank card but want to apply for a Jetprivilege – HDFC Bank X card? What is the process?

If the customer is already an HDFC bank cardmember, he can apply for the JetPrivilege – HDFC Bank X card basis the eligibility of the product and on paying fees. The customer can call into the HDFC Bank call centre. The existing points on the HDFC Bank card will be transferred to JP program at the conversion ratio applicable on the current card

Does HDFC Bank’s Chip Card contain a magnetic strip?

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Can the Chip card be used to withdraw cash?

Yes the chip card can be used at any of the ATMs to withdraw cash.

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a Chip terminal, the card can also be swiped as before.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What are the benefits of a Chip Card?

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Can a chip card be used for online transactions?

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Will the 3 times rewards be applicable only if the ticket is booked online?

Customer will get 3 times the rewards i.e on World the customer will get 18 points for Rs.150, on Platinum 15 points for Rs.150 and on Titanium 12 points for Rs.150 only on flight tickets booked online on Jetairways.com

Will the Rs.750 discount voucher be applicable only on booking done through Jet Site?

Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on jet airways flights through Jet Airways websites only. This discount is against the base fare.

How will I earn the Reward Points on my JAHC Card?

On these card you earn JPMiles on your retail spends. These JPMiles gets transferred to your JP FFP Membership number as provided by you periodically.

JetPrivilege HDFC Bank Platinum

Will the 2X InterMiles be applicable only if the ticket is booked online through IM website or via app?

Will the Rs.500 discount voucher be applicable only on booking done through InterMiles Site?

Ans. Yes, for InterMiles HDFC Bank Platinum Credit Card, the Rs.500 discount voucher can be used only for online booking on a minimum booking of INR 3500 of through InterMiles websites only (https://www.intermiles.com/flights). This discount is against the base fare. This has been mentioned on the InterMiles HDFC Bank Platinum Credit Card Product Page, Terms and Conditions under the head “Renewal Benefits”.

How will I earn the Reward Points on my INTERMILES HDFC BANK CO-BRAND CREDIT Card?

Ans. On these card you earn InterMiles through your retail spends. These InterMiles will get transferred to your InterMiles Membership number as provided by you, periodically.

When will I get my Bonus JPMiles?

I already have an HDFC Bank card but want to apply for a Jetprivilege – HDFC Bank X card? What is the process?

Does HDFC Bank’s Chip Card contain a magnetic strip?

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Can a chip card be used for online transactions?

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

What are the benefits of a Chip Card?

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a Chip terminal, the card can also be swiped as before.

Can the Chip card be used to withdraw cash?

Yes the chip card can be used at any of the ATMs to withdraw cash.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Will the 3 times rewards be applicable only if the ticket is booked online?

Will the Rs.750 discount voucher be applicable only on booking done through Jet Site?

Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on jet airways flights through Jet Airways websites only. This discount is against the base fare.

How will I earn the Reward Points on my JAHC Card?

On these card you earn JPMiles on your retail spends. These JPMiles gets transferred to your JP FFP Membership number as provided by you periodically.

JetPrivilege HDFC Bank Titanium

When will I get my Bonus JPMiles?

I already have an HDFC Bank card but want to apply for a Jetprivilege – HDFC Bank X card? What is the process?

Does HDFC Bank’s Chip Card contain a magnetic strip?

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Can the Chip card be used to withdraw cash?

Yes the chip card can be used at any of the ATMs to withdraw cash.

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a Chip terminal, the card can also be swiped as before.

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What are the benefits of a Chip Card?

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Can a chip card be used for online transactions?

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

What in case the card is lost / Stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card. Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Will the 3 times rewards be applicable only if the ticket is booked online?

Will the Rs.750 discount voucher be applicable only on booking done through Jet Site?

Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on jet airways flights through Jet Airways websites only. This discount is against the base fare.

How will I earn the Reward Points on my JAHC Card?

On these card you earn JPMiles on your retail spends. These JPMiles gets transferred to your JP FFP Membership number as provided by you periodically.

Teachers Platinum

How to redeem Reward Points?

For details, please visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/claim-rewards

What in case the card is lost / stolen?

Platinum Times Card

How much discount can I avail with my HDFC Bank Times Card Credit Platinum on booking movie tickets via BookMyShow?

With your HDFC Bank Times Card Credit Platinum, you can avail a discount of 50% on booking movie tickets via BookMyShow.

How can I avail 50% discount on movie ticket on BookMyShow?

Go through the regular ticketing flow on BookMyShow and Proceed to Review Screen
Click on “Unlock Offer or Apply Promocodes” at the bottom of Review Screen
Click on “Credit/Debit” and you will be routed to the Offers Screen
Select the “HDFC Bank Times Card Offer” on the Offers Screen
Enter your 16 digit credit card number in the box and click on apply
Make the payment using your HDFC Bank Times Card Credit Platinum

What is the ticket booking limit on using 50% discount on BookMyShow?

A cardholder can purchase a maximum of 4 discounted tickets per card per month.
A maximum discount of Rs 600 can be availed per transaction by cardholder.
A discount of Rs 50 on Food and Beverage can be availed only once by the user.

Apart from BookMyShow, where 50% off on Movie Tickets can be availed?

Currently, the offer is applicable only on BookMyShow.

Titanium Times Card

What is Times Prime Membership?

Times Prime is an all-in-one lifestyle membership that aims to upgrade user’s lifestyle by providing premium offers & deals across dining, travel, shopping, entertainment & many more.

Access to 20+ subscriptions & Special offers in 25+ popular shopping brands like Gaana Plus, TOI+, Zee5, Dineout Passport Membership, etc & offers on Myntra, Lifestyle & many more brands.

Is Times Prime Membership applicable to all Times Card Holders?

No, Times Prime Membership is not applicable to customers holding a Life Time Free Card from 2^nd year onwards.

How to qualify for Times Prime Membership?

You will qualify for annual membership of Times Prime basis following criteria:

HDFC Bank Times Card Credit – on completing 3 transactions in a calendar quarter
HDFC Bank Times Card Credit Platinum – on completing 1 transaction in a calendar quarter

What is the definition of Calendar Quarter?

Calendar quarter for any year is defined as:

Quarter 1 - 1st January to 31st March | Quarter 2 - 1st April to 30th June
Quarter 3 - 1st July to 30th September | Quarter 4 - 1st October to 31st December

When will I get the Times Prime Membership, once eligible?

Post qualification, Customer will receive SMS/Email within 30 days of qualification. Post receipt of SMS/Email, customer has to claim the membership within 90 days. Annual membership will start from the date customer claims the membership.

I have 2 different Times Card, one with Times Card Credit and another with Times Card Credit Platinum, will I be eligible for Times Prime Membership on both the cards?

Currently you are eligible for one Times Prime Membership on your bank registered mobile number. For example, if you have 2 or more HDFC Bank Times Card (same variant or different variant) and the registered mobile number with the bank for all those cards is same, you can avail only 1 (one) Times Prime Membership on being eligible on any of the cards.

What happens if I already have an active Times Prime Membership, will I get a new membership on my card?

Scenario	HDFC Bank Times Card Credit	HDFC Bank Times Card Credit Platinum
Currently active with remaining validity days of more than 15 days	On being eligible, customer cannot add new membership to the currently active membership.	On being eligible, customer cannot add new membership to the currently active membership.
Currently active with remaining validity days less than 15 days	You will be able to claim your new membership within 90 days of being eligible and extend the validity of the current membership by 1 year.	You will be able to claim your new membership within 90 days of being eligible and extend the validity of the current membership by 1 year.

I forgot to claim the Times Prime Membership last time, how can I get the membership now?

In case you have not claimed your membership last time:

HDFC Bank Times Card Credit	HDFC Bank Times Card Credit Platinum
On completing 3 transactions in the current calendar quarter, you will get SMS/Email to claim membership again	On completing 1 transaction in the current calendar quarter, you will get SMS/Email to claim membership again

How will my Times Prime Membership get extended on expiry?

In case your current membership:

Scenario	HDFC Bank Times Card Credit	HDFC Bank Times Card Credit Platinum
Has expired,	On completing 3 transactions in the current calendar quarter, you will get SMS/Email to claim membership again	On completing 1 transaction in the current calendar quarter, you will get SMS/Email to claim membership again
Is expiring in current quarter	On completing 3 transactions in the current calendar quarter, you will get SMS/Email to claim membership again	On completing 1 transaction in the current calendar quarter, you will get SMS/Email to claim membership again
Is active for more than 90 days,	On completing 3 transactions in calendar quarter prior to expiry of membership, you will get SMS/Email to claim membership again.	On completing 1 transaction in calendar quarter prior to expiry of membership, you will get SMS/Email to claim membership again.

T&C on Times Prime Membership:

Cardholder will be entitled for a complimentary annual membership of Times Prime on fulfilment of eligibility criteria only.
A cardholder can avail only one Times Prime membership against his/her bank registered mobile number
An existing Times Prime member on being eligible, cannot add new membership to the currently active Times Prime membership. You may add the new membership to the existing membership, if the remaining validity is less than 15 days.

Platinum Edge

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.
Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Does HDFC Bank’s Chip Card contain a magnetic strip?

What are the benefits of a Chip Card?

Can a chip card be used for online transactions?

What in case the card is lost / Stolen?

AllMiles

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

What in case the card is lost / Stolen?

Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Can a chip card be used for online transactions?

What are the benefits of a Chip Card?

Does HDFC Bank’s Chip Card contain a magnetic strip?

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card...

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Business Platinum

Is there any mark-up fee for foreign currency transactions for Business Platinum Credit Card?

You will be charged 3.5 % of the transaction amount as a mark-up fee for foreign currency transactions.

What is the membership fee for the HDFC Bank Business Platinum Credit Card?

The Joining fee is Rs. 299 and the annual renewal membership fee is Rs. 299

Is there any fee to withdraw cash for Business Platinum Credit Card?

The cash withdrawal charge is 2.5% on the amount withdrawn or Rs. 300, whichever is higher. Finance charges will apply from the date of transactions.

How do I pay the membership fee for the HDFC Bank Business Platinum Credit Card?

The first year membership fee will be billed to the first statement of your HDFC Bank Business Platinum Credit Card. This will be the next monthly statement from the date of upgrade in case of upgrade cards.

What interest rate will apply for revolving balance for Business Platinum Credit Card?

Initial interest rate at card issuance will be 3.4% p.m. (40.8% p.a.) This can change periodically based on spends, payback and utilization patterns. The maximum interest rate, in the event of default will be 3.5% p.m. (42% p.a.) Cards issued against fixed deposit: 1.99% p.m. (23.88% p.a.) applicable from transaction date.

How can I upgrade my existing Business Platinum Credit Card?

A. Eligibility & process for upgrading your Credit Card to Business Regalia
Eligibility: Credit limit of Rs.2,50,000 or more
Process:
1. Click here to download Upgrade form for Business Regalia
2. Take print out and fill up the application form completely.
3. Tick Business Regalia option
4. Send duly filled up application form via post/courier to following address

The Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

B. Eligibility & process for upgrading your Credit Card to Business MoneyBack
Eligibility: Credit limit of upto 2,49,999
Process:
1. Click here to download Upgrade form for Business MoneyBack
2. Take print out and fill up the application form completely.
3. Tick Business MoneyBack option
4. Send duly filled up application form via post/courier to following address
The Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Business Gold

How do I pay the membership fee for the HDFC Bank Business Gold Credit Card?

The first year membership fee will be billed to the first statement of your HDFC Bank Business Gold Credit Card. This will be the next monthly statement from the date of upgrade in case of upgrade cards.

Is there any mark-up fee for foreign currency transactions for Business Gold Credit Card?

You will be charged 3.5 % of the transaction amount as a mark-up fee for foreign currency transactions.

Is there any fee when I withdraw cash for Business Gold Credit Card?

The cash withdrawal charge is 2.5% on the amount withdrawn or Rs. 300, whichever is higher.

Finance charges will apply from the date of transactions.

What is the membership fee for the HDFC Bank Business Gold Credit Card?

The Joining fee is Rs. 199 and the annual renewal membership fee is Rs 199.

What interest rate will apply for revolving balance for Business Gold Credit Card?

Is there any limit to Cashback/Surcharge Waiver on a Business Gold Credit Card?

Yes, Cashback and IRCTC Surcharge waiver on every feature is restricted to a maximum of Rs. 500 per statement cycle. Fuel surcharge waiver is restricted to a maximum of Rs. 250 per statement cycle.

How can I upgrade my existing Business Gold Credit Card?

The Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

MoneyBack

FAQ - MoneyBack Credit Card Spend Milestone Offer

What is the Spend Milestone Offer?

Under Spend Milestone Offer a MoneyBack customer need to spend Rs 50,000 in a Quarter to get Rs 500 e-voucher. The Offer start date is effective 1st April 2018

How is the Quarter defined?

Quarter is defined as a calendar quarter, For e.g. quarter 1 = 1st Apr’18 – 30th Jun’18.

What are the types of Spends that are considered for the offer?

The spend milestone program is valid for retail transactions only. Cash transactions, Dial-An-EMI, Cash-on-Call, Balance Transfer, Personal Loan on Credit Card, etc are not eligible.
Transactions which are reversed or cancelled will not be considered.
Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account Fees will not be considered for this offer.

Can a customer qualify for the offer multiple times in a Quarter?

A customer will be eligible only once in a quarter at any given point of time.
Even if a customer achieves higher spends during the period, customer will receive the Rs. 500 e-voucher only once.

What are the e-vouchers that will be offered?

As per the current program, a customer can choose (any one per quarter) from e-vouchers of Dominos, Book My Show, Big Bazaar, Bata, Levis, Woodland, Mainland China, and Myntra.
The list of merchants can change without prior notice at the Bank’s discretion.

How will customers get to know if they have qualified under the Offer?

Bank will communicate offer eligibility to the eligible MoneyBack customers for every calendar quarter
The communication will be sent within 90 days from the date of qualification. E.g. Eligible customers for the July-Sep quarter will get notifications before end of December basis the qualification date.
The eligibility will be communicated to customers on their Mobile No & email ID registered with the Bank, via SMS & email.

When will the E-voucher will be dispatched to customer?

Customers need to claim the-voucher by visiting the link given in the Eligibility Mailer, or by sending an SMS according to the Short codes given in the eligibility SMS. E-Vouchers will be triggered immediately to the customers on receipt of the-voucher choice

For how many days customer is eligible for the offer, after receiving eligibility Email and SMS?

The customer has to claim the-voucher (i.e. respond with the selected merchant name) within 60 days from the eligibility SMS/Mailer date.

Will customer get reminder of eligibility mailer & SMS?

Customers who have not claimed the e-voucher will be sent an eligibility Reminder on the 30th and 45th Day.

How long is a voucher valid?

An e-voucher will be valid for 90 days from date of issue.

What happens if a MoneyBack Card holder is getting Upgraded / Downgraded during the Quarter?

In case an existing MoneyBack credit card gets upgraded or downgraded during the program quarter to any other card variant, the customer will qualify for the quarterly spend benefit of MoneyBack credit card only if the Quarterly spend target is achieved before the date of upgrade/downgrade.
Spends calculation for Quarterly spends benefit on the new MoneyBack Credit Card variant will start from date of upgrade/downgrade.

If a customer is holding multiple cards can he club spends for offer eligibility?

If a customer has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the customer in order to qualify for the said offer.

Can a customer get the-voucher if he is classified as delinquent?

Customers classified as delinquent (as per Bank policy) at any time during the promotion or 30 days post the promotion will not be eligible for this program.

Can a customer opt for cash instead of E-voucher?

This offer is non-cashable, not extendable and non-negotiable.

Terms & Conditions - HDFC Bank MoneyBack Credit Card Spend Milestone Offer

The offer “Spend Milestone” is valid only for HDFC Bank MoneyBack credit card holders.
To be eligible for the offer, MoneyBack credit card holders need to spend the target amount within the program period.
Target spends to qualify for the program is Rs 50,000 retail spends in a quarter. The effective date of the program is 1st April 2018. Quarter is defined as calendar quarter, e.g. quarter 1 = 1st Apr’18 – 30th Jun’18.
Eligible MoneyBack credit card holders will get Rs. 500 e-voucher on meeting spends target. MoneyBack credit card holders have to claim the voucher within 60 days from the eligible date.
Bank will communicate customers offer eligibility at the end of every Quarter. The eligibility will be communicated to MoneyBack credit card holders on their mobile No & email ID registered with the Bank, Via SMS & email.
The communication will begin 45 days from the end of the quarter. E.g. Eligible customers for the July-Sep quarter will begin to get notifications from 15th November onwards till 31st December.
The spend milestone program is valid for retail transactions only. Cash transactions, cash-on-call, Balance Transfer, Personal Loan on credit card, Fee and Charges levied on the card are not eligible. Transactions which are reversed or cancelled will not be considered for offer eligibility.
MoneyBack credit card holders will be eligible only once in a quarter at any given point of time, in case MoneyBack credit card holders achieves higher spends during the period, MoneyBack credit card holders will receive the Rs. 500 e-voucher only once.
In case existing HDFC Bank MoneyBack credit card gets upgraded or downgraded during the program quarter to other card variant
o MoneyBack credit card holders will qualify for quarterly spend benefit of MoneyBack credit card only if Quarterly spend target is achieved before the date of upgrade/downgrade.
o Spends calculation for Quarterly spend benefit on the new MoneyBack Credit Card variant will start from date of upgrade/downgrade
MoneyBack credit card holders classified as delinquent (as per Bank policy) at any time during the promotion or 30 days post the promotion will not be eligible for this program.
This offer is non-cashable, not extendable and non-negotiable.
If a MoneyBack credit card holder has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the card member in order to qualify for the said offer.
Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account Fees will not be considered for this offer.
This offer is valid for Indian residents and citizens only.
HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add / alter / modify / change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether. Availing of the offer by MoneyBack credit card holders shall be deemed to be acceptance of the Terms and Conditions herein.
All others terms and conditions as per The Card Member Agreement will be applicable for the Offer.

How do I get maximum benefits from the Credit Card?

Click here to view Value Chart of MoneyBack Credit Card.

Snapdeal HDFC Bank

Can a chip card be used for online transactions?

Yes, the chip card can be used for online transactions; the card has to be registered for 'Verified by VISA' which ensures safe online transactions after which the card can be used online.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories; be it for Movie tickets, Travel, Shopping, Apparels, Online, etc. It can be used like a normal Credit Card.

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

How do I use a Chip Card?

A merchant has to dip the card in the POS terminal as opposed to swiping the card.

What in case the card is lost / stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost card. Other services like change of contact number, address, etc can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen card.
Further if you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the card.

Does HDFC Bank's Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip–enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don‘t have chip enabled terminal, the card can be swiped and transacted.

Can a Chip Card be used to withdraw cash for Snapdeal HDFC Bank Credit Card?

Yes a Chip Card can be used at any ATM to withdraw cash.

What if the merchant doesn't have a Chip Terminal?

In case the terminal doesn't have a Chip terminal, the card can also be swiped as before.

Can the Chip Credit cards be used at any place?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa cards are accepted. At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip–enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.

JetPrivilege HDFC Bank Diners Club

When will I get my Welcome/Renewal Bonus InterMiles?

Ans. The customer will be eligible for Welcome/Renewal Bonus InterMiles if the customer makes the minimum Spends Criteria within 30 days of the Card Set Up Date/ or the Renewal anniversary date. Your First Month Bonus InterMiles will be transferred to you INTERMILES number within 10 working days upon creation of Primary Card Holder’s Statement Generation date.

I Already have an IM Number and I have been issued a new IM Number with an upgraded card variant. What should I do?

Ans. You can reach out to the branch and place a written merger request wherein you can tell which number has to be merged, with the existing IM Number. Your InterMiles will get transferred to the merged/existing IM Wallet for the IM Account. This process will take 10 to 14 working days after validation.

Why are my Reward Points(InterMiles) being adjusted in my statement?

Ans. The customer must have cancelled a transaction. The InterMiles has already been transferred to the InterMiles Wallet linked to the InterMiles Account and hence the RP’s get adjusted for the InterMiles Accrued for the Cancelled Transactions from subsequent transactions.

Where can I redeem my InterMiles?

Ans. Your InterMiles can be redeemed across multiple platforms such as Flights, Hotel, Digistore, Fuel, Dining, Raffles etc. from the New InterMiles Website and InterMiles Android/IOS App.

https://flights.intermiles.com – Flights

https://hotels.intermiles.com - Hotels

https://digistores.intermiles.com - Vouchers

https://www.intermiles.com/earn-intermiles/programme-partners/fuel/iocl - IOCL

https://www.intermiles.com/use-intermiles - InterMiles website

Does HDFC Bank’s Chip Card contain a magnetic strip?

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories; be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

How do I use a Chip Card?

Will the 2X InterMiles be applicable only if the ticket is booked online through IM website or via app?

Will the Rs.1000 discount voucher be applicable only on booking done through InterMiles Site?

Ans. Yes, for InterMiles HDFC Bank Diners Club Credit Card, the Rs.1000 discount voucher can be used only for online booking on a minimum booking of INR 6000 of through InterMiles websites only (https://www.intermiles.com/flights). This discount is against the base fare. This has been mentioned on the InterMiles HDFC Bank Diners Club Credit Card Product Page, Terms and Conditions under the head “Renewal Benefits”.

How will I earn the Reward Points on my InterMiles HDFC Bank Co-Brand Credit Card?

Ans. On these card you earn InterMiles through your retail spends. These InterMiles will get transferred to your InterMiles Membership number as provided by you, periodically.

Business MoneyBack

What are the features and benefits of a Business MoneyBack Credit Card?

Rewards Points
- 4 Reward Points for every Rs.150 spent on Air/Travel/Hotel/Restaurant and online spends.
- 2 Reward Points for Rs 150 on other expenses (Except fuel)
- Redeem Reward points for CashBack 100 Reward Points = Rs 20
Reward Point Redemption
- Accumulated Reward Points can be redeemed for CashBack @ 100 Reward Points = Rs. 20 & min. redemption amount should be of Rs. 2500.
- Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate. Click here for further details.
- Reward redemption fee of Rs. 99 per request will be applicable on all redemptions.

Fuel surcharge waiver
Fuel surcharge waived off on fuel transactions of Rs. 400 to Rs. 5000, maximum waiver of Rs.250 per statement cycle.
Safe & Secure Transactions
DIP your Chip Card at any Chip enabled POS or swipe your card at any non-chip POS (Regular POS).
Zero liability on lost card
If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.
Revolving Credit
Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.
Interest free credit
Avail up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).
Exclusive Business Saving through Offers
Click here for exclusive offers on your HDFC Bank Business Credit Card.

What are the fees and charges applicable to a Business MoneyBack Credit Card?

Please click here to view the fees and charges applicable on your Business MoneyBack Credit Card.

Goods and Services Tax (GST)

Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.

What are the benefits of a Chip Card?

Can a chip card be used for online transactions?

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the card can be swiped and transacted.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip card into a POSTerminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

Maruti Suzuki NEXA HDFC Bank AllMiles Credit Card

What are the merchant categories wherein the Chip card can be used?

The Chip card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal credit card.

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.

Does HDFC Bank’s Chip Card contain a magnetic strip?

Can Chip Credit cards be used anywhere?

Yes, your HDFC Bank Chip Credit card can be used anywhere in the world wherever MasterCard are accepted.

At a chip-enabled terminal, you can insert your Chip card into a POS Terminal. If you are using your Chip card at a location that does not have a chip-enabled terminal, your card will be swiped and the transaction will be completed with your signature as in case of a regular card transaction.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular card.

Central Travel Account

What are the features and benefits of a Central Travel Account?

CTA allows for centralized approval and payment
Eliminates multiple invoices & reimbursements
Net fare charged by Airlines gets debited to Card.
Customized MIS reports for better business decisions
Spends analysis by category & various other expense reports available
Airline / Hotel / Merchant wise break up reports
Substantial savings for the business through better negotiations with airlines, hotel chains, etc.
Streamlines accounting procedures by consolidating transaction data from around the world
Ability to integrate with corporate ERP systems
Minimizes paperwork and simplifying reconciliation and compliance tasks

What are the fees and charges applicable to a Central Travel Account Credit Card?

Please click here to view the fees and charges applicable on your Central Travel Account Credit Card.

Goods and Services Tax (GST)

Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.

How do I apprise HDFC Bank of disputed transactions on my Central Travel Account?

You may write an email to Corporateassist@hdfcbank.com after filling the details in the dispute form. Subsequent to submission of the form, the bank intimates the Travel management company (TMC) / Merchant of the disputed transaction. Bank will also give a memo credit on the account till the time TMC/ Merchant provides all the relevant documents to substantiate the respective transaction.
Please click herethe link below to view the progressive dispute form. https://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

I have applied for a Central Travel Account - would like to know the status?

Click on the below link to check the status of your credit card application. http://www.hdfcbank.com/personal/credit_card/cc_track

How can I change / update address on my Central Travel Account?

You can change / update the Address by writing an email to corporateassist@hdfcbank.com. You can also change it online by logging on to the HDFC Bank Corporate Portal.
OR
You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards
Fill in the details in the form and send it to:
Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Why is the customer required to fill a cardholder dispute form (CDF) to report transaction dispute?

As per master / visa guidelines, all card holders should provide a duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank.
Pls click on link below to view the cardholder dispute form.
http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

I do not want statements to be sent to my mailing address. How do I stop the same?

We request you to download the physical statement suppression MID (Most Important Document) from HDFC Bank form center and send the duly signed form to our correspondence address.

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Business Regalia First

What are the features and benefits of a Business Regalia First Credit Card?

Unparalleled Savings
As part of our elite circle, you enjoy world-class privileges and great saving opportunities. Enjoy annual business savings of more than Rs. 21,000 on your Business Regalia First Credit Card. Click Here to know how.
Airport Lounge programme: Business Regalia First Credit Card
Access to International lounges through Priority Pass membership
Priority Pass Membership for preferential and free access to over 850+ international lounges around the world. Enjoy refreshments and use facilities including phones, faxes, and Internet and conference rooms.
The Add on card member is also eligible for a Priority Pass membership. The Primary card holder and the Add on member can jointly have 3 free access to the Priority Pass lounges every year

How to apply for Priority Pass?
Priority Pass membership is on request. Customer has to complete 4 transactions in any statement within the first 90 days to be eligible for Priority Pas membership. Upon completing the 4 transactions in a statement cycle, a link on which Priority Pass could be applied will be sent to customer.
If you want to apply Priority Pass for your add on member, please write to customerservices.cards@hdfcbank.com
Visit www.prioritypass.com for list of lounge & more details.
Accesss to Domestic lounges:
Business Regalia First customers can avail the Visa and Master Card Lounge access programmes.
Please click here to know more about VISA lounge programme.
Please click here to know more about Master Card lounge programme.

EXCLUSIVE DINING PRIVILEGES
- Your Business Regalia First Credit Card entitles you to Exclusive Dining Privileges at over 300 premium restaurants at leading Hotel Chains in the country like Vivanta by Taj, Marriot Hotels, Hyatt Hotels and many more. Enjoy complimentary delights and savings each time you present your Business Regalia First Credit Card.
  
  Click Here to discover the privileges.
  
  Click Here for detailed Terms and Conditions.

BEST-IN-CLASS REWARDS PROGRAMME
- Splurge to your heart’s content with the best-in-class rewards programme on your Business
- Regalia First Credit Card.
- 4 Reward points for every Rs. 150 spent
  - Accumulate and redeem Reward Points for:
    - Travel and entertainment bookings on www.hdfcbankregalia.com
    - Exciting gifts from an exclusive rewards catalogue
  - Alternately, you can convert Reward Points into AirMiles of leading domestic and international airlines.
    *Terms & Conditions:
    a. Only retail purchases qualify for Reward Points. Easy EMI, Wallet loading transactions, Fuel, Cash advance, fees and other charges do not accrue any reward points.
    b. Transaction amounts less than Rs. 150 will not accrue any Reward Points.
    c. Payment of at least Minimum Amount Due is required even if you are redeeming your Reward Points against outstanding on your Card Account.
    d. Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
    e. Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.
    f. Reward redemption fee of Rs. 99 per catalogue/dedicated portal rededmption request.
    g. Reward point redemption rate will Rs. 0.30 per RP for portal redemptions.
    h. Reward points will lapse for card in inactive or Dormant status for more than 365 days.
    i. Reward points are valid only for 2 years from the date of accumulation.
    Eg : If you have received reward points in the month of June 2017, then same will expire in June 2019.
PREFERENTIAL FINANCIAL BENEFITS
- Enjoy up to 50 days of interest free credit and manage your payments at your convenience. You can choose to pay only the minimum amount due (5% of total amount due subject to a minimum of Rs.200) and carry forward the balance amount to next month at an extremely low interest charge of just 3.49% per month.
- Fuel surcharge waived off on fuel transactions of Rs. 400 or more, maximum waiver of Rs.500 per statement cycle.
- Enjoy lowest foreign currency markup of 2% on all your foreign currency spends
EXCLUSIVE TRAVEL AND ENTERTAINMENT PORTAL
Unleash the power of your Reward Points like never before on www.hdfcbankregalia.com , an exclusive portal for Business Regalia First credit cardholders.
You can choose to redeem your Reward Points instantly against:
- Airline ticket booking
- Hotel booking
COMPREHENSIVE PROTECTION
To show how much we care, we offer comprehensive insurance* covers against various risks you might face.
Air Accidental death :
In case of death in an Air accident, your nominated kin will receive a compensation of Rs.30 lakhs
If you are a Business Regalia First card holder, Click Here to update your nominee details.
Emergency Overseas Hospitalization:
Protection worth up to Rs.10 lakhs against any medical emergency when you are travelling, and are outside your home country
HDFC Ergo General Insurance Company
Reach @ + 800-0825-0825 (Global toll-free) and 0120 - 4507250

Claim Documents to be sent to
HDFC Ergo General Insurance Company Ltd
5th Floor, Tower 1, Stellar IT Park, C-25, Sector- 62, Noida - 201 301
*Terms & Conditions
- Not Applicable for NRI Business Regalia First Credit Card
- All the above insurance covers are available to the Primary card holder only.
- Air Accident cover will be activated if the tickets are purchased using Business Regalia First Credit Card.
- Travel Insurance provided under the policy shall not be valid for procuring a travel visa.
- Travel Insurance provided shall be valid for International Travel only.
- Maximum Trip Duration is restricted to 30 Days.
- The insurance benefit is applicable for the primary card holders only
- Please note that all the above insurance covers will be available only after the Cardmember activates his/her Business Regalia First Credit Card.
- Activation is defined as ‘first purchase at a retail outlet or cash withdrawal from an ATM using the Business Regalia First Credit Card’.
- These insurance covers are not provided by HDFC Bank. Additional Exclusions / Limitations are applicable as per the policy of the insurance company with whom HDFC Bank has tied up for providing these covers. Please contact the insurance company for detailed T&Cs.

What are the fees and charges applicable to a Business Regalia First Credit Card ?

Please click here to view the fees and charges applicable on your Business Regalia First Credit Card

Goods and Services Tax (GST)

Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.

Can a chip card be used for online transactions?

What are the benefits of a Chip Card?

How do I use a Chip Card?

A merchant has to tap the card in the POS terminal as opposed to swiping the card.

Step1: Tap the card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

Does HDFC Bank’s Chip Card contain a magnetic strip?

Can HDFC Bank Chip cards be used as a normal Swipe card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Credit Card Bills

HDFC Bank Account

How does this facility help me in paying my Credit Card bills?

This facility enables you to pay your HDFC Bank Credit Card bills online from any of your non-HDFC Bank accounts. You can choose from over 49 banks part of this facility.

Is my bank included as part of this facility?

Click Here to check if your bank is included for this facility.

How do I make the payment online?

You will require the NetBanking login ID and password of your non-HDFC Bank account for making the payment. Simply click here and follow the steps.

Will I get a confirmation on successful transaction?

After the payment is made, you will be shown an acknowledgement screen, which will display the status of the transaction. This will show 'SUCCESS' in case of successful transactions and 'FAILURE' in case of failed transactions. This screen will also contain the transaction reference number. Please note this down and quote this in case of any transaction queries. An email acknowledgement will be sent to your email ID, only if you have furnished your email ID while making the payment.

How long will it take for the amount to be credited to my HDFC Bank Credit Card?

The amount authorised by you will be credited to your HDFC Bank account within 2 working days. (Please exclude weekends and bank holidays).

What should I do if I’ve entered the wrong Credit Card number?

In order to ensure accuracy, we insist that the card number is entered twice and checked before authorising the payment. However in the rare scenario that a payment is made to a wrong Credit Card account, we request you to call our Customer Care Centre.

If the bank I would like to pay from does not feature in the list, what should I do?

It is our constant endeavour to add more banks to this service and make things easy for you. However, if your bank is not listed, you can make the payment using NEFT using IFSC code HDFC0000128.

Diners Club Black

What is a welcome membership benefit?

HDFC Bank Diners Club Black Credit card members are eligible for annual memberships of the following partners - Club Marriott, MMT Black, Swiggy One, Amazon Prime, Times Prime Smart, Forbes Digital subscription, as a welcome benefit upon achieving spends of 1.5 lakhs within the first 90 days or upon joining fee realisation. Card member will receive the benefits within 30 days of meeting eligibility condition.

What is an annual membership benefit?

An HDFC Bank Diners Club Black Credit Card member upon achieving annual spend milestone of Rs. 8 Lakhs, is eligible for annual memberships of the following partners - Club Marriott, MMT Black, Swiggy One, Amazon Prime, Times Prime Smart, Forbes Digital subscription.

Please note – Card member will receive the benefits within 30 days of card anniversary date.

What is a monthly milestone benefit?

An HDFC Bank Diners Club Black Credit Card member member upon achieving monthly spend milestone of Rs 80,000/-, is eligible for any two vouchers from choice of Ola select monthly membership, Curefit monthly membership, BookMyShow voucher worth Rs. 500 and TataCLiQ voucher worth Rs. 500.

Please note – Card member will receive the benefits within 30 days of completion of the month. The transaction settlement date is considered for calculating the eligibility of this offer and not transaction date.

How do card members get to know if they have won the memberships or monthly milestone benefit?

All winners will receive an email and sms communication within the TAT providing a link to download the benefits. Card member can go to the link, validate with the registered mobile no and first 4 – last 4 digits of card and can download the eligible benefits.

What are the Reward Points benefits on the card?

A card member can earn 5 Reward Points on every Rs. 150 spent. Redeem their accumulated Reward Points against air tickets, hotels, and international experiences at 1 reward point = 1 rupee, and gifts from our catalogue at 1 reward point = 0.50 Paise by visiting https://offers.smartbuy.hdfcbank.com/diners

Are there any accelerated reward offers on the card?

Get 10X Reward Points on selected Diners 10X Partners & upto 10X RP on SmartBuy. 
Be it travel, shopping, entertainment or groceries, now you have more ways to earn upto 10X Rewards with your HDFC Bank Diners Club Credit Card. Now enjoy upto 10X Reward Points on all purchases in SmartBuy while you Compare and Shop, Compare and Fly and shop with brands like Flipkart, Amazon, redBus, Cleartrip & Yatra, etc. on SmartBuy.

Maximum cap on the incremental Rewards on Diners 10X Partner is 25000 & on SmartBuy is 7500 in a month

Please check www.hdfcbankdinersclub.com for monthly update.

2X Reward Points is applicable on spends at standalone restaurants during weekends. Maximum cap for 2X on weekend dining for a card member is 1000 Reward Points per day

What is the lounge access benefit on my card?

Diners Club Black card members can enjoy unlimited complimentary airport lounge access to over 1000 partner lounges worldwide. Lounge visit is complimentary for both primary and add-on Card holders.

Please note: Add-on card member must present the add-on card at the lounge for the benefit.

What is the golf program on my Diners Black card?

Card member can enjoy access to leading golf courses in India and overseas and enjoy complimentary golf games (6 per quarter) across the finest courses in the world along with 24x7 booking assistance by calling concierge.

Are there any dining and wellness related offers on the card?

Yes. As an HDFC Bank Diners Club Black Credit Card customer, you can enjoy exclusive discounts at leading spas, salons, gyms etc. Also enjoy up to 15% discount on select dining experiences. Access 3000+ fine dining offers across the country and 1,400+ offers with partners in over 70 different countries.

For wellness benefits visit: https://hdfcbankdinersclubwellness.poshvine.com/

For dining benefits visit: https://offers.smartbuy.hdfcbank.com/deals

What all services can I avail from CONCEIRGE?

Diners Club Black card members can get global services at its finest from the concierge desk. Services like Airport VIP service (meet-and-greet), International gift delivery and shopping services, Private dining assistance, Itinerary and event planning along with reservation assistance etc.

Concierge Services Desk: Toll-free: 1800-118-887 | Landline: 022 4232 0226

What are the interest rates, insurance benefits and other charges on my Diners Black card?

Air accident cover of 2 crores
Emergency overseas hospitalization: Rs 50 Lakhs
Credit liability cover of upto Rs 9 Lakhs
Travel Insurance cover of upto Rs 55000 on baggage delay (Capped to $10 per hour restricted to 8 hours)
Lowest revolving credit interest rate of 1.99% per month
Fuel surcharge waiver of 1% (Max waiver of Rs 1000 per statement cycle)
Low Foreign Currency Markup fee of 1.99%

Am I eligible for a HDFC Bank Diners Club Black credit card? If yes, what is the fee applicable on my card?

Eligibility Criteria: You are eligible for HDFC Bank Diners Club Black Credit Card based on the following:

Age: Min 21 yrs & Max 60 yrs; and Income: Net Monthly Income > Rs 1.75 Lakhs per month for salaried customers
Age: Min 21 yrs & Max 65 yrs; and Income: ITR > Rs 21 Lakhs per annum for self-employed customers

Fees and Charges:

HDFC Bank Diners Club Black credit card has an annual Membership fee of Rs. 10000 + Applicable Taxes.

Upon annual spend of Rs. 5 Lakhs, Enjoy Renewal Fee waiver for next renewal year.

To know more, please visit https://www.hdfcbankdinersclub.com/diners-club-black

Diners Club Premium

How do I earn reward points on the card?

A card member can earn 4 Reward Points on every Rs. 150 spent on the card.

- 10X reward points on Diners 10X partners (Max Cap of 5000 in a month) - Rewards Points will not be accrued for fuel transactions - EasyEMI and e-wallet loading transactions will not accrue Rewards Points.

- Rewards Points accrued will be reversed if a retail transaction is converted into SmartEMI.

- Rewards Points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

How do I redeem the accumulated Reward Points?

o Redeem reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com. (1 Reward Point = Rs. 0.5)

o You can also redeem Reward Points for AirMiles across Jet Airways (JPMiles), or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.50 AirMile)

o Or Redeem Reward Points on exclusive reward redemption catalogue for HDFC Bank Diners Club Premium Credit Card by visiting ttps://offers.smartbuy.hdfcbank.com/diners

o For flight and hotel bookings, card members can redeem up to maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.

o Points accumulated on the card can also be redeemed as CashBack basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.

Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption

Redemption will happen in multiples of Rs 500

Through PhoneBanking

You shall contact our PhoneBanking number to redeem the points through call

Through POST

You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

What is the renewal benefit on the card?

- Enjoy Renewal Benefit of 2500 Reward Points on your HDFC Bank Diners Club Premium credit card upon realization of renewal fee. Renewal Benefit of 2500 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.

What is the lounge access benefit on my card?

HDFC Bank Diners Club Premium card members can enjoy 6 complimentary airport lounge access to over 1000 partner lounges worldwide in a calendar year. Lounge visit is complimentary only for primary card holders. Please visit the website for list of lounges.

All visits exceeding the complimentary limit will be charged at the prevailing lounge rate inclusive of taxes.

These charges will be billed on your subsequent statement within 60 days of date of visit. Currency conversion rate is applicable as on the date of settlement

What all services can I avail from the conceirge?

All your travel booking needs will be taken care by the concierge. Enjoy exclusive 24/7 Concierge Services by simply calling: 1800 209 4006 (Toll Free)

Are there any dining related offers on the card?

Yes. As an HDFC Bank Diners Club Premium Credit Card customer, you can enjoy up to 15% discount or other benefits at the finest restaurants. With exclusive offers and rewards in every bite, gift yourself and your family an enjoyable dining experience.

Click here to locate offers near you

Global Dining Offers

Revel in special Diners Club rewards and world-class experiences in dining, travel and entertainment. Diners Club Privileges has more than 1,400 offers with partners in over 70 different countries to enhance every leg of your journey.

Click here to locate Diners Club Privileges

What are the interest rates, insurance benefits and other charges on my Diners Premium card?

• Air accident cover of 1 crore

• Medical emergency insurance cover of up to ₹ 25 lakhs

• Credit liability cover of upto Rs 9 Lakhs

• Travel Insurance cover of upto Rs 55,000 on baggage delay (Capped to $10 per hour restricted to 8 hours)

• Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee is applicable only for fuel transactions between Rs. 400 to Rs. 5000(Maximum waiver of INR 500 per statement cycle)

• Low Foreign Currency Markup fee of 2%

Credit :

Revolving Credit Interest rate of 3.49% per month will be charged on any outstanding amount carried beyond the bill due date

What is the First year and renewal Membership Fee on my card?

HDFC Bank Diners Premium credit card has an annual Membership fee of Rs. 2500 + Applicable Taxes.

Upon annual spend of Rs. 3 Lakhs, enjoy Renewal Fee waiver for next renewal year.

Renewal Benefit of 2500 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.

Please click here to know most important terms and conditions and schedule of charge. P

To know more, please visit https://www.hdfcbankdinersclub.com/diners-club-premium

Diners Club Rewardz

How do I earn reward points on the card?

A card member can earn 3 Reward Points on every Rs. 150 spent on the card.

- 10X reward points on Diners 10X partners (Max Cap of 2000 in a month) - Rewards Points will not be accrued for fuel transactions - EasyEMI and e-wallet loading transactions will not accrue Rewards Points.

- Rewards Points accrued will be reversed if a retail transaction is converted into SmartEMI.

- Rewards Points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

How do I redeem the accumulated Reward Points?

Redeem reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com. (1 Reward Point = Rs. 0.3)
You can also redeem Reward Points for AirMiles across Intermiles or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.30 AirMile)
Or Redeem Reward Points on exclusive reward redemption catalogue for HDFC Bank Diners Club Rewardz Credit Card by visiting https://offers.smartbuy.hdfcbank.com/diners
For flight and hotel bookings, card members can redeem up to maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.
Points accumulated on the card can also be redeemed as CashBack basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.

Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption

Redemption will happen in multiples of Rs 500

Through PhoneBanking

You shall contact our PhoneBanking number to redeem the points through call

Through POST

You can download the form

The letter may be sent to the following address: Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

What is the renewal benefit on the card?

- Enjoy Renewal Benefit of 1000 Reward Points on your HDFC Bank Diners Club Rewardz credit card upon realization of renewal fee. Renewal Benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.

What all services can I avail from the conceirge?

All your travel booking needs will be taken care by the concierge. Enjoy exclusive 24/7 Concierge Services by simply calling: 1800 209 4006 (Toll Free)

What are the interest rates and other charges on my Diners Rewardz card?

Low Foreign Currency Markup fee of 2%

Credit :

Revolving Credit Interest rate of 3.49% per month will be charged on any outstanding amount carried beyond the bill due date

What is the First year and renewal Membership Fee on my card?

HDFC Bank Diners Rewardz credit card has an annual Membership fee of Rs. 1000 + Applicable Taxes.

Upon annual spend of Rs. 1 Lakh, enjoy Renewal Fee waiver for next renewal year.

Renewal Benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.

Please click here to know most important terms and conditions and schedule of charge. Please click here to know most important terms and conditions and schedule of charge

To know more, please visit https://www.hdfcbankdinersclub.com/diners-club-rewardz

Corporate Platinum

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions
HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How can I change / update address on my Corporate Credit Card ?

You can change / update the Address by writing an email to the regional corporate assist team. You can also change it online by logging on to the HDFC Bank Corporate Portal.

Region	Email ID
North	[email protected]
West	[email protected]
South	[email protected]
East	[email protected]
Payment Apportionment mails (PAN India)	[email protected]

OR

You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards

Fill in the details in the form and send it to:
Manager, HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Corporate Visa Signature

How can I change / update address on my Corporate Credit Card ?

You can change / update the Address by writing an email to the regional corporate assist team. You can also change it online by logging on to the HDFC Bank Corporate Portal.

Region	Email ID
North	[email protected]
West	[email protected]
South	[email protected]
East	[email protected]
Payment Apportionment mails (PAN India)	[email protected]

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Corporate World MasterCard

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How can I change / update address on my Corporate Credit Card ?

You can change / update the Address by writing an email to the regional corporate assist team. You can also change it online by logging on to the HDFC Bank Corporate Portal.

Region	Email ID
North	[email protected]
West	[email protected]
South	[email protected]
East	[email protected]
Payment Apportionment mails (PAN India)	[email protected]

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Corporate Premium Card

How can I change / update address on my Corporate Credit Card ?

You can change / update the Address by writing an email to the regional corporate assist team. You can also change it online by logging on to the HDFC Bank Corporate Portal.

Region	Email ID
North	[email protected]
West	[email protected]
South	[email protected]
East	[email protected]
Payment Apportionment mails (PAN India)	[email protected]

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Purchase Card

How can I change / update address on my Purchase Credit Card ?

You can change / update the Address by writing an email to [email protected]. You can also change it online by logging on to the HDFC Bank Corporate Portal.

OR

You can change / update the Address on your Credit Card account by downloading the Application form for the change of Contact details – Credit cards

Fill in the details in the form and send it to:
Manager,

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

Business Regalia

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

World MasterCard

How to redeem the reward points?

Points accumulated on the card can be redeemed as CashBack (1 Point = Re.1) basis request form available at form center. Please read the T&C carefully before sending the duly filled cash back redemption form to our Chennai address.
Request can be made through Net Banking after logging to your account. Cards--> Enquire --> Redeem Reward Points --> Cash Redemption
Redemption will happen in multiples of Rs 500

Through PhoneBanking
You shall contact our PhoneBanking number to redeem the points through call

Through POST
You can download the form

The letter may be sent to the following address:Click here for Terms & Conditions

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

IndianOil HDFC Bank Credit Card

FEATURES AND BENEFITS RELATED:

What are Fuel Points?

Fuel Points are an exclusive Rewards metric system created only for IndianOil HDFC Bank Credit Cardholders. You earn Fuel Points on retail spends you make through your IndianOil HDFC Bank Credit Cards and accelerated Fuel Point accrual on key categories like your Fuel spends (Only* at IndianOil Retail outlets), Groceries and Utilities as mentioned in the Product Features and Benefits

*Accelerated 5% Fuel Points benefit will be given only for non-UPI transactions done at IndianOil Retail Outlets. Click here for fuel points on UPI transactions on IOCL card.

Please note that Fuel points will be posted as Reward Points only.

Can I get Fuel Point on all spends?

Fuel Points can be accrued on all kinds of Retail Spends that include both Online and Point of Sale (PoS) transactions. However, there are few kinds of transactions for which you will not get Fuel Points. They are:

Fuel transactions at other petrol pumps
Any kind of wallet-loading
On Returned purchases, disputed or unauthorized/fraudulent transactions
EMI Transactions
Account Fees and Payment
Purchase of jewellery/gold coins or its equivalents

How do I check my balance Fuel Points?

Fuel Points accrued on all eligible transactions posted within the calendar month will be added up and credited on the 1^st of the next calendar month. Please note that maximum capping will be applied before crediting them.

A. You can check the Fuel Points accrued for the previous calendar month’s transactions posted on the current month statement shared with you (Physical or E-statement)

B. You can also check by Logging into:

NetBanking -> Cards Tab -> Click on “Enquiry” -> Reward Points Redemption -> Choose your IndianOil HDFC Bank Credit Card Number -> View total Fuel Points accrued

How do I calculate Fuel Points on my spends?

Fuel points are calculated on the spends made within the calendar month and the transactions made within the statement cycle to statement cycle. To check for the Fuel Points accrued, refer to your current Statement and your previous statement.

For example: Your Statement is received on every 18^th of the month. The Fuel Points accrued for your transactions from 1^st of August till 31^st of August will be calculated and posted on the 1^st of September and the same can be seen when you receive your statement on 18^th of September. For calculating the same on your own, refer to your August month statement and your September month statement. Below shows an illustration on how to calculate:

AUG STATEMENT
NO	TXN DATE	TXN AT:	AMT (In Rs.)	RP TYPE: 5% OR GENERAL	RP ACCRUED	COMMENTS
1	20th July	Restaurant Bill Payment	900	1 RP for every Rs. 150 spent	6	Don't consider this transaction. RP for this will be posted on 1st Aug and shown in your 18th Aug statement
2	27th July	Flipkart online	500	1 RP for every Rs. 150 spent	3	Don't consider this transaction. RP for this will be posted on 1st Aug and shown in your 18th Aug statement
3	30th July	Groceries - Online	400	5% RP	20	Don't consider this transaction. RP for this will be posted on 1st Aug and shown in your 18th Aug statement
4	1st Aug	IndianOil Outlet	1500	5% RP	75	Consider this Txn
5	5th Aug	Amazon	2000	1 RP for every Rs. 150 spent	13	Consider this Txn
6	11th Aug	Post Paid Bill payment	700	5% RP	35	Consider this Txn
7	16th Aug	Myntra Online Shopping	600	1 RP for every Rs. 150 spent	4	Consider this Txn

SEPT STATEMENT
NO	TXN DATE	TXN AT:	AMT (in Rs.)	RP TYPE: 5% OR GENERAL	RP ACCRUED	COMMENTS
1	20th Aug	Electricity Bill Payment	1200	5% RP	30	Consider this Txn
2	26th Aug	Swiggy	300	1 RP for every Rs. 150 spent	2	Consider this Txn
3	30th Aug	Groceries - Online	1000	5% RP	50	Consider this Txn
4	2nd Sept	IndianOil Outlet	1500	5% RP	75	Don't consider this transaction. RP for this will be posted on 1st Oct and shown in your 18th Oct statement
5	4th Sept	Water Bill Payment	400	5% RP	20	Don't consider this transaction. RP for this will be posted on 1st Oct and shown in your 18th Oct statement
6	13th Sept	Restaurant Payment	1000	1 RP for every Rs. 150 spent	6	Don't consider this transaction. RP for this will be posted on 1st Oct and shown in your 18th Oct statement

TOTAL RP POSTED FOR ALL ELIGIBLE AUGUST MONTH TRANSACTIONS ARE:

209

I have spent more than Rs. 5000 on Petrol/Diesel/CNG in a calendar month. However, why I received only 150 FP. Why?

Please Note that there is a monthly capping on Fuel Points accrued on the below mentioned spends.

Spends at IndianOil Outlets –

- Monthly Max cap for the first 6 months from card issuance: 250 FP
- Monthly Max cap post 6 months: 150 FP
Spends on Groceries – Monthly Max cap: 100 FP
Spends on Utilities and Bill Payments – Monthly Max cap: 100 FP

I bought items from Amazon which along included vegetable oil as well. Why didn’t I get 5% FP on this transaction?

Eligibility for Fuel Points on transaction is basis the Merchant Category Code (MCC) captured for the transaction. Only those MCCs recognized and considered by Partner Networks (Visa/RuPay) for the above mentioned categories will accrue 5% Fuel Points (FP). If your transaction didn’t accrue any FP, it is because it is not recognized as Fuel/Groceries/Utilities/Bill Payment as per standard Merchant Category Code

What is IndianOil XTRAREWARDS^TM PROGRAM that is mentioned in the Product Features?

IndianOil XTRAREWARDS^TM PROGRAM is an exclusive Loyalty Rewards Program owned and run by Indian Oil Corporation Ltd. This Loyalty program rewards the customers enrolled with them by awarding XTRAREWARD^TM Points (XRP) on every transaction at any IndianOil Retail Outlet and also allowing the Customer to redeem these accrued Points at participating IndianOil Retail Outlet for free fuel.

For more details on this program, visit, https://www.xtrarewards.com

IndianOil HDFC Bank Credit Cardholders will get this Membership automatically and for free along with their credit cards. Your Membership will stay valid even after close of this Card or upgrade/migration to another HDFC Bank Credit Card. However, you will no longer be able to convert Fuel Points to XTRAREWARD Points for Fuel Redemption.

Should I register for XTRAREWARDS^TM Program? If so, how to I enroll myself for it?

IndianOil HDFC Bank Credit Cardholders are automatically and mandatorily registered with IndianOil XTRAREWARDS^TM Program during the time of Credit Card issuance.
Once the Customer is automatically registered, you will receive an SMS on your registered mobile number from IndianOil, with the confirmation of your XTRAREWARDS^TM Program account successfully been created along with an XTRAREWARDS^TM Customer ID (XR CID).
In case you haven’t received the confirmation SMS within 5 business days of receiving your Credit Card, please connect with the Bank for resolution.

Post creation of your XR CID, you could also install “IndianOil ONE” App from Android Play Store or IOS App store (Not mandatory) to help keep track of your XRP Balance and Transactions

Note: XR CID is created by Indian Oil for the purpose of redeeming points against free fuel. This is different from the Customer ID maintained with the Bank.

What If I wish to cancel my membership with IndianOil XTRAREWARDS Program?

Having Customer ID with XTRAREWARDS Program is necessary since without this membership, you cannot convert Fuel Points accrued on your credit card into XTRAREWARD^TM POINTS and use them at IndianOil Fuel Outlets for free fuel redemption. Also, having this XR CID is critical to receive information or any status update on your XTRAREWARDS^TM Program account with IndianOil.

I already have an existing XTRAREWARDS Program Customer ID. Can I still apply for an IndianOil HDFC Bank Credit Card?

Yes. You can still apply for an IndianOil HDFC Bank Credit Card. In this case, instead of creating a new XR CID, your existing XR CID will be merged with this program and you can start converting Fuel Points into XRP and use XRP to redeem free fuel at participating IndianOil Fuel Outlets.

NOTE:

Make sure that your Mobile Number registered with the Bank is the same as the mobile number registered with IndianOil XTRAREWARDS^TM Program
In case the registered Mobile Number with the Bank is different from the one registered with IndianOil XTRAREWARDS^TM Program, or for any questions or help, you can seek assistance through:

CALL CENTRE: 1800-200-5611 (Toll-free)

IVR HELP LINE: 1800 22 4111 (Toll-free)

E-MAIL: help@xtrarewards.com

FUEL POINTS REDEMPTION BASED FAQS:

How do I redeem FP for free fuel?

To redeem Fuel Points for Free Fuel,

Convert your accrued Fuel Points into XTRAREWARD^TM Points (XRP)
Use XRP at participating IndianOil Outlets for free fuel

To locate your nearest IndianOil Petrol Outlet, click here

Click here to know more

I had logged into NetBanking to convert my Fuel Points into XTRAREWARDS^TMPOINTS. My Fuel Points got deducted from my Card Account but I still haven’t received my XTRAREWARDS^TM POINTS. What do I do?

Please ensure that your latest mobile number is updated on IndianOil XTRAREWARDS^TM Membership, else your redemption will not get processed successfully.

In case of any questions or help, you can seek assistance through:

CALL CENTRE: 1800-200-5611 (Toll-free)

IVR HELP LINE: 1800 22 4111 (Toll-free)

E-MAIL: help@xtrarewards.com

With respect to Fuel Points, if your XTRAREWARDS^TM POINTS are not credited to your XTRAREWARDS^TM Program Account within 72 hours, then your Fuel Points will be credited back into your Credit Card account within 7-10 business days

XRP can be tracked on https://www.xtrarewards.com or from the POS Terminal at the participating IndianOil Retail Outlet. You can also SMS a query XRP <IOCL XRP Card No> to 9223177998. Alternatively, you can also check your XRP Balance from IndianOil ONE app

Can I make partial payments using XTRAREWARD POINTS^TM?

Yes, Post verifying that the IndianOil Retail outlet is a Participating Outlet, check with the Merchant on Payment option using XTRAREWARD^TM POINT. Redemption process flow is mentioned in Q2. If you are unable to pay your fuel bill entirely through XTRAREWARD^TM POINTS (XRP), Then you can partially pay through XRP and partially through your IndianOil HDFC Bank Credit Card.

11. How do I maximize benefit from the IndianOil HDFC Bank Credit Card?

Click here to view Value Chart of IndianOil HDFC Bank Credit Card.

6E Rewards - IndiGo HDFC Bank Credit Card

What is a 6E Prime addon voucher?

6E Prime addon voucher provides for a choice of seat,Meal Combo , priority check-in and quicker baggage clearance .

What are the key features of the 6E Rewards-IndiGo HDFC Bank Credit Card?

- 2.5% 6E Rewards on spends done on IndiGo website & app

- 2% 6E Rewards on spends done on Grocery, Dining & Entertainment

- 1% 6E Rewards on all other spends (excl. Fuel, wallet re-loads)

- Up to 10% 6E Rewards on IndiGo’s feature partners

**Cardholders accrue 6E Rewards for every Rs 100 spent on the card

What are the feature partners on 6E Rewards-IndiGo HDFC Bank Credit Card?

Cardholders accrue accelerated 6E Rewards on transacting on feature partners using the card. For more details on feature partners

https://www.goindigo.in/6e-rewards.html#Source=HDFC&mobileNo=9

What are the other benefits on the 6E Rewards-IndiGo HDFC Bank Credit Card?

1% Fuel Surcharge Waiver up to Rs.250 per billing cycle

Convenience Fee on booking IndiGo flights – Rs.100 per pax (current – Rs.250)

Who is eligible for a 6E Rewards-IndiGo HDFC Bank Credit Credit Card?

For Salaried Indian national

Age: Min 21 years & Max 60 Years
Gross Monthly Income> Rs 20,000

For Self Employed Indian national

Age: Min 21 years & Max 65 Years
Income: ITR > Rs 6 Lakhs per annum

What are the Fees and Charges applicable on the 6E Rewards-IndiGo HDFC Bank Credit Card?

Joining/Renewal Membership Fee – Rs. 700/- + Applicable Taxes

Note: 6E Rewards program membership will be discontinued on non-payment of membership fee within 90 days

NOTE: For card sourced starting 01-11- 2020, Below T&Cs are applicable

1. The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.

How do I avail the 6E Prime Add-On and what is the validity of the Add-On?
The 6E Prime Add-On will be made available to the card members on payment of Card Membership Fee. The customers will get the Add-On voucher online, in their 6E Rewards Account on IndiGo’s 6E Rewards platform available on www.goIndiGo.in.

How will a card member avail the IndiGo Air ticket on achieving the milestone of 3 transactions or more in each of the first 3 months?
The IndiGo Air ticket will be available after the end of about 4 months. The payment of Card Membership Fee is mandatory for the same and the Air ticket will be available in their 6E Rewards Account on IndiGo’s 6E Rewards platform available on www.goIndiGo.in.

Where will the card member earn and redeem 6E Rewards?
Card members will have all information related to their 6E Rewards in the 6E Rewards Account available on 6E Rewards platform at www.goIndiGo.in. Card members can check 6E Rewards earned in the 6E Rewards Account and also the amount of 6E Rewards that they can redeem.
Redemption of 6E Rewards will be available only on 6E Rewards platform. The 6E Rewards earned are credited within 90 days from the date of transaction on the card.
The redemption of 6E Rewards is governed by IndiGo and is in accordance with the Terms and Conditions of the 6E Rewards Program available on www.goIndiGo.in

What is the validity of the benefits/6E Rewards earned?
The validity for 6E Prime Add-On and IndiGo Air ticket is 6 months from the date when it is issued.
The validity for 6E Rewards earned is 2 years.
However, the validity of the benefits/6E Rewards is governed by the Terms and Conditions of 6E Rewards Program available on www.goIndiGo.in. For latest details on validity, please check the Terms and Conditions of 6E Rewards Program

I have applied for a Credit Card - would like to know the status?
Click here to check the status of your Credit Card application. You are required to input the 16 digit Application reference number and Mobile number or Date of Birth (DDMMYYYY)

I do not want statements to be sent to my mailing address. How do I stop the same?
We request you to download the physical statement suppression MID (Most Important Document) from HDFC Bank form centre and send the duly signed form to our correspondence address.

HDFC Bank Cards
Division, P.O. Box. 8654,
Ambattur Industrial Estate, P.O.,
Chennai - 600058.

When should a customer fill a progressive dispute form?
Subsequent to submission of the CDF form, the bank intimates the merchant of the disputed transaction. The merchant then provides all the relevant documents to substantiate the respective transaction. Post inspection of all the relevant documents, if the customer is still not convinced, then the customer should fill and submit the progressive dispute form.

Please click on link below to view the progressive dispute form
http://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

Why is the customer required to fill a Cardholder dispute form (CDF) to report transaction dispute?
As per master / visa guidelines, all Card holders should provide a duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank

Please click on link below to view the Cardholder dispute form.
http://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

What is the time frame to report Credit Card transaction dispute?
Transaction dispute needs to be reported in writing within 30 days from the statement date in which the said transaction appears.

Have more questions, check our FAQs section

How do I use a Chip Card?
A merchant has to tap the Card in the POS terminal as opposed to swiping the Card.
Step1: Tap the Card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the Card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip
Can HDFC Bank Chip Cards be used as a normal Swipe Card?
Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.
Does HDFC Bank’s Chip Card contain a magnetic strip?
Yes it does. This is because it will take time for all stores and restaurants to be set up with chip-enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

What are the benefits of a Chip Card?
A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.

Can a chip Card be used for online transactions?
Yes the chip Card can be used for online transactions, the Card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the Card can be used online.
What are the merchant categories wherein the Chip Card can be used?
The Chip Card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal Credit Card.

Which outlets have a chip terminal?
Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the Card can be swiped and transacted.

Can Chip Credit Cards be used anywhere?
Yes, your HDFC Bank Chip Credit Card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip Card into a POS Terminal. If you are using your Chip Card at a location that does not have a chip-enabled terminal, your Card will be swiped and the transaction will be completed with your signature as in case of a regular Card transaction.

How do I make a payment for a Chip Card?
You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular Card.

What in case the Card is lost / stolen?
You have to call the Credit Cards Customer Service, and report for stolen or lost Card. Other services like change of contact number, address, etc. can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen Card.

Further if you happen to recover the Card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the Card.

Click here to view Value Chart of 6E Rewards - IndiGo HDFC Bank Credit Card.

6E Rewards XL - IndiGo HDFC Bank Credit Card

What are the key features of the 6E Rewards XL-IndiGo HDFC Bank Credit Card?

- 5% 6E Rewards on spends done on IndiGo website & app

- 3% 6E Rewards on spends done on Grocery, Dining & Entertainment

- 2% 6E Rewards on all other spends (excl. Fuel, wallet re-loads)

- Up to 15% 6E Rewards on IndiGo’s featured partners

**Cardholders accrue 6E Rewards for every Rs 100 spent on the card

What are the feature partners on 6E Rewards-IndiGo HDFC Bank Credit Card?

Cardholders accrue accelerated 6E Rewards on transacting on feature partners using the card. For more details on feature partners

https://www.goindigo.in/6e-rewards.html#Source=HDFC&mobileNo=9

What are the other benefits on the 6E Rewards XL-IndiGo HDFC Bank Credit Card?

1% Fuel Surcharge Waiver up to Rs.500 per billing cycle

Convenience Fee on booking IndiGo flights – Rs.100 per pax (current – Rs.250)

What is the lounge access benefit on the card?

6E Rewards XL-IndiGo HDFC Bank Credit Card members can enjoy upto 8 complimentary domestic airport lounge access within India per year (2 in a quarter)

Who is eligible for a 6E Rewards XL-IndiGo HDFC Bank Credit Card Credit Card?

For Salaried Indian national

Age: Min 21 years & Max 60 Years
Gross Monthly Income> Rs 1,20,000

For Self Employed Indian national

Age: Min 21 years & Max 65 Years
Income: ITR > Rs 14.4 Lakhs per annum

What are the Fees and Charges applicable on the 6E Rewards XL-IndiGo HDFC Bank Credit Card?

Joining/ Renewal Membership Fee – Rs.2, 500/- + Applicable Taxes

Note: 6E Rewards program membership will be discontinued on non-payment of membership fee within 90 days

NOTE: For card sourced starting 01-11- 2020, Below T&Cs are applicable

1. The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.

Please click on link below to view the progressive dispute form
http://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

What is the time frame to report Credit Card transaction dispute?
Transaction dispute needs to be reported in writing within 30 days from the statement date in which the said transaction appears.

What are the merchant categories wherein the Chip Card can be used?
The Chip Card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal Credit Card.

Which outlets have a chip terminal?
Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the Card can be swiped and transacted.

How do I make a payment for a Chip Card?
You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular Card.

Further if you happen to recover the Card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the Card.

Click here to view Value Chart of 6E Rewards XL - IndiGo HDFC Bank Credit Card.

Millennia

HDFC Bank Millennia Credit Card
Inspired Living, Ready for You

You live in the moment; Passion is what drives you; adventure is what you seek.
Yours is an inspired life, the Millennia Credit Card is Ready for You.

A) What are the key features of the Millennia Credit Card?
• 5% CashBack on shopping via PayZapp and SmartBuy*
• 2.5% CashBack on all online spends*
• 1% CashBack on all offline spends* and Wallet re-loads (not applicable on Fuel transactions)
• 8 Complimentary Domestic Lounge Access within India.
• 1% Fuel Surcharge Waiver
*T&C apply. Please refer section D to know more

Get 2.5% CashBack on ALL transactions done using your Millennia Credit Card at BigBasket, BookMyShow, Grofers, Hotstar, IRCTC, Netflix, Ola, Swiggy, Uber & Zomato.
Limited period offer – Till 30th September 2020

B) How can I maximise benefits on my Millennia Credit Card?

Click here to view Value Chart of Millennia Credit Card.

C) What is RentPay?
RentPay is a facility to pay your monthly rent via your HDFC Bank Credit Card. This service is offered in affiliation with RedGiraffe. Complete a one-time online registration, and your monthly rent payments will get credited to your landlord’s bank account on a predetermined date. All this for a very nominal fee. Register at https://redgirraffe.com/hdfc/

What is the advantage of using RentPay?
• There is no room to forget your rent payment. You get 45-60 days of credit while the rent remains in the Savings account and earns you returns
• Earn Reward Points on each rent payment.
• Your points earned on the HDFC Bank Millennia Credit Card can be redeemed as CashBack against your credit card statement (1RP = Rs.1)

D) What are the Welcome and Milestone benefits on the Millennia Credit Card?
• As a launch offer, you get ₹1000 worth gift vouchers on spends of ₹1, 00,000 and above in each calendar quarter for first year only.
• As a welcome gesture, you get a Welcome Benefit/Renewal Benefit of 1000 Cash Points (applicable only on payment of membership fee)
• If you spend ₹30,000 and above in the first 90 days, your first year’s membership fee will be waived off.
•Your renewal membership fee will be waived off if you spend ₹1, 00,000 and above in the first year

E) How can a customer earn CashBack on the Millennia Credit Card?
1. Earn 5% CashBack on spends done via PayZapp and SmartBuy
• As a launch offer, the maximum CashBack that can be accrued on your spends/shopping via PayZapp and SmartBuy will be Rs. 1000 per month for the first six months post issuance of the card.
• CashBack will be capped at Rs 750 per month after 6 months.
• Minimum transaction value to avail the CashBack is Rs 2000.
2. Earn 2.5% CashBack on Online Spends
• Earn CashBack up to a maximum of Rs 750 per month on all online shopping/ spends done on other websites/apps.
• Minimum transaction value to avail the CashBack is Rs 2000

3. Earn 1% CashBack on Other spends
• Earn 1% CashBack on offline spends, Wallet re-loads, point-of-sale spends and other swipes
• Maximum CashBack of Rs.750 per month (Not applicable on fuel transactions)
• Minimum transaction value to avail the CashBack is Rs 100

All CashBack benefits are also applicable on EasyEMI transactions

F) How can a customer use the CashBack earned?
• CashBack will be given in the form of CashPoints, which can be redeemed by the customer against the statement balance (on request only)
• The redemption against the statement balance will be at the rate of 1 CashPoint = Re.1, and can be done via Net Banking login, Phone Banking, or physical redemption form.
• The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints.
• CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto 0.30 (Rupee symbol)
• Unredeemed CashPoints will expire/lapse within 1 year of accumulation

G) What are the other benefits on the Millennia Credit Card?
• 1%Fuel Surcharge Waiver
• 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)
• Complimentary MasterCard/Visa Lounge Access Program
• For Lounge visits within India, Millennia Primary Cardholders can avail 8 complimentary lounge access per calendar year (twice in a quarter) through Millennia MasterCard/Visa Credit Card Lounge program.
• Swipe the Millennia Credit Card to avail the complimentary lounge access.
• A transaction of Rs. 2 will be charged to the Credit Card for the Lounge Access
• Exclusive Dining Privileges
• Experience the Good Food Trail Dining program at premium restaurants across top cities

H) Who is eligible for a Millennia Credit Card?
Customer Profile Criteria
Salaried Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 25,000
Self Employed Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 6 Lakhs per annum

I) Can contactless transactions be done on the Millennia Credit Card?
The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Check for the contactless network symbol on the card plastic)

Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to Rs. 5000, the Card holder has to enter the Credit Card PIN for security reasons.

J) What are the Fees and Charges applicable on the Millennia Credit Card?
First Year Membership Fee – Rs. 1000/- + Applicable Taxes, Renewal Membership Fee – Rs. 1000/- + Applicable Taxes
Spend Rs. 1,00,000 in 12 Months and get Renewal Fee waived for next renewal year.
Goods and Services Tax (GST)
Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions.
The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.

Infinia

Club Marriott Membership

• What is Club Marriott Membership?

It is a membership that provides below benefits to members on presentation of the Club Marriott Membership Card across Marriott Hotels in India and Asia Pacific region:
• Up to a 20% off on the food and beverage bill at the restaurants for up to a maximum of ten (10) guests. Select hotels offer a 15% off up to a maximum of ten (10) guests.
• Up to a 20% off on the Best Available Rates on rooms at participating Marriott hotels in India and on Weekend Rates in Asia Pacific.
Apart from the above benefits, there are vouchers/certificates that are being sent along with the physical kit
ACCOMMODATION CERTIFICATES: These certificates are valid at participating Marriott Hotels in India only.
• 2 certificates entitling the Member to an upgrade to the next category of rooms on Best Available Rate for a maximum of two (2) nights stay. Upgrade is subject to availability at the time of check-in.
• 2 certificates offering the Member a 30% off on accommodation on the Best Available Rate on the base category of rooms, valid for a stay of a maximum of two (2) consecutive nights per certificate. Reservations must be made in advance and are subject to room allocations.

HEALTH AND SPA CERTIFICATES: These certificates are valid at participating Marriott Hotels in India only

• 2 certificates entitling the Member to a 20% off on select treatments at the Spa from Monday to Friday. This benefit is valid for one guest.
The use of the certificates is governed by the terms and conditions mentioned on the back of each certificate.
Refer List of participating hotels at www.clubmarriott.in
For more details, Click Here
• In case of any support required on Club Marriott membership, whom does the customer need to contact?
Club Marriott membership once issued, the cardholder, needs to contact below coordinates for the support
Email: member.care@clubmarriott.in or Number: 1800 1021 030
The helpdesk will be operational from 9.30 AM to 6.00 PM from Monday to Saturday (excluding Public Holidays)
Golf Games and Lessons

• How can customer access the Golf Concierge assistance services?

Get 24-hour access to Golf Concierge Assistance services,
call 011 – 022 4232 0226 / # Toll free: 1800 118 887 (India)
Priority Pass

• How can the customer apply / avail this membership?

Customer need not apply separately for the priority pass membership. It is included in the welcome kit

• Customer can’t find the list of participating lounges?

Customer can find the list of participating lounges in www.prioritypass.com

• Does he need to carry the priority pass card to get entry or is the HDFC bank credit card enough?

Yes, the priority pass card has to be present to avail the priority pass lounge programme.
Unified Website

• Does the customer have to register online in order to use the HDFC Bank Infinia Portal?

Registration on the portal https://offers.smartbuy.hdfcbank.com/infinia is optional. Customer can access all the features and functionalities of the website without registration. However, all the transactions on the website need to be effected using the HDFC Bank Infinia Credit Card.
As a registered member, customer would get the following benefits:
Customer does not have to provide your details every time he uses the portal for bookings. He can view all his revenue and redemption bookings at one place.

• What should be done in case portal related issues - down-time/ booking failure/ any other error etc.?

The portal related issues may be due to network connectivity issues or any technical glitch. We advise the customer to visit the website after sometime in that case. If the issue persists he can call the concierge to lodge a complaint.
Toll Free No.: 1800 118 887 Landline No.: 022 42320226

Global Personal Concierge

• What are the services provided?

As an HDFC Bank Infinia Credit Card customer, you can customize your travel, entertainment, and business experiences with our Global Concierge Assistance. Here are some of the services provided by our concierge.

Golf Booking
Itinerary planning and reservation assistance
Private dining assistance
International gift delivery
Event planning and referrals
Airport VIP service (meet-and-greet) and much more.

• How can customer access the Concierge assistance service?

Customer can call up the concierge numbers below to book the service.
Toll Free No.: 1800 118 887 Landline No.: 022 42320226

Rewards Program

• What are the Terms and condition of Rewards points program?

Only eligible retail purchases qualify for accumulation of Reward Points
Reward points will not be accrued for fuel transactions
Reward Points are valid only for 3 years from the date of accumulation o E.g. Reward Points received in the month of June, 2015 will expire in June, 2018
EasyEMI and e-wallet loading transactions will not accrue Reward points
Reward points accrued will be reversed if a retail transaction is converted into SmartEMI
If the Credit Card is not used for more than 365 days, Reward Points accrued will be nullified
Reward points accrued for Insurance transactions will have a maximum cap of 5,000 per day
The capping of 10X Reward Points on Smartbuy program will be governed by the 10X program T&C

Dining Privileges

• Will the customer get 2X reward points in all restaurants?

The customer gets 2X reward points on the dining spends (stand-alone restaurants only).

• What is Good Food trail dining program?

Customers can get upto a maximum of 40% discount at select partner restaurants. The customer will get the discount in the bill itself. Customer he has to inform the restaurant that he holds the card, and he is eligible for the discount, before the generation of invoice. Also he has to produce the card.

• Customer is not able to use the card overseas. What to do?

Please check, whether the card is enabled for international transaction. If not – please ask the customer to enable HIS CARD FOR INTNL TXN AND also set international limit on his credit card through HDFC Internet banking facility.

• What is the mark up fee charged on the Card for foreign transaction?

2% + GST
Contactless Mode of Payment

• Does Infinia credit card provide payment option through contactless card?

Infinia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN.

• How do I know my card is contactless?

Please look out for the contactless sign on your credit card plastic

Insurance

• What are the benefits / cover provided?

AIR ACCIDENT: Cover of INR 3 Cr available to primary card holder
Cover is applicable in case the card holder shall sustain any air accident and suffer bodily injury resulting in death within 12 months of the accident. Also the air ticket has to be purchased using the HDFC Bank credit card.

EMERGENCY MEDICAL EXPENSES: Cover of up to INR 50 lac available to primary card holder
Covers any medical expenses because of any bodily Injury or sudden unexpected sickness and is only for international travel outside India.

• How can the customer apply for this?

Customer need not apply for the covers / benefits. It is offered by default to the Infinia customers. Customer needs to update their nominee details for the Air accident cover by filling up the Online BRE @ https://leads.hdfcbank.com/applications/webforms/apply/HDFC_NomineeDetails/Nominee.aspx

• How does the customer raise the claim?

The insurance partner for the above is HDFC Ergo and the customer needs to raise the claim directly with the insurance company.

HDFC Ergo General Insurance Company
Reach @ + 800-0825-0825 (Global toll-free) and 0120 - 4507250

Claim Documents to be sent to
Address: A&H Claims Inward Team, HDFC Ergo GIC Ltd., 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri East. Mumbai 400059

• What are the Terms and Conditions?

Terms & Conditions – Mentioned in the policy document and on the product webpage.
The comprehensive travel protection is not applicable for NR cards
I have applied for a Credit Card - would like to know the status?
Click here to check the status of your Credit Card application. You are required to input the 16 digit Application reference number and Mobile number or Date of Birth (DDMMYYYY)

Please click on link below to view the progressive dispute form https://www.hdfcbank.com/assets/pdf/Progressive_dispute_letter.pdf

Why is the customer required to fill a Cardholder dispute form (CDF) to report transaction dispute?
As per master / visa guidelines, all Card holders should provide a duly filled in Cardholder Dispute Form (CDF) mentioning the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank
Please click on link below to view the Cardholder dispute form. https://www.hdfcbank.com/assets/pdf/transaction_dispute_form.doc

What is the time frame to report Credit Card transaction dispute?
Transaction dispute needs to be reported in writing within 30 days from the statement date in which the said transaction appears.

How do I use a Chip Card?

A merchant has to tap the Card in the POS terminal as opposed to swiping the Card.
Step1: Tap the Card in a POS terminal
Step2: Enter the amount
Step3: Do not remove the Card till the charge-slip is printed
Step4: Take the customer's signature on the charge-slip

Can HDFC Bank Chip Cards be used as a normal Swipe Card?

Your HDFC Bank Chip contains the regular magnetic strip in addition to the embedded micro-chip.

Does HDFC Bank’s Chip Card contain a magnetic strip?

What are the benefits of a Chip Card?

A Chip Card is a Credit Card with an embedded microchip. The Chip is encrypted and provides enhanced security and protection to help guard against fraudulent transactions. When you use your Chip Card at stores or restaurants that have Chip-enabled terminals and at ATMs, the system validates the Chip ensuring security of your transaction.

Can a chip Card be used for online transactions?

Yes the chip Card can be used for online transactions, the Card has to be registered for 'Verified by Visa'/’MasterCard SecureCode’ which ensures safe online transactions after which the Card can be used online.

What are the merchant categories wherein the Chip Card can be used?

The Chip Card can be used across all merchant categories be it for Movie tickets, Travel, Shopping, Apparels, online, etc. It can be used like a normal Credit Card.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don’t have chip enabled terminal, the Card can be swiped and transacted.

Can Chip Credit Cards be used anywhere?

Yes, your HDFC Bank Chip Credit Card can be used anywhere in the world wherever Visa/MasterCard are accepted. At a chip-enabled terminal, you can insert your Chip Card into a POS Terminal. If you are using your Chip Card at a location that does not have a chip-enabled terminal, your Card will be swiped and the transaction will be completed with your signature as in case of a regular Card transaction.

How do I make a payment for a Chip Card?

You can make a payment for a Chip Card by cash, cheque, at the ATM or on NetBanking, etc. The process is the same as in the case of a regular Card.

What in case the Card is lost / stolen?

You have to call the Credit Cards Customer Service, and report for stolen or lost Card. Other services like change of contact number, address, etc. can also be done through Customer Service. You can also log into your NetBanking account and report about lost or stolen Card.

Further if you happen to recover the Card after having reported it lost, please do not use it. Cut it into 4 pieces diagonally and ensure you cut across chip embedded in the Card.

What is Dineout Passport Membership?

Dineout Plus has been upgraded to Dineout Passport - Dineout’s new dining program that offers:

Minimum 25% off on the bill at 2000+ restaurants in 20 cities across the country
1+1 on Buffet at 200+ restaurants
Benefits on Dineout Pay such as additional cashback and zero convenience fee
Exclusive Access to Dineout Passport Experiences
Early Access to events and festivals such as GIRF, Gourmetlicious, etc.

Who all are eligible for this offer?
All HDFC Bank Infinia credit cardholders are eligible for this offer.

How to avail this membership?
Cardholders will have to apply for Dineout Passport membership using link <hyperlink> . Re. 1 transaction will have to be made from Infinia Credit card for availing the membership.

How do I redeem Dineout Passport Membership benefits?

It is a very simple process. You can just Walk-In any of partner restaurants of your choice and Dine-In. No prior reservation required.
When you request your bill, you must notify the person attending to you that you want to redeem a Dineout Passport offer using your smartphone.
Search for the restaurant within the Dineout app and tap redeem of Dineout Passport Offer. Be sure that the outlet is correct because some restaurants have offers that can be redeemed at more than one outlet.
The app will ask for the restaurant's PIN. Simply ask the Server for the restaurant Dineout Passport PIN number to acknowledge and enter it on the app.
Once done, you will get a confirmation notice on your screen on the successful redemption of the offer.
The Server will most likely want to make a note of the transaction ID that appears on your screen so you should allow them to do this. If you accidentally moved past this then you can still see the redemption confirmation reference by going to your 'Redemption History'.

The Server will then prepare your bill with the discount applied. The restaurant will receive a receipt of the redemption by email and this will contain the same transaction ID for security purposes.

How can a cardmember enable Online, International and Contactless transactions?

‘Click here for detailed information’

EasyEMICard

1) What are the key features of the HDFC Bank EasyEMI Card?

Auto EMI conversion of spends equal to or above Rs 10,000 for a tenure of 9 months
5% CashBack on shopping via PayZapp and SmartBuy*
2.5% CashBack on all online spends*
1% CashBack on all offline spends* and Wallet re-loads (not applicable on Fuel transactions)

*T&C apply. Please refer Question 4 to know more

2) What are the Welcome and Milestone benefits on the HDFC Bank EasyEMI Card?

Launch offer of Rs. 1000 worth gift vouchers on spends of Rs. 100,000 and above in each calendar quarter (This is a first year benefit only)
You will receive a Welcome Benefit/Renewal Benefit of 1000 CashPoints (applicable only on payment of membership fee)
Your first year’s membership fee will be waived off if you spend Rs. 20,000 and above in the first 90 days
Your renewal membership fee will be waived off if you spend Rs. 50,000 and above in the first year

3) How can I maximise my benefits on the HDFC Bank EasyEMI Card?

Click here to view Value Chart of EasyEMI Credit Card.

4) How can a customer earn cashback on the HDFC Bank EasyEMI Card?
I. Feature 1: Auto conversion to EMI on all transactions > Rs 10,000

The auto conversion will be done for all transactions >= Rs 10,000 as below

.i. Tenure – 9 months
.ii. ROI – 1.67% per month
.iii. PF – Rs 99 + taxes
.iv. All transactions >= Rs 10,000, other than Gold and Fuel, will be converted into EMI

II. Feature 2: Earn 5% cashback on spends done via PayZapp and SmartBuy

As a launch offer, the maximum CashBack that can be accrued on your spends/shopping via Payzapp and Smartbuy will be Rs. 1000 per month for the first six months post issuance of the card
Cashback will be capped at Rs 750 per month after 6 months
Minimum transaction value to avail the cashback is Rs 2000

III. Feature 3: Earn 2.5% cashback on Online Spend

Earn cashback up to a maximum of Rs 750 per month on all online shopping/ spends done on other websites/apps.
Minimum transaction value to avail the cashback is Rs 2000

IV. Feature 4: Earn 1% cashback on Other spends

Earn 1% CashBack on offline spends, Wallet re-loads, point-of-sale spends and other swipes
Maximum CashBack of Rs.750 per month (Not applicable on fuel transactions)
Minimum transaction value to avail the CashBack is Rs 100

All Cashback benefits are also applicable on EasyEMI transactions

5) How can a customer use the cashback earned?

CashBack will be given in the form of CashPoints, which can be redeemed by the customer against the statement balance (on request only)
The redemption against the statement balance will be at the rate of 1 CashPoint = Re.1, and can be done via Net Banking login, Phone Banking, or physical redemption form.
The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints
CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto 0.30 (Rupee symbol)
Unredeemed CashPoints will expire/lapse within 1 year of accumulation

6) What are the other benefits on the HDFC Bank EasyEMI Card?

1%Fuel Surcharge Waiver

-- 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)

Exclusive Dining Privileges

--Experience the Good Food Trail Dining program at premium restaurants across top cities

Additional EasyEMI offers across 1000+ merchants

7) How do I calculate Cash Points on my spends?

Cash points are calculated on the spends made within the calendar month. To check for the Cash Points accrued, refer to your current Statement and your previous statement.

For example: Your Statement is received on every 18th of the month. The Cash Points accrued for your transactions from 1st of January till 31st of January will be calculated and posted on the 1st of February and the same can be seen when you receive your statement on 18th of February. For calculating the same on your own, refer to your January month statement and your February month statement. Below shows an illustration on how to calculate:

JAN STATEMENT
NO	TXN DATE	TXN AT:	AMT (In Rs.)	CP TYPE: TXN CATEGORY	CP ACCRUED	COMMENTS
1	21th Dec	Restaurant Bill Payment	900	1% CP under Offline & Wallet	9	Don't consider this transaction. CP for this will be posted on 1st Jan and shown in your 18th Jan statement
2	26th Dec	Flipkart online via SmartBUY	4,000	5% CP under PayZapp & SmartBUY	200	Don't consider this transaction. CP for this will be posted on 1st Jan and shown in your 18th Jan statement
3	30th Dec	Groceries - Online	2,000	2.5% CP under Online Spends	50	Don't consider this transaction. CP for this will be posted on 1st Jan and shown in your 18th Jan statement
4	4th Jan	Rent Payment via PayZapp	10,000	5% CP under PayZapp & SmartBUY	500	Consider this Txn
5	7th Jan	Amazon online via SmartBUY	3,000	5% CP under PayZapp & SmartBUY	150	Consider this Txn
6	10th Jan	Restaurant Bill Payment	700	1% CP under Offline & Wallet	7	Consider this Txn
7	16th Jan	Myntra Online Shopping	3,000	2.5% CP under Online Spends	75	Consider this Txn

FEB STATEMENT
NO	TXN DATE	TXN AT:	AMT (in Rs.)	CP TYPE: TXN CATEGORY	CP ACCRUED	COMMENTS
1	20th Jan	Paytm Wallet load	1200	1% CP under Offline & Wallet	12	Consider this Txn
2	30th Jan	Groceries - Online	2000	2.5% CP under Online Spends	50	Consider this Txn
3	2nd Feb	Rent Payment via PayZapp	10,000	5% CP under PayZapp & SmartBUY	500	Don't consider this transaction. RP for this will be posted on 1st Mar and shown in your 18th Mar statement
4	4th Feb	Electricity Bill Payment via PayZapp	2500	5% CP under PayZapp & SmartBUY	125	Don't consider this transaction. RP for this will be posted on 1st Mar and shown in your 18th Mar statement
5	13th Feb	Restaurant Payment	1000	1% CP under Offline & Wallet	10	Don't consider this transaction. RP for this will be posted on 1st Mar and shown in your 18th Mar statement

TOTAL RP POSTED FOR ALL ELIGIBLE JAN MONTH TRANSACTIONS ARE:

794

7) Who is eligible for an HDFC Bank EasyEMI Card?

Customer Profile	Criteria
Salaried	Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 10,000
Self Employed	Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 6 Lakhs per annum

8) Can contactless transactions be done on the HDFC Bank EasyEMI Card?

The HDFC Bank Easy EMI Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Check for the contactless network symbol on the card plastic)

Please note that in India, payment through contactless mode is allowed for a maximum of
Rs. 5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to Rs. 5000, the Card holder has to enter the Credit Card PIN for security reasons.

9) What are the Fees and Charges applicable on the HDFC Bank EasyEMI Card?

First Year Membership Fee – Rs. 500/- + Applicable Taxes, Renewal Membership Fee – Rs.500/- + Applicable Taxes
Spend Rs. 50,000 in 12 Months and get Renewal Fee waived for next renewal year.

Goods and Services Tax (GST)

Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions.
The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.

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Terms & Conditions – Easy EMI

To know about SmartEMI, visit www.hdfcbank.com/smartemi
For EMI Calculator and monthly repayment schedule including GST, visit www.hdfcbank.com/emicalc
All transactions equal to and above the value of Rs 10,000 will be automatically converted to Easy EMI with 9 months tenure by default at 20% Rate of Interest, without any further consent from the customer
Processing Fee is Rs 99/- (Exclusive of GST for all loan amounts) is applicable for all Easy EMI loan conversions
The loan is sanctioned at the sole discretion of HDFC Bank Ltd.
For the First EMI, the Interest will be calculated from the loan booking date till the payment due date. This is applicable only for the First EMI of the loan, interest for the remaining EMI will be as per the statement cycle.
Your availing of the Easy EMI Credit card will be deemed to be your unconditional acceptance of the terms and conditions and you will be bound by the same.
Reward points will be credited for EMI transactions as per the regular product feature spend category terms & conditions
HDFC Bank reserves the right to decide the eligibility as per internal policy and guidelines.
Gold and Jewelry related transactions cannot be converted into Easy EMI due to internal policy guidelines.
Monthly payment dues will include EMI and GST on the interest amount of the EMI. Thismonthly payment due will be billed in the monthly statement starting from the immediate billing cycle date and be part of the Minimum Amount Due (MAD) appearing in your monthly
HDFC Bank Credit Card statement. Payment of MAD is required to keep your card regular.

Please note that
1. EMI = Principal Amount + Interest Amount
2. Monthly Loan Repayment = EMI + GST on Interest amount of EMI.
3. First EMI will include interest charged for a month irrespective of the loan disbursement date. Please refer to the Amortization schedule that will be sent after your loan is set up for details of principal amount & interest amount.
4. For EMI Calculator & monthly repayment schedule including GST, visit
www.hdfcbank.com/emicalc
5. Interest rate shown in NetBanking is per annum. In the EMI Calculator, choose Interest rate per annum and enter the interest rate shown in NetBanking.

The converted loan can be pre-closed. In case of pre-closure of the loan, a charge, currently 3% of the balance principal outstanding will be applicable. Tenure confirmed at the time of applying cannot be changed.
In case of pre-closure of the loan, a charge, currently 3% of the balance principal outstanding plus GST will be applicable.
Along with pre-closure charges, pro-rata interest applicable and credit card outstanding balance at the time of pre-closure have to be repaid for pre-closure of the loan.
Partial pre-payment or partial closure is not permitted on this loan.
As the pre-closure charge is subject to change, we request you to contact phone banking for the applicable charge if you decide to pre-close the Loan.

HDFC Bank reserves the right to revise the pre-closure penalty at its discretion. Additional interest if any on the principal outstanding from last statement date till date of loan pre closure need to be paid by customer.

Processing fees will be levied during the immediate billing cycle post loan processing.
GST is applicable on the following:
Interest amount of EMI on a monthly basis
Processing fees
Pre-closure charges
Effective 1-Ju17-2017, GST is 18%, subject to change and will be applicable as per Govt.regulations

Goods and Services Tax (GST)

The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST for FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.
The loan once approved and processed cannot be cancelled.
Interest rate and processing fees confirmed at the time of applying will be applicable. The interest is calculated using the reducing balance method.
Processing fees will not be reversed under any circumstances.
The loan amount will be blocked against the credit limit.
If a Easy EMI transaction gets reversed by merchant or any other reason, customer needs to contact PhoneBanking and raise a request for loan cancellation within 15 days.
If your HDFC Bank Credit Card get closed before all the instalments have been charged, the loan outstanding will get debited to your card account.
In case of default in payment of EMI on the Due date, your loan account services shall be suspended along with the related credit card and could further be terminated from further usage. Notwithstanding anything stated above, the continuation of the loan shall be at the sole discretion of the bank and outstanding will be payable to the bank on demand.
HDFC Bank reserves the right at any time, without previous notice, to add, alter, modify, change or vary all or any of these terms and conditions or to replace wholly or in part this scheme by another offer, whether similar to the offer or not, or to withdraw it all together. You will not hold HDFC Bank responsible for, or liable for, any actions, claims, demands, losses, damages, costs, charges, expenses, which a participant may suffer, sustain or incur by the Offer. All disputes, if any, arising out of or in connection with or as a result of the Offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent Courts/Tribunals in Chennai only.

The terms and conditions contained in the Card Member Agreement apply over and above the terms and conditions for this Loan. In case you do not agree to any of the details above, or require any further assistance, please contact Phone Banking. To know more about other loan
on credit card, visit www.hdfcbank.com/loan

Diners Club Privilege

What is a welcome membership benefit?

HDFC Bank Diners Club Privilege card members are eligible for annual memberships of the following brands - MMT Black, Swiggy One, Amazon Prime, Times Prime Smart as a welcome benefit upon achieving spends of 75,000 within the first 90 days or upon joining fee realisation. Card member will receive the benefits within 30 days of meeting eligibility condition.

Card member will receive the benefits within 30 days of first transaction completion.

What is an annual membership benefit?

A Diners Club Privilege card member upon achieving annual spend milestone of Rs. 5 Lakhs, is eligible for annual memberships of the following brands- MMT Black, Swiggy One, Amazon Prime, Times Prime Smart .

Please note – Card member will receive the benefits within 30 days of card anniversary date.

What is a monthly milestone benefit?

A Diners Club Privilege card member upon achieving monthly spend milestone of Rs 40,000/-, is eligible for any one voucher from choice of Ola select monthly membership, Cure.fit monthly membership, BookMyShow voucher worth Rs. 500 and TataCLiQ voucher worth Rs. 500.

How do card members get to know if they have won the memberships or monthly milestone benefit?

What are the reward points benefits on the card?

A card member can earn 4 Reward Points on every Rs. 150 spent. Redeem your accumulated Reward Points against air tickets, hotels, and international experiences at 1 reward point = 0.5 rupee, and gifts from our catalogue at 1 reward point = 0.35 Paise by visiting https://offers.smartbuy.hdfcbank.com/diners

Are there any other offers on the card?

Card member can earn 10X Rewards Points on Diners 10X Partners & cashback points by way of following:

Be it travel, shopping, entertainment or groceries, now you have more ways to earn 10X Rewards with your HDFC Bank Diners Club Credit Card. Now enjoy upto 5% cashback on all purchases in SmartBuy while you Compare and Shop, Compare and Fly and with brands like Flipkart, Amazon, redBus, Cleartrip & Yatra, etc.

Maximum Cap on reward points on Diners 10X Partner is 10,000 & Maximum cap on the cashback on SmartBuy is 2000 in a month

Please check www.hdfcbankdinersclub.com for monthly update.

2X Reward Points is applicable on spends at standalone restaurants during weekend. Maximum cap for 2X on weekend dining for a card member is 500 Reward Points per day

The incremental Rewards/cashback will be posted within 90 days from the end of the calendar month in which the txn. is completed and settlement has happened at merchant end. Date of settlement will be considered for calculating the maximum cap. Minimum transaction value to be eligible for offer or reward points is Rs. 150

What is the lounge access benefit on my card?

Diners Club Privilege card members can enjoy 12 complimentary airport lounge access to over 1000 partner lounges worldwide. Lounge visit is complimentary for both primary and add-on Card holders.

Please note: Add-on card member must present the add-on card at the lounge for the benefit.

What is the golf program on my Diners Privilege card?

Card member can enjoy access to leading golf courses in India and overseas and enjoy complimentary golf games (2 per quarter) across the finest courses in the world along with 24x7 booking assistance by calling concierge.

Are there any dining and wellness related offers on the card?

Yes. As an HDFC Bank Diners Club Privilege Credit Card customer, you can enjoy exclusive discounts at leading spas, salons, gyms etc. Also enjoy up to 15% discount on select dining experiences. Access 3000+ fine dining offers across the country and 1,400+ offers with partners in over 70 different countries.

For wellness benefits visit: https://hdfcbankdinersclubwellness.poshvine.com/

For dining benefits visit: https://offers.smartbuy.hdfcbank.com/deals

What all services can I avail from CONCEIRGE?

Diners Club Privilege card members can get global services at its finest from the concierge desk. Services like Airport VIP service (meet-and-greet), International gift delivery and shopping services, Private dining assistance, Itinerary and event planning along with reservation assistance etc.

Concierge Services Desk: Toll-free: 1800-118-887 | Landline: 022 4232 0226

What are the interest rates, insurance benefits and other charges on my Diners Privilege card?

Air accident cover of 1 crore
Emergency overseas hospitalization: Rs 25 Lakhs
Credit liability cover of upto Rs 9 Lakhs
Travel Insurance cover of upto Rs 55000 on baggage delay (Capped to $10 per hour restricted to 8 hours)
Revolving credit interest rate of 3.49% per month
Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee is applicable only for fuel transactions between Rs. 400 to Rs. 5000(Maximum waiver of INR 500 per statement cycle)
Low Foreign Currency Markup fee of 1.99%

Am I eligible for a HDFC Bank Diners Club Privilege credit card? If yes, what is the fee applicable on my card?

Eligibility Criteria: You are eligible for HDFC Bank Diners Club Privilege Credit Card based on the following:

• Age: Min 21 yrs & Max 60 yrs; and Income: Net Monthly Income > Rs 70,000 per month for salaried customers

• Age: Min 21 yrs & Max 65 yrs; and Income: ITR > Rs 8.4 Lakhs per annum for self-employed customers

Fees and Charges:

HDFC Bank Diners Club Privilege credit card has an annual Membership fee of Rs. 2500 + Applicable Taxes.

Upon annual spend of Rs. 3 Lakhs, Enjoy Renewal Fee waiver for next renewal year.

To know more, please visit https://www.hdfcbankdinersclub.com/diners-club-privilege diners-club-Privilege

Diners Clubmiles

How do I earn reward points on the card?

Card member can earn 4 Reward Points on every Rs. 150 spent on the card.

- 10X reward points on Diners 10X Partners (Max Cap of 5000 in a month) - Rewards Points will not be accrued for fuel transactions - EasyEMI and e-wallet loading transactions will not accrue Rewards Points.

- Rewards Points accrued will be reversed if a retail transaction is converted into SmartEMI.

- Rewards Points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

How do I redeem the accumulated Reward Points?

Redeem Reward Points for Miles with leading International and Domestic airlines like British Airways Executive Club (Avios), InterMiles, Singapore Airlines (KrisFlyer Miles), Club Vistara and hotels at a rate of 1 mile per reward point. Please complete Frequent flyer registration before attempting Airmiles redemption in NetBanking. o You can also redeem your accumulated Reward Points against air tickets, hotels, and international experiences at 1 reward point = 0.5 rupee and gifts from our catalogue at 1 reward point = 0.35 Paise by visiting https://offers.smartbuy.hdfcbank.com/diners

For flight and hotel bookings, card members can redeem up to maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.

What is the validity of reward points?

- Rewards Points are valid only for 2 years from the date of accumulation.

ex:- if you receive Reward Points in Nov 2019, same will expire in Nov 2022.

What is the lounge access benefit on my card?

HDFC Bank Diners ClubMiles card members can enjoy 6 complimentary airport lounge access to over 1000 partner lounges worldwide in a calendar year. Lounge visit is complimentary only for primary card holders. Please visit the website for list of lounges

What all services can I avail from the conceirge?

All your travel booking needs will be taken care by the concierge. Enjoy exclusive 24/7 Concierge Services by simply calling: 1800 209 4006 (Toll Free)

Are there any dining related offers on the card?

Yes. As an HDFC Bank Diners ClubMiles Credit Card customer, you can enjoy up to 15% discount or other benefits at the finest restaurants. With exclusive offers and rewards in every bite, gift yourself and your family an enjoyable dining experience.

Click here to locate offers near you

Global Dining Offers

Click here to locate Diners Club Privileges

What are the interest rates, insurance benefits and other charges on my Diners ClubMiles card?

Air accident cover of 1 crore
Medical emergency insurance cover of up to ₹ 25 lakhs
Credit liability cover of upto Rs 9 Lakhs
Travel Insurance cover of upto Rs 50000 on baggage delay (Capped to $10 per hour restricted to 8 hours)
Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee is applicable only for fuel transactions between Rs. 400 to Rs. 5000(Maximum waiver of INR 500 per statement cycle)
Low Foreign Currency Markup fee of 1.99% Unparalled Protection

Credit :

Revolving Credit Interest rate of 3.49% per month will be charged on any outstanding amount carried beyond the bill due date

What is the First year and renewal Membership Fee on my card?

HDFC Bank Diners ClubMiles credit card has an annual Membership fee of Rs. 1000 + Applicable Taxes.

Upon annual spend of Rs. 1 Lakhs, Enjoy Renewal Fee waiver for next renewal year.

Renewal Benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply.

Please click here to know most important terms and conditions and schedule of charge

To know more, please visit https://www.hdfcbankdinersclub.com/Diners-ClubMiles

Purchase Premium Card

1. What is the Credit Period on Purchase Premium Card?

30 + 20 Days

2. How many rewards points will be earned for every INR 150?

Four reward points will be earned by the corporate for every INR 150 spent.

3. What type of spends the Reward Points will be given?

The regular MCCs spends will be eligible for Reward points. Special MCCs, fuel, charity type of expenses will not be eligible for the reward points.

4. What is the value of Reward Points earned on the Purchase Premium Card?

Each reward point will have a value of 20 paisa.

5. How many reward points can be accrued every month on Purchase Premium?

Maximum of 15,000 reward points can be accrued per statement cycle on Purchase Premium.

6. What is the reward point expiration timeline?

The reward point will expire after a period of 12 months.

7. Is the customer eligible for cashback?

The customer is eligible for 5% cashback on business essential spends, subject to minimum overall statement spends of Rs.50,000. Apart from this corporate will not be eligible for any other form of cashback.

8. Is there any monthly limit of cashback?

The monthly cashback amount is capped to INR 1,500

9. What are the merchant categories considered under Business Essential?

Hotels, Rail, Road, Taxi, Utility, Taxes & Telecom are part of business essential spends.

10. Will Corporate qualify for Reward points and Cashback both simultaneously?

Yes, both Reward points & Cashback will be applicable on this product.

11. Is the customer eligible for Fuel surcharge waiver?

Yes, the corporate is eligible 1% fuel surcharge waiver.

12. Is there any capping on the fuel surcharge waiver?

The fuel surcharge waiver is capped upto INR 500.

13. Can corporate revolve on purchase premium?

The corporate can revolve the outstanding on the purchase premium card.

14. Upto what amount the corporate can revolve the outstanding amount?

The corporate can revolve 30%(MAD) of Total Amount Due (TAD). While calculating the MAD, other charges such as interest, fee, GST, etc. are excluded

15. What payment types are considered while calculated MAD?

All payments are considered while calculating MAD, except the payments done on Vendor Payment portal.

16. What is the interest rate applied on the outstanding amount?

An interest rate of 1.99% per month (23.88% annually) will be applied on the outstanding amount while revolving.

17. Can a Corporate restrict usage of cards on certain merchants?

Yes, Merchant Category Code (MCC) wise restriction is possible on Purchase Premium Card, relevant MCC group/promo id needs to be selected by corporate on the MID while submitting application

18. Is auto-debit option for credit card payment possible on Purchase Premium Card?

Yes, auto debit is possible on Purchase Premium Card

19. Can multiple Purchase Premium Card be issued to a company?

Yes, multiple Purchase Premium Card can be issued to a company as per their requirement upto a maximum of ten cards.

20. What are the payment options for Purchase Premium Card?

Payments can be made via cheque, auto debits or online modes such as NEFT, RTGS Full payment needs to be made by the corporate to Bank

21. Is there any Surcharge on electricity payment through Purchase Premium Card?

No, there is no surcharge at Bank’s end on electricity payment through Purchase Premium Card. However, if the biller surcharges on their website for payment through credit card then the same will be applicable on Purchase Premium Card as well.

Purchase Moneyback Card

1. What is the Credit Period on Purchase Moneyback Card?

30 + 20 Days

2. What type of spends the will be eligible for cashback?

All general spends above 5 lakhs and utility payments above 10 lakhs will be eligible for cashback excluding EMI spends and Fuel Spends

3. Is there any monthly limit of Rebate?

There is a rebate limit capped to 10 Lacs /month

4. Can corporate revolve on Purchase Moneyback?

The corporate can revolve 30%(MAD) of Total Amount Due (TAD). While calculating the MAD, other charges such as interest, fee, GST, etc. are excluded

5. What is the interest rate applied on the outstanding amount?

An interest rate of 1.99% per month (23.88% annually) will be applied on the outstanding amount while revolving.

6. Can a Corporate restrict usage of cards on certain merchants?

Yes, Merchant Category Code (MCC) wise restriction is possible on Purchase Moneyback Card, relevant MCC group/promo id needs to be selected by corporate on the MID while submitting application

7. Is auto-debit option for credit card payment possible on Purchase Moneyback Card?

Yes, auto debit is possible on Purchase Moneyback Card

8. Can multiple Purchase Moneyback Card be issued to a company?

Yes, multiple Purchase Moneyback Card can be issued to a company as per their requirement upto a maximum of 5 cards.

9. What are the payment options for Purchase Moneyback Card?

Payments can be made via cheque, auto debits or online modes such as NEFT, RTGS

Full payment needs to be made by the corporate to Bank

10. Is there any Surcharge on electricity payment through Purchase Moneyback Card?

No, there is no surcharge at Bank’s end on electricity payment through Purchase Moneyback Card. However, if the biller surcharges on their website for payment through credit card then the same will be applicable on Purchase Moneyback Card as well

11. Will cashback be eligible if EMI has been opted for?
No, cashback will not be eligible be eligible incase EMI is being opted for

Purchase Reward Card

What is the Credit Period on Purchase Reward Card?
30 + 15 Days
What type of spends the will be eligible for cashback?
All type of General MCC spends and Special MCC spends excluding EMI spends & fuel spends
Is there any eligibility criteria for cashback?
Total spends in a month (excluding EMI & fuel spends) have to be above Rs 50 Lakh
What is credit limit rotation?
For eg. IF credit limit is Rs 10,000 and total spends is Rs 50,000, credit limit rotation is 5X
Are EMI spends eligible for cashback?
No. Cashback would not be provided on EMI spends. Even if the EMI option is opted and transaction does not convert into EMI, the spend would not be eligible for cashback
Is there any monthly limit of cashback?
The monthly cashback is capped to Rs 25 Lakhs per card
What is the interest rate applied on the outstanding amount past due date?
An interest rate of 2.95% per month (35.4% annually) will be applied on the non-payment of outstanding amount past due date
Can a Corporate restrict usage of cards on certain merchants?
Yes, Merchant Category Code (MCC) wise restriction is possible on Purchase Reward Card, relevant MCC group/promo id needs to be selected by corporate on the MID while submitting application
Is auto-debit option for credit card payment available on Purchase Reward Card?
Yes, auto debit is possible on Purchase Reward Card
Can multiple Purchase Reward Card be issued to a company?
Yes, multiple Purchase Reward Card can be issued to a company as per their requirement upto a maximum of 10 cards.
What are the payment options for Purchase Reward Card?
Payments can be made via cheque, auto debits or online modes such as NEFT, RTGS. Full payment needs to be made by the corporate to Bank on or before due date else interest charge would be applicable on outstanding amount
Is there any Surcharge on electricity payment through Purchase Reward Card?
No, there is no surcharge at Bank’s end on electricity payment through Purchase Reward Card. However, if the biller surcharges on their website for payment through credit card then the same will be applicable on Purchase Reward Card as well.
Can Virtual cards be created on Purchase Reward Card?
Yes, virtual cards can be created on Purchase Reward Card through Corporate Service Portal
What is the maximum number of Virtual cards that can be created on Purchase Reward Card in a day?
300 Virtual cards can be created on a Purchase Reward Card in a day

Pharmeasy HDFC Bank Credit Card

What is PharmEasy HDFC Bank Credit Card?

PharmEasy HDFC Bank Credit Card is exclusively offered for PharmEasy customers. PharmEasy in partnership with HDFC Bank is offering this card.

What are the key features of PharmEasy HDFC Bank Credit Card?

Avail up to 50 days of interest free credit period
10% Cashback* on all PharmEasy and Thyrocare spends (For PharmEasy Plus Customers) – Capped at Rs. 1500/calendar month
5% Cashback* on all PharmEasy and Thyrocare spends (For Non-PharmEasy Plus Customers) - Capped at Rs.1000/calendar month
3% Cashback* on Swiggy, Zomato, Flipkart, Amazon, Myntra, MakeMyTrip, Urban Company - Capped at Rs.1000/calendar month
1% Cashback* on all other spends
8 Complimentary access to Domestic Airport Lounges across country in a calendar year (Capped at 2 visits per Calendar Quarter).

Cashback/Cashpoints redemption:

Cashback is not applicable for wallet loads, fuel spends & EMI spends.

All cashback will be posted in the form of cashpoints(CP) which will be valid for 2 years and can be redeemed against statement balance at the rate of 1 CP = Re.1 (on request only).

What is the launch offer of PharmEasy HDFC Bank Credit Card?

10% cashback on all PharmEasy and Thyrocare spends only for PharmEasy Plus customers capped at Rs. 2500 per calendar month (30 days).

T&C*

Offer is applicable only for customers sourced within 3 months (90 days) from program launch date
Offer is valid only for their 1st 3 months (90 days) spends from their respective card open date, post that standard product features are applicable
Cashback is applicable only for retail spends on PharmEasy & Thyrocare platforms and not applicable for fuel spends, wallet loads and EMI transactions

What is the welcome benefit of PharmEasy HDFC Bank Credit Card?

Get Rs.200 flat Cashback on 1st transaction with minimum spend of Rs.500 (excluding fuel, wallet and EMI transactions)

What are the wellness benefits of PharmEasy HDFC Bank Credit Card?

3 months PharmEasy Plus Membership
PharmEasy will separately communicate customers on offers sponsored by them from time to time.

What is PharmEasy Plus Membership?

PharmEasy Plus membership is an exclusive loyalty program of PharmEasy for the customers who will be eligible for additional benefits on placing orders with PharmEasy.

How do I generate PIN for my PharmEasy HDFC Bank Credit Card?

You will need to generate the PIN to activate your card, you can use any of the following ways mentioned below:

a) By using IVR - Call 1860 266 0333

b) By using Net Banking

c) By using Mobile Banking App

d) By using ATM

Please refer to the below link for more information to generate PIN: https://www.hdfcbank.com/personal/pay/cards/credit-cards/forgot-card-pin

Also, please reach out on 1800-1600 or 1800-2600 for any queries/complaints.

How do I activate my PharmEasy HDFC Bank Credit Card for online, contactless and international transactions?

As per RBI guidelines, for additional security, Online, Contactless & International transactions on this card are switched-off during dispatch. You can enable these card usage options by referring to the leaflets in the welcome kit or by referring to the information in the below link: https://www.hdfcbank.com/personal/pay/cards/credit-cards/enhanced-security-for-card-transactions

HDFC Bank MyCards:

1. Log in to https://mycards.hdfcbank.com using your registered mobile number

2. Enter the OTP configured to your registered mobile number

3. Click on “Card Control” service under Credit Cards.

4. You can set and customise your credit card usage/limits

5. Enter OTP configured to your registered mobile number to successfully make these changes.

HDFC Bank Mobile Banking:

1. On your HDFC Mobile Banking app, go to Menu >> Pay >> Cards >> Credit Card Number >> Show more >> Limits & Restrictions

2. You can set and customise your credit card usage/limits

3. Enter OTP configured to your registered mobile number to successfully make these changes.

HDFC Bank Net Banking:

1. On your HDFC Net Banking, go to Cards >> Request >> Card Usage/Limits

2. You can set and customise your credit card usage/limits

3. Enter OTP configured to your registered mobile number to successfully make these changes.

Where can I use PharmEasy HDFC Bank Credit Card?

PharmEasy HDFC Bank Credit Card can be used both at domestic and international for online, offline and contactless transactions. Once you generate PIN, you can use your card to make payments at any merchant establishment.

What is the 1st year annual fees for the PharmEasy HDFC Bank Credit Card?

For PharmEasy HDFC Bank Credit Card, Rs.500 + GST will be levied as 1st year annual fees after 30 days of card open date only if the customer has not activated. Activation requires the cardholder to do total transaction of Rs.150 within 30 days of card approval.

What is the renewal fees for the PharmEasy HDFC Bank Credit Card?

For PharmEasy HDFC Bank Credit Card, Rs.500 + GST will be levied as card renewal fees only if the customer has not done annual transactions of Rs. 70,000 or above (only non-EMI Spends) in the preceding year. For more information on fees and charges, please refer the below MITC link:

MITC in English

What is the limit on fuel surcharge waiver?

1% fuel surcharge waiver on eligible fuel transactions (minimum transaction of Rs. 400, maximum transaction of Rs. 5,000 & maximum cashback of Rs. 250 per statement cycle). The surcharge is levied by the acquiring bank providing the terminal to the merchant. The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST on fuel surcharge will not be reversed. Refer to the below MITC link for more information and T&C: MITC in English

As a cardholder, I am not getting Cashback/Cashpoints on all spends, why so?

Cashback/Cashpoints will not be eligible for the following spends/transactions on the credit card:

Fuel Spends
Cash Advances
Payment of Outstanding Balances
Payment of card fees and other charges and
Smart EMI / Dial an EMI transactions
Wallet loads
Rental Payments and
PharmEasy Payments

Can contactless transactions be done on the PharmEasy HDFC Bank Credit Card?

PharmEasy HDFC Bank Credit Card can be enabled for contactless payments facilitating fast, convenient and secure payments at retail outlets. (Check for contactless network symbol on the card plastic).
HDFC Bank allows you to make a transaction of Rs.5,000 or less through contactless mode, just tap to pay with your card and you won't need to sign or enter any PIN. Please refer to the below link for more information: https://www.hdfcbank.com/personal/ways-to-bank/tap-to-pay

Can a cardholder avail flexible payment options on the PharmEasy HDFC Bank Credit Card?

Yes. The flexible payment options will be given only to the eligible cardholders as per bank’s policy.

How does a cardholder get PharmEasy HDFC Bank Credit Card monthly statement?

Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the statement by log in to HDFC Bank NetBanking or HDFC Bank MyCard App or HDFC Bank Mobile App online.

How does a cardholder pay the outstanding dues of PharmEasy HDFC Bank Credit Card bill?

A cardholder can pay the outstanding dues of HDFC Bank credit card via a range of convenient options. Please refer to the below link for more information: https://www.hdfcbank.com/personal/pay/bill-payments/hdfc-bank-credit-card-bill-payment

What is the interest rate charged per month on the PharmEasy HDFC Bank Credit Card?

Please refer to the below MITC link for the interest rate: MITC in English

What should a cardholder do in case of credit card being lost/stolen?

In case your card is lost or stolen, please block your card immediately to avoid it from being misused. To block your card either:

Call HDFC Bank PhoneBanking Number (1800-1600 / 1800-2600 / 1800-25-8282-638)
Log onto HDFC Bank NetBanking and block your card using the 'Hotlisting' option

Also, please refer to the below link for more information: https://www.hdfcbank.com/personal/pay/cards/credit-cards/block-loststolen-card

How does a cardholder report a transaction dispute?

Please refer to the below link for details to report a transaction dispute https://www.hdfcbank.com/personal/need-help/report-unauthorized-transactions

What are the different types of charges & fees levied on the PharmEasy HDFC Bank Credit Card?

To know the different type of charges & fees on the credit card, please refer to the below MITC link: MITC in English

When will be the cashback/cashpoints posted?

All cashback/cashpoints posting will be made on settlement date + 1, post meeting respective spend criteria.

What is the validity of earned Cashback/Cashpoints?

The validity of earned cashback/cashpoints is 24 months.

Value Benefit Chart for PharmEasy HDFC Bank Credit Card:

Save up to Rs. 54,799 (8%) on your Medicine & Personal spends of Rs. 6,70,000 in a year with Pharmeasy HDFC Bank Credit Card
List	Benefits & Offers	Spends per year	Savings per year	Assumptions
Get rewarded for choosing health	10% cashback on all PharmEasy and Thyrocare spends	1,80,000	18,000	18,000 Rs. 15000 spends per month (except EMI spends)
Get rewarded for choosing health	Free 3 month of Pharmeasy Plus membership		499
Get rewarded on every spend	3% cashback on merchants like Swiggy, Zomato, Flipkart, Amazon, Myntra, Make My Trip, Urban Company	2,00,000	6,000	Rs. 16,500 spends per month (except EMI spends)
Get rewarded on every spend	1% cashback on all other spends	2,00,000	2,000	Rs.16,500 spends per month (except EMI spends)
Rewards to get you started	10% cashback on all PharmEasy and Thyrocare spends	30,000	3000	Rs.10,000 spends per month for first 3 months only
Travel/lounge Benefits	Complimentary 8 Domestic Airport Lounge Access per year		24,000	Rs. 3000 per lounge visit
Annual Fee Benefit	Annual fee waived off on spends of Rs.70,000 in a year.		500	Rs. 70,000 spends per year (except EMI spends)
Welcome Benefit	Rs.200 flat cashback on 1st transaction with min spend of Rs.500 (excluding fuel, wallet and EMI transactions)		200	Minimum spends is Rs. 500
Rewards on Fuel	1% Fuel Surcharge Waiver	60,000	600
	Total	6,70,000	54,799 (8%

Debit Cards

All Debit Cards

What is the procedure to follow if my Debit Card PIN is blocked?

Please note that if you enter an incorrect PIN three times in the ATM, your access gets blocked for security reasons. It gets activated after 24 hours. Kindly use your Debit / ATM Card at the ATM after 24 hours with the same PIN available with you. If your account still remains inaccessible, please apply for new PIN.

You can apply for regeneration of your ATM / Debit PIN in following ways:

Fill-up the new PIN application form and submit it at any of our branches. On receipt of the form and successful verification, we will process a new ATM PIN and send it to your mailing address, as registered in our records.
Submit a request at PhoneBanking, after validation with your Telephone Identification Number (TIN).
For every PIN Regeneration request, charges of Rs. 50 + Service Tax + Educational Cess is applicable.

For more details, Contact Us

Why is 2nd Level authentication made mandatory for all Card related online transactions?

All online card transactions, as per RBI’s mandate, need to have a second level authentication when a transaction is made. Hence the cards need to be registered for Verified by Visa(VBV)or MasterCard Secure Code to complete an online transaction. A transaction can be carried out only on those websites that are Verified by Visa or MasterCard Secure Code enabled.

Thus when you are making an online transaction on these websites you will be prompted to register for the service, if you have not registered till date.

You can fill the required details and complete the transaction after registering. You can also register your card for Verified by Visa or MasterCard Secure Code here.

Can I use my Debit Card to pay online?

Currently your Debit Card can be used to make purchases from online merchants who have the Verified by Visa/ MasterCard SecureCode certification displayed on their web site.

Learn more about using your Debit card for making online purchases here.

What should I do if my Debit Card is not working?

If there is a technical problem because of which your card is not working, we request you to contact us on our Phone Banking center or branch and hotlist/block the said card.

Please make a request to issue a new card for your account which will be free of cost and should be delivered to you in 7 working days time once issued.

For more details on PhoneBanking numbers and their timings, click here.
For a comprehensive list of branches, click here.

How do I enable International Usage on my HDFC Bank Rewards Debit Card?

Please find below the steps to enable International Usage for you HDFC Bank Rewards Debit Card:

Steps to Enable International Usage on Debit Card:

Log on to NetBanking
Click on Cards tab and go to Debit Cards menu
Click on Request
Select 'Set International / Domestic Usage'
Select the option 'Card to be enabled for International and Domestic Use'

Steps to Modify Daily International Usage on Debit Card

Log on to NetBanking
Click on Cards tab and go to Debit Cards menu
Click on Request
Select 'Modify International Limit'
Set your daily international limit

What are the Debit Card transaction fees if I swipe my card at Petrol pumps or Railway stations?

The following are the transaction charges applicable when you use the Debit Card at:

Petrol pumps: Rs. 10 or 2.5% of the transaction amount (whichever is greater).
Railway Stations: Flat charge of Rs. 30 per ticket + 1.8% of the transaction amount.
IRCTC: Transaction charge of 1.8% of the transaction amount

Please note that there are no transaction fees applicable at other merchant locations. These charges attract a Service Tax and an Swachh Bharat Cess as applicable, in terms with the current Finance Bill.

What is the procedure to replace a damaged Debit Card?

We request you to contact the Bank using Phone Banking (available 24x7), where you can Hotlist your card immediately and simultaneously request for re-issuance of a new card.

You may also submit a written instruction at the nearest branch to hotlist and re-issuance of ATM / Debit Card. Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16).

For more details, Contact Us.

Why is the customer required to fill a cardholder dispute form (CDF) to report transaction dispute?

A duly filled in Cardholder Dispute Form (CDF) mentioning all the required details of the disputed transaction(s) and the exact nature of dispute, aids the Cardholder as well as the Bank to initiate accurate investigation with the respective Merchant / Member Bank.

Pls click on link below to view the cardholder dispute form:
Cardholder Dispute Form

NOTE: A detailed email mentioning all the required details and supporting documents (if any), as mentioned in the CDF, can also be written to support@hdfcbank.com.

What is the time frame to resolve Domestic ATM transaction disputes?

7 working days from receipt of the dispute.

What is the time frame to report Debit Card transaction dispute?

Transaction dispute needs to be reported in writing within 30 days from the transaction date.

Which documents are to be submitted with respect to the failed/ disputed transaction?

The Debit Cardholder must submit the following documents along with the dully filled Cardholder Dispute Form (CDF).

Transaction type	Documents to attached
Transaction declined but funds are debited from the account	Void charge-slip OR email/letter from merchant confirming transaction not completed
Amount debited but payment made through an alternate mode	Proof of payment by alternate mode
Excess amount debited	Proof of actual amount authorized/agreed with the merchant
Transaction cancelled but refund from merchant not credited / Damaged goods/ Quality of the product or services is not as agreed	Cancellation confirmation from the merchant/ refund confirmation

It is strongly recommended to check if the amount has already been credited /adjusted into your e-wallet / subscriber account in case of ecommerce transactions.

How do I report such service/merchant related transaction dispute incurred using my Debit Card transaction?

We strongly recommended that for all service related disputes, the Debit Cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution.

Considering all attempts have been made to resolve dispute with the merchant, you may call PhoneBanking team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction(s) details to support@hdfcbank.com OR submit the same at your nearest HDFC Bank branch.

What is a service dispute?

Following transactions are categorized as service dispute.

Transaction declined but funds are debited from the account
Amount debited but payment made through an alternate mode
Excess amount debited
Transaction cancelled but refund from merchant not credited
Dual Debits /Duplicate debits for the same merchant, amount, date and time
Damaged goods/ Quality of the product or services is not as agreed.

What is the time frame to resolve Purchase/ Online & International ATM transaction disputes?

Approximately 45 to 120 days from receipt of the dispute depending upon the relevant franchise's ( e.g. Visa / Master / Rupay / Diners etc.) dispute resolution cycle.

What is the process to track my ATM Card or Debit Card?

Please call on our PhoneBanking Number to Know the status of your applied Debit/ATM card OR Visit your nearest branch

Rupay premium debit card

Can I use the RuPay Platinum Debit Card to pay online?

Rupay Platinum Debit Card can be used at ATM and shopping outlets Internationally as well as in India.

What if I want to use my Debit Card internationally?

RuPay Platinum Debit Card can only be used in India. To get a Debit Card that can be used internationally, please visit the nearest branch and request for a Visa / MasterCard Debit Card. Kindly note all new Visa / MasterCard Debit Cards are only activated for domestic usage, as per RBI guideline. To instantly enable international usage on your Visa / MasterCard Debit Card, please log in to NetBanking > Debit Cards (tab) > Set International / Domestic Usage.

Where can the RuPay Platinum Debit Card be used?

This HDFC Bank RuPay Platinum Debit Card is enabled for both domestic and International transactions. You can use your debit card for shopping at Merchant outlet and cash withdrawal at both Domestic and International locations. Additionally your card can be used online on domestic websites.

Are there any annual charges with RuPay Platinum Debit Card?

The annual fee of the RuPay Platinum Debit Card is Rs. 150 + taxes. For more details on fees & charges please refer the section "What are the charges of the RuPay Platinum Debit Card?"

Can I use the RuPay ATM card at Merchant outlets or on Ecom website?

No, the ATM card can be used on to withdraw money from ATM machines only. The ATM cards cannot be used for payment at Merchant outlets or on Online payments

Times Points Debit Card

What is Times Points?

Times Points is a unique loyalty program for HDFC Bank Times Points Debit Card. You can earn Times Points by using your Debit Card for offline/online spends. You can redeem your Times Points to avail exciting offers from timespoints.com

How do I register for Times Points?

As an HDFC Bank Times Points Debit Card holder you will be auto-registered for the Times Points loyalty program. You will receive an auto-generated mail at your bank reg email id. This email will have a link to help your setup your account, set password etc.

How can I earn Times Points?

HDFC bank Times Points Debit Card users can earn points by simply using their Debit Card on offline (Point of Sale) or online (E-Commerce) transactions.

Where do I redeem Times Points?

Please login to www.timespoints.com using your registered email id and follow these setup: simple steps:

Click on the redeem tab and view the offers
Select an offer and click on "Redeem"
Enter delivery location with pin code verification
Mention contact details and click on “Continue”
Review and confirm your order.
On successful redemption you will receive a confirmation on your registered email id.

In case of sufficient points, users can click the “Quick Redeem” button on Homepage in the “Redeem your points on exciting rewards & offers” section.

In case of query regarding registration to Times Points account, redemption of Times Point please write to CS@timespointsdebit.com

How Can I Get My Times Points Debit Card?

If you are an existing HDFC Bank account holder following are the process to get a Times Points Debit Card:

1. Please visit the nearest HDFC Bank branch and apply for Times Points Debit Card
2. Call Phone banking and put a new request for Times Points Debit Card(in case you do not have any Debit Card) or request for upgrade of your card to Times Point Debit Card.

In case you do not have an existing account with HDFC bank then we would request you to visit the nearest branch to open an account and request for a Times Points Debit Card.

When do the Times Points expire?

Your earned points are valid for 12 months from the date of earning. The points will expire on the 1st of every month.

Can I convert my TimesPoints into real cash?

No, TimesPoints do not have an extrinsic monetary value. You can redeem the points to avail promotional coupons and discount vouchers.

How can I earn Times Points?
HDFC bank Times Points Debit Card users can earn points by simply using their Debit Card on offline (Point of Sale) or online (E-Commerce) transactions.

Imperia Platinum Chip Debit Card

Are there charges I should know about Imperia Platinum Chip Debit Card?

Another benefit of the Platinum Debit card is that there are absolutely no transaction charges to worry about when shopping at a merchant location.

Any Fuel surcharge levied will be reversed within 75 days from the date of levy of the surcharge(upto a maximum of Rs. 750 per month per card. You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

What should I do in the case of a void transaction Imperia Platinum Chip Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here .

Where can I use my Imperia Platinum Debit Card?

Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your Platinum Debit Card at all HDFC Bank ATMs just like a normal card.

Are there any transaction limits for Imperia Platinum Chip Debit Card?

Depending on the balance in your account, it is possible to withdraw up to Rs. 1 lakh at the ATM daily and spend Rs 5 lakhs daily. These limits have been set for your card security.

EasyShop NRO Debit Card

What should I do in the case of a void transaction for NRO Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.

Are there extra charges NRO Debit Card?

There are absolutely no transaction charges when using your card at a merchant location. Just remember that at petrol pumps and railways you will be charged as per industry practice.

Where can I use my EasyShop NRO Debit Card?

Look for the VISA logo at merchant locations, and the VISA/PLUS sign at ATMs.

Are there transaction limits for NRO Debit Card?

Subject to the balance in your account, the daily limits are Rs. 1 lakh at ATMs and Rs. 2.75 lacs at merchant locations in India. These limits have been set for the security of your card.

HDFC Bank Rewards Debit Card

What should I do in the case of a void transaction for Rewards Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to Support@hdfcbank.com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers click here.

What are the transaction limits for Rewards Debit Card?

The daily limits are Rs. 50,000 at the ATM and Rs. 3, 50,000 at merchant locations as well as online transactions. This is subject to the balance in your account, and is for your account security.

Are there charges I should know about HDFC Bank Rewards Debit Card?

Another benefit of the Rewards Debit card is that there are absolutely no transaction charges when shopping at a merchant location.

Can a chip card be used for online transactions?

Yes the chip card can be used for online transactions. The HDFC Bank Rewards Debit Card has to be registered for 'Verified by Visa’ which ensures safe online transactions after which the card can be used online.

What is Smartbuy? How do I redeem the reward points at SmartBuy?

Earn and redeem at a click!

The Procedure for checking Reward Points is as follows:

Customer will able to check Reward Points on His Reward Debit Card by the following means:

1. Netbanking - Under CashBack program, there is a separate section of Rewards Point

2. PhoneBanking - Customer can call Phonebanking and check balance Reward Points

(Customer will able to redeem Reward Points in the multiple of 250 Reward Points. Value of 1 Reward Point is Re. 1)The Rewards points earned at the partner merchants will be credited within 90 days from the date of transaction.
Please note that all Rewards Points accumulated will be valid for redemption for 12 months. Rewards points earned will lapse from 13th month onwards.

The Procedure for redeeming Reward Points is as follows:

Redeem points through NetBanking:
Login to NetBanking > Cards tab > Debit Cards option > Enquiry tab > CashBack Enquiry & Redemption

EasyShop Womans Advantage Debit Card

What should I do in the case of a void transaction for Womans Advantage Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.

Where can I use my EasyShop Woman’s Advantage Debit Card?

Your card will be valid the world over – just look for the VISA sign.

Are there extra charges for Womans Advantage Debit Card?

There are absolutely no transaction charges to think about when using your card at a merchant location. There are also no fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.

What if Womans Advantage Debit Card is lost or stolen?

You will not have any liability for fraudulent transactions.

Are there transaction limits for Womans Advantage Debit Card?

Subject to the balance in your account, the daily limits are Rs. 25,000 at ATMs and Rs. 1.75 lacs at merchant locations. These limits have been set for the security of your card.

EasyShop Debit Card

How does this card work? What should I know?

When you want to make a purchase, just present your card to the store merchant. They will swipe the card through an electronic reader, and enter the amount to be paid. You will need to sign a transaction slip, and you should be given a copy. After this, your HDFC Bank account is debited automatically.

What should I do in the case of a void transaction?

Just fax us a copy of the void transaction slip. You can send it to one of our PhoneBanking numbers or your nearest HDFC Bank branch.

What should I do in the case of a void transaction for International Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.

Are there charges I should know about International Debit Card?

Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to when shopping at a merchant location.

Fuel surcharge levied at select BPCL petrol pumps will be reversed within 75 days from the date of levy of the surcharge. Just make sure your card is swiped at HDFC Bank’s terminal to avail petrol surcharge waiver. You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

Where can I use my EasyShop International Debit Card?

Anywhere you see the Visa logo, and at any ATM displaying the Visa or PLUS logo. Remember, your card can be used at all HDFC Bank ATMs just like a normal ATM card.

Are there transaction limits for Debit Card?

A daily ATM limit of Rs. 25,000 for withdrawals, and Rs. 2,75,000 at merchant establishments .

EasyShop Titanium Royale Debit Card

What should I do in the case of a void transaction for Titanium Royale Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here .

Where can I use my EasyShop Titanium Royale Debit Card?

Just look for the MasterCard logo when shopping. If you'd like to use an ATM, it should have the Master or Cirrus logo. And remember, you can use your EasyShop Titanium Royale Debit Card at all HDFC Bank ATMs just like a normal card.

Are there charges I should know about Titanium Royale Debit Card?

Another benefit of the EasyShop Titanium Royale Debit card is that there are absolutely no transaction charges when shopping at a merchant location.

Are there transaction limits for Titanium Royale Debit Card?

Depending on the balance in your account, it is possible to withdraw up to Rs. 75,000 at the ATM daily, and spend Rs 1.75 lacs daily. These limits have been set for your card security.

EasyShop Business Debit Card

Are there extra charges for International Business Debit Card?

You can be sure that there are no transaction charges when using your card at a merchant location. There are also no petrol surcharges, or fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.

What should I do in the case of a void transaction for International Business Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.

Where can I use my EasyShop Business Debit Card?

Just look for the MasterCard logo when shopping, and if using an ATM check for the MasterCard/Cirrus logo.

Are there transaction limits for Business Debit Card?

Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 5 lacs at merchant locations. These limits have been set for the security of your card.

EasyShop Titanium Debit Card

Where can I use my EasyShop Titanium Debit Card?

Your card can be used at all HDFC Bank ATMs, just like a normal card. When shopping at merchant locations, just look out for the MasterCard logo, and at ATMs check for the Master and Cirrus logo.

Are there any charges to be aware of for Titanium Debit Card?

Check the associated fees here.

What are the transaction limits for Titanium Debit Card?

The daily limits are Rs. 50,000 at the ATM and Rs. 3.5 lakhs at merchant locations. This is subject to the balance in your account, and is for your account security.

What should I do in the case of a void transaction for Titanium Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.

Platinum Debit Card

What should I do in the case of a void transaction for Platinum Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here .

Where can I use my EasyShop Platinum Debit Card?

Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your EasyShop Platinum Debit Card at all HDFC Bank ATMs just like a normal card.

Are there transaction limits for Platinum Debit Card?

Depending on the balance in your account, it is possible to withdraw up to Rs. 1 lakh at the ATM daily and spend Rs. 5 lakhs daily. These limits have been set for your card security.

Are there charges I should know about Platinum Debit Card?

Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to when shopping at a merchant location.

You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

The annual Charges for Easy Shop Platinum Debit Card is Rs. 850 +GST

RuPay Platinum Debit Card

Can I use the RuPay Platinum Debit Card to pay online?

Rupay Platinum Debit Card can be used at ATM and shopping outlets Internationally as well as in India.

What if I want to use my Debit Card internationally?

Where can the RuPay Platinum Debit Card be used?

Are there any annual charges with RuPay Platinum Debit Card?

The annual fee of the RuPay Platinum Debit Card is Rs. 150 + taxes. For more details on fees & charges please refer the section "What are the charges of the RuPay Platinum Debit Card?"

Can I use the RuPay ATM card at Merchant outlets or on Ecom website?

No, the ATM card can be used on to withdraw money from ATM machines only. The ATM cards cannot be used for payment at Merchant outlets or on Online payments

EasyShop Rupay NRO Debit Card

Where can the NRO Rupay Debit Card be used?

This HDFC Bank NRO Rupay Debit Card is enabled for domestic usage only. You can use your debit card for shopping at Merchant outlet and cash withdrawal at Domestic locations.

Can I use the RuPay NRO Debit Card to pay online?

Currently your RuPay NRO Debit Card can be used to make purchases from Domestic online merchants who have the RuPay PaySecure certification displayed on their website.

Are there any annual charges with RuPay NRO Debit Card?

The annual fee of the RuPay NRO Debit Card is Rs. 150 + taxes. For more details on fees & charges please refer the section "What are the charges of the RuPay NRO Debit Card?"

What if I want to use my Debit Card internationally?

RuPay NRO Debit Card can only be used in India. To get internationally active Debit card, apply for a debit card through NRE account.

Why is 2nd Level authentication made mandatory for all Card related online transactions?

All online card transactions, as per RBI’s mandate, need to have a second level authentication when a transaction is made. Hence the cards need to be registered for Verified by Visa(VBV), MasterCard Secure Code or Rupay Pay Secure to complete an online transaction. A transaction can be carried out only on those websites that are Verified by Visa, MasterCard Secure Code or Rupay Pay Secure enabled.

GIGA Business Debit Card

What are the Key Features of GIGA Business Debit Card?

Get Upto 6,000 CashBack every year.
2.5% CashBack point on Saas, Education, Restaurant & Air Spends.
Upto 1% CashBack point on all other spends (excluding Government, Service & Insurance)
Upto 5% CashBack on SmartBuy

Is there an Insurance Cover on GIGA Business Debit Card?

Yes, GIGA Business Debit Card provides Insurance coverage.

Accidental insurance cover up to ₹10 lakhs. Click here for more details.
International Air coverage of ₹1 Cr. Click here for more details
Fire & Burglary insurance up to ₹2 lakhs. Click here for more details

What are the usage limits of GIGA Business Debit Card?

4 Complimentary Spend Based access passes to airport lounges around India annually. You will get complimentary lounge benefit only if you spend ₹ 5000 or more in previous calendar quarter. For more information click here

Are there any transaction limits for GIGA Business Debit Card?

Subject to the balance in your account, the daily limits are Rs. 1 Lakh at ATMs and Rs. 5 lakhs at merchant locations. These limits have been set for the security of your card.

What if GIGA Business Debit Card is lost or stolen?

You will not have any liability for fraudulent transactions.

What should I do in the case of a void transaction GIGA Business Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to support@hdfcbank.com or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers, please Click here.

Are there charges I should know about GIGA Business Debit Card?

The annual Charges for GIGA Business Debit Card is Rs.250 plus applicable taxes

To know other fees & Charges on Debit Card, click here

Preferred Platinum Chip Debit Card

Are there charges I should know about Preferred Platinum Chip Debit Card?

Another benefit of the Preferred Platinum Debit card is that there are absolutely no transaction charges to worry about when shopping at a merchant location.

Any Fuel surcharge levied will be reversed within 75 days from the date of levy of the surcharge(upto a maximum of Rs. 750 per month per card. You can use your card charge-free at all HDFC Bank ATMs but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

What should I do in the case of a void transaction Preferred Platinum Chip Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here .

Where can I use my Preferred Platinum Debit Card?

Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your Preferred Platinum Debit Card at all HDFC Bank ATMs just like a normal card.

Are there any transaction limits for Preferred Platinum Chip Debit Card?

Depending on the balance in your account, it is possible to withdraw up to Rs. 1 lakh at the ATM daily and spend Rs 5 lakhs daily. These limits have been set for your card security.

Classic Platinum Chip Debit Card

Are there charges I should know about Classic Platinum Chip Debit Card?

Another benefit of the Classic Platinum Debit card is that there are absolutely no transaction charges to worry about when shopping at a merchant location.

Any Fuel surcharge levied will be reversed within 75 days from the date of levy of the surcharge (upto a maximum of Rs. 750 per month per card. You can use your card charge-free at all HDFC Bank ATMs but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice.

What should I do in the case of a void transaction Classic Platinum Chip Debit Card?

Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here .

Where can I use my Classic Platinum Debit Card?

Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your Classic Platinum Debit Card at all HDFC Bank ATMs just like a normal card.

Are there any transaction limits for Classic Platinum Chip Debit Card?

Depending on the balance in your account, it is possible to withdraw up to Rs. 1 lakh at the ATM daily and spend Rs 5 lakhs daily. These limits have been set for your card security.

Millennia Debit Card

Are there extra charges for Millennia Debit Card?
You can be sure that there are no transaction charges when using your card at a merchant location. There are also no petrol surcharges, or fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.

What should I do in the case of a void transaction for Millennia Debit Card?
Just fax us a copy of the void transaction slip. You can also send it to support@hdfcbank.com or submit the same at your nearest HDFC Bank branch . For PhoneBanking numbers Click Here.

Are there transaction limits for Millennia Debit Card?
Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 3.5 lacs at merchant locations. These limits have been set for the security of your card.

Prepaid Cards

FoodPlus Card

1. What is the essence of the FoodPlus Prepaid Card
The FoodPlus Prepaid Card streamlines your corporate financial transactions with its electronic convenience, perfect for handling reimbursements, small-scale salary distributions, and incentive programs. It's tailored to accelerate and simplify the payment process for businesses.

2. Who is eligible for the FoodPlus Prepaid Card
All corporations engaged with HDFC Bank, whether your partnership is blossoming or well-established, can secure a FoodPlus Prepaid Card for their team members.

3.Can you highlight the advantages of using the FoodPlus Prepaid Card
Certainly! Enjoy widespread acceptance at every merchant location nationwide, seamless online transactions, effortless loading via E-net, direct debit, or cheques, plus transaction alerts via SMS/email, and the ease of balance inquiries at any ATM across India.

4. What is the tenure of the FoodPlus Prepaid Card
Your FoodPlus Prepaid Card remains active for five years, retaining its validity until the final working day of the month mentioned on your card.

5. Where does the FoodPlus Prepaid Card find its utility?
Your card is valid at all food and beverage outlets and online for Ecom transactions ( restricted to Food & Beverage) including Swiggy, Zomato.

6.How can one administer the FoodPlus Prepaid Card
Administer your card with ease via our Prepaid Card NetBanking Portal. Track your balance, peruse your transaction history, manage your spending limits, subscribe to e-statements, alter your PIN, and secure your card

7. How do we update the FoodPlus Prepaid Card password?
Simply sign in to our Prepaid Card NetBanking portal, navigate to 'Manage My Profile,' select 'Change Password,' and follow the prompts to ensure your credentials are up-to-date.

8.What's the cap on loading funds to the FoodPlus Prepaid Card
Companies can load a maximum of Rs. 2 lakhs for full KYC cards.

9. Are transaction alerts provided for the FoodPlus Prepaid Card
Absolutely, each transaction triggers an alert to your registered mobile number, and you can also monitor activity anytime via the Prepaid Card NetBanking Portal.

10. What steps should be taken if the card is misplaced or stolen?
If your card ever falls into the wrong hands, promptly block it through the Prepaid Card NetBanking Portal under Account Tab >> Block lost/Stolen card or contact our Phone Banking service at 1800 1600/1800 2600 for immediate assistance.

11. What should one do if they detect unauthorized transactions?
Should you notice any transactions that weren't authorized by you, it's crucial to inform HDFC Bank without delay and have your card blocked or hotlisted to prevent further misuse. You can do so by contacting our Phone Banking service at 1800 1600/1800 2600

12. How can I change my demographic details?

Don't worry! We're here to help you update your details quickly and easily.

For Mobile Number / Email ID:

Visit https://hdfcbankprepaid.hdfcbank.com/hdfcportal/index and log in using your credentials.

Update Your Contact Information:

Click on Manage My Profile.
Go to Contact Information and select Edit.
Enter your new mobile number or email ID and verify the changes using the OTP sent to your registered mobile number.

Your details will be updated instantly, and you’ll receive a confirmation via SMS on your registered mobile number. Please let us know if you need assistance at any step, and we'll be happy to help.

For Address Update:

Submit Your Application:

Visit your nearest HDFC Bank branch at a time that’s convenient for you.
Submit a signed application for "Change in Address" along with a documentary proof of your new address. Please bring the original documents for verification.

We understand the importance of having your correct address on file. Your mailing address will be updated within 7 working days once we receive and verify your application and documents. Thank you for your patience and cooperation.

13. How can I get my card statement ?
After you have logged into Prepaid Card NetBanking portal
• Select option "Account" >> "Request Statement" >> “Submit” >> Select Date Range >> "Submit".

14. How can I transfer the balance from old card to new card ?
Kindly liaise with your corporate SPOC Admin, for balance transfer from old card to new card as request should flow to the Bank via Corporate SPOC Admin.

15. Is there any Issuance or Annual Fees for Foodplus card?
Kindly refer to https://www.hdfcbank.com/personal/pay/cards/prepaid-cards/foodplus-card/fees-and-charges for all fees and charges applicable.

16. How do I replace my card since card is expired and have card balance in it?
Kindly liaise with your corporate SPOC Admin, since for card replacement; request should flow to the Bank via Corporate SPOC Admin.

17. How do I change my ATM PIN ?
After you have logged into Prepaid Card NetBanking portal, you can change your PIN using the "Account" and 'Set ATM PIN' option in the top part of the screen.

Giftplus card (Old)

1. What are Giftplus prepaid Cards used for?
Gift Cards can be used as a convenient gifting option or for personal spending. This prepaid giftplus cards can be issued during birthdays, anniversaries, weddings and festivals etc. The card can be issued by the corporates to their employee as gift or incentives. They can be redeemed at specific retailers for purchases, making them a convenient way to shop for gifts.

2. What's the cap on loading funds to the Giftplus Prepaid Card
Gift Cards are offered with a range of values. You can load an amount ranging from Rs 500 to Rs 10,000 on the Gift Card, making it a flexible and customisable gifting option to suit your budget and preferences.

3. What is the tenure of the Giftplus Prepaid Card?
Your Giftplus Prepaid Card remains active for three years, retaining its validity until the final working day of the month mentioned on your card.

4. Where does the Giftplus Prepaid Card find its utility?
Your card is your passport to a wide array of services and products, valid at all merchant outlets for in-store or online purchases, including shopping, dining, travel, bill settlements, entertainment, and more.

5. How can one administer the Giftplus Prepaid Card?
Administer your card with ease via our Prepaid Card NetBanking Portal. Track your balance, peruse your transaction history, manage your spending limits and alter your PIN to secure your card.

6. How do we update the Giftplus Prepaid Card's password?
Simply sign in to our Prepaid Card NetBanking portal, navigate to 'Manage My Profile,' select 'Change Password,' and follow the prompts to ensure your credentials are up-to-date.

7. Are transaction alerts provided for the Giftplus Prepaid Card?
Each transaction triggers an alert to your registered mobile number, and you can also monitor activity anytime via the Prepaid Card NetBanking Portal.

8. What steps should be taken if the card is misplaced or stolen?
If your card ever falls into the wrong hands, promptly block it through the Prepaid Card Net Banking Portal under Account TAB >> Block lost/Stolen card or contact our Phone Banking service at 1800 1600/1800 2600 for immediate assistance.

9. What should one do if they detect unauthorized transactions?
Should you notice any transactions that weren't authorized by you, it's crucial to inform HDFC Bank without delay and have your card blocked or hotlisted to prevent further misuse. You can do so by contacting our Phone Banking service at 1800 1600/1800 2600

10. How can I change my demographic details?

Don't worry! We're here to help you update your details quickly and easily.

For Mobile Number / Email ID:

Visit https://hdfcbankprepaid.hdfcbank.com/hdfcportal/index and log in using your credentials.

Update Your Contact Information:

Click on Manage My Profile.
Go to Contact Information and select Edit.
Enter your new mobile number or email ID and verify the changes using the OTP sent to your registered mobile number.

For Address Update:

Submit Your Application:

Visit your nearest HDFC Bank branch at a time that’s convenient for you.
Submit a signed application for "Change in Address" along with a documentary proof of your new address. Please bring the original documents for verification.

11. How do I change my ATM PIN ?
After you have logged into Prepaid Card NetBanking portal, you can change your PIN using the "Account" and 'Set ATM PIN' option in the top part of the screen.

12. How can I get my card statement ?
After you have logged into Prepaid Card NetBanking portal
• Select option "Account" >> "Request Statement" >> “Submit” >> Select Date Range >> "Submit".

13. Why is my card not working on ECOM ?
After you have logged into Prepaid Card NetBanking portal under Manage My Profile tab >> Manage Usage Limits >> Select your Card >> Enable the Ecom service and set daily transaction limit.

14. How can I transfer the balance from old card to new card ?
Kindly liaise with your corporate SPOC Admin, for balance transfer from old card to new card as request should flow to the Bank via Corporate SPOC Admin.

15. Is there any Issuance Fees for Gift Plus card?
Kindly refer to https://www.hdfcbank.com/personal/pay/cards/prepaid-cards/giftplus-card/fees-and-charges for all fees and charges applicable.

16. How do I replace my card since card is expired and have card balance in it?
Kindly liaise with your corporate SPOC Admin, since for card replacement; request should flow to the Bank via Corporate SPOC Admin.

MoneyPlus Card

Why is E-commerce and Contactless service feature disabled on my Prepaid Card?

With reference to the RBI circular RBI/2019-20/142 DPSS.CO.PD No.1343/02.14.003/2019-20 dated 15th January 2020 on enhancing security of card transaction, as a security measure the E-commerce and Contactless service has been disabled on Prepaid Cards who have not used these service prior to 31st Mar 2019.
Also, all new cards or replaced cards issued on or after 1st February 2021, the E-commerce and Contactless service has been disabled.

How do I enable E-commerce and Contactless service on my Prepaid Card?

You can easily enable E-commerce and Contactless service on your card by logging in to HDFC Bank Prepaid Card Netbanking by just following below mentioned 4 simple steps.

Login with your User ID and Password
Go to “Account Summary” tab and click on “Manage My Profile” option
Click on “Manage My Limits” tab and then select your “Card”
Enable the service & set transaction/daily limit*

Also you can place the request at the nearest HDFC Bank branch to enable E-commerce and Contactless service on your card.

Is there a usage limit?

Rs 10,000 per transaction for cash withdrawals
No usage limit on POS usage

How soon can I get a MoneyPlus card?

MoneyPlus card is a personalized VISA Card and the TAT for receiving a personalized card is 7 working days.

Is there a load amount limit?

Card balances cannot be more than Rs. 50,000 at any given point in time.

What is the HDFC Bank MoneyPlus Card?

It is an electronic prepaid card issued to corporate organizations.

How do I top up the value a card?

Loading and reloading is as per the corporate instructions. It is not possible for cardholders to request a reload.

What is the essence of the MoneyPlus Prepaid Card?
The Money Plus Prepaid Card streamlines your corporate financial transactions with its electronic convenience, perfect for handling reimbursements, small-scale salary distributions, and incentive programs. It's tailored to accelerate and simplify the payment process for businesses.

Who is eligible for the MoneyPlus Prepaid Card?
All corporations engaged with HDFC Bank, whether your partnership is blossoming or well-established, can secure a Money Plus Prepaid Card for their team members.

Can you highlight the advantages of using the MoneyPlus Prepaid Card?
Certainly! Enjoy widespread acceptance at every merchant location nationwide, cash withdrawals from any ATM, seamless online transactions, effortless loading via E-net, direct debit, or cheques, plus transaction alerts via SMS/email, and the ease of balance inquiries at any ATM across India.

What is the tenure of the MoneyPlus Prepaid Card?
Your Money Plus Prepaid Card remains active for five years, retaining its validity until the final working day of the month mentioned on your card.

Where does the MoneyPlus Prepaid Card find its utility?
Your card is your passport to a wide array of services and products, valid at all merchant outlets for in-store or online purchases, including shopping, dining, travel, bill settlements, entertainment, and more.

How can one administer the MoneyPlus Prepaid Card?
Administer your card with ease via our Prepaid Card NetBanking Portal. Track your balance, peruse your transaction history, manage your spending limits, subscribe to e-statements, alter your PIN, and secure your card

How do we update the MoneyPlus Prepaid Card's password?
Simply sign in to our Prepaid Card NetBanking portal, navigate to 'Manage My Profile,' select 'Change Password,' and follow the prompts to ensure your credentials are up-to-date.

What's the cap on loading funds to the MoneyPlus Prepaid Card?
Companies can load a maximum of Rs. 2 lakhs for full KYC cards.

Are transaction alerts provided for the MoneyPlus Prepaid Card?
Absolutely, each transaction triggers an alert to your registered mobile number, and you can also monitor activity anytime via the Prepaid Card NetBanking Portal.

What steps should be taken if the card is misplaced or stolen?
If your card ever falls into the wrong hands, promptly block it through the Prepaid Card Net Banking Portal or contact our Phone Banking service at 1800 1600/1800 2600 for immediate assistance.

What should one do if they detect unauthorized transactions?
Should you notice any transactions that weren't authorized by you, it's crucial to inform HDFC Bank without delay and have your card blocked or hotlisted to prevent further misuse. You can do so by contacting our Phone Banking service at 1800 1600/1800 2600

How can I change my demographic details?

Don't worry! We're here to help you update your details quickly and easily.

For Mobile Number / Email ID:

Visit https://hdfcbankprepaid.hdfcbank.com/hdfcportal/index and log in using your credentials.

Update Your Contact Information:

Click on Manage My Profile.
Go to Contact Information and select Edit.
Enter your new mobile number or email ID and verify the changes using the OTP sent to your registered mobile number.

For Address Update:

Submit Your Application:

Visit your nearest HDFC Bank branch at a time that’s convenient for you.
Submit a signed application for "Change in Address" along with a documentary proof of your new address. Please bring the original documents for verification.

Millennia Prepaid card

What is the Millennia Prepaid Card
This digital solution helps you to manage daily expenses that can be spend for apparel, communication, books & periodicals, etc. These funds are stored in your Millennia Prepaid Card account on the cloud, and can be spent, to make purchases at relevant stores and websites.

What does the Millennia Prepaid Card mean?
A Prepaid Card is a financial instrument which can be preloaded with a designated amount in rupees for subsequent use as per Cardholder’s requirement. It empowers the card holder and provides control and convenience to use the card securely for online shopping and at retail merchants (equipped with a point-of-sale terminal)

What alerts will I receive
You will receive transaction alerts on the mobile number & email id registered at the time of placing the request. You can track all your spends anytime on Prepaid NetBanking portal.

Can I use the Millennia Prepaid INR Card to withdraw money from an ATM?

Yes, you can use Millennia Prepaid INR Card to withdraw cash from an ATM with applicable charges. Additionally, cash withdrawal at POS in India is also allowed on your Millennia Prepaid INR Card with applicable charges. Limits of cash withdrawal at POS is as below:

Per transaction limit is Rs. 2,000/-, Per day limit is Rs. 5,000/- & Per month is Rs.10,000/-.

Do I need to use the entire money at one go or can I make multiple purchases
You can consume available balance either at one time or over multiple purchases

How can I change my demographic details?

Don't worry! We're here to help you update your details quickly and easily.

For Mobile Number / Email ID:

Visit https://hdfcbankprepaid.hdfcbank.com/hdfcportal/index and log in using your credentials.

Update Your Contact Information:

Click on Manage My Profile.
Go to Contact Information and select Edit.
Enter your new mobile number or email ID and verify the changes using the OTP sent to your registered mobile number.

For Address Update:

Submit Your Application:

Visit your nearest HDFC Bank branch at a time that’s convenient for you.
Submit a signed application for "Change in Address" along with a documentary proof of your new address. Please bring the original documents for verification.

Have more questions, check our FAQs Section

MoneyPlus Petro Card

What is the essence of the Money Plus Petro Prepaid Card?
The Money Plus Petro Prepaid Card streamlines your corporate financial transactions with its electronic convenience, perfect for handling reimbursements, small-scale salary distributions, and incentive programs. It's tailored to accelerate and simplify the payment process for businesses.

Who is eligible for the MoneyPlus Petro Prepaid Card?
All corporations engaged with HDFC Bank, whether your partnership is blossoming or well-established, can secure a MoneyPlus Petro Prepaid Card for their team members.

Can you highlight the advantages of using the MoneyPlus Petro Prepaid Card?
Certainly! Enjoy widespread acceptance on all Petrol Pumps/Petrol MCC /Gas stations nationwide, effortless loading via E-net, direct debit, or cheques, plus transaction alerts via SMS/email, and the ease of balance inquiries at any ATM across India

What is the tenure of the MoneyPlus Petro Prepaid Card?
Your MoneyPlus Petro Prepaid Card remains active for five years, retaining its validity until the final working day of the month mentioned on your card.

Where does the MoneyPlus Petro Prepaid Card find its utility?
Your card can be used at Petrol Pumps/Gas stations for fuel and the usage is restricted only for fuel includes petrol, diesel, gas.

How can one administer the MoneyPlus Petro Prepaid Card?
Administer your card with ease via our Prepaid Card NetBanking Portal. Track your balance, peruse your transaction history, manage your spending limits, subscribe to e-statements, alter your PIN, and secure your card.

How do we update the MoneyPlus Petro Prepaid Card's password?
Simply sign in to our Prepaid Card NetBanking portal, navigate to 'Manage My Profile,' select 'Change Password,' and follow the prompts to ensure your credentials are up-to-date.

What's the cap on loading funds to the MoneyPlus Petro Prepaid Card?
Companies can load a maximum of Rs. 2 lakhs for full KYC cards.

Are transaction alerts provided for the MoneyPlus Petro Prepaid Card?
Absolutely, each transaction triggers an alert to your registered mobile number, and you can also monitor activity anytime via the Prepaid Card NetBanking Portal.

What steps should be taken if the card is misplaced or stolen?
If your card ever falls into the wrong hands, promptly block it through the Prepaid Card Net Banking Portal under Account TAB >> Block lost/Stolen card or contact our Phone Banking service at 1800 1600/1800 2600 for immediate assistance.

How can I change my demographic details?

Don't worry! We're here to help you update your details quickly and easily.

For Mobile Number / Email ID:

Visit https://hdfcbankprepaid.hdfcbank.com/hdfcportal/index and log in using your credentials.

Update Your Contact Information:

Click on Manage My Profile.
Go to Contact Information and select Edit.
Enter your new mobile number or email ID and verify the changes using the OTP sent to your registered mobile number.

For Address Update:

Submit Your Application:

Visit your nearest HDFC Bank branch at a time that’s convenient for you.
Submit a signed application for "Change in Address" along with a documentary proof of your new address. Please bring the original documents for verification.

How do I change my ATM PIN ?
After you have logged into Prepaid Card NetBanking portal, you can change your PIN using the "Account" and 'Set ATM PIN' option in the top part of the screen.

How can I get my card statement ?
After you have logged into Prepaid Card NetBanking portal

Select option "Account" >> "Request Statement" >> “Submit” >> Select Date Range >> "Submit".

How can I transfer the balance from old card to new card ?
Kindly liaise with your corporate SPOC Admin, for balance transfer from old card to new card as request should flow to the Bank via Corporate SPOC Admin.

Are there any Balance Enquiry fees levied for Moneyplus card?
Kindly refer to https://www.hdfcbank.com/personal/pay/cards/prepaid-cards/moneyplus-card/fees-and-charges for all fees and charges applicable.

How do I replace my card since card is expired and have card balance in it?
Kindly liaise with your corporate SPOC Admin, since for card replacement; request should flow to the Bank via Corporate SPOC Admin.

Will the unused amount on the card be refunded?
Yes. Kindly liaise with your corporate SPOC Admin, for refund; request should flow to the Bank via Corporate SPOC Admin.

MoneyPlus PettyCash Card

What is the essence of the Money plus Pettycash Prepaid Card
The Money plus Pettycash Prepaid Card is specifically designed for corporates to manage their Pettycash expenses, It's tailored to simplify the expense management for businesses.

Who is eligible for the Money plus Pettycash Prepaid Card
All corporations engaged with HDFC Bank, whether your partnership is blossoming or well-established, can secure a Money plus Pettycash Prepaid Card for their team members.

Can you highlight the advantages of using the MoneyPlus Pettycash Prepaid Card?
Certainly! Enjoy widespread acceptance at every merchant location nationwide, cash withdrawals from any ATM, seamless online transactions, effortless loading via E-net, direct debit, or cheques, plus transaction alerts via SMS/email, and the ease of balance inquiries at any ATM across India.

What is the tenure of the Money plus Pettycash Prepaid Card
Your Money plus Pettycash Prepaid Card remains active for five years, retaining its validity until the final working day of the month mentioned on your card.

Where does the Money plus Pettycash Prepaid Card find its utility?
Your card is your passport to a wide array of services and products, valid at all merchant outlets for in-stores, bill settlements, events, etc.

How can one administer the Money plus Pettycash Prepaid Card
Administer your card with ease via our Prepaid Card NetBanking Portal. Track your balance, peruse your transaction history, manage your spending limits, subscribe to e-statements, alter your PIN, and secure your card.

How do we update the Money plus Pettycash Prepaid Card password?
Simply sign in to our Prepaid Card NetBanking portal, navigate to 'Manage My Profile,' select 'Change Password,' and follow the prompts to ensure your credentials are up-to-date.

What's the cap on loading funds to the MoneyPlus Petro Prepaid Card?
Companies can load a maximum of Rs. 2 lakhs for full KYC cards.

Are transaction alerts provided for the Money plus Pettycash Prepaid Card
Absolutely, each transaction triggers an alert to your registered mobile number, and you can also monitor activity anytime via the Prepaid Card NetBanking Portal.

How can I change my demographic details?

Don't worry! We're here to help you update your details quickly and easily.

For Mobile Number / Email ID:

Visit https://hdfcbankprepaid.hdfcbank.com/hdfcportal/index and log in using your credentials.

Update Your Contact Information:

Click on Manage My Profile.
Go to Contact Information and select Edit.
Enter your new mobile number or email ID and verify the changes using the OTP sent to your registered mobile number.

For Address Update:

Submit Your Application:

Visit your nearest HDFC Bank branch at a time that’s convenient for you.
Submit a signed application for "Change in Address" along with a documentary proof of your new address. Please bring the original documents for verification.

E-GiftPlus Card

What is the HDFC Bank eGiftplus Prepaid Card?
HDFC Bank eGiftplus Prepaid Card is a virtual gifting solution. It is an eco-friendly alternative to cash and gift vouchers which can be given to distant friends and family members.
It is a prepaid card with a minimum load of ₹500 and maximum of ₹10,000. Cash withdrawal is restricted. The receiver receives the virtual card via email and can be used to shop online.
Who can apply for an HDFC Bank eGiftplus Prepaid Card?
Anyone who wishes to give their family, friends or colleagues a gift of choice, can apply for this virtual card.
What are the benefits and features of eGiftplus Prepaid Card?

HDFC Bank eGiftplus Prepaid Card is loaded with benefits:

Perfect gift for loved ones on any occasion like birthdays, weddings, anniversaries, festivals i.e., Diwali, Christmas and other special occasions i.e., Father's Day, Women’s Day
Freedom of choice to the beneficiary to spend as per his desire
End-to-end digital journey for card issuance.
Card issuance fee – NIL
Convenience to load the desired amount you want to gift
Personalization with greetings and customized messages
Real-time card delivery to receiver's email inbox

HDFC Bank eGiftplus Prepaid Card is full of features

Useful for purchases at any Indian Ecom site for shopping, food ordering, travel bookings, bill payments, ticket/passes bookings etc
One-time loadable card with a minimum limit of ₹500 and a maximum limit of ₹10,000
Wide range of card designs for every occasion
Manage the card online through MyCards or via dedicated prepaid card portal.
OTP based secured transactions
Transaction alerts to receiver.
Cash Withdrawal is restricted.

What is the validity of eGiftplus Prepaid Card?
eGiftplus card comes with a validity of upto 15 months.
How to apply for an HDFC Bank eGiftplus Prepaid Card?
Click here - https://prepaidcards.hdfcbank.com/retail/retail-gift/login
Which Official Valid Documents (OVD) are required to apply for HDFC Bank eGiftplus Prepaid card?
New to Bank Customer: PAN Number will be required while applying to eGiftplus Prepaid card. The system will validate the details shared.
Existing to Bank Customer: Date of Birth/PAN Number will be required for validating with the bank database.
Receiver’s documents are not required to apply for eGiftplus Prepaid card.
Which details of the receiver (beneficiary) are required to apply for eGiftplus Prepaid Card?
Name, mobile number and email id of the receiver is required to apply for eGiftplus Prepaid Card.
Transaction communication will be triggered on the above registered mobile number and email id.
What are the charges applicable with eGiftplus Prepaid Card?
Charges are listed as below:

Fees & Charges - eGiftplus Prepaid Gift Card	Amount (Rs.) (Excluding GST)
Issuance Fee	Free
Card replacement Fee	Free
Charges on Reissuance (DEAF) RBI circular DBOD.No.DEAF Cell.BC.101/30.01.002/2013-14 dated March 21, 2014	100

What amount can be loaded on HDFC Bank eGiftplus Prepaid Card?
It is a one-time loadable prepaid card with a minimum load value of ₹500 and a maximum value of ₹10,000.

Where can the eGiftplus Prepaid Card be used?
HDFC Bank eGiftplus Prepaid Card is accepted on all major websites in India for shopping, travel booking, food ordering and more.
POS transactions and Cash withdrawal is restricted.
What is the TAT for card delivery post application?
eGiftplus Prepaid Card will be delivered instantly to the receiver’s registered email id and a confirmation email is triggered on the purchaser’s email id.
How to use the eGiftplus Prepaid Card?
Follow the steps to use eGiftplus Prepaid Card

At the checkout page on the Ecom site, select either Credit Card or Debit Card as payment option.
Enter the 16-digit card number and CVV (Card Verification Value) displayed on the portal.
Verify OTP received on receiver’s registered mobile number and done!

How to manage HDFC Bank eGiftplus Prepaid Card?
HDFC Bank eGiftplus Prepaid Card can be managed through the Prepaid Card Portal or MyCards:

Prepaid Card Portal	MyCards
View Balance	View Balance
Check transaction	Check transaction
Limit Setting	Card Control
Change PIN	Temporary Block/Unblock
Lock/Unlock	Permanent Block
Block

Check the below link for:

Prepaid Card Portal: https://prepaidcards.hdfcbank.com/customer/login

MyCards: https://mycards.hdfcbank.com/

Are there any transaction alerts sent for eGiftplus Prepaid Card?
Yes, transaction alerts will be sent to the receiver's registered mobile number.
(Receiver's mobile number registered at the time of card application)
Receivers have the convenience of tracking their transactions anytime through Prepaid Card Portal or MyCards.
What should be done if the card is lost, or any fraudulent transactions are noticed on the card?
If the card is lost or any fraudulent transactions are observed, the same needs to be immediately reported to HDFC Bank.
Block/hotlist the card immediately through the Prepaid Card Portal, MyCards, or call Phone Banking at 1800 1600 or 1800 2600.
What should be done if the card is expired?
Customer can raise a request to reissue the card. The balance will be transferred in the new card.
What should be done if the card is inactive for a period of 12 months?
As per RBI guidelines, the cards with no financial transaction for a consecutive period of 12 months shall be made inactive by the bank after sending a notice to the card holder.
If the card is inactive for 12 months, card will be temporarily blocked. To unblock, visit the Prepaid Card Portal, MyCards, or call Phone Banking at 1800 1600 or 1800 2600.

Giftplus Prepaid Card

1. What is an HDFC Bank Giftplus Prepaid Card?

HDFC Bank Giftplus Prepaid Card is a gifting solution for individuals to give their loved ones on birthdays, weddings, anniversaries, festivals, and other special occasions. It is a prepaid card with a minimum load of Rs 500 and maximum of Rs 10,000 and can be used for offline and online purchases.

It is a great alternative to cash and gift vouchers, leads to no hassle of choosing a gift, and provides freedom of choice to the receiver to buy what they wish or desire.

2. Who can apply for an HDFC Bank Giftplus Prepaid Card?

Anyone who wishes to give their family, friends, or colleagues a gift of choice, can apply for this card.

3. What are the benefits and features of HDFC Bank Giftplus Prepaid Card?

HDFC Bank Giftplus Prepaid Card is loaded with benefits:

Perfect gift for loved ones on any occasion like birthdays, weddings, anniversaries, festivals i.e., Diwali, Christmas and other special occasions i.e., Father's Day, Women’s Day
Freedom of choice to the receiver to buy what they wish or desire
End-to-end digital journey for card issuance
Convenience to load the value of the gift
Personalized with the receiver’s name

HDFC Bank Giftplus Prepaid Card is full of features:

Useful for purchases at any offline merchant or any Ecom site for shopping, dining, travel bookings, bill payments, movies, events, fashion, etc
One-time loadable card with a minimum limit of ₹500 and a max limit of ₹10,000
Security via PIN for in-store transactions and OTP for online transactions
Manage the card online through MyCards or via the Dedicated prepaid card portal
Cash withdrawal restricted
Transaction Alert to the receiver

4. What is the validity of the HDFC Bank Giftplus Prepaid Card?

Giftplus card comes with a validity of upto 3 years.

5. How to apply for an HDFC Bank Giftplus Prepaid Card?

Click here - https://prepaidcards.hdfcbank.com/retail/retail-gift/login

6. Which Official Valid Documents (OVD) are required to apply for HDFC Bank Giftplus Prepaid card?

New to Bank Customer: PAN Number will be required while applying for Giftplus Prepaid card. The system will validate the details shared.

Existing to Bank Customer: Date of Birth/PAN Number will be required for validating with the bank database.

Receiver’s documents are not required to apply for Giftplus Prepaid card

7. Which details of the receiver (beneficiary) are required to apply for Giftplus Prepaid Card?

Name, mobile number, email id and address (basis purchaser’s requirement) of the receiver are required to apply for GiftPlus Prepaid Card.

8. What are the charges applicable on HDFC Bank Giftplus Prepaid Card?

Charges are listed in the table below:

Fees & Charges - Giftplus Prepaid Card	Amount (Rs.) (Excluding GST)
Issuance Fee	100
Card replacement Fee	Free
Balance Enquiry Fee (HDFC Bank ATMs)	10
Balance Enquiry Fee (Other Bank ATMs)	10
Charges on Reissuance (DEAF) RBI circular DBOD.No.DEAF Cell.BC.101/30.01.002/2013-14 dated March 21, 2014	100

9. What amount can be loaded on HDFC Bank Giftplus Prepaid Card?

It is a one-time loadable prepaid card with a minimum load value of ₹500 and a maximum value of ₹10,000

10. Where can HDFC Bank Giftplus Prepaid Card be used?

HDFC Bank Giftplus Prepaid Card can be used at any merchant outlet (POS) and for online purchases on any Indian Ecom website for shopping, travel bookings, food delivery, and more.

Cash withdrawals are restricted on this card.

11. What is the TAT for card delivery post application?

Personalized GiftPlus Prepaid Card will be couriered to customer’s registered address within 7 to 10 working days.

12. How to use the Giftplus Prepaid Card?

Steps to use Giftplus Prepaid Card at any merchant outlet

Swipe the card at the POS machine
Enter PIN and done!

Steps to use Giftplus Prepaid Card on any Ecom site

At the checkout page on the Ecom site, select either Credit Card or Debit Card as payment option
Enter the 16-digit card number and CVV [The CVV (Card Verification Value); 3-digit code on the backside of the card]
Verify OTP received on registered mobile number and done!

13. How to manage HDFC Bank Giftplus Prepaid Card?

HDFC Bank Giftplus Prepaid Card can be managed through the Prepaid Card Portal or MyCards:

Prepaid Card Portal	MyCards
View Balance	View Balance
Check transaction	Check transaction
Limit Setting	Card Control
Change PIN	Temporary Block/Unblock
Lock/Unlock	Permanent Block
Block

Check the below link for:

Prepaid Card Portal: https://prepaidcards.hdfcbank.com/customer/login

MyCards: https://mycards.hdfcbank.com/

14. What are the various modes to view the balance on the card?

Users can view their card balance on Prepaid card portal, MyCards or by calling at the Phone Banking 1800 1600 / 1800 2600.

15. Are the POS and Ecom transactions enabled by default?

Yes, POS and Ecom transactions are enabled by default. It is a ready-to-use card.

16. Are there any transaction alerts sent for HDFC Bank Giftplus Prepaid Card?

Yes, transaction alerts will be sent to the receiver's registered mobile number.

(Receiver's mobile number registered at the time of card application)

Receivers have the convenience of tracking their transactions anytime through the Prepaid Card Portal or MyCards.

17. Can I use Giftplus prepaid card outside India?

No, the card can be used on Indian Ecom sites and at the merchant outlets (POS) within India.

18. What needs to be done if the card is lost or stolen?

If the card is lost or any fraudulent transactions are observed, the same needs to be immediately reported to HDFC Bank.

Block/hotlist the card immediately through the Prepaid Card Portal, MyCards, or call Phone Banking at 1800 1600 or 1800 2600.

19. What should be done if the card is expired?

The customer can make a request to reissue the card. The balance will be transferred in the new card provided; requisites documents are shared.

20. What should be done if the card is inactive for a period of 12 months?

As per RBI guidelines, the cards with no financial transaction for a consecutive period of 12 months shall be made inactive by the bank after sending a notice to the card holder.

If inactive, the card will be temporarily blocked. To unblock, visit Prepaid Card Portal, MyCards, or call Phone Banking at 1800 1600 or 1800 2600.

Smarthub Vyapar Prepaid Card

What is a SmartHub Vyapar Prepaid Card?

SmartHub Vyapar Prepaid card is a General Purpose Reloadable (GPR) card issued to retail merchants and small business owners. This card is bundled along with the existing Merchant Acquiring (POS) offering and can be used for all types of expenses by the Merchant.
What are the usage benefits of the card?

The SmartHub Vyapar Prepaid Card can be used to earn cashback on daily expenses like fuel, groceries, entertainment, apparel, travel, online recharge / shopping, etc.

- Earn 1% Cashback* on Online & Offline (pos) spends
a. Minimum transaction amount of ₹ 100/-
b. Maximum cap for cashback is ₹ 1000/- per month per card*
- Voucher worth Rs. 100 on your first loading of ₹ 2500 or more
- 5% CashBack on Utility Payment (Maximum cap of Rs. 30 per transaction. Eligible on maximum 5 transactions every month)
- 5% cashback on expenses on PayZapp. Standard offers running on Payzapp will be applicable
- Additional benefits from network partners.
- Zero lost card liability
- 24/7 access to Prepaid card net banking or a customer portal
Who can apply?

Prepaid Card offered to small business owners for payments and business expenses. This card can also be applied by any retail customer who wishes to apply and avail the same..
How to apply for the card?

This card will be bundled along with the existing POS offering. Please get in touch with your Merchant RM.
What are the documents required?

SmartHub Prepaid Card digital application form along with Retail Cust ID as per records to be submitted.
What is the TAT for delivery post application?

Personalised Card will be couriered to customer registered address and will have TAT of 7 to 10 days
Can a customer, not holding a Sole Proprietorship account with the bank, Apply for SmartHub Vyapar Prepaid Card?

No. Currently, only sole proprietorship account holders can apply for the card.

Where can I use this card?

This card can be used for all purchases on POS, online purchases and for ATM Cash withdrawals/balance enquiries.
How much amount can be loaded on the card?

The maximum amount per loading is ₹2 Lakh (subject to at any given point card balance should not exceed ₹2 Lakh. There is no minimum amount.
What is the validity of the SmartHub Vyapar Prepaid Card?

The validity of the card is 5 years from the date of issuance.
How to load the SmartHub Vyapar Prepaid Card?

Card can be loaded through following modes:

a. HDFC Prepaid Card Netbanking : Pls follow the below steps
Visit HDFC Bank website >> Click on Login >> Select Prepaid>> Login with User ID & Password>> Select Reload option>>Load value and payment details.

b. Quick Reload portal : Pls follow the below steps
Visit HDFC Bank website >> Personal Banking Services >> Cards >> Prepaid Cards >> Manage your cards>> Select reload your Prepaid card>> Card reload details.
Also you can use the below direct link: https://securepayments.payu.in/hdfc-forex-home
Can I apply for multiple cards?

No. Currently only one card can be applied by a Merchant.
Can I withdraw cash from the ATM through SmartHub Vyapar Prepaid Card

Yes
What is the cash withdrawal limit?

- One can withdraw upto ₹ 1,00,000 in a month in cash.
- The limit for individual transaction may vary across ATMs
What are the charges for cash withdrawal?

- For Transaction Value upto Rs. 1000 – Rs. 20 + GST
- For Transaction Value above Rs. 1000 – 1.85% of the Transaction Value + GST

How can someone check the balance on the card?

- Card holder can check the balance through Prepaid NetBanking under account summary tab
- Card holder can also check the balance on ATM (charges applicable)
What are the charges for balance enquiry on ATM?

- Nil Charges on HDFC Bank ATM
- ₹ 11 + GST on other Bank ATMs
What are the annual fees for the Card?

No annual fees will be charged.
What if someone loses SmartHub Vyapar Prepaid Card?

Card should be blocked instantly by calling the customer care or through Prepaid card Netbanking portal. Replacement card will be provided on request.
How to block/unblock the card?

Customer can Block/Unblock the card by calling the customer care or through Prepaid Netbanking
What is the card replacement fees for the card?

₹ 200+GST
How to raise queries related to SmartHub Vyapar Prepaid Card?

Customer can raise the query through HDFC Bank Customer Care.

Spend/MCC codes which are not eligible for Cashback offer?

Cashback will not be provided for below spends/categories:
- Government Spends
- Insurance
- Prepaid Wallet Load/Re-load
- Security brokers /dealers
- Gambling
- Manual Cash Disbursements
- Prepaid Cards Load/Re-load

Sr No.	No	MCC Description
1	5960	Insurance
2	6010	Financial Institutions - Manual Cash Disbursements
3	6011	Financial Institutions - Automated Cash Disbursements
4	6012	Financial Institutions – Merchandise and Services
5	6211	Security Brokers / Dealers
6	6300	Insurance
7	6540	POI Funding Transactions
8	7399	BUSINESS SERVICES (NEC)
9	7995	Gambling
10	9211	Government
11	9222	Government
12	9311	Government
13	9399	Government
14	9402	Government
15	9405	Government
16	9950	Government

By when my initial funding will be loaded into Card?

Post receiving the card delivery status as "delivered", your initial funding will be loaded into Card on T+1 day.

Will initial loading amount be refunded if my Card doesn’t get delivered?

Yes, if bank doesn’t receive any delivery status for your Card, then on 20th day from card dispatch date the initial loading amount will be refunded to your source account

26. How much cashback will be credited for a customer?

Maximum Cashback for a customer in a month will be ₹1000 (for 1% Cashback on selected online and offline spends) and ₹150 (for 5% Cashback on Utility) irrespective of the number of cards he/she is holding.

Example 1:

If a customer has 3 cards and he/ she is eligible for Cashback in all the 3 cards subject to maximum cash back amounting to Rs.1000 under 1% cashback option and Rs.150 under 5% cashback option. Eligible cashback amount will be processed in respective cards as per process.

Customer 1

Card Number	1% Cash back Amount Eligible	5% Cash Back Eligible
Card Number 1	300	70
Card Number 2	500	30
Card Number 3	200	50
Total	1000	150

In the above Example all cards will get cash back under 1% and 5% categories

Example 2:

If a customer has 3 cards and he/ she is eligible for Cashback in all the 3 cards subject to maximum cash back amounting to Rs.1000 under 1% cashback option and Rs.150 under 5% cashback option. If the customer is achieving the cashback amount from single card, then only one card will get the cashback.

Customer 2

Card Number	1% Cash back Amount Eligible	5% Cash Back Eligible
Card Number 1	1,000	150
Card Number 2	500	30
Card Number 3	1,000	20
Total	2,500	200

While the total cashback amount is Rs.2500 (1% cashback), Rs.1000 will be credited to one card only.

Similarly, only Rs.150 will be credit on Utility spends (5% cashback) even though the total utility cashback is Rs.200. The same will be processed within 90 working days.

27. How can I change my demographic details?

Don't worry! We're here to help you update your details quickly and easily.

For Mobile Number / Email ID:

Visit https://hdfcbankprepaid.hdfcbank.com/hdfcportal/index and log in using your credentials.

Update Your Contact Information:

Click on Manage My Profile.
Go to Contact Information and select Edit.
Enter your new mobile number or email ID and verify the changes using the OTP sent to your registered mobile number.

For Address Update:

Submit Your Application:

Visit your nearest HDFC Bank branch at a time that’s convenient for you.
Submit a signed application for "Change in Address" along with a documentary proof of your new address. Please bring the original documents for verification.

HDFC Phoenix Gift Card

What Is Phoenix Gift Card?

The Phoenix Gift Card is a prepaid card which is a financial instrument which can be preloaded with a designated amount in Indian Rupees for subsequent use as per cardholder’s requirement.
Where Can I Use the Card?

Card can be used at all merchant outlet that accepts VISA cards in Phoenix Marketcity (Mumbai, Chennai, Pune, Bangalore) Phoenix Palassio Lucknow, Phoenix United (Lucknow & Bareilly), Phoenix Palladium Mumbai only. The card cannot be used to withdraw cash.
How Does The Card Work?

Every time the gift card is used, the purchase amount is deducted automatically from the card balance. When you swipe the card at any POS machine, the machine will prompt for PIN. You need to enter your Gift card PIN details to complete the transaction
How To Use The Card At POS?

Swipe the card & input the purchase amount, the terminal will prompt for a PIN. User to punch in the correct PIN. Post verification of the Pin is the transaction will get authenticated / approved.
Can the Card Value Be Topped Up?

This is a one-time single non-reloadable card and the value of the card cannot be topped up.
Are There Any Charges For Using This Card?

No, there are no charges for using this card. If there are any merchant charges/fees, it will be directly debited from your card on every transaction. Charges are subjective to change from time to time.
Where Can I Get the Phoenix Gift Card?

You can purchase The Phoenix gift card at any of the Phoenix Malls located across Mumbai, Chennai, Pune, Bangalore, Lucknow & Bareilly and Online (Respective Malls Website).You can also purchase Online through the respective malls website.
Are KYC Documents Required for Purchasing The Card?

No KYC documents are required to purchase the gift card
Why Am I Being Asked For The Details Of The Person Whom I Wish To Gift The Card To?

The beneficiary details are required as all communication regarding their gift card activation and transactions will be sent to their contact details in future.
What Is the validity of the card?

The validity of the card is three years from the date of activation.
In how much time will my card be loaded from the time Of Activation?

The card will be activated immediately on payment confirmation.
How To Check Balance On Card?
Beneficiary Mobile App: Download the beneficiary mobile app > login > My Cards > the card balance will show
IVRS: Call the support number (printed on the back of the card) using your registered mobile number to check the balance on the card
Concierge: The cardholder can share the Kit Number at the concierge and check their card balance
SMS: After every spend transaction the cardholder gets an SMS with the amount spent and the available card balance
What Do I Do When The Card Limit Has Been Exhausted?

If customer opt for home delivery, then courier charges of ₹ 66+taxes will be applicable.
What Should I Do To Prevent Unauthorized Usage If I Lose The Card?
Beneficiary Mobile App: Download the beneficiary mobile app > Login > Block Card > Select the card you wish to block
IVRS: Call the support number (printed on the back of the card) registered mobile number to block and hotlist the card.
How Do I Use The Money On My Blocked Card?

After you have blocked your card, you can approach your nearest Phoenix Mall Phoenix gift card kiosk & get issued a new card for the fee of INR 25 + taxes . Post which you can call the call centre and get the amount transferred from your blocked gift card to your new gift card. Transfer of balance is only in case of a blocked card
Can I Transfer Funds From One Card To Another?

The funds can be transferred only in case of blocked/hot listed/damaged/lost scenarios
Is There A daily Limit, To Value Of Shopping For A Day?

There is no daily limit on the cardto the value of shopping for a day. You can shop until the balance amount in the card is exhausted.
Can An Expired Gift Card Be Exchanged For A New Gift Card?
You can avail a replacement card in case the gift card has got expired.
Can I Use The Gift Card For Online Transaction?
No, the card can only be used for POS transaction at Phoenix Malls across India.
How Many Gift Cards Can I Buy At One Go?

An Individual can buy maximum 20 Gift cards in a year with maximum amount of INR 10000 each.
What If The Purchase Value At The Brand Store Is Higher Than The Gift Card Value?

If the purchase value is higher than the gift card value the balance can be paid by the customer in any accepted mode of payment at the vendor.
Can Any Item Purchased Through Phoenix Gift Card Be Returned Or Exchanged?
Yes, any item purchased through PGC can be returned or exchanged as per the return policy of the brand /store.
How Many Number Of Gift Cards Can Be Consolidated To Make A Purchase?
Any number of gift cards can be consolidated to make the purchase as per the payment policy of the brand/store.

1. Can the card be couriered to my address?
Yes the card can be courier at your address but the courier charges have to be borne by you.
2. How do we ensure the card is delivered to the right person? Otp validation is done to ensure the cad is delivered to the cardholder.
HOW is the VALIDATION PROCESS
3. In case the card is undelivered what happens to my amount on the card if the card is not claimed
The funds can be transferred to the source account in case the card is not claimed.
4. Once i Purchase the card can it be cancelled and refunded?
Yes only the purchaser can cancel and claim for refund.
5. Where can i collect the card if it is Undelivered?
The card can be picked up from any Phoenix mall if undelivered.
6. What happens to the purchased amount on the card , if card is not claimed?

The funds can be transferred to the source account in case the card is not claimed.
What are the courier Charges?
Rs 66+ 18% GST has to borne by purchaser.
or else where do i know the offers provided by these brands for shopping, dining and entertainement
List of all the 1000+ brands for shopping, dining and entertainment along with the offer
This is available on the Phoenix website as
Delivery Timeline of courier?

Timelines: maximum number of days:
Within Mumbai/Pune: 2-3 days
Lucknow, Bareilly: 4 days
Chennai/Bangalore: 4days
North East/ J&K: 5-6 days
Other States & Cities: 7-10 days
What if I do not receive the gift card courier as per timeline?

Go Payments has no control over the card delivery. We have partnered with BlueDart for Card Delivery.
On the customer portal (on all the Phoenix websites) in card purchase history the AWB number is provided. Card tracking is available on the portal.
Delivery timelines may vary subject to lockdown restrictions across various cities & states.
If purchased online then how to check the balance?
The purchases can be checked through various options:
Beneficiary Mobile App: Download the beneficiary mobile app > login > My Cards > the card balance will show
IVRS: Call the support number (printed on the back of the card) using your registered mobile number to check the balance on the card
Concierge: The cardholder can share the Kit Number at the concierge and check their card balance
SMS: After every spend transaction the cardholder gets an SMS with the amount spent and the available card balance
How do I change my address post purchase of Gift Card?
There is no option to change the address post purchase of the Gift Card. An address confirmation pop up is shown in the portal for checking the courier address for final confirmation.
What all a Gift Card Kit comprises?
A gift card kit comprises of :- A Welcome Letter, the Card, a Pin Mailer and the Terms and Conditions sheet
How to track the delivery
On the customer portal (on all the Phoenix websites) in card purchase history the AWB number is provided. Once the user clicks on that they will be redirected to the courier partner’s webpage for tracking the card.
How to check the purchase History
Customer Journey (on all the Phoenix websites) > Card Purchase History Tab > Enter Purchaser’s Mobile Number > Validate with OTP > Card Purchase History is shown
How to activate the card if purchased online
The cards are dispatched in an activated state. The cardholder does not need to activate the cards.
What if the purchased card is not working?
If the purchased Gift Card is not working the following actions can be taken:
Visit nearest Phoenix Mall Gift Card issuance outlet and report for the Gift Card issue.

Or Write to Phoenix Mall authorities on phoenixgiftcards@go.ooo
Or
Call on the Phoenix Mall authorities on 998848888.
Where to report if card is stolen or lost or misused?
Beneficiary Mobile App: Download the beneficiary mobile app > Login > Block Card > Select the card you wish to block
IVRS: Call the support number (printed on the back of the card) registered mobile number to block and hotlist the card
Email: You can write to us on the registered support email ID printed on the back of the card to hotlist your card.
How do I reschedule my card delivery?
Card Delivery cannot be rescheduled. The delivery will be attempted a maximum of 3 times and then RTO (per normal Bank standards).
Can I cancel my purchase?
Orders once placed cannot be cancelled.
How can I change my demographic details?
For changes in demographic details, please reach out to us at phoenixgiftcards@go.ooo
The changes will be done within 24 hours. An email communication will be sent on the registered email id after the changes are done.

Flexi Benefit Card

1. What is Flexi Benefit Card?

HDFC Bank Flexi Benefit Card is a comprehensive solution that gives corporates the facility of issuing cards to their employees for purposes such as Meal, Fuel, Telecom, LTA, Reward and Recognition, etc.
It is a perfect solution specially designed for corporates to make their payment experience simpler and faster helping them lower administration cost and save time.

2. Who can apply for it?

Any corporate who wishes to issue the Flexi Benefit card to their employees can avail the Flexi Benefit Card. Enquire Now

3. Can you highlight the advantages of using the Flexi Benefit Card?

It digitally manages all corporate benefits through single platform. It provides hassle-free card issuance and loading through corporate dashboard. In addition to real time tracking, card control and management of card benefits, digital KYC process for existing HDFC Bank customers can be done.
Customer can manage their card through customer portal, view card balance, statement, card control, block or unblock the card on one click. Demographic details are updated instantly.

4. What is the validity of Flexi Benefit Card?

The validity is 5 years.

5. Where does the Flexi Benefit Card find its utility?

The Flexi Benefit Card can be used for POS and online purchases depending upon the wallet configuration.

6. How to load the Flexi Benefit Card?

Corporate can load this card via the Corporate Portal.

Access the portal by visiting: https://hdfcbank.poweredby.happay.in

Note: Cash loading on the card and fund transfers from the card is not permitted.

7. What's the cap on loading funds to the Flexi Benefit Card?

The amount outstanding shall not exceed Rs. 2,00,000/- at any point in time on a Full KYC card. For Small/Minimum KYC cards, you can load the card with a maximum of up to Rs.10,000 per month and Rs.1,20,000 per annum.

[The Prepaid cardholder can use the prepaid instrument for purposes within the applicable limits across the Prepaid Payment Instruments (PPIs)].

8. Is there any difference in the process for card usage at POS and for ECOM transactions?

For POS transactions customer needs to enter the card PIN and for ECOM transactions customer needs to enter the card PIN and OTP.

9. Are transaction alerts provided for the Flexi Benefit Card?

Absolutely! Each transaction triggers an alert to your registered mobile number/e-mail, and you can also monitor activity on your card anytime via the Customer Portal.

10. What should one do if one detects unauthorized transactions?

Should you notice any transactions you didn't authorize, inform HDFC Bank immediately and have your card blocked or hotlisted to prevent further misuse.

You can do so through the Customer Portal, corporate admin, or our customer support service at 080-61776177 or email help.hdfcbank@happay.com.

11. What should one do in case of failed transaction?

Amount debited for all failed transactions, gets reversed to the card within 24 hours.
If the amount is not reversed within the specified time, contact our customer support at 080-61776177 or email help.hdfcbank@happay.com.

12. How can a customer administer the Flexi Benefit Card?

Administer your card with ease via our Customer Portal by visiting https://hdfcbank.poweredby.happay.in
Track your balance, check your transaction history, manage your spending limits, change your PIN, secure your card if needed and enable ecom transactions.
POS transactions are enabled by default on the card.

13. How to update the customer portal password?

Sign in to our Customer Portal by visiting https://hdfcbank.poweredby.happay.in, navigate to 'My Profile,' select 'Password,' and follow the prompts to ensure your credentials are up-to-date.

14. What steps should be taken if the card is misplaced or stolen?

If you lose your card or it gets stolen, follow these steps right away:

Block your card using the Customer Portal. Alternatively, you can contact your corporate admin for help or call our customer support immediately at 080-61776177 for assistance.

15. How to close the card?

Utilize the card balance and contact customer support 080-61776177 or email at help.hdfcbank@happay.com for card closure.

16. How can I change my demographic details?

Login to portal: https://hdfcbank.poweredby.happay.in using your credentials

Click on your initials (at the top right corner) > click on my profile > select the edit option against your email id or mobile number > enter new email id or mobile number > enter login password and proceed > Enter OTP received on your registered mobile number or email ID > Success notification will be displayed post instant update of email id or mobile number

17. Why is e-commerce and contactless service features are disabled on my card? And How do I enable e-commerce and contactless services on my card?

As per regulatory guidelines, by-default e-commerce and contactless transactions are disabled on cards for higher security.

E-commerce and Contactless feature can be enabled by customer manually by following below steps:

a) Login to: https://hdfcbank.poweredby.happay.in
b) Go to "My Card" tab
c) Select Your Card >> Manage Card
d) Switch On ECOM and Contactless

18. How to set PIN for the card?

Below are the steps to set PIN:

a) Login to: https://hdfcbank.poweredby.happay.in

b) Go to "Cards & Wallets" tab >> Set PIN

19. How to login to the portal?

Below are the steps to login to the portal:

a) Login to: https://hdfcbank.poweredby.happay.in

b) Input your email ID or Mobile Number

c) Click 'Sign in with OTP' and select 'I'm not a robot'

d) Enter the OTP received on your registered mobile number

20. What are the features available on the portal for the corporate and cardholder?

Features for Corporates:

1) Bulk User Addition and KYC Management

2) Card Control for users

3) Digital funds distribution

4) Passbook - Fund addition and distribution records

5) Card Inventory – Order and Manage card inventory

Features for Cardholders:

1) Digital KYC process

2) Block/unblock card, set PIN and set limits on number of transactions and value of transactions

3) View expenses in real time

4) Transfer funds from wallet to bank account

5) View card details virtually in the mobile application

Petty Cash Card

1. What is Petty Cash Card?

HDFC Bank Petty Cash Card is a solution that gives corporates the facility of issuing cards to their employees for petty cash distribution for bills, small wages, stationaries, taxes, travels, conveyance and other business related miscellaneous expenses.

2. Who can apply for it?

Any corporate who wishes to issue the Petty Cash card to their employees can avail the same. Enquire Now

3. Can you highlight the advantages of using the Petty Cash Card?

It digitally manages fund distribution through single platform. It provide hassle-free card issuance and loading through corporate dashboard. In addition to real time tracking, card control and management of card benefits, digital KYC process for existing HDFC Bank customers can be done.

Customer can manage their card through customer portal, view card balance, statement, card control, block or unblock the card on one click. Demographic details are updated instantly.

4. What is the validity of Petty Cash Card?

The validity is 5 years.

5. Where does the Petty Cash Card find its utility?

The Petty Cash Card can be used for ATM Cash withdrawal at HDFC Bank and other Bank ATMs, POS and online purchases.

6. How to load the Petty Cash Card?

Corporate can load this card via the Corporate Portal.

Access the portal by visiting: https://hdfcbank.poweredby.happay.in

Note: Cash loading on the card and fund transfers from the card is not permitted.

7. What's the cap on loading funds to the Petty Cash Card?

The amount outstanding shall not exceed Rs. 2,00,000/- at any point in time on a Full KYC card. For Small/Minimum KYC cards, you can load the card with a maximum of up to Rs.10,000 per month and Rs.1,20,000 per annum. For Small/Minimum KYC cash withdrawal is not permitted.

[The Prepaid cardholder can use the prepaid instrument for purposes within the applicable limits across the Prepaid Payment Instruments (PPIs)].

8. Is there any difference in the process for card usage at POS and for ECOM transactions?

For POS transactions one need to enter the card PIN and for ECOM transactions one need to enter the card PIN and OTP.

9. Are transaction alerts provided for Petty Cash Card?

Absolutely! Each transaction triggers an alert to your registered mobile number/e-mail, and you can also monitor activity on your card anytime via the Customer Portal.

10. What should one do if one detects unauthorized transactions?

Should you notice any transactions you didn't authorize, inform HDFC Bank immediately and have your card blocked or hotlisted to prevent further misuse.

You can do so through the Customer Portal, corporate admin, or our customer support service at 080-61776177 or email help.hdfcbank@happay.com.

11. What should one do in case of failed transaction?

Amount debited for all failed transactions, gets reversed to the card within 24 hours.

If the amount is not reversed within the specified time, contact our customer support at 080-61776177 or email help.hdfcbank@happay.com.

12. How can a customer administer the Petty Cash Card?

Administer your card with ease via our Customer Portal by visiting https://hdfcbank.poweredby.happay.in
Track your balance, check your transaction history, manage your spending limits, change your PIN, secure your card if needed and enable ecom transactions.
POS transactions are enabled by default on the card.

13. How to update the customer portal password?

Sign in to our Customer Portal by visiting https://hdfcbank.poweredby.happay.in, navigate to 'My Profile,' select 'Password,' and follow the prompts to ensure your credentials are up-to-date.

14. What steps should be taken if the card is misplaced or stolen?

If you lose your card or it gets stolen, follow these steps right away:

Block your card using the Customer Portal. Alternatively, you can contact your corporate admin for help or call our customer support immediately at 080-61776177 for assistance.

15. How to close the card?

Utilize the card balance and contact customer support 080-61776177 or email at help.hdfcbank@happay.com for card closure.

16. How can I change my demographic details?

Login to portal: https://hdfcbank.poweredby.happay.in using your credentials

Click on your initials (at the top right corner) > click on my profile > select the edit option against your email id or mobile number > enter new email id or mobile number > enter login password and proceed > Enter OTP received on your registered mobile number or email ID > Success notification will be displayed post instant update of email id or mobile number

17. Why is e-commerce and contactless service features are disabled on my card? And How do I enable e-commerce and contactless services on my card?

As per regulatory guidelines, by-default e-commerce and contactless transactions are disabled on cards for higher security.

E-commerce and Contactless feature can be enabled by customer manually by following below steps:

a) Login to: https://hdfcbank.poweredby.happay.in

b) Go to "My Card" tab

c) Select Your Card >> Manage Card

d) Switch On ECOM and Contactless

18. How to set PIN for the card?

Below are the steps to set PIN:

a) Login to: https://hdfcbank.poweredby.happay.in

b) Go to "Cards & Wallets" tab >> Set PIN

19. How to login to the portal?

Below are the steps to login to the portal:

a) Login to: https://hdfcbank.poweredby.happay.in

b) Input your email ID or Mobile Number

c) Click 'Sign in with OTP' and select 'I'm not a robot'

d) Enter the OTP received on your registered mobile number

20. What are the features available on the portal for the corporate and cardholder?

Features for Corporates:

1) Bulk User Addition and KYC Management

2) Card Control for users

3) Digital funds distribution

4) Passbook - Fund addition and distribution records

5) Card Inventory – Order and Manage card inventory

Features for Cardholders:

1) Digital KYC process

2) Block/unblock card, set PIN and set limits on number of transactions and value of transactions

3) View expenses in real time

4) Transfer funds from wallet to bank account

5) View card details virtually in the mobile application

FleetXpress Card

1. What is the essence of the FleetXpress Card?
The FleetXpress Card is a Prepaid card that streamlines your corporate financial transactions with its electronic convenience; it is perfect for handling expenses related to trips done by the fleet and small-scale salary distributions. It's tailored to accelerate and simplify the payment process for businesses in the logistics segment.

2. Who is eligible for the FleetXpress Card?
All corporates engaged with HDFC Bank who are in the logistics business and have a fleet of trucks. Whether your partnership is blossoming or well-established, you can secure FleetXpress Cards for your team members.

3. Can you highlight the advantages of using the FleetXpress Card?
Certainly! Enjoy widespread acceptance at every merchant location nationwide, cash withdrawals from any Visa/RuPay ATM, seamless online transactions, effortless loading via Corporate Portal, along with real- time transaction alerts via SMS/email and the ease of balance inquiries at any Visa/RuPay ATM across India.

4. Where does the FleetXpress Card find its utility?
The FleetXpress Card is your passport to a wide array of services and products, valid at all merchant outlets for in-store or online purchases, includingg fuel, shopping, dining, travel, bill settlements, entertainment and more.

5. How much is the validity of the FleetXpress Card?
Your FleetXpress Card remains active for five years, remaining valid until the final working day of the month mentioned on your card.

6. How to load the FleetXpress Card?
Corporate can load the FleetXpress Card via the Corporate Portal. Cash loading on the card and fund transfers from the card cannot be done.

7. What's the cap on loading funds to the FleetXpress Card?
The amount outstanding shall not exceed Rs. 2,00,000/- at any point in time on a Full KYC card. For Small/Minimum KYC cards, you can load the card with a maximum of up to Rs.10,000 per month and Rs.1,20,000 per annum.
[The Prepaid cardholder can use the prepaid instrument for purposes within the applicable limits across the Prepaid Payment Instruments (PPIs)].

8. Are transaction alerts provided for the FleetXpress Card?
Absolutely! Each transaction triggers an alert to your registered mobile number/e-mail, and you can also monitor activity on your card anytime via the Customer Portal.

9. What should one do if one detects unauthorized transactions?
Should you notice any transactions you didn't authorize, informing HDFC Bank immediately and having your card blocked or hotlisted to prevent further misuse is crucial. You can do so through the Customer Portal, corporate admin, or our customer support service at 080-61776177 or email help.hdfcbank@happay.com.

10. What should one do in case of failed transaction?
In case of a failed transaction, when the amount is debited from the card, then the amount is refunded back to the card in 24 hours. If the amount is not refunded within a specified time, contact our customer support service at 080-61776177 or email help.hdfcbank@happay.com.

11. How can one administer the FleetXpress Card?
Administer your card with ease via our Customer Portal by visiting https://hdfcbank.poweredby.happay.in/login. Track your balance, check your transaction history, manage your spending limits, change your PIN, secure your card if needed and enable ecom transactions. ATM and POS transactions are enabled by default on the card.

12. How to update the FleetXpress Card's password?
Sign in to our Customer Portal by visiting https://hdfcbank.poweredby.happay.in/login, navigate to 'My Profile,' select 'Password,' and follow the prompts to ensure your credentials are up-to-date.

13. What steps should be taken if the card is misplaced or stolen?
If you lose your card or it gets stolen, follow these steps right away:

1. Quickly block your card using the Customer Portal.

2. Alternatively, you can contact your corporate admin for help.

3. Or call our customer support immediately at 080-61776177 for assistance.

14. How to close the card?
Contact your corporate to close the card. Corporate admin can withdraw the amount available on the card by transferring the amount to the source account and then closing the card via the corporate portal.

15. How can I change my demographic details?

Don't worry! We're here to help you update your details quickly and easily.

For Mobile Number / Email ID:

Visit https://hdfcbank.poweredby.happay.in and log in using your credentials.

Update Your Contact Information:

Click on your initials located at the top right corner of the screen.
Select My Profile from the dropdown menu.
Choose the Edit option next to your email ID or mobile number.
Enter your new email ID or mobile number.
Enter your login password and proceed.

You will receive a success notification once your email ID or mobile number has been updated.

For Address Update:

Contact Customer Support on 080-6177 6177 or email at help.hdfcbank@happay.com to update your mailing address.

Payroll Card

1. What is Payroll Card?

HDFC Bank Payroll Card is a solution that gives corporates the facility of issuing cards to their employees for salary purposes and wages disbursment to the employees who do not hold a bank account.

2. Who can apply for it?

Any corporate who wishes to issue the Payroll card to their employees can avail Payroll Card. Enquire Now

3. Can you highlight the advantages of using the Payroll Card?

It digitally manages distribution of salaries and wages through a single platform. It provides hassle-free card issuance and loading through corporate dashboard. In addition to real time tracking, card control and management of card benefits, digital KYC process for existing HDFC Bank customers can be done.
Customer can manage their card through customer portal, view card balance, statement, card control, block or unblock the card on one click. Demographic details are also updated instantly.

4. What is the validity of Payroll Card?

The validity is 5 years.

5. Where does the Payroll Card find its utility?

The Payroll Card can be used for ATM Cash withdrawal at HDFC Bank and other Bank ATMs, POS and online purchases.

6. How to load the Payroll Card?

Corporate can load this card via the Corporate Portal.

Access the portal by visiting: https://hdfcbank.poweredby.happay.in

Note: Cash loading on the card and fund transfers from the card is not permitted.

7. What's the cap on loading funds to the Payroll Card?

The amount outstanding shall not exceed Rs. 2,00,000/- at any point in time on a Full KYC card. For Small/Minimum KYC cards, you can load the card with a maximum of up to Rs.10,000 per month and Rs.1,20,000 per annum. For Small/Minimum KYC cash withdrawal is not permitted.

[The Prepaid cardholder can use the prepaid instrument for purposes within the applicable limits across the Prepaid Payment Instruments (PPIs)].

8. Is there any difference in the process for card usage at POS and for ECOM transactions?

For POS transactions one need to enter the card PIN and for ECOM transactions one need to enter the card PIN and OTP.

9. Are transaction alerts provided for the Payroll Card?

Absolutely! Each transaction triggers an alert to your registered mobile number/e-mail, and you can also monitor activity on your card anytime via the Customer Portal.

10. What should one do if one detects unauthorized transactions?

Should you notice any transactions you didn't authorize, inform HDFC Bank immediately and have your card blocked or hotlisted to prevent further misuse.

You can do so through the Customer Portal, corporate admin, or our customer support service at 080-61776177 or email help.hdfcbank@happay.com.

11. What should one do in case of failed transaction?

Amount debited for all failed transactions, gets reversed to the card within 24 hours.

If the amount is not reversed within the specified time, contact our customer support at 080-61776177 or email help.hdfcbank@happay.com.

12. How can a customer administer the Payroll Card?

Administer your card with ease via our Customer Portal by visiting https://hdfcbank.poweredby.happay.in
Track your balance, check your transaction history, manage your spending limits, change your PIN, secure your card if needed and enable ecom transactions.
POS transactions are enabled by default on the card.

13. How to update the customer portal password?

Sign in to our Customer Portal by visiting https://hdfcbank.poweredby.happay.in, navigate to 'My Profile,' select 'Password,' and follow the prompts to ensure your credentials are up-to-date.

14. What steps should be taken if the card is misplaced or stolen?

If you lose your card or it gets stolen, follow these steps right away:

Block your card using the Customer Portal. Alternatively, you can contact your corporate admin for help or call our customer support immediately at 080-61776177 for assistance.

15. How to close the card?

Utilize the card balance and contact customer support 080-61776177 or email at help.hdfcbank@happay.com for card closure.

16. How can I change my demographic details?

Login to portal: https://hdfcbank.poweredby.happay.in using your credentials

Click on your initials (at the top right corner) > click on my profile > select the edit option against your email id or mobile number > enter new email id or mobile number > enter login password and proceed > Enter OTP received on your registered mobile number or email ID > Success notification will be displayed post instant update of email id or mobile number

17. Why is e-commerce and contactless service features are disabled on my card? And How do I enable e-commerce and contactless services on my card?

As per regulatory guidelines, by-default e-commerce and contactless transactions are disabled on cards for higher security.

E-commerce and Contactless feature can be enabled by customer manually by following below steps:

a) Login to: https://hdfcbank.poweredby.happay.in
b) Go to "My Card" tab
c) Select Your Card >> Manage Card
d) Switch On ECOM and Contactless

18. How to set PIN for the card?

Below are the steps to set PIN:

a) Login to: https://hdfcbank.poweredby.happay.in
b) Go to "Cards & Wallets" tab >> Set PIN

19. How to login to the portal?

Below are the steps to login to the portal:

a) Login to: https://hdfcbank.poweredby.happay.in
b) Input your email ID or Mobile Number
c) Click 'Sign in with OTP' and select 'I'm not a robot'
d) Enter the OTP received on your registered mobile number

20. What are the features available on the portal for the corporate and cardholder?

Features for Corporates:

1) Bulk User Addition and KYC Management
2) Card Control for users
3) Digital funds distribution
4) Passbook - Fund addition and distribution records
5) Card Inventory – Order and Manage card inventory

Features for Cardholders:

1) Digital KYC process
2) Block/unblock card, set PIN and set limits on number of transactions and value of transactions
3) View expenses in real time
4) Transfer funds from wallet to bank account
5) View card details virtually in the mobile application

Forex Cards

Multicurrency Platinum ForexPlus Chip Card

FAQs

1. Why is E-commerce and Contactless service feature disabled on my Prepaid Card?

Also, all new cards or replaced cards issued on or after 1st February 2021, the E-commerce and Contactless service has been disabled.

Note – Contactless / Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.

2. How do I enable E-commerce and Contactless service on my Prepaid Card?

You can easily enable E-commerce and Contactless service on your card by logging in to HDFC Bank Prepaid Card Netbanking by just following below mentioned 4 simple steps.

• Login with your User ID and Password

• Go to “Account Summary” tab and click on “Manage My Profile” option

• Click on “Manage My Limits” tab and then select your “Card”

• Enable the service & set transaction/daily limit*

Also you can place the request at the nearest HDFC Bank branch to enable E-commerce and Contactless service on your card.

*Note - For Prepaid Forex Card, you can set ATM Cash Withdrawal transaction daily limit upto USD 5,000/- (equivalent in other currencies

Contactless / Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.

What if I Forget my Activation Code?

Visit HDFC bank Prepaid NetBanking option and select Forgot Activation Code and provide your card number, Date of Birth and passport number. The code will be sent to your registered email ID. Click here to see the demo.

How can I cancel my Multicurrency Platinum ForexPlus Card?

To cancel your Multicurrency card, we request you visit our your nearest HDFC Bank branch and place a request towards cancellation the of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. Incase you do not have an account with us then a demand draft shall be issued for the respective refund amount. There are no charges towards the cancellation of a Multicurrency card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you.
Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers:

Do I need to have HDFC Bank account to purchase the Multicurrency Platinum ForexPlus Chip card?

No, you don't need to have an account with HDFC Bank to purchase the Multicurrency card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.

What documents should I submit when I purchase the HDFC Bank Multicurrency Platinum ForexPlus Chip card?

HDFC Bank Savings / Current account holders need to just submit completed application form and copy of valid Passport (or any other documentation as mandated under prevalent LRS guidelines) If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copy of valid Passport and copy of Ticket or Visa (or any other documentation as mandated under prevalent LRS guidelines) .

What is the maximum value for which the Card can be used?

There is no limit imposed on the usage of Platinum Multicurrency card. Customer's can withdraw/utilise any amount, upto the value loaded on Platinum Multicurrency card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.

Is Multicurrency Platinum ForexPlus Chip card enabled for Verified by VISA (VBV)?

Ypes, Multicurrency card offered on VISA platform are pre-enabled for Verified by VISA that allows you to securely perform Ecommerce transactions.
Following are the steps to perform Ecommerce transaction with VBV participating merchants:

Select the goods or services you want from a online store and proceed to the payment page.
Enter your HDFC Bank Multicurrency Platinum ForexPlus Chip card Visa number and the online store will connect with HDFC Bank to check whether your Card is secured with Verified by Visa.
Enter your IPIN (used for login to Prepaid NetBanking) and HDFC Bank will then confirm your identity to the merchant.
Your payment is authorized and your order is placed.

What happens if my card is lost?

In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs. on all days.
In case if you have been issued a back-up card in the kit, you can activate the back-up card by calling HDFC Bank Phone Banking or through Prepaid NetBanking. Once the back-up card is activated, all the funds from primary card will be transferred automatically to the back up card.

Can the value of the card be topped up?

Yes, your Multicurrency card can be reloaded multiple times in future till the card gets expired.

Existing bank customers can reload their Multicurrency card through HDFC Bank NetBanking by selecting Reload Forex Card under the option of Cards tab.
Alternatively existing customers can also place in a request to reload the card through HDFC Bank PhoneBanking service.
Incase the Card is issued by your corporate/employer, reload requests received through them will be acted upon by HDFC Bank.

Can I use the card to pay in any currency?

Yes, the card is accepted for payment in any currency apart from those loaded on the card. Please note that cross currency conversion charges will be applicable while processing such transactions.

Do I need to activate Multicurrency Platinum ForexPlus Chip card for Ecommerce transactions?

You Multicurrency card is pre-activated to perform Ecommerce transactions once your card is loaded with the Forex currency required.

Can I issue cheques to load the Multicurrency Platinum ForexPlus Chip card?

Customer can load Multicurrency card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated.

Are there extra charges to be aware of?

A few things to note - US Banks are given the right to add a surcharge to other bank customers accessing their ATMs. There are also certain ATMs in other countries that may levy a charge for transactions made by non-bank customers. These fees are normally displayed during the transaction. Check for this, so that you can either proceed with or end the transaction.

I'm not a traveller, can I still benefit from the Multicurrency Card?

The Multicurrency Platinum ForexPlus Chip Card is only for travellers, and cannot be issued to non-travellers

What if the customer is passing by a terminal and a Contactless transaction takes place?

The Contactless technology works when the card is waved at a maximum range of 4 cms. Hence, even if the customer is at a small distance from the terminal, no accidental transaction can take place, Plus the cashier must first enter the amount on the PoS machine before the card is tapped/ waved and the payment is processed

What if the customer waves the card twice at the terminal? Will he/she be charged twice?

No. Even the card is tapped/ waved more than once at the terminal, the customer will only get billed once for the purchase

How will the customer know if the transaction is successful?

The customer will receive a charge slip from the merchant, and also receive an Emailer/ SMS on his/ her registered contact details once the transaction is successful

Is there any difference in the process for ATM and Internet transaction for this Contactless Card?

There is no difference in the transaction process for ATM & Internet transactions. For ATM transactions you need to enter the PIN and for Internet transaction you need to enter your 3D secure PIN or OTP

Who should I contact for my replacement card? Is there a charge for replacement?

Please visit nearest HDFC Bank Branch to get a replacement card. The charges towards reissuance of ForexPlus card are given in schedule of charges. Please contact HDFC Bank PhoneBanking number for more information.

What services can I avail on GCAS?

You can avail following services through GCAS

Emergency Card Replacement
Emergency Cash Disbursement
Cardholder Inquiry Service
Lost and Stolen Card Reporting

Note: Visa Charges are applicable

What if I forget my ATM PIN?

Customer can reset ATM PIN by following the below steps:

Login to Prepaid NetBanking using IPIN
Select My Request ->Set ATM PIN -> Selects the Active Card (Radio Button)
Answer the secret question.
Mention DOB, Card Expiry and submit
Enter the new ATM PIN to be set and finally submit.
You will then get an SMS / email alert on your registered mobile number / email address

Which are the currencies that can be loaded on the card?

There are 23 currencies offered which can be loaded on the card:

Australian Dollar (AUD)
Dirhams (AED)
Canadian Dollar (CAD)
Euro (EUR)
Japanese Yen (JPY)
Singapore Dollars (SGD)
Sterling Pound (GBP)
Swiss Franc (CHF)
US Dollar (USD)
Swedish Krona (SEK)
HongKong Dollar (HKD)
Thailand Baht (THB)
South African Rand (ZAR)
Oman Riyal (OMR)
New Zealand Dollar (NZD)
Danish Krone (DKK)
Norwegian Krone (NOK)
Saudi Riyal (SAR)
Malaysian Ringgit (MYR)
Korean Won (KRW)
Kuwait Dinar (KWD)
Bahrain Dinar (BHD)
Qatari Riyal (QAR)

How much is the currency conversion service tax applicable at the time of Load, Reload and Refund?

Following are the currency conversion service tax slabs applicable at the time of Load, Reload and Refund:

Buy and Sell Forex Currency	Service Tax Amount
Up to Rs. 1 lakh	0.14% of the gross value or Rs. 35/- whichever is higher
From Rs. 1 lakh to Rs 10 Lakhs	Rs. 140 plus 0.07% of the amount exceeding Rs. 1 lakh
From Rs. 10 lakhs and above	Rs. 770 plus 0.014% of the amount exceeding Rs. 10 Lakhs, subject to a maximum of Rs. 7000

How to set Prepaid NetBanking Login User ID / Password for the first time?

Following steps should be followed for setting NetBanking User ID / Password for the first time using Activation Code / IPIN:
Visit HDFC Bank website and select Prepaid NetBanking
Enter the Card Number in User ID/Card Number field and the Activation Code / IPIN (mentioned in the PIN mailer) in the Password field.
Input User ID of your choice for future login purpose
Select the secret question from a dropdown menu and provide the answer
Mention the new Password and reconfirm the same
With the new User Id and Password you can then login to access your card account

Where can the Contactless MultiCurrency ForexPlus Card be used?

Anywhere that the Contactless payment PoS machine is available, the card can be used to tap/ wave and pay. If the machine is not available the Contactless Card can be still be used for swipe or dip transactions.

How close does the ‘tap, wave have to be to the reader?

Customer need to touch the reader with the card or bring it close to the terminal screens (within 4 cms)

What are the authorization scenarios?

When the card holder performs a payment transaction, the debit would take place on the priority as per the grid provided below
Scenario 1 - If the customer has local currency (depending on country of transaction) wallet with sufficient balance then the transaction will be processed using the balances on the local currency wallet
Scenario 2 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet, however if the customer has sufficient balance (equivalent to local currency) on default currency wallet (EUR) then the transaction will be processed using the balances on the default currency wallet. Value from the default currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rate
Scenario 3 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet as well as default currency wallet (EUR) however if the customer has sufficient balance (equivalent to local currency) on any other currency wallet then the transaction will be processed using the balances from the respective currency wallet. The card will look for balances across all the currency wallets in following order of priority as decided by the Bank
1. EUR
2. GBP
3. AUD
4. CAD
5. SGD
6. AED
7. JPY
8. CHF
9. SEK
10. HKD
11. THB
12. ZAR
13. NZD
14. OMR
15. DKK
16. NOK
17. SAR
18. MYR
19. KRW
20. BHD
21. QAR
22. KWD
23. USD
Value from the respective currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rate
Scenario 4 - If the customer transacts in currency which is not offered on the card, the transaction will be processed by debiting default currency (EUR) wallet. Cross currency conversion would take place as per existing Visa / MasterCard rates (3%) applicable for single currency cards. In case the default currency wallet does not have sufficient balance then funds would be pulled from wallet with sufficient funds and converted to the default currency using Bank’s currency conversion rate. Partial transactions in different currency wallets are not allowed. If the customer does not have sufficient balance to process the transactions individually in any of the currency wallets, the transaction is declined even if the collective balances on the card across all currencies is sufficient to process the transaction

How can I check the balance on my HDFC Bank Multicurrency ForexPlus Chip card?

You can check the balance on all the active currency wallets on Multicurrency card with the help of Prepaid NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your Multicurrency card.

Are there any transactions for which this Card should not be used?

Yes, your Multicurrency ForexPlus Platinum card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using ForexPlus Platinum Multicurrency card and the hotel/car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 30 days from the transaction date.

Note: The Bank reserves the right to charge the Card holder for any unauthorized amounts.

Do I need to pay additional amount over and above Cash withdrawal Charges levied by the HDFC Bank for ATM transaction?

In certain countries ATM Service providers are authorized to charge surcharge/convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the HDFC Bank, and HDFC Bank bank has no control over the charges as these charges are not levied by the bank.
These charges are normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort if the charges are not acceptable to the customer.

What does DCC/ MCC stand for?

DCC stands for Dynamic Currency Conversion whereas MCC stands for Multiple Currency Conversoin. DCC / MCC at ATM / POS gives the cardholder an option to initiate a transaction in the currency of his choice. It also assists the cardholder to know the exact transaction value in the currency selected at the time of transaction.

How to use Contactless Mutlicurrency ForexPlus Card?

Look for Visa payWave/ MasterCard PayPass mark and contactless logo at the Point of Sale terminal machine at merchant outlet
Check the transaction amount displayed on the machine screen and tap/ wave your Contactless MultiCurrency Card from a 4 cm range
Enter your 4-digit ATM PIN on the machine, if prompted
A green light will signal indicating that the transaction is complete

What is the HDFC Bank Contactless MulticurrencyForexPlus card?

HDFC Bank Contactless Multicurrency ForexPluscard is an embedded chip based prepaid forex card introduced in partnership with VISA/MasterCard International. It is the first card to offer you the option of carrying upto 23 currencies simultaneously in a single card in a convenient and secure way. This card gives you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all VISA/MasterCard affiliated ATMs and merchant establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.

How many days in advance can I purchase foreign exchange ?

You can purchase foreign exchange up to 60 days in advance from the date of departure.

How do I know if an ATM will accept my Multicurrency Card?

Look out for the VISA logo.

Where do I get this card?

Contactless Multicurrency ForexPlus cardis available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with the Multicurrency card. The card will get activated within 5 to 6 hours from realization of funds. Alternatively existing bank customers can apply for the card by logging in to HDFC Bank NetBanking by selecting Purchase Forex Card option under Cards tab.

Can I use the DCC/ MCC option at the time of transaction?

Whenever Platinum Multicurrency cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ForexPlus cardholder to opt for DCC/MCC while using ForexPlus Platinum card for making payments.
Please note that every cross currency transaction attracts currency conversion charges at applicable rates. Apart from this, the cardholder will also get penalised due to fluctuation in currency conversion rate.

How can I avail of Global Customer Assistance Services (GCAS) for my Multicurrency Card?

You can call the VISA call centre numbers to avail VISA’s Global Customer Assistance Services. You can find a countrywise list of GCAS numbers at http://www.visa-asia.com/ap/Subscription/gcas.jsp

What are the exchange rates applicable when I use my Travel Card for transactions (Cash withdrawal at ATMs and point of sale transactions at Merchant Outlets)?

If the transaction is done in base currency (currency with which the card was loaded), there is no exchange rate applicable. However, for transactions other than the base currency, exchange rates / conversion rates from the base currency to the local currency would be applicable.

How does Contactless MultiCurrency ForexPlus card work?

Your HDFC Bank Contactless Multicurrency ForexPlus card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.)
HDFC Bank Contactless MultiCurrency ForexPlus Card has a chip & a radio frequency antenna embedded. When the Contactless Card is tapped/ waved against the terminal enabled for contactless payments the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the secure Visa/ MasterCard acceptance network in the usual way
HDFC Bank Contactless Multicurrency ForexPlus card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Multicurrency card. HDFC Bank Contactless Multicurrency ForexPlus card is accepted at all Merchant Establishments displaying the VISA/MasterCard symbol.
The card can be used to withdraw cash at all VISA/MasterCard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of Prepaid NetBanking facility for Multicurrency Cards.

Can I load multiple currencies on one Multicurrency Platinum ForexPlus Chip card?

Yes, you can carry more than one currency on your Multicurrency card. Only HDFC Bank Multicurrency Platinum ForexPlus Chip card gives you the power of carrying multiple currencies on just one card. So now forget to apply for a new card every time you visit a different country.

What should I do if my Multicurrency Platinum ForexPlus Chip card has expired but there is an unutilised balance on the card?

If your Card has expired before all funds have been utilised, you can contact HDFC Bank PhoneBanking or any of our HDFC Bank branch for placing a refund request of the un-utilised balance. In case you wish you get a replacement card, you can place a request at any of our HDFC Bank branch

What if the balance in the currency of transaction goes down?

The card has inbuilt intelligence to process the transaction if any of the currency wallets has sufficient fund to authorize the transaction. If the currency wallet corresponding to the transaction currency does not have sufficient balance, the payment is processed by debiting the currency wallet with sufficient balance. By default the card first checks the Euro wallet and subsequently other currencies. Please note that if none of currency wallets have sufficient balance then the transaction will be declined even if collectively across the wallets the card has sufficient balance. Please note that cross currency conversion charges will be applicable in cases where the transaction is processed by utilizing funds from different currency wallet.

How does this card work?

Your HDFC Bank Multicurrency Platinum ForexPlus Chip card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.) HDFC Bank Multicurrency Platinum ForexPlus Chip card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Multicurrency card. HDFC Bank Multicurrency Platinum ForexPlus Chip card is accepted at all Merchant Establishments displaying the VISA/MasterCard symbol.
The card can be used to withdraw cash at all VISA/MasterCard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of Prepaid NetBanking facility for Multicurrency Cards.

What are the charges towards availing GCAS services?

Following are the charges for availing GCAS facility offered by Visa:
Cardholder Inquiry Service: US $ 5 per inquiry
Lost/Stolen Card reporting: US $ 35 per card
Emergency Card Replacement: US $ 175
Emergency Cash Disbursement: US $ 175

What should I do and whom to contact if my card is lost?

In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com

HDFC Forex Card Insurance Cover and Policy terms and conditions

Complimentary Card Insurance Coverage -

Category	Single Currency Forex Cards	Multicurrency & Regalia Forex Cards
	Sum Insured / Limit of Liability (value in INR)
Section I Card Liability (Skimming/Counterfeiting/Lost Card)	500,000	500,000
Section II A Accidental Death (Road / Rail)	200,000	500,000
Section II A Accidental Death (Air)	500,000	2,500,000
Section VI C Loss of Personal Documents (only Passport)	50,000	50,000
Section VII Loss of Cash in Transit	60,000	60,000
Section VI A Loss of Checked Baggage (only at Airports) Single Any One Item Limit: 50%	20,000	20,000

Card Insurance Special Conditions and Terms and Conditions -

1. The cover is applicable for primary cards as well as add-on cards.

2. Territory of Insurance: Worldwide, however, all the coverages under the policy are applicable on International Travel only. All travel related and personal accident covers will cease once the cardholder is back to the country of residence.

3. Pre and post reporting clause is applicable for Section I (Card Liability Cover) and the extensions applicable to Section I.

4. Card liability cover would be applicable only when there is any loss outside the territorial limits of India.

5. Travel Insurance:

Travel Insurance provided under the policy shall not be valid for procuring a visa.
Loss of Personal Documents would include loss of passport only. Claims for any other item would not be payable under the section.
Travel Insurance Sections would be applicable for the card when the Insured is travelling abroad outside the territorial limits of India.

6. Terrorism is excluded under the policy.

7. Cash in Transit:- In the event of loss of Money belonging to the Insured person(s) by way of hold-up, robbery, theft, burglary or any other fortuitous cause while the money is in transit from any ATM/Bank to the destination, provided the destination is within the city limits and the transit is completed within the 3 hours, the Company hereby agrees subject to the terms, condition and exclusions herein contained, endorsed or otherwise expressed hereon, to pay the Insured the amount(s) of loss in the circumstances or situations as set out in the Schedule, provided always that the limit of the Company's liability for Any One Loss shall in no case exceed the amount specified against the respective Item in the said Schedule and the Company’s liability under more than one such occurrence during the Period of Insurance as set out in the Schedule shall not in the aggregate, exceed the Sum Insured. Warranted that money carried in public transport is excluded from the scope of coverage except when carried in a hired taxi.

8. In the event the insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefit (highest sum insured).

9. Claim Submission to HDFC ERGO Corporate office to be within a period of 180 days from date of blocking.

10. Policyholder to provide Intimation of Claim within 60 days from date of loss / blocking by the insured.

11. Quarterly Declarations shall be required updating the number of cards per category and specifying the BIN Series with the first and last four digits of the cards.

12. For skimming / phishing / counterfeit card / internet banking extensions - reporting to Bank within 60 days from the statement/billing cycle date. However, this above reporting period will not be applicable where we can establish with documentary evidence that the information of misuse was known to the insured cardholder and he has not taken appropriate steps to prudently block or report the card mis-usage within 24 hours of such knowledge. This intimation will apply for the cardholder only and not the Policyholder (Bank).

13. Further, the policy shall covers losses due to skimming / phishing / counterfeit / internet banking frauds extensions subject to a maximum period of 30 days from date of first fraud.

14. Vishing:- The policy will cover vishing loses only where the card holder shares the card information namely - Card number, Expiry date, CVV over telephone to the imposter (acting as a reliable source). However, any losses arising due to use of information which are unique in nature and known only to the card holder like PIN, Password, OTP password are not covered in case of Vishing losses. The total annual sub-limit for such losses is Rs 10,00,000/-

15. Onus of proof that, the claim does not fall within the policy terms and conditions will be with the Insurance company.

16. Fraudulent transactions done by person known to the cardholder are specifically excluded.

17. Person known to the cardholder means an Insured Person’s Spouse; children; children-in-law; siblings; siblings-in-law; parents; parents-in-law; grandparents; grandchildren; legal guardian, ward; step or adopted children; step-parents; aunts, uncles; nieces, and nephews, maids, servants, person who have access to card and pin.

18. Bodily injury sustained whilst or as a result of participating in any sport as a professional player is excluded in the policy.

Card Insurance Inclusion/Exclusion and Terms and Conditions -

SECTION I - CARD LIABILITY COVER

The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the Insured/Insured Person(s) a sum not exceeding the Sum Insured / Limit of Liability, unless otherwise agreed by the Company, in respect of the debits or transactions established against the Insured/ Insured Person(s) resulting only from the unauthorized use of any lost or stolen Card issued by the Insured named in the Schedule and the subsequent use of such lost or stolen Card by any unauthorized person. The excess/deductible as stated in the Policy schedule shall apply to the limit of liability.

Specific Conditions applicable to Section I

1) The cover under Card Liability Cover shall be applicable only for certain number of days prior to reporting the loss of Card (pre-reporting period) and certain number of days post reporting of loss of card as mentioned in the schedule.

Specific Exclusions applicable to Section I

The company will not make any payment in respect of:

1) Any loss or damage arising out of any Card transactions which have occurred after the loss of Card has been reported to the Insured named in the Schedule and not covered under the scope of the special conditions under section I above, unless specifically agreed by the Company in writing.

2) Debits established against the Insured Person(s) resulting from the use of counterfeit Card (which shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank). Counterfeit Card shall mean a Card which has been embossed or printed so as to pass off as a Card issued by the Bank named in the Schedule or a Card duly issued by the Insured named in the Schedule which is subsequently altered or modified or tampered with without consent of the Insured named in the Schedule.

3) Losses sustained by the Insured Person(s) resulting directly or indirectly from any fraudulent or dishonest acts committed by Insured Person(s)’s employee, acting alone or in collusion with others in respect of the Card.

4) Losses sustained by the Insured Person(s) through forgery or alteration of or on or in any written instrument required in conjunction with any Card.

5) Losses resulting from any Card issued without making a proper application to the Insured named in the Schedule. However, this exception will not apply in respect of replacement of a Card which has been previously issued by the Insured named in the Schedule.

6) Losses arising out of use of the Card by the Insured Person(s) with intent to defraud the Insured named in the Schedule.

7) Losses, which the Insured named in the Schedule is legally entitled to recover from the Insured Person(s), or the corporate or other legal entity agreeing to honour Card expenses incurred by the Insured Person(s).

8) In case of cancellation of purchases of products or services, if the amount refunded is not credited to the Original Source of Booking then the insurance company will not make payment for any claim arising as a consequence of this to the Insured / Insured Person(s).

Specific Claims Provisions applicable to Section I

1) Upon the happening of any event which may give rise to a claim under this policy, the Insured / Insured Person(s) named in the Schedule, shall immediately give written notice to the Company with full particulars as far as possible.

2) If the Insured / Insured Person(s) shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this policy shall become void and all claims hereunder shall be forfeited.

3) The Insured named in the Schedule shall maintain proper and up-to-date record of the Insured Person(s) and shall allow the Company to inspect such records at any time, subject to the confidentiality obligations of the Insured. Also, at all points of time during the currency of the Policy, the Insured named in the Schedule is to ensure that adequate premium is paid to the Company to ensure that this Policy applies to cover all the Cardholders of the Insured. If, at any point of time, the required premium is not paid to the Company to cover the Cardholders of the Insured, the Cardholders in respect of whom the premium is not received by the Company from the Insured Person(s) shall be treated as not covered under this Policy.

4) The Insured / Insured Person(s) shall at his own expenses take all reasonable precautions to prevent loss at all times and adhere and shall keep records of all transactions in such manner that the Company can accurately determine on basis of these records, the amount of loss.

5) This policy shall not cover any loss or damage which at the time of happening of such loss or damage is insured by any other existing policy of Insurance, except in respect of excess beyond the amount which would have been payable under such other policy or policies had this insurance not been effected.

6) Losses arising out of debits raised and established against the Insured Person(s) after receipt of List of Stolen Cards by the Member establishments of the Insured, with whom the Insured has an Acquiring Bank relationship, are not payable.

7) On payment of a claim by the Company, the total amount of indemnities and the indemnity amount per Cardholder will stand reduced by the amount of claim paid, unless the same is reinstated on payment of additional premium by the Insured.

SECTION II - PERSONAL ACCIDENT COVER

Specific Definitions applicable to Section II

1) “Accident” is a sudden, unforeseen and involuntary event caused by external and visible means...

2) “Bodily Injury” means physical, external, Accidental bodily injury occurring suddenly in time and resulting solely and independently of any other cause or any physical defect or infirmity existing before the Period of Insurance.

3) “Permanent Total Disablement” means disablement, as the result of a bodily injury, which continues for a period of twelve (12) consecutive months, and is confirmed as total, continuous and permanent by a Physician after the twelve (12) consecutive months, and entirely prevents an Insured Person from engaging in or giving attention to gainful occupation of any and every kind for the remainder of his/her life.

II A). ACCIDENTAL DEATH

If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in Death within twelve (12) months of the Date of Loss, then the Company agrees to pay to the Insured Person’s Beneficiary or legal representative the Compensation stated in the Schedule.

Specific Extensions applicable to Section II A

1) Disappearance: In the event of the disappearance of the Insured Person, following a forced landing, stranding, sinking or wrecking of a conveyance in which such Insured Person was known to have been travelling as an occupant, it shall be deemed after twelve (12) months, subject to all other terms and conditions of this Policy, that such Insured Person shall have died as the result of an Accident. If at any time, after the payment of the Accidental death benefit, it is discovered that the Insured Person is still alive; all payments shall be reimbursed in full to the Company. 2) Exposure: Death as a direct result of exposure to the elements shall be deemed to be Bodily Injury.

Specific Conditions applicable to Section II A

1) If applicable and if payment has been made under the Permanent Disablement Section, any amounts paid under that Section would be deducted from payment of a claim under this Section of the Policy.

Specific Exclusions applicable to Section II

The Company shall not be liable to pay any benefit in respect of any Insured Person(s):-

1. for Bodily Injury or Sickness occasioned by Civil War or Foreign War. 2. for Bodily Injury or Sickness caused or provoked intentionally by the Insured Person. 3. for Bodily Injury or Sickness due to wilful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat, or arising out of nonadherence to medical advice. 4. for Bodily Injury or Sickness sustained or suffered whilst the Insured Person is or as a result of the Insured Person being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician. 5. for Bodily Injury due to a gradually operating cause. 6. for Bodily Injury sustained whilst or as a result of participating in any criminal act. 7. for Bodily Injury sustained whilst or as a result of participating in any sport as a professional player. 8. for Bodily Injury sustained whilst or as a result of participating in any competition involving the utilisation of a motorised land, water or air vehicle. 9. for Bodily Injury sustained whilst or as a result of riding or driving a motorcycle or motor scooter over one hundred fifty (150) cc. 10. for Bodily Injury whilst the Insured Person is travelling by air other than as a fare paying passenger on an aircraft registered to an airline company for the transport of paying passengers on regular and published scheduled routes. 11. for Bodily Injury or Sickness resulting from pregnancy within twenty-six (26) weeks of the expected date of birth. 12. for Bodily Injury or Sickness caused by or arising from the conditions commonly known as Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or caused. The onus shall always be upon the Insured Person to show that Bodily Injury or Sickness was not caused by or did not arise through AIDS or HIV. 13. for Bodily Injury or Sickness caused by or arising from or due to venereal or venereal related disease. 14. for Bodily Injury sustained whilst or as a result of active participation in any violent labour disturbance, riot or civil commotion or public disorder. 15. for Bodily Injury sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, notwithstanding that the Bodily Injury occurred whilst the Insured Person was on leave or not in uniform. 16. for treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity. 17. any pathological fracture. 18. for cures of any kind and all stays in long term care institutions (retirement homes, convalescence centres, centres of detoxification etc.). 19. for investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency. 20. for Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hangliding, parasailing, off-piste skiing or bungee jumping. 21. for Bodily Injury caused by or arising from or as a result of Terrorism.

SECTION VI – TRAVEL INSURANCE

SECTION VI (A) - CHECKED BAGGAGE LOSS

If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects that have been checked in on the same Common Carrier as a travelling Insured Person, are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.

Specific Definitions applicable to Section VI (A)

1) Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.

Specific Conditions applicable to Section VI (A)

1) All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim. 2) If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy. 3) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.

Specific Exclusions applicable to Section VI (A)

The Company shall not be liable to pay any benefit in respect of any Insured Person for: 1) loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons. 2) mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle. 3) destruction or damage due to wear and tear, moth or vermin. 4) baggage, clothing and personal effects despatched as unaccompanied baggage. 5) theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means. 6) loss or damage to sports equipment whilst in use, contact lenses, samples, tools. 7) for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority. 8) for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. 9) for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring. 10) for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause. 11) a claim involving animals. 12) loss, including but not limited to loss by theft, or damage to vehicles or other accessories. 13) for any loss that is not reported either to the appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained. 14) baggage and/or personal effects sent under an airway-bill or bill of lading. 15) computer equipment, cameras, musical instruments, radios and portable radio/cassette/compact disc players. 16) contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.

Specific Claims Provisions applicable to Section VI (A)

In the event of a claim the Insured Person must: 1) give immediate written notice: a) to the relevant Common Carrier in the event of loss or damage in transit; b) to the relevant police authority in the event of loss or theft; 2) submit a copy of the relevant Common Carrier or police report when a claim is made; 3) obtain a Common Carrier or police report where the loss occurred; 4) in the event of loss by a carrier, retain original tickets and baggage slips and submit them when a claim is made; 5) submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and 6) for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made.

For purposes of any claim hereunder: 1) a pair of skis, ski boots and accessories shall be regarded as one item; 2) bottles of perfume, aftershave, and make up shall together be regarded as one item; 3) the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.

SECTION VI (C) - LOSS OF BAGGAGE AND PERSONAL DOCUMENTS

If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects owned by or in the custody of an Insured Person are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.

Specific Definitions applicable to Section VI (C)

Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.

Specific Conditions to applicable Section VI (C)

Any valid claim involving a motor vehicle, and at all time subject to Specific Exclusion (5), will be limited to a maximum of fifty percent (50%) of the Sum Insured stated in the Schedule. All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim. If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy. If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.

Specific Exclusions applicable to Section VI (C)

The Company shall not be liable to pay any benefit in respect of any Insured Person for: loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons. mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle. destruction or damage due to wear and tear, moth or vermin. baggage, clothing and personal effects despatched as unaccompanied baggage. theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means. loss or damage to sports equipment whilst in use, contact lenses, samples, tools. for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority. for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring. for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause. a claim involving animals. loss, including but not limited to loss by theft, or damage to vehicles or other accessories. for any loss that is not reported either to the appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained. baggage and/or personal effects sent under an airway-bill or bill of lading. computer equipment, cameras, musical instruments, radios and portable radio/cassette/compact disc players. contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.

Specific Claims Provisions applicable to Section VI (C)

In the event of a claim the Insured Person must: give immediate written notice: to the relevant Common Carrier in the event of loss or damage in transit; to the relevant police authority in the event of loss or theft; submit a copy of the relevant Common Carrier or police report when a claim is made; obtain a Common Carrier or police report where the loss occurred; in the event of loss by a Common Carrier, retain original tickets and baggage slips and submit them when a claim is made; submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made. For purposes of any claim hereunder: a pair of skis, ski boots and accessories shall be regarded as one item; bottles of perfume, aftershave, and make up shall together be regarded as one item; the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.

SECTION VII - CASH IN TRANSIT

In the event of loss of Money belonging to the business or profession of the Insured due to accident or misfortune happening during the currency of the Policy, the Company hereby agrees subject to the terms, condition and exclusions herein contained, endorsed or otherwise expressed hereon, to pay the Insured the amount(s) of loss in the circumstances or situations as set out in the Schedule, provided always that the limit of the Company's liability for Any One Loss shall in no case exceed the amount specified against the respective Item in the said Schedule and the Company’s liability under more than one such occurrence during the Period of Insurance as set out in the Schedule shall not in the aggregate, exceed the Sum Insured.

The Company will pay for cost of replacement or repair of the Insured’s safe or strongroom or cash box at the Insured’s premises in the event of it being damaged by thieves or burglars subject to Limit of Any One Loss and Sum Insured as aforesaid.

Specific Exclusions applicable to Section VII

The Company shall not be liable to make any payment under this section in connection with or in respect of any expenses whatsoever incurred by any insured in the following cases:

1) Loss occasioned by Riot, Strike; 2) Money carried under contract of affreightment; 3) Theft of money from unattended vehicle; 4) Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased. 5) Shortage of any money due to any error or omission of the Insured or any other person; 6) Loss of or Damage to money in transit by post 7) Loss or damage attributable to wilful /gross negligence on part of the Insured Person (s) or any other person acting on behalf of the Insured Person(s).

Specific Claim Provision applicable to Section VII

Upon the happening of any event giving rise or likely to give rise to a claim under this policy coming to knowledge of the Insured:

The Insured shall give immediate notice to the Police and to the policy issuing office of the Company and take all practical steps to discover the guilty person or person and to recover the Cash lost. The Insured shall deliver to the Company, within fourteen days from the date on which the event shall have come to his knowledge, a detailed statement in writing of the loss.

The Insured shall furnish all explanations, vouchers, proof of ownership and other evidence to substantiate the claim and the Company may, if it deems necessary require corroborative evidence of the statement of the Insured or any of Insured family members of employee/s.

The Insured Person(s) shall be required to furnish the following for or in support of a claim: (a) Claim form, duly completed; (b) A copy of First Information Report/ Complaint lodged with concerned Police Station or Panchnama in respect of any loss on account of or during riot and strike, or on account of or due to theft.

Frequent Asked Questions –

Q.1. Why is the cardholder required to fill a cardholder dispute form (CDF) to report transaction dispute ?

A.1. Cardholder is required to submit duly filled and signed dispute form at the respective HDFC Bank branch (along with the documents) stating the exact the details of the disputed transaction which will enable / authorize the bank to investigate with the respective Merchant / Member Bank.

Cardholder can also email us the scanned CDF copy along with the documents (as mentioned in CDF or as below) to support@hdfcbank.com.

Q.2. What is the time frame to report fraudulent/unauthorised transactions occurred on Forex Card ?

A.2. Any fraudulent/unauthorised transaction dispute needs to be reported to the bank in writing within 30 days from the transaction date. The insurance settlement is subject to merits of claims which may require further investigation by insurer. While the turn around time for claim settlement is 30 days from the date of submission of documents, in case of specific circumstances or investigation the settlement can get delayed up to 120 days. The credit to cardholder will be provided only post successful settlement from the insurance company.

Please note that any case reported after 45 days from the date of transaction and documents submitted after 90 days from the date of transaction will not be processed by the insurance company.

Q.3. Which documents are to be submitted for filing insurance claim ?

A.3. Following are the category wise documents which are required to be submitted.

Buy and Sell Forex Currency	Service Tax Amount
Up to Rs. 1 lakh	0.15% of the gross value or Rs. 37.5/- whichever is higher
From Rs. 1 lakh to Rs 10 Lakhs	Rs. 150 plus 0.075% of the amount exceeding Rs. 1 lakh
From Rs. 10 lakhs and above	Rs. 825 plus 0.015% of the amount exceeding Rs. 10 Lakhs, subject to a maximum of Rs. 7500 (including Swachh Bharat Cess and Krishi Kalyan cess as applicable)

3 Simple Ways to Make Payment with PayZapp

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Register
Link any bank's Debit or Credit Card

how do I make my cc payment through paytm/ How do I make CC payment through payzapp

Credit card bills can be paid using PayTM from the 'Recharge and Bill payments section' by selecting Credit card.
Click on 'Pay Bill' button under the card, where you will be re-directed to the payment page, wherein you will be required to enter the amount.
On the next page, seelct the method of payment and follow the on-screen instructions to complete the transaction.

Currently, credit card bills can't be paid via Payzapp. You may choose to pay the bill directly from your banking platforms like Netbanking, Mobile banking.

Are they any charges for payzapp
No, there is no charges for using PayZapp.
Rather, PayZapp provides you with attractive discounts and cashbacks on your favorite merchant brands & utility payments on their platform. *Terms & Condtions Apply.

Loan Repayment

Taxes

Online Tax Payment

Direct Tax

How can I download the challan for online tax payment?

You can download the Challan for Direct & Indirect Tax from NetBanking for last 90 days.

The steps to be followed are below

Log in to Netbanking --> Accounts menu --> Regenerate Indirect Tax Challans - For Re-Generation of Service and Excise Tax Challans.

On clicking Regeneration of the link all transactions executed for last 90 Days from accounts mapped in the customer ID will be visible. You can select and download the challan. Details displayed on this screen are CIN Number, Major Head Code, Minor Head Code, Date Time & Amount

Is HDFC Bank authorized by the RBI to collect direct taxes?

Yes, HDFC Bank was first private bank that was authorized by the Central Board of Direct Taxes (CBDT) as well as the Reserve Bank of India to collect direct taxes.

In which HDFC Bank branches can I avail his service?

At present we provide this service through 322 branches. Click here to know more.

DVAT and CST

Is it mandatory to pay DVAT online?

As per the circular (No. F.7(400)/Policy/VAT2011/1006-1018) from the Commissioner-VAT, all dealers and contractees (TAN Holders)have to make payment of their tax, interest, penalty or any other amount due under Delhi Value Added Tax Act 2004, compulsorily through an electronic mode of payment.

What kinds of taxes are paid online?

The Delhi Value Added Tax (DVAT) and Central Sales Tax (CST) can be paid online through HDFC Bank.

What needs to be compulsorily filled on the challan?

Your TIN number, complete name, address and period of payment are some of the compulsory fields to be filled in the online challan.

How will I know if my DVAT or CST has been successfully filed or not?

You will receive an acknowledgement as soon as the amount is debited from your HDFC Bank account.

Excise and Service Tax

In which cities does HDFC Bank collect excise duty and service tax online?

You can now pay On-line Excise & Service Tax for all Commissionerates. The payment process remains same, the only change is this facility is now available for all Commissionerates as against the present selected ones.

Is the Excise Duty and Service Tax payment process in line with the RBI directive?

Yes. Our Excise Duty and Service Tax payment process are in line with the RBI directive. Thus, on input of the assessee code, the assessee data will be automatically populated based on the assessee data that is maintained by NSDL.

How do I know if my excise duty/ service tax has been successfully filed?

You will receive a cyber receipt with a unique Challan Identification Number and other relevant details instantly, as soon as the payment is successfully made.

Goods and Service Tax

Is there any ready reckoner to check my readiness on GST?

You can refer the GST Handbook which is specially designed as a ready reckoner on GST.
Click here to download

What should I do to clear my doubts on GST?

We have compiled the FAQs outlining key aspects / action points relevant for your GST preparedness. Click here to download.

Is the pre-registration of credit card necessary in the GSTN portal for the GST payment?

Yes. The taxpayer would be required to pre-register his credit card, from which the tax payment is intended, with the Common Portal maintained on GSTN. GSTN may also attempt to put in a system with banks in getting the credit card verified by taking a confirmation from the credit card service provider. The payments using credit cards can therefore be allowed without any monetary limit to facilitate ease of doing business.

What is a CIN and what is its relevance?

CIN stands for Challan Identification Number. It is a 17 digit number that is 14-digit CPIN plus 3-digit Bank Code. CIN is generated by the authorized banks/ Reserve Bank of India (RBI) when payment is actually received by such authorized banks or RBI and credited in the relevant government account held with them. It is an indication that the payment has been realized and credited to the appropriate government account. CIN is communicated by the authorized bank to taxpayer as well as to GSTN.

What is a CPIN?

CPIN stands for Common Portal Identification Number (CPIN) given at the time of generation of challan. It is a 14 digit unique number to identify the challan. As stated above, the CPIN remains valid for a period of 15 days.

Is there a validity period of challan?

Yes, a challan will be valid for fifteen days after its generation and thereafter it will be purged from the System. However, the taxpayer can generate another challan at his convenience.

Can a challan generated online be modified?

No. After logging into GSTN portal for generation of challan, payment particulars have to be fed in by the tax payer or his authorized person. He can save the challan midway for future updation. However once the challan is finalized and CPIN generated, no further changes can be made to it by the taxpayer.

Can a taxpayer generate challan in multiple sittings?

Yes, a taxpayer can partially fill in the challan form and temporarily “save” the challan for completion at a later stage. A saved challan can be “edited” before finalization. After the tax payer has finalized the challan, he will generate the challan, for use of payment of taxes. The remitter will have option of printing the challan for his record.

How do I know if my GST tax has been successfully filed?

As soon as the payment is successfully made, you can download payment receipt from GST portal under Challan History.

Is it compulsory to fill a challan on GST portal or tax can be paid directly at HDFC Bank branches?

It is compulsory to fill a challan on GST portal. Taxpayer can pay his GST challan online by using HDFC Bank Net Banking, Credit or Debit Card on GST portal. If he wish to pay his GST challan through cash, cheque or demand draft, he can visit any HDFC Bank branch with two printed copies of GST challan.
Please note: As per the guidelines issued by Govt of India, Over The Counter Payments at HDFC Bank branches are accepted uptoRs 10000 per CPIN (challan)

Is the Goods and Service Tax payment process in line with the Govt. of India approval?

Yes. HDFC Bank is authorized to collect GST as per letter ref no PrCCA/CBEC/Bank Auth(65)/2016-17 dated 19th June 2017.

GVAT

Where is the online payment of GVAT facility available?

This facility is now available on the new online payment portal of the Government of Gujarat:from 1st May 2011.

How do I pay my Gujarat Value Added Tax (Gujarat VAT) online?

Kindly click on the below user type for to know about the process in detail:

How to change the password on Cyber Treasury Portal and Commercial Tax portal?

You will get the facility to change your password on both the sites on your login page.

What will be my password for (Cyber Treasury Portal) after signing-up on Commercial Tax portal?

Your user-id and password will be replicated to Cyber Treasury Portal after 24 hours. You will be able to login on Cyber Treasury with same user-id and password.

Do I need to keep a separate User ID and Password for payment of GVAT and Commercial Tax online?

Tax payers/dealers can use the same credentials (User ID and Password) that they use on the Commercial Tax Portal; on the Cyber Treasury Portal after the initial sign-up on

Tax Payers can also keep a separate password on both the sites. However, the password management (Reset, Unlock, Change password) will be separate on both the sites.

What will happen to the password that I use on the Cyber Treasury Portal if I change or reset the password on?

If you change the password only on Commercial Tax portal , the password on Cyber Treasury Portalwill remain the same. The password management is separate for each site. The new password of Commercial Tax portal will not be reflected on Cyber Treasury Portal.

How do I know if my Gujarat Value Added Tax (Gujarat VAT) has been successfully filed or not?

You will receive the Acknowledgment / Challan copy with unique CIN no (Challan Identification Number) and other relevant details instantly, as soon as the payment is successfully made.

You will also receive an auto-generated email (on the email id which was mentioned while making the Online- VAT payment) with the Acknowledgment / Challan copy.

Note: Payments completely authorized / executed before 5 PM will be considered in the same day’s cycle, while payments completely authorized / executed after 5 PM will be debited immediately however processed with the next working date on basis of negotiable instruments act holidays for Gujarat region and Sundays.

Online Tax Payment of Government

Chhattisgarh

Do I need to activate the Third Party Payment facility in NetBanking to avail of the online payment facility?

No, it is not mandatory. You can directly make the tax payment after you have registered with the bank for NetBanking. For more information, contact your nearest branch or call PhoneBanking.

What are the different taxes that I can pay online for Govt. of Chhattisgarh?

  -  Commercial Tax
  -  Transport Department
  -  Mining Resource Department
  -  Excise Department
  -  Energy Department
  -  Water Resource Department

Do I need to register for making payments?

Yes. You need to register yourself on the portal, www.cg.nic.in/eChallan, for making the Government payments.

Can I start making payments after I have registered myself with the concerned Department of the Govt. of Chhattisgarh?

Yes. You can immediately start making online payments using your NetBanking ID and Password

Punjab

Can I start making payments after I have registered myself with the concerned Department of the Govt. of Punjab?

Yes. You can immediately start making online payments using your NetBanking ID and Password.

Do I need to activate the Third Party Payment facility in NetBanking to avail of the online payment facility?

No, it is not mandatory. You can directly make the tax payment after you have registered with the bank for NetBanking. For more information, contact your nearest branch or call PhoneBanking.

What are the different taxes that I can pay online for Govt. of Punjab?

Commercial Tax

Do I need to register for making payments?

Yes. You need to register yourself on the portal, https://www.pextax.com, for making the Government payments.

TamilNadu

How will I know if my TNVAT has been successfully filed or not?

On the successful payment of the e-challan an e-acknowledgement will be generated.

Do I need to activate the Third Party Payment facility in NetBanking to avail of the online payment facility?

No, it is not mandatory. You can directly make the tax payment after you have registered with for NetBanking. For more information, contact your nearest branch or call PhoneBanking or E-NET Relationship Manager.

Do I need to register for making payments?

Yes. You need to register yourself on the portal, https://www.tnvat.gov.in/, for making payments

Telangana

Can I start making payments after I have registered myself with the concerned Department of the Govt. of Telangana?

Yes. You can immediately start making online payments using your NetBanking ID and Password.

Do I need to activate the Third Party Payment facility in NetBanking to avail of the online payment facility?

No, it is not mandatory. You can directly make the tax payment after you have registered with the bank for NetBanking. For more information, contact your nearest branch or call PhoneBanking.

What are the different taxes that I can pay online for Govt. of Telangana?

Commercial Taxes
- VAT
- CST
- AP Professional Tax
- AP Entertainment Tax
- Entry Tax
- Luxury Tax
- Horse Racing & Betting Tax

Do I need to register for making payments?

Yes. You need to register yourself on the portal, https://www.tgct.gov.in/, for making the Government payments

Uttrakhand

Can I start making payments after I have registered myself with the concerned Department of the Govt. of Uttrakhand?

Yes. You can immediately start making online payments using your NetBanking ID and Password.

Do I need to activate the Third Party Payment facility in NetBanking to avail of the online payment facility?

No, it is not mandatory. You can directly make the tax payment after you have registered with the bank for NetBanking. For more information, contact your nearest branch or call PhoneBanking.

What are the different taxes that I can pay online for Govt. of Uttrakhand?

Commercial Tax

Do I need to register for making payments?

Yes. You need to register yourself on the portal, https://comtaxappl.uk.gov.in/, for making the Government payments.

Andhra Pradesh

How will I know if my APVAT or CST has been successfully filed or not?

You will receive a receipt with a unique reference number as soon as the payment is successfully made.

How do I pay Commercial Taxes of Andhra Pradesh online?

The customers can pay online by logging on to the AP Commercial Taxes Site.

Follow the below steps to pay AP Commercial Tax online

Step 1:  https://www.apct.gov.in/
Step 2:  Click on "e-Payment"
Step 3:  Please click 'Select the Tax Type' in the dropdown menu
Step 4:  Fill in the details and submit
Step 5:  After verifying the details, click on 'Make Payment'
Step 6:  Select HDFC Bank from the dropdown menu
Step 7:  Pay either through E-net or Net Banking

Assam

How do I know that my taxes are successfully paid?

You will receive a challan with a unique Reference Number and other relevant details instantly, as soon as the payment is successfully made.

Do I need to activate Third Party Payment Facility in NetBanking to avail of the online payment facility?

No, it is not mandatory. You can directly make the tax payment after you have registered with the bank for NetBanking. For more information, contact your nearest branch or call our phone banking number.

Are there any charges for making these payments?

No. As an HDFC Bank account holder, this facility comes free of cost to you

Karnataka

How do I pay commercial taxes of Karnataka online?

You can pay your taxes online by logging on to the Karnataka Commercial Taxes website.

Kindly, follow the below steps to pay Karnataka Commercial Tax online

Step 1: https://vat.kar.nic.in/epay/
Step 2: Please select the respective Tax type tab
Step 3: Fill in the details and select HDFC Bank from the dropdown menu
Step 4: Pay either through ENet or NetBanking

How will I know if my KVAT or CST has been successfully filed or not?

You will receive a receipt with a unique reference number as soon as the payment is successfully made.

Odisha

Can I start making payments after I have registered myself with the concerned Department of Govt. of Odisha?

Yes. You can immediately start making online payments using your NetBanking ID and Password.

Do I need to activate Third Party Payment Facility in NetBanking to avail of the online payment facility?

No, it is not mandatory. You can directly make tax payment after you have registered with the bank for NetBanking. For more information, contact your nearest branch or call our phone banking number.

Are there any charges for making these payments?

No. As an HDFC Bank account holder, this facility comes free of cost to you.

How do I know that my taxes are successfully paid?

You will receive a cyber receipt with a unique Reference Number and other relevant details instantly, as soon as the payment is successfully made.

What are the different taxes that I can pay online to the Govt. of Odisha?

•Commercial Taxes
-  VAT
-  CST
-  OST
-  Entry Tax
-  Professional Tax
-  Entertainment Tax
•Motor Vehicle Registration Tax
•Mining Royalties
•Stamp Duty
•e-Registration
•RTI Fees

Do I need to register for making payments?

Yes. You need to register yourself with the concerned Department of Government of Odisha for making the government payments.

West Bengal

How do I pay Commercial Taxes of West Bengal online?

The customers can pay online by logging on to the West Bengal Government Finance Department Site.

Follow the below steps to pay West Bengal Commercial Tax online

  Step 1:  https://wbfin.wb.nic.in/GRIPS/
  Step 2:  Click on "e-Payment"
  Step 3:  Please click 'Select the Tax Type' in the dropdown menu
  Step 4:  Fill in the details and submit
  Step 5:  After verifying the details, click on 'Make Payment'
  Step 6:  Select HDFC Bank from the dropdown menu
  Step 7:  Pay either through E-net or Net Banking

How will I know if my WBVAT or CST has been successfully paid or not?

You will receive a receipt with a unique reference number as soon as the payment is successfully made.

Pune Municipal Corporation

How do I know that my taxes are successfully paid?

You will receive a cyber receipt with a unique Reference Number and other relevant details instantly, as soon as the payment is successfully made.

Do I need to activate Third Party Payment Facility in NetBanking to avail of the online payment facility?

No, it is not mandatory. You can directly make tax payment after you have registered with the bank for NetBanking. For more information, contact your nearest branch or call our phone banking number.

Do I need to register for making payments?

You need to register yourself with the Local Body tax Department of Pune Municipal Corporation for making the LBT payments.

Can I start making payments after I have registered myself?

Yes. You can immediately start making online payments using your NetBanking ID and Password

Are there any charges for making these payments?

No. As an HDFC Bank account holder, this facility comes free of cost to you

Education fees

Donations

Stay Secure

Security Measures

IVR 3D Secure

Do I need to enter ‘#’ after keying in my Card number/ Card expiry date/ CVV number?

Please listen to the recorded message and follow the instructions while entering your card details.

What details are required when I want to perform a secure IVR transaction?

To perform a secure IVR transaction, you will need your 16-digit Card number, Card expiry date, CVV number, mobile number and IVR password.

How should I get the IVR Password if I hold an add-on card?

An IVR password can be requested only from the registered mobile number and will be sent to the registered mobile number / email ID of the primary card holder only.

How do I register my Mobile number for IVR Password ?

Please call our Customer Service Centre and ensure that your mobile number is updated in our records.

How can I obtain an IVR Password ?

By Sending SMS request: Send an SMS 'PWD1234' to 9717465555 or to 5676712 from your registered (with Bank) mobile number.
(Note: 1234 are the last 4 digits of your HDFC Bank Credit Card number). You will receive an SMS with the IVR password on the same number.
From HDFC Bank Website: If you have registered your card for NetSafe/ Verified by Visa/ MasterCard SecureCode, you can also login in to your NetSafe/ Verified by Visa/ MasterCard SecureCode account and use the "Generate IVR Password" option available on the left menu. The IVR password will be sent to your registered mobile number and email ID.

These are the most convenient and recommended options. To ensure convenience, make a note of the IVR password and keep it handy while performing the transaction.

Note:

Kindly ensure that your latest mobile number and email ID is updated with us.
Premium SMS charges as per your mobile service provider will apply for an SMS sent to 5676712

Can I use the same IVR Password to perform multiple transactions?

No, each IVR password can be used only for a maximum of 3 attempts (including decline attempts) within the specified validity period. For further transaction attempts, a new IVR password must be generated.

Can I generate multiple IVR Passwords?

No, only one IVR password can be generated at a time. Only when the first one is used / expires, can the next IVR password be generated.

How do I register for IVR password?

There is no registration process. However you will have to obtain a 3D Secure IVR password to perform a secure IVR transaction by sending an SMS prior to the transaction or through NetSafe/ Verified by Visa/ MasterCard SecureCode login account (as mentioned above).

What is IVR Password and how does it work?

To make telephonic (IVR) transactions more secure, all purchases/payments to merchants that you make using your mobile or telephone need to be authenticated with an additional password.

While making an IVR transaction, you will be prompted to enter the IVR password after you enter the Card number, Card expiry date and the CVV number. If you fail to enter the IVR password, the transaction will be declined.

In how much time will the IVR Password be delivered to my mobile phone/email ID?

IVR 3D Secure password is delivered instantly. It takes less than a minute.
However, network congestion could cause delay.

OTP Checkout

Can the OTP be generated prior to the transaction?

No, OTP can be generated only during the transactions.

Can I continue using the Verified by Visa/MasterCard SecureCode/Protectbuy password for online transactions?

Yes, you can continue using your secure password, OTP is an additional option provided for checkout.

On which mobile number will I receive the OTP?

OTP will be sent to the registered mobile number (updated in Credit card system).

Is it necessary to register the card for an OTP transaction?

Prior registration is not necessary for an OTP transaction.

Is this option available on all the online transactions?

This option is available on all websites which are participating in the VBV/MSC/Portectbuy secure transaction protocol.

Can the OTP be used for multiple online transactions?

OTP can be used only for a single online transaction.

How will the OTP be sent to the customers?

OTP will be sent only via SMS to the customers' registered mobile number.

What is the validity period of the OTP?

OTP is valid for a period of only 3 minutes

Verified by Visa/MasterCard SecureCode

What happens if I shop at a Verified by Visa/ MasterCard SecureCode merchant website while I'm not registered for this feature?

You will be prompted for online registration for Verified by Visa/ MasterCard SecureCode through a pop-up screen. You will need to authenticate yourself with your Credit/Debit Card number, Card expiry date and ATM PIN (or CVV2 and Date of birth for Credit Cards, along with your mobile number and email ID). For Debit Cards, you can choose your password to be used for Verified by Visa/ MasterCard SecureCode. For Credit Cards, a One Time Password one will be sent to your email ID instantly, which has to be used to complete the registration process. Thereafter, you can continue shopping on the merchant website. If you decide not to register immediately and cancel the pop-up screen, your transaction will not get authorized and you would not be able to complete the transaction on such websites.

Therefore, it is strongly recommended that you don’t cancel the pop-up screen and register for Verified by Visa/ MasterCard SecureCode as it protects you from online frauds.

Where can I shop with Verified by Visa?

You can shop at participating online stores that have the Verified by Visa/ MasterCard SecureCode mark.

How will the online store know that I have Verified by Visa/ MasterCard SecureCode?

The participating online stores will automatically recognize your Visa card number if you have registered it for Verified by Visa and a pop-up will be shown asking for your Verified by Visa password.

How can I register / re-set password for VBV/MSC if my mobile number/ email ID is not updated in the bank's records?

You will have to first have to get the details updated in our system by calling our Customer Care Centre and register after 1 working day. It is mandatory to have at least one email ID and one mobile number registered. The same will apply if there is a recent change in your mobile number or email ID.

Once I have registered, how long does it take for Verified by Visa / MasterCard SecureCode to become active for my card?

The Verified by Visa / MasterCard SecureCode gets activated for your HDFC Bank Card as soon as your registration is successful. You can start shopping at participating stores once you are registered with the added security of Verified by Visa/MasterCard SecureCode.

What will happen if I try to register again & generate an OTP within 2 hours?

You will get a pop-up message stating "Your earlier request is being processed. If you do not receive your OTP within 2 hours, please try again later". Only on expiry of the OTP generated through an earlier request, you can register again to generate a new OTP.

If my account is blocked, how do I unblock it?

If your account gets blocked, please contact your nearest Customer Call Centre (for Credit Cards) and PhoneBanking centre (for Debit Cards).

How do I use Verified by Visa / MasterCard SecureCode when I shop online, once I’m registered?

Once you have registered, you can use Verified by Visa/ MasterCard SecureCode service right away on participating merchant sites. For a full listing of these merchants, please visit your local Visa/ MasterCard website or www.visa-asia. com/verified/ or www. mastercard. com/ securecode

You will also find the Verified by Visa/ MasterCard SecureCode online shopping demo on these websites.

How does Verified by Visa/ MasterCard SecureCode work?

Verified by Visa/ MasterCard SecureCode provides you with a Password/ SecureCode that protects your online transactions, just like the way you use your PIN at an ATM. All you need to do is follow the simple steps:

Select the goods and services you want from the Verified by Visa (VBV) / SecureCode merchant site and proceed to the payment page.

Enter your HDFC Bank Debit/ Credit Card number and the online store will connect with HDFC Bank to check whether your Card is secured with Verified by Visa/ MasterCard SecureCode.

HDFC Bank initiates a Verified by Visa/ MasterCard SecureCode pop-up window on your computer screen that includes your Personal Assurance Message (PAM) or Personal Greeting message.

Look for and confirm your PAM/ Personal Greeting then enter your password. HDFC Bank will then confirm your identity to the merchant.

Your payment is authorized and your order is placed.

I suspect someone has stolen my password or used it to make fraudulent purchases. What should I do?

If you suspect any fraudulent activities, contact HDFC Bank immediately at your nearest customer Call Centre (for Credit Cards) or PhoneBanking Centre (for Debit Cards) and report the loss.

My spouse and I both have the same card number. How does Verified by Visa/ MasterCard SecureCode work for both of us?

Verified by Visa / MasterCard SecureCode will still work for both of you. You will only need to register the primary card.

What is Verified by Visa/MasterCard SecureCode?

Verified by Visa/ MasterCard SecureCode is a service that lets you use a personal password/ SecureCode with your HDFC Bank card. This SecureCode gives you added assurance that only you can use your HDFC Bank Card to make purchases over the Internet.

Just turn on your computer, connect to the Internet and pull out your HDFC Bank Card. You don't need any special software.

Use Verified by Visa/ MasterCard SecureCode as easily as you use your PIN at an ATM.

How do I register my HDFC Bank Card?

You can register your HDFC Bank Card through the HDFC Bank Website or through any participating online shopping site when prompted for registration.

Can I register for Verified by Visa/MasterCard SecureCode with my existing HDFC Bank Card or do I need to apply for a new one?

Yes, you can register with any of your HDFC Bank Cards to be protected by Verified by Visa/ MasterCard SecureCode. You don’t need to apply for a new HDFC Bank Card.

Can I register more than one HDFC Bank Credit/ Debit Card?

Yes, you can register all of your HDFC Bank Credit and Debit Cards for Verified by Visa/MasterCard SecureCode.

If I have just received a renewed card, do I need to re-register?

No, you do not have to re-register your renewed card since the card number remains the same. You need to re-register only if your card number has changed due to card replacement/ re-issue/ upgrade.

Can I register my non-Visa payment Cards with Verified by Visa and non- MasterCard payment Cards with MasterCard SecureCode?

Currently, Verified by Visa is only offered to protect Visa Cards and MasterCard SecureCode to protect MasterCard Cards.

Can I use Verified by Visa/ MasterCard SecureCode from any other computer?

Yes, you can use Verified by Visa/ MasterCard SecureCode from any computer that has an Internet connection and Internet Explorer, 5.0 and above or Mozilla Firefox 1.5 and above or Netscape Navigator 8.1 and above.

Do I need any special equipment or software on my computer?

No. All you need is an Internet connection and Internet Explorer 5.0 and above or Mozilla Firefox 1.5 and above or Netscape Navigator 8.1 and above. Find out if you browser is compatible by going to the "Help" menu on the upper right-hand side of your browser and select the "About" option. It will tell you what version is installed on your computer.

What is a Personal Assurance Message or Personal Greeting?

When you register for Verified by Visa/ MasterCard SecureCode, you are asked to create a Personal Assurance Message/ Personal Greeting.

So when you pay online, always look for your Personal Assurance Message/ Personal Message to ensure that HDFC Bank is authenticating you.

How can I register for VBV/SC if my mobile number / Email ID is not updated in my Credit Card records with the Bank?

You will have to first have the details updated in our system by calling our Customer Care Centre, and attempt to register later. The same will apply if there is a recent change in your mobile number.

How long does it take for the IVR Password to get delivered using Verified by Visa/Mastercard Secure Code?

The IVR Password will get delivered instantly, in less than a minute. Please ensure that you also check your Spam, Junk and all other folders for the IVR Password mailer from HDFC Bank.

If I have registered two email IDs, on which email ID will I receive the IVR Password ?

If there are 2 email IDs updated in our system, IVR Password will be sent to both email IDs. However, only one of them is required for validation during registration / password reset.

What is the validity of the IVR Password using Verified by Visa/Mastercard Secure Code?

The IVR Password is valid for 2 hours. If you do not use it within 2 hours of generation of IVR Password , it will expire. You will have to attempt registration again and use the new IVR Password . On expiry of IVR Password generated through the earlier request, you can attempt registration again to generate another IVR Password .

What are the other things that I need to keep in mind about the IVR Password using Verified by Visa/Mastercard Secure Code?

If you have provided 2 email IDs for our records, you need to enter any one of them for validation.

Also if your email ID and mobile number are not updated, please have the details updated in our system by calling our Customer Care Centre, and attempt to register later. It is mandatory to have at least one email ID and one mobile number registered. The same will apply if there is a recent change in your mobile number or email ID.

In what transactions is the One Time Password (IVR Password ) process applicable?

The IVR Password process is applicable only for Credit Cards for:

Registration through HDFC Bank website
Registration during online shopping
Password re-set through website
Password re-set while shopping online

I don't see my Personal Assurance Message on the Secure page . What should I do?

Always look for your Personal Assurance Message before entering your Verified by Visa / MasterCard Securecode password. If your Personal Assurance Message does not appear on the secure page, do not enter your password. Please contact our Customer Care Center and update the same.

If I forget my VBV/MSC password, how do I retrieve the same?

If you have forgotten your password, Click on Forgot password on Netsafe login page. Authenticate your identity after entering your Credit/Debit Card number, Card Expiry Date and ATM PIN (or CVV2 and Date of birth for Credit Cards, along with your mobile number and email id). Once the details are validated One time password will be sent to your email id and mobile no, using this permanent password can be set.

You can also reset your password while transacting, click on Forgot password on the secure password page Authenticate your identity after entering your Credit/Debit Card number, Card Expiry Date and ATM PIN (or CVV2 and Date of birth for Credit Cards, along with your mobile number and email id). Once the details are validated One time password will be sent to your email id and mobile no, using this permanent password can be set.

While trying to register my card, I am getting the error message stating mobile no. mismatch, what could be the reason?

Please enter the mobile no you have updated in our system, In case there is a change in the number, Please contact our Customer Care Center and update the same.

On which email id will I receive the OTP for Credit card registration or for password reset?

If there are 2 email ids updated in our system, OTP will be sent to both the email ids. However, only one of them is required for validation during registration / password reset.

While trying to register I am getting error message "Card already enrolled ", what should I do?

Your card is already registered for Verified by Visa / MasterCard SecureCode, you don't have to re-register your card. In case you don't remember your password, please click on forgot password on the Netsafe login page or on the secure page while transacting and you can reset your password.

I don't remember my Verified by Visa / MasterCard Securecode login Id?

You can use your Credit/Debit card number as your login id. The login id is required only to login to Netsafe, you don't require the login id for doing online transactions.

Where do I find the CVV2"?

CVV2 is three digit number mentioned at reverse of your card.

I am unable to transact online as my card is de-registered status, how do I re-register my card?

You have to login to NetSafe on the HDFC bank website using your login id & Verified by Visa/ MasterCard SecureCode password. Once you login to Netsafe click on reregister cards, enter your date of birth and CVV2 and post that the card will be reregistered. You can now use the card for online transaction.

Is there a fee to register for Verified by Visa / MasterCard Securecode?

The service is free, There is no additional charges for using the service.

What steps should I take to ensure that my VBV / MSC Password is strong and difficult to guess?

Avoid using a password that is easy to guess, also avoid using a password that you have already used elsewhere. Password should be something that is easy for you to remember but difficult for anyone else to guess. Never share your password with others. You may even choose to change your password periodically.
It is your responsibility to protect your VBV / MSC Password.

Can I set my Personal Assurance Message to be the same as my VBV / MSC Password?

Your Personal Assurance Message and your VBV / MSC Password must not be the same, to ensure your security.

What happens if I try to make a purchase at a merchant that doesn't participate in the Verified by Visa / MasterCard Securecode service?

You will not be prompted to enter your for Verified by Visa / MasterCard Securecode password on these websites.
By shopping at websites participating Verified by Visa / MasterCard Securecode merchants, you have the extra layer of security as the transactions are authenticated using your Verified by Visa / MasterCard Securecode password.

Can I get the benefit of Verified by Visa/ MasterCard SecureCode security at online stores that are not participating in the service?

No. you can only get the benefits of Verified by Visa/ MasterCard SecureCode at the participating online stores.

However a number of online stores have the service available to them. In the meantime, if an online stores you trust is not yet participating; you can perform the transaction using NetSafe.

Click here to know more.

NetSafe

What is NetSafe?
NetSafe is a unique online secure payment solution from HDFC Bank. The NetSafe offering involves generation of a virtual card number that you set up using your existing physical credit card or debit card. You can then use this virtual card number to shop online at any merchant website.

What are the unique features of NetSafe Cards?

The actual credit/debit card number is never used in the online transactions. Therefore, there is no risk of the actual card number getting exposed during the online transaction or on the merchant website.
For debit cards* upto 5 virtual cards can be generated daily, on credit cards netsafe card can be created as per the below grid

No of Netsafe cards per day Maximum limit per Netsafe card
Infinite & Regalia credit card
5

Rs.150,000

Rest of the credit cards
3

Rs.75,000

Infinite and Regalia credit cards issued prior to 25th Aug 2012 can create only 3 Netsafe card per day with limit of Rs.75,000 each card.
The NetSafe Card will be valid for maximum 48 hours.
The NetSafe Card can be used at any online merchant site that accepts Mastercard / Visa Cards, thereby providing secure online payment.
After the end of the validity period of the NetSafe Card, such unutilised amount will be credited back to your Credit/Debit Card account.

* This is subject to the Point of Sale(POS) limit per day, provided there is available balance in your savings/current account.

How safe is the HDFC Bank NetSafe Card ?

Your NetSafe Card is created online in real time for an amount decided by you and valid for maximum 48 hrs.
The NetSafe Card is an online, single transaction card. Therefore it cannot be used more than once, nor can it be used on a swiping machine.
On use of the Card the card expires, and can never be used again.
You will be the first and the only person to use the card.
As a matter of practice, you should create the card before the intended purchase, and use immediately at your chosen Merchant site. The plug-in that you can download from our website facilitates such unique card creation for ongoing online shopping transactions.

Do I have to register for using NetSafe?
Yes. There is a simple process for registering for NetSafe. Log on to www.hdfcbank.com and click on the register now option under NetSafe on the screen. There after, follow the simple registration steps.

How do I register my HDFC Bank Visa / Mastercard Card?
You need to register for the service through the HDFC Bank Website.

Can I register more than one HDFC Bank MasterCard/Visa Card?
Yes, you can register all of your HDFC Bank Mastercard / Visa Credit and Debit Cards.

How do I generate a NetSafe Card?
Go to www.hdfcbank.com and log in to NetSafe using your login ID and password. Now, choose the account (credit card or debit card ) from which you have to draw funds for creating the NetSafe Card. Click OK to generate the NetSafe Card. Alternatively, you can download a plug-in, which will reside on your computer. Clicking on the Plug-in will take you directly to the page for generating the NetSafe Card.

Can I use the NetSafe Card at all websites?
You can use your NetSafe Card at all the websites, which accept Visa / Mastercard cards as payment options.
Note:
Avoid using your NetSafe card when:

You will be required to present your actual plastic HDFC Bank Card to receive your purchase, e.g. for purchase of some airline and movie tickets - check each merchant's policy carefully before you purchase!
Card is to be used for recurring or installment payments

When does the source account get debited - at the time of creation of NetSafe Card or at the time of purchase payment ?
The amount gets debited at the time of creation of the NetSafe Card.

What happens if I do not use the NetSafe Card at all or if I use only part of the NetSafe Card amount?
For a completely unused NetSafe card created from your Credit Card, the amount is credited back at end of validity period. For Netsafe cards created from your Debit Card, the amount will be credited back in 3 working days to the source account.
In case the NetSafe Card was partially utilized, the balance amount gets credited to the source account within 7 days (for Netsafe Card created from Credit card) or at the end of 35 days (for Netsafe card created from Debit Card) from the date of transaction.

How do I cancel a NetSafe Card, after generating it?
Login to NetSafe and choose All accounts/services. In that, select Card List, which will list down all the NetSafe Cards generated and live. Then choose the cards that need to be cancelled and click on Cancel Card

For Netsafe cards created from your Visa /Mastercard Debit Card, the amount will be credited back in 3 working days to the source account. For Netsafe cards created from your Visa / Mastercard Credit Card, the amount is credited back at end of validity period.

Do I need any special equipment or software on my computer?
All you need is an Internet connection and Internet Explorer browser version 5.0 or above. To find out if your browser is compatible, go to the "Help" menu in the upper right of your browser and select the "About" option. It should tell you what version is installed on your computer.

Can I generate NetSafe Cards from any Computer ?
You can generate NetSafe Cards on any PC that has an Internet Connection and Internet Explorer browser version 5.0 or above.

Several Merchant Sites ask for a 3 Digit Code to be entered in addition to the Card Number . Does the NetSafe Card provide for such a number ?
Yes, at the time of Netsafe Card creation, this 3 digit code (CVV2 / CVC2 Value) will be generated and it should be used when prompted by a Merchant Site.

What if I forget my password?
If you forget your password, you may reset your password (create a new password) after entering your Credit/debit card number, ATM PIN (or CVV2 and Date of birth for credit cards) and card expiry details.

If I suspect someone has stolen my password or used it to make fraudulent purchases,what should I do ?
Contact HDFC Bank immediately at your nearest customer call centre ( for Credit Cards ) and Phone Banking Centre ( for Debit Cards) and report the same.

What happens if I shop online without using the NetSafe Card ?
You will be exposed to all the risks of online shopping, and your card could get misused.

Is there an Annual Fee for the HDFC Bank NetSafe Card ? No , this facility is currently being provided to you free of cost.

Can I withdraw Cash using my NetSafe Card ?
No, this card can be used only for making online payments at sites that accept the "VISA" or "Mastercard" range of cards.

Can I use this card for mail order or telephone order purchases?
Yes, this card can be used for mail order or telephone order purchases (subject to the card being used by the merchant at his end for completion of the transaction within the validity period of the card i.e within 24 hours from the time of Netsafe card creation)

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SAVE

Accounts, Deposits, Safe Deposit Locker...

Accounts

Savings Account

All Savings Account

What is the time taken to realize outstation cheques?

The indicative time taken for the realization of outstation cheques is given below:

Cheques drawn where HDFC Bank has a branch, credit will be given on receipt of clear funds in:
- Main metro locations (Mumbai, Chennai, Kolkata, New Delhi): 7 working days
- Metro centers and state capitals (other than those of North Eastern states and Sikkim): Maximum period of 10 working days.
- In all other centres where we have branches: maximum period of 14 working days.
Cheques drawn on non-branch locations where we have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days
Cheques drawn on non-branch locations where we do not have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days

For more details on the outstation cheque collection policy, click here. For other queries, Contact Us.

How can I change / update the address for my account?

We request you to follow the below steps to update /change your address.

You can Personally Visit your nearest Branch or
You can send your request through courier, Post or Bearer to the nearest branch :

1) Click here to download the form or Fill the application form available at the Branch
2) The application form needs to be duly filled and signed by the account holder.

3) Please attach a copy of Address proof to the address change request. List of Valid Address proof documents.

4) If you are visiting the Branch, please carry your original documentation for verification. If you are sending the request through post, then please attach a copy of self-attested address proof.

Note / Important:

Your mailing address will be updated within 7 working days after receipt of complete documentation.
Joint account holders need to fill separate request for address change
You may view the updated address by logging on to NetBanking under "My Contact Details".
For any other queries or to know the status of an existing application, please call up PhoneBankingor write to us with the details mentioned below.
- HDFC Bank Branch where your request was submitted
- Date when your request was submitted
- Your complete new address and PIN code

How can I request for Physical Statement/s?

Statements for the period of 2 years can be downloaded through NetBanking. We request you to follow the steps mentioned below to request for a statement of your Account.

Step 1) Log in to Net Banking

Steps 2) On the left hand pane under ‘Request’ option select ‘Account Statement’

Step 3) Select the Account number and Period for which the statement is required

Step 4) Click on ‘Continue’ and ‘Confirm’

The account statement will be delivered to your address within 4 working day

Alternatively you may request for a statement of your account through

Charges applicable per duplicate Statement if requested through
Branch	Rs.100
Phone banking (Non-IVR) & ATM	Rs.50
Net banking, Phone banking (IVR), & Mobile banking	Rs.30
Email	Nil

As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009.

If you wish to know more about Account Statements or want to know its status if requested, please call up PhoneBanking or write to us with full details viz. date of request, mode of request and period of request.

How do I register for Email Statement/s?

We request you to follow the steps mentioned below to register for an Email Statement of your Account:

Step 1) Log in to Net Banking

Step 2) On the left hand menu under 'Request’, click on ‘Email Statement Registration’

Step 3) After reading the Terms and Conditions, tick on the text box and then click on ‘Continue’ and then ‘Confirm’

Alternatively, you may submit the attached form to your nearest branch to register for the email statement facility. In case you are unable to visit a branch, we request you to send the form by post or courier. Find your nearest HDFC Bank Branch.

Note / Important:

Email statements are currently free of charge.
Dispatch of the physical statements will discontinue once you register for Email Statement.
For Savings Account Customers
Only the Primary Account holder will be eligible for the Email Statement facility. In case you are a secondary account holder, you will not receive any Email Statements.
For Current Account Holders
Only a Sole Current Account holder can avail of this registration facility.
For Managed Customers
Combined Email Statements for all accounts linked to the Primary Customer ID will be provided across Savings and Current Accounts and Fixed Deposits.

For any other queries or to know the status of an existing application, please call up PhoneBanking or write to us mentioning the details given below:

HDFC Bank Branch /mode where your request was submitted
Date when your request was submitted

What is the procedure to add/modify or delete a nominee for all my accounts and deposits

We request you to follow the steps mentioned below to add/modify or delete a nominee:

Step 1) Get an application form from a branch or downloaded a form from the website

Step 2) Fill the application form duly signed by all the holders and submit it to your nearest branch

The branch will assist you after the form has been submitted by you.

How do I update my PAN number?

We request you to follow either of the following procedure mentioned below to update you PAN number:

1) Request through branch:

Step 1) Submit a written request specifying your updated PAN number

Step 2) Give a self-attested photocopy of your PAN card. (carry originals for verification)

2) Request through Netbanking:

We are glad to inform you that the PAN can be updated online from your NetBanking.

Please follow the below steps to update your PAN online :

Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN)
Click on 'Contact details' on the top right hand corner & Select Edit Pan number / Click on 'Add/Update PAN number' on the Accounts tabs
Update your 10 digit PAN
Click on Confirm

Note :

1. The submitted PAN will be updated within 5 working days, post validation of the PAN with the income tax records.
2. In case of any mismatch of the submitted PAN with Income Tax records, the updation request will be rejected and customer will be intimated.
3. In case of any reject, the customer will need to visit the nearest branch with copy of the PAN card for updation on Bank records. Please note in some cases of difference in name on PAN Card, the customer may be asked to submit additional documents.
4. In the absence of PAN detail on Bank records, the interest earned on Fixed Deposits will be subject to penal TDS at 20% (if applicable)

What happens if I don't use my savings account for a very long time?

The account becomes dormant if there are no customer initiated transactions (excludes system generated transactions like credit interest, debit interest), in the account for a continuous period of two years.

If the account status is 'Dormant', transactions through Direct Banking Channels like ATM, NetBanking, PhoneBanking are not be allowed by the Bank.

How do I activate a 'Dormant' Savings Account?

We request you to follow the steps mentioned below to activate your account:

Step 1) Approach the branch in person.

Step 2) Submit a written request for activation of your dormant account, signed as per operating instructions in the account.

Step 3) Furnish proof of identity and Address (carry the original for verification)

Step 4) Initiate a transaction and your account will be activated once again.

Reissuance of ATM/Debit Card PIN?

For reissuance of your ATM / Debit PIN, please choose any of the following modes:

A. Through NetBanking -

Click on Debit card. Select Pin Regeneration
Select the card number. Click on continue
Select the Reason for Regeneration
Check the mailing address and confirm. Click on ‘Terms and conditions’ and confirm

B. Through Branch -

Please download Application Form
The Application Form should be duly filled and signed by all Account Holder/s
Submit the duly filled Application Form at the nearest Branch
On receipt of Form and successful verification, the new ATM/Debit Card PIN will be sent to your mailing address
To verify your mailing address in our records, please log into NetBanking (Go to “My Contact Details")

C. Through PhoneBanking -

Validate your Telephone Identification Number (TIN)

How can I change / add the email ID in my account?

We request you to follow the procedure mentioned below to change your email ID:We request you to follow either of procedure mentioned below to change / add your email ID:

1) Request through branch:

Step 1) Fill the application form available at the Branch (duly signed by all the holders).

Step 2) If you are unable to visit an HDFC Bank Branch, you can send the Form by post or courier.

Note / Important:
Instructions received through Net Banking, scan copy, fax or email will not be processed for security and authentication purposes.
Updates for InstaAlerts (if registered) need to be done separately.
InstaAlerts Updates: Please follow the steps mentioned below to update your Email ID online for InstaAlerts (in case you are registered for the InstaAlerts facility):

Step 1) Log in to your NetBanking and click on "InstaAlerts" located at the top right corner of the web page

Step 2) Click on "Unsubscribe Alerts" on the left hand pane of the web page

Step 3) Check the "Email" option and select "Continue” and then “Confirm”

Step 4) Click on "Subscribe for Alerts" in the left hand pane of the web page

Step 5) Check the "Email" option and enter your new mobile number, then click on “Continue” and “Confirm”

Step 6) Go to "Manage Alerts" and select the required option

How Do I Change / Add my Mobile Number?

We request you to follow the procedure mentioned below to change your Mobile Number

Step 1) Fill the application form available at the Branch (duly signed by all the holders).

Step 2) If you are unable to visit an HDFC Bank Branch, you can send the form by post or courier.

Note / Important:

Instruction received through Net Banking, or scan copy, fax or email will not be processed for security and authentication purpose.
Updates for InstaAlerts and / or Mobile Banking (if registered) need to be done separately.

InstaAlerts Updates:

Please submit your requirement at your nearest branch, through a written letter duly signed by all account holders. In case you are unable to visit a branch, you can send the letter by post or courier.

Mobile Banking Updates/InstaQuery Updates:

Please cancel InstaQuery on your old number and then re-register for InstaQuery on your new number by following the process mentioned below:

Log in to Net Banking with your Customer Identification Number and NetBanking Password (IPIN).
Click on InstaQuery Registration in the top right hand corner
Select De-register for InstaQuery from the left hand side menu
From the list shown, select the mobile number that needs to be de-registered
Click on ‘Continue’
Select ‘Confirm’

Your InstaQuery de-registration request will be processed online

Subsequently, you need to re-register for InstaQuery on the new number as below:

Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN).
Click on InstaQuery Registration on the top right hand corner
Select Subscribe for InstaQuery from the left hand side menu
Choose your Account Number from the list of all accounts linked to your Customer Identification number. (All the account level transactions will be effective for the Primary Account selected by you at the time of registration. The primary account can be changed at a later stage using the 'Change Primary Account' facility in InstaQuery.)
Provide your 10 digit mobile number along with the country code. Note that all Reliance CDMA customers need to provide a 10 digit mobile number only, without the country code.
Click on the Check box which states ‘I accept Terms and Conditions’.
Click on ‘Confirm’.
Your request will be processed online.

Alternatively, please submit the e-age banking form to a branch to avail of the InstaQuery facility. The form is available on www.hdfcbank.com, Please check for the availability of the service with your cellular service provider.

Documentation required to open a Savings / Current Account of Trust / NGO

Registration Certificate of Trust / Society / Associations / Club
Trust Deed / Bye Laws / Constitutional Document ( if unregistered , notarized copy to be obtained)
Copy Of Pan Card
Income Tax registration u/s 12 A for entities as specified in RBI Circular
Certified Copy of resolution for opening and operating of the account
Duly authenticated list of current Trustees / Office Bearers on the letter head of the entity
Address Proof of the entity
Beneficial Ownership Declaration
KYC documents of the authorized signatories

What is the general documentation requirement to open an Institutional (Trust, Society, Association & Clubs) Savings / Current Account for Trust / Society / Association / Clubs?

The following documents are required:

Account opening form for non-individuals to be completed and signed by all authorized signatories
Registration proof with any state regulatory authorities
Certificate of Registration with the Local Charities Commissioner (for charitable trusts)
Income Tax registration u/s 12A for entities as specified in RBI circular
Certified Copy of the Trust Deed / Bye-laws / MOA/ Constitution
Proof of address of the Trust
Certified Copy of the Resolution from Board of Trustees / governing body defining who is going to be the authorized signatory in the account / authorizing the opening and conduct of the account
Proof of appointment of present Trustees/ governing body members in case they are not listed in the Trust Deed / bye-laws / constitutional document
PAN Card / Form 60 as may be applicable
FCRA declaration for receipt / non-receipt of foreign contribution into the account
Beneficial Ownership declaration (only for Trusts)
Proof of identity and photographs of all trustees authorised to operate the account

Benefits of the Institutional (Trust, Society, Association & Clubs) Savings Account for your institute

Zero balance account
Monthly Statement of Account OR Option to avail Daily / Weekly / Monthly statements on email
No charges on usage of PAP cheque book at HDFC Bank locations (through clearing only)
Free Demand Drafts on HDFC Bank locations
Free Outstation Cheque Collection at HDFC Bank locations*
Cash Transactions -
At account branch: Self / Third party: Free
At non-account branch: Self
Free Cash Deposits upto Rs 50,000 per day
Free Cash Withdrawals upto Rs 50,000 per day
At non-account branch: Third party
Cash transaction limit of Rs 50,000 per day – Free

What are the documents required to open a New Savings Account?

In order to open a new Savings Account, simply walk into the nearest HDFC Bank and speak to a customer service executive. Remember to carry the following documents (original for verification and self-attested copies for submission):

Identity Proof
Address Proof
Latest passport size photographs

Click here to see the List of valid identity/addres proof.

What is the frequency of interest payout for a Savings Account?

Interest earned on your Savings Account balance shall be credited to your account on Quarterly basis.

How can you transfer your Savings Account from one branch to another?

Following is the process to be followed to transfer your account from one branch to another:

An account transfer form, signed by all applicants, given at any of our branches. We recommend that you submit the form at the branch that you want your account transferred to.
There will be no change in your account number. You can continue to use your existing chequebook, debit card etc

Benefits of the Institutional Savings Account for your institute:

Zero balance account
Monthly Statement of Account OR Option to avail Daily / Weekly / Monthly statements on email
No charges on usage of PAP cheque book at HDFC Bank locations (through clearing only)
Free Demand Drafts on HDFC Bank locations
Free Outstation Cheque Collection at HDFC Bank locations*

Cash Transactions -

At account branch: Self / Third party: Free
At non-account branch: Self
Free Cash Deposits upto Rs 50,000 per day
Free Cash Withdrawals upto Rs 50,000 per day
At non-account branch: Third party
Cash transaction limit of Rs 50,000 per day –Free

Government/Institutional Savings Account

Can I get a Debit Card linked to my Institutional Savings Account?

Yes. Business Debit Cards are issued to Authorised Signatories in the account. This is done provided the mode of operation is ‘Singly’ OR ‘Either or Survivor’ and the operating instructions allow the signatory to sign for amounts above Rs. 1.25 lakh.

This is because the combined - ATM & POS - per day limit on the Business Debit Card is Rs.1.25 lakh.

What is the general documentation requirement to open an Institutional Savings Account?

The following documents are required:

Account opening form for non-individuals to be completed and signed by all authorized signatories
Registration proof with any state regulatory authorities
Certificate of Registration with the Local Charities Commissioner (for charitable trusts)
Income Tax registration u/s 12A for entities as specified in RBI circular
Certified Copy of the Trust Deed / Bye-laws / MOA/ Constitution
Proof of address of the Trust
Certified Copy of the Resolution from Board of Trustees / governing body defining who is going to be the authorized signatory in the account / authorizing the opening and conduct of the account
Proof of appointment of present Trustees/ governing body members in case they are not listed in the Trust Deed / bye-laws / constitutional document
PAN Card / Form 60 as may be applicable
FCRA declaration for receipt / non-receipt of foreign contribution into the account
Beneficial Ownership declaration (only for Trusts)
Proof of identity and photographs of all trustees authorised to operate the account

Can unregistered institutions open an Institutional Savings Account?

No. Accounts of only registered trusts, societies, associations, clubs can be opened.

Can transactions be done at any HDFC Bank branches?

Yes. You can transact at any HDFC Bank across the country. Charges as mentioned in the Fees and charges section will apply.

My institution will start receiving foreign contribution. Can I receive the same in the Institutional Savings Account ?

No. The institutional Savings Account cannot be used for receiving foreign contribution. You will need to open a separate FCRA account for receiving foreign contribution.

Can funds be credited to an FCRA account simply after the account is opened?

No. Funds can be credited to the FCRA account only after the approval from Ministry of Home Affairs (MHA) is received for that account. Till then, the account will be blocked.

Is there an AMB (Average Monthly Balance) declaration required to be submitted along with the documents for an Institutional Savings Account?

No. There is no AMB declaration required since it is a Zero Balance Account.

Can NetBanking facility (financial rights) be enjoyed by authorized signatories in the Institutional Savings Account?

Yes. We do offer NetBanking financial rights to authorized signatories. You need to fill up an application form along with a Board Resolution in order to avail this facility.

What is the AMB (Average Monthly Balance) requirement of the Institutional Savings Account?

An Institutional Savings Account is a ZERO BALANCE account.

Kids Advantage Account

Do I need to close my account when my kid attains majority?

No, the existing account can be converted to a regular savings account.

To convert the account the following will be required:

AML section on the SB Regular AOF should be updated for the minor turned major
Customers will also fill up the Kid’s Advantage account conversion form
Identity Proof
Address proof
Photograph
Proof of becoming major like Birth certificate, Passport etc

How long the Standing Instruction given will be valid?

Please note that Standing Instruction to transfer any amount from your account to your Kid's Advantage account every month is a mandatory requirement for this account and is valid for a minimum tenure of 1 year. Post the same you need to submit a fresh request at nearest HDFC Bank branch to continue the standing instructions.

Is the primary Customer ID of the Kids Advantage account will be same as my Customer ID?

The primary Customer ID issued under your kids name for the Kid's Advantage account will be different from your Customer ID.

You should use the primary customer ID to open the email statement you receive for your Kid's Advantage account.

Women's Savings Account

What are the documents required to open a Women's Savings Account?

To open a Savings Account you have to:

Submit your identity proof and address proof along with your latest passport size photographs
Submit self-attested copies and originals for verification

Video KYC for Savings Account

Q: What is Video KYC ?

A: Video KYC enables you to open a Bank account within the comfort of your home through a contactless process. This process is through a consent based audio-visual interaction with a Bank official who will obtain identification information for KYC and help you complete the account opening process without having you to visit any Branch.

Q: Who can open an account through Video KYC ?

Resident Individuals
People who are above 18 years of age
Those who wish to open an account through Aadhaar OTP based e-KYC
Those who have an Original PAN Card
Customers who do not hold any existing relationship with HDFC Bank

Q: Is there any AMB requirement in Video KYC account?

A: Average Monthly Balance (AMB) requirements are as per the Product you select. Please refer to the Schedule of charges

Q: Are there any limitation on Balance or transactions if the account is opened through Video KYC?

A: The account opened through the Video KYC process is a Full KYC Account and there are no limitations on Account balance or transactions done in the account.

Q: How do I do Video KYC?

A: In The video KYC process, you have to fill up a digital account opening form online, provide a consent for enabling video KYC, basis which you shall be connected to a Bank official to complete your account opening process.

Q: What are the advantages of video KYC?

A: The end-to-end process of getting a full-fledged bank account can be carried out from the comfort of your home through an online zero-contact process.

Q. What are the Pre-requisites for opening an account through Video KYC?

Customer to ensure the below before connecting for Video KYC -

Audio and Video enabled Mobile Phone/Laptop/Desktop
A Blank White sheet of paper and a black pen
A well lit room
A Plain wall behind you
Uninterrupted data connectivity
You need to be physically present in India while completing your account opening journey
Your device should not be connected through VPN, Proxy or Static IP

Q: I recently opened a HDFC Insta account. Can I do the Video KYC?

A: Currently Video KYC process is only available for New Customers. To complete your KYC for an existing Insta account, you can walk into the nearest HDFC Bank branch with your original KYC Documents.

Q: Do I need WhatsApp/Skype to complete my Video KYC?

A: Video KYC is carried out through a link which we will share with you once you complete your digital account opening form. WhatsApp/Skype is not required for the same.

Q: Why do I need to give access to my Location in the Video KYC process?

A: As per RBI guidelines, you need to be in India to carry out the Video KYC. Thus, we need to check your approximate location while performing Video KYC and this is only for verification purposes.

Q: Why do I need to give consent for access to my Camera and Microphone?

A: Video KYC is an audio-video interaction with a Bank official. Thus, the consent to use the camera and microphone is needed to proceed with the Video KYC.

Q: I have tried carrying out the Video KYC process twice but I am not successful due to slow internet connection and video quality. What can I do?

A: You can retry with the URL shared once you are in a good network area. This URL is valid for 3 days from the time you complete your Digital account opening form. Our officers are available from 10:00 am to 8:00 pm on working days including all Saturdays except National Holidays.

In case you are still unable to complete the Video KYC, we request you to visit the Branch and a Bank official will help you complete your account opening.

Q: When can I carry out the video KYC process?

A: Our officers are available from 10:00 am to 8:00 pm on working days including all Saturdays except National Holidays. You may call us during these service hours to complete your Video KYC.

Q: I have rejected location access permission by mistake. What should I do?

A: You can restart with the same URL after enabling the location. This URL is valid for 3 days from the time you complete your Digital account opening form.

Q: Can Video KYC be rejected?

A: Video KYC can be rejected in a scenario where incorrect Identification is provided. You will not be able to further complete your account opening through Video KYC. In such cases, we request you to visit the nearest HDFC Bank branch to complete your account opening process.

Q: I could not get connected to any Agent for Video KYC. What should I do?

A: Sorry for the inconvenience. Such a scenario happens due to heavy traffic on our platform. You can retry with the URL again. This URL is valid for 3 days from the time you complete your Digital account opening form. Our officers are available from 10:00 am to 8:00 pm on working days including all Saturdays except National Holidays.

Q: Can I fill the details online and carry out the Video KYC process later?

A: Yes, you can login with the URL shared. This URL is valid for 3 days from the time you complete your Digital account opening form. Our officers are available from 10:00 am to 8:00 pm on working days including all Saturdays except National Holidays.

Q: I have completed the Video KYC. When will I get my account details?

A: Once the Video KYC process is completed, and your account details are successfully verified, you will get your account details on your registered mobile number and email id within 4 working hours.

Q: What will happen if the video KYC process is disconnected in between?

A: You can retry with the URL shared. This URL is valid for 3 days from the time you complete your Digital account opening form. Our officers are available from 10:00 am to 8:00 pm on working days including all Saturdays except National Holidays.

Q: Can I login from any network?

A: Please ensure that you are not logged in through a VPN or Proxy server. You may connect through your Mobile or Personal Wifi network.

Q: Which language options do you offer to complete the video call for VCIP?

A: Currently, video call for VCIP is available in two languages - Hindi & English.

Q: Are there any device requirements for doing Video KYC?

A: Please note that the below browsers are incompatible with Video KYC. You may login with any other device and complete your account opening process.

Phone	Os
Honor 10 Lite	Android 5.1
Honor 7X	Android 5.1.1
Samsung galaxy A20	Android 7.1.2
honor9lite	IOS Version 11.4.1
Samsung Duos	-
Iphone 11	Chrome Version
Samsung J2	Chrome 50.0.2661.89
Iphone 7 Plus	Chrome 61.0.3163.98
iPhone XR	Chrome 70.0.3538.110
Lenovo K8 Plus (XT1902 - 2 )	Chrome 73.0.3683.90
Mi Max 2	Chrome 80.0.3987.16
moto E3	Chrome 80.0.3987.87
Moto e3	Chrome 80.0.3987.99
Moto e4 plus	Chrome 80.03987.119
Samsung J5 Prime	-
Moto G 4	-
Oppo A83	-
oppo f1s	-
Samsung j7 prime	-
oppo F5	-
Oppo f5 youth	-
oppoF1s	-
Redmi 4	-
redmi 4a	-
Redmi 5A	-
Redmi Note	-
Samsung Galaxy A7 2018	-
SM-G610F	-
vivo Y95	-
vivo z1x	-
vivo1718	-

Current Accounts

All Current Accounts

What are the documents required for opening a Current Account of a sole proprietorship firm?

Following documents are required to open a Current Account of a sole proprietorship entity:

Proof of existence in the name of firm
Proof of address in the name of firm
KYC of the proprietor

Any two of the below listed documents shall be obtained for establishing proof of existence.

Registration certificate/license issued by Municipal authorities such as Shop & Establishment Certificate/Trade License
CST/VAT/Service Tax Certificate or Letter Of Registration for CST/VAT/Service Tax
Certificate/Registration document issued by Professional Tax authorities
Valid Business License or Certificate Of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
RBI/SEBI Registration Certificate
License issued by Food and Drug Control Authorities
Import - Export certificate (IEC Code) issued by the Director General of Foreign Trade

Documents for establishing proof of address

Landline telephone bill/electricity bill of public & approved private operators in the state. (Bills not to be older than 4 months from the date of account opening)
Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
TAN Allotment Letter issued in the name of the firm
Latest property tax or water tax paid receipt/bill raised in the name of the firm
Existing bank account statement or passbook of a PSU/private sector/foreign bank. Statement not older than 4 months from the date of account opening to be accepted

** This is only indicative list. Please visit your nearest branch for details

Can I transfer my Current Account from one branch to another?

Yes, Current Accounts can be transferred from one branch to another. However, there are certain restrictions. Please visit your nearest branch for details.

My present status is NRI. What extra documents are required for opening a Sole Proprietorship Current Account?

NRI/PIO can open the proprietorship/partnership firm subject to following customer declaration (which needs to be taken from the customer):

Amount is invested by inward remittance or out of NRE/FCNR/NRO account maintained with AD bank (from the Current Account of the customer).
The firm or proprietary concern is not engaged in any agricultural/plantation or real estate business (i.e. dealing in land and immovable property with a view to earning profit or earning income there from) or print media sector.
Amount invested shall not be eligible for repatriation outside India.

The above should be clearly mentioned in the declarations given by the customer.

What are the documents required for opening a Current Account of Limited Liability Partnership?

Following documents are required for opening a Current Account of Limited Liability Partnership:

Incorporation Document, Limited Liability Partnership Agreement
Certificate of Incorporation
List of all existing Designated Partners of LLP along with Designated Partner Identification Number (DPIN) issued by the Central Government
Resolution passed at the meeting of Designated Partners for the particular relationship, which the LLP plans to have with the bank
KYC of Designated Partners/Authorised Signatories

What documents are required to change the address of an entity?

Following documents are required to change the address of an entity:
Request letter for address change signed by the Proprietor/Partner/Authorised Signatory (in case of a company)
Along with following list of documents:

What are the documents required for opening Current Account of a company?

Following documents are required for opening Current Account of a company:

Private Limited Companies
  -  Memorandum of Association (MOA)
  -  Articles of Association (AOA)
  -  Certificate of Incorporation
  -  Latest list of directors duly signed by any Director/Company Secretary /Authorised Signatory
  -  Board Resolution (BR) duly signed by the directors of the company.
Limited Companies
  -  Memorandum of Association (MOA)
  -  Articles of Association (AOA)
  -  Certificate of Incorporation
  -  Certificate of Commencement of Business
  -  Latest list of directors duly signed by any Director/Company Secretary/Authorised Signatory
  -  Board Resolution (BR) duly signed by the Directors/Company Secretary of the Company

Who can be a partner in a partnership firm?

Partners must be major (above the age of 18), should be sane and should not be disqualified by law from entering into a contract.

What is the time taken to realize outstation cheques?

The indicative time taken for the realization of outstation cheques is given below:

Cheques drawn where HDFC Bank has a branch, credit will be given on receipt of clear funds in:
- Main metro locations (Mumbai, Chennai, Kolkata, New Delhi): 7 working days
- Metro centers and state capitals (other than those of North Eastern states and Sikkim): Maximum period of 10 working days.
- In all other centres where we have branches: maximum period of 14 working days.
Cheques drawn on non-branch locations where we have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days
Cheques drawn on non-branch locations where we do not have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days

For more details on the outstation cheque collection policy, click here. For other queries, Contact Us.

Can an individual open a Current Account?

Yes. Documentation will be that of an individual, i.e. identity proof and address proof.
Click here for documentation required for opening individual a Current Account.

Can EEFC Account be opened by Special Economic Zone (SEZ) Units?

No, SEZ Units cannot open EEFC accounts.

Do we open Trust Accounts in the bank?

Institutions Accounts can be opened for trusts, societies, associations and clubs can be opened.

Can funds be credited to an FCRA account simply after the account is opened?

No. Funds can be credited to the FCRA account only after the approval from Ministry of Home Affairs (MHA) is received for that account. Till then, the account will be blocked.

Can Net Banking facility (financial rights) be enjoyed by authorized signatories in the Institutional Savings Account?

Yes. We do offer Net Banking financial rights to authorized signatories. You need to fill up an application form along with a Board Resolution in order to avail this facility.

What is the AMB (Average Monthly Balance) requirement of the Institutional Savings Account?

An Institutional Savings Account is a ZERO BALANCE account.

What are the minimum docs required to open an Institutional current account?

Non-individual (Current account) AOD to be completed
Registration proof with any state regulatory authority OR
Certificate of Registration with the Local Charities Commissioner (for charitable trusts)
Certified Copy of the Trust Deed / Bye-laws /MOA /Constitution
Proof of address of the institute
Certified Copy of the Resolution from Board of Trustees defining who is going to be the authorized signatories in the account / authorizing the opening & conduct of the account
Proof of appointment of present Trustees/Governing Body members in case they are not listed in the Trust Deed/Bye-laws
Pan Card/Form 60/No Pan declaration as may be applicable
FCRA declaration
Beneficial Ownership declaration (only for Trusts & Association of Persons)
Photograph & proof of identity of all authorized signatories

Is there an AMB (Average Monthly Balance) declaration required to be submitted along with the documents for an Institutional Savings Account?

No. There is no AMB declaration required since it is a Zero Balance Account.

Can Net Banking facility (financial rights) be enjoyed by authorized signatories in the Institutional Savings Account?

Yes. We do offer Net Banking financial rights to authorized signatories. You need to fill up an application form along with a Board Resolution in order to avail this facility.

Can Net Banking facility (financial rights) be enjoyed by authorized signatories in the Institutional Savings Account?

Yes. We do offer Net Banking financial rights to authorized signatories. You need to fill up an application form along with a Board Resolution in order to avail this facility.

Do we open FCRA Accounts in the bank?

Institutions Accounts can be opened for trusts, societies, associations and clubs can be opened.

Do we open Clubs Accounts in the bank?

Institutions Accounts can be opened for trusts, societies, associations and clubs can be opened.

Do we open Association Accounts in the bank?

Institutions Accounts can be opened for trusts, societies, associations and clubs can be opened.

Who can open an Institutional Savings Account?

Institutions Accounts can be opened for trusts, societies, associations and clubs can be opened.

Can unregistered institutions open an Institutional Savings Account?

No. Accounts of only registered trusts, societies, associations, clubs can be opened, however we can open accounts for unregistered trusts as exception.

Can transactions be done at any HDFC Bank branches?

Yes. You can transact at any HDFC Bank across the country. Charges as mentioned in the Fees and charges section will apply.

My institution will start receiving foreign contribution. Can I receive the same in the Institutional Savings Account?

No. The institutional Savings Account cannot be used for receiving foreign contribution. You will need to open a separate FCRA account for receiving foreign contribution.

RFC - Domestic Account

What are the permissible Debits from an RFC Domestic Account?

The funds in a Resident Foreign Currency Domestic Account opened or held or maintained shall be free from all restrictions regarding utilization of foreign currency balances, including any restriction on investment in any form, by whatever name called, outside India.

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

Who can open an RFC Domestic Account?

Any person who is a resident Indian can open an RFC Domestic account, as long as the foreign exchange earned is in line with the permissible credits as defined in the RBI circular.

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

What are the permissible credits from an RFC Domestic Account?

As per the RBI directive, the following can be credited into an RFC Domestic Account:

a) Received as pension or any other superannuation or other monetary benefits from his employer outside India; or
b) Realised on conversion of the assets referred to in sub-section (4) of section 6 of the Act, and repatriated to India; or
c) Received or acquired, as gift or inheritance, from a person referred to in sub-section (4) of section 6 of the Act; or
d) Referred to in clause (c) of section 9 of the Act, or acquired as gift or inheritance therefrom.

In what currencies can I open an RFC Domestic account?

An RFC Domestic Account can be opened in three different currencies, i.e. USD / Euro / GBP.

Exchange Earners Foreign Currency (EEFC) Account

Whether the EEFC balances can be covered against exchange risk?

Yes, the EEFC account balances can be hedged.

Is there any restriction on withdrawal in rupees of funds held in an EEFC account?

No, there is no restriction on withdrawal in rupees of funds held in an EEFC account. However, the amount withdrawn in rupees shall not be eligible for conversion into foreign currency and for re-credit to the account.

How much of foreign exchange earnings can be credited into an EEFC account?

100% foreign exchange earnings can be credited to the EEFC account subject to the condition that the sum total of the accruals in the account during a calendar month should be converted into rupees on or before the last day of the succeeding calendar month after adjusting for utilisation of the balances for approved purposes or forward commitments. Refer to the RBI circular on below link.

What are the different types of EEFC accounts? Can interest be paid on these accounts?

An EEFC account can be held only in the form of a current account. No interest is payable on EEFC accounts.

What are the permissible credits into EEFC account?

Inward remittance through normal banking channels, other than remittances received on account of foreign currency loan or investment received from abroad or received for meeting specific obligations by the account holder;
Payments received in foreign exchange by a 100 per cent Export Oriented Unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park for supply of goods to similar such units or to a unit in domestic tariff area;

Payments received in foreign exchange by a unit in the domestic tariff area for supply of goods to a unit in the Special Economic Zone (SEZ);
Payment received by an exporter from an account maintained with an authorised dealer for the purpose of counter trade. (Counter trade is an arrangement involving adjustment of value of goods imported into India against value of goods exported from India in terms of the Reserve Bank guidelines);
Advance remittance received by an exporter towards export of goods or services;
Professional earnings including directors fees, consultancy fees, lecture fees, honorarium and similar other earnings received by a professional by rendering services in his individual capacity;
Re-credit of unutilised foreign currency earlier withdrawn from the account;
Amount representing repayment by the account holder's importer customer, of loan/advances granted, to the exporter holding such account; and
The disinvestment proceeds received by the resident account holder on conversion of shares held by him to ADRs/GDRs under the Sponsored ADR/GDR Scheme approved by the Foreign Investment Promotion Board of the Government of India.

What are the permissible debits into this account?

Payment outside India towards a permissible current account transaction [in accordance to the provisions of the Foreign Exchange Management (Current Account Transactions) Rules, 2000] and permissible capital account transaction [in accordance to the Foreign Exchange Management (Permissible Capital Account Transactions) Regulations, 2000].
Payment in foreign exchange towards cost of goods purchased from a 100 percent export oriented unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park.

Payment of customs duty in accordance with the provisions of the Foreign Trade Policy of the Central Government for the time being in force.
Trade related loans/advances, extended by an exporter holding such account to his importer customer outside India, subject to compliance with the Foreign Exchange Management (Borrowing and Lending in Foreign Exchange) Regulations, 2000.
Payment in foreign exchange to a person resident in India for supply of goods/services including payments for airfare and hotel expenditure.

Smart Up solution for Start Ups

What are benefits of Smartup Solutions?

A suitable choice of Current Account for your business and transaction needs
-   Alliances for your Start-up
-   Advisory Services
-   Co-working Spaces
-   Logistics
-   Public Relations
-   Digital Marketing services
-   Content Writing

Smart-Buy -Accelerate your business with the right marketing channel at the right time. Get access to 37 million potential customers to accelerate your growth.
Smart-Up Portal - Meet other start-ups, customers, mentors, investors all by simply registering for the Smart-Up Program
Digital & Cash Management Solutions
Forex Advisory

What is the offer for Salary Account under Smartup programme?

No minimum requirement of number of salary accounts and Average salary to be more than Rs. 25,000
  - Zero Balance Salary Account ,Free payable at par cheque book
  -Platinum Debit Card with higher limits for cash withdrawal at ATMs and usage at shopping outlets
  - Corporate Microsite (Whenever applicable) – a customised webpage highlighting our offers for company’s employees at no cost.
  - Online investment and Loan facility.
  - Cashback of Re.1* for every Rs.100 spent at merchant outlets.

If I have a query, do I need to visit the branch?

Simply message ‘SMARTUP’ to 5676712 or send us a mail at smartup@hdfcbank.com, and our Relationship Manager will promptly get back to you & answer all your queries.

What are the key features of CMS and eCMS of HDFC bank?

a. CMS –
  - End-to-end solution to your payment and collection requirements through our Cash Management Services at extremely attractive rates
  - Consistently voted “Best Bank in Cash Management Services”
  - Cash management services are offered at over 2400 locations
b. eCMS -
  - Tailor made product offering for electronic collections
  - Ease of reconciliation for your business
  - STP credit with real time notification
  - Credit confirmation to the remitter
  - Integrated MIS offering – secure data transmission

What are Collection Solutions available?

a. Cash Management Services
  - End-to-end solution to your payment and collection requirements through our Cash Management Services at extremely attractive rates
  - Consistently voted “Best Bank in Cash Management Services”
  - Cash management services are offered at over 2400 locations

b. eCMS
  - Tailor made product offering for electronic collections
  - Ease of reconciliation for your business
  - STP credit with real time notification
  - Credit confirmation to the remitter
  - Integrated MIS offering – secure data transmission

c. Payzapp for Business
  - Revolutionary invoicing solution by HDFC Bank which enables start-ups to request and receive payments on the go.
  - Ideal for all start-ups who need to collect Payment on delivery / Advance payment / Balance payment/ On-field collection.
  - Instant flow of cash in to your account

d. Chillr
  - This is a revolutionary application which lets merchants request money from other Chillr users using the Collect feature. A QR Code/Alpha Code is generated which the sender has to scan to complete the payment.
  - Merchant can also view his transaction history

What are the key features of current account?

Current Account Varaint	SMARTUP ALPHA	SMARTUP MAX
Current Account Feature
Minimum Balance Requirement	Zero Balance for 1 Year, subject to any 2 debit transactions in the first 6 months from account opening Year 2 onwards Rs. 25,000 Average Quarterly Balance 5,00,000 Average Quarterly Balance Enjoy privileges of Preferred Banking*
Free Cheque Leaves	100 Per Month	500 Per Month
RTGS & NEFT	FREE	FREE
Local & Anywhere cheque collections/payments and fund transfer	FREE	FREE
Free Cash Deposit Limit Per month across all branches	Upto 12 times the Average Monthly Balance per month or 25 transactions whichever is lower,(subject to maximum Rs 100 lacs/month)	Upto 12 times the Current month Average Monthly Balance or 60 Lakhs or 60 transactions which breached first (subject to maximum Rs 200 lacs/month)
Additional Privileges
Debit Card	Platinum Debit Card with No Annual Fee 1 cash back for every Rs 100 spent *	Times Debit Card with No Annual Fee Earn 2 Times Points for every Rs. 150 spent * Exclusive Discount of 10% or more on online lifestyle, entertainment, dining and grocery *
Corporate Credit Card (FD backed card with credit limit of 75%)	Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000)	Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000)

What are the key features of Payment gateway of HDFC bank?

- Acceptance of online payments through cards/ NetBanking and IMPS
- Value Added Services such as EMI (Easy Monthly Instalment), Standing Instructions (for recurring payment), IVR (Interactive Voice Response System), intelligent online reporting of success/failed transactions, dynamic routing across gateways to ensure best success rate, tokenisation etc
- All the above on a plug & play model with simple documentation and T+1 settlement thereby enabling faster business go-live and better funds management
- One of industry’s best risk monitoring capability
- Dedicated in-house service team for all time support

What are benefits of Payzapp for business?

Payzapp for business is arevolutionary invoicing solution by HDFC Bank which enables start-ups to request and receive payments on the go.
Ideal for all start-ups who need to collect Payment on delivery / Advance payment / Balance payment / On-field collection.
Benefits to Start-ups –
- Instant flow of money to start-ups account
- Convenient and Secure Money Transfer
- No hassles of Cash Management

Who all can open SmartUp Current Account?

SmartUp Solutions is targeted primarily for the newly incorporated Start-up companies working towards innovation, development, deployment or commercialization of new products, processes or services driven by technology or intellectual property.
- Proprietorship, Partnerships, LLP, Private limited companies and Limited companies can open this account.
- Date of incorporation / registration of business should not be more than five years from date of account opening

What is Smartup Solutions?

A SMART solution for your StartUp. SmartUp is here to assist you in achieving your startup goals with smart financial tools, smart advisory services and technology.

What are Payment Solutions available?

I. Digital Payments
a. Payment Gateway
  - Complete Internet-based payment processing and management solutions for all cards issued in India and abroad
  - An integrated, flexible, rule-based, proactive risk management system that supports evaluation of transaction activity
  - Highly reliable uptime and best transaction success rate
  - Scalable to process millions of transactions per month on a real time basis
  - In-house dedicated helpdesk to resolve queriesb. POS
  - Avoid hassles of cash &cheque collection & management
  - POS, mPOS, GPRS variants available
  - Low on-boardingtime

II. Bulk Payments
I. e-Banking solutions (E-Net)-Online platform for bulk remittances within and outside the bank
II. Salary/Vendor payments –An integrated platform to make bulk payments to your
employees/vendors

III. Tax Payments
Designated bank to collect Direct & indirect taxes

I have an existing bank account with other Bank. Can I still open SmartUp Current Account?

Yes, provided startup is meeting the criteria of date of incorporation / registration of business should not be more than five years from date of account opening.

I am not a technology Start-up. Can I still open SmartUp Current Account?

Yes you can. This product caters to all start-ups with an innovative business idea.

Do I get access to all the services offered under Smartup programme once I start banking with HDFC BANK?

Access to some of the services will depend on the size of the banking relationship

Merchant Advantage Plus Current Account (Sourcing discontinued eff. 31-10-2018)

Can I access my Merchant Advantage Plus Current Account from any HDFC Bank branch?

Yes. The advanced technology of our systems provides you with the flexibility of accessing your account from any HDFC Bank branch.

With Merchant Plus Current Account can I make payments to my suppliers at HDFC Bank Branches through Single Cheque Book?

Yes. When you open an account, you will be issued an at-par cheque book, which is payable at HDFC Bank branches.

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

How is a Merchant Advantage Plus Current Account different from a Regular Current Account offered by most banks?

A Merchant Advantage Plus Current Account offers you the following privileges:

Free limit for cash deposits up to four times the amount swiped at the HDFC Bank EDC machine linked to your Merchant Advantage Plus Current Account
Free and faster collection of outstation cheques at HDFC Bank locations
Free RTGS and NEFT transactions
Free BillPay and InstaAlerts
Free Regular and Business Debit Cards

These privileges make a Merchant Advantage Plus Current account different from a Regular Current account.

How is a Merchant Advantage Plus Current Account different from a Regular Current Account offered by most banks?

A Merchant Advantage Plus Current Account offers you the following privileges:

Free limit for cash deposits up to four times the amount swiped at the HDFC Bank EDC machine linked to your Merchant Advantage Plus Current Account
Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 Lakhs per month
Free and faster collection of outstation cheques at HDFC Bank locations
Free RTGS and NEFT transactions
Free BillPay and InstaAlerts
Free Regular and Business Debit Cards

These privileges make a Merchant Advantage Plus Current account different from a Regular Current account.

What is the minimum Average Monthly Balance I have to maintain with a Merchant Advantage Plus Current Account?

You have to maintain a minimum Average Monthly Balance (AMB) of Rs. 1,00,000 with your Merchant Advantage Plus Current account.

Merchant Advantage Current Account (Sourcing discontinued eff. 31-10-2018)

Must I open an account in each location where I have my company office?

No. As a Premium Current Account holder you have the advantage of a single account, multi-location banking facility.

What is the minimum Average Monthly Balance required if I have a Merchant Advantage Current Account?

You have to maintain a minimum Average Monthly Balance (AMB) of Rs. 25,000.

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

Must I open an Merchant Advantage Current Account in each location where I have my company office?

No. A Merchant Advantage Current Account gives you the advantage of a single account with multi-location banking.

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

Flexi Current Account (Sourcing discontinued eff. 31-10-2018)

What is the initial deposit amount required to open the Flexi Account?

The initial deposit amount to open a Flexi Current account is Rs.75,000.

What should I do in case I am unable to access my Company's Current Account using NetBanking?

If you are unable to access your company account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account.

While opening Accounts of Companies, separate Customer IDs are created in name of the Company as well as each of the Authorized Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Company's Account. However, we regret our inability to disclose the appropriate Customer ID on an unsecure e-mail and request you to contact our nearest Branch or PhoneBanking Center for this.

For more details, Contact Us

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

How is a Flexi Current account different from a regular current account?

The Flexi account includes the following privileges:

Flexibility of higher cash deposits (home location) and transactions anywhere (payments, collections and funds transfers), limits during peak seasons, since these are based on the Average Monthly Balance (AMB) maintained in the account.
Calculation of free transaction limits based on balances maintained in the transaction month, leading to a high level of customization in tune with current business requirements. For example, if your season starts in November, you get a transaction limit based on the balance maintained by you in November, and not in October or September.
Low minimum balance requirement of Rs. 75,000 per month.
Competitive pricing on and faster Collection of Outstation Cheques.
Up to 40 free Pay Orders and 40 free Demand Drafts per month.
Free RTGS and NEFT Transactions.

These privileges make a Flexi Current account different from a Regular Current account.

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

What transactions are included as a part of the Free Anywhere Transactions limit for a month?

The following transactions together comprise part of the Free Anywhere Transaction Limit:

Cheques deposited into the account in other cities (in local clearing / within Bank)
Inter-city payable-at-par cheques issued.
Inter-city account to account funds transfers (Cheque Payments & Collections) within HDFC Bank Accounts.

How much cash can I deposit per month in my home branch, without being charged?

The free cash deposit limit at your home branch depends on the AMB you have maintained during the transaction month. This free limit is calculated as 10 times the actual AMB maintained during the transaction month or 50 transactions per month, whichever is less. In case you make more than 50 transactions or your cash deposits are more than 10 times your AMB at your home branch, you will have to pay a charge of Rs. 3 per Rs. 1,000, subject to a minimum of Rs. 50 (excluding taxes).

If I maintain	I get Monthly Free	If I utilize	I am Charged
Average Monthly Balance (AMB) in Rs.	Home Location Cash Deposit in Rs. (Subject to maximum of 50 transactions)	Actual Home Location Cash Deposit in Rs.	Rs. (excluding 12.36% Service Tax & Education Cess)
50,000	5,00,000	7,50,000	1,750 (750 + 1000**)
75,000	7,50,000	11,00,000	1,050
1,00,000	10,00,000	9,50,000	Nil
2,21,103*	22,11,000*	20,00,000	Nil
3,00,000	30,00,000	37,00,000	2,100
5,00,000	50,00,000	45,00,000	Nil
10,00,000	1,00,00,000	60,00,000	Nil

*The Home Location Cash Deposit Free limit is rounded off to the nearest thousand

** AMB non-maintenance charges

Can I access my account from any HDFC Bank branch?

Yes. All HDFC Bank branches and systems are interconnected by state-of-the-art technology and allow access at all times.

What is the minimum balance that I need to maintain in a Flexi Current Account?

You have to maintain an Average Monthly Balance (AMB) of Rs. 75,000 in a Flexi Current account. If you are unable to maintain the AMB you will be have to pay a charge of Rs. 1,000 for the month in which the AMB has not been maintained.

Regular Current Account

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

How do I become eligible for an HDFC Bank Regular Current Account?

If the Average Quarterly Balance (AQB) in your Current Account is over Rs.10,000 you are eligible to enjoy the benefits of a Regular Current Account.

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

Must I open Regular Current account in each location where I have my company office?

No. As a Regular Current account holder you have the advantage of single account, multi-location banking.

Premium Current Account

What should I do in case I am unable to access my Company's Current Account?

If you are unable to access your company’s Current Account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account.

While opening Accounts of Companies, separate Customer IDs are created in the name of the Company as well as each of the Authorized Signatory(ies). The Authorised Signatory(ies) is distinct and has to be used to access NetBanking for the Company’s Account.
For more details, Contact Us

What transactions are included as a part of the free inter-city clearing limit?

The following transactions comprise part of the free Inter-city clearing Limit:

Cheques deposited into your account in other cities (in Local Clearing/within Bank)
Inter-city payable-at-par cheque issuances

How is HDFC Bank Premium CA different from a regular CA offered by most banks?

An HDFC Bank Premium Current Account offers you a host of features that sets it apart from any regular Current Accounts that most banks offer.
These features are:

Free Intercity Clearing between HDFC Bank Branch Locations
Up to 100 free payable-at-par cheque leaves per month

Must I open Premium Current account in each location where I have my company office?

No. As a Premium Current account holder you have the advantage of a single account, multi-location banking facility.

Can I access my Premium Current Account from any HDFC Bank branch?

Yes, you can. Our advanced technology provides you with the flexibility of accessing your account from any of our branches.

With Premium Current Account can I make payments to my suppliers at HDFC Bank Branches through Single Cheque Book?

Yes. When you open an account, you will be issued an at-par cheque book, which is payable at all our branches.

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

What are included in Bulk Transactions?

Bulk transactions include:

Local Clearing Transactions
Anywhere Clearing Transactions
Local Fund Transfer Transactions
Anywhere Fund Transfer Transactions,

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

ULTIMA Current Account (Sourcing discontinued eff. 01-08-2019)

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

Can I access my account from any HDFC Bank branch?

Yes. All HDFC Bank branches and systems are interconnected by state-of-the-art technology and allow access at all times.

Can I make payments to my suppliers at HDFC Bank branches through a single cheque book?

Yes. When you open an account, you will be issued an at-par cheque book, which is payable at all our branches.

Is it necessary to open Ultima Current Account in each location where my company has an office?

No. With an Ultima Current Account, you enjoy the advantage of a single account with multi-location banking.

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

  -  Access your account details
  -  Request account statements
  -  Make Fixed Deposit related queries
  -  Inquire about interest and FX rates
  -  Request a cash delivery or pick-up
  -  Order a new cheque book

How is an Ultima Current account different from a Regular Current Account?

An Ultima Current account includes the following privileges:

  -  Higher free limit of Rs. 2Cr per month for cash deposits at your home branch
  -  Unlimited free clearing transactions anywhere for payments and collections
  -  Free and faster collection of outstation cheque at HDFC Bank locations
  -  Free Demand Drafts and Pay Orders
  -  Free RTGS and NEFT transactions
  -  Free BillPay and InstaAlerts
  -  Free Business Debit Card

What is the minimum balance required for an Ultima Current account?

You need to maintain an Average Quarterly Balance (AQB) of Rs. 20,00,000 in your Ultima Current account.

What transactions are included as a part of the Free Anywhere Transactions limit for a month?

The following transactions comprise part of the Free Anywhere Transaction limit:

- Cheque deposited into the account in other cities (in local clearing)
- Inter-city Payable-at-Par cheque issuance

What should I do in case I am unable to access my Company's Current Account through Net Banking?

If you are unable to access your company account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account.

While opening Accounts of Companies, separate Customer IDs are created in name of the Company as well as each of the Authorised Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Company's Account. However, we regret our inability to disclose the appropriate Customer ID on an unsecure e-mail and request you to contact our nearest Branch or PhoneBanking Center for this.

For more details, Contact Us

Max Current Account (Sourcing discontinued eff. 01-08-2019)

What transactions are included as a part of the Free Anywhere Transactions limit for a month?

The following transactions comprise part of the Free Anywhere Transaction Limit:

Cheque deposited into the account in other cities (in local clearing)
Inter-city payable-at-par cheques issued

Can I make payments to my suppliers at HDFC Bank branches through a single cheque book?

Yes. When you open an account, you will be issued an at-par cheque book, which is payable at all our branches.

What should I do in case I am unable to access my Company's Current Account through Net Banking?

If you are unable to access your company account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account.

For more details, Contact Us

Is it necessary to open Max Current Account in each location where my company has an office?

No. With your Max Current account you enjoy the advantage of single account with multi-location banking.

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

What is the initial deposit amount required to open a Max Current account?

You need an initial deposit of Rs. 5,00,000 to open a Max Current account.

What is the minimum balance that I need to maintain in a Max Current Account?

You need to maintain an Average Quarterly Balance of Rs. 5,00,000 in your Max Current account.

Can I access my account from any HDFC Bank branch?

Yes. All HDFC Bank branches and systems are interconnected by state-of-the-art technology and allow access at all times.

How is HDFC Bank's Max Current account different from a regular Current Account?

Your Max Current account includes the following privileges:

Combined free limit of 60 Lacs per month at home and Non- Home Locations.
Free and faster collection of outstation cheques at HDFC Bank locations
Free Demand Drafts and Pay Orders
Free RTGS and NEFT transactions
Free BillPay & InstaAlerts
Free Business Debit Card

This makes a Max Current account different from a regular Current account.

Apex Current Account Apex (Sourcing discontinued eff. 01-08-2019)

What is the minimum balance required for an Apex Current account?

You need to maintain an Average Quarterly Balance (AQB) of Rs. 10,00,000 in your Apex Current account.

Can I access my account from any HDFC Bank branch?

Yes. All HDFC Bank branches and systems are interconnected by state-of-the-art technology and allow access at all times.

Is it necessary to open Apex Current Account in each location where my company has an office?

No. With a Apex Current Account, you enjoy the advantage of a single account with multi-location banking.

Can I make payments to my suppliers at HDFC Bank branches through a single cheque book?

Yes. When you open an account, you will be issued an at-par cheque book, which is payable at all our branches.

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed
Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months
Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted
Documents for establishing photo identity of authorised partners/signatories

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

What should I do in case I am unable to access my Company's Current Account through Net Banking?

If you are unable to access your company account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account.

For more details, Contact Us

How is an Apex Current account different from a regular Current Account?

An Apex Current account includes the following privileges:

Higher free limit of Rs. 120 Lakhs per month for cash deposits at your home branch
Unlimited free clearing transactions anywhere for payments and collections
Free and faster collection of outstation cheques at HDFC Bank locations
Free Demand Drafts and Pay Orders
Free RTGS and NEFT transactions
Free BillPay and InstaAlerts
Free Business Debit Card

These features make an Apex Current account different from a regular Current account.

What transactions are included as a part of the Free Anywhere Transactions limit for a month?

The following transactions comprise part of the Free Anywhere Transaction limit:

Cheque deposited into the account in other cities (in local clearing)
Inter-city Payable-at-Par cheque issuance.

Plus Current Account

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed

Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months

Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted

Documents for establishing photo identity of authorised partners/signatories

Trade Current Account (Sourcing discontinued eff. 01-08-2019)

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed

Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months

Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted

Documents for establishing photo identity of authorised partners/signatories

Current Account for Professionals

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed

Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months

Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted

Documents for establishing photo identity of authorised partners/signatories

Current Account for Hospitals and Nursing Homes (Sourcing discontinued eff. 31-10-2018)

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed

Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months

Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted

Documents for establishing photo identity of authorised partners/signatories

Agri Current Account

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed

Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months

Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted

Documents for establishing photo identity of authorised partners/signatories

EZEE Current Account (Sourcing discontinued eff. 01-08-2019)

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed

Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months

Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted

Documents for establishing photo identity of authorised partners/signatories

Supreme Current Account (Sourcing discontinued eff. 01-08-2019)

What are the documents required for opening a Current Account of a partnership firm?

Following documents are required for opening a Current Account of a partnership firm:

Latest Partnership Deed

Documents establishing proof of existence
  -  Certificate of Registration under any Statute/Act or professional bodies
  -  Registration Certificate issued by Registrar of Firms
  -  Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate)
  -  PAN Card in the name of the firm;
  -  Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months

Documents for establishing proof of address
  -  Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening)
  -  Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered
  -  Latest property tax or water tax paid receipt/bill raised in the name of the firm
  -  TAN Allotment Letter in the name of the firm
  -  Existing bank account statement or passbook of a PSU/private sector/foreign bank
  -  Statement not older than 4 months from the date of account opening to be accepted

Documents for establishing photo identity of authorised partners/signatories

Government/Institutional Current Account

What are the minimum docs required to open a Institutional current account?

Non-individual (Current account) AOD to be completed
Registration proof with any state regulatory authority OR
Certificate of Registration with the Local Charities Commissioner (for charitable trusts)
Certified Copy of the Trust Deed / Bye-laws /MOA /Constitution
Proof of address of the institute
Certified Copy of the Resolution from Board of Trustees defining who is going to be the authorized signatories in the account / authorizing the opening & conduct of the account
Proof of appointment of present Trustees/Governing Body members in case they are not listed in the Trust Deed/Bye-laws
Pan Card/Form 60/No Pan declaration as may be applicable
FCRA declaration
Beneficial Ownership declaration (only for Trusts & Association of Persons)
Photograph & proof of identity of all authorized signatories

How is an Institutional Current Account different from a Regular Current Account?

An Institutional Current Account includes the following privileges:

Free limit of Rs. 50 Lakhs per month for cash deposits at your home branch
Free and faster collection of outstation cheques at HDFC Bank locations
Free Demand Drafts and Pay Orders
Free RTGS and NEFT Collections and upto 25 transactions free for NEFT/RTGS payments.
Free BillPay and InstaAlerts
Free Business Debit Card

These features make an Institutional Current Account different from a Regular Current account.

What should I do in case I am unable to access my Institutional Current Account through Net Banking?

If you are unable to access you Institutional account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account. While opening Accounts of Institutes, separate Customer IDs are created in the name of the Institute, as well as each Authorised Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Institutes Account. However, since we do not disclose the Institutes Customer ID on an unsecure e-mail, the Institute will have to contact their nearest Branch or PhoneBanking Center for this. For more details, Contact Us

Can I access my account from any HDFC Bank branch?

Yes. All HDFC Bank branches and systems are interconnected by state-of-the-art technology and allow access at all times.

Must I open Institutional Current Account in each location where I have my company office?

No. As a Institutional Current Account holder you have the advantage of single account, multi-location banking.

What is the minimum balance required for an Institutional Current Account ?

No minimum balance requirement.

How do I become eligible for an HDFC Bank Institutional Current Account ?

To become eligible for an HDFC Bank Institutional Current Account you belong to one of the eligibility criteria mentioned above.

Can I access my account by telephone to conduct routine daily transactions?

Yes you can. You can use PhoneBanking to perform the following operations:

Access your account details
Request account statements
Make Fixed Deposit related queries
Inquire about interest and FX rates
Request a cash delivery or pick-up
Order a new cheque book

Is it necessary to open Institutional Current Account in each location where my company has an office?

No. With a Institutional Current Account , you enjoy the advantage of a single account with multi-location banking.

What transactions are included as a part of the Free Anywhere Transactions limit for a month?

The following transactions comprise part of the Free Anywhere Transaction limit:

Cheque deposited into the account in other cities (in local clearing)
Inter-city Payable-at-Par cheque issuance.

Can I make payments to my suppliers at HDFC Bank branches through a single cheque book?

Yes. When you open an account, you will be issued an at-par cheque book, which is payable at all our branches.

What are the minimum docs required to open an Institutional current account

Non-individual (Current account) AOD to be completed
Registration proof with any state regulatory authority OR
Certificate of Registration with the Local Charities Commissioner (for charitable trusts)
Certified Copy of the Trust Deed / Bye-laws /MOA /Constitution
Proof of address of the institute
Certified Copy of the Resolution from Board of Trustees defining who is going to be the authorized signatories in the account / authorizing the opening & conduct of the account
Proof of appointment of present Trustees/Governing Body members in case they are not listed in the Trust Deed/Bye-laws
Pan Card/Form 60/No Pan declaration as may be applicable
FCRA declaration
Beneficial Ownership declaration (only for Trusts & Association of Persons)
Photograph & proof of identity of all authorized signatories

Can I get a Debit Card linked to my Institutional Savings Account?

This is because the combined - ATM & POS - per day limit on the Business Debit Card is Rs.1.25 lakh.

Do we open Society Accounts in the bank?

Institutions Accounts can be opened for trusts, societies, associations and clubs can be opened.

Rural Accounts

All Rural Accounts

What are the charges for collection of outstation cheques?

To know the charges for collection of cheques levied in your account, click here to view the current schedule of charges. Kindly check under the following headings:

Collection of outstation cheques - Our Bank Locations
Collection of outstation cheques - Other Locations

These charges attract a Service Tax and an Educational Cess as applicable in terms of the current Finance Bill.

What is the time taken to realize outstation cheques?

The indicative time taken for the realization of outstation cheques is given below:

Cheques drawn where HDFC Bank has a branch, credit will be given on receipt of clear funds in:

Main metro locations (Mumbai, Chennai, Kolkata, New Delhi): 7 working days
Metro centers and state capitals (other than those of North Eastern states and Sikkim): Maximum period of 10 working days.
In all other centres where we have branches: maximum period of 14 working days.

Cheques drawn on non-branch locations where we have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days

Cheques drawn on non-branch locations where we do not have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days

For more details on the outstation cheque collection policy, click here. For other queries, Contact Us.

Basic Savings Bank Deposit Account - Farmers

How do I know my beneficiary's details for a cheque issued in my name (Basic Savings Bank Deposit Account - Farmers)?

To know your beneficiary’s details for a cheque issued by you / issuer name for a cheque credited in your account, please contact any of our bank branches.

You can refer the cheque deposit slip also for the details.

To know about Service charges and fees click here.

For more details, Contact Us.

How can I get an International Debit Card with my Basic Savings Bank Deposit Account - Farmers?

You can get an International Debit Card only on request at the branch @ Rs. 100 p.a. (plus applicable taxes) for each applicant.

What can I do with the NEFT facility?

You can use the NEFT facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI.

Are all IVR based calls free?

Yes, all IVR based PhoneBanking services are available free of cost. However agent assisted calls will be charged.

How do I apply for a Basic Savings Bank Deposit Account - Farmers with HDFC Bank?

To apply for a Basic Savings Bank Deposit Account - Farmers with HDFC Bank, you need to choose from the following:

1. Requesting a Bank representative to contact you.
Fill in your details here and our representative will get in touch with you shortly.

2. Download an application form

Once you have downloaded the form, you just need to follow the steps mentioned below:

Print and fill-in the application form.
Attach the required documents. Click here to see the documents required.
Submit the documents at any of our branches. Click here to find a branch near you.

Please allow us a week's time to revert on your application.

Kisan Club Savings account

How do I know my beneficiary's details for a cheque issued in my name (Kisan Club Savings account)?

To know your beneficiary’s details for a cheque issued by you / issuer name for a cheque credited in your account, please contact any of our bank branches.

To know about Service charges and fees click here.

For more details, Contact Us.

Pension Accounts

All Pension Accounts

Can you covert your existing saving account into a pension account?

Yes. You just have to submit an undertaking and submit the required documents.

Any minimum Balance need to be maintained in the account?

No minimum balance need to be maintained as these are Zero balance accounts.

When can we open pension accounts?

You can open pension account 6 months prior to your date of retirement.

Is nomination required in the account?

Nomination is mandatory in the account.

Can a pension account be opened jointly?

Pension account can be opened jointly with spouse only.

Public Provident Fund

What is PPF?
PPF is a saving and tax savings scheme that was introduced by the Government of India in 1968. It is fully guaranteed by the government and hence carries zero risk. The interest rates are attractive and there are tax benefits too. All in all, it’s an excellent investment for the small investor and those who want to save on tax.

What is PPF investment?
There are many advantages to PPF investment. Firstly, it generally offers slightly higher interest rates than fixed deposits of banks. Secondly, it is much more secure than any other comparable fixed income instrument available in the market today. Thirdly, interest earned on a PPF scheme is exempt from tax. Four, you can deduct the invested amount from your taxable income, thus paying lower taxes.

How is PPF better than deposits in nationalised banks?
Well, it’s a far better investment option than nationalised bank deposits because it is backed by the Government of India, so is risk-free. The interest rates too are slightly higher than those offered by bank fixed deposits, and since interest on PPF is tax free, the actual returns are going to be much higher. And the amount invested also reduces your taxable income. Of course, the disadvantage is that your PPF deposits will be locked in for 15 years.

How can we get tax benefit on PPF investment?
PPF is a popular among investors because of its significant tax advantages. Any interest that you have earned from a PPF account is exempt from tax. Besides that, any sum that you invest in PPF is also deducted from your taxable income, up to a maximum of Rs 1.5 lakh. That is, if you have an income of Rs 10 lakh per annum and invest Rs 1.5 lakh in PPF, your taxable income will be only Rs 8.5 lakh. You could save as much as Rs 30,000 in income tax alone!

What is the minimum amount to be deposited in a PPF account every year?
You have to deposit of a minimum of Rs 500 and a maximum of Rs 1.5 lakh in a financial year. If this amount is not deposited, the account will the deactivated. To activate the account again, you have to pay a penalty Rs 50 and deposit Rs 500 for each inactive year.

What are the benefits of PPF?
There are several. It is risk free since it is backed by the Government of India, there is a tax benefit on both the interest earned and the principal invested, and the rate of interest is a little higher than bank fixed deposits.

What are the disadvantages of PPF?
The biggest disadvantage of a PPF scheme is the lack of liquidity since your money will be locked in for 15 years. However there is a facility to avail of loans from your PPF account after a few years. You can also withdraw a part of the accrued sum prematurely from the start of the seventh financial year.

Can a housewife open a PPF account?
She most certainly can. Any resident Indian can open a PPF account.

How many PPF accounts can one have?
You can open only one PPF account in your name. But you can open an account for your spouse, and in the name of your minor children. However, only one spouse can open an account in the name of a minor child. But you must remember that amount invested per year by you and your children cannot exceed Rs 1.5 lakh a year.

What is the minimum age for opening a PPF account?
You have to be over 18 to open a PPF account. However, parents can open PPF accounts in the names of children, and operate accounts as their guardians until they reach the age of 18.

Can unemployed person open PPF account?
Yes, an unemployed person can open a PPF account. In fact any resident Indian can open an account.

Can we withdraw money from PPF account?
A PPF account has a tenure of 15 years, which means your funds will be locked in for that duration. However, you can avail of a loan facility between the third and sixth financial years. The loan is available for up to 25% of the amount in your account. The interest on the loan will be the PPF interest rate (8% now) plus 2%. You can also make a partial withdrawal every year from the seventh year onwards. This is subject to a cap of 50% of the total balance at the end of the fourth year immediately preceding the year of withdrawal, or the year immediately preceding the year of withdrawal, whichever is lower. Partial withdrawals are tax free too.

Can I deposit more than 1.5 lakh in PPF?
No you can’t. The maximum you can invest in a PPF scheme is Rs 1.5 lakh per annum.

Can PPF account be closed before 15 years?
Yes, you can close the PPF account before the 15-year period, but only under specific conditions. For instance, if the money is needed for higher education of minor account holders and medical treatment for serious life-threatening diseases of the account holder, his or her spouse, children or parents. However, you have to pay a penalty – you will get 1% less interest on the amount.

Can I close my PPF account after 5 years?
Yes, you can, but only under the conditions mentioned above, like medical treatment for yourself or your family members or higher education of minor account holders.

What is the minimum lock in period for PPF account?
The minimum lock-in period for a PPF account is 15 years. However, if you want to extend the tenure for a slightly longer period, it can be done. You can extend the accounts for blocks of five years. You can withdraw up to 60% of the balance at the beginning of each block.

Is PPF safe?

Since PPF is backed by the Government of India, you can be sure that it is risk-free, and you will be able to get back the invested amount without any problems.

Can I have two PPF accounts?
An individual is allowed to open only one account. However, you can open accounts in the names of your minor children.

Is PPF a good investment?
PPF is an excellent investment for investors who are looking for high safety and stable returns. No other investment avenue offers this combination of low risk and returns. Plus, the tax benefits are also very attractive.

Sukanya Samridhi Account

What is the Sukanya Samriddhi Yojana (SSY) scheme?

The SSY scheme was launched by the central government under its `BetiBachao, BetiPadhao’ campaign. The fund was established as a way to enable parents to fund the education of the girl child and/ or for her marriage expenses.

What is the age limit for Sukanya Samriddhi Yojana?

The girl child will have to be under 10 years of age. The SSY scheme will continue until she turns 21, or till she is married, whichever is earlier.

Where we can open a Sukanya Samriddhi account?
The account can be opened in any post office or any branch of authorized banks, including HDFC Bank

What are the benefits of Sukanya Samriddhi accounts?

There are multiple benefits of investing in this scheme. One, the parents/ guardians will have a sizeable corpus for the girl’s future. Two, interest rates are very attractive, higher than Public Provident Fund (PPF) or bank fixed deposits. Third, interest on the scheme is tax free. Fourth, the amount invested in the scheme is deducted from your taxable income up to a limit of Rs 1.5 lakh under Section 80C.

Can I deposit more than Rs 1.5 lakh in Sukanya Samriddhi Yojana?

No, you can’t. The minimum amount you can invest in Sukanya Samriddhi Yojana is Rs 1,000 and the maximum is Rs 1.5 lakh a year.

Is interest on Sukanya Samriddhi Yojana account taxable?

The interest on the scheme is exempt from tax. There’s also another tax benefit – the principal is also eligible for exemption under Section 80C of the Income-Tax Act up to a limit of Rs 1.5 lakh. That is, if your income is Rs 10 lakh a year and you invest Rs 1.5 lakh in the scheme, your taxable income will be Rs 8.5 lakh. That could mean a saving of Rs 30,000 on income tax in a year.

Who is eligible for Sukanya Samriddhischeme?

The scheme has been set up with the objective of ensuring that parents have a pool of funds to educate the girl child and/ or to meet her wedding expenses. Any parent or legal guardian of a girl child under 10 years of age is eligible to open a Sukanya Samriddhi Yojana account.

Can I make online deposits into the Sukanya Samriddhischeme?

Yes, many banks like HDFC Bank offer the online deposit facility. You can transfer funds online from linked saving accounts. If you like, you can leave standing instructions with your bank to transfer funds at specified intervals from your savings account to the Sukanya Samriddhi account.

What is the interest rate of Sukanya Samriddhi Yojana?

The interest rate on the SSY scheme will be notified by the Ministry of Finance from time to time.

What documents are required for a Sukanya SamriddhiYojana?

Here are the Sukanya Samriddhi Yojana details about documents are needed to open an account: birth certificate of the girl child, identity and residence proof of the guardian (PAN card, driver’s licence, Aadhaar card or passport). The SSY account can be opened for two girls, and three if there are twins. So if there are twins, you’ll need a medical certificate as proof.

Is the Sukanya Samriddhischeme tax free on maturity?

All proceeds received on maturity of the SSY scheme are tax free.

Can we withdraw money from Sukanya Samriddhi account?

The tenure of the SSY scheme lasts until the girl beneficiary reaches the age of 21 or her marriage, whichever is earlier. Premature withdrawal or closure can be done if the girl is to be married at the age of 18 or above, if the girl child passes away, death of guardian or medical emergencies.

Deposits

All Deposits

Do I need to pay any penalty on premature closure of Fixed Deposits?

As per the Terms & Conditions of Fixed Deposit Accounts of the bank, the penalty on premature closure of Fixed Deposits, including sweep-in and partial closures, has been fixed by the Bank at the rate of 1% of the fixed deposit interest rate. This is applicable with effect from 24th January, 2011.

Where can I get Fixed Deposit advice from?

You can now download Fixed Deposit advice through Netbanking in pdf format.

With effect from July 13th, 2009 we’ve started sending Fixed Deposit advice over e-mail for Fixed Deposits booked through NetBanking. Physical advice has been discontinued for Fixed Deposits booked through NetBanking.

An electronic mail advice is sent to you on your registered e-mail ID within 2-3 working days from the date of booking. You will need to enter the primary Customer Identification Number as a password to open the attachment.

If you are registered for e-mail statements, Fixed Deposit advice will be sent to your e-mail ID registered with the Bank. This is applicable for all Fixed Deposit booked / renewed through any mode whether Branch, PhoneBanking or NetBanking. Physical advice is discontinued.

In case you do not receive the advice on your e-mail, we request you to check your Spam / Junk folder.

Please Note:

At any point, if you wish to check your Fixed Deposit holdings, they can be viewed on the Fixed Deposit summary page on NetBanking.
In case your e-mail id is not updated with the bank, you are requested to contact the nearest branch and update your e-mail ID.
In case you wish to have a physical advice, you may walk into the nearest HDFC bank branch.
A copy of the e-mail advice may be submitted to the branch in case of premature liquidation of the deposit. The e-mail advice copy is as acceptable at our branches as the physical advice.

Why is the principal amount and the fixed deposit maturity amount of my Fixed Deposit the same?

When your Fixed Deposit is booked with the quarterly / monthly interest pay out option, the maturity amount is the same as the principal amount. The interest amount will be credited to your account at quarterly / monthly intervals.

Does HDFC Bank offer preferential rate of interest on Fixed Deposits for Senior Citizens?

We offer preferential rate of interest on Fixed Deposits for Senior Citizens. If you are a senior citizen, all you need to do is register as one by calling any Branch with proof of your Date of Birth. Once registered as a Senior Citizen, you are eligible for preferential rates of interest on Fixed Deposits opened through NetBanking as well.

Click here to Interest Rates on Fixed Deposits.

The Fixed Deposit will be booked in the same combination/ order of names as the existing Current/Savings account, from which the funds are being transferred.

Where can I register for HDFC Bank’s NetBanking facility?

In case you are not registered for the NetBanking facility, we request you to visit the following URL. Click here for how to register:

How can I book a Fixed Deposit through NetBanking?

You can book Fixed Deposits through NetBanking provided:

You have registered for the facility with necessary online financial transaction rights
Your PAN number is updated under your Customer Identification Number in Bank's records

The following are the steps required to book your Fixed Deposit online:

Access your NetBanking account with your Customer ID and IPIN (NetBanking Password)
Select "Open New Fixed Deposit" option under the Fixed Deposit menu from the Menu bar located on the left hand side of the web page
Select the desired values from the Drop-down lists
Once complete, click on "Continue" and "Confirm" the details entered

A new web page, confirming the Fixed Deposit booking, will be displayed. Physical advice will not be sent for Fixed Deposits booked through Net Banking. An electronic mail advice will be sent to you on your registered e-mail ID within 2 working days. The password for your Fixed Deposit Advice will be your Customer ID.

At any point, if you wish to check your Fixed Deposit holdings, the same may be viewed on the Fixed Deposit summary page on Net banking. In case you want physical advice, you may walk into your nearest HDFC bank branch.

I have made a Fixed Deposit with HDFC Bank. I want to update my PAN details in the account, how should I update my new PAN details?

Customer's can now update PAN details through net banking, if they are registered for the same Or by submitting the request along with a copy of the PAN at the nearest branch.

What is the time taken to realize outstation cheques?

The indicative time taken for the realization of outstation cheques is given below:

Cheques drawn where HDFC Bank has a branch, credit will be given on receipt of clear funds in:
- Main metro locations (Mumbai, Chennai, Kolkata, New Delhi): 7 working days
- Metro centers and state capitals (other than those of North Eastern states and Sikkim): Maximum period of 10 working days.
- In all other centres where we have branches: maximum period of 14 working days.
Cheques drawn on non-branch locations where we have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days
Cheques drawn on non-branch locations where we do not have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days

For more details on the outstation cheque collection policy, click here. For other queries, Contact Us.

Whom should I approach for any other service related to HDFC Bank Fixed Deposits?

For any other service related to Fixed Deposits (Supersaver or Sweep-In Facility, addition of Nominee, Change in Maturity Instructions, Premature Encashment etc.) you may approach the nearest HDFC Bank Branch with the Fixed Deposit advice and the request Form duly signed by all account holders.

How can I avail exemption from TDS on interest earned on Fixed Deposits?

To avail exemption from TDS on interest earned on Fixed Deposits, please submit a completed Form 15H (for Senior citizens) or Form 15G (for Regular customers) at any nearest HDFC Bank Branch (Form available on the website).

How can I prematurely liquidate my Fixed Deposits?

We request you to submit your Fixed Deposit advice, duly discharged by all account holders, at the nearest branch for premature liquidation of your fixed deposit. In the absence of your Fixed Deposit advice, you need to submit the attached Fixed Deposit Liquidation form.

Visit a branch or call us You may visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers.
NetBanking Alternatively, you can liquidate your Fixed Deposits through NetBanking. This facility is available to Fixed Deposits held under "Sole Owner (SOW)" relationship only.
- Access your NetBanking account with your Customer ID and IPIN (NetBanking Password)
- Select the “Liquidate Fixed Deposit " option under the Fixed Deposit menu from the Menu bar located on the left hand side of the web page
- Select the Fixed Deposit account number from the Drop-down lists
- Once complete, click on "Continue" and "Confirm" the details entered
- A new web page, confirming the Liquidating Fixed Deposit will be displayed.
- This facility is available on NetBanking only to customers having Account and Fixed Deposit in Sole Name
The following are the steps required to liquidate your Fixed Deposit online:
Further, kindly note that:
- Fixed deposits booked through branch can also be liquidated on NetBanking provided the FD is held with Sole Owner Relationship
- Fixed Deposits in the name of Non-individuals are not allowed for liquidation through NetBanking.
Additional Information - As per current policy of the bank on premature liquidation, the interest rate applicable for premature closure of deposits (all amounts) will be the lower of:
- The base rate for the original/contracted tenure for which the deposit has been booked OR
- The base rate applicable for the tenure for which the deposit has been in force with the Bank.

# the base rate is the rate applicable to deposits of less than Rs.15 Lakhs as on the date of booking the deposit.

Further to the Terms & Conditions of Fixed Deposit Accounts of the Bank, the penalty on premature closure of Fixed Deposits including sweep-in and partial closures has been fixed by the Bank at the rate of 1%. This is applicable for all deposits booked on or after 24th January 2011.

Regular Fixed Deposit

How to Download TDS Certificate through Online?

Please note you can now download the TDS certificate from Netbanking Accounts Module ,Go to Request section click on "TDS Inquiry". We request you to follow the below mentioned process :

Log in into NetBanking through the Customer ID and NetBanking Password (IPIN).
Select "TDS Inquiry" under the "Request" option on the left hand pane.
Select the Financial Year and Quarter for which the certificate is required.
Click on Continue and confirm.

Additional information:-

Currently, TDS Certificate for the Quarter 1 , Quarter 2, Quarter 3 AND Quarter 4 are available.
TDS certificates will be available only if PAN is updated and there is a tax deduction in the financial quarter.
TDS certificate will be in PDF Format.

How to change existing fixed deposit account tenure?

We regret to inform you that tenure selected for the fixed deposit account cannot be changed once the account is opened. In this case we suggest that you can close your existing fixed deposit account and open a new account with a desired tenure.

How is TDS deducted?

Check the deduction rates below:

	Tax Rate	Surcharge	Education Cess	TOTAL
Resident Individuals & HUF	10%	----	----	10%
Corporate Entity	10%	----	----	10%
NRO	30%	----	3%	30.90%
Firms	10%	----	----	10%
Co-operative Societies & Local Authority	10%	----	----	10%

Can TDS be recovered from my principle of the FD?

If the interest amount is not sufficient to recover TDS, the amount is taken from the principal of the deposit.

When does the Bank issue a TDS Certificate?

The TDS Certificate, Form 16A, for TDS deducted during a calendar quarter, will be issued in the next month of the respective quarter.

Can TDS influence the maturity of my deposit?

Yes, in case of reinvestment deposits ,the interest reinvested is post TDS recovery & hence the maturity amount for re-investment deposits would very to the extent of tax and compounding effect on tax for the period subsequent of deduction till maturity.

What are the implications of booking an FD without PAN?

In the absence of PAN, following are the implications for customers:

TDS will be recovered at 20%(as against 10%)
NO TDS credit from the Income Tax department
NO TDS certificate will be issued (As per CBDT circular no:03/11)
Form 15G/H and other exemption certificates will be invalid and penal TDS will apply

Will changes to my deposit portfolio affect my TDS liability?

Yes. If the change or enhancement in your deposit portfolio earns a cumulative interest along with that of the earlier portfolio greater than Rs. 10,000/- you will be liable for TDS on your current portfolio.

Note :If interest on the current portfolio is not sufficient to cover TDS, it will be recovered from the principal.

When is TDS deducted for Regular Fixed Deposit?

TDS is deducted every time the Bank pays/re-invests interest during the Financial year.In addition TDS is also deducted on interest accrued(but not yet paid) at the end of financial year viz. 31st March.

What documents are required to open a senior citizen Regular Fixed Deposit?

While opening the account, the customer needs to provide proof of age establishing that he/she is a Senior Citizen. To accomplish this, either of the following can be submitted:

Secondary School Leaving Certificate (10th Class)
LIC Policy
Voters Identity Card
Pension Payment Order
Birth Certificate issued by the competent authority
Passport
Defence ID Card / Govt ID Card (Provided they have the cardholder's photo, signature and date of birth)
PSU Issued ID Cards
Senior Citizen Cards issued by Indian Airlines / Indian Railways
PAN Card

Can I open a joint account with a non-senior citizen for Regular Fixed Deposit?

You can, as long as the first account holder is a senior citizen.

As a Regular Fixed Deposit holder, How do I apply for an exemption on TDS?

If your total interest income for the year does not fall within the overall taxable limits, you should let us know. You can do this by submitting a form as per the provisions of the Income Tax Act.

A few things to note:

You can get the 15AA form from the Assessing Officer of the Income Tax department.
Even with the 15H/15AA form, the tax that has already been deducted by way of TDS during the year prior will not be refunded. However, you will get a certificate, which can be used while filing your tax return.
15H/15AA Forms are valid only for the financial year in which they are issued.
A fresh 15G/H form needs to be completed for each deposit that is placed with the Bank, and it should be completed within the first week of the financial year.

How to prematurely liquidate the Fixed Deposit Online?

You can liquidate your Fixed Deposits through NetBanking. This facility would be available to Fixed deposits held under "Sole Owner (SOW)" relationship only.

Following are the steps for liquidating your Fixed Deposit online:

Access your NetBanking account with your Customer ID and IPIN (NetBanking Password)
Select "Liquidate Fixed Deposit " option under the Fixed Deposit menu from the Menu bar located on the left hand side of the web page
Select the Fixed Deposit account number from the Drop-down lists
Once complete, click on "Continue" and "Confirm" the details entered
A new web page, confirming the Liquidating Fixed Deposit will be displayed.

Further, kindly note that:

Fixed Deposits in the name of Non-individuals are not allowed for liquidation through NetBanking.
Fixed deposit in the joint name cannot be liquidated online.

What is the new policy with regards to PAN to book fixed deposit with our bank?

Where the total value of Fixed deposit per customer id <= 50,000( including the new FD being booked ) No pan , & no form 60
Where the total value of fixed deposit per customer id > 50,000( including the new FD being booked) PAN required mandatorily

When do I become liable for TDS?

If the aggregate interest that you are likely to earn for all your deposits held across branches in a customer id is greater than Rs.40,000/- (Rs.50,000/- for senior citizen) in a financial year , you become liable for TDS.

Note: Tax liability for TDS purpose is determined basis per pan no and not as per branch per pan no . Deposits held by minors are also subject to TDS. The credit for the TDS can be claimed by the person in whose hands the minor's income is included.

Recurring Deposit

Is there a nomination facility?

Yes, there is a nomination facility on the Recurring Deposit account.

Is there a monthly or quarterly interest pay-out option?

Interest is paid when the Recurring Deposit account is closed, and on maturity.

Can I change the tenure and installment due date, (auto debit date) of my Recurring Deposit?

No it is not possible to change the tenure and installment due date, (auto debit date). We request you to open a new Recurring Deposit with the desired due date and tenure.

For what period can I open a Recurring Deposit?

You can open a Recurring Deposit account for a minimum period of 6 months, and thereafter in multiples of 3 months up to a maximum period of 10 years.

Can I choose my instalment date?

The date of your monthly RD installment will depend on the date you opened your RD account.

Can partial Payments be made on Recurring Deposits?

Partial payments are not possible.

What is the maximum deposit amount a Recurring Deposit account can be opened with?

Click here to view the Maximum installment amount you can open a recurring Deposit account.

What if certain RD installments are not paid?

If six consecutive installments are unpaid, the Bank reserves the right to close the RD account. The interest rate applicable on such closed accounts will be as per the premature withdrawal policy of the Bank.

How do Recurring Deposits work?

A monthly deposit of a pre-fixed amount is made in the Recurring Deposit account. On maturity, you get back the amount you deposited, along with interest calculated at the rate applicable at the time of opening your account.

Can I pay more than one instalment at a time?

You can, but note that there will be no interest paid on any additional amount deposited, other than the installment due.

How Interest Rate is calculated for premature withdrawal of Recurring Deposit?

If your Recurring Deposit is broken prematurely, the interest rate applicable for premature closure of deposits will be lower of

The base rate for the original / contracted tenure for which the deposit has been booked

The base rate applicable for the tenure for which the deposit has been in force with the Bank

The base rate is the rate applicable to deposits of less than 1crore as on the date of booking the deposit.

In case of premature closure within a month, no interest shall be paid out & only principal amount shall be returned.

Is an overdraft facility allowed?

Right now there is no overdraft facility for Recurring Deposits.

How can I prematurely liquidate my recurring deposit?

If you wish to prematurely liquidate your Recurring Deposit. We request you to submit your Recurring Deposit advice or written instruction, duly signed by all account holders, at the branch for premature liquidation of your Recurring deposit.
Alternatively, you can liquidate your Recurring Deposits through NetBanking. This facility will be available for Recurring Deposit held under "Sole Owner (SOW)" relationship only and which are booked from Singly Owned Savings or Current Accounts.

Following are the steps for liquidating your Recurring Deposit online:

Login to NetBanking with your Customer ID and IPIN (NetBanking Password)
Select " Liquidate R D " option under the Recurring Deposit menu from the Menu bar located on the left hand side, under Accounts tab.
Select the Recurring Deposit account number from the Drop-down lists, and click on Continue.
Verify the details and Confirm the Liquidation.
A Confirmation page will be displayed, confirming that your Recurring Deposit has been liquidated.

Additional Information -

If your Recurring Deposit is broken prematurely, the interest rate applicable for premature closure of deposits will be lower of

The base rate for the original / contracted tenure for which the deposit has been booked
OR
The base rate applicable for the tenure for which the deposit has been in force with the Bank

The base rate is the rate applicable to deposits of less than Rs.15 lacs as on the date of booking the deposit.

In case of premature closure within a month, no interest shall be paid out & only principal amount shall be returned.

What happens if I don’t pay an instalment?

If frequent defaults (non-payments) are observed in your payment of monthly installments, and six installments fall in arrears, the Bank reserves the right to close your RD account. The interest rate applicable on such accounts will be as per the premature withdrawal policy of the Bank.

Can my Recurring Deposit be opened in joint names?

Yes, you can open a Recurring Deposit in a joint name.

Can the first applicant for a Recurring Deposit be a minor?

The first applicant can be a minor.

Can I withdraw prematurely from my Recurring Deposit?

Premature withdrawals are allowed, but remember that no partial withdrawal is permitted.

I'm a senior citizen – are there any extra benefits?

You gain an additional 0.50% rate of interest.

How to open a Recurring Deposit?

Recurring Deposits can now be booked through NetBanking. Following are the steps for booking your Recurring Deposit online:

Access your NetBanking account with your Customer ID and IPIN (NetBanking Password)
Select "Open Recurring Deposit" option under the Recurring Deposit menu from the Menu bar located on the left hand side of the web page
Select the desired values from the Drop-down lists
Once complete, click on "Continue" and "Confirm" the details entered

5 Year Tax Saving Fixed Deposit

What documents are required to open a senior citizen 5 Year Tax Saving Fixed Deposit?

While opening the account, the customer needs to provide proof of age establishing that he/she is a Senior Citizen. To accomplish this, either of the following can be submitted:

Secondary School Leaving Certificate (10th Class)
LIC Policy
Voters Identity Card
Pension Payment Order
Birth Certificate issued by the competent authority
Passport
Defence ID Card / Govt ID Card (Provided they have the cardholder's photo, signature and date of birth)
PSU Issued ID Cards
Senior Citizen Cards issued by Indian Airlines / Indian Railways
PAN Card

Will the bank issue a TDS certificate?

You will receive a consolidated TDS Certificate in Form 16A, for TDS deducted during a financial year, in the month of April of the following financial year.

As a 5 Year Tax Saving Fixed Deposit holder, How do I apply for an exemption on TDS?

If your total interest income for the year does not fall within the overall taxable limits, you should let us know. You can do this by submitting a form as per the provisions of the Income Tax Act.

A few things to note:

You can get the 15AA form from the Assessing Officer of the Income Tax department.
Even with the 15G/15H form, the tax that has already been deducted by way of TDS during the year prior will not be refunded. However, you will get a certificate, which can be used while filing your tax return.
15H/15AA Forms are valid only for the financial year in which they are issued.
A fresh Form - 15G/H needs to be submitted in the first week of the financial year for exisitng deposit and separately each time for subsequent deposit booked in the Financial Year.

When is TDS deducted for 5 Year Tax Saving Fixed Deposit?

TDS is deducted every time the Bank pays/re-invests interest during the Financial year. In addition TDS is also deducted on interest accrued(but not yet paid) at the end of financial year viz. 31st March.

Does any change or enhancement in my deposit portfolio affect TDS liability?

Note: If interest on the current portfolio is not sufficient to cover TDS, it will be recovered from the principal.

Do I need to visit branch to receive my 5 Year Tax Saving Fixed Deposit proceeds on maturity?

Customer is not required to visit the branch , FD proceeds will be credited to customers account on maturity as per instructions.

Can I open a joint account with a non-senior citizen for 5 Year Tax Saving Fixed Deposit?

Yes you can open deposit with non senior citizen.

How to apply for 5 Year Tax Saving Fixed Deposit?

We request you to visit the nearest branch and fill the fixed deposit booking account opening form to open a 5 Year Tax Saving Fixed Deposit.

When am I liable for TDS (Tax Deduction at Source)?

You become liable for TDS (Tax Deduction at Source) if the aggregate interest that you’re likely to earn for all your deposits is greater than Rs. 10 000 in a financial year.

TDS will be deducted when interest payable or reinvested on RD and FD per customer across all branches, exceed Rs.10000 in a financial year

Overdraft Against Fixed Deposits

If I have a joint Super Saver Account, can both account holders get an ATM/Debit card?

Both account holders can get an ATM / Debit Card, but a maximum of two cards are given for each Super Saver Account.

Is the Super Saver Account a normal Savings Account?

Look at the Super Saver Account as a Premium Savings account. With this option you’re combining the benefits of a Fixed Deposit and a Savings Account.

There are a few other unique features, including:

High interest rates
A personalised cheque book
A free ATM card
Free inter-city access

What documents are required to open a senior citizen Super Saver Facility?

While opening the account, the customer needs to provide proof of age establishing that he/she is a Senior Citizen. To accomplish this, either of the following can be submitted:

Secondary School Leaving Certificate (10th Class)
LIC Policy
Voters Identity Card
Pension Payment Order
Birth Certificate issued by the competent authority
Passport
Defence ID Card / Govt ID Card (Provided they have the cardholder's photo, signature and date of birth)
PSU Issued ID Cards
Senior Citizen Cards issued by Indian Airlines / Indian Railways
PAN Card

I’m part of a Trust – can I open a Super Saver Account?

Only Resident Individuals and Hindu Undivided Families are eligible to open a Super Saver Account.

Can I add on a Fixed Deposit?

You can, but it has to be in multiples of Rs 5,000. In this situation, the overdraft rate is recalculated. We will let you know the change. Separate add-on forms exist for adding the Fixed Deposit to the Super Saver Account.

Will TDS be charged on the gross interest earned or the net interest earned?

TDS (Tax Deducted at Source) is charged if, in a financial year, the gross interest earned on your fixed deposits held with the bank exceeds Rs. 10, 000.

Can I have a Super Saver Facility and a Sweep-in Facility on the one Fixed Deposit?

This isn’t possible. You can only have one of these facilities on a single Fixed Deposit.

Can I have a Super Saver Facility and a Sweep-in Facility on the same Savings Account?

You can have both these facilities on the same Savings Account.

How can I apply for the Super Saver Account?

You can apply for the Super Saver Account in the following ways:

Apply through a branch: To apply for the Super Saver facility through a nearest branch, please submit a duly signed written instruction at the nearest branch. You may visit the following URL to access information for the complete address and contact details of our Branches.

Apply by calling us: You may access information about our PhoneBanking numbers.

Apply online: To apply online for Super Saver Facility, please follow steps mentioned below: Please note the following details with regards to the online facility.
Login to your NetBanking account and click on “Fixed Deposit Super Saver" option located under fixed deposit of the web page.
Select the savings account number and the fixed deposit account number that you wish to link for Super Saver Facility from the drop down
Accept the terms and conditions by checking the box available for the same.
Click on "Continue" and "Confirm".
Only customers with SOW (Single Ownership) relationship with both accounts and Fixed Deposits can link them under Super Saver Facility
A minimum amount of Rs. 25,000 for a minimum tenure of 6 months 1 day is required to open a super saver account apart from a zero balance Savings Account
In case of a Super Saver facility a lien is marked on the Fixed Deposit in favor of the Bank
On Auto renewal of the Fixed Deposit, the quantum of the Overdraft limit will remain unchanged
Through this facility, a 75% of your Fixed Deposit Principal amount will be granted as an Overdraft facility
The rate applicable on the Overdraft facility will be 2% per annum over and above the Fixed Deposit Rate
In case of premature liquidation of the Fixed Deposit, against which the Overdraft has been taken, the rate applicable on the overdraft utilized will remain unchanged
In case the overdraft limit (Super Saver) set-up on the account is not removed prior to the maturity of the Fixed Deposit, the Bank shall auto-renew the Fixed Deposit for the same tenure at prevailing rates
In case you choose any Sweep-in Fixed Deposit to link to a Super Saver facility, please note that a lien will be marked on the said Fixed Deposit for the Super Saver facility.
This will mean that in future in case of shortage of funds, the sweep-in will not trigger, however, the Super Saver limit will be utilized.
In case you have 2 separate deposits which you have linked to your SB account - a sweep in FD and a Super saver limit, then in case of shortfall of funds, first the OD amount will get utilized and if the shortfall still remains, then the sweep in shall trigger.

Can a joint account be opened with a non-senior citizen?

Yes, as long as the first account holder is a senior citizen.

How does it work?

The Super Saver Account lets you to withdraw up to 90% of your deposit, just like the liquidity of a Savings Account. There’s no need to break your Fixed Deposit for short term requirements. You can withdraw cash through an ATM or by cheque or teller transactions.

Can I get an overdraft facility on my fixed deposit funds?

With our Super Saver Account, you can enjoy an overdraft facility of up to 90% of your Fixed Deposit funds without breaking the Fixed Deposit or losing interest on it. However, a minimum tenure of 6 months is required to open a Super Saver Fixed Deposit/ avail of the Super Saver facility on your existing deposit.

Sweep-in Facility

What are the benefits?

With HDFC Bank's Sweep-in facility, you gain the high interest rates that come with a Fixed Deposit, along with the liquidity of a Savings Account.

To benefit, you just need a Savings or Current account. The Sweep-In facility links the deposits you choose, and whenever there are insufficient funds in your Account to clear a cheque, we will break units of the deposit to clear the cheque.

Here's an example of how it works:

Let's say you have a Sweep-In facility on your Savings Account with a linked Fixed Deposit of Rs10,000/-.

If you have just issued a cheque for Rs. 4000/-, but the balance in that Savings Account is Rs. 1000/-,

HDFC Bank will mark a lien on the Fixed Deposit to the extent of Rs. 3000/- (4000/- less 1000/-) and clear the cheque.

How can I apply for the Sweep-in facility?

To apply for the Sweep-In facility, you can login into your NetBanking account and apply online. This facility is available on NetBanking to Sole account holders (Single owners) only. Others can submit a request at nearest Branch.

To apply online for Sweep-In Facility, please follow steps mentioned below:

1. Login to your NetBanking account and click on "Fixed Deposit Sweep-in" option located under fixed deposit of the web page.
2. Select the savings account number and the fixed deposit account number that you wish to link for Sweep-In Facility from the drop down
3. Accept the terms and conditions by checking the box available for the same.
4. Click on "Continue" and "Confirm".

Additional Information:

Sweep In facility is not given for the below Fixed Deposits
Fixed Deposit amounts greater than 1 Crore
For availing Sweep-in facility on Fixed Deposits of value Rs 15 Lakhs and above, the customer will have to contact the nearest HDFC Bank Branch.
Fixed Deposits with Lien marked: Fixed Deposits which have a lien / an overdraft limit set up; sweep-in on the said Fixed Deposit will not be maintained.
Incase multiple deposits are linked for the Sweep-In facility, the first deposit to be encashed will be the deposit which was opened first.
To discontinue this facility, once applied for it, you will have to contact the Branch.
You may visit the URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers:

Can I have both a Super Saver facility and a Sweep-In facility on the same Fixed Deposit?

No. You can only have one of the two facilities on a single Fixed Deposit.

Will both the principal and interest amount of my Fixed Deposit be considered?

Just the principle amount of your Fixed Deposit is considered.

Can I have a Super saver facility and a Sweep-in facility on the same Savings Account?

It is possible to have both these facilities on the same Savings Account. It is important to note that if there are insufficient funds in your Savings Account, your overdraft limit will be exhausted before units of the Sweep-In Fixed Deposits are used prematurely.

On what basis the Sweep-in facility gets triggered ?

Effective 22nd Feb 2014, Sweep in of funds from your Fixed Deposit (FD) to Saving/ Current account will trigger on Last in First out basis (LIFO).

Can a Fixed Deposit be linked to two different Savings Accounts for the Sweep-in?

A Fixed Deposit can only be linked to one savings account for the Sweep-in facility.

Can my Sweep-in facility have multiple deposits?

You can definitely link more than one deposit to the Sweep-in facility. When you link more than one deposit to the facility, then the first deposit to be used will be the deposit which you opened last.

Can I link accounts held in different account titles to the same Savings Account for the Sweep-In facility?

No. You can only link the Sweep-In facility to the accounts with the same account title. For example, a Fixed Deposit held by A-B can be linked to a Savings Account held by A-B across branches.

What is the Sweep-in facility all about?

The Sweep-In facility is a cluster deposit (held in units of Re.1). We will automatically break units of term deposits held by you, if there are insufficient funds in your Sweep-In Savings/Current Account to clear a cheque.

The same will happen when you wish to withdraw money using your ATM Card and there are insufficient funds in the account.

For more information on the Sweep-In facility, please click here.

Safe Deposit Locker

All Safe Deposit Locker

Is a nomination facility available for lockers?

Yes, a nomination facility is available to Individuals /Joint hirers of Safe Deposit Lockers.

What are the timings for locker operations?

You can plan your visit and access your locker on all working days during banking hours.

How many nominees can be added to a single locker?

A nomination can be made in favour of only one individual.

Can I pay for the rent of a locker through my account?

Yes, you can set a Standing Instruction in your Account to pay your annual locker rent.

What is the procedure to add / cancel / modify a nominee in my locker?

You will need to fill up the following forms and submit it to your locker branch. The forms are available in the Forms centre section of our website.
- For addition of a nominee: Form SL1 (sole hirer) / SL1A (joint hirer)
- For cancellation of nomination: Form SL2
- For change of nomination: Form SL3 (sole hirer) / SL3A (joint hirer)

The branch will assist you after the form has been submitted by you.

For more details, Contact Us.

Dream Deposits

How do I open a Dream Deposit?
Dream Deposits can only be booked through NetBanking. Following are the steps for booking your Dream Deposit online:
1. Login to NetBanking with your Customer ID and IPIN (NetBanking password)
2. Click on Transact Tab under Accounts Tab on the left hand side of the web page
3. Select "Open Dream Deposit" option
4. Select the Dream Deposit amount and target date
5. Once complete, click on "Continue" and "Confirm" the details entered

For what tenure I can open a Dream Deposit?
You can open a Dream Deposit account for a minimum tenure of 6 months and a maximum tenure of 10 years.

What is the maximum deposit amount a Dream Deposit can be opened with?
The maximum instalment amount you can open a Dream Deposit with is Rs. 14,99,900/- per month.

What is the minimum deposit amount a Dream Deposit can be opened with?
The minimum instalment amount you can open a Dream Deposit with is Rs. 1000/- per month.

What is Top-up option?
Top-up option is an additional facility made available to the customer to pay Top-up amounts via NetBanking, over and above the normal instalment amount, any time, during the term of the Dream Deposit.

How do I Top-up my Dream Deposit?
• Login to NetBanking with your Customer ID and IPIN (NetBanking password)
• Click on Transact Tab under Accounts Tab on the left hand side of the web page
• Select "Top-up Dream Deposit" option
• Select the account and amount from which you would like to transfer the Top-up
• Once complete, click on "Continue"

How many times can I Top-up my Dream Deposit?
You can Top-up your Dream Deposit for a maximum of 3 times a month.

Is there any limit for Top-up value?
You can Top-up your Dream Deposit with a minimum amount of Rs.1000 and a maximum amount equivalent to twice the monthly instalment amount, per month.

How do Dream Deposits work?
A monthly deposit of a pre-fixed amount is made in the Dream Deposit account. Along with that you can Top-up the account over and above the instalment amount whenever funds are available. On maturity, you get back the amount you have deposited, along with interest calculated at the rate applicable at the time of opening your account.

Can I choose my instalment date?
The date of your monthly instalment will depend on the date you open your Dream Deposit account. E.g. If you book your Dream Deposit on 14th June, then your instalment date will the 14th of every month.

Can I change the tenure and instalment due date, (auto debit date) of my Dream Deposit?
No, it is not possible to change the tenure and instalment due date (auto debit date). However, you can use the Top-up feature to add funds to your Dream Deposit whenever funds are available.

What if the monthly instalment cannot be recovered by the bank due to insufficient funds on instalment date?
You can pay the instalment on availability of funds by selecting the Top-up option using which funds can be transferred from your Savings/Current account to your Dream Deposit account. The same applies to unpaid instalments.

What is the result of not paying certain number of instalments?
If six consecutive instalments are unpaid, the bank reserves the right to close the Dream Deposit account. The interest rate applicable on such closed accounts will be as per the premature withdrawal policy of the bank.

Is there a nomination facility?
Yes, there is a nomination facility on the Dream Deposit account.

Is there a monthly or quarterly interest pay-out option?
Interest is paid when the Dream Deposit account is closed, and on maturity.

Can partial payments be made on Dream Deposits?
Partial payments are not possible.

What if certain Dream Deposit instalments are not paid?
If six consecutive instalments are unpaid, the Bank reserves the right to close the Dream Deposit account. The interest rate applicable on such closed accounts will be as per the premature withdrawal policy of the Bank.

Can I pay more than one instalment at a time?
You can, but note that there will be no interest paid on any additional amount deposited, other than the instalment due.

Can I withdraw prematurely from my Dream Deposit?
Premature withdrawals are allowed, but remember that no partial withdrawal is permitted.

How is the interest rate calculated for premature withdrawal of Dream Deposit?
If your Dream Deposit is broken prematurely, the interest rate applicable for premature closure of deposits will be lower of:

1. The base rate for the original / contracted tenure for which the deposit has been booked
OR
2. The base rate applicable for the tenure for which the deposit has been in force with the Bank

How can I prematurely liquidate my Dream Deposit?
If you wish to prematurely liquidate your Dream Deposit, you will have to submit your Dream Deposit advice or written instruction, duly signed by all account holders, at the branch for premature liquidation of your Dream Deposit.

Alternatively, you can liquidate your Dream Deposits through NetBanking. This facility will be available for Dream Deposit held under "Sole Owner (SOW)" relationship only and which are booked from Singly Owned Savings or Current Accounts.

Is an overdraft facility allowed?
Currently, there is no overdraft facility for Dream Deposits.

Can my Dream Deposit be opened in joint names?
Yes, you can open a Dream Deposit in a joint name.

Can the first applicant for a Dream Deposit be a minor?
The first applicant can be a minor.

What are the rate benefits available for senior citizens?
Please click here to view Interest Rates for senior citizens.

High Networth Banking

Premier Banking

Imperia Banking

Why should I go for HDFC Imperia Programme?

The HDFC Bank Imperia Programme is a whole new world of banking benefits exclusively for you. As an Imperia Customer you and your family are entitled to a host of benefits, including a wide range of preferentially priced products and specialised investment solutions. You will also have a dedicated Imperia Client Relationship Manager (ICRM) who will take care of all your financial needs.

Who will I have to contact for my regular banking queries?

As an HDFC Imperia Programme Customer, you will have a dedicated Imperia Client Relationship Manager (ICRM). Your ICRM will be your one point contact for any banking, service or investment related needs.

How can I be eligible for the HDFC Imperia Programme?

You need a minimum Average Quarterly Balance (AQB) of just Rs. 10 Lakh in your Savings Bank Account (this can be maintained across Savings Bank Accounts held by you and your immediate family (i.e. spouse/ parents/ children).

OR

You need a minimum Average Quarterly Balance (AQB) of just Rs. 15 Lakh in your Current Bank Account (this can be maintained across Current Bank Accounts held by you and your immediate family (i.e. spouse/ parents/ children).

OR
You need a minimum Average Monthly Balance (AMB) of just Rs. 30 Lakhs in a combination of Savings Bank Accounts and Term Deposits. This can be maintained across accounts of you and your immediate family (i.e. spouse/ parents/ children).

Can I include my existing Saving Accounts to the HDFC Imperia Programme?

Yes you can, provided the eligibility criteria are met.

Prime Banking

Whom should I contact for my regular banking queries?

Your dedicated Prime Banker will be available to you for any banking service or financial investment related need. You can get in touch through the phone from Monday to Saturday (except on bank holidays and the 2nd and 4th Saturday of the month) between 9.30 am and 6.30 pm.

You can also write to us at primebanking@hdfcbank.com

Classic Banking

How do I continue to be eligible for the HDFC Bank Classic Programme?

You need a minimum Average Quarterly Balance (AQB) of just Rs. 1 Lakh in your Savings Bank Account (this can be maintained across Savings Bank Accounts held by you and your immediate family (i.e. spouse/ parents/ children).
OR
You need a minimum Average Monthly Balance (AMB) of just Rs. 5 Lakhs in a combination of Savings Bank Accounts and Term Deposits. This can be maintained across Savings Accounts held by you and your immediate family (i.e. spouse/ parents/ children).

Who will I have to contact for my regular banking queries?

As an HDFC Classic Programme Customer, you will have a dedicated Personal Banker. Your Personal banker will be your one point contact for any banking, service or investment related needs.

Can I include my existing Saving Accounts to the HDFC Classic Programme?

Yes you can, provided the eligibility criteria are met.

How can I change/update the residential address for my account?

We request you to follow the steps mentioned below to update /change your address.

Option A) Personal Visit at the Branch by the Account holder/s.

Step 1) Fill the application form available at the Branch.

Step 2) Sign the application form.

Step 3) Submit documentary proof (carry the original for verification) of your new address. Click to view the Valid Address Proof. However, if you have held an account for more than 6 months and you are not able to submit any of the acceptable documents to establish proof of address, then you need to compulsorily submit any one of the following identification documents:

Valid Passport
PAN Card

Option B) Request other than Personal Visit at the Branch

Step 1) Download the address change application form.

Step 2) Fill the application form duly signed by the holder.

Step 3) Attach address proof of your new address. (Self attested by the holder)

Step 4) Send the documents mentioned above by courier, post or bearer to the Branch.

Note / Important:

For Joint accounts, all the account holders / applicants need to mention their “Customer Identification Numbers” and put their signatures in the address change form.
Requests received through Phone Banking, Net Banking, email and scanned or faxed copy will not be processed.
Your mailing address will be updated within 7 working days after receipt of complete documentation.
The change in address will be confirmed through a mailers .
You may confirm the change in address by logging on to NetBanking through "My Contact Details".

For any other queries regarding the above or to know the status of an existing application, please call up PhoneBanking or write to us with the details mentioned below.

HDFC Bank Branch where your request was submitted
Date when your request was submitted
Your complete new address and PIN code

You can also call your Personal Banker.

Why should I go for HDFC Bank Classic Programme?

The HDFC Bank Classic Programme is a whole new world of banking benefits exclusively for you. As a Classic Customer you and your family are entitled to a host of benefits, including a wide range of preferentially priced products and specialised investment solutions. You will also have a dedicated Personal Banker (PB) who will take care of all your financial needs.

How can I be eligible for the HDFC Bank Classic Programme?

You need a minimum Average Quarterly Balance (AQB) of just Rs. 1 Lakh in your Savings Bank Account (this can be maintained across Savings Bank Accounts held by you and your immediate family (i.e. spouse/ parents/ children).
OR
You need a minimum Average Monthly Balance (AMB) of just Rs. 5 Lakhs in a combination of Savings Bank Accounts and Term Deposits. This can be maintained across accounts of you and your immediate family (i.e. spouse/ parents/ children).

Preferred Banking

What is the rate of interest I will earn on the balance in my Savings Account?

Interest on a Savings Account is paid at 4.00% p.a. on a daily end of day balance, w.e.f. May 3, 2011.

What is the frequency of interest pay-out?

Interest earned on your Savings Account balance shall be credited to your account on a half-yearly basis in the months ends of September and March.

How Do I Change / Add my Mobile Number?

We request you to follow the procedure mentioned below to change your Mobile Number

Step 1) Fill the application form available at the Branch (duly signed by all the holders).

Step 2) If you are unable to visit an HDFC Bank Branch, you can send the form by post or courier.

Note / Important:

Instruction received through Net Banking, or scan copy, fax or email will not be processed for security and authentication purpose.
Updates for InstaAlerts and / or Mobile Banking (if registered) need to be done separately.

InstaAlerts Updates:

Mobile Banking Updates/InstaQuery Updates:

Please cancel InstaQuery on your old number and then re-register for InstaQuery on your new number by following the process mentioned below:

Log in to Net Banking with your Customer Identification Number and NetBanking Password (IPIN).
Click on InstaQuery Registration in the top right hand corner
Select De-register for InstaQuery from the left hand side menu
From the list shown, select the mobile number that needs to be de-registered
Click on ‘Continue’
Select ‘Confirm’

Your InstaQuery de-registration request will be processed online

Subsequently, you need to re-register for InstaQuery on the new number as below:

Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN).
Click on InstaQuery Registration on the top right hand corner
Select Subscribe for InstaQuery from the left hand side menu
Choose your Account Number from the list of all accounts linked to your Customer Identification number. (All the account level transactions will be effective for the Primary Account selected by you at the time of registration. The primary account can be changed at a later stage using the 'Change Primary Account' facility in InstaQuery.)
Provide your 10 digit mobile number along with the country code. Note that all Reliance CDMA customers need to provide a 10 digit mobile number only, without the country code.
Click on the Check box which states ‘I accept Terms and Conditions’.
Click on ‘Confirm’.
Your request will be processed online.

What is the procedure to get a passbook for my Savings Account?

We request you to follow the steps mentioned below to request for a passbook:

Step 1) Fill the application form available at the Branch
Step 2) Sign the application form and submit the form

Note / Important:

You (or the bearer) need to bring the Passbook every time you want it updated.
Only one Passbook per account will be issued.
For all accounts holders who have availed the passbook facility, physical statements of accounts will be discontinued.

What is the procedure to add/modify or delete a nominee for all my accounts and deposits?

We request you to follow the steps mentioned below to add/modify or delete a nominee:

Step 1) Get an application form from a branch or download a form from the website.
Step 2) Fill the application form duly signed by all the holders and submit it to your nearest branch.

The branch will assist you after the form has been submitted by you.

What happens if I don't use my savings account for a very long time?

If the account status is 'Dormant', transactions through Direct Banking Channels like ATM, NetBanking, PhoneBanking are not allowed by the Bank.

How do I activate my 'Dormant' Account?

We request you to follow the steps mentioned below to activate your account:

Step 1) ) Approach the branch in person.
Step 2) Submit a written request for activation of your dormant account, signed as per operating instructions in the account.
Step 3) Furnish proof of identity (carry the original for verification)
Step 4) Initiate a transaction and your account will be activated once again.

How can I get in touch with my Relationship Manager? Could I get more details?

You can call on your local phone banking number for your Relationship Manager’s details or write to us at

How can I subscribe to Preferred Speak, the monthly Preferred e-newsletter?

Please get your email id registered with us for the receipt of exciting offers and reviews through Preferred Speak. You may call your Relationship manager for more details.

How do I extend the Preferred Programme to my family members?

The Preferred benefits offered to you can also be availed by your family members. For availing the same you need to ask your Relationship Manager to group your family member’s Savings Account with your account. Please note that grouping does not lead to sharing of financial information. It is only meant for sharing the Preferred benefits.

Note: Entry to the said programme is by invitation and at the sole discretion of HDFC Bank.

How can I change / update the residential address for my account?

We request you to follow the steps mentioned below to update /change your address.

Option A) Personal Visit at the Branch by the Account holder/s.

Step 1) Fill the application form available at the Branch.
Step 2) Sign the application form.
Step 3) Submit documentary proof (carry the original for verification) of your new address. Click to view the Valid Address Proof. However, if you have held an account for more than 6 months and you are not able to submit any of the acceptable documents to establish proof of address, then you need to compulsorily submit any one of the following identification documents:
- Valid Passport
- PAN Card

Option B) Request other than Personal Visit at the Branch

Step 1) Download the address change application form.
Step 2) Fill the application form duly signed by the holder.
Step 3) Attach address proof of your new address. (Self attested by the holder)
Step 4) Send the documents mentioned above by courier, post or bearer to the Branch. Note / Important:
- For Joint accounts, all the account holders / applicants need to mention their “Customer Identification Numbers” and put their signatures in the address change form.
- Requests received through Phone Banking, Net Banking, email and scanned or faxed copy will not be processed.
- Your mailing address will be updated within 7 working days after receipt of complete documentation.
- The change in address will be confirmed through mailers sent to your old address.
- You may confirm the change in address by logging on to NetBanking through "My Contact Details".

For any other queries regarding the above or to know the status of an existing application, please call up PhoneBanking, or write to us with the details mentioned below.

HDFC Bank Branch where your request was submitted
Date when your request was submitted
Your complete new address and PIN code

How can I change / add my email ID to my account?

We request you to follow the procedure mentioned below to change your email ID:

Step 1) Fill the application form available at the Branch (duly signed by all the holders).
Step 2) If you are unable to visit an HDFC Bank Branch, you can send the Form by post or courier.

Note / Important:

Instructions received through Net Banking, scan copy, fax or email will not be processed for security and authentication purposes

Updates for InstaAlerts (if registered) need to be done separately.

Step 1) Log in to your NetBanking and click on "InstaAlerts" located at the top right corner of the web page.
Step 2) Click on "Unsubscribe Alerts" on the left hand pane of the web page
Step 3) Check the "Email" option and select "Continue” and then “Confirm”
Step 4) Click on "Subscribe for Alerts" in the left hand pane of the web page.
Step 5) Check the "Email" option and enter your new mobile number, then click on "Continue" and "Confirm".
Step 6) Go to "Manage Alerts" and select the required option

InstaAlerts Updates: Please follow the steps mentioned below to update your Email ID online for InstaAlerts (in case you are registered for the InstaAlerts facility)

How can I request for Physical Statement/s?

Statements for the period of 2 years can be downloaded through NetBanking. We request you to follow the steps mentioned below to request for a statement of your Account.

Step 1) Log in to Net Banking
Steps 2) On the left hand pane under ‘Request’ option select ‘Account Statement’
Step 3) Select the Account number and Period for which the statement is required
Step 4) Click on ‘Continue’ and ‘Confirm’

The account statement will be delivered to your address within 4 working days

Alternatively you may request for a statement of your account through

HDFC Bank PhoneBanking
HDFC Bank ATM
Any HDFC Bank Branch

Charges for duplicate statements can be waived off for Preferred customers.* If you wish to know more about Account Statements or want to know its status if requested, please call up PhoneBankingor write to us with full details viz. date of request, mode of request and period of request.

*The charges being waived off is solely on branch discretion and subject to changes.

How do I register for Email Statement/s?

We request you to follow the steps mentioned below to register for an Email Statement of your Account:

Step 1) Log in to Net Banking
Step 2) On the left hand menu under 'Request’, click on ‘Email Statement Registration’
Step 3) After reading the Terms and Conditions, tick on the text box and then click on ‘Continue’ and then ‘Confirm’

Alternatively, you may submit the attached form (Link for E-age Banking form to be created) to your nearest branch to register for the email statement facility. In case you are unable to visit a branch, we request you to send the form by post or courier. Find your nearest HDFC Bank Branch

Note / Important:

Email statements are currently free of charge.
Dispatch of the physical statements will discontinue once you register for Email Statement.
For Savings Account Customers
Only the Primary Account holder will be eligible for the Email Statement facility. In case you are a secondary account holder, you will not receive any Email Statements.
For Current Account Holders
Only a Sole Current Account holder can avail of this registration facility. In case of Proprietorships, Private Limited Companies, Partnerships, Kartas, etc., a one-time registration needs to be done at the branch by filling up the form (click on the link to download the form)
For Managed Customers
Combined Email Statements for all accounts linked to the Primary Customer ID will be provided across Savings and Current Accounts and Fixed Deposits.

For any other queries or to know the status of an existing application, please call up PhoneBanking or write to us mentioning the details given below:

HDFC Bank Branch /mode where your request was submitted
Date when your request was submitted

What is the procedure to add applicants to my Saving Accounts?

We request you to follow the steps mentioned below to add applicants to your Savings Account:

Step 1) Visit a Branch : All holders along with the new applicants
Step 2) Fill the account opening form duly signed by the holder including the new applicants
Step 3) Photographs of new applicants are to be pasted in the form
Step 4) ) Furnish proof of identity and address provided the applicants do not have any other account with the Bank. (Carry originals for verification)
Step 5) Submit a letter to the branch specifying reasons to add another applicant to your existing account (mention the name of the applicant in the letter) and sign the letter (all existing applicants must sign)

Note / Important:

Requests received through PhoneBanking, NetBanking, email, and scanned or faxed copy will not be processed.
The names of the new applicants will be added within 7 working days after receipt of complete documentation.

For any other queries or to know the status of an existing application, please call up PhoneBanking or write to us mentioning the details given below:

The HDFC Bank Branch where your request was submitted
Date when your request was submitted

What are the documents required to open a Savings Account?

To open a Savings Account you have to:

Submit your identity proof and address proof along with your latest passport size photographs
Submit self-attested copies and originals for verification

To view the list of acceptable identity and address proof documents, click here.

How can I transfer my Savings Account from one branch to another?

We request you to follow the procedure mentioned below to transfer your account from your existing Branch to any other HDFC Bank Branch.

Step 1) Visit a Branch: All holders (preferably the Branch where you wish to transfer your account)
Step 2) Fill the account transfer form (available at the branch): To be signed by all the applicants
Step 3) Surrender unused Cheques (if any) of your existing account
Step 4) Submit proof of address (carry the original for verification)

After the receipt of the Transfer Form and supporting documents, transferred to the desired location.

Note / Important:

Instructions received through FAX / Phone / NetBanking are not accepted
You can continue to access NetBanking / PhoneBanking through your new account with your existing /old password
Your existing ATM / Debit Card will be linked to your new account
A cheque book for your new account will be sent to your new mailing address (if changed) within 7 working days
If you are availing facilities like Auto Debit, Mutual Funds SIP, Credit Card, ECS, Loans, Demat, Online Securities Trading, etc., and in case they are linked to your existing account, we request you to contact the respective authorities / service providers to link these facilities to your new account.

How do I update my PAN number?

We request you to follow the steps mentioned below to update you PAN number:

1) Request through branch:
Step 1) Submit a written request specifying your updated PAN number
Step 2) Give a self-attested photocopy of your PAN card. (carry originals for verification)

2) Request through Netbanking:
We are glad to inform you that the PAN can be updated online from your NetBanking.
Please follow the below steps to update your PAN online :
Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN).
Click on 'Contact details' on the top right hand corner & Select Edit Pan number / Click on 'Add/Update PAN number' on the Accounts tabs.
Update your 10 digit PAN.
Click on Confirm.

Note :

1. The submitted PAN will be updated within 5 working days, post validation of the PAN with the income tax records.
2. In case of any mismatch of the submitted PAN with Income Tax records, the updation request will be rejected and customer will be intimated.
3. In case of any reject, the customer will need to visit the nearest branch with copy of the PAN card for updation on Bank records.
Please note in some cases of difference in name on PAN Card, the customer may be asked to submit additional documents.
4. In the absence of PAN detail on Bank records, the interest earned on Fixed Deposits will be subject to penal TDS at 20% (if applicable)

Frequently asked questions on TDS

1) When does the TDS deduction apply to deposits?

TDS is applicable from time to time as per the Income Tax Act, 1961 (IT Act) and Income Tax Rules, 1962. The current rates applicable for TDS would be displayed on Bank’s website. Currently, TDS is deducted when the aggregate interest paid / credited across all FDs, RDs exceeds the threshold limit of Rs. 40,000/- for residents and Rs. 50,000/- for resident senior citizens in a financial year (FY) for a customer. Further, Tax is deducted at the end of the financial year on Interest accruals, if applicable.

In case of inoperative PAN (PAN not linked to Aadhar), TDS will be deducted @ 20% and no 15G/H form can be submitted during inoperative PAN period.

If customer is non-ITR filer i.e specified person as per Income tax portal TDS will be deducted @ 20%.

For resident individuals and corporates holding time deposits, TDS deduction happens during interest payment/credit/reinvestment/accrual which ever is early during the FY. However, for NRO customers, the entire interest earned (both Fixed Deposits and Savings Accounts) is taxable without any threshold limit, as mentioned above.

2) Why is TDS deducted on the 31st of March, even though it has been deducted monthly or quarterly or as per the product feature?

As per CBDT CIRCULAR NO- 03/2010 dated 2nd March, 2010, tax shall be deducted at source on accrual of interest at the end of the year whenever the aggregate of amounts of interest income credited or paid or likely to be credited or paid during the financial year by the banks exceeds the limits specified in point 1 above.

3) Why is TDS sometimes deductible, even when Form 15G/H is submitted?

TDS is deductible on the entire interest when the interest paid/credited/accrued exceeds the threshold limit of Rs 3,00,000 for Form 15G and Rs 7,00,000 for Form 15H during the Financial Year.

4) When do higher tax deductions apply?

Higher tax deduction at a penal rate of 20% is applicable in the following scenarios for interest paid or credited:

· When the Bank does not receive PAN information from the individual, or the provided PAN is inoperative.

· When the Bank conducts checks on the CBDT site and classifies a person as a specified person (non-filer) under section 206AB of the Income Tax Act, 1961.

5) What is the reason for the mismatch between the address on the Interest certificate and Form 16A?

· The bank generates the interest certificate with the updated communication address according to their records, while Form 16A is generated by the CPC of the Income Tax Department and reflects the address provided by you in your IT records. If the address on the TDS certificate is not current one, please update your current address in your Income Tax PAN records.

6) How can one avail of lower tax on an NRO Account under DTAA?

To avail of the DTAA benefit on an NRO Account, NRIs must submit the following documents through Net banking or at an HDFC Bank branch.

· Valid Tax Residency Certificate (TRC) at the beginning of the financial year

· DTAA Annexure in the bank's format (Please refer to the annexure)

· Form 10F as required by the law (Please refer to page 3 of the annexure for generating Form 10F digitally).

7) What is the reason for the disparity between the interest and TDS certificates for the same financial year?

The disparity between the interest and TDS certificates occurs because multiple Customer IDs may be associated with a single PAN. To avoid this, it is necessary to aggregate the interest and tax amounts from all the Customer IDs.

8) Why do we observe a difference in the actual interest paid for reinvestment FDs when we deduct the tax from the maturity value?

Maturity process along with tax deduction explained below :

9) When does TDS on cash withdrawal happen?

Starting September 1, 2019, as per Section 194N of the Income-tax Act, 1961, banks must deduct tax at a rate of 2% from one or more accounts held by a customer on aggregate cash withdrawals exceeding Rs. 1 crore during a financial year. This includes all cash withdrawals under the PAN/Aadhaar-linked bank accounts.

i) If the customer has filed their Income Tax Return (ITR), TDS will be applicable at 2% on cash withdrawals exceeding Rs. 1 crore.

ii) If the customer has not filed their Income Tax returns for all of the preceding three financial years, and the time limit for filing the return under section 139(1) has expired, the TDS rates apply as follows:

· A 2% deduction on aggregate cash withdrawals exceeding Rs. 20 lakhs to 1 crore during a financial year.

· A 5% deduction on aggregate cash withdrawals exceeding Rs. 1 crore during a financial year.

iii) Starting from April 1, 2023, for Registered Co-operative Societies, the limit for TDS applicability has been increased from Rs. 1 crore to Rs. 3 crore per financial year. Please refer to the table below for the applicable TDS rates:

Aggregate cash withdrawals - Registered Co-operative Society Revised Provisions TDS Deduction for Registered Co-Operative Societies only ITR Filer ITR Non-Filer

Up to Rs. 20 Lakh Nil Nil

Rs. 20 Lakh to Rs. 1 Crore Nil @ 2%

Rs. 1 Crore to Rs. 3 Crore *NIL* @ 2%

Above Rs. 3 Crore @ 2% @ 5%

iv) In the absence of a valid and operative PAN, the TDS rate will be 20%.

Customers eligible for exemption from TDS on cash withdrawal can submit a declaration to the nearest branch every year

10) How does the recovery of TDS on Deposits happen from the Current Account/Saving Account?

· For pay-out type deposits, the bank deducts TDS from the current/savings account where the interest is credited.

· To avail TDS deduction for reinvestment deposits, customers can link or delink Current/Savings A/c by submitting a request to the nearest branch.

11) How does the bank update PAN information?

The bank updates the PAN under the customer record when the NSDL PAN Name matches the customer name as per the Bank records. However, in cases of name mismatch, the bank does not process PAN updation.

12) How can I download the Interest certificate?

To download the interest certificate, you can either use Net Banking by following one of the paths mentioned below or go to your nearest branch.

· Login to NetBanking

· Click on the Accounts tab

· Select Request

· Download the Interest Certificate

· Login to NetBanking

· Save ---> Accounts

· Under Actions, Click on 'Download Interest Certificate' to download the Interest certificate for the current and previous year.

13) What causes the difference in TDS for monthly/quarterly interest payments?

The difference in TDS for monthly or quarterly interest payments can occur, as demonstrated in the example below. The difference in TDS for monthly or quarterly interest payments arises when the threshold limit is not exceeded for the first two interest payments, resulting in non-tax deductions. However, if the threshold limit is exceeded in the third interest payment, the entire interest amount paid/credited during the said financial year becomes eligible for a tax deduction.

14) How can one obtain a TDS certificate?

· The bank issues TDS certificates quarterly according to Income Tax rules in the prescribed format.

· The bank sends the TDS certificates to the registered email address mentioned in their bank records.

· If the email address is not registered or the email bounces, the bank sends physical copies of the TDS certificates to the mailing address.

· Customers can access TDS certificates through Net banking as well.

· Customers can visit the nearest branch and obtain a physical copy of the TDS certificate.

15) Why does TDS recovery occur from other deposits you have?

The recovery of TDS takes place from the interest earned on respective fixed deposits (FDs) or from the linked current account/savings account. In cases where deposits have earned interest but TDS was not initially deducted when the interest was paid/compounded as not breaching the threshold limit (refer to point 1 above), the TDS for those FDs will be deducted from the interest earned on other deposits (under same PAN) if cumulative interest amount will exceeds the threshold limit. To prevent the recovery of TDS from other deposits, customers can link their savings or current accounts for TDS recovery.

16) How to reconcile interest and tax amounts with Form 16A / 26AS?\

To reconcile the interest and TDS amounts, please refer to the Annexure to Form 16A (Interest Certificates available for download from Net Banking or through the nearest Branch). These certificates are issued on a quarterly basis. By comparing the interest mentioned in the Interest Certificate with the interest reflected in Form 16A (TDS Certificate) / 26AS, you can easily match the amounts.

17) What are the consequences of not linking PAN with Aadhaar?

Failure to link your PAN with Aadhaar before 1st July 2023 (will result in the PAN becoming inoperative. A higher rate of TDS (Tax Deducted at Source) and TCS (Tax Collected at Source) will be applicable in such cases.

Additionally, starting from 1st July 2023, Form 15G/Form 15H will not be accepted for inoperative PAN, and any existing Form 15G/H received before 1st July 2023 will be considered invalid until the PAN becomes operative again.

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INVEST

Demat, Mutual Funds, Bonds & Securities...

Demat

All Demat Account

If I have holdings in dematerialised form, will the bonus/ rights issued against this be in the same form?

The bonus/rights issued against holdings in dematerialised form can be either in physical or dematerialised form depending on the choice of the investor. If no choice is given, then by default the securities will be issued in the form they are currently held. Thus, if you hold some shares in physical form and some others in demat form, you will receive the bonus/rights shares in both the forms in proportion to the holdings in each form.

What is a clearing member account and how is it different from a beneficiary account?

A registered member of any of the stock exchanges that have direct connectivity with the depositories holds a clearing member account or pool account. A Pool account is used by the members to hold securities received from clients and deliver them to clearing corporations. This account is also used to receive securities from the Clearing Corporations and distribute onwards to clients.

What is 'Standing Instruction' given in the account opening form?

In a bank account, credit to the account is given only when a 'paying in' slip is submitted together with cash/cheque. Similarly, in a depository account a 'Receipt in' form has to be submitted to receive securities in the account. However, for the convenience of investors, facility of 'standing instruction' is given. If you say 'Yes' for standing instruction, you need not submit 'Receipt in' slip every time you buy securities.

Can a depository account be opened with four holder's names?

Yes, a depository account can be opened in the name of four holders but the account can be operated only for the demateralisation of shares held in the same combination. Once the shares are dematerialised the securities should be transferred and Demat Account should be closed. No shares can be credited by purchase or transferred from any other account. Hence for such accounts, the standing instruction for credits will be 'N' .

Can funds be transferred from one FCRA account belonging to one trust to another FCRA account belonging to another trust?

YES, funds can be transferred. When funds are transferred, the funds received in the recipient FCRA account are also treated as FCRA contribution.

Do I have to affix my photograph when opening a new Demat Account, if I already have an existing demat account?

Yes, you have to affix your photograph every time you open a Demat Account. You cannot give a cross reference of your existing Demat Account.

Can I open more than one demat account with only one DP in identical names?

Yes. You can open more than one demat account in identical names. There is no restriction on the number of demat accounts you can open with the same/other DP's.

How does the Insta IPIN facility work?

Insta IPIN is an online facility used to reset your NetBanking password (IPIN). Here are the steps that need to be followed to reset your NetBanking IPIN online:

Click on the link 'Insta IPIN'
Input your Customer ID number and confirm
You will then be shown a list of HDFC Bank Debit Cards that are linked to your Customer ID. You have to select any one of the linked cards.
You will then be asked to input your ATM PIN and Expiry Date.
Then you have to reset your NetBanking password (IPIN) and confirm it.

On successfully resetting your IPIN you will be asked to re-login to NetBanking using your new password.

Can someone else operate my demat account on my behalf on the basis of Power of Attorney?

Yes. If you authorize any person to operate your account by executing a power of attorney, that person can operate the account on your behalf. However, you need to submit a Notarised copy of the POA to your DP. Ensure that the POA has the signatures of both, the Donor and the Donee. The POA holder is also subject to KYC norms of the bank. However if the POA is submitted at the time of account opening, it is mandatory that the holder signs the account opening document.

Can the existing corporate demat account be continued in case of a name change?

No, a new demat account needs to be opened in the changed name, shares are to be transferred from the old account to the new account and the old account needs to be closed.

What are the documents required to submit for RGESS?

New clients need to submit Form A, Demat AOF and KYC Documents (Refer attached checklist) to the Depository Participant (HDFC Bank).
Existing clients need to submit Form A and PAN card details to nearest HDFC Bank DP servicing Branch.

What is a KYC Application Form?

A KYC Application Form has been designed for Individual and Non-Individual Demat Account Holders separately. These forms are available at the branches and are required to be filled at the time of Account Opening along with Demat Application form

What are the requirements for opening a demat account in the name of a minor?

The requirements are the same as those for opening an individual demat account except that a joint holder and nominee cannot be appointed. In addition, photograph of the minor and the guardian, proof of identity and address of the guardian and the proof of age (copy of birth certificate) of the minor is required. PAN card copy of both minor and Guardian needs to be provided.

What are the requirements to open a Clearing Member Demat Account with HDFC bank?

The requirements are the same as those to open a Corporate Demat Account . The additional documents required are:

SEBI certificate
Stock Exchange Letter

In case the clearing member is shifting his account from another DP, then the closure letter acknowledged by the other DP is also required.

Note: Clearing members are permitted to open only one account per Stock Exchange.

We already have an Equity Linked Savings Scheme (ELSS)? Why do we need RGESS?

ELSS and RGESS are entirely different schemes: They pertain to different asset classes with ELSS offering passive investment avenues. ELSS is meant for indirect participation in the stock market, whereas RGESS aims at encouraging direct participation in the stock market. The operational differences are given below:

Operational differences
ELSS	RGESS
Investments are in mutual funds	Option of investing in a wide range of securities in domestic securities market, designated IPOs, MFs, ETFs and equity shares of public sector enterprises which are categorized as Maharatnas, Navratnas and Mini-ratnas by the Central Government.
Tax Benefit under Section 80C of the IT Act which has an aggregate limit of Rs. 1,00,000 for all such eligible instruments like LIC policy, PPF etc.	Additional tax benefits under Section 80CCG, which is over and above the present tax savings schemes under the Income Tax Act 1961.
Lock-in period of 3 years	Lock-in period of 3-years. However, trading allowed after one-year, subject to conditions.

What do I need to do if I do not want a certain set of securities to be locked in for RGESS?

Incase if the customer does not want the invested set of RGESS eligible securities to be locked under the RGESS scheme, then the customer needs to submit a Form B within 30 days of such an investment for the de-listing under RGESS

Where can the client open the Demat Account?

The client can open the Demat Account with HDFC Bank under any Depository Participant of Central Depository Services (India) Ltd (CDSL) or National Securities Depositories Ltd (NSDL).

How will I be intimated about my portfolio value under RGESS?

The Depository Participant will provide a consolidated annual statement of the eligible securities invested/traded in through the RGESS designated Demat Account, to the account holder.

How do I invest through RGESS?

You can opt for this scheme by submitting Form A at HDFC Bank's DP servicing Branches at the time of opening the Demat Account.
On receipt of the form, the Bank will validate the RGESS eligibility with the regulators basis the PAN card of the First holder updated in the Demat Account.

Can i lose my Tax benefit under RGESS Scheme?

The investor may lose the tax benefits in case:

The retail investor fails to fulfill any of the eligibility criteria of the scheme
The retail investor withdraws the investment done in the RGESS.

What is the maximum investment limit under RGESS?

The maximum investment limit under this scheme to avail the tax benefit is Rs. 50,000, wherein the investor will be allowed a 50 % deduction of the amount so invested under RGESS.

What is the minimum investment limit under RGESS?

There is no minimum investment limit for RGESS

Which date is considered for the closing price for RGESS scheme?

The closing price as on the previous day of the date of trading will be considered for calculation purpose.

What are the benefits under RGESS for new retail investor?

Investors can get the returns by equity investment in top 100 BSE / CNX companies
Additional tax benefits over and above the present tax savings schemes under the Income Tax Act 1961, making it thus attractive for the investors.
The investors can churn their portfolio post the initial blanket lock-in period of one year, wherein a part of the securities can be sold during the flexible lock-in period (during the 2nd & 3rd year period), however the value of securities sold should be replenished with an equivalent value of RGESS designated securities. This also holds true for any voluntary corporate actions by the investor such as Buy-Back, Rights issue etc.
Dividends are tax free

Which securities are eligible for the RGESS scheme?

The retail investors can invest in any of the following designated securities:

Stocks listed under BSE 100 or CNX 100 & their Follow on Public Offers
Stocks of Public Sector Undertakings (PSU): Navratnas, Maharatnas and Miniratnas & their Follow on Public Offers.
IPO of PSUs with annual turnover greater than Rs.4000 cr. consistently for past 3 years
Mutual Funds (MFs) and Exchange Traded Funds (ETFs) that have RGESS eligible securities as their underlying and are listed and traded in the stock exchanges and settled through a depository mechanism

Is there any lock-in period for investments done under RGESS scheme?

Yes, the total lock-in period for investment done in each fiscal year would be spread across 3 years (Initial blanket lock-in period of one year followed with a flexible lock-in period of 2 years), commencing from the date of last purchase of securities under RGESS.

Does the customer need to open a new type of Demat Account for RGESS?

The new retail investor needs to open an ordinary Demat account to avail the benefits under RGESS, subject to the customer’s eligibility as per the criteria defined under this scheme. An existing customer can also designate his account under RGESS subject to the customer’s eligibility as per the criteria defined under this scheme.

Who can apply for Rajiv Gandhi Equity Savings Scheme (RGESS)?

Any individual who:

Is an Indian resident
Has an Annual Gross Total Income less than or equal to Rs. 12 lakhs
Has not transacted in equity or derivatives market
Is compliant with all the conditions as per SEBI guidelines

What is RGESS?

Government of India, Ministry of Finance, Department of Revenue vide their notification dated 23.11.2012, has introduced the scheme of Rajiv Gandhi Equity Savings Scheme (RGESS), exclusively for first time retail investors of India.
The intent behind introducing this scheme, as proposed in the Union Budget of 2012-13, is to encourage the savings of the small investors in the domestic capital market.

Online Trading Queries

Please write to customercare@hdfcsec.com which is a specialized cell (of HDFC securities) to address your queries related to online trading or Click Here.

How can one track the status of closure of Demat a/c?

Once the demat account is closed – The depository participant sends a closure intimation letter to the Demat registered address.

In case of any rejection (on the closure request), the rejection letter is sent to the Demat registered address. The customer may check the same by coordinating with the DP servicing branch where the request was submitted.

How to dematerialize securities in different name combination?

Names and pattern on physical certificate should match with that on the demat account. If names on security certificates are in reverse pattern but over all holders matches between Demat A/c and security certificate such securities can be submitted for Dematerialization along with Transposition Cum Demat form (ANNEXURE OA). In case physical security certificates are held jointly with a deceased person then names and pattern's of rest of holders of security certificates should match with that of Demat A/c. Such Demat request should be accompanied by Transmission Cum Demat form (ANNEXURE OB) along with Death Certificate in Original / attested by a Notary Public or by a Gazette Officer.

How can one request for duplicate Demat account statement?

Please click here to request for duplicate statement.

How can one request for a DIB / DIS ?

Customer can submit the reissue pre-printed request [which is available in existing booklet] to any of the nearest DP servicing branch
If the pre-printed request is not available – customer can submit the duly filled DIS requisition form with the ID proof & latest statement with it.

How do I change Signature?

Customer has to submit the duly filled change of signature form along with copy of the PAN card to the DP servicing branch :

Please note: New signature should be attested by respective banker, along with bank,branch seal employee name & employee code. All the Demat account holders should sign in presence of the HDFC branch officer.

How do I add Nomination?

Nomination form duly filled should be submitted to the DP servicing branch either at the time of opening your account or later.

Nomination form for NSDL accounts: Click here
Nomination form for CDSL accounts: Click here

How do I change Bank Details?

For updation of dividend/ ECS mandate for your Demat account, we request you to please submit the enclosed form duly signed by all account holders along with a copy of the cancelled cheque/bank passbook/bank letter mentioning customer name, bank account number MICR code at any of our DP servicing branch.

In case if new bank details is of HDFC Bank, supporting documents are not required.

Combined linkage / de-linkage form : Click here

How do I change Email ID?

You can change / update your email id by submitting the following form signed by all the Demat account holders to the DP servicing branch:

What is the procedure to change the address in an Individual Demat Account?

The change of address can be effected in Demat Account on submission of the following to the any DP servicing branch:

Duly completed Change of Address form(NSDL / CDSL) signed by all the Demat Account holders
Proof of identity (Any one of the following) of the first holder in the Demat account.
- Unique Identification Number (UID)
- Passport
- Voter's ID card
- Driving License
- Election Id Card
- PAN Card with photograph
- ID documents specified by Regulators / mentioned on the Change Address Form
Proof of new address (Any one of the following) of the holder of the Demat Account visiting to branch for change of address.
- Unique Identification Number (UID)
- Ration Card
- Passport
- Voter's ID card
- Utility bills like Landline Telephone Bill, Electricity Bill & Pipeline Gas Bill not more than 3 months old
- Bank Statement not more than 3 months old
- Documents specified by Regulators / mentioned on the Change of Address Form

One of the holder should visit the branch personally or authorize a representative with an original Photo ID proof for verification. Copy of latest DP transaction statement, and ID proof of representative (In case Change of address has been submitted by a representative) Client or the representative has to sign once again in front of a DP official

How to update the PAN details?

The customer has to submit the original PAN card along with the photocopy of the PAN card (self attested). The branch official will retain the photocopy of the PAN card after due verification with the Original PAN card.

In case the NRI-

The PAN card copy should be duly certified as Original seen and verified by any one of the following entities viz; Notary Public, Court, Magistrate, Judge, Local Banker, Indian Embassy/ Consulate General of the country where NRI/ FN is residing [outside India].
If the NRI is not able to authorize anyone or unable to visit the country, they may send their self attested PAN card copies directly to their home branch/ relationship manager.
The name in the Demat account should match with the name appearing on the PAN card and on Income Tax website. In case of any slight variation, another identification document/ having the name as per Demat account, needs to be submitted along with the supporting documents giving the reason of change in name.

How can one apply for Loan against securities through NetBanking?

With HDFC Bank Loan Against Securities, you now have the freedom to choose and set your own loan limit.

Who would be eligible for the Facility?

All HDFC Bank resident individual customers who have an existing Demat account with the bank can apply for Loan against their shares through NetBanking.

Benefits of HDFC Bank Loan Against Securities

Ease of application
Anytime, anywhere access
No Foreclosure charges
Dedicated LAS Helpdesk
Combines the power of loan and bank account

How to apply in 3 simple steps

1. Login to NetBanking using your Cust ID and IPIN.
2. Click on "Demat" tab and then on left hand side of the page, click on "Request".
3. Click on "Loan Against Securities" and select shares from your Demat account

View the demo of the application process here

Terms & Conditions:

Available quantity refers to the free scrips available for pledging.
Please note that the Demat holdings shown in your account are as of previous working day. The final loan limit will be based on the value and quantity available at the time of pledging of securities.
Minimum loan amount for eligibility is Rs.1,00,000 and the maximum is Rs. 20,00,000. Please adjust the quantity of scrips for pledging in case your limit is not in the range.
Please select only Equity shares for pledging.
Shares being offered for pledge should be as per the approved list of the bank. Please click here for the detailed list of securities.
Shares of minimum 2 different companies (different ISIN) need to be pledged. (Single scrip lending also available, kindly refer to our approved list for details)
The contribution of any single scrip should not exceed 65% of the total portfolio value at any point of time.
In case the Demat account is jointly held, the authorization of the joint Demat account holders would be required. Bank representative will visit you for the sign off.
Terms and conditions apply, limit setting subject to documentation being completed and signed off.
Credit is at the sole discretion of HDFC Bank Ltd.

BSDA

About Basic Service Demat Account (BSDA)
SEBI vide Circular - CIR/MRD/DP/20/2015, dated 11th December 2015, has guided all Depository Participants (DPs) to convert all eligible Demat accounts to Basic Services Demat Account (BSDA), unless such account holders opt to continue to avail the facility of a regular Demat account.
Eligibility Criteria for BSDA defined by SEBI:
- An individual can have only one Demat account, where he/she is either sole or first holder in the Demat account.
- Individuals having a Demat account where they are not the first holder, shall be eligible for BSDA where they are either sole or first holder in the Demat account.
- Individuals can hold only one BSDA in their name, across Depositories.
- Value of securities held in the Demat account should not exceed a sum of Rs.2, 00,000 at any point of time.
- The value of holdings is computed on the basis of daily closing price OR the NAV of the MF units
Features of Regular & BSDA Account to know more click here
Tariff of Regular & BSDA account to know more click here

What are the requirements for opening a NRI demat account with HDFC bank?

All documents required as for Individual Demat Account. Additional documents required are :

Why should I give my bank account details at the time of opening an account?

This is in your interest. Your bank account number will be mentioned on the interest or dividend warrant so that it cannot be encashed by anyone else. In addition to this, a DP cannot open the account if the bank account number is not provided. The account opening forms will be rejected if the dividend mandate column is not filled. The dividend mandate should be a valid Savings Bank Account (i.e. the first holder in the Demat Account should be a holder in the Savings / Current Account and the account can belong to any bank) and the MICR code (9 digits) should be mentioned if credit is required through Electronic Clearing Services (ECS). Also specimen / copy of a cheque leaf is to be provided to the DP.

As a holder, how can I change the existing mandate/bank details in my Demat Account?

You can change your existing mandate/bank details by submitting a request letter mentioning your new bank account details, duly signed by all the Demat Account holders along with a copy of a cancelled cheque leaf.

What does MICR stand for?

MICR stands for Magnetic Ink Character Recognition. If you are a Demat Account holder, you must provide this to get ECS credits in your linked bank account pertaining to Dividend / Redemption proceeds, etc.

After closure of the Demat Account, in how many days will the balance in the Advance Fee Account be refunded?

The balance will be refunded within 15 days.

Are all securities pledgeable?

All securities are pledgeable.

As a holder, how can I change the existing debit authorization in my Demat Account?

You can change your existing debit authorization by submitting a request letter mentioning your new HDFC Bank Savings / Current Account details duly signed by the Savings / Current Account holder/s.

Are there any special offers for a senior citizen on Demat Accounts ?

HDFC Bank provides special offers as mentioned below on the Demat accounts for their customers in senior citizen category

No annual maintenance charge (AMC) for the first year

Before completion of the current billing cycle, by which month I should submit Demat closure to avoid FMC for next year?

Example: My Demat account was opened in December 2010, by which month I should submit closure to avoid FMC?

For accounts opened in December, the AMC cycle will be December to November. Hence in the above case the Demat Account should be closed by 30th November 2011.

Can MF Units held in the demat form be redeemed through a DP?

Yes, DP’s also accept your instruction to redeem your MF Units held in demat form. However NAV and remittance of monetary proceeds continue to lie with the AMC.

Can a minor be nominated?

A Demat Account holder can nominate a minor, represented by a guardian. However, the guardian should not be a holder in the same Demat account.

Can all DP's access all investor account details?

No, a DP cannot access the investor accounts of any other DP.

Can an NRI be appointed as nominee?

A resident Indian or an NRI can be a nominee, subject to exchange control regulations in force from time to time. Similarly, an NRI can nominate a resident Indian or another NRI as a nominee.

Can debt instruments and Government Securities be dematerialised in the same Demat Account?

Yes, debt instruments, bonds, mutual fund units and Government Securities can also be dematerialised in the same Demat account where equities are held. However, for holding commodities a separate Demat Account must be opened.

Can DRFs be rejected? What are the reasons for rejection?

Yes, DRFs can be rejected by your DP or the Company / RTA. The reasons for rejection may be signature mismatch, incorrect holders name, certificate details mismatch between certificate and DRF, call paid receipt not attached, wrong formats used, old / defunct certificates surrendered for demat, etc. The rejected DRFs can be collected from the submitting branch or can be sent to the Investor’s address as registered for the Demat Account. Demat Account holders are informed about Demat Request Credits / Rejections through their Periodic Demat Account Statements.

Can electronic holdings be converted back to certificate form?

Yes, it can be done through 'Rematerialisation' which is the term used to convert electronic holdings back into physical certificates. You should submit your request in a Remat Request Form (RRF) to your DP. The DP will then forward the request to the Issuer / Registrar who will print the certificates and dispatch them to you.

Can I, as a sole holder of the share certificates, add one more name as joint holders at the time of dematerialising my share certificates?

No. However, if you want to transfer the ownership from your individual name to a joint name, you can first open a Demat Account as the sole holder (account A) and dematerialise the singly held share certificates in this Demat Account.

Once done, you can then open another depository account (account B) in which you are the first holder and the other person is the second holder and make an off-market transfer of the dematerialized shares from the account A to account B. Charges will be levied in accordance with the tariff applicable to your Demat Account. Alternatively, the certificates can be transferred to the joint ownership by the Company / RTA and then sent for dematerialisation directly to account B.

Can I buy and sell shares through Depository services of HDFC Bank?

No, shares can be bought and sold only through a stock broker. A DP helps in delivering the shares against a sell transaction or receiving the shares for a buy or purchase transaction.

Can I deliver dematerialised securities against obligation in the physical segment in all stock exchanges?

Yes. SEBI has permitted dematerialised securities to be delivered against obligations in the physical segment at the stock exchanges connected to the depository.

Can I dematerialise any share certificate / bond / MF SOA?

You can dematerialise almost all security / bond certificates and MF SOAs as most Companies / Fund Houses have all their security / fund types admitted with the Depository for Demat. However, only those certificates / MF SOAs that are already registered in your name can be dematerialized to a Demat Account held in the same name combination.

Can I dematerialise shares that are pledged with a bank?

Yes, you can dematerialise securities that are pledged with a bank. Prior permission of the pledgee bank with which the securities have been pledged is required. The pledgee must be ready to dematerialise the securities in its custody.

Can I dematerialise shares that are pledged with a bank, which is a DP as well?

Yes you can do this, provided you have the permission of the bank.

Can I freeze my account? What is the procedure to freeze / unfreeze a Demat Account?

Yes, the depository system provides the facility to freeze the depository accounts for debits or for both debits and credits. In an account ‘freeze for debits’, no debits will be permitted from the account till the time you unfreeze it. This is an additional security feature for the benefit of the investors. For an account which is frozen for all operations no credits or debits will take place. There is an additional feature in NSDL system which allows you to freeze a particular ISIN or part quantity of an ISIN in an investor's account.

In case of freezing, the freezing date has to be mentioned i.e. the date from when the freezing of the account is sought. (No need to mention freezing end date as the NSDL system does not provide to capture the freezing "end date"). On receipt of the request, the DP will verify that the form is duly filled in, verify the signature/s of the client and thereafter, if the request form is in order the DP changes the status of the Client's account from 'ACTIVE' to 'SUSPENDED FOR DEBIT' OR 'SUSPENDED FOR ALL'. This depends on the choice of the client from the date mentioned by the client on the form. However, to unfreeze we need the freezing "end date", i.e. the date from when unfreezing of the account is sought. If the request form is in order the DP changes the status of the client's account to 'ACTIVE' on the date mentioned by the client on the form.

Can I open an account in a single name for shares held in a joint combination of names?

No. The Demat Account must be opened in the same combination in which the securities are held in physical form.

For example, if one share certificate is in the Joint name of Mr. A & Mr. B and another certificate is in the sole name of Mr. A, two separate Demat Accounts will have to be opened, one in the joint name of Mr. A & Mr. B and another in the sole name of Mr. A. However, if Mr. A and Mr. B hold a Demat Account and if the certificates are in the names of Mr. B and Mr. A, the shares can be dematerialized in the Demat account of Mr. A and Mr. B. *Also refer to "Transposition" for more details.

Can I pledge dematerialised securities?

Yes. In fact, pledging dematerialised securities is easier and more advantageous as compared to pledging physical securities.

Can lock in shares be dematerialised?

Yes, lock in shares can be dematerialized.

Can locked-in securities be pledged?

Yes, locked-in securities can be pledged.

Can odd lot shares be dematerialised?

Yes, odd lot share certificates can also be dematerialised.

Can partly paid up shares be dematerialised?

Yes, provided there is a separate ISIN allotted to the partly paid security.

Can the nominee be changed?

Yes, you can change the nomination anytime by simply filling up the nomination form once again and submitting it to the Depository Participant. The account holder, nominee and two witnesses must sign this form and the name, address and photograph of the nominee must be submitted. In case of joint holders, all joint holders must sign.

Can there be a mix up of securities of different companies held in one Demat Account?

Each security, even of the same issuer, are given a separate ISIN so they can be identified and maintained and accounted for separately, within an account. Therefore, there is no question of any mix up by the DP.

Do I have to keep any minimum balance of securities in my account?

No, there is no prescribed minimum balance. You can have zero balance in your account.

Do my dematerialised securities have distinctive/ certificate numbers?

No, your dematerialised securities do not have any distinctive/ certificate numbers. These shares are fungible, which means that 100 shares of a security are the same as any other 100 shares of that security.

Does the customer have to necessarily operate his demat account from the same branch where the account is opened?

No, an HDFC Bank customer can operate his demat account from any of the depository branches in India.

Does the Depository Participant have the right to suspend a Demat Account?

The Depository Participant has the right to suspend a Demat Account in case it receives an order to that effect from the Depository, the Income Tax Department, a Court of law or any other regulatory body, or for non-payment of charges to the Depository Participant. Once the account is suspended no transactions are allowed in the account but benefits arising due to any Corporate Action are still credited to the suspended account. The DP will intimate the client of the suspension of his account.

How can a Demat Account holder/s apply for a new delivery instruction booklet?

A Demat Account holder/s can apply for a new delivery instruction booklet by submitting a duly completed request letter signed by all the holders. The booklet is then dispatched to the Demat Account holder’s address.

How can I, as an NRI Demat Account holder with no representative in India get the address changed in my Demat Account without visiting branch personally?

As per NSDL circular (NSDL/PI/2004/1622 dated September 7, 2004 & NSDL/POLICY/2008/0040 dated June 4, 2008) either you or your representative must personally visit the Branch to change the address.

If you, or your representative, are unable to submit/show original documents at the Branch then photo copies of the address proof and ID proof should be further attested (along with self attestation) by any one of the entities viz; Notary Public, Court, Magistrate, Judge, Local Banker, Indian Embassy / Consulate General of the country where NRI/FN is residing (the attestation to the effect that it has been verified with the originals).

Also, COA application and documents must be submitted to the branch by your representative who is residing in India.

So in a case where you are abroad, you will have to send all signed documents to your representative (who is in India) along with original COA application and your representative will submit the COA in the Branch. The branch will take the signature and ID proof of your representative along with documents and will send to the documents to the DPCPU.

How can I close the pledge after repayment of my loan?

After you have repaid your loan, you can request for a closure of the pledge by issuing written instructions in the prescribed standard format. The pledgee, on receiving the repayment, will instruct the DP to confirm the closure of the pledge or instruct the DP to close the pledge unilaterally without awaiting any instruction from the pledgor.

How do brokers deliver securities bought by clients?

After brokers receive credit in their clearing member pool accounts, they will be able to transfer securities to clients’ accounts for purchases made through them. They have to instruct their DP through DIS to debit their Clearing Member Pool Accounts to that extent stating their clients’ Demat Account numbers and the DP IDs of the clients’ participants.

How do I close a Demat Account held with Pending Demat, when the company is a defaulter?

You have to submit the pending Demat cancellation letter (as per format) along with a Demat closure request. After scrutiny of the documents, the DP will initiate cancellation of the pending Demat request and then proceed with the closure.

How do I demat shares with Pre-Marital / Maiden names?

In such cases you need to submit a signed declaration requesting the Company / RTA to dematerialise physical certificates held in your maiden name to your Demat Account held in your married name. You also need to submit a Notarised / Gazette Attested copy of your marriage certificate and the DRF when you give such shares for dematting. The marriage certificate should clearly reflect the change in name due to marriage. Additional Self Attested ID Proof, held in married name, may also accompany the request to strengthen your case. However shares held in a married name may not be dematted to a Demat Account held in a maiden name.

How do I transfer Bonds with locked in status from my Demat account?

Transfer of lock-in shares happens at NSDL instead of by the DP. You need to co-ordinate with Company / Registrar and NSDL to transfer lock-in shares.

DP's role:
	1> DP will issue a letter confirming the receipt of DIS with details.
	2> Verify the signature.

How do I transfer securities / bonds with "Inactive ISIN" or under locked in status?

Currently, Depository Participants are not facilitated to transfer securities / bonds with Inactive ISIN or under locked status. However in case of demat account closure by transferring all holdings to another demat account held in identical holding pattern, the DP can request the Registrar / Issuer for such transfers. Same is also applicable for demat account closure due to transmission.

How do you calculate pro-rata FMC on closure?

Demat Account opened in	Aug-10
AMC billing cycle	August to July
Demat Account closed before 31-Oct-2010	refund for 3 quarters i.e. 75% of AMC
Demat Account closed before 31-Jan-2011	refund for 2 quarters i.e. 50% of AMC
Demat Account closed before 30-Apr-2011	refund for 1 quarter i.e. 25% of AMC
Demat Account closed after 30-Apr-2011	NO REFUND

How does the broker deliver securities to the Clearing Corporation (CC) in case of a delivery obligation?

The broker will receive delivery obligations from the Clearing Corporation. The broker has to instruct the Participant by submitting an instruction slip in the prescribed standard format and delivering the securities to the Clearing Corporation before the pay-in for the respective settlement.

How does the broker receive securities from the Clearing Corporation?

The Clearing Corporation will inform Depositories of the receipt entitlement of the broker who in turn will credit the clearing member pool account to that extent as payout.

How long will the dematerialisation process take?

NSDL has mandated 7 days and 15 days from the date of receipt of the DRF for the DP and the Company/RTA respectively to process an Investor’s Demat request. The entire dematerialisation process will normally take about 30 days.

How many Depositories are there in India? Who regulates them?

There are two depositories in India - National Securities Depository Limited (NSDL) and Central Depository Services (India) Limited (CDSL). SEBI is the regulating authority and it governs the functioning of both Depositories.

The National Securities Depository Limited (NSDL) is an organization established to provide an electronic depository facility for securities traded in the Equity and the Debt markets. NSDL has been registered by Securities Exchange Board of India (SEBI) on June 7, 1996, as India's first depository to facilitate settlement of securities in dematerialized form. NSDL had commenced its operations on November 6, 1996.
The Central Depositories Services (India) Ltd. (CDSL) was the second depository to be granted the commencement certificate by SEBI on February 8, 1999. CDSL was inaugurated on July 15, 1999.

How many nominees can be appointed?

Only one person can be nominated, whether the Demat Account is held singly/jointly.

How to dematerialize Mutual Funds?

Customer needs to submit the latest physical SOA (Statement of Account) along with CDSL or NSDL Conversion Request Form (Annexure B) to the DP servicing branch. Names and pattern should match between Demat A/c and physical SOA. In conversion of Mutual Funds transposition or transmission of holders during conversion is not available.

How will I come to know that my application for public issue in electronic form has been accepted?

The issuer company/ their R & T agent will forward you the allotment advice giving the number of shares allotted in dematerialised form.

How will I confirm that bonus/rights entitlement is credited into my account?

An allotment advice will be sent by the issuer/ their Registrar & Transfer (R & T) agent for bonus/ rights entitlement. The transaction statement sent to you by the DP will show the bonus/ rights credit into the account. The quantity shown in the advice and the transaction statement should match.

How will I receive dividend/interest, if any, on the securities I am holding?

Depositories give the issuer/ R & T agent of the security for which dividend has been announced, a list of beneficial owners as of the record/book closure date. Based on this list provided by the Depositories, the issuer/ R & T agent will forward to you a dividend warrant or directly credit your bank account (specified by you in the Demat Account Opening Form), depending on the mode of disbursement chosen by the company.

I am an investor and I rarely transact in my depository account. Will I still receive statements?

Yes, annual holding statements are sent to all Depository accounts' holders, even those who have not carried out any transactions in the relevant year. The customers opted for statement by email facility will get statements through email.

I have a Resident Demat Account and currently I have been posted overseas for work. Do I need to open a new NRI Demat Account or I can continue with my existing Resident Account?

As per section 6(5) of FEMA, NRIs can continue to hold the securities (on a non-repatriable basis) that they had purchased when they were resident Indians, even after they have become non-resident Indians.

What if I have lost/misplaced my slip/instruction booklet?

You have to immediately intimate the bank by submitting a letter / Stop Instruction Format (available with the branch) mentioning the details of the slip/booklet lost, duly signed by all the holders and request for a fresh booklet. A "Stop Instruction" will be marked against all the unused slips to avoid misuse of the slips.

What is the procedure to be followed if I want to change my existing signature recorded with the DP?

You have to give a request letter clearly defining your old and new signatures, your proof of identity and a specimen signature card with your new signature. You have to state the reason for your new signature.

Why should I dematerialise my securities?

You should dematerialize you securities because:

SEBI has mandated delivery of stocks only in the dematerialized form; hence if you hold physical certificates you may not be able to sell them immediately.
Physical holdings need to be maintained by you and protected from loss, theft, mutilation, fire etc. In case of Demat holdings these worries are taken over by Depository Participant (DP) wherein holdings are maintained electronically by the DP in the Investors Demat Account.
A transfer of Demat Holdings is a simple process and can be done by submission of a single page signed delivery instruction slip to the DP. These transfers can also be done from the convenience of your home or office through the Internet. Demat Holdings are automatically received in your Demat Accounts.
Convenience of maintenance: Securities held in Demat Accounts are extremely convenient to maintain. For eg. A single request to update your address or dividend bank mandate needs to be submitted for a single Demat Account and the updated details will be applicable to all securities held in this Demat Account. Comparatively, if the securities are held in physical form you will have to submit requests individually for each company/security.
The Depository System in India has become very popular and most brokers refuse to deal with physical holdings.

More and more instruments are being made available to hold shares in Demat form, the latest being Mutual Fund Statement of Account (SOA). With this you can hold, view and maintain all your investment categories i.e. equity, debt, mutual funds, etc. under a single Demat Account.

What is the procedure to change my address in a Corporate Demat Account?

You can change the address in your Corporate Demat Account by submitting the following:

Duly completed Change of address form signed by the authorized signatories as per the mode of operation with the rubber stamp of the company.
Proof of address of the corporate (Document registered with ROC, acknowledged copy of Income Tax return/ Bank Statement/ Leave & Licence agreement/ Copy of Agreement for purchase of premises / Copy of Landline telephone bill not more than 2 months old (not WLL or Mobile Bill) / Electricity Bill (not more than 2 months old).
Latest transaction Statement of your Demat Account.
The authorized signatory needs to visit the DP and submit the request personally and carry photo ID proof (original) for verification.
The authorized signatory needs to sign once again in front of the DP official.

What documentation is required for Demat request submission?

Original physical certificates are submitted along with an application called a Demat Request Form (DRF). Similarly original MF SOAs are submitted along with a Conversion Request Form (CRF). Both these forms are available on our website under Forms Centre.

Should a separate Dematerialisation / Conversion Request Form be filled for each ISIN?

Yes, a separate Dematerialization Request Form should be filled for each ISIN. However multiple ISIN’s belonging to the same holders under the same folio and fund house may be submitted for conversion under a single Conversion Request Form.

Should a separate DRF / CRF be filled for locked-in and free securities?

Yes, they should because the quantity of locked-in securities / MF units requested for dematerialisation / conversion will be tagged with the lock-in release date on receipt of relevant the credit in the Investor’s Demat Account while free securities / MF units requested for dematerialisation / conversion will be reflected as free balance on receipt of relevant the credit and will be transferable and saleable without any such restrictions.

I want to register for the SPEED-e facility to trade in shares online?

You cannot trade, i.e. buy or sell, through Speed-e. By using Speed-e facility, you can only submit the instruction electronically through the Internet. You don’t have to register for Speed-e only to trade. However to buy or sell securities, you can use the e-brok facility of HDFC Securities Ltd. by opening a trading account.

Procedure for registration for Speed-e Password Based users is as given below :

1) Register the depository account on the speed-e website- https://eservices.nsdl.com. Fill the on-line registration form by choosing a User ID and Password and then submit the printed form duly signed by all the account-holders (in case of joint-holdings), as per the mode of operation specified in the board resolution for speed-e services (in case of Corporates). Make a note of the login ID, password and registration request no. generated. In the case of Corporates, the customer has to be an official of the Corporate. The user name cannot be the name of the Corporate.
2) Agreement between the Depository Participant and the Client for participant in speed-e on a non-judicial stamp paper of Rs. 300. The same can be franked for equivalent value.
- Signatures on the bottom of each page of the agreement (all holders/as per the mode of operation for corporates )
- The agreement has to be signed by all the holders in the space marked as (X).
- Witnesses' names and addresses must be duly filled and signed.
3) Consent letter of the Pre-Notified Clearing Member on their letter head (for each CM BP ID duly signed by the Clearing Member (Authorised Signatory) and the Demat Account holders in the respective columns.
4) Power of Attorney Agreement for Speed-e on a non-judicial stamp paper of Rs. 100 duly notarized.
- POA has to be executed only in case of Joint holders/Third party POA holders.
- The POA has to be signed by all the holders in the space marked as (X).
- POA holder will be the Speed-e User.
5) Proof of identity and address of the account holders and Power of Attorney holder duly attested by HDFC bank Staff.
6) Board Resolution, required in case of Corporates (as per the format attached)
7) True Copy of Memorandum & Articles of Association (only in case of Corporates)
8) Checklist duly signed by all the holders/ Authorised Signatories (in case of Corporates) and POA holder / Speed user (in case of Corporates). The checklist has to be signed in presence of the DP official.

All the holders of the demat account / POA holders/ Speed-e user have to personally visit their nearest branch offering depository services along with the original documentary proof of Identity and address) and submit the documents.

If I am allotted securities in dematerialised form, but the details regarding my beneficiary account are incomplete/ wrong, will I get physical delivery of allotted securities?

Yes, in such a case securities will be dispatched in physical form.

If I am allotted securities in dematerialised form, when will I get the electronic credit in my account?

If securities are allotted in the dematerialised form they will be credited to your account on any day between the allotment date and listing date, at the discretion of the company.

If I have sold through the clearing member, how do I deliver securities?

The clearing member shall have to provide particulars such as Clearing Account Number (CM BP ID), Market type and the settlement number to you. You will authorize your participant by submitting the DIS to transfer securities from your account to the clearing member's pool account.

If the Standing Instruction is “N” in an NRI Demat Account, then how can I get credit of shares allotted through Auto Corporate action without opting for a PIS Account?

Corporate benefits may be in the form of rights, bonus, etc. These are automatically credited to the Demat Account if the Standing Instruction is “N” in NRI Demat account.

In how many days will the FMC be credited on pro-rata basis in my Bank account after closure?

The FMC will be credited within 8 days of closure.

Is the 'DP@Net' facility accessible only by the first holder of the Demat Account?

Yes, the facility is accessible only to the first holder of the Demat Account provided the Customer ID is mentioned on the registration form and is registered for NetBanking.

Is the 'DP@Net' facility free?

Yes, it is a free facility.

Is there a separate login/password for the 'DP@Net' facility?

No, there is no separate login/password for the facility. You have to use your NetBanking login/password to access your Demat Account.

Is 'DP@Net' facility accessible to all the customers?

DP@Net facility is accessible to a CASA customer who is Registered for Net Banking and is the first Account holder in the Demat Account
DP@Net facility is a value added service provided by the Bank to its CASA customers holding Demat Account, for them to view their Demat Account details Online through Net Banking.

Is the facility of delivering dematerialised securities in the physical segments of the stock exchanges available only for those securities that are to be compulsorily sold in the demat segment of stock exchanges by institutions?

No. Dematerialised securities of all the companies that are eligible for dematerialisation can be delivered against obligations in the physical segment. This also applies to delivery against auction of securities in the physical segment.

Is transmission cum transposition possible under the same demat request?

Yes, transmission cum transposition is possible under the single demat request.

To whom is KYC applicable?

All holders (Individuals or Non-Individuals) who wish to open a Demat Account are required to fill the KYC Application form. In case of Minor as a Demat Account Holder, Both the Minor & the guardian are required to fill the KYC Application form.

What are Market transactions?

Market transactions are transactions that are executed on the floor of the exchange. In these transactions securities are transferred from a Beneficiary Account of an investor to a Clearing Member Account of a broker to ensure delivery of securities to the stock exchange and vice versa.

What are the KYC requirements for a Demat Account?

ALL Demat Account Holder(s) will have to fill the KYC application form at the time of Demat Account Opening. ALL the holders are required to submit self - attested copies relevant & valid Proof of identity and Proof of Address. Self- attested PAN Card Copy is mandatory for ALL the holders to submit. Photgraph of the Demat Account Holder (s) to be affixed on the KYC application form with across signature

What happens if the execution day given in the instruction is an NSDL business holiday?

In case the execution day is an NSDL business holiday the next working day is taken to be the execution day.

What happens when brokers find that their clients have not delivered the shares they have sold before the deadline of respective settlement?

If clients do not deliver the shares brokers have sold to them before the deadline of respective settlement, the share will be auctioned at a higher rate than their current rate. However, brokers could deliver the securities themselves, honour the commitment to the market and settle the matter subsequently with their clients.

What happens when there is a corporate action announced?

As and when there is a corporate action announced, depositories will give the list of beneficial owners as on record date to the registrars/issuers so that the corporate benefits can be distributed.

What is Dematerialisation (demat)?

Dematerialisation is the process of converting securities held in physical form (certificates) to an equivalent number of securities in electronic form and crediting the same to the investor’s Demat Account. Dematerialised securities do not have any certificate numbers or distinctive numbers and are dealt with only in quantity i.e. the securities are fungible.

What is Easi and Easiest facility?

EASI (Electronic Access to Securities Information) is a convenient and easy-to-operate Internet based facility, which allows registered Beneficial Owners (BOs) and Clearing Members (CMs) to access their Demat Accounts through the Internet to check the details of their holdings and/or transactions anytime and anywhere through CDSL's website www.cdslindia.com.

CDSL's Internet based facility EASIEST (Electronic Access to Securities Information and Execution of Secured Transactions) permits CMs of BOs to submit off-market, on-market, inter-depository and early pay-in debit instructions from their Demat Accounts. Moreover, all the facilities and benefits of EASI are automatically made available to a subscriber of EASIEST.

What is meant by Pledge of securities?

Beneficiary Account holders who do not want to sell their shares but wish to avail of advances against dematerialised shares can take loans by marking pledge/lien against those shares. There are two parties involved under the pledge, Pledgor (borrower) and Pledgee (lender). Certain set procedures need to be followed in case of a pledge transaction.

What is Rematerialisation (remat)?

Rematerialisation is the process of converting securities from electronic form to physical form.

What is the advantage of getting allotment in demat form?

SEBI has announced that the shares of all companies going for Public offer will have to be compulsorily settled in demat form by all investors. It is therefore advantageous for an investor to prefer the allotment in demat form so that the shares have higher liquidity.

What is the basic difference between registering for Ebrok and DP@Net?

If you are registered for DP@Net you can able view/download your Demat Account balance (with previous day market value,) transaction statement by logging into the HDFC Bank website. You will not be able to execute any transactions on the net. However, if you are registered for Ebrok then you will be able to execute your transactions by logging on the Ebroker's site. The main advantage of Ebroking is that you need not submit a physical slip to the Depository Participant. All your transactions can be executed over the net. (excluding Off Market Transactions)

What is the difference between an NRE Demat Account and an NRO Demat Account?

Funds brought in from abroad are permitted to be used in an NRE Bank account. Investments made from such funds can be repatriated, i.e. proceeds from sale or otherwise from such investments can be taken abroad. Such investments are maintained in a (NRE Demat Account) Repatriable Demat account.

With regard to an NRO Bank account, investments made from such funds cannot be repatriated, i.e. proceeds from sale or otherwise from such investments cannot be taken abroad. Such investments are maintained in a (NRO Demat Account) Non-Repatriable Demat account.

What is the 'execution date' given in the delivery instruction form?

The ‘execution date’ is the date on which securities will be actually debited from your Demat Account. The execution date could be the same day or any future date. The system will debit your Demat Account only on the execution date mentioned on the delivery instruction slip. Please note that Off-Market instructions with same day execution and On-Market instructions received after 4.00 p.m. for next day Pay-in will be accepted and processed at your risk and responsibility.

What is the mode of refund of the Advance Fee Payment Account?

The mode of repayment is a Demand Draft.

What is the procedure for nomination?

The nomination form duly filled should be submitted either at the time of opening your account or later. The account holder, nominee and two witnesses must sign this form and the name, address and photograph of the nominee must be submitted.

What is the procedure for receipt of securities in demat form in case of purchase of securities?

Purchasers of securities can give a one-time standing instruction to their DPs to receive securities in their accounts i.e. credit in the Demat Account. This standing instruction can be given at the time of opening the account or later. Alternatively, investors may choose to issue a separate receipt instructions every time they purchase securities.

What is the procedure for transmission to surviving holder(s) / nominee(s) in case of the death of the account holder?

In case of the death of the joint holder, the surviving holder(s) should hold a Demat Account in the same name and order. For e.g.: in a Demat Account held by A,B and C, if B dies then the account should be held/opened in the name of A and C only for transmission to happen.

The surviving holders must submit the following:

Duly filled transmission form
Original Death Certificate OR a notarised copy of Death Certificate
Attested copy of the client master list of the account of the surviving holders in case the account is held with another DP.

In case of death of the sole holder, two possibilities arise:

With Nominee – The requirements apart from those detailed above are:

Nominee should have a Demat Account in sole name
Duly filled transmission form
Death Certificate in original or a notarised copy of the Death Certificate
Identity documents of Nominee. This could be a copy of the PAN Card, Voter's Identity Card, Driving License or Passport

After verifying these documents the DP will transmit the securities to the account of the nominee.

Without Nominee – There are two scenarios:

A. Value of Securities in the Demat Account of the deceased is less than Rs.1 lakh. The documents required are:

Nominee should have a Demat Account in sole name
Duly filled transmission form
Original Death Certificate or a notarised copy of the Death Certificate
Identity documents of the nominee. This could be a copy of the PAN card, Voter's Identity Card, Driving License or Passport

B. Value of securities in the Demat Account of the deceased is more than Rs.1 lakh. The documents required are:

Duly filled transmission form
Death Certificate in original or a notarised copy of the Death Certificate
Succession Certificate or Letter of Administration or Probated Copy of the will.

What is the procedure for Ebrok registration?

You have to submit the required forms with an approved Ebrok intermediary to register.

What is the procedure to be followed if I want to change my existing signature but am unable to sign due to old age/paralytic stroke?

You have to give a request letter mentioning the facts, affidavit on Rs. 100 stamp paper with your thumb impression duly attested by a Gazetted Officer/ Notary, your proof of identity and a doctor's certificate. However, your thumb impressions on subsequent instructions/ requests have to be notarised before submitting any documents to the Depository Participant.

What is the procedure to change a name in NSDL and CDSL (Corporate Demat Account)?

Change of name is not allowed in case of amalgamation / scheme of arrangement. For the rest of the cases the checklist is as below:

Documents required to change the name in the case of Corporates [NSDL]

In case the entity is registered under the Companies Act, 1956, the following documents should be obtained from the Client:

Letter requesting change of name signed by the authorized signatories.
Certified true copy of fresh certificate of incorporation consequent upon change of name issued by the Registrar of Companies.
Certified true copy of Board Resolution for change of name.
List of authorized signatory (ies) along with their specimen signature(s) and company seal (that can be given on company new name letter head).

In case of other corporate entities, the following documents should be obtained from the Client:

Letter requesting change of name signed by the authorized signatories.
Certified true copy of Board Resolution for change of name.
Certificate of registration issued by SEBI / relevant Statutory Authorities, as applicable.
List of authorized signatory (ies) along with their specimen signature(s) and company seal (that can be given on company new name letter head).

Procedure for change of name [CDSL Corporate Demat Account]

If the corporate, Flls and CMs desire a name change the DP need not open a new account. The same can be modified by CDSL. The DP should forward to the CDSL the following:

i. Letter from Corporate / Flls / CMs requesting change of name.
ii. Certified copy of Board Resolution where the change of name has been approved.
iii. Certified copy of
- a) Fresh Certificate of Incorporation issued by Registrar of Companies (ROC)
  OR
- b) Registration Certificate from SEBI in case of Flls / CMs
iv. List of authorized signatory (ies) along with their specimen signature(s) and photograph(s) duly verified by Managing Director / Company Secretary.
v. Copy of letter from Stock Exchange where the CM is a member acknowledging change in name in case of CM.

In the case of CM settlement related accounts, if the SEBI registration number / CMID / Trading ID undergo a change, a new account has to be opened. Change of name should not be carried out on the existing account.

What is the procedure to close a Demat Account and delink a Savings Account where the Demat account has only one security with an Inactive ISIN?

With regard to TCW cases, annexure A (as per format attached)
is filled and forwarded to the Demat team to forward it to the RTA / Issuer. Depending on the action taken by the RTA / Issuer, such cases are reviewed on a fortnightly basis.
In case of a normal closure, such accounts are then suspended for debit and credit, and intimations are sent to customers.

What is the procedure to open an NRI Demat Account from overseas without visiting a Demat Service Branch in India?

You can approach a Representative Office. Kindly provide the list/linked of the designated branches with the address.

Requirements to Open a NRI Demat Account:-

PAN Card (Mandatory)
Passport Copy (Photocopy)
Passport Size Photograph
PIS Account (Optional)
Visa Copy (The visa could be either in the passport or given separately)
Cancelled Cheque leaf copy / Bank Statement for dividend details
Proof of foreign address and local address (if any)

You can open an NRI Demat Account from overseas without visiting a Demat Services Branch called a non face-to-face account. In such a case, the account opening form and photocopies of the KYC documents and PAN card should be duly signed by you and

Photocopies of the KYC documents and PAN card have to be attested by any of the following: Notary Public, Court, Magistrate, Judge, Local Banker, Indian Embassy / Consulate General of the country where NRI/FN is residing outside India and The attestation is to the effect that it has been verified with the originals.

What is the procedure to open an Advance Fee Account?

You need to provide an Account Payee cheque for Rs. 7,500 along with the Demat Account Opening form. The cheque should be issued in favour of HDFC Bank Limited – Customer’s name. The account will be opened subject to clear funds.

What is the process for transfer of shares?

In order to transfer securities from your Demat Account to another Demat Account, you need to submit a delivery instruction slip (DIS) signed by all the demat account holders. Please note that all the relevant columns in the delivery instruction slip needs to be appropriately completed and blank columns to be strike off. Kindly note, that the execution date may preferably be a minimum of 24 clear working hours later than the date of submission of the instruction. In case of off-market transfer, the customer has to submit the reason (for transfer of shares) along with consideration amount (if any) to the DP servicing branch
Also note, that transfer of shares cannot be done based on the e-mail intimation, for security, authentication purposes.

What is transmission?

Transmission of securities arises as a result of the death of the sole/any one of the joint Demat Account holders. Consequently, the securities lying in the Demat Account of the deceased are transferred to the Demat Account of the surviving holders in the same order. If the Demat Account of the surviving holders does not exist in the same order, then a new Demat Account will need to be opened. The main advantage in transmission of dematerialised holdings is that the transmission formalities for all securities held with a DP can be completed in one go, unlike in the case of physical certificates where the claimant will have to interact with each issuing company or its R & T agent.

What is Transmission Cum Demat?

In case any of the holders in a jointly held physical certificate expires and is / are survived by a single / joint holders in the physical certificate, then this certificate can be submitted for demat to a Demat Account held by the surviving holder(s) as present on the certificate. This request, called Transmission cum Demat, can be processed by a DP on receipt of a DRF, original physical certificate, Transmission Cum Demat Form, Original / Notarised / Gazette Attested Death certificate.

What is Transposition Cum Demat?

Physical certificates jointly held can be dematted in a Demat Account held by the same holders, irrespectively of the order of holding in the demat account, if the demat request is accompanied by a Transposition cum Demat form. For eg: Physical certificates held by A and B or by A, B and C can be submitted for demat to a Demat Account held by B and A or by C, B and A respectively.

What should I do when I have received a letter (option letter) from the company asking for my option as to whether I want physical shares or dematerialised shares after transfer?

As per a circular received from The Securities and Exchange Board of India (SEBI), bearing reference SEBI/MRD/Cir-10/2004 dated February 10, 2004, the facility of transfer-cum-demat has been withdrawn.

When will I receive Depository transaction statements?

Demat statements are sent monthly in case of any transactions or annualy by default. The customers opted for statement by email facility will get statements through email.

When will the transaction statement reflect my purchase/sale of shares?

Your Billing-cum-Transactions statement will reflect actual Debits or Credits of holdings in your Demat Account and has no bearing on the Contract Date of the Sale/Purchase.

Where I can view my transactions/holdings online?

Depository Account holders who have registered for the ‘DP-on-the-net’ facility can view their current holdings along with the market value. Transactions can be viewed only for the last one year. However, the date range should not exceed 10 days. You can also download your latest holding statement as well as your Transaction statement of the last 3 months. To avail of the ‘DP-on-the-net’ facility you should be registered for the Netbanking facility.

Who do I contact in case I want to change my password or inquire about other related queries pertaining to Ebrok account?

You have contact the Ebrok intermediary for any queries pertaining to your Ebrok account.

Who is an Issuer (Company/ Registrar & Transfer Agent)?

An Issuer is a Company that issues securities in physical or electronic form. Some Issuers outsource their work related to issuance of securities, dematerialisation and record keeping to Registrar and Transfer Agents (RTA).

Who will receive corporate action benefits on the pledged securities?

Even after the securities are pledged, the pledgor continues to remain the beneficiary holder of those securities and will receive benefits of a corporate action, if any.

Will I get back the same certificates after rematerialisation?

The registrar will print new certificates with a new range of certificate numbers. You will usually be allotted a new folio number. However, if you already have an existing folio number you may be allotted the same number.

How to close Demat Account?

To close your Demat Account, please submit the attached form (links mentioned below) to any of our DP servicing branch. The form has to be duly signed by all the account holders.
Form for NSDL account: Click Here.
Form for CDSL accounts: Click Here.
If there is any holding in the Demat account this should be transferred before closure by Delivery instruction slip (DIS), which requires a valid Demat Account number. If there is a pending de-materialisation, the Account cannot be closed. However Demat Account holders can request the DP to Cancel their Pending Demat Request electronically in the Depository system.
Demat account closure request can be done on the basis of e-mail subject to Customer is single holder/ with Nil holding/ Nil outstanding dues.
We request you to provide de-linking instructions separately for e-broking/ online trading account. You may also contact HDFC securities at customercare@hdfcsec.com to get additional clarifications.

Where can I view my Transactions cum Billing statement on-line ?

Your Transaction cum Billing statement will be available on Netbanking under Demat tab-> Enquire-> Transaction statement, by second week of every month with option to view/download.

How can i view my transaction cum Billing statement on-line?

'The Depositories (NSDL & CDSL) have started dispatching consolidated Account statement (CAS) to the customer w.e.f March 2015, hence dispatch of physical statement will be discontinued'. Your Transaction cum Billing statement will be available on Netbanking under Demat tab-> Enquire-> Transaction statement, by second week of every month with option to view/download.

All 2 in 1 Account

How do I invest through RGESS?

Investments for RGESS are made through the Demat Account. Eligible securities brought through the Demat Account will automatically be subject to a lock-in during the first year. The investor cannot trade, pledge or hypothecate the any eligible securities during this period. Trading of these securities is allowed after completion of fixed lock-in period under certain terms & conditions.

How many bank and depository accounts can I link to a trading account?

You can link up to five HDFC Bank Saving Bank accounts and five HDFC Bank Demat accounts to your trading account.

In how many days will the shares be credited in a Demat Account from the date of Purchase?

Settlement of securities happens on a T+2 day cycle. Clearing Members (broker) get pay-out of securities as per the trading cycle, i.e. T+2 days, and Clearing Members in turn give pay-out to their respective clients. Hence, it depends when the broker transfers shares into the Demat account of purchaser. (As per SEBI guideline, brokers need to transfer the securities from their pool account within 24 hours from the date of pay-out).

Who can open a Securities Trading account with HDFC securities?

Any Indian resident/Non-resident individual (not US-based) or Indian corporate can register with HDFC Securities Ltd. to trade in securities. Currently, overseas corporate bodies (OCBs) cannot open an account with HDFC Securities. To become a registered user of HDFC Securities, you will have to first open a Savings/Current account and Demat account with HDFC Bank.

What products can I trade in using my trading account?

You can trade in Equity & Derivatives, IPOs, NCDs and Infrastructure Bonds. For more information click here.

Who can trade in derivatives with an HDFC Securities Trading Account?

Trading in Derivatives will be available only to those customers who have submitted their financial documents or income proof and signed the necessary agreements.

For more information click here

Mutual Funds

Which Mutual Funds are ISA enabled?

List of Mutual Funds ISA

AIG Mutual Fund	OD Addendum Fact Sheet
Axis Mutual Fund	OD Addendum Fact Sheet
Bharti AXA Mutual Fund	OD Addendum Fact Sheet
Birla Mutual Fund	OD Addendum Fact Sheet
Canara Robeco Mutual Fund Fund	OD Addendum Fact Sheet
Deutsche Mutual Fund	OD Addendum Fact Sheet
DSP BlackRock Mutual Fund	OD Addendum Fact Sheet
Edelweiss Mutual Fund	OD Addendum Fact Sheet
Fidelity Mutual Fund	OD Addendum Fact Sheet
Franklin Templeton Mutual Fund	OD Addendum Fact Sheet
HDFC Mutual Fund	OD Addendum Fact Sheet
HSBC Mutual Fund	OD Addendum Fact Sheet
ICICI Prudential Mutual fund	OD Addendum Fact Sheet
IDFC Mutual Fund	OD Addendum Fact Sheet
ING Mutual Fund	OD Addendum Fact Sheet
JM Mutual Fund	OD Addendum Fact Sheet
JP Morgan Mutual Fund	OD Addendum Fact Sheet
Kotak Mutual Fund	OD Addendum Fact Sheet
L & T Mutual Fund	OD Addendum Fact Sheet
Mirae Asset	OD Addendum Fact Sheet
Morgan Stanley Mutual Fund	OD Addendum Fact Sheet
Reliance Mutual Fund	OD Addendum Fact Sheet
Religare Mutual Fund	OD Addendum Fact Sheet
SBI Mutual Fund	OD Addendum Fact Sheet
Sundaram Mutual Fund	OD Addendum Fact Sheet
TATA Mutual fund	OD Addendum Fact Sheet
UTI Mutual Fund	OD Addendum Fact Sheet
BNP Paribas Mutual Fund	OD Addendum Fact Sheet
Pramerica Mutual Fund	OD Addendum Fact Sheet

How can I close my Online Mutual Fund Account as well as the Bank account linked with it?

To close your Online Mutual Fund account as well as the linked Bank account, you will need to redeem or transfer all your Online Mutual Fund holdings to physical mode. Once this is done, the Online Mutual Funds Account can be closed. After closure of the Online Mutual Funds Account, the linked bank account can be closed.

Please note that both the above options require a written request in the attached format. Please submit the form, duly filled at your account branch.

Kindly visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers: PhoneBanking

The above URL gives you access to the various contact points to get in touch with us through the Customer Center.

Why do I need to give my income details? How can I be sure that it will not be misused?

As per PMLA, it is mandatory for Mutual Funds to obtain financial status details from investors. It is for this reason that your income details are sought. Please note that no proof/income documents are required. The information given to you in the KYC Application form will be treated as confidential and used for regulatory purposes, if called for.

I am an NRI residing outside India. How do I get myself KYC Compliant?

The soft copy of these KYC forms will be made available on the website of all mutual funds, AMFI and Central Depository Services (India) Limited (CDSL). You may also approach your distributor for a form. The same duly completed along with the necessary attested documents can be submitted at the PoS or mailed to your representative or distributor who can complete the KYC formalities for you.

If I change my address/Bank account /Nomination, what do I need to do?

For all changes in account profile, or bank account linked for purchases or redemptions, contact the nearest branch and fill in a form to get the change done.

In case of existing investors, when and how will the KYC norms be introduced?

KYC norms are applicable to all investors. It is in the interest of all investors to obtain KYC Acknowledgement and submit it to the Mutual Fund to avoid any inconvenience in the future.

How do I buy Mutual Funds over the Net?

To invest through NetBanking log onto www.hdfcbank.com.

How can I use Mobile Banking to manage my Mutual Funds account?

We request you to follow the steps mentioned below to access your Online Mutual Fund details:

Log on to the HDFC Bank NetBanking Site - Using your Customer ID and Password (Please use the NetBanking password)
Click on the Mutual Fund Tab - 6th tab on the top right corner
The Mutual Fund account number generated for you will reflect on the screen
On the Left Hand side of the screen, various options like New Fund Offer, Purchase, Redeem, Switch, etc. are available
You can click on any of the options and the relevant screen will be available to execute the desired transactions
Your Mutual Fund Account Number will be available in a drop down. You can select your Mutual Fund account number and start transacting.

What is the process of application for Rights Issue under ASBA?

An investor, who has received the common application form from the registrar of the company floating the rights issue, has the option of applying through ASBA at any designated branch of the Bank.

Rights issue is not available in NetBanking facility.

What about a Minor becoming a Major?

When a minor attaining majority ( completes 18 years of age), he/she must be KYC Compliant and have a KYC Acknowledgement of their own. The same should be informed to the Mutual Fund where he/she holds an investment, along with other details such as the bank details, signature, etc. as per the present requirements of such Mutual Fund.

How can I "Buy"/"Sell" Mutual Funds?

Once you are registered for an Investment Services Account you can start placing orders to buy/sell Mutual Funds through NetBanking services offered by HDFC Bank.

Investing through Net Banking: You will have to login with your Customer ID and Internet Password to place orders for Mutual Funds on the website.

You can view your Mutual Fund Holdings with their present market values on our website
The cut-off time on the NetBanking Channel for the Same Day NAV for Mutual Funds transactions is 2 PM.

How can I change the default Bank Account that is linked to my HDFC Bank Online Mutual Funds Account?

We understand that you wish to change the Bank Account linked to your Online Mutual Funds Account (Applicable where you want to continue with the Online Mutual Funds Account but want to close only the linked Bank Account)

For this, you must provide an alternate Bank Account number under the same Customer ID (First Holder) with which you are registered for online Mutual Funds. Once the change of the Bank Account is effected, the Online Mutual Fund Account will be de-linked from the old bank account and it will be closed.

Please note that both the options require a written request in the attached format. Please submit the form duly filled at your account branch.

What is the procedure to close my Investment Service account?

You will need to submit the Investment Service account closure form to your nearest branch for further processing.

Kindly visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers.

How much am I charged for this service?

A quarterly maintenance charge is applicable to hold an Investment Services Account. We request you to contact your RM / Personal Banker or nearest HDFC Bank Branch for details.

Can I cancel a transaction?

No cancellations are allowed once transactions are placed.

Is the KYC acknowledgement a separate form or is it a part of the Mutual Fund application. Which of the forms require being time-stamped?

KYC Acknowledgement is a separate form. Time stamping is not required on the KYC Acknowledgement.

How do I transact in Mutuals Fund after completing the KYC process?

You must attach your KYC Verified Print Out along with the Investment Application Form(s) while investing for the first time in a Mutual Fund. Application Forms not accompanied by a KYC print out are liable to be rejected by the Mutual Fund.

Can I sell/redeem schemes bought offline through online?

No, only those schemes bought through the online mode can be sold /redeemed through this service.

How do I buy Mutual Fund over the Net?

To invest through NetBanking Log onto www.hdfcbank.com

How can I register for this service?

To register for this service, fill in an Investment Services account opening form that is available at any HDFC Bank Branch, or contact your Relationship Manager.

Fill in all the details in the form, with the requisite documents, along with details of the bank account that has to be linked with your Investment Services account. The Account Opening Application Form has to be signed by the all the Bank Account holders. Submit this form to your RM or nearest branch.

As an NRI, can I buy Mutual Fund Units in the Portfolio Investment Schemes (PIS) account?

No, you cannot purchase Mutual Fund units in the PIS account. You can only do so in the Non-PIS account.

When will I be able to view the unit holdings in my account from the time of purchase?

The unit holdings will be reflected within T+2 days (T being the transaction day).

Where and how do I get to be KYC Compliant? Do I have to repeat the KYC process with every Mutual Fund?

The Association of Mutual Funds of India (AMFI) has facilitated a centralized platform through CDSL Ventures Limited (CDSL), a wholly owned subsidiary of Central Depository Services (India) Limited, to carry out the KYC procedure on behalf of all Mutual Funds. CVL, through its Points of Service (PoS), will accept KYC Application Forms, verify documents and provide the KYC Acknowledgement (across the counter on a best effort basis). The list of PoS will be displayed on the websites of Mutual Funds, CDSL and AMFI. Once the KYC is duly completed in all regards, the investor needs to produce a copy of the acknowledgement when investing for the first time with a Mutual Fund. There is no need to repeat the KYC process individually for each Mutual Fund.

Are there any special requirements for an NRI to invest in Mutual Funds?

Yes. In addition to the certified true copy of the passport, a certified true copy of the overseas address and permanent address will also be required. If any of the documents (including attestations/certifications) towards proof of identity or address is in a foreign language, they have to be translated into English for submission. The documents can be attested by the Consulate office or overseas branches of scheduled Commercial Banks registered in India.

Will I get an online confirmation of my transactions?

An order once placed will be confirmed immediately. The confirmation of units bought or sold will be done by the AMC / Registrar only on the next working day.

Who can be the first applicant in the Investment services Account holding? Can any of the holders transact?

The first applicant of the Mutual Fund Investment Services Account has to be same as the first Holder of the Savings Bank Account. Only the first account holder can transact through this service.

After the First purchase, can I invest in the same AMC again on the same day?

After your first purchase you will not be permitted to transact for a period of 3 to 4 working days, depending on the processing time of the Mutual Funds' Registrar. After you place an investment order in any Mutual Fund for the first time a Folio Number needs to be generated for that particular fund. Until the Folio number is generated you will not be allowed to place any further orders for that particular Mutual Fund. After the Folio Number is generated you can place any number of orders in any schemes of the Mutual Fund.

What is a KYC Application Form?

A KYC Application Form has been designed for Individual and Non-Individual Investors separately. These forms are available on the Mutual Funds website, AMFI and Central Depository Services (India) Limited (CDSL). You may also approach your distributor for a form. It is important to read the instructions printed on the KYC Application Form while filling the form.

What if I have already obtained a MIN?

Scenario 1 If the MIN was obtained by submitting your PAN, the MIN Acknowledgement can be enclosed along with the Investment Application Form(s)/Transaction Slip(s) while investing for the first time in a Mutual Fund, as the PAN number will be stated on the said acknowledgement.

Scenario 2 If the MIN was obtained without submitting your PAN but with other proof of identity documents, you need to carry a copy of your PAN card, and your original PAN card, for submission at the PoS. For such cases, CVL will send out a communication to you requesting you to submit your PAN for KYC compliance.

Who can open an Investment Services account?

Any Individual or HUF, who has an HDFC Bank Savings Account and is KYC compliant, can register for a Mutual Fund Investment Services Account. NRI customers who are KYC compliant and have a Savings account can also avail of this service. The Savings Bank account status has to be single or either/Survivor.

What are the advantages of investing in SIP?

A large part of the success of Mutual Funds is also the advantages they offer in terms of diversification, professional management and liquidity.

Power of Compounding: The longer the period of your investment, the more wealth you can accumulate because of the power of compounding. That’s why it makes sense to start investing early. Quite simply, the incremental returns that you earn on your principal, plus accrued gains, is compounded.

Rupee Cost Averaging: Most investors want to buy stocks when the prices are low and sell them when the prices are high. But timing the market is time consuming and risky. A more successful investment strategy is to adopt a method called Rupee Cost Averaging. By investing in an SIP you end up buying more units when the price is low and less when the price is high.

To set up an SIP, walk in to your nearest HDFC Bank branch or invest through an Investment Services Account.

What happens if I have multiple folios/accounts with a Mutual Fund?

You can inform the Mutual Fund to update the KYC Acknowledgement against all the folios/accounts you have with it. However, each of the holders in these folios/accounts should be KYC Compliant.

What if I forget my customer ID/ IPIN number?

Your ID is available in your welcome letter or can be obtained from the branch. Your IPIN (NetBanking password) can be re-generated by downloading a 'Password Regeneration Request' from the HDFC bank website and submitting it to the branch. The new IPIN (NetBanking password) will be sent to you by post.

What are the schemes available to the customers?

Only select schemes of select AMC's are currently available for transactions done through NetBanking. The list of the schemes is available on the HDFC Bank's website.

Do I need to inform about my change of Income status?

Yes. If you find an increased/decrease in your income, which will effectively change the income bracket that you have declared in the KYC Application form, you should apply to any convenient PoS in the specified form. No proof is needed.

What are the KYC requirements for a Mutual Fund Investor?

Individual investors will have to produce a Proof of identity (Photo PAN card copy or PAN card copy and copy of the passport, driving license, etc.) and Proof of Address (any of the valid documents listed in section B of the KYC Application Form for Individuals). Non-Individual Investors will have to produce certain documents pertaining to its constitution/registration to fulfill the KYC process. A list of Mandatory Certified Documents to be submitted can be found in section C of the KYC application form for Non-Individual Investors.

How do I convert my existing portfolio of Mutual Fund units to an Online Mutual Fund portfolio?

Currently, this facility is not available.

Is there any special requirement for a PIO (Person of Indian Origin)?

The requirements applicable to an NRI will also apply to a PIO. However additionally, persons of Indian origin will have to submit a certified true copy of their PIO Card.

To whom is KYC applicable? Is there any exemption?

Currently, all investors (Individuals or Non-Individuals) who wish to make an investment in a mutual fund scheme, irrespective of the amount, are required to complete the KYC process. This also applies to new Systematic Investment Plan (SIP) registrations on or after 01 January 2011, irrespective of the amount. Please find the list of personnel who are required to be KYC compliant:

Joint Holders: Joint holders (including first, second and third if any, are required) have to be individually KYC compliant before they can invest in any Mutual Fund. For e.g., in case of three joint holders, all holders need to be KYC compliant and copies of each holder's KYC Acknowledgement must be attached to the investment application form with any Mutual Fund.

Minors: In case of investments for a Minor, the Minor’s guardian should be KYC compliant and attach the KYC Acknowledgement while investing in the name of the Minor. The Minor, upon attaining majority, should immediately apply for KYC compliance in his/her own capacity and intimate the concerned Mutual Fund(s), in order to be able to transact, furthering his/her own capacity.

Power of Attorney (PoA) Holder: Investors who want to invest through a PoA must note that the KYC compliance requirements are mandatory for both the PoA issuer (i.e. Investor) and the Attorney (i.e. the holder of PoA), both of whom should be KYC compliant in their independent capacity, and both must attach their respective KYC acknowledgements while investing.

For transmission (in case of death of the unite holder): If the deceased is the sole applicant, the claimant should submit his/her KYC acknowledgement in the request along with the other relevant documents to effect the transmission in his/her favour.

Should I visit a PoS personally to obtain KYC Compliance?

No. If you are not in a position to visit a PoS personally, the KYC Application Form along with the necessary documents (including originals if the copies are not attested) can be sent through the distributor or representative who can arrange to complete the KYC process and obtain the KYC Acknowledgement through any PoS.

What are the consequences of KYC cancellation/rejection?

In the event of any KYC Application Form being found deficient for lack of information/insufficiency of mandatory documentation, further investments will not be permitted.

I do not have an account with HDFC Bank, but would like to invest in Mutual Funds. What do I do?

You can contact any HDFC bank Branch to open a Bank account and once your Savings account is activated. You can fill in the application form for an Investment Services account along with a KYC form and the requisite documents, if you are not KYC Compliant, and send them to your Relationship Manager/Personal Banker or nearest branch. After you receive the welcome letter, you can start investing in Mutual Funds online.

Who do I inform about change of name/address/status/signature, etc.?

You should intimate your change of name/address/status/signature, etc. to any convenient PoS. You need to quote your PAN and submit proof (in case of a new address). You should provide at least 10 days for the change of address to take effect with all the Mutual Funds where you have investments. Please note that you should not write to the Mutual Fund or its Registrar for the change of address (unless as a designated PoS). The specified form can be obtained from the AMFI/Mutual Fund/CDSL website. All details of the holders in the Mutual Fund records will be replaced by the address details available in the CVL record.

How is online investing more convenient?

1. No filling of multiple application forms
2. Only a one time registration agreement to be signed and submitted
3. Paperless method to invest in Mutual Funds
4. No application forms, No Cheques, No Documents required for any transaction
5. Direct Credits to your bank account for Redemptions and Dividend proceeds
6. View online Mutual Fund holdings on NetBanking

Is there a minimum transaction amount for each scheme?

As decided by the fund, there is a minimum transaction amount indicated against each scheme. You will get to see the minimum transaction amount in the Purchase screen after you select the Name of the scheme from the drop down menu.

Is there a charge I need to pay to get myself KYC Compliant?

Currently, KYC is done for free of cost.

Does the KYC Acknowledgement have an expiry date?

No. Once the KYC Acknowledgement is obtained and informed to a Mutual Fund, it will be registered against the folio and quoted in all future account statements. The same will exist in perpetuity, unless cancelled by CVL.

Why should I invest in SIP's right now?

The current scenario in the equity market is dominated by negative sentiment, which has led to fundamentals being ignored.

This scenario has created volatility in the markets and uncertainty of future outlook.

The prudent way to invest in this scenario is to benefit from the volatility and this can be done by investing through SIP’s. A monthly SIP helps in averaging out the cost of purchase and benefit from the power of compounding. It also helps in creating wealth over a longer time period.

The current investment scenario is still dominated by negative sentiment. This creates volatility in the markets due to confused minds of the investors. Such volatility makes it difficult to capture the market movements and most people end up losing money with the intention of timing the markets. Also investing a lump sum in one shot might lead you to miss out on market opportunities. The tool to beat such a scenario is investing through a Systematic Investment Plan.

From what date is it mandatory for me to be KYC Compliant?

With effect from 01 January 2011, if you want to invest in Mutual Funds you are required to complete the KYC process irrespective of the amount you invest.

Is there any transaction charge for placing the transaction offline or online?

Yes, there is transaction charge for placing a transaction offline or online is as follows:

With effect from 1st November 2011, HDFC Bank has "opted-in" for transaction charge as per the SEBI circular no. Cir/ IMD/ DF/13/ 2011 dated August 22, 2011. To know more Click here.

Can I transact anytime during the day?

Yes, you can transact at any time of the day. However, in order to get the NAV of the same day you have to transact before the cut-off time of the scheme. If you place an order after the said cut-off time, you will be eligible for the NAV of the next day.

Can I transact on a holiday?

Yes, you can place your request even on a holiday. However, the request will be processed on the next business day and the respective NAV will be applicable as per the Mutual Fund's offer document.

How will I receive the redemption amount?

You can receive redemption amounts through a Direct Credit in your Savings Bank Account mentioned in Investment Services Account opening.

How will I receive the Dividend Pay amount?

You will receive the Dividend Pay amount through a Direct Credit by the AMC in your Savings Bank Account mentioned in Investment Services Account opening form.

How do I redeem Mutual Fund units over the Net?

Only Mutual Funds that are bought (purchased) through the Investment Services Account can be redeemed through this service.

On NetBanking:

To redeem Mutual Fund you have to login to the website with your Customer ID and IPIN and go to the Mutual Funds Tab.
Click on the redemption link and then select the Investment Services Account No. from the drop down and the Mutual Fund that you want to redeem.
Select the Scheme name and the Amount or number of units you want to redeem in the next screen keeping in mind the minimum transaction amount. You can choose to redeem all or part of your units by specifying the number of units and amount.
The transaction will be processed and the redemption proceeds will be directly credited into your bank account.

Whom do I inform about change of name/address/status/signature, etc.?

You should intimate your change of name/address/status/signature, etc. to any convenient PoS. You need to quote your PAN and submit proof (in case of a new address). You should provide at least 10 days for the change of address to take effect with all the Mutual Funds with whom you are invested. Please note that you should not write to the Mutual Fund or its Registrar for the change of address (unless as a designated PoS). The specified form can be obtained from the AMFI/Mutual Fund/CDSL website. All details of the holders in the Mutual Fund records will be replaced by the address details available in the CVL record.

Can an investor give a COA (Change of Address) along with a redemption request?

Redemption request is given to the investor service centre while the change of address (if KYC process has been previously completed) has to be given to a KRA. The change of address will be effected by CVL and informed to the Mutual Funds. As it will take 10 days for this process to be completed, the redemption transaction accompanied by a change of address request, is likely to be processed without effecting the change of address request.

How can I update my E-mail ID in my Online Mutual Fund Account?

If your E-mail ID is not updated in your Online Mutual Fund account, we request you get in touch with the nearest branch to enable us to register you for E-mail Statements of your Mutual Funds.

On receipt of the form, your e-mail ID will be updated with the respective AMC within 15 working days.

You will receive the holding statements on your e-mail and mailing address simultaneously after registration.

What is FATCA/CRS/KYC?

FATCA : In January 2013, the United States of America’s (U.S) treasury released the final FATCA Regulations. FATCA requires U.S based financial institutions (FI) as well as foreign financial institutions to identify their U.S accounts and report them periodically to the U.S IRS (Internal Revenue Service) or appropriate governmental authority, in case of Inter-Governmental Agreement (IGA). Non-compliance can result in adverse consequences, including a penal U.S withholding tax, for non-U.S. entities or penalties under the local inter-governmental .
CRS : To combat problem of offshore tax evasion, the G20 and OECD (Organisation of Economic Co-operation and Development) countries developed a Common Reporting Standard (CRS).CRS requires financial institutions to collect and report information to their tax authorities about account holders resident in other countries. India has signed CRS agreement on 3rd June 2015.
UBO : As per SEBI Master Circular No. CIR/ISD/AML/3/2010 dated December 31, 2010 regarding Client Due Diligence policy, related circulars on anti-money laundering and SEBI circular No. IR/MIRSD/2/2013 dated January 24, 2013, non individuals and trusts are required to provide details of controlling persons [CP] / ultimate beneficiary owner [UBO] and submit appropriate proof of identity of such CPs/ UBOs. The beneficial owner has been defined in the circular as the natural person or persons, who ultimately own, control or influence a client and/or persons on whose behalf a transaction is being conducted, and includes a person who exercises ultimate effective control over a legal person or arrangement.
As per regulatory requirement, individual investors and joint holders are required to provide extended KYC details. In absence of the same, transactions may get rejected by AMC/RTA. Joint holders of ISA ( Mutual Fund) accounts may update the same through "Update Extended KYC" option in NetBanking Request section of Accounts tab.
Non-individual customers & HUFs may submit extended KYC details to Branches /Relationship manager. In absence of the same, transactions may get rejected by AMC/RTA

What Is KYC?

KYC stands for 'Know your Client', a term commonly used for the Client Identification Process. SEBI has prescribed certain requirements relating to KYC norms for Financial Institutions and Financial Intermediaries, including Mutual Funds, to 'know' their clients. This is in the form of verification of identity and address, financial status, occupation and other personal information. An applicant must be KYC compliant to invest with any SEBI registered Mutual Fund.

What are the cut-off timings for the Investment Services Account?

Cut-off time for same day NAV is 1400 hours i.e. 2.00 p.m. (Indian Standard Time). All instructions received on transaction day before the cut-off time will be eligible for same day's NAV (except Saturdays, Sundays and Holidays). For transactions received post cut-off time, NAV applicable will be as on next working day.

In case of Liquid Scheme, NAV is being computed as mentioned below:

Cut-off time for Historic NAV is 1230 hours i.e. 12.30 p.m. (Indian Standard Time). All instructions received on transaction day before the cut-off time will be eligible for Historic NAV (except Saturdays, Sundays and Holidays).

Cut-off time for same day NAV is 1400 hours i.e. 2.00 p.m. (Indian Standard Time). All instructions received on transaction day after 12.30pm and before the cut-off time ie 2.00pm will be eligible for same day's NAV (except Friday ,Saturdays, Sundays and Holidays).

In case of Liquid Scheme transactions done after 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off on Thursday but prior to 1230 hours i.e. 12.30 p.m. (Indian Standard Time) cut-off of time of Friday, the NAV for Thursday would be applicable .

In case of Liquid Scheme transactions done after 1230 hours i.e. 12.30 p.m. (Indian Standard Time) on friday but prior to 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off of time of Friday, the NAV for Sunday would be applicable as per AMC rules for NAV applicability (NAV for next business day - 1 day will be applicable).

In case of Liquid Scheme transactions done after 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off on Friday or transactions done on any holiday, Saturday or Sunday, the applicable NAV will be of the next declared NAV from AMC end.

In case of Liquid Scheme transactions done after 1230 hours i.e. 12.30 p.m. (Indian Standard Time) on a day prior to a non working day, the applicable NAV will be of the holiday. (In case of consequent holidays the last holiday NAV is taken as the Holiday NAV).

We agree and acknowledge that any instruction given or purported to be given by me/us before the cut off time as may be intimated by HDFC Bank to me/us from time to time, will be processed on the same day. Any instructions received after the prescribed cut off time will be processed on the next working day.

We acknowledge that any transaction request falling due on a holiday will be processed on the next business day and the respective NAV will be applicable as per the Mutual Fund's offer document.

How can I open an Online Mutual Fund Account with HDFC Bank?

To open an Online Mutual Fund account, please fill in an Investment Services Account opening form that is available in any HDFC Bank Branch.
You can also download the Investment Services Account opening form from www.hdfcbank.com > Forms Centre (top right corner). The form is also attached below.
Once it is duly filled, you need to provide your KYC confirmation / verification (for all applicants) from below websites
Submit the above documents to your HDFC Bank branch.

For a comprehensive list of branches, kindly visit our site www.hdfcbank.com. Click on "Find your nearest" on the home page and select "Branch".

IPO Application Through ASBA

Can I cancel or withdraw my IPO application (or bid) submitted using ASBA?

Yes, you can place a withdrawal request at any time during the bidding period. Any request for bid withdrawal should be made during banking hours and by 2 PM of the issue closure date. The request will be subject to acceptance by the Stock Exchange, after which the application amount in your Account will be unblocked. Once withdrawn, the blocked amount will be available in 1 working day.

Can I revise the bid?

Yes, you can revise your bid under the ASBA facility. In case of upward revision of bid, additional lien will be marked to the extent of the incremental amount. However, in case of downward revision, differential money blocked earlier will not be released. Such amount, if any, will be released after allotment.

How many ASBA applications can be made by blocking a single Bank Account?

As per the SEBI Regulations, under ASBA mode, not more than 5 applications can be made from a single Bank Account for a particular IPO.

What is the difference between the Non-ASBA IPO process and the ASBA process?

In the non-ASBA IPO process, the bid amount (application money) is debited from the Bank account once the bid application is successfully placed. Under the ASBA process, the amount is not debited from your Bank account until successful allotment. Until such allotment, the amount will remain blocked in your Bank account.

Who can apply for ASBA?

The following investors are eligible to apply through ASBA:

In public issues:

Investor from any of the approved category eligible to apply in IPO as per SEBI guidelines.
Investor who has a Savings Account or Current Account with HDFC Bank
Investor who has a Demat Cccount with any DP along with a valid Permanent Account Number (PAN).
Investor has sufficient clear credit balance in his/her Savings or Current account (NOT including overdraft limit)

In rights issues: Any shareholders of the issuer company, as on the record date, provided he/ she:

holds shares in dematerialised form and has applied for entitlements and /or additional shares in the issue in dematerialised form;
has not renounced his/ her entitlements in full or in part;
is not a renouncee to the Issue;
is from any approved category eligible to apply in IPO as per SEBI guidelines.
has a Savings Account or Current Account with HDFC Bank
has a Demat account with any DP along with a valid Permanent Account Number (PAN).
has sufficient clear credit balance in his/her Savings or Current account (NOT including overdraft limit)

If I made an application through ASBA and money in my Savings Account is blocked, will I get interest for that period?

Yes, interest will be payable on the blocked amount as per RBI guidelines.

Is it possible to bid for an IPO under ASBA as well as under non-ASBA?

No, it isn't. Only one application per IPO is allowed, either through ASBA or non-ASBA. Multiple applications are liable to be rejected because the same PAN Card cannot be used for more than one application.

What is the time limit to submit the form at a designated HDFC Bank branch?

The bidding time will be the same for ASBA and non-ASBA applications. However, the application needs to be submitted to the designated branch during banking hours and before 1 PM on issue closure date.

Can I still approach my broker to apply for an IPO?

Yes, you can approach your broker to apply for an IPO.

Can I bid at multiple rates under ASBA?

Yes, you can place three bids under ASBA.

When will the Bank lock money in my Account for ASBA payments?

The Bank will need the money in your account at the time of placing the bid for IPO shares through the ASBA payment option. SEBI has clearly instructed Banks not to accept IPO applications before blocking the bidding amount (for ASBA process). The amount will remain locked until the registrar / stock exchange requests the Bank to release the funds, either if shares are not allotted to you, your IPO application is rejected or you withdraw your IPO application.

What is ASBA?

ASBA means 'Application Supported by Blocked Amount' as defined in clause (d) of sub Regulation (1) of regulation 2 of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009. ASBA is an application containing an authorization to block the application money in the Bank account for subscribing to an IPO/FPO or Rights Issue.

What happens when the issue fails/is withdrawn?

In case the issue fails/ is withdrawn, HDFC Bank shall unblock the application money from the Bank Accounts upon receiving instructions from the Registrar.

What will be the benefit to me if I apply for an IPO under ASBA?

If you apply using the ASBA form you will get the following benefits:

No loss of interest, since the application amount is not debited to the Savings Account on application
The amount for which no shares have been allotted is available immediately on completion of allotment process. There is no need to wait for the amount to be refunded by the company
Since the amount is available in the Account, it is considered for calculation of the Average Quarterly Balance (AQB)
Simplified form filling process and you can apply online through NetBanking

If I am a NRE/NRO customer, can I apply for ASBA?

Yes, you can apply through a physical application; however, you CANNOT currently apply through ASBA on NetBanking.

Is priority in allotment given to applications bid under ASBA facility?

There is no differentiation between the allotment of shares applied through ASBA or Non- ASBA.

Is it possible to withdraw the amount blocked for IPO applications through ASBA?

No. The blocked amount cannot be withdrawn. However, the same will lie in your operative Bank Account till the allotment and will earn interest as per Account terms applicable.

Will the bank charge any additional fees if I choose the ASBA Payment Option?

Currently this value added service is provided free of cost.

Is any additional documentation required for availing the ASBA facility?

No further physical documentation is required to avail of this facility.

If I want to apply physically for an IPO through ASBA, what should I do?

You have to visit the nearest designated HDFC Bank branch to apply in an IPO through ASBA. It is not essential that you hold an Account in that branch, you should hold an Account with the Bank though.

Click here for List of Designated Branches

Fill in the no. of shares, price, Account number, PAN, Demat Account details, etc. in the specially designed ASBA application form of the IPO you wish to apply for and submit it at the branch.

You will receive the acknowledgement from the branch along with the Unique Reference Number.

Subsequently, the Bank will block the amount on your highest bid in your specified Bank Account for the IPO as applied. In case of insufficient funds in your Bank Account, the bank will reject the IPO application.

After the allotment has been approved, the Bank will debit your Account for the allotment money and will release the block on the remaining amount in the Account.

Subsequent to this, the shares will be credited to your Demat Account.

You can now download the application forms from the NSE/BSE website. You can also register your Bank/Demat details to avoid filing the same for every issue.

Click here to download the form through BSE

Click here to download the form through NSE

I do not have a Bank account with HDFC Bank. Can I still apply through your Bank for IPOs using HDFC Bank`s ASBA process?

To apply for an IPO from HDFC Bank using ASBA, you should have an account with the Bank. However, it is not compulsory for you to have a Demat Account.

Equities & Derivatives

Can I cancel/ modify my bid placed under ASBA during the bidding period?

Yes, you can place a cancellation request or modify your order anytime during the bidding period. After successfully processing your cancellation request, the money will be unblocked in your bank account.

For more information visit www.hdfcsec.com or get in touch through email on

What products can I trade in using my trading account?

You can trade in Equity & Derivatives, IPOs, NCDs and Infrastructure Bonds. Click here to know more.

I have sent in my application, what happens next?

Your application will be processed and you will be informed once your application is accepted and all the required accounts are set up. In case your application is not processed because of lack of some details, our representative will contact you by mail.

What is ASBA option while applying for an IPO?

ASBA means "Applications Supported by Blocked Amount". ASBA is an application containing an authorization to block the application money in the bank account, for subscribing to an issue.

Who can open a Securities Trading account with HDFC securities?

If I already have an HDFC Bank account and an HDFC Demat account, can I use these accounts to invest/trade online?

Yes, you just need to give us the account details and we will link your existing accounts with your HDFC securities account so you can trade online. You can link up to 5 Bank accounts and/or up to 5 Demat accounts.

Which are the various channels through which I can trade or invest?

You can trade through multiple channels i.e. Online trading, Trade on Mobile, Low Bandwidth Sites (LITS), Call ‘N Trade.

Can I withdraw the amount blocked for ASBA bid application?

No. The blocked amount cannot be withdrawn. Such amount will remain blocked in your linked bank account till the allotment is completed.

What do I need to submit to place an IPO/NCD order through my HDFC Securities Trading Account?

Once you are registered with HDFC securities, you can successfully place an IPO/NCD/ Infrastructure Bonds order online; or Call ‘N trade. No filling of any form or any documentation is required if you are a registered customer.

Who can trade in derivatives with an HDFC Securities Trading Account?

Trading in Derivatives will be available only to those customers who have submitted their financial documents or income proof and signed the necessary agreements. For more information click here.

For more information visit www.hdfcsec.com

What is the difference between the Non-ASBA IPO process and the ASBA IPO process?

In the Non-ASBA IPO process, the bid amount (application money) is debited from the bank account once the bid application is successfully placed with HDFC securities. Under the ASBA IPO process, the amount is not debited from your bank account until successful allotment. Until such allotment, the amount will remain blocked in your bank account.

Who can trade in derivatives with an HDFC Securities Trading Account?

Trading in Derivatives will be available only to those customers who have submitted their financial documents or Income proof and signed the necessary agreements.

What are the call charges applicable if I use the Call ‘N Trade facility to trade in securities?

The Call ‘N Trade facility is free of charge. You can place orders over the phone any number of times.

What are the call charges for offline customers of an HDFC Securities Trading Account?

The Call ‘N Trade facility is free of charge. Customer can place orders over the phone multiple times.

How many bank and depository accounts can I link to a trading account?

You can link up to five HDFC Bank Saving Bank accounts and five HDFC Bank Demat accounts to your trading account.

What do I need to submit to place an IPO/NCD order with my HDFC Securities Trading Account?

Once you are registered with HDFC securities, you can successfully place an IPO/NCD order online or Call ‘N trade. No filling of any form or any documentation is required for a registered customer.

How do I know my application has been accepted?

You can check your account opening status on www.hdfcsec.com on the footer page of the homepage section page under the "Application status".

Investtrack/Portfolio Advise & Tracker

All InvestTrack

What are the benefits of InvestTrack?

This exclusive service* comes to you with an array of unmatched benefits, which include:

Structured Process considering your risk profile, investment objectives and financial goals
Recommendations from HDFC Bank's in-house research team
Choice of convenient Mutual Fund execution platforms
Comprehensive Portfolio Tracker* that provides a consolidated view of your Mutual Fund Investments, HDFC Life Policies, Savings, Current & Fixed Deposit Account Balances
Complimentary subscription* to our exclusive monthly magazine - Investment Insight, that updates you on:
- Market Movements
- New Fund Offerings
- Recommended Funds' Performance
- Fund Managers' Views
- Informative articles on various investment products
Proactive monthly updates on new offers and investment concepts.

What is the requirement to avail of the InvestTrack facility ?

You need to have an existing Investment Services Account (ISA) or you need to open an ISA, without which you will not be registered under InvestTrack

Who can avail of the InvestTrack facility?

The InvestTrack facility is available exclusively to our Imperia, Preferred and Classic customers.

8% Savings Bond

In what form are these bonds issued?

Bonds are issued in the form of a Bond Ledger Account in denominations of Rs. 1000.

Is a nomination facility available?

Yes, a nomination facility is available.

What bond options are available?

You can choose from cumulative and non-cumulative bond options.

How much tax do I have to pay?

The interest income from the bonds is taxable. TDS is deducted at the time of interest payment as per the prevailing IT rules.

What is the minimum and maximum limit for investment in the 8% Savings (Taxable) Bonds?

You need to invest a minimum of Rs. 1,000. However, there is no maximum limit on investment but it needs to be in denominations of Rs. 1000.

What is the tenure of the 8% Savings (Taxable) Bonds?

The tenure of the bond is 6 years from the date of issue. No interest will accrue after the maturity of the bond.

Are the 8% Savings (Taxable) Bonds transferable?

No, these bonds are not transferable.

How much interest will the 8% Savings (Taxable) Bonds bear?

Bonds will bear interest @ 8.00% p.a. and are payable half-yearly. The interest payment dates are February 1 and August 1 for non-cumulative investments.

For investors who have chosen the cumulative option, the value of the investments at the end of 6 years would be Rs. 1601 (being Principal and Interest) for every Rs. 1000 invested. Interest on the Bonds is taxable under Income Tax Act 1961.

Sec 54 EC - Capital Gains Bonds

Can I claim exemption under exemption under 54C with the exemption 54 and 54EC?

Yes, you can claim exemption under 54C with the exemption 54 and 54EC.

What is the rate of interest for these bonds?

The interest rate on these bonds is 6% per annum.

What is the block period for the investment?

The block period for the investment of these two companies is 3 years.

Which bonds are eligible under the Section 54 EC?

The eligible bonds under Section 54 EC are RECL (Rural Electrification Corporation Ltd) and NHAI (National Highways Authority of India).

Can I take a loan on these bonds?

No, you cannot take a loan on these bonds.

What is the maximum investment limit for the Section 54 EC- Capital Gain Bonds?

The maximum investment limit amount is Rs. 50 Lakhs.

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Home Loan

All Home Loan

How will HDFC decide the home loan amount i am eligible for?

We will determine your Home Loan Eligibility largely by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

What does an EMI mean?

EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.

What does ‘own contribution’ mean?

‘Own Contribution’ is the total cost of the property less HDFC’s home loan.

How do I repay a home loan ?

For your convenience, HDFC offers various modes for repayment of the home loan. You may issue standing instructions to your banker to pay the installments through ECS (Electronic Clearing System), opt for direct deduction of monthly installments by your employer or issue post-dated cheques from your salary account.

When can I make a home loan application?

You can apply for a Home Loan at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced.

What does ‘market value’ of the property mean?

Market value refers to the estimated amount that is expected to be fetched on the property as per the prevailing market conditions.

How do i make a loan application?

You could collect an application form from our nearest office or simply download it from our website and submit it yourself along with the supporting documents and the processing fee cheque at any HDFC office that is convenient to you. Alternatively you have the option to make an online application from anywhere in the world by clicking on ‘Instant Home Loan’ on our website and also know your Home Loan eligibility instantly.

Do i get tax benefits on the loan?

Yes. You are eligible for tax benefits on the principal and interest components of your Home Loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

What security will i have to provide?

Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.

It is extremely important for you to ensure that the title to the property is clear, marketable and free from encumbrance. There should not be any existing mortgage, loan or litigation, which is likely to adversely affect the title to the property.

When do i start repaying the principal amount?

Repayment of the principal commences from the month following the month in which you avail full disbursement of your loan. Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest is called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI.

In the case of under construction properties, HDFC also offers you a unique ‘Tranching’ facility wherein you can choose the installments you wish to pay till the time the property is ready for possession. Any amount over and above the interest which is paid by you goes towards principal repayment, thus helping you repay the loan faster. This is especially useful in case your disbursements are likely to be spread over a longer period of time.

What does ’agreement to sell’ mean? Does it have to be registered?

The ’Agreement to Sell’ in a property transaction is a legal document executed on a stamp paper that records in writing the understanding between the buyer and the seller and all the details of the property such as area, possession date, price etc.

In many Indian states, the Agreement to Sell is required to be registered by law. We suggest that in your own interest you should register the Agreement within four months of the date of the Agreement at the office of the Sub-Registrar appointed by the State Government, under the Indian Registration Act, 1908.

What does encumbrance refer to?

Encumbrance on a property refers to claims or charges on the property due to liabilities such as unpaid loans and bills. It is critical that during your home search you consider properties which are free of encumbrances of any sort.

Can i get a higher loan through my existing loan account to buy a new property?

Yes, you could go in for a ‘Home Conversion Loan’ whereby your existing loan (which you took to buy your current home) could be transferred to the new house with additional funds for the incremental cost of the new house, subject to your loan eligibility. This means you can move into your new home without having to go through the hassle of pre-paying your existing loan.

Can i apply for a loan to HDFC to repay a home loan availed by me from another bank / housing finance company?

Yes, you can apply for a loan to us for repaying a Home Loan availed by you from another Bank / Housing Finance Company or even your employer. For more details on ‘Balance Transfer’ kindly contact our nearest office.

What is an under construction property?

An under construction property refers to a home which is in the process of being constructed and where possession would be handed over to the buyer at a subsequent date.

When can i take disbursement of the loan?

You can take disbursement of the loan once the property has been technically appraised, all legal documentation has been completed and you have invested your Own Contribution in full. You can submit the request for the disbursement of your loan by visiting any of our offices or online by logging on to ‘Online Access for Existing Customers’.

In how many installments can you disburse the loan to me?

Once we receive your request for disbursement, we will disburse the loan in full or in installments, which usually do not exceed three in number. In case of an under construction property, we will disburse your loan in installments based on the progress of construction, as assessed by us and not necessarily according to the developer’s agreement. You are advised in your own interest to enter into an agreement with the developer wherein the payments are linked to the construction work and not pre-defined on a time-based schedule.

Can i repay my loan ahead of schedule?

Yes, you can repay the loan ahead of schedule by making lump sum payments towards part or full prepayment, subject to the applicable prepayment charges. We also offer a free-of-charge facility to accelerate your loan repayment called ‘Accelerated Repayment Scheme’. This option provides you the flexibility to increase the EMIs every year in proportion to the increase in your income which will result in you repaying the loan much faster.

Does the property have to be insured?

Yes, you will have to ensure that your property is duly and properly insured for fire and other appropriate hazards during the pendency of the loan. You will also have to produce evidence thereof to HDFC, each year and/or whenever called upon to do so. HDFC should be the beneficiary of the insurance policy.

Are there any restrictions on transfer of immovable properties?

In terms of Chapter XX C of the Income Tax Act, 1961, the Central Government has the first option to purchase certain immovable properties exceeding certain value. Therefore such transactions covered by this Chapter can be proceeded with only after complying with the requirements prescribed therein.

What is a Balance transfer loan ?

Transferring your outstanding home loan availed from another Bank / Financial Institution to HDFC is known as a balance transfer loan.

Who can avail a Balance transfer loan ?

Any borrower who has an existing home loan with another bank/HFI in which he/she have had a regular payment track of 12 months ,can avail a balance transfer loan from HDFC.

What is the maximum term you can avail for a balance transfer loan ?

The maximum term that a customer can avail is 30 years or till the age of retirement ,whichever is lower under HDFC's 'Telescopic Repayment Option.

Are the applicable interest rates on a balance transfer loan higher than a home loan ?

Interest rates applicable on balance transfer loans do not differ from the interest rates of home loans.

Do I get tax benefit on a balance transfer loan ?

Yes. You are eligible for tax benefits on the principal and interest components of your balance transfer loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

Can I avail a top loan in addition to a balance transfer loan from HDFC ?

Yes, you can avail an additional top up loan of upto Rs. 50 lakhs along with a balance transfer loan from HDFC.

What are the documents required for a Balance transfer loan ?

You can find a checklist of documents ,fees & charges for a balance transfer loan on https://www.hdfc.com/checklist#documents-charges

Can borrower of an under construction property avail a balance transfer loan from HDFC ?

Yes, customers who have purchased an under construction property can avail a balance transfer loan from HDFC.

What is a Home Improvement Loan ?

It is a loan for renovating(without altering the structure/carpet area) your home in ways like tiling ,flooring, internal / external plaster and painting etc.

Who can avail a Home Improvement Loan?

Any person who wishes to carry out renovation in their Apartment/Floor/Row house. Existing home loan customers can also avail a Home Improvement Loan.

What is the maximum term for which I can avail a Home Improvement Loan ?

You can avail a Home Improvement Loan for a maximum term of 15 years or till your age of retirement ,whichever is lower.

Are the interest rates of a Home Improvement Loan higher than that of a Home Loan ?

Interest rates applicable on home improvement loans do not differ from the interest rates of home loans.

Can a Home Improvement Loan fund the purchase of furniture ?

Home Improvement Loans can only be used to fund the purchase of immovable furnitures and fixtures

Do I get Tax Benefit for a Home Improvement Loan?

Yes. You are eligible for tax benefits on the principal components of your home improvement loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

What is the security that I will have to provide for a Home Improvement Loan

Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.

When can I avail disbursement for a Home Improvement Loan ?

You can take disbursement of the loan once the property has been technically appraised, all legal documentation has been completed and you have invested your own contribution in full.

In how many installments is a Home Improvement Loan disbursed ?

We will disburse your loan in installments based on the progress of construction/renovation as assessed by HDFC.

What are the documents required for a Home Improvement Loan ?

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges

What is a Home Extension Loan ?

It is a loan to extend or add living space to your home such as additional rooms and floors etc.

Who can avail a Home Extension Loan ?

Any person who wishes to add space to their existing Apartment/Floor/Row house can avail a Home Extension Loan from HDFC. Existing home loan customers can also avail a Home Extension Loan.

What is the maximum term for which I can avail a Home Extension Loan ?

You can avail a Home Extension Loan for a maximum term of 20 years or till your age of retirement ,whichever is lower.

Are the interest rates of a Home Extension Loan higher than that of a Home Loan ?

Interest rates applicable on home extension loans do not differ from the interest rates of home loans.

Do I get Tax Benefit for a Home Extension Loan?

Yes. You are eligible for tax benefits on the principal and interest components of your home extension loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

What is the security that I will have to provide for a Home Extension Loan ?

Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.

In how many installments is a Home Extension Loan disbursed ?

HDFC will disburse your Home Extension Loan in installments based on the progress of construction/renovation as assessed by HDFC.

What are the documents required for a Home Extension Loan ?

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges

What is a Top Up Loan?

Top Up Loans can be availed for personal and professional needs(other than for speculative purposes) like marriage, Child's education, business expansion, debt consolidation etc.

Who can avail a Top Up Loan ?

All customers with an existing Home Loan, Home Improvement Loan or a Home Extension Loan can apply for a Top Up Loan. New customers availing of our Balance Transfer loan can also additionally avail a top up loan from HDFC. You can apply for a Top Up Loan after 12 months' of the final disbursement of your existing Home Loan and upon possession / completion of the existing financed property.

What's is the maximum amount that can be availed as a top up loan?

The maximum Top Up Loan that you can avail of is equivalent to your originally sanctioned loan amount of all the Home Loans put together or Rs. 50 lacs, whichever is lower. This is further subject to the cumulative outstanding loans plus the Top Up being offered not exceeding an overall cap of 80% for cumulative exposure up to Rs. 75 lacs & 75% if the cumulative exposure is over Rs. 75 lacs of the Market Value of the mortgaged property, as assessed by HDFC.

What is the maximum term for which I can avail a Top Up Loan ?

You can avail a top up loan for a maximum term of 15 years or till your age of retirement ,whichever is lower.

What is the security that I have to provide for a Top Up Loan ?

Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.

Can I avail a top up loan along with a balance transfer loan ?

Yes. Top loan can be availed in addition to a balance transfer loan from HDFC

What are the documents required for a Top Up Loan ?

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges

What is a Loan Against Property (LAP) ?

It is a loan against fully constructed, freehold residential and commercial properties for: Personal and Business Needs(other than for speculative purposes) like marriage, medical expenses and child's education etc. Existing Loan Against Property(LAP) from other banks and financial institutions can also be transferred to HDFC.

What is maximum funding that I can avail on a property as LAP?

For Existing Customers, the principal outstanding on all existing loans and the Loan Against Property being availed should not cumulatively exceed 60% of the Market Value of the mortgaged property as assessed by HDFC. For New Customers, loan against property being availed should not, generally, exceed 50% of the Market Value of the property, as assessed by HDFC.

Who can avail a Loan Against Property (LAP) ?

Loan Against Property(LAP) can be availed by both salaried and self employed individuals for personal and professional needs(other than for speculative purposes) like marriage, Child's education, business expansion, debt consolidation etc.

What is the maximum term for which I can avail a Loan Against Property (LAP) ?

You can avail a loan against property for a maximum term of 15 years or till your age of retirement ,whichever is lower.

What is the security that I need to provide to avail a Loan Against Property (LAP) ?

Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.

Can I avail Loan Against Property (LAP) for a commercial property?

Yes ,Loan Against Property(LAP) can be availed against a fully constructed and freehold commercial properties .

What are the documents required for a Loan Against Property ?

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges

What is a Commercial Property Loan ?

This is a loan for purchase of a new or existing office or clinic as well as for extension, improvement or construction of an office or clinic. An existing Commercial Property Loan from any other bank/financial institution can also be transferred to HDFC.

Who can avail a Commercial Property Loan ?

Self Employed persons like Doctors,Lawyers,Chartered Accountants and Business Owners can avail a Commercial Property Loan for purchasing an office or a clinic.

What is the maximum term I can avail for a Commercial Property Loan ?

You can avail a Commercial Property Loan for a maximum term of 15 years or till your age of retirement ,whichever is lower.

What are the documents required for a Commercial Property Loan ?

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges

What is a Commercial Property Loan ( Plot) ?

This is loan for purchase of a new or existing commercial plot. An existing Commercial Property Loan(Plot) from any other bank/financial institution can also be transferred to HDFC.

Who can avail Commercial Property Loan (Plot) ?

Self Employed persons like Doctors,Lawyers,Chartered Accountants and Business Owners can avail a Commercial Property Loan(Plot) for building an office or a clinic thereon.

What is the maximum term I can avail for a Commercial Property Loan (Plot) ?

You can avail a Commercial Property Loan for a maximum term of 15 years or till your age of retirement ,whichever is lower.

What are the documents required for a Commercial Property Loan(Plot) ?

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges

Is the HDFC home loan rate different for women ?

Yes home loan interest rates for women are lower than those applicable to others. Women have to be a owner /co owner in the property for which the home loan will be availed as well as a applicant /co applicant in the HDFC home loan to avail a concession on the home loan interest rate applicable to others.

What are the different types of Home loans on offer ?

The following types of Home Loans products are usually offered by Housing Finance Institutions: Home Loans: These are Loans availed for:

1. The purchase of a flat, row house, bungalow from private developers in approved projects;

2.Home Loans for purchase of properties from Development Authorities such as DDA, MHADA as well as Existing Co-operative Housing Societies, Apartment Owners' Association or Development Authorities settlements or privately built up homes;

3.Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority

Plot Purchase Loan: Plot purchase loans are availed for purchase of a plot through direct allotment or a second sale transaction as well as to transfer your existing plot purchase loan availed from another bank /financial Institution.

Balance Transfer Loan: Transferring your outstanding home loan availed from another Bank / Financial Institution to HDFC is known as a balance transfer loan .

Home Improvement Loan: It is a loan for renovating(without altering the structure/carpet area) your home in many ways such as tiling ,flooring, internal / external plaster and painting etc.

Home Extension Loan: It is a loan to extend or add space to your home such as additional rooms and floors etc.

Top Up Loans: Loans that can be availed for personal and professional needs(other than for speculative purposes) like marriage, Child's education, business expansion, debt consolidation etc.

Loan against Property (LAP): It is a loan against fully constructed, freehold residential and commercial properties for: Personal and Business Needs(other than for speculative purposes) like marriage, medical expenses and child's education etc. Existing Loan Against Property(LAP) from other banks and financial institutions can also be transferred to HDFC.

What are the fee & charges that are applicable on home loans?

To view the complete list of fee & charges applicable on your home loan, please visit https://www.hdfc.com/checklist#documents-charges

Can my spouse be a co applicant in a home loan? Will our income be taken into consideration for calculating the home loan amount?

Yes ,you can add your spouse as a co applicant in your home loan. Your spouse's income can also be considered for ascertaining your home loan eligibility subject to availability of income documents as required by HDFC.

Can I get an approval for a home loan while I decide which property I should purchase ?

You can apply for a pre approved home loan which is an in-principal approval for a loan given on the basis of your income, creditworthiness and financial position. Generally, pre-approved loans are taken prior to property selection and are valid for a period of 6 months from the date of sanction of the loan.

Is it mandatory to have a co-applicant when you apply for a Home Loan? If yes, who can be a co-applicant for my Home Loan?

It is not mandatory to have a co applicant in your home loan. However, if the property for which the home loan is to be availed is jointly owned, then all co owners in the said property will have to be co applicants in the home loan. Co applicants are generally close family members.

Does HDFC provide provisional interest certificate to the customer?

Yes, HDFC provides its existing customers the facility to download their provisional interest certificates. Existing customers can log in to the 'online access module' on https://online.hdfc.com/inet/ to download their provisional interest certificates.

How do I get my final income tax certificate

You can log in to the 'online access module' on https://online.hdfc.com/inet/ to download your final interest certificate for the final financial year.

What is part/subsequent disbursement of a home loan?

HDFC disburses loans for under construction properties in installments based on the progress of construction. Every installment disbursed is know as a 'part' or a 'subsequent' disbursement.

Personal Loan

All Personal Loan

How does a Personal Loan work?
To avail of the HDFC Bank Personal Loan, all you need to do is submit the loan application form.On meeting the eligibility critieria, you will get an offer with the sanctioned amount, tenure of loan and interest rate.Once you accept the offer, funds are transferred to your bank account instantly.

You can also submit the application form online in just a few clicks.

What is the highest loan amount I can get?
Personal Loan is offered upto ₹40 Lakh. However, basis the loan requirement, one can avail upto ₹75 Lakh subject to eligibility norms.

What is the CIBIL Score required to get a loan?
A CIBIL score above 720 is considered good for sanctioning of Personal Loan.

How can I repay my Personal Loan?
You pay the loan in equal monthly instalments (EMIs) through ECS or a standing instruction to debit your HDFC Bank account with the EMI amount.

Do I need to provide any security or collateral to apply for a Personal Loan?
You don't need to provide any security, collateral or guarantor to obtain a Personal Loan from HDFC Bank.

How is Personal Loan interest rate calculated?
Interest on Personal Loan depends on various factors such as CIBIL score, Repayment History, Principal amount, Tenure.

Use the Personal Loan EMI calculator link.

How is Personal Loan processing fee calculated?
The bank has to incur some costs while processing and sanctioning of loan and hence the processing fee is charged accordingly.

Is there any option to get the Personal Loan foreclosure charges waived?
Under the Golden Edge program we offer, upon the payment of a minimum 12 EMIs, the Customer shall have the option to foreclose the loan in full or part towards the outstanding principal amount of the loan without any prepayment charge if the loan is prepaid from own sources.The customer who is having an income >= ₹75,000, and net loan amount >₹10 Lakh is eligible for this offer.

Please have a service request registered with regard to personal loan foreclosure. Click here to raise an online token for the same.

What is the nature of Interest Rate charged?
HDFC Bank offers Fixed rate of interest at reducing balance method.

Is insurance mandatory for Personal Loan? Is insurance included in deductions or in EMI?
Insurance is the subject matter of solicitation. We recommend you to protect your loan obligation against unforeseen events so that your family should not have the burden to pay back on behalf of you.

Is there any discount on the interest rate or processing fees applied if I take the Personal Loan online or at a branch?
We are running special offers on regular basis. You can reach out to our branch / RM to know more about the ROI offering.

Is there any stamp duty applicable for taking Personal Loan?
Stamp duty is levied by the Indian government and its compulsory to be paid to the government.

Is there any option to get the processing fees waived?
The bank has to incur some costs while processing and sanctioning of loan and hence the processing fee is charged accordingly.

What documents should be kept handy for new and existing customers?
There is a pre-approved offer that you can avail of through NetBanking wherein no documents are required. If you are not eligible for a pre-approved offer, documents are required to ascertain the profile and loan eligibility.

How to check status of Personal Loan?
You can check the status of your personal loan by using our Loan Status Checker.

Business Loan

All Business Loan

How is Business Loan interest rate calculated?
HDFC bank offers the lowest interest rates in the market across all segments. As we offer customers an unsecured loan i.e. collateral-free loan, the rate of Interest will be higher as compared to secured products offered by banks.

How is Business Loan processing fee calculated?
Processing fees are restricted to 2% + GST which is standard across all the products.

Is there any stamp duty applicable for taking pre-approved Business Loan?
Stamp duty collection is mandatory for pre-approved offers as well. Also, the customers must note that stamp duty charges are different for different states.

What are the steps for foreclosing a Business Loan?
Please have a service request registered with regard to Business Loan foreclosure. Click here to raise an online token for the same. Alternatively, customer can visit Retail Loan Service Centre at his nearest Location

What if I need a higher amount of loan amount as compared to my pre-approved offer loan?
Customers can connect with their local branch if the requirement is higher than the offered loan amount. There will be an additional set of documents that will be required for processing the case for a higher loan amount for which the branch staff will guide you. Loan amount will be subject to eligibility as per documents.

How long will it take for my Business loan to be processed?
Loan processing and disbursement will take at least 7 working days post submission of all requisite documents and information as may be required by the Bank as per Bank's criteria. All loan approvals are at the sole discretion of the bank.

Two Wheeler Loan

All Two Wheeler Loans

What is Guarantor?

A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

What is De-pledge?

Removal of a pledge from the security to regain the rights over the security is called de-pledge.

*Conditions Apply

What is Pledge?

A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

What is Amortization?

Amortization is paying off debts in regular instalments over a period of time.

What is RTGS?

RTGS is the Real Time Gross Settlement which is used for the transfer of amounts of Rs. 1,00,000 or more from one bank account to another bank account (any bank located anywhere in India if attached with an Internet system) at very minimal charges. The amount is credited into the beneficiary's account in real time. For amounts less than Rs. 1,00,000 we use NEFT( National Electronic Fund Transfer).

What is NEFT?

The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.

What is SI?

SI stands for Standing Instructions. It is one of the modes you can use to repay a loan, wherein your HDFC Bank account is directly debited for the EMI amounts, based on your specific instructions in the form of the Standing Instructions Mandate.

What is CIBIL?

The establishment of CIBIL is an effort made by the Government of India and the Reserve Bank of India to improve the functionality and stability of the Indian financial system by containing NPAs while improving credit grantors' portfolio quality. CIBIL provides a vital service, which allows its Members to make informed, objective and faster credit decisions.

Who can resolve my queries?

For your queries related to Loans (other than home loans), please visit the nearest Retail Asset Branch.
You can also write to us at www.hdfcbank.com/services with the following verification details or contact your nearest PhoneBanking officer:

Loan account number
Name of applicant / loan favouring
Date of birth of the applicant (as provided in loan application form)
Correspondence address
Loan amount
EMI amount
Mode of repayment (standing instruction / ECS / post date cheques)
Bank name and account number from which the EMIs are collected
Query / Complain

Which documents should I carry at the time of visiting HDFC bank?

You need to carry an Agreement Number, Self-attested Identification Proof containing your signature to avail of any information / deliverable along with a written request and produce the documents at the Customer Service Desk.

If you want to change your address / contact details, you need to submit an address change request along with a Self-attested copy of your revised address proof. The Request form for Address Change is available on the Form Centre of HDFC Bank website.

How can I get my address changed in my loan account?

In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid?

You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents:
Request form for Duplicate NOC/Form 35.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply:

Copy of RC Book is not submitted
The same vehicle is encumbered to the Bank for any other loan facility
Any notice from a competent authority restraining the Bank from release of hypothecation
If there are any existing over dues, direct or otherwise, in your name

How do I obtain a NOC from the bank for fitting an LPG/CNG kit on my vehicle under finance with HDFC Bank?

You may obtain the NOC for fitting an LPG/CNG kit on your registered vehicle under finance with us by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for LPG/CNG NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if my Registration Certificate is mutilated and I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self-attested copy of the Registration Certificate book, duly self-attested by you for validation.
Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank?

You may obtain the NOC to settle the partial insurance claim in your favour, provided there are no outstandings to your loan account, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Original Insurance Policy(will be returned back to you at the centre, post validation).
Copy of the Insurance Policy, duly self attested by you.
Claim Voucher provided by Insurance Company
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Note, for Total Loss, Claims will be settled in favour of the Bank to close the loan based on the Loan Pre-Termination Statement as on the date of request and in case of any excess claim received from the Insurance Company, a refund will be made favouring the customer.

What will be done with the post-dated cheques if I request to change the mode of repayment/ account for my loan?

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

How do I obtain a Duplicate Repayment Schedule for my loan account?

You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our NetBanking facility on www.hdfcbank.com and download the repayment schedule for your linked loan account.
Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents

Request form for Duplicate Repayment Schedule.
Duplicate Repayment Schedule Charges of Rs.200/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided

What are the charges I have to pay to change the mode of repayment/ account for my loan?

A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >>” will be required along with the revised set of repayment instructions.

How can I change the mode of repayment/ account for my loan?

In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Center and submit your request with the revised account mandate/instructions.

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest the Retail Loan Service Center :

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Two Wheeler Loan

What is Two Wheeler Loan application process?
You can apply for your Two wheeler Loan through our Online Banking services via HDFC Bank Website. https://apply.hdfcbank.com/vivid/twl_newuiux#TWL_New_Login.

What’s more is, if you’re an existing customer, you may be eligible to avail of a Pre-Approved Two Wheeler Loan in 10 seconds! Log in to your NetBanking and find out more.

Alternatively, you can visit the nearest branch of HDFC Bank. However, applying online via HDFC Bank NetBanking is faster and saves resources.

Can I get 100% funding for Buying a Two wheeler?
HDFC Bank offers upto 100% on-road funding. It is applicable for both existing customers as well as new customer’s basis customer profile.

What’s the minimum credit score I need to get a two wheeler Loan?
At HDFC Bank, we haven’t specified a minimum Credit Score for getting a Car Loan. However, a lower Credit Score may lead to the approval of lower loan amounts. Make sure your Credit Score is more than 750, which is generally considered excellent.

What are the minimum and maximum tenures of a two wheeler Loan?
HDFC Bank offers flexible tenures on their two wheeler Loans product. The minimum and maximum tenure are from 12 months to 60 months.

Do I have the option to pre-pay the entire loan amount?
Yes, you can opt for premature closure of loan with applicable premature closure charges after expiry of Cooling off/look-up Period - 3 days from the loan disbursal date.

Please click on the link to view premature closure charges.

Do I need a guarantor?
No, but in case if you don't meet the Bank's norms then you may be required to have a guarantor surety. A guarantor becomes a co-endorser and assumes liability in event of default to stand surety for your loan.

How long will it take to process the loan?
Loan Processing and disbursement will take atleast 7 working days post submission of all requisite documents and information as may be required by the bank as per Bank’s criteria.

If I don’t have an account with HDFC Bank, can I still avail of loans?
Yes, you can get an HDFC Bank Two Wheeler Loan. You need not necessarily have an account with us.

What are different modes of payment ?
Repayments are enabled through Standing Instructions (SI) for HDFC bank account holders and through NACH for external account holders. If the repayment through these instruments is not cleared, there are alternate digital repayment modes viz. Payzapp, Gpay, billdesk, Paytm etc.

What are the touch points of contacts for customers post disbursement of loan?
Customer can raise his request digitally on below link

How to reduce the Interest Rate on your Two-Wheeler Loan?
HDFC Bank provides multiple ways for you to reduce the interest rate on your Two Wheeler Loans. All you have to do is open a Women Saving Account to get a 2% lower interest rate, or a Savings Max Account to save Rs. 2,375.

How to reduce the processing fees on your bike loan?
With HDFC Bank you can get the option of reducing your processing fees. Open a Women’s Savings Account or a Savings Max Account with HDFC Bank and you can avail of a 50% discount on the processing fees of your Two Wheeler Loan.

https://apply.hdfcbank.com/vivid/retailassets for the below mentioned service request.

Statement of Account
Interest Certificate
Foreclosure Enquiry
Foreclosure Request
Balance confirmation
Change in repayment Instructions
Reissue NOC for vehicle loans ( chargeable @rs 250/- per request for duplicate NOC and @rs 200/- per request for special NOC)
Change in e-mail address
GST Invoice

Customer can also call on (STD Code)-61606161 or can write a mail at Loansupport@hdfcbank.com

Alternatively, customer can visit the Retail loan branch. You can find the nearest retail loan branch of the bank from the below link.

https://v.hdfcbank.com/branch-atm-locator/

Car Loans

All Car Loans

What is Guarantor?

A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

What is De-pledge?

Removal of a pledge from the security to regain the rights over the security is called de-pledge.

*Conditions Apply

What is Pledge?

A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

What is Amortization?

Amortization is paying off debts in regular instalments over a period of time.

What is RTGS?

What is NEFT?

The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.

What is SI?

What is CIBIL?

Who can resolve my queries?

Loan account number
Name of applicant / loan favouring
Date of birth of the applicant (as provided in loan application form)
Correspondence address
Loan amount
EMI amount
Mode of repayment (standing instruction / ECS / post date cheques)
Bank name and account number from which the EMIs are collected
Query / Complain

Which documents should I carry at the time of visiting HDFC bank?

What is the validity of Form-35

Form-35 is Valid for three months from the date of issue.

How long can the tenure of my loan be?

Usually the tenure of an Auto Loan is 3 to 7 years. The tenure also depends on the type of car you wish to purchase. If it is a super premium car the tenure is restricted to 3 years only. In addition, the higher your tenure is the lower your EMI will be, but the total interest outflow is higher.

Can I get finance for insurance and registration?

No. The ex-showroom price is considered which does not cover insurance and registration charges.

What documents do I need to submit after the loan amount is disbursed?

You can keep the original car documents, registration certificate, insurance policy and tax papers with you; but you need to submit photocopies of these documents to the bank.

Can I sell my car before I repay my loan?

No, you cannot sell your car unless you repay your loan. An NOC is required from the financier before you can sell your car.

Do I need to pledge anything or give collateral to get a car loan?

No, there’s no need for any collateral. You will only need you to hypothecate the car in our name. An endorsement will have to be made in the Registration Certificate (RC) book of the vehicle. This will be cancelled after you repay the loan.

What happens if the car meets with an accident?

In the event of an accident, the first step is to inform the insurance company. The company then sends a surveyor to assess the extent of damages to the car. Your claim is then processed and paid directly to us, unless you have taken an NOC from the bank in which case the payment will be made by the insurance company in your favour. The bank normally gives you an NOC if you are regular in your payments. In case of a complete loss, the bank will receive the payment directly from the insurance company.

How much time will it take to change the mode of repayment/ account to repay my loan?

It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the 25 day period, instructions already lodged with us will be presented for payment.

How much loan can I get?

The amount of the loan you can get depends on:

The cost of the vehicle
The type of vehicle (standard/premium)
The percentage of finance offered

How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid?

You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents:

Request form for Duplicate NOC/Form 35.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring “HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply:

Copy of RC Book is not submitted
The same vehicle is encumbered to the Bank for any other loan facility
Any notice from a competent authority restraining the Bank from release of hypothecation
If there are any existing over dues, direct or otherwise, in your name

How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you for validation.
Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if my Registration Certificate is mutilated and I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for the said purpose by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank?

Request form for applying for the required NOC.
Original Insurance Policy (will be returned back to you at the centre, post validation).
Copy of the Insurance Policy, duly self attested by you.
Claim Voucher provided by Insurance Company
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for fitting an LPG/CNG kit on my vehicle under finance with HDFC Bank?

You may obtain the NOC for fitting an LPG/CNG kit on your registered vehicle under finance with us by visiting any of our the Retail Loan Service Center and submitting the following documents:

Request form for LPG/CNG NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents (self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a Duplicate Repayment Schedule for my loan account?

Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents:

Request form for Duplicate Repayment Schedule.
Duplicate Repayment Schedule Charges of Rs.200/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided

How can I get my address changed in my loan account?

In order to change your address in our records, we request you to visit the Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest the Retail Loan Service Center :

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/account for my loan?

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank.
In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions.
In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

New Car Loans

What is the HDFC Bank Xpress Car Loan application process?
HDFC Bank offers a seamless and convenient Auto Loan application process. You can apply for your Car Loan through HDFC Bank NetBanking services. Also, if you are an existing HDFC Bank customer, you may be eligible to get a pre-approved Car Loan in just 10 seconds. For more information, you can log into your HDFC Bank NetBanking account.

How to get your Car Loan approved faster?
Before you apply for car finance, it is important to determine how much EMI you are comfortable paying. To know about the EMI you might have to pay, you can use the HDFC Bank Car Loan EMI Calculator.

You should check your Car Loan eligibility before applying. Both of these steps will allow you to prepare for your Car Loan application process.

Here are some tips to get your Car Loan approved faster:

Get your Know Your Customer (KYC) details handy.
If you apply for a Car Loan online, it can get processed and approved faster.
Being an existing HDFC Bank customer makes you eligible for a pre-approved Car
Loan that you can get in just 10 seconds.

Can I get 100% funding to buy a car?
Yes. HDFC Bank offers you up to 100% on-road funding for selected models of cars.

What is the minimum credit score I need to get a Car Loan?
There’s no specified minimum credit score for getting a Car Loan from HDFC Bank. But a lower credit score can reduce the loan amount you can get. A credit score above 750 is considered excellent for loans. This will allow you to get a higher loan amount at the most affordable Car Loan rates.

How much down payment do I need to make to buy a car?
HDFC Bank allows you to avail of zero-down payment Car Loans. For select cars, the bank provides 100% financing of the on-road price of your car. This eliminates the burden of a down payment.

What are the minimum and maximum tenures for Car Loans?
HDFC Bank offers flexible tenure for Car Loan products. While the minimum tenure is 12 months, the maximum loan tenure you can avail of is up to 8 years for EVs. View tenures for Custom-Fit and Balloon EMI Car Loans here

Is it possible to submit the Car Loan documents online?Existing
HDFC Bank Car Loan customers can share their Car Loan documents online through email. You can also request the Sales Manager of your car dealership to pick up the required documents at your convenience. Once the bank receives them, it will proceed with the Physical Approval, Digital Disbursal (PADD) process. You will receive an e-mandate form as consent for deducting EMIs from your HDFC Bank account.

How to check the status of our New Car Loan?
You can check the status of your New Car Loan by using the HDFC Bank loan status checker.

Pre-owned Car Loans

What are the tenure options for Pre-owned Car Loans?

The choice is with you. You can choose from any of the 5 well-placed repayment option of 12,24,36,48 or 60 months all specially designed to suit your requirements.

How many times of my annual salary can I borrow with HDFC Bank Auto Loan?

You can borrow up to 3 times your annual salary if you are a salaried professional and 6 times your annual income if you are a self-employed professional **.

**This would also vary with higher loan value

Do I need a guarantor for Pre-owned Car Loans?

No, but if your income does not meet our credit criteria, then you may be required to have a guarantor to stand surety for your loan.

How much finance can I avail of on Pre-owned Car Loans?

You can borrow up to 85% of the car valuation

What are the special privileges that HDFC Bank account holders can avail of?

If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more than six months, you can get fast approvals on your loans with minimal documentation.

Which cars can be financed for Pre-owned Car Loans?

We finance most of passenger cars manufactured by India's leading automobile companies

What is the maximum amount I can borrow with an HDFC Bank Pre-owned Car Loans?

You can get an additional loan on your existing HDFC Bank Auto loan if you have a clear repayment track record of 12 months or more, till the extent of your existing loan amount at an attractive rate of interest.

How long will it take to process loan for Pre-owned Car Loans?

Within 48 hours of completing documentation.

If I don't have an account with HDFC Bank, can I still avail of Pre-owned Car Loans?

Repayment is preferred from a HDFC Bank account. Having an account with HDFC Bank helps in better eligibility and approval rates.

Who can avail of HDFC Bank Pre-owned Car Loans?

We offer Pre-owned Car Loans to the following:

1. Salaried individuals in the age group of 21 to 60 years (at the end of the tenure)
2. Self-employed individuals in the age group of 21 to 65 years (at the end of the tenure)
3. Partnership Firms
4. Public & Private Ltd. Companies
5. HUFs and Trusts

Learn how to get an HDFC Bank Pre-owned Car Loans.

So how do I get an HDFC Bank Pre-owned Car Loans?

To get an HDFC Bank Pre-owned Car Loans, just fill the Online Application Form and our representative will get in touch with you shortly.

Or you can also Call us or Visit our branch.

Do I need a co-applicant for a New Car Loan?

No, but if your income does not meet our credit criteria then you may be required to have a co-applicant.

Do I have an option to pay a skipped/ missed EMI for Pre-owned Car Loans?

Yes, you can pay your missed EMI online. You need to provide your HDFC Bank Loan details, confirm payment towards HDFC Bank Loan account post which you will receive an online transaction confirmation and a Transaction Reference Number. The link for making HDFC Bank overdue loan repayment online is given below. https://www.billdesk.com/pgidsk/pgmerc/hdfcemi/index.jsp .

How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you for validation.
Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if my Registration Certificate is mutilated and I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for the said purpose by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What are the charges I have to pay to change the mode of repayment/ account for my loan?

A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring "HDFC Bank Ltd Loan Account No. << >>" will be required along with the revised set of repayment instructions.

How do I obtain a Duplicate Repayment Schedule for my loan account?

Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents:

Request form for Duplicate Repayment Schedule.
Duplicate Repayment Schedule Charges of Rs.200/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided

How do I obtain a NOC from the bank for fitting an LPG/CNG kit on my vehicle under finance with HDFC Bank?

You may obtain the NOC for fitting an LPG/CNG kit on your registered vehicle under finance with us by visiting any of our the Retail Loan Service Center and submitting the following documents:

Request form for LPG/CNG NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents (self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank?

Request form for applying for the required NOC.
Original Insurance Policy (will be returned back to you at the centre, post validation).
Copy of the Insurance Policy, duly self attested by you.
Claim Voucher provided by Insurance Company
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Who is responsible for payment of interest and other charges in case of cancellation of loan?

In case of cancellation of loan, interest charges needs to be borne by the customer from the date of disbursement till the date of cancellation of loan. Processing Fee, Stamp duty, Documentation charges (New Car) and RTO charges (Used Car Purchase/ Refinance) are non refundable charges and cannot be waived/ refunded in case of loan cancellation.

How can I get my address changed in my loan account?

In order to change your address in our records, we request you to visit the Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank.
In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions.
In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid?

You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents:

Request form for Duplicate NOC/Form 35.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring “HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply:

Copy of RC Book is not submitted
The same vehicle is encumbered to the Bank for any other loan facility
Any notice from a competent authority restraining the Bank from release of hypothecation
If there are any existing over dues, direct or otherwise, in your name

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest the Retail Loan Service Center :

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Is the bank responsible for delivery of Registration Certificate?

No. The Bank shall not be responsible for delivery of the Registration Certificate. The Borrower needs to submit the certified true copy of the Registration Certificate relevant to the vehicle for which the loan has been taken. The registration certificate needs to be submitted to the bank within 60 days of taking the vehicle delivery or 150 days from the date of disbursal of the loan whichever is earlier. The Borrower is also required to submit copy of the Insurance policy and Invoice to the bank, within this period.

Is the bank responsible for delivery of the vehicle?

No. The Bank shall not be responsible for delivery of the vehicle for which the loan has been availed. The Borrower shall be responsible for delay, non-delivery, or any defect, damage or quality of the Vehicle. The Bank shall not be responsible or liable if there is any defect or dispute of any nature in the title (even if it is found to be a stolen Vehicle) or ownership of the Vehicle and the Borrower shall independently satisfy itself in this regard.

Loan against Car

So how do I get the Loan against Car?

To get the Loan against Car, just fill the Online Application Form and our representative will get in touch with you shortly.

Or you can also Call us or Visit our branch.

How long will it take to process loan for Loan against Car?

You loan will be processed within 48 Hours where Asset Verification/Valuation is not required.

Does this require Car verification / Valuation?

Non-HDFC Bank financed cars will undergo car valuation and verification. If your car is HDFC Bank financed, it may undergo verification depending on your credit requirements.

Which cars can be financed for Loan against Car?

Any Hatchbacks and Sedans, excluding some models that are out of production can be financed. To know more give us a call or visit a branch.

What are the tenure options for Loan against Car?

The tenure options range from 12-60 months. The vehicle age at the end of Loan against Car tenure should not exceed 7 Years (Private Usage) and 6 Years (Commercial Use).

Who can avail the Loan against Car?

Any applicant owning a car, including a fleet operator or taxi where the present vehicle age is not more than 60 months, can avail of the Loan against Car.

Do I need a guarantor for Loan against Car?

No. The car itself acts as a security.

How much finance can I avail of on Loan against Car?

You can avail finance of up to 100% of original loan amount for a vehicle of 9 - 42 months vintage.

Do I have an option to pay a skipped/ missed EMI for Loan against Car?

How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you for validation.
Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if my Registration Certificate is mutilated and I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for the said purpose by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How can I get my address changed in my loan account?

In order to change your address in our records, we request you to visit the Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank?

Request form for applying for the required NOC.
Original Insurance Policy (will be returned back to you at the centre, post validation).
Copy of the Insurance Policy, duly self attested by you.
Claim Voucher provided by Insurance Company
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for fitting an LPG/CNG kit on my vehicle under finance with HDFC Bank?

You may obtain the NOC for fitting an LPG/CNG kit on your registered vehicle under finance with us by visiting any of our Retail Loan Service Center and submit your request .

How do I obtain a Duplicate Repayment Schedule for my loan account?

Alternatively, you may visit the nearest Retail Loan Service Center and submit your request .

How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid?

You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents:

Request form for Duplicate NOC/Form 35.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring “HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply:

Copy of RC Book is not submitted
The same vehicle is encumbered to the Bank for any other loan facility
Any notice from a competent authority restraining the Bank from release of hypothecation
If there are any existing over dues, direct or otherwise, in your name

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank.
In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions.
In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

Who is responsible for payment of interest and other charges in case of cancellation of loan?

If I don't have an account with HDFC Bank, can I still avail of loans?

Yes, you can.

Consumer Durable Loan

All Consumer Durable Loan

Whom do I contact in case of ay further queries regarding the loan?

You can apply online on the clicking on the below given link, also you can walk into any of our branches located in 11 mentioned locations and our Sales Managers will help you with your need

What are the tenures for which I can avail this loan?

HDFC Bank Consumer Durable Loan is available in 12, 18, 24 and as long as 36 months

Which all locations HDFC Bank Consumer Durable Loan is available currently?

Mumbai,
Delhi,
Bangalore,
Chennai,
Pune,
Hyderabad,
Jaipur,
Chandigarh,
Cochin,
Ahmedabad and
Kolkatta

What is the minimum loan value/product value?

We are funding products with loan value above Rs 40000

How can I change the mode of repayment/ account for my loan?

In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest Retail Loan Service Center and submit your request with the revised account mandate/instructions.

What are the charges I have to pay to change the mode of repayment/ account for my loan?

How can I get my address changed in my loan account?

In order to change your address in our records, you may visit the nearest Retail Loan Service Center (Link to open )and submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

Educational Loan

All Educational Loan

What is Pledge?

A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

Who can resolve my queries?

Loan account number
Name of applicant / loan favouring
Date of birth of the applicant (as provided in loan application form)
Correspondence address
Loan amount
EMI amount
Mode of repayment (standing instruction / ECS / post date cheques)
Bank name and account number from which the EMIs are collected
Query / Complain

Which documents should I carry at the time of visiting HDFC bank?

How much time will it take to change the mode of repayment/ account for your loan?

It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the said period, an instruction already lodged with us will be presented for payment.

How can I get my address changed in my loan account?

In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What are the charges I have to pay to change the mode of repayment/ account for my loan?

A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ACH or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >>” will be required along with the revised set of repayment instructions

How do I obtain a Duplicate Repayment Schedule for my loan account?

Request form for Duplicate Repayment Schedule.
Duplicate Repayment Schedule Charges of Rs.200/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):
Please submit the following documents at your nearest Retail Loan Service Center:

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"

In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

Education Loan for Indian Education

What is the maximum loan amount I can get for studies in India?

To study in India, the maximum loan you can get is upto Rs. 10 lacs.

Which course related expense does this loan cover (Education Loans For Indian Education)?

Apart from the basic course fee payable to the institution where you decide to study, the following expenses will be covered under the loan:

Exam/Library/Lab fees
Caution deposit / Refundable deposit asked by the institution / Building fund - supported by Institution bills / receipts
Purchase of Books/equipments/instrument/uniforms
Travel expenses/passage money for studies abroad
Purchase of computers - essential for completion of the course
Insurance
Miscellaneous expenses related to the course - like study tours, project work, thesis, etc.

How do I know if I am eligible for the education loan for Indian education?

If you are an Indian resident/citizen, have got admission in a graduate/ post graduate course in a college/institute/university which is recognized by the UGC/AICTE/AIBMS or ICMR, then you are eligible for the HDFC Bank Student Loan for Indian Education.

Which courses can I take an education loan for (Education Loans For Indian Education)?

You can take a Education Loan for Indian education on the following courses:

Management Courses (Full-Time) – Graduation + Post Graduation
Engineering Courses ( Government + Private ) - Graduation
Medicine - Graduation + Post Graduation
Masters in Computer Application ( MCA / MCM )
Architecture - Graduation + Post Graduation
Hotel and Hospitality - Graduation + Post Graduation
Agriculture - Graduation + Post Graduation
Pure Science - Graduation + Post Graduation

Do I need a co-applicant for the loan (Education Loans For Indian Education)?

Yes a co applicant is required for all full time courses. Co-applicant could be Parent/ Guardian or Spouse/ Parent-in-law (if married)

Is there moratorium/repayment holiday available (Education Loans For Indian Education)?

Yes. A moratorium/repayment holiday is available for select courses.

Do I have to make any repayment during the moratorium period (Education Loans For Indian Education)?

You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.

what does 'Moratorium Period' mean (Education Loans For Indian Education) ?

A repayment moratorium (also called a repayment holiday) is the course work period + 1 year or 6 months after the student gets a job or starts earning, whichever is earlier.

Will the loan be disbursed in favour of the Institute/college/university (Education Loans For Indian Education)?

Yes. The tuition and hostel fees (if any) will be disbursed directly to the educational institute as per the schedule and structure of fees given by them.

How long is the tenure of the loan (Education Loans For Indian Education)?

The maximum repayment tenures are as below:

For loans upto Rs. 7.50 lacs - upto 10 years
For loans above Rs. 7.50 lacs - upto 15 years

Do I have to pay any margin money - my own funding (Education Loans For Indian Education)?

Margin Money upto Rs. 4.00 lacs - Nil, For loans above Rs. 4.00 lacs - 5%

Do I need to provide collateral to avail of an education loan (Education Loans For Indian Education)?

For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required

For loans from Rs. 4 lakh to Rs. 7.5 lakh – No collateral required, however Third Party Guarantee is required

For loans above Rs. 7.5 lakh – collateral is required. You can choose from any of the following acceptable collaterals:

Residential Property
HDFC Bank Fixed Deposit
LIC/NSC/KVP

How do I obtain a Duplicate Repayment Schedule for my loan account?

Request form for Duplicate Repayment Schedule.
Duplicate Repayment Schedule Charges of Rs.200/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided

What are the charges I have to pay to change the mode of repayment/ account for my loan?

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

How can I get my address changed in my loan account?

In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):
Please submit the following documents at your nearest Retail Loan Service Center:

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"

What is the mode of repayment for student loan in India?

You have the option of repaying the loan through a Standing instruction, ACH or post-dated cheques.

Education Loan for Foreign Education

Which courses can I take an education loan for (Education Loans For Foreign Education)?

You can take a Education Loan for foreign education on the following courses:

Management Courses (Full-Time)
Engineering Courses
Medicine - Graduation + Post Graduation
Masters in Computer Application ( MCA / MCM )
Architecture
Hotel and Hospitality
Agriculture
Pure Science

What is the maximum loan amount I can get for studies abroad?

To study abroad, the maximum loan amount you can get is up to Rs. 20 lakhs.

Which course related expense does this loan cover (Education Loans For Foreign Education)?

Apart from the basic course fee payable to the institution where you decide to study, the following expenses will be covered under the loan:

Exam/Library/Lab fees
Caution deposit / Refundable deposit asked by the institution / Building fund - supported by Institution bills / receipts
Purchase of Books / equipments / instrument / uniforms
Travel expenses / passage money for studies abroad
Purchase of computers - essential for completion of the course
Insurance
Miscellaneous expenses related to the course - like study tours, project work, thesis, etc.

Is there a need of a co-applicant while applying Educational Loan

Yes, a co-applicant is required for all Full-Time courses .
Primary Co-Applicants –Parents, Spouse, Siblings
Secondary Co-Applicants- Father-In Law, Mother-In-Law, Brother-In-Law,Paternal/Maternal Uncle/Aunt

Do I need a co-applicant for the loan (Education Loans For Foreign Education)?

Yes a co applicant is required for all full time courses. Here are a few points to be noted about co applicants:

Primary Co-Applicants: Parents, Spouse, Siblings
Secondary Co-Applicants: Father-In Law, Mother-In-Law, Brother-In-Law, Paternal / Maternal Uncle / Aunt

How long is the tenure of the loan (Education Loans For Indian Education)?

The maximum tenure of the loan can be 7 years, including the Moratorium period.

What does 'Moratorium period' mean (Education Loans For Foreign Education)?

A repayment moratorium (also called a repayment holiday) is the course work period + 1 year or 6 months after the student gets a job or starts earning, whichever is earlier.

What is the mode of repayment (Education Loans For Foreign Education)?

You have the option of repaying the loan through a Standing instruction, ECS or post-dated cheques.

Is there moratorium/repayment holiday available (Education Loans For Foreign Education)?

Yes. A moratorium/repayment holiday is available for select courses.

Do I have to make any repayment during the moratorium period (Education Loans For Foreign Education)?

You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.

Do I need to provide collateral to avail of an education loan (Education Loans For Foreign Education)?

For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required

For loans from Rs. 4 lakh to Rs. 7.5 lakh – No collateral required, however Third Party Guarantee is required

For loans above Rs. 7.5 lakh – collateral is required. You can choose from any of the following acceptable collaterals:

Residential Property
HDFC Bank Fixed Deposit
LIC/NSC/KVP

Will the loan be disbursed in favour of the Institute/college/university (Education Loans For Foreign Education)?

Yes. The tuition and hostel fees (if any) will be disbursed directly to the educational institute as per the schedule and structure of fees given by them.

Do I have to pay any margin money - my own funding (Education Loans For Foreign Education)?

Margin Money upto Rs. 4.00 lacs - Nil, For loans above Rs. 4.00 lacs - 15%.

Who can apply for Credila Education Loan?

Credila provides education loan to Indian students for higher studies in India and abroad. Credila has funded Indian students for pursuing higher studies in over 2000 institutes across 36 countries.

Can I apply before confirmed admission?

Yes you can apply before securing an admission.

Why should I get loan sanction before admission?

The preferred way to declare ‘Assured Funds to Universities’
Better acceptance of the sanction letter over the solvency letter
Increases your chances of getting admission to your dream college
No last minute surprises specially during Visa time:
Know your loan eligibility in advance
Quick and hassle free process to get a sanction letter

How much loan can I get from Credila?

Credila is the only lender that not only finances up to 100% of the cost of education but also gives education loan over Rs. 20 lakh.

When do I start paying my EMI?

Credila’s unique education loan offers the flexibility of paying only simple interest (PEMI) during the course period and principle plus interest (EMI) after the completion of studies and grace period.

Will we get tax benefit on the interest paid on education loan?

Yes, every Credila borrower or co-borrower (any one) is entitled for Tax benefit under 80E of Income Tax Act, 1961.

Do I need a co-borrower for the loan?

Yes a co-applicant is required for all full time courses.

Who can be my co-borrowers?

Relative with a good income and who can support your education loan application. Typically it can be your father, mother, brother, sister, spouse, cousin, paternal uncle (Chacha), paternal aunt (Chachi), maternal uncle (Mama), maternal aunt (Mami), grandfather, grandmother.

Who should opt for an education loan and why?

Usually, middle-income group people apply for education loans. However, because of:

Rapidly rising costs of education
Income tax benefit under 80 E of IT Act
Students wanting to take their own financial responsibilities to preserve the parents savings
build positive credit history

Even affluent families are going for education loan

What all is the loan for – study and stay or just study?

Education loan is normally taken for financing tuition fees, living expenses (hostel etc.), books and periodicals and sometimes traveling.

What kind of collateral security is required?

Security which can support your loan amount is collateral. It can be a flat, house, non-agricultural land, fixed deposit, etc. Sufficient and good collateral security improves loan application significantly.

Is there a moratorium/ repayment holiday available?

Yes. A moratorium holiday is available for the select courses.

Do I have to make any repayments during the moratorium period?

You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.

What is the mode of repayment?

You have the option of repaying the loan through an ECS.

What all is the loan for – study and stay or just study?

Education loan is normally taken for financing Tuition fees, living expenses (hostel etc.), books and periodicals and sometimes traveling

Which courses can I take an Education Loan for?

You can take an Education Loan for the following:

Engineering/MS
MBA/PGBM
Medical
Hotel Management

*Other courses may be considered on a case to case basis

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

How can I get my address changed in my loan account?

In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How can I change the mode of repayment/ account for my loan?

How do I know if I am eligible for an education loan for foreign education?

If you are an Indian resident/citizen, have got admission for a job oriented professional / technical courses offered by reputed universities, MBA, MCA, MS, etc, Degree / diploma courses like aeronautical, shipping, etc provided these are recognized by competent regulatory bodies in India/abroad for the purpose of employment in India / abroad.

Rural Loans

All Rural Loans

What is Guarantor?

A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

What is De-pledge?

Removal of a pledge from the security to regain the rights over the security is called de-pledge.

*Conditions Apply

What is Pledge?

A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

What is Amortization?

Amortization is paying off debts in regular instalments over a period of time.

What is RTGS?

What is NEFT?

The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.

What is SI?

CIBIL stands for Credit Information Bureau India Limited. CIBIL's aim is to fulfil the need of credit granting institutions for comprehensive credit information by collecting, collating and disseminating credit information pertaining to both commercial and consumer borrowers, to a closed user group of members. Banks, Financial Institutions, Non-Banking Financial Companies, Housing Finance Companies and Credit Card Companies use CIBIL's services. Data sharing is based on the Principle of Reciprocity, which means that only Members who have submitted all their credit data may access Credit Information Reports from CIBIL.

The establishment of CIBIL is an effort made by the Government of India and the Reserve Bank of India to improve the functionality and stability of the Indian financial system by containing NPAs while improving credit grantors' portfolio quality. CIBIL provides a vital service, which allows its Members to make informed, objective and faster credit decisions.

Who can resolve my queries?

Loan account number
Name of applicant / loan favouring
Date of birth of the applicant (as provided in loan application form)
Correspondence address
Loan amount
EMI amount
Mode of repayment (standing instruction / ECS / post date cheques)
Bank name and account number from which the EMIs are collected
Query / Complain

Which documents should I carry at the time of visiting HDFC bank?

How can I get my address changed in my loan account?

In order to change your address in our records, we request you to visit the Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you for validation.
Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if my Registration Certificate is mutilated and I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for the said purpose by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank?

Request form for applying for the required NOC.
Original Insurance Policy (will be returned back to you at the centre, post validation).
Copy of the Insurance Policy, duly self attested by you.
Claim Voucher provided by Insurance Company
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid?

You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents:

Request form for Duplicate NOC/Form 35.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply:

Copy of RC Book is not submitted.
The same vehicle is encumbered to the Bank for any other loan facility.
Any notice from a competent authority restraining the Bank from release of hypothecation.
If there are any existing over dues, direct or otherwise, in your name.

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest the Retail Loan Service Center :

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/account for my loan?

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank.
In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions.
In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

Tractor Loans

Do you want to repay the loan earlier than the due date?

If you want to repay your loan earlier than the due date, feel free to do so.

Can I pre-pay the entire loan amount?

Yes, you will have to pay a pre-payment fee of 4% if you pay your entire loan before 12 months from the date of disbursement. You will have to pay a pre-payment fee of 2 % if you pay your loan after 12 months from the date of disbursement.

Is a guarantor required?

You will require a guarantor in all cases except certain segments where you have offered agricultural land as additional collateral.

Can I get a tractor loan for any tractor I want to purchase?

If your tractor is made by a leading automobile manufacturer in India, you can get a loan.

Who is eligible for a tractor loan?

Whether you are a farmer or not, you can avail HDFC Bank's Tractor loan for agricultural or commercial purposes. If you are a farmer, you must have a minimum of 3 acres of agricultural land.

To know about the eligibility criteria in detail, click here.

What is the maximum loan amount I can take on a Tractor Loan?

You can borrow up to 90%, subject to credit underwriting standards of the bank.

What are the different modes of loan repayment?

Customer has option of Monthly, Bi-monthly, Quarterly & Haly yearly repayment options, depending on customer segment and product variant.

What if I want to repay the loan earlier than the due date?

If you want to repay your loan earlier than the due date, feel free to do so.

How can I get my address changed in my loan account?

In order to change your address in our records, we request you to visit the Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you for validation.
Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if my Registration Certificate is mutilated and I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for the said purpose by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank?

Request form for applying for the required NOC.
Original Insurance Policy (will be returned back to you at the centre, post validation).
Copy of the Insurance Policy, duly self attested by you.
Claim Voucher provided by Insurance Company
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents (self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What are the charges I have to pay to change the mode of repayment/ account for my loan?

A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >>" will be required along with the revised set of repayment instructions.

How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid?

You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents:

Request form for Duplicate NOC/Form 35.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply:

Copy of RC Book is not submitted.
The same vehicle is encumbered to the Bank for any other loan facility.
Any notice from a competent authority restraining the Bank from release of hypothecation.
If there are any existing over dues, direct or otherwise, in your name.

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest the Retail Loan Service Center :

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post-dated cheques if I request to change the mode of repayment/account for my loan?

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank.
In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions.
In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

Retail Agri Loans

How can I change the mode of repayment/ account for my loan?

n the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Center and submit your request with the revised account mandate/instructions.

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest the Retail Loan Service Center:

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank.
In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions.
In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

What is Guarantor?

A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

What is De-pledge?

Removal of a pledge from the security to regain the rights over the security is called de-pledge.

*Conditions Apply

What is Amortization?

Amortization is paying off debts in regular instalments over a period of time.

Loan Against Assets

All Loans Against Assets

What is Guarantor?

A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

What is De-pledge?

Removal of a pledge from the security to regain the rights over the security is called de-pledge.

*Conditions Apply

What is Pledge?

A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

What is Amortization?

Amortization is paying off debts in regular instalments over a period of time.

What is RTGS?

The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.

What is SI?

Loan account number
Name of applicant / loan favouring
Date of birth of the applicant (as provided in loan application form)
Correspondence address
Loan amount
EMI amount
Mode of repayment (standing instruction / ECS / post date cheques)
Bank name and account number from which the EMIs are collected
Query / Complain

Which documents should I carry at the time of visiting HDFC bank?

Can I repay my loan earlier than the due date?

Yes you can repay your loan at any time during the loan tenure. However prepayment is not permitted within 6 months from loan disbursal date. For charge details, Click here

If I have shares of one company only, can I get a limit against just one script?

Yes, you can get limits by pledging any of the approved single scripts under our Single Scrip Scheme. (Do note that the drawing power on these single scripts will range from 25% to 50%)

What are the different loan repayment modes?

The loan can be repaid through a Standing Instruction (to debit your HDFC Bank Savings/Current Account for repayment of EMIs) or ECS (to debit your External Bank Account for repayment of EMIs) or by a complete set of Post Dated Cheques.

How can I get my address changed in my loan account?

In order to change your address in our records, we request you to visit the nearest Retail Loan Service Center and submit the following documents:

Request form for Address Change.
Self attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid?

You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents:

Request form for Duplicate NOC/Form 35.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 250/- vide a cheque/payorder/demand draft favouring “HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply:

Copy of RC Book is not submitted
The same vehicle is encumbered to the Bank for any other loan facility
Any notice from a competent authority restraining the Bank from release of hypothecation
If there are any existing over dues, direct or otherwise, in your name

How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you for validation.
Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No.
Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank if my Registration Certificate is mutilated and I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank?

You may obtain the NOC for a duplicate Registration Certificate book for the said purpose by visiting any of our Retail Loan Service Center and submitting the following documents:

Request form for applying for the required NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Applicable fee of Rs. 200/- vide a cheque/payorder/demand draft favouring "HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank?

Request form for applying for the required NOC.
Original Insurance Policy(will be returned back to you at the centre, post validation).
Copy of the Insurance Policy, duly self attested by you.
Claim Voucher provided by Insurance Company
Applicable fee of Rs. 200/- vide a cheque/payorder/demand draft favouring “HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

I have changed my state of residence? How do I obtain a NOC from the bank for re-registering my vehicle loan at a different state as that declared at the time of my Car Loan application?

You may obtain the NOC for an Interstate Transfer on your Car Loan by visiting any of our the Retail Loan Service Center and submitting the following documents:

Request form for the NOC.
Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation.
Self attested copy of your revised address proof along with the original address proof for validation.
Revised repayment instructions, in case of change in bank account for repayment of loan.
Imdemnity on Rs.200/- stamp paper stating that you will ensure submission of re-registered copy of Registration Certficate at any of our Loan Service Centres, post successful transfer.
Refundable Deposit of Rs.5000/- vide cheque/pay order favouring “HDFC Bank Ltd Loan A/c No. << >>". This fee will be refunded to you on submission of copy of Registration Certificate book with the inter-state transfer to our Loan Service Centre.
Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring “HDFC Bank Ltd Loan Account No. << >>".
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How do I obtain a Duplicate Repayment Schedule for my loan account?

Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents:

Request form for Duplicate Repayment Schedule.
Duplicate Repayment Schedule Charges of Rs.200/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest the Retail Loan Service Center :

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/account for my loan?

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank.

In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions.

In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

Are there any additional charges for loan repayment?

The additional charges (if any) are applicable in case you default or in case of SWAP (i.e. change the repayment mode). The charges are updated and can be viewed in the Fees & Charges section in the Bank’s website of each loan product.

Loan Against Securities

Do I get statements for my account?

Monthly statements of accounts are sent to you. The facility of email statement of accounts is also available.

What is the procedure to get the TRF booklet?

We have revised the process for the issue of Transfer Request Forms to eligible Customers. These will no longer be available "over-the-counter" (as and when required) at our LAS Service Centres but will have to be indented from our Central Processing Unit. An application form is enclosed which will have to be used to place indents (maximum 10 nos. of TRF Forms per request). Application Forms are also available at our LAS Service Centres and on our website

In this connection, kindly also note that:

1. The Transfer Request Forms will be serially numbered with your Client ID duly stamped thereon,
2. The serial numbers will be maintained in our systems and any request for pledge/withdrawal must only be submitted on a TRF issued to your account. No deviations can be allowed and you are requested to ensure that adequate number of forms are available to meet your normal requirements. Our Bank will not be responsible for any delay in transaction due to non-availability of TRF.
3. The book of Transfer Request Forms will be couriered directly to your mailing address on record within a maximum of 7 working days, once the application is received and found to be in order. We suggest that your mailing address be checked and updated (if required). Our Bank will not be responsible for any delays in delivery due to incorrect / incomplete address.
4. The book containing the Transfer Request Forms must be handled with care and kept secure at all times. Any loss, misplacement or damage must immediately be reported to the LAS Service Desk.
5. For now, applications for TRF can only be submitted through LAS Service Desks. However, the facility will soon be available through NetBanking. In case you are not registered for NetBanking, kindly visit our website (www.hdfcbank.com) to register for the facility online.

How can I get my securities released?

Please submit a security release request letter mentioning certificate numbers, the FAS account number (Agreement number), the Overdraft account number (signed by all the account holders) and the respective security holder. This letter needs to be submitted at any of our Loan Against Securities desks or to a branch that has a Loan against securities facility

What is the minimum Loan value?

The minimum loan value is Rs. 2 Lakhs.

How would I pay the interest debited to my Loan Against Securities account each month?

Simply service your interest payable at monthly intervals through credits in your overdraft account.(As per RBI Guidelines DBOD.NO.BP.BC.10/21.04.048/2004)

What are the other benefits that I can get from my Loan Against Securities Account?

All the benefits that we offer on the Current Account are also applicable to the Overdraft account. This includes facilities like Phone Banking, NetBanking, BillPay and ATM. As a privileged Loan Against Securities customer, you will be entitled to our FREE International Debit Card.(only for the first holder)

How frequently will my portfolio be re-valued?

We generally do that on a weekly basis, unless there is a sudden fall in the market prices. In that case, we can conduct an Interim revaluation.

Would the shares be held in my name?

The shares will remain in your name only. A loan against security lets you reap your regular benefits from shares such as rights, dividends and bonuses whilst you take a loan against them.

Is my overdraft limit fixed?

This will completely depend on the market rate of the securities that you have pledged. Of course, we will value your portfolio periodically to determine your overdraft limit. You can increase your overdraft limit by pledging more shares/securities , or decrease it by withdrawing them – that's completely up to you.

Is there any charge in the LAS Account if there are no limits?

Yes, for accounts with no limits in a month a Zero Limit charge of Rs. 1000 plus taxes for that month is levied. For details of other charges levied in LAS accounts, Click here

Loans Against Rental Receivables

How should I apply for a duplicate NOC/ closure letter?(Loans Against Rental Receivables)

We request you to visit our nearest Retail Asset Branch along with a written request for a duplicate No Objection Certificate (NOC) and your photo identity proof.

How do I apply for a Loan Against Rent Receivables (LARR)?

You can apply for a Loan Against Rent Receivables in the following ways:

Fill and submit in the Online Application Form and our representative will get in touch with you.
Call on one of our PhoneBanking numbers provided on the website
Visit your nearest HDFC Bank branch
Our existing Liability customers may also get in touch with their Relationship Managers/ Personal Bankers to know more and apply for a LARR

What Property can be considered as collateral for LARR?

You can provide Commercial Property (Shops & Offices) leased to reputed lessees as collateral for a Loan Against Rent Receivables.

How much loan can be offered against my Property?

A Loan Against Rent Receivables can be extended up to a maximum of 50%* of market value of your property. However this dependent on Net Rentals, balance tenure & other parameters.

What is the maximum tenure to repay the Loans Against Rental Receivables?

A Loan Against Rent Receivables can be sanctioned for a minimum tenure of 12 months and a maximum tenure of 108 months. This however depends on the balance lease period and other parameters.

What are the Fees and Charges applicable?

You may refer to the “Fees & Charges” option under the product “Loan against Rent Receivables”.

What is EMI?

EMI stands for Equated Monthly Installments.

Are there any additional charges for loan Prepayment?

You may refer to the “Fees & Charges” option under the product “Loan against Property” and “Loan Against Rent Receivables”.

‘* All terms and conditions are at the Sole discretion of HDFC Bank Ltd. The bank reserves the right to change/ modify any of the above at any time.

What are the documents required to avail of the Loans Against Rental Receivables?

Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card.
Proof of Identity - Any one of Voters Card / Drivers License / Employers Card.
Latest Bank Statement / Passbook (where rentals are credited for past 12 months).
Copy of current Lease Agreement
Copies of all Property Documents.

How can I make a request to foreclose my Loans Against Rental Receivables account?

Kindly submit a written request to your nearest Retail Loan Service Centre to close your account. Our customer service desk will provide you with the necessary assistance.

What are the charges I need to pay to foreclose my Loans Against Rental Receivable?

In case you wish to foreclose your Loan Against Property, the foreclosure charges are applicable on the outstanding principal or Outstanding Limit as the case may be.(Pre-payment is allowed only after 6 months from the date of loan disbursement).

How much time will it take to decision an application for Loan Against Rental Receivables?

Applications would be decisioned within 7 days, and in cases which involve customer availability for completing a field investigation or title search and valuation of a property, within 25 days.

Gold Loan

How long does it take to process Gold Loan?

A gold loan is disbursed within One Hour. This is, however, subject to the verification of the gold and other documents that you submit. Approvals are at the sole discretion of the bank.

How much loan amount can be availed at a time?

Loan value starts from Rs.50000 onwards depending on the amount of Gold brought. Loans less than Rs 50000/- also available for rural markets.

Are there any benefits on Agricultural/Priority sector ?

Yes, bank will give preferred interest rates and priority processing for the Priority sector.

How should the gold loan be repaid?

The best thing about Loan against Gold is that only servicing of the interest is required.
Monthly out flow as low as Rs 1000 per lakh calculated basis indicative rate of 12% p.a

What security is required against the Gold Loan?

All gold to be brought to HDFC’s designated/disbursement branch.We will value the gold and based on that valuation you can choose from the various product offerings, depending on your loan requirement.

What will be the tenure of Gold loan?

Gold Loan are available for tenures starting from 6 months, up to 48 months.

What are Benefits for HDFC Bank account holders ?

Benefits are quick processing time and simplified documentation. Further there are preferred rates for customers who have a strong banking relationship with the bank.

Loan Against Property

How do I apply for a Loan Against Property (LAP)?

You can apply for a loan in the following ways:

Fill in the online application form and our representative will get in touch with you
Call one of our PhoneBanking numbers provided on the website
Visit your nearest branch
Our existing liability customers may also get in touch with their Relationship Managers/ Personal Bankers to know more and apply for LAP

What Property can be considered as collateral for LAP?

You can provide your self-occupied Residential or Commercial property (Shops and Offices) as collateral.

What is the maximum loan I can get against my Property?

You can get a Loan Against Property up to a maximum of 60%* of the market value of your property.

* conditions apply

Can I avail an Overdraft against my Property?

A Loan Against Property can be availed as a Term Loan with EMI repayments or as a Drop line Overdraft Facility.

What are the fees & charges applicable?

You may refer to the "Fees & Charges" option under the product "Loan Against Property" and "Loan Against Rental Receivables".

What is PDC?

PDC stands for Post dated cheques. PDCs are collected for repayment of EMIs.

Are there any additional charges for loan Pre-payment?

You may refer to the "Fees & Charges" option under the product "Loan Against Property" and "Loan Against Rental Receivables".

All terms and conditions are at the Sole discretion of HDFC Bank Ltd. The bank reserves the right to change/ modify any of the above at any time.

What are the documents required to avail of the Loan Against Property?

For Salaried Individuals

What is the maximum tenure to repay the Loan Against Property?

A Loan Against Rent Receivables can be sanctioned for a minimum tenure of 12 months and a maximum tenure of 108 months. This however depends on the balance lease period and other parameters.

How can I make a request to foreclose my Loan Against Property account?

Kindly submit a written request to your nearest Retail Loan Service Centre to close your account. Our customer service desk will provide you with the necessary assistance.

What are the charges I need to pay to foreclose my Loan Against Property?

What are the charges I need to pay to foreclose my loan?

You may refer to the "Fees & Charges" option under the product "Loan Against Property" and "Loan Against Rental Receivables".

How much time will it take to decision an application for Loan Against Property?

Applications would be decisioned within 6 days*

*Subject to customer submitting all the required financial and collateral documents to the bank at the time of application. Also subject to legal & technical clearance of the property, Applicable for cases upto 3 crores.

How can I get my address changed in my loan account?

In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Center :

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Center :

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents (self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest Retail Loan Service Center :

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

What are the charges I have to pay to change the mode of repayment/ account for my loan?

A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring "HDFC Bank Ltd Loan Account No. << >>" will be required along with the revised set of repayment instructions.

Smartdraft - Overdraft Against Against Salary

Am I eligible for SmartDraft?

Yes you are eligible for SmartDraft, if your salary account with us has regular salary credits and your company is on our approved list for overdraft facility.

Also, your minimum net monthly income must be Rs. 15,000.

When will my SmartDraft limit be renewed?

Based on your account performance and salary credits, your overdraft limit will be renewed after 12 months once the payment of the annual renewal fee is made.

Which locations is SmartDraft available in?

SmartDraft is available in the following locations only: Mumbai, Delhi, Gurgaon, Noida, Bangalore, Chennai, Hyderabad, Secunderabad, Kolkata, Pune, Nasik, Jaipur, Baroda, Indore, Bharuch, Surat, Silvasa, Chandigarh, Ludhiana, Patiala, Coimbatore, Ahmedabad, Lucknow, Calicut, Trichur and Cochin.

How do I utilize this amount?

This amount is made available in your Salary Account. You can withdraw it through the regular modes i.e. ATM, Cheques, online transfers.

What is the amount I can get as an overdraft?

Depending on your eligibility, the maximum amount you can avail as an overdraft is Rs. 1 Lakh. The minimum overdraft amount is Rs. 25,000.

How many salary credits are required in my existing account to qualify for SmartDraft?

To qualify for SmartDraft you need a minimum of 3 salary credits

Other Loan

Loan for Professionals

How long will it take for my Professional loan to be processed?

Once you submit your application form and the required documents as per Bank''s criteria, you can expect our approval and disbursal within 7 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank.

Can I repay the loan earlier for Professionals Loan?

Yes, you can choose to repay your loan anytime after 06 months of taking the loan and after you have paid 06 EMIs along with applicable foreclosure charges. Please note Loan can be foreclosed by issuing a Demand draft / cheque at the branch; kindly note that cash beyond Rs. 49000/- will not be accepted for loan repayment against full closure/matured loan closure payment. Any payment above Rs. 49000/- should be made vide Account payee Cheque / Pay order /Demand draft.

How can I get my address changed in my loan account?

In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents:

Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan?

What are the charges I have to pay to change the mode of repayment/ account for my loan?

How do I obtain a Duplicate Repayment Schedule for my loan account?

Request form for Duplicate Repayment Schedule.
Duplicate Repayment Schedule Charges of Rs.200/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:
We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.
Please submit the following at your nearest Retail Loan Service Center:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):
We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.
Please submit the following at your nearest Retail Loan Service Center:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>"***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):
Please submit the following documents at your nearest Retail Loan Service Center:

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"

What are the benefits of having a Current/Saving Account for my Loan to Professionals?

You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank account with the EMI amount.

How much loan can I avail of for Professionals?

You can avail of a loan from Rs 50,000/- to Rs 40,00,000/- depending on your income, repayment capacity and respective location product cap.

How do I repay my Professionals loan?

You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through Electronic Clearing System (ECS ) or a standing instruction to debit your HDFC Bank account with the EMI amount

What security do I need to provide to obtain Professionals loan?

To obtain the loan, there is absolutely no need to provide any security or collateral.

What are the loan tenure options for Professionals Loan?

You can repay your loan over a period of 12 to 60 months

Government Sponsored Programs

All Government Sponsored Programs

What is Guarantor?

A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

What is De-pledge?

Removal of a pledge from the security to regain the rights over the security is called de-pledge.

*Conditions Apply

What is Pledge?

A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

What is Amortization?

Amortization is paying off debts in regular instalments over a period of time.

What is RTGS?

What is NEFT?

The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.

What is SI?

What is CIBIL?

Who can resolve my queries?

Loan account number
Name of applicant / loan favouring
Date of birth of the applicant (as provided in loan application form)
Correspondence address
Loan amount
EMI amount
Mode of repayment (standing instruction / ECS / post date cheques)
Bank name and account number from which the EMIs are collected
Query / Complain

Which documents should I carry at the time of visiting HDFC bank?

How can I change the mode of repayment/ account for my loan?

You can opt to repay through alternate repayment instructions as follows:

1) Standing Instructions:

We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
3 Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>", each undated and filled with a value equal to the sum of 3 EMIs.
SI mandate duly filled and verified by HDFC Bank.
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

2) Electronic Clearing Service (ECS):

We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates.

Please submit the following at your nearest Retail Loan Service Centre:

Request form for swap of repayment instructions.
Security cheques favoring "HDFC Bank Ltd Loan Account No. << >>" ***
ECS mandate duly filled and verified by your banker.
ACH(Automated Clearing House) Mandate.
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each.

3) Post-dated Cheques (This mode is allowed only if the location is non ECS):

Please submit the following documents at your nearest the Retail Loan Service Center :

Request form for swap of repayment instructions
Revised post dated cheques in favour of "HDFC Bank Ltd Loan Account No. << >>" for the balance EMIs.
ACH(Automated Clearing House) Mandate
Swap Charges of Rs.500/- favouring "HDFC Bank Ltd Loan Account No. << >>"
In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

Are there any additional charges for loan repayment?

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INSURE

Life Insurance,Health & Accident Insurance,Vehicle Insurance,Travel Insurance

Life Insurance

Health Plans

HDFC Life Cancer Care

What is the HDFC Life Cancer Care Policy?

HDFC Life brings to you a comprehensive Cancer Care plan that provides financial protection for both early and major stage of cancer with several unique features like:
This is a plan that not only gives pay outs but also a waiver on premium for the next 3 policy years on diagnosis of early stage of cancer
There is an increased benefit where the Sum insured under the policy increases every year under the Gold and Platinum option. Also, there is an income benefit under the Platinum option

What are the Plan Options available for this product?

There are 3 plan options available in this product namely Silver, Gold and Platinum. The base benefit is applicable on all the 3 options. The increased benefit is applicable on Gold and Platinum options where as income benefit is applicable only on the Platinum option.

What is the discounted Premium on higher Sum Assured?

There would be rebates in the form of lower premium rates for incremental Sum Insured over & above Rs. 10,00,000.

Would I have to go for any medicals?

No, there would not be medical tests involved in this plan.

Can I opt for this plan if I have a pre existing Cancer?

No, you are not eligible for the plan if you have pre existing Cancer.

Is there any death benefit for this plan?

HDFC Life Cancer Care plan aims to aid the expenses to survive through the dreaded disease like Cancer. Hence it has benefits linked to diagnosis and treatment of disease and no death benefit is payable.

Why do I need the HDFC Life Cancer Care Policy

With the rising incidence of Cancer in our country, it is necessary to protect your loved ones against it. To ensure that you and your family are financially protected against this giant disease, Cancer, HDFC Life brings for you HDFC Life Cancer Carewhich will take care of emergencies and help you to continue achieving your life goals without any speed breaker.

Is there any maturity benefit for this plan?

No, there is no maturity benefit available under this plan.

Is there any Surrender benefit for this plan?

No, there is no surrender value available under this plan.

HDFC Life Easy Health

What is HDFC Life Easy Health Plan?

HDFC Life Easy Health is a fixed benefit, health insurance plan that provides coverage against Critical Illnesses, specified Surgeries and also provides Daily Hospital Cash Benefit in case of hospitalization. This cover will be available for a period of 5 years.

What are the different plan options available under this product?

You can select 1 or a combination of 2 or 3 benefits available under this plan. There are 7 plan options that you can select from. They are as follows:

PLAN OPTION	BENEFITS COVERED
1	Daily Hospital Cash Benefit
2	Surgical Benefit
3	Critical Illness Benefit
4	Daily Hospital Cash Benefit + Surgical Benefit
5	Surgical Benefit + Critical Illness Benefit
6	Daily Hospital Cash Benefit + Critical Illness Benefit
7	Daily Hospital Cash Benefit + Surgical Benefit + Critical Illness Benefit

Would I have to go for any medicals?

No, there would not be medical tests involved with this plan.

What are the different Sum Insured options available underthis product?

There are 10 different Sum Insured options to select from, starting as low as Rs.25,000. The different options available are as follows:

OPTION	SUM ASSURED
1	Rs 25,000
2	Rs 50,000
3	Rs 75,000
4	Rs 1,00,000
5	Rs 1,50,000
6	Rs 2,00,000
7	Rs 2,50,000
8	Rs 3,00,000
9	Rs 4,00,000
10	Rs 5,00,000

Are there any Tax benefits with this product?

Yes, you may be eligible for tax benefits under section 80D of the Income Tax Act 1961.Please note that the above mentioned benefits are as per the current tax laws. Your tax benefits may change if the tax laws are changed. It is advisable to re-confirm the same with your tax consultant.

Are there any exclusions under this product?

Unless expressly stated to the contrary in this Policy, HDFC Life will not make any payment for any claim in respect of any Life Assured if it is directly or indirectly caused by, arises from or is in any way attributable to any of the following:

Treatment for congenital disease or deformity, including physical defects present from birth will not be covered by the policy.
Hospitalization and/or surgery is/are not in accordance with the diagnosis and treatment of the condition for which the hospital confinement or surgery was required;
Any condition with respect to the covered benefits, for which the insured had signs or symptoms, and/or was diagnosed, and/or received medical advice/treatment within the waiting period.
Elective surgery or treatment which is not medically necessary;
Weight reduction or weight improvement regardless of whether the same is caused (directly or indirectly) by a medical condition;
Study and treatment of sleep apnoea;
Routine eye tests, any dental treatment or surgery of cosmetic nature, extraction of impacted tooth/teeth, orthodontics or orthognathic surgery, or tempero-mandibular joint disorder except as necessitated by an accidental injury and warranting hospitalization
Outpatient treatment
Hospitalization and/or surgery relating to infertility or impotency, sex change or any treatment related to it, abortion, sterilization and contraception including any complications relating thereto;
Hospitalization and/or surgery for treatment arising from pregnancy and it’s complications which shall include childbirth or miscarriage;
Hospitalisation primarily for any purpose which in routine could have been carried out on an out-patient basis and which is not followed by an active treatment or intervention during the period of hospitalization.
Experimental or unproven procedures or treatments, devices or pharmacological regimens of any description (not recognized by Indian Medical Council) or hospitalization for treatment under any system other than allopathy;
Any mental or psychiatric condition including but not limited to insanity, mental or nervous breakdown / disorder, depression, dementia, or psychosomatic disorders. Alzheimer’s disease will also be excluded from all the covered benefits except Critical Illness.
Convalescence, rest cure, sanatorium treatment, rehabilitation measures, respite care, long term nursing care or custodial care and general debility or exhaustion (run down condition)
Directly or indirectly arising from alcohol, drug or unless taken in accordance to the dosage and duration as prescribed by the independent medical practitioner substance abuse and any illness or accidental physical injury which may be suffered after consumption of intoxicating substances, liquors or drugs;
Directly or indirectly arising from or consequent upon war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, terrorism, rebellion, active participation in strikes, riots or civil commotion, revolution, insurrection or military or usurped power and
Sexually transmitted diseases or any treatment in the presence of HIV infection Acquired
Cosmetic or plastic surgery except to the extent that such surgery is necessary for the repair of damage caused solely by accidental injuries, cancer or burns.
Treatment of xanthelesema, , acne and alopecia; circumcision unless necessary for treatment of a disease or necessitated due to an accident
Nuclear disaster, radioactive contamination and/or release of nuclear or atomic energy;
Injury or illness caused by intentionally self-inflicted injuries; or any attempts of suicide while sane or insane; or deliberate exposure to exceptional danger (except in an attempt to save human life);
Injury or illness caused by violation or attempted violation of the law, or resistance to arrest; or by active participation in an act with criminal intent.
Injury or illness caused by professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, and any other hazardous activities or sports unless agreed by special endorsement;
Hospitalization where the Life Assured is a donor for any organ transplant;
Any injury, sickness or disease received as a result of aviation, gliding or any form of aerial flight other than on a scheduled commercial airline as a bona fide passenger (whether fare paying or not), pilot or crew member
Treatment to relieve symptoms caused by ageing, puberty, or other natural physiological cause, such as menopause and hearing loss caused by maturing or ageing.
Artificial life maintenance, including life support machine use, where such treatment will not result in recovery or restoration of the previous state of health.
Treatment of abnormalities, deformities, or Illnesses present only because they have been passed down through the generations of the family.
Treatment for, or related to developmental problems, including Learning difficulties, such as dyslexia and behavioural problems, including Attention Deficit Hyperactivity Disorder (ADHD).

In addition to the above, no Critical Illness Benefit will be payable for any of the following:

Date of diagnosis within 90 days from date of commencement or reinstatement of cover
Critical Illness Benefit, where death occurs within 30 days of the date of diagnosis
Policy in the lapsed condition as on the date of diagnosis
Any more than one claim in respect of Critical Illness Benefit
Non-fulfilment of eligibility criteria for Critical Illness Benefit covered under the policy

What if I don’t/miss to pay premiums?

Premium(s) due on this policy should be paid on or before the premium due date. You are advised to pay the premium in time to continue enjoying the benefits of this policy. However, in case you are unable to do so, you have a grace period after the premium due date within which you can pay the due premium. Grace period available for annual frequency is 30 days whereas there is no grace period for one time/ single payment frequency. If you pay the due premium within grace period the policy will continue without any break. Following conditions will apply during grace period.

The cover under the policy shall remain in-force during the grace period
Should a valid claim arise under the policy during the grace period, but before the payment of due premium, HDFC Life shall still honour the claim. In such cases, the due and unpaid premium will be deducted from any benefit payable.

What if I don’t/miss to pay premiums even in the Grace period?

In the event of non-payment of premiums due under the policy by the expiry of the grace period, the policy will lapse with effect from the premium due date. The cover will cease and no benefits will be payable in case of lapsed policy.

Can I reinstate the policy if it is lapsed?

If your policy is lapsed, you may request HDFC Life in writing to revive your policy within 2 consecutive years from the date of first unpaid premium. The following conditions will apply in case of revival of the policy:

All pending premium should be immediately paid along with any interest that is advised by HDFC Life. The current interest rate used for revival is 10.5% p.a.
Any agreement to revive or reinstate would be subject to satisfactory evidence of good health
Reinstatement request will attract the following :
- If the policy is revived within 60 days, only the remaining part of all time bound exclusions and waiting periods will apply
- If the policy is revived after 60 days, all time bound exclusions and waiting periods will be applied afresh

Can I Nominate or Assign my policy

As per Section 39 of the Insurance Act, 1938, you can nominate a person to receive the benefit under this policy. During your lifetime and while your policy is in force, you may at any time, by written notice to HDFC Life, designate any person or persons as a nominee to whom benefits shall be payable under this policy upon your unfortunate death. In case the nominee so named is a minor, then the policyholder is required to name an appointee (other than himself) for the minor nominee. Assignment shall be subject to Section 38 of the Insurance Act 1938.

Is there any death benefit under this product?

There is no death benefit payable under this product.

Is there any Surrender benefit under this product?

There is no surrender value available under this plan for regular pay. Under single pay, only if all the options chosen by the policyholder are surrendered and no claims are made, the policy can be surrendered. The surrender value would be calculated as following:

70% x Single Premium x(1- M/P )

Where,

M : policy month of surrender
P : policy term in months

Are there any waiting periods to become eligible for a claim

There are different waiting periods depending on the benefit(s) chosen.

60 Days Waiting Period
HDFC Life will not pay any Daily Hospital Cash Benefit or Surgical Benefit within 60 days from date of commencement or reinstatement of cover whichever occurs later, except where such expenses are incurred for treatment of a condition caused by an Accident.
90 Days Waiting Period
HDFC Life will not pay any benefit in case the Life Assured is diagnosed with any of the listed 18 Critical Illnesses within 90 days from the date of commencement or reinstatement of cover whichever occurs later except in cases where the Critical Illness occurs as a result of an accident (such as Major Head Trauma).
1 or 2 Years Waiting Period
In case of hospitalization or treatment of any of the following injury, sickness, diseases or surgical procedure and any complications arising out of them during a period of 1 or 2 years from the date of commencement of cover, the Daily Hospital Cash Benefit or Surgical Benefit will not be payable.

For further details, please check the Sales Brochure.

What are the different benefits available under this product?

There are 3 separate benefits available under this product namely:-
Surgical Benefit: Avail up to 100% of Sum Insured in case of 138 surgeries
Critical Illness Benefit: Get 100% of Sum Insured if diagnosed with any one of 18 Critical Illnesses
Daily Hospital Cash Benefit: Avail Daily Hospital Cash of 1% of Sum Insured per day (Non ICU room) and 2% of Sum Insured per day (ICU)
You can select 1, 2 or all the 3 plan benefits at the time of purchasing the policy.

Is there any Survival Period to become eligible for claim payouts

Yes, there is a 30 days survival period. This is applicable only forCritical Illness benefit.

Are there any other terms and Conditions?

Yes, there are various terms and conditions associated with this plan. For detailed information, please read the SalesBrochure carefully.

Is there any maturity benefit under this product?

There is no maturity benefit available under this product.

How will the Pay Out happen for this plan?

The payout will depend upon the plan benefit(s) chosen.

Daily Hospital Cash Benefit (DHCB) 1. In case of hospitalization, due to any injury, sickness or disease, you will receive 1% of Sum Insured as DHCB if admitted in Non ICU room and 2% of Sum Insured if admitted in ICU room.

2. The benefit will be payable as a lump sum amount after the completion of each continuous hospitalization for more than 24 hours as a result of injury, sickness or disease. The benefit amount payable will be calculated as mentioned below: Daily Hospital Cash Benefit * (Number of Days admitted - 1)

3. Daily Hospital Cash Benefit will be payable for a maximum of 20 days per year in case the Life Assured is admitted in Non ICU room and Twice the Daily Hospital Cash Benefit will be payable for a maximum of 10 days per year if admitted in ICU room.

4. Daily Hospital Cash Benefit will be payable subject to a maximum of 60 and 30 days if admitted in Non ICU and ICU rooms respectively, during the entire policy term.

5. The ICU and non ICU benefits will be independent of each other and subject to their respective limits

6. There is a waiting period of 60 days from the date of commencement or reinstatement of the cover. Waiting period will not be applicable for accidental injury.

Surgical Benefit (SB)

1. Surgical Benefit will be payable if the Life Assured has undergone any of the 138 surgeries mentioned in Annexure 2 of the Sales Brochure, provided the surgery is done:

a. by a qualified surgeon for a surgical operation and

b. performed at a hospital due to injury or

c. sickness for covered surgical procedures advised by an independent medical practitioner and the policy is in force during the policy term

2. In case the Life Assured has to undergo a surgery during the policy term, the benefit payable shall be ascertained on the basis of the Category of the Surgery as shown below:

CATEGORY**	SUM ASSURED (%)
1	100%
2	60%
3	40%
4	20%

3. You are entitled to make multiple claims up to a maximum of 100% of Sum Insured during the policy term.

4. The policyholder shall not be allowed to claim for the same surgery more than once. However, multiple claims from the same category can be made.

5. In case 100% of the Sum Insured has been used up, the cover for Surgical Benefit will cease for the Life Assured for the remaining policy term. However, other benefits (such as Daily Hospital Cash Benefit and Critical Illness Benefit, if applicable) will continue to be in force.

6. There is a waiting period of 60 days from the date of commencement / reinstatement of the cover. Waiting period will not be applicable in case of accidental injury.

Critical Illness Benefit (CIB)

1. Lump sum benefit equal to 100% of the Sum Insured shall be payable in case the Life Assured is diagnosed with any of the 18 Critical Illness specified in the Sales Brochure.

2. A 30 day survival period is applicable for the Critical Illness Benefit. This refers to the period from the diagnosis of the Critical Illness that the Life Assured must survive for the Critical Illness Benefit to be payable.

3. Critical Illness Benefit will be payable only once during the entire policy term.

4. Once the Critical Illness Benefit is paid, the benefit will cease for the Life Assured for the remaining policy term. However, other benefits (such as Daily Hospital Cash Benefit and Surgical Benefit, if applicable) will continue to be in force.

5. There is a waiting period of 90 days for Critical Illness Benefit from the date of commencement/ reinstatement of the cover, except in cases where the Critical Illness occurs as a result of an accident (e.g., Major Head Trauma).

What is the policy term available under this product?

There is a fixed policy term of 5 years. Further, you shall only pay premiums for the benefit(s) as long as the complete payout for that benefit has not happened. The policyholder shall have the option to choose one of the above plan options only at the time of policy inception.

What are the premium payment frequencies available under this product?

You can choose to pay your premiums either annually(Regular Premium) or one time(Single Premium).

Is there any eligibility criteria under this product?

Eligibility Criteria for Easy Health includes:

Minimum Entry Age: 18 years

Maximum Entry Age: 65 years

Minimum Maturity Age: 23 years

Maximum Maturity Age: 70 years

Policy Term: 5 years

Note – Age is taken as on last birthday

What are the minimum and maximum premiums available under this product?

The minimum and maximum premium amounts differ depending on if single or annual mode of premium payment is selected.

The minimum premium under the product is:

1. Rs 2,184 for Single Pay

2. Rs 676 for Regular Pay

The maximum premium under the product is:

1. Rs 4,04,279 for Single Pay

2. Rs 1,22,068 for Regular Pay

These premium amounts are exclusive of applicable taxes and Swach Bharat Cess.

Pension Plans

HDFC Life Guaranteed Pension Plan

Why can't I have liquidity of complete amount on surrender?

The plan aims to help in creating fund for retirement.
Annuitisation of surrender benefit is mandated by the Regulator in the interest of the customer.
Annuitisation ensures that the aim of the policy is not compromised for other financial needs.

Can the vesting age be post-poned or pre-poned?

No, policy term can’t be changed thus vesting age can’t be pre or postponed

Can I take surrender value as lump sum? If I surrender then isn’t that pre-poning of the vesting age?

Up to 1/3 can be taken as lump sum. Rest of the benefit needs to be annuitised
Technically surrendering is not pre or postponing of the vesting age as surrender benefit is a reduced benefit as compared to vesting benefit.

Are all additions guaranteed?

Yes, they are guaranteed to be paid for every completed policy term

What’s vesting addition? Will it be paid on maturity of paid up policy?

Vesting addition is 3% of the sum assured on vesting x policy term
It is paid only on vesting
For paid up policies – it will be % of paid up sum assured

Is sum assured a death benefit?

Sum is assured for the vesting benefit.
Death benefit is all the premiums paid till date @ 6.p.a. compounded.

What are the conditions on revival?

All the outstanding premiums and interest on the outstanding premiums and applicable taxes.
Charge of Rs 250 shall be levied for processing the revival.
The revival period shall be of two years as specified by the current regulations.

Will sum assured be used to calculate any benefits?

Yes, guaranteed additions and vesting addition is a percentage of this sum assured on vesting

HDFC Life Personal Pension Plus

What is a retirement plan?

Retirement Plans refers to insurance plans which aim to offer you income/ pension after retirement when you may not have any other adequate source of income.

What are the additional servicing charges?

Rs. 250 per request on.
- Premium collection related services such as cheque pick-up/premium payment via outstation cheques/drop-box deposit.
- Cheque bounce/cancellation of cheque.
- Request for duplicate documents such as duplicate premium receipt, duplicate policy document.
- Cancellation/failure of ECS/SI due to an error at client’s end or fresh request of ECS / SI mandate initiated by client.
Premiums paid via credit card, the company may charge up to 2% of installment premium depending on the credit card used

What type of bonuses is this plan eligible for?

Bonuses are as a percentage of the sum assured on vesting.
Reversionary bonus, if declared, will be added every year annually.
Interim and terminal bonuses, if declared.

Will automatic conversion of vesting benefit to annuity happen?

Policyholder needs to purchase an annuity plan – by filling the annuity proposal form.
Submit all relevant documents and annuity payout will occur as per the timeline.

What are the conditions on revival?

You will need to pay all the outstanding premiums and interest on the outstanding premiums and applicable taxes.
Charge of Rs 250 shall be levied for processing the revival.
The revival period shall be of two years from date of lapsation/paid up as specified by the current regulations.

Savings & Investment Plans

HDFC Life Click 2 Invest-ULIP

Can I buy more than one policy?

You can buy more than one policy subject to successful underwriting

What is a settlement option?

Under settlement option, you can also take your fund value at maturity in periodical installments.

I am a NRI. Can I Invest in this plan?

NRIs can invest in this plan by filling a mandatory NRI questionnaire.

What is the limited mode of premium pay?

A limited premium payment policy requires you to pay premiums for a term lesser than your policy term.

Is there a loan facility in my policy?

No policy loans are available for this product.

Can I do a partial withdraw from my fund?

Can I terminate my policy?

You can surrender you policy subject to a lock in period of 5 years. No discontinuance charge is charged in this policy. Please refer to product brochure for more details on discontinuance of premiums and surrender of policy.

For how many years can I stay invested in this plan?

You can choose a policy term of 5 years to 20 years under this plan.

Why is this plan good for me?

HDFC Life Click 2 Invest – ULIP, lets you enjoy market linked returns along with valuable financial protection for your family. This plan has minimal charges which help your fund value grow faster. The key features of this plan are:

Minimal Charge Structure
Choose from a range of 8 fund options
Premium payment options of Single Pay, 5 Pay, 7 Pay, 10 Pay or Regular Pay
Policy Term of 5 to 20 years
Tax exemption under Sec 80C and Sec 10(10D) of IT Act, 1961

What are the charges applicable for this plan?

HDFC Life Click 2 Invest – ULIP offers a minimal charge structure as stated below:

Premium Allocation Charge: Nil
Policy Administration Charge: Nil
Discontinuance Charge: Nil
Fund Management Charge: 1.35% p.a. of the fund value, charged daily
Mortality Charge: The amount of the charge taken each month depends on your age and level of cover

In addition, only if you request for partial withdrawal, fund switch and premium redirection a charge of Rs 250 per request or a reduced charge of Rs 25 per request (if executed through the company’s web portal) will be charged. First 4 partial withdrawals, 4 fund switches and 4 premium redirections in a policy year are free.

What is the maximum amount I can invest?

There is no limit on maximum amount that you can invest in this plan, subject to underwriting.

What is the minimum premium that needs to be paid?

Minimum premium amounts for various premium payment frequencies are as follows:

Single: Rs. 24,000
Annual: Rs. 12,000
Half-yearly: Rs. 6,000
Quarterly: Rs. 3,000
Monthly: Rs. 1,000

Can I surrender this policy?

Yes you can surrender your policy. Once you surrender your policy, your risk cover will cease and surrender benefit will be paid out depending upon the year in which the policy is surrendered. Please refer to product brochure for more details.

How is this plan different from other ULIPs?

HDFC Life Click 2 Invest – ULIP offers:

Minimal Charge Structure
Premium Payment Term options of single/5 pay/7 pay and regular pay
Policy term of 5 to 20 years
8 Fund options
Wide entry age range from 0 to 65 years

What kind of returns will I get by investing in this plan?

In this policy, the investment risk in investment portfolio is borne by the policyholder. Based on the performance of the funds chosen by you, NAV per unit will be calculated. Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price. Below is a sample illustration for a 30 year old male at an assumed investment return of 8% p.a.

MV@8% for 50k Premium	Policy Term (years)
MV@8% for 50k Premium	20	15	10	5
Regular Pay	20,30,002	12,68,672	7,09,694	2,66,551
Single Pay	1,71,697	1,26,261	92,702	68,063
5 Pay	7,53,609	5,53,310	4,06,582	NA
7 Pay	10,01,084	7,35,010	5,39,654	NA
10 Pay	13,16,517	9,66,604	NA	NA

Sum Assured multiple is 1.25 times for Single Premium and 10 times for other premium modes

Are there medicals involved to buy this plan?

Yes

What are the various fund options in this plan?

There are 8 fund options to choose from in this plan

Equity Plus Fund
Diversified Equity Fund
Blue Chip Fund
Opportunities Fund
Balanced Fund
Income Fund
Bond Fund
Conservative Fund

How is the Fund Value calculated?

Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price.

What do I get at the end of the policy term?

At the end of your policy term i.e. at maturity, you will receive your Fund Value.

What is the frequency in which I can invest my money?

Single, Annual, Half-yearly, quarterly or monthly

Can I save tax by investing in this policy?

Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.

Is there any protection cover in this plan?

Yes. In case of the Life Assured’s unfortunate demise, the nominee will receive the higher of the following:

Sum Assured,
Fund Value,
105% of the premium(s) paid.

The Sum Assured for your policy will be as follows:

Single Premium	125% of Single Premium
Regular & Limited Premium (Age at Entry <= 55 years)	10 x annualized premium
Regular & Limited Premium (Age at Entry > 55 years)	7 x annualized premium

What will my family receive in case of my unfortunate demise?

In case of the Life Assured’s unfortunate demise, the nominee will receive the higher of the following:

Sum Assured,
Fund Value,
105% of the premium(s) paid.

HDFC Life Uday

What are the features that are available with HDFC Life Uday?

The features available with HDFC Life Uday are :

Easy Issuance on the basis of Declaration of Good Health (DOGH)
Guaranteed Additions to boost your maturity value
In-built Accidental Death Benefit in case of death due to an accident
Auto-Cover Continuance even if you miss paying a premium

What is the minimum premium that I need to pay in order to take an HDFC Life Uday Policy?

HDFC Life Uday low ticket size which makes it affordable for customers from all income segments. The minimum premiums have been outlined below :

Frequency of Premium Payment	Minimum Installment Premium	Maximum Installment Premium
Annual	Rs. 5,000	No limit²
Half-Yearly	Rs. 2,500
Quarterly	Rs. 1,250
Monthly	Rs. 500

¹The minimum premium amounts are exclusive of applicable service tax and education cess.
²The acceptance of any case is subject to Board approved underwriting policy.
³If you opt for the monthly premium frequency, three months premiums in advance on the date of commencement of policy shall be accepted, as a prerequisite to allow monthly mode of premium payment.

What if I miss one of my due premiums?

We understand that you may not be in the best of financial health always. Keeping this in mind, we have incorporated the Auto Cover Continuance feature in HDFC Life Uday.
Under this feature, for a reduced paid-up policy the full death benefit shall continue for a period of one year (Auto Cover Continuation period) from the date of first unpaid premium. Auto Cover Continuance applies only to the basic death benefit and not to the additional accidental death benefit.
At the time of payment of death benefit during the Auto Cover Continuation period the due but unpaid premium shall not be deducted from the benefit payable.

The basic death benefit payable during this one year shall be the higher of:

Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonus (if any) + Interim Bonus (if any) + Terminal Bonus(if any)
105% of Premiums paid

During the auto cover continuance period, the additional accidental death benefit shall be reduced to paid-up Sum Assured on Death.
The Guaranteed Additions and Reversionary Bonuses accrued till due date of first unpaid premium shall become payable on death and no further Guaranteed Additions or Reversionary Bonus shall accrue to the policy.

When does my policy acquire a Guaranteed Surrender Value (GSV)?

It is advisable to continue your policy in order to enjoy full benefits of your policy. However, we understand that in certain circumstances you may want to surrender your policy.
The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of less than 10 years and 3 full years’ premium have been paid for premium payment term of 10 years and above.
The GSV shall be the aggregate of:

Percentage of total premiums paid
Percentage of accrued bonuses & accrued guaranteed additions

Premiums will exclude any underwriting extra premiums and any taxes paid
For details on GSV percentage (factors), please refer to the Product Brochure.

Can I take a loan under HDFC Life Uday in case I need money during any emergencies?

Yes. You can take a policy loan under this policy provided that your policy has acquired a surrender value and subject to terms and conditions that the company may specify from time to time.

What are the minimum and maximum age limits for investing in HDFC Life Uday?

The age limits for HDFC Life Uday have been highlighted below :

Minimum Entry Age	18 Years
Maximum Entry Age	55 Years
Minimum Maturity Age	30 Years
Maximum Maturity Age	70 Years

What is the rate of Guaranteed Additions that s available in this policy?

Provided the policy is in force and all due premiums have been paid, you will receive Guaranteed Additions of 3% p.a for the first 5 years of your policy over and above the Bonus that will be declared.

What is the death benefit that I receive if I choose HDFC Life Uday?

On the unfortunate event of your death during the policy term, the nominee will receive the higher of :

Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonuses (if any) + Interim Bonus (if any) + Terminal Bonus (if any)
105% of Premiums paid

The Sum Assured on Death shall be the higher of:

An additional benefit equal to 100% of ‘Sum Assured on Death’ will be payable in case of death due to an accident.

Sum Assured on Maturity
An absolute amount assured to be paid on death, which in this case, is equal to the Sum Assured on Maturity
10 times Annualised Premium for entry age up to 50 years and 7 times Annualized Premium for entry age greater than 50 years

What is the maturity benefit that I receive if I invest in this plan?

On survival till the end of the policy term, you will receive a lump sum amount which will be the aggregate of :

Sum Assured on Maturity
Accrued Guaranteed Additions
Accrued Reversionary Bonus
Interim Bonus (if any)
Terminal Bonus (if any)

Is there any discount if I choose higher premiums?

Yes. To reward you for your showing faith in the HDFC Life Uday policy, there is a High Sum Assured Rebate. The conditions are mentioned below :

Sum Assured on Maturity(Rs)	PPT 8 years	PPT 10 years
Less than 2,00,000	Nil	Nil
2,00,000 to 4,99,999	5	2.5
5,00,000 or above	7.5	5

What are the Policy Terms and Premium Payment Term options available under HDFC Life Uday?

You have an option to select a Policy Term of 12 years or 15 years. For a 12 year term, the premium payment term is 8 years while for a 15 year term, you have the option of selecting a premium payment term of 8 years or 10 years.

HDFC Life Assured Pension Plan-ULIP

What if I need the money for an emergency? My money is locked with you.

This is a pension plan which accumulates your money for the retirement kitty. Since this is for old age, it has a restricted liquidity. You can withdraw maximum up to 1/3rd of the money in case of an emergency after 5 years of commencement of the plan. However, the rest must be converted into annuity, and will be paid periodically.

What is so special about this product?

HDFC Life APP has benefits such as:

Capital Guarantee of 101% - 135% - APP is a unit linked plan that provides you the upside of the equity markets. However, to protect you from the market downfall, you have the Assured Vesting Benefit of 101% -135%, depending on the Premium Paying Term and Policy Term combination. This means that your capital is completely protected from any downside
Pension Multipliers – As a Loyalty benefit, Pension Multipliers would be added to the fund value every alternate year starting from the end of 11th policy year. These additions will be equivalent to 1% of average fund value for the immediate preceding two years, subject to the policy being in force and all premiums paid till date.
Early start to boost your corpus – With APP you can start your retirement planning as early as 18 years. The earlier you start, you would gain from the power of compounding and be able to build a bigger corpus before your retirement
Lower vesting age limits – The minimum vesting age of APP is 45 years, this would help you to plan for early retirement

Is there an option to change the plan in between? What if you are not able to generate good returns?

There is no option for changing of plans.

What would be the annuity rates at the time of maturity?

Annuity rates are a function of prevailing market conditions at the time the annuity is bought. Other factors that determine annuity rate are - gender, age, annuity option chosen & premium band. Hence, it would not be possible to commit on the annuity rate at this point.

I have other sources of income. Do I still need to plan for retirement?

Diversification of income source is good. However, as you get older, you might not be able to work the way you can now. The other sources of income might not turn out to be as successful as they are today. Hence, it is prudent to plan for your retirement through a pension plan.

I don’t want to wait till 60 years for retirement. Is there a way out?

This plan has a minimum vesting age of 45 years only, which would help to plan for an early retirement. You don’t need to wait till 60 years of age. However, once you have fixed your vesting age, it is recommended that you continue for the entire term.

I already have a Saving & Investment Plan in place. Do I also need a Pension Plan? What purpose would it serve?

It’s nice to hear that you have already made provisions for your savings. However, the objective of a Pension Plan is very different. Pension Plans are insurance plans that offer you an income/ pension after retirement when you may not have any other adequate source of income.

This is not possible with any other plan. Moreover, pension plans can’t be liquidated easily, which ensures that your savings stay intact and a kitty is automatically built for your retirement.

What is the HDFC Life Assured Pension Plan?

The Assured Pension Plan is a Unit Linked Pension Plan recently launched by HDFC Life. This plan aims to help you plan for a steady income source for retirement.

You can choose from a variety of Premium paying & policy term options as per your comfort and plan your retirement. HDFC Life APP provides you the benefit of equity participation with the comfort of a capital guarantee. To boost your fund value, you also have the pension multipliers that are added to your fund post 11th year.

Why should I buy HDFC Life Assured Pension Plan?

One of the biggest challenges of planning for your retirement is to ensure that you have saved enough money during your working years that will take care of your expenses once you retire. Given the rising cost of living, increased life expectancy and inflation, it is always wise to invest in a Pension Plan. HDFC Life Assured Pension Plan can help you achieve your retirement goals by planning for it well in advance.

The charges seem very high, a lot of money would get deducted. This doesn’t look like a lucrative option to me.

Yes, there are charges as every other ULIP plan, but there is also a Pension Multiplier from the 11th year onwards every alternate year. The longer policy term you go for, the more you gain through Pension Boosters added to the fund value.

It is not possible for me to pay for such a long tenure since I have other commitments.

HDFC Life APP comes to you with a host of flexibilities. You can choose a limited premium paying term of 8, 10 & 15 years.

Also, there is an option to pay a lump sum through a single payment.

HDFC Life APP is a ULIP Plan. Why don’t I get to choose the funds in this plan?

HDFC Life APP provides you a guarantee (between 101% -135%) of the premiums paid. This is why the choice of funds are predefined as per the Equity Backing Ratio and is not available for customised allocation by customers.

Are there any tax benefits available?

The premiums paid by you are eligible for tax benefits under Section 80CCC of the Income Tax Act, 1961.

Up to 1/3rd of the policy proceeds can be taken as tax-free commuted value, as prescribed under Sec 10 (10A) of the Income Tax Act, 1961.

When do I get to choose the annuity option?

You need to give a default option now, i.e., at the time of purchase of this policy. However, depending on your situation, you always have the option to change/ alter the annuity option at the time of maturity of the pension policy. HDFC Life will get in touch with you 3-6 months before the maturity of the policy and you can revisit your annuity choice options then.

In case you don’t revert to HDFC Life at that point of time, the default annuity options chosen earlier would be considered and your annuity payments would commence.

However, after commencement of annuity you won’t be able to make any further alterations.

Are top-ups allowed in this plan?

There isn’t any provision of top-up premiums in this plan.

What are the steps involved to purchase this policy quickly in case I am travelling and do not have much time?

Taking you through the procedure and form filling - only KYC documents, signature on proposal form and payment instrument are required. You can also pay online through HDFC Bank NetBanking, Debit card or Credit card.

This being a pension plan, you don’t need to go through any medicals. After your form is logged in, you would receive a verification call the next day. Once the verification call is closed with an affirmative from your end, your policy would be issued and the Policy Bond would be delivered to your Demat Account. This Demat Account is completely free of cost. Thus it would not take much time.

I have a provision for pension from my employer, I don’t think there is any separate need for a pension plan.

Pension from your employer is great. But with increase in the cost of living and increased life expectancy your employer funded pension might not be enough to pay for your entire expenses post retirement.

As a thumb rule your retirement fund should be at least 20 times your last year income before retirement. Hence, it is advisable that you invest in a separate retirement plan so that it supplements your employer-funded pension scheme.

I have 30 years to my retirement. Why do I need to plan now?

This is the best part of your life. You have time on your side. So you can act now and ensure a smooth retirement.

Please remember that retirement is inevitable & early planning for retirement is really helpful. The earlier you start investing in your retirement, the bigger would be your retirement kitty, thanks to the power of compounding. You can actually build up a larger sum with a comparatively smaller investment if you start early.

So please think about this and act now.

What if I am unable to pay the premiums for the entire term? Would you forfeit my money?

There is no forfeiture clause in this product. In case you have discontinued before 5 years of commencement of the plan, you will have to wait till the completion of the 5th anniversary to utilise the benefits.

If you discontinue the plan after 5 years, you get the proceeds right then.

Utilisation of proceeds: You can withdraw up to 1/3rd and the rest must be converted into annuity.

How would you utilise my funds?

Your funds will be invested into Equity and Debt instruments as per the Equity Backing Ratio defined by the company. This is to provide you with maximum returns from market upside, as well as protect your capital from any downfall.

What if I don’t require the fund at the time of vesting. Say I plan to work for some more years.

HDFC Life APP provides you various options at vesting. You can choose between either of the two options:

Extend the accumulation period within the same policy with same terms & conditions as the original policy, provided you are below 55 years of age
Utilise the entire proceeds to purchase a single premium deferred pension plan from HDFC Life

Do I get a life cover from this plan?

APP being a Pension plan does not have a life cover; however, the death benefit is higher of FV or 105% of the premiums paid till date.

Can I exercise the freelook option in this policy?

In case you are not agreeable to any of our terms or conditions, you have the option of returning the policy to HDFC Life stating the reasons thereof, within 15 days of receipt of the policy bond.

Can I get a loan or partial withdrawal on this plan?

You cannot avail any loan or make partial withdrawal from this plan.

HDFC Life Super Savings Plan

What are the different types of Savings Plans?

You may choose between a traditional endowment plan and a unit-linked insurance plan depending on a number of factors including your risk profile, your understanding of different financial instruments and your ability to track your investments regularly. Therefore , those who are well aware of the financial markets, are willing to bear the investment risk and desire a higher return can look at unit linked products and vice versa.

What is meant by a ‘With Profits’ plan?

‘With Profits’ plans are plans where the premiums are invested in the ‘with profit’ This fund invests in a variety of assets to earn returns on your policy, which are shared with the policyholder’s in the form of bonuses which are declared annually. And once declared these bonuses are guaranteed.

Should I choose a Unit Linked or a non – Unit Linked plan?

If your financial profile does not allow you to take risks through exposure to equity, bonus-based endowment plans are the most suitable for you. If that is not the case, unit-linked plans are the ideal vehicle for you to plan for your family’s future financial needs. Unit-linked plans are associated with transparent charging structure and certain flexibility, besides possessing the potential to deliver a higher amount on maturity.

HDFC Life Sampoorn Nivesh

Can I save tax by investing in this policy?

Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.

What is Extra Life Option in the policy?

You can opt for Extra life Option under Classic Benefit under the plan. In case of death due to accident during the term of the policy, an additional Sum Assured will be payable to the Nominee in addition to the Death Benefit under the Plan. Please refer to product brochure for further details and/or consult Relationship Manager.

What are the Plan options available?

There are 3 Plan Options available under HDFC Life Sampoorn Nivesh as mentioned below:
1. Classic Benefit
2. Classic Plus Benefit
3. Classic Waiver Benefit
You can choose any one of the above options on inception based on your requirements. Please refer to the product brochure for more detailsand/or consult Relationship Manager.

What are the exclusions available under the Plan?

In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death. Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit. In case, the Policyholder has opted Extra Life Option under the Plan, the Accidental Death Benefit will be payable subject to terms and conditions. For detailed exclusions please refer to product brochure carefully and/or consult Relationship Manager.

Can I do any free switch or premium redirection under the plan?

Yes. You get 4 Free Fund Switch / Premium Redirection in a given policy year to create your own investment strategy. Please refer to product brochure for more details and/or consult Relationship Manager.

Is there any Loyalty Additions under the Plan?

Yes. Loyalty additions (as percentage of the average fund value) will be added to the fund value every alternate year starting from the end of 11th policy year for limited and regular premium payment policies.

For single premium policies, the Loyalty Additions will be 1.50% of the average fund value. The Loyalty Addition shall be payable at the end of every policy year from year 10 to 14 (both inclusive).Please refer to product brochure for more detailsand/or consult Relationship Manager.

What are the fund options?

The plan offers 8 Funds (including 4 New Funds) of varying risk and return profiles. The Policyholder has the option to choose any one or more funds based on his/her Risk Appetite. The Fund Options available under the Plan are

Equity Plus Fund,
Diversified Equity Fund,
BlueChip Fund,
Opportunities Fund,
Balanced Fund,
Income Fund,
Bond Fund and
Conservative Fund

Can I take any loan?

Policy loan is not offered in this plan.

How is the Fund Value calculated?

Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price. Please refer to product brochure for more details and/or consult Relationship Manager.

What is the surrender benefit?

If you surrender before completion of the 5th policy year, your Fund Value less applicable charges will be moved to the DPF after deducting applicable charges, if any and the proceeds from DPF will be paid out on the completion of the lock-in period.

If you surrender after completion of the 5th policy year your Fund Value will be paid out to you. Upon payment of this benefit the policy terminates and no further benefits are payable. Please refer to the Product Brochure for further details and/or consult Relationship Manager.

What is the minimum premium that needs to be paid?

Minimum premium amounts for various premium payment frequencies are as follows:

Single: Rs. 24,000
Annual: Rs. 24,000
Half-yearly: Rs. 12,000
Quarterly: Rs. 6,000
Monthly: Rs. 2,000

What is the death benefit under this plan?

The Death Benefit will depend on the Benefit Option opted under the Plan on inception. In case of unfortunate demise of the life assured during the policy term, the nominee will be paid:

Classic Benefit – Higher of Sum Assured or Fund Value
Classic Plus Benefit – Sum Assured + Fund Value
Classic Waiver Benefit – Sum Assured + Waiver of Premium till maturity + Fund Value on maturity

This is subject to minimum payment of 105% of the total premiums paid. Please refer to product brochure for more details and/or consult Relationship Manager.

What is the maximum amount I can invest?

There is no limit on maximum amount that you can invest under this plan, subject to underwriting.

What are the premium paying frequencies that are available under this policy?

The premium payment frequencies under this plan are Annual, Half yearly, Quarterly and Monthly or Single

For how many years can I stay invested in this plan?

You can choose a policy term of 10 years or 15 to 25 years under this plan.

What do I receive on Maturity?

You will receive the Fund Value on maturity as a lump sum amount or you can choose to receive the same over a period of 5 years through Settlement Option.

What happens if premiums are not paid?

In case the Policyholder has not paid the premium by the expiry of the grace period, he/she will have the following options:

to revive the Policy within a period of 2 years from the date of discontinuance, or
to completely withdraw from the Policy without any risk cover, or
to convert the policy into paid-up policy (available only on discontinuance after completion of the 5 policy years)

Discontinuance on and after completion of the 5 years from commencement of the policy: Fund Value will be paid out to you.

You have the option to revive a discontinued policy within two consecutive years from the date of discontinuance of the policy, subject to payment of all due & unpaid premiums and our underwriting policy.

What is the Settlement Option?

In Settlement Option the Fund value is paid in periodical installments over a period which may extend up to 5 years. The value of installment payable on the date specified shall be subject to investment risk i.e. the NAV may go up or down depending upon the performance of the funds chosen by you. Your money will remain invested in the funds chosen by you and is subject to the same investment risks as during the policy term. During the Settlement period, the risk cover will cease, Fund Management Charge will continue to be deducted and no other charges shall be levied. Partial withdrawals and switches shall not be allowed during this period. Complete withdrawal may be allowed at any time during this period without levying any charge. At the end of this 5-year period, the balance units will be redeemed at the then prevailing unit price and the fund value will be paid to you.

Can I buy more than one policy?

You can buy more than one policy subject to successful underwriting.

Can I do a partial withdraw from my fund?

You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age. Get 4 Free Partial Withdrawals in a policy year. Please refer to product brochure for more details and/or consult Relationship Manager.

HDFC SL Progrowth Flexi

Can I take any loan?

Policy loan is not offered in this plan

What are the fund choices?

The plan offers 4 funds of varying risk & return profiles. Income Fund, Balanced Fund, BlueChip Fund and Opportunities Fund

What happens if premiums are not paid?

If you have not paid your premium by the expiry of the grace period, you will have following options:

to revive the Policy within a period of 2 years from the date of discontinuance, or
to completely withdraw from the Policy without any risk cover, or
to convert the policy into paid-up policy (available on discontinuance after completion of the 5 policy years)

If you do not communicate to us on the above options, the following treatment will be applicable
Discontinuance before completion of 5 years from commencement of the policy: Fund Value less applicable charges will be moved to ‘Discontinued Policy Fund (DPF)’.The proceeds from DPF will be paid out upon the completion of the lock-in period.
Discontinuance on and after completion of the 5 years from commencement of the policy : Fund Value will be paid out to you.
You have the option to revive a discontinued policy within two consecutive years from the date of discontinuance of the policy, subject to payment of all due & unpaid premiums and our underwriting policy

What is the surrender benefit?

If you surrender before completion of the 5th policy year, your Fund Value less applicable charges will be moved to the DPF and the proceeds from DPF will be paid out on the completion of the lock-in period.
If you surrender after completion of the 5th policy year your Fund Value will be paid out to you. Upon payment of this benefit the policy terminates and no further benefits are payable. Please refer to the policy document for further details on Surrender.

What is the Settlement Option?

HDFC SL Crest

Can the plan be offered under limited underwriting?

The plan can be applied for by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals subject to prevailing underwriting conditions.

What is the exclusion in the plan?

Do I have the option to avail a loan under the policy?

No, the policy does not provide any loan facility.

Can I withdraw before maturity?

You can make lump sum partial withdrawals from your funds after 5 years of your policy, subject to terms & conditions. Please refer to product brochure for details.

What is the Surrender Benefit?

If you surrender before completion of the 5 years from commencement of the policy, your fund value, less discontinued charges, will be moved to the 'Discontinued Policy Fund'. The amount allocated to the 'Discontinued Policy Fund', with accrued interest, will be paid out on the completion of the lock-in period. Discontinuance charge will be deducted.
If you surrender after completion of the 5 years from commencement of the policy, your fund value will be paid out immediately.
Upon payment of this benefit, the policy terminates and no further benefits are payable. Please refer to product brochure for details

What happens if Premiums are not paid?

This plan has a grace period of 30 days. You are expected to pay your annual premium through-out the policy term. Discontinuance before completion of 5 years from commencement of the policy: If you have not paid your premium by the expiry of the grace period, then you will have the following options:

What is the Maturity Benefit under the plan?

Fund Value on the prevailing on the date of Maturity will be paid to the policyholder.

What is the min-max age at entry/maturity?

	Minimum	Maximum
Policy Term (years)	10	10
Age at Entry Age (years)	14	55
Age at Maturity (years)	NA	65
Premium Paying term	5 years

What is the premium frequency available under policy?

Only annual mode is allowed under the plan.

What is the Death-Benefit under the plan?

On death of the life assured, provided all due premiums are paid

HDFC Life Sampoorn Samridhi Plus Plan

Do I have option to avail loan under the policy?

The policyholder can avail Loan under the policy provided the policy has acquired a surrender value and subject to terms and conditions as the Company may specify from time to time.

What is the duration of the policy term in case I choose 'Endowment' or 'Endowment with Whole Life' option?

Policy Term is the period at the end of which the maturity benefit will be paid. One can choose a policy term of 15 to 40 years. In case of “Endowment” Option, the life insurance cover will cease after policy term.

In case of “Endowment with Whole Life”, the life insurance cover shall continue even after the policy term, till the age of 100 years.

When does the plan acquire Guaranteed Surrender value?

The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid.

The GSV shall be aggregate of:

Please refer the sales brochure or contact your Relationship manager to know the percentage factors for GSV

Percentage of total premiums paid
Percentage of accrued bonuses and accrued guaranteed additions

What are the different plan options under the plan?

The plan options available under HDFC Life Sampoorn Samridhi Plus are :-

Endowment – policy terminates after the maturity payout
Endowment with Whole Life – life cover continues after the maturity payout till 100 years of age

What is the limited premium payment term available under this policy?

Policy term minus 5 years.

What are the guaranteed benefits that are there in the policy?

The Product offers two types of guaranteed benefits:
1. Guaranteed Additions – 3% to 5% of ‘Sum Assured on Maturity‘ accrue during first 5 policy years, payable at maturity or death, whichever is earlier, provided the policy is in force

Policy Term	Guaranteed Additions (% of Sum Assured on Maturity)
15 years to 19 years	3 % p.a.
20 years to 24 years	4 % p.a.
>=25 years	5 % p.a.

2. Sum Assured on Maturity – 100% of 'Sum Assured on Maturity' is payable at maturity, provided the policy is in force.

What is the death benefit under this plan?

On death of the life assured during the policy term, provided all due premiums have been paid, the nominee will receive the higher of the following:

Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonuses + Interim bonus (if any) + Terminal bonus (if any)
105% of premiums* paid till date

Where Sum Assured on Death shall be the higher of:

Sum Assured on Maturity
10 times Annualized Premium* for entry age up to 50 years and 7 times Annualized Premium* for entry age greater than 50 years *excludes any underwriting extra premiums, modal loadings and taxes paid

Is there any Accidental Death Benefit in the policy?

Yes. In case of death due to accident during the term of the policy, an additional benefit equal to 'Sum Assured on Death' is payable. This amount is payable provided the life assured is aged 18 years & above on the date of death.

What are the premium paying frequencies that are available under this policy?

The premium payment frequencies under this plan are Annual, Half yearly, Quarterly and Monthly.

What will I be getting on maturity?

At the end of the policy term, provided all due premiums have been paid, you will receive the aggregate of:

Sum Assured on Maturity
Accrued Guaranteed Additions
Accrued Reversionary Bonuses
Interim Bonus (if any)
Terminal Bonus (if any)

What is the exclusion in the plan?

In case of death due to suicide, within 12 months;

For exclusions related to accidental death benefit, please refer the sales brochure or contact your Relationship manager.

From the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid, provided the policy is in-force.
From the date of revival of the policy, the nominee of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death.

HDFC SL ProGrowth Maximiser

What is the min-max age at entry/maturity ?

Eligibility Criteria	Minimum	Maximum
Age at Entry Age (years)	14	65
Age at Maturity (years)	NA	75

All ages mentioned above are age last birthday.

Can the plan be offered under limited underwriting?

The plan can be applied by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.

Do I have option to avail loan under the policy?

Policy loans are not allowed.

What happens in case of me wanting to surrender my policy?

On request for surrender from you, the risk coverage will cease with immediate effect.

If you surrender before the end of the 5 years from commencement of the policy,

Your fund value (as on date of surrender) will be moved to the ‘Discontinued Policy Fund’ and will earn a minimum guaranteed return as specified by IRDA. The minimum guaranteed interest rate applicable to the ‘Discontinued Policy Fund’ shall be 4% p.a. Such rate may be changed in the future if the IRDA revises the minimum rate for discontinued policies. A fund management charge of 0.50% p.a. will be levied on the ‘Discontinued Policy Fund’
Your fund value as held in the ‘Discontinued Policy Fund’ will be payable to you at end of the 5th policy year
In case of the death of the life assured or policyholder, before the payment of the surrender benefit, the amount in the Discontinued Policy Fund will be paid out immediately.

If you surrender your policy after completion of 5 years from commencement of the policy, your fund value will be paid to you. On surrender, no additional charges will be levied.
Once any surrender payment has been made the policy terminates and no further benefits are payable.

What is the Policy term/Premium payment term?

Policy Term	10 Year
Premium Payment Term	Single

What is the exclusion in the plan?

What is the Maturity Benefit under the plan

Your policy matures at the end of the policy term, the risk cover ceases and fund value will be paid to you.

What are the charges under this policy?

Premium Allocation Charge:
This is a premium-based charge. After deducting this charge from your premiums, the remainder is invested to buy units. The remaining percentage of your premium is called the Premium Allocation Rate.

The Premium Allocation Rate and Premium Allocation Charge are given in the table below.

	Single Premium	Single Premium Top-Ups
Premium Allocation Rate	97.50%	99%
Premium Allocation Charge	2.50%	1%

Fund Management Charge (FMC):
The daily unit price already includes the fund management charge of 1.35% per annum charged daily, of the fund’s value.

Policy Administration Charge:
The Policy Administration Charge is 0.13% per month of the total premiums paid (including any single premium top-ups).The charge will be deducted monthly, subject to a maximum charge of Rs. 500 per month. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen.

Mortality Charge:
Every month a charge will be levied for providing you with the death cover in your policy. The amount of the charge taken each month depends on your age and level of cover. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen.

Miscellaneous Charges:
You may be charged for Additional Servicing Request(s). Contact your Relationship Manager for further details
*Statutory Charges – Service Tax and Education Cess is payable at the applicable rates for all unit linked products.

What is the Death-Benefit under the plan?

In case of the Life Assured’s unfortunate demise, the nominee will receive the benefit as defined below -

Death

Summary of Death Benefit

Before attainment of age 60 years

The nominee will receive the higher of the following

Sum Assured (less all withdrawals except from the top-up fund value, made during the two year period immediately preceding the date of death)
The total fund value.

The policy will terminate thereafter and no more benefit will be payable.

On or after attainment of age 60 years

The nominee will receive the higher of the following

Sum Assured (less all withdrawals except from the top-up fund value made after attainment of age 58)
The total fund value.

The policy will terminate thereafter and no more benefit will be payable.

HDFC Life ClassicAssure Plus

What is the min-max age at entry/maturity?

Click here to view the min-max age at entry/maturity

Does the plan offer a guaranteed reversionary bonus? If yes, for what period?

Simple Reversionary Bonus is guaranteed to be a minimum of 3% p.a. as percentage of Sum Assured during the premium payment term. After the premium payment, the term policy will continue to earn reversionary bonuses as declared by the company from time to time.

What is the limited pay term available under the plan?

With HDFC Life ClassicAssure Plus, pay premiums for 7 years for policy terms of 10 and 15 years or pay premiums for 10 years for policy term of 15 and 20 years.

What is the Maturity Benefit under the plan?

On maturity, the policy holder will receive the sum assured plus accrued bonuses on full payment of premiums due throughout the premium paying term.

What is the premium frequency available under the policy?

The premiums can be paid annually, half-yearly, quarterly and annually

Can the plan be offered under limited underwriting?

The plan can be applied for by filling in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.

Do I have an option to avail of loans under the policy?

The policyholder can avail a loan under the policy, provided the policy has acquired a surrender value and subject to terms and conditions as the company may specify from time to time.

When does the plan acquire Guaranteed Surrender value?

The plan will acquire a Guaranteed Surrender Value provided

2 full years' premium has been paid for a premium paying term of 7 years
3 full years' premium has been paid for a premium paying term of 10 years

What is the Death-Benefit under the plan?

On death of the life assured, provided all due premiums are paid, the company would pay the higher of the following

Sum Assured
10 times annualised premium
105% of the premiums* paid (Premiums are excluding any taxes paid on the premium or any extra premiums) plus accrued bonuses, if any, to the nominee.

What is the exclusion in the plan?

In case of death due to suicide, within 12 months from the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid provided the policy is in-force or from the date of revival of the policy, the nominee of the policyholder shall be entitled to the amount which is higher of 80% of the premiums paid till date of death or the surrender value as available on death of death.

HDFC Life Super Income Plan

What will I get on maturity

For a policy where all due premiums have been paid, the maturity benefit will be the aggregate of:

On payment of the Maturity Benefit, the policy will terminate and no more benefits will be payable.

Last Guaranteed Base Income payout,
Accrued Reversionary Bonuses,
Interim Bonus, if any
Terminal bonus, if any

Is there any option available for monthly payout?

Yes the plan provides the option to the policyholder to receive the future payouts monthly instead of yearly. In such cases, the monthly payout shall be 8% of the annual payout.

Can the plan be offered under limited underwriting

The plan can be applied by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.

Do I have option to avail loan under the policy?

The policyholder can avail Loan under the policy provided the policy has acquired a surrender value and subject to terms and conditions as the Company may specify from time to time.

What is the limited pay term available under the plan

With HDFC Life Super Income Plan, pay premiums for 8, 10 or 12 years and enjoy regular income for 8, 10, 12 & 15 years payout period.

What is the exclusion in the plan?

In case of death due to suicide, within 12 months;

From the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid, provided the policy is in-force.
From the date of revival of the policy, the nominee of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death.

When does the plan acquire Guaranteed Surrender value?

The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of 8 years and 3 full years’ premium have been paid for premium payment term of 10 and 12 years.

What is the Death Benefit under the plan?

On death of the life assured during the term of the policy, provided all due premiums are paid; the nominee will receive the higher of the following:

Sum Assured on Death + Accrued Reversionary Bonuses + Interim Bonus (if any) + Terminal Bonus (if any)
105% of premiums# paid till date
Where, the Sum Assured on Death shall be the higher of:
Sum Assured on Maturity
10 times Annualised Premium^# for entry age up to 50 years and 7 times Annualised Premium^# for entry age greater than 50 years

^#excludes any underwriting extra premiums, modal loadings and any taxes paid On death of the life assured during the payout period, the Death Benefit payable shall not be reduced by the survival benefits already paid. On payment of the Death Benefit during the policy term, the policy will terminate and no future payouts will be payable.

What is the Guaranteed Base Income under the plan?

Guaranteed Base Income is expressed as percentage of the Sum Assured on Maturity. This guaranteed amount is known to you at the inception and payable at the end of each year during the payout period as per your chosen plan option.

The percentages are as follows:

Option	Guaranteed Base Income as % of Sum Assured on Maturity
Option	Annual GBI	Total GBI for entire premium payment term
1	12.5%	100%
2	10.0%	100%
3	12.0%	120%
4	10.0%	120%
5	10.0%	120%
6	8.0%	120%

What is the premium frequency available under policy?

The premiums can be paid Annually, Half-Yearly, Quarterly and Monthly

HDFC Life New Immediate Annuity Plan

What are the benefits of a retirement plan?

Retirement Plans provide you with a steady flow of income post retirement so that you can continue to live a financially independent life.

What is an Retirement Plan?

Retirement Plans refer to insurance plans which aim to offer you income/ pension after retirement when you may not have any other adequate source of income.

What is HDFC Life New Immediate Annuity Plan?

The HDFC Immediate Annuity is a contract that uses your capital to provide you with a guaranteed gross income throughout your lifetime or over a period of your choice. This is the perfect way to plan for your expenses after your retirement. This means you can plan your life the way you want it to be, safe in the knowledge that your gross income will not fall during the period you have selected. This is the perfect way to plan for your expenses after your retirement. The HDFC Immediate Annuity plan offers a number of options to meet all your income needs.

HDFC Life Sanchay

What is the minimum/maximum age at entry/maturity?

Eligibility Criteria	Minimum	Maximum
Age at Entry Age (years)	30 days *	45
Age at Maturity (years)	18	70

All ages mentioned above are age last birthday. * The minimum age at maturity should be 18 years.

What is the minimum/maximum Policy term/Premium payment term?

	Minimum	Maximum
Premium Paying Term (years)	5, 8 and 10
Policy Term (years)	15	25
Sum Assured (Rs)	Will depend upon premium, premium payment term and policy term

What is the exclusion in the plan?

In case of death due to suicide, within 12 months;

From the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid, provided the policy is in-force
From the date of revival of the policy, the nominee of the policyholder shall be entitled to the amount which is higher of 80% of the premiums paid till date of death or the surrender value as available on the date of death.

What is the premium frequency available under policy?

The premiums can be paid annually, half-yearly, quarterly and annually.

Can the plan be offered under limited underwriting?

The plan can be applied by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.

When does the plan acquire Guaranteed Surrender value?

The policy will acquire a Guaranteed Surrender Value (GSV) provided

first 2 years’ premiums have been paid for premium paying term of 5 and 8 years
first 3 years’ premiums have been paid for premium paying term of 10 years

What is the Maturity Benefit under the plan?

The plan offers guaranteed additions (GA) as a percentage of sum assured accrued for each completed policy year payable at maturity.

Policy term (Yrs)	GA as % of Sum Assured
15 to 19 years	8%
20 to 25 years	9%

On your survival, at end of the policy term, you will receive a lump sum benefit as the aggregate of:

Sum Assured
Accrued Guaranteed Additions

Your Aggregate Maturity benefit as percentage of Sum Assured as per term chosen is as follows:

Policy term	15	16	17	18	19	20	21	22	23	24	25
Maturity benefit as percentage of Sum Assured	220%	228%	236%	244%	252%	280%	289%	298%	307%	316%	325%

What is the Death-Benefit under the plan?

On death during the policy term, provided the policy is in force, the nominee will receive the higher of the following:

Sum Assured
10 times the Annualized Premium*
105% of the premiums* paid till date

In addition to the above, accrued guaranteed additions would be payable on death.

*The Premium amount excludes any underwriting extra premiums and any taxes paid. On payment of the Death Benefit, the policy will terminate and no more benefits will be payable.

HDFC Life Progrowth Plus

Can I take any loan?

Policy loan is not offered in this plan

What is the surrender benefit?

What happens if premiums are not paid?

If you have not paid your premium by the expiry of the grace period, you will have following options:

to revive the Policy within a period of 2 years from the date of discontinuance, or
to completely withdraw from the Policy without any risk cover, or
to convert the policy into paid-up policy (available on discontinuance after completion of the 5 policy years)

If you do not communicate to us on the above options, the following treatment will be applicable
Discontinuance before completion of 5 years from commencement of the policy: Fund Value less applicable charges will be moved to ‘Discontinued Policy Fund (DPF)’.The proceeds from DPF will be paid out upon the completion of the lock-in period.
Discontinuance on and after completion of the 5 years from commencement of the policy : Fund Value will be paid out to you
You have the option to revive a discontinued policy within two consecutive years from the date of discontinuance of the policy, subject to payment of all due & unpaid premiums and our underwriting policy

What are the fund choices?

The plan offers 4 funds of varying risk & return profiles. Income Fund, Balanced Fund, BlueChip Fund and Opportunities Fund

What is the Settlement Option?

HDFC Life Smart Woman Plan

Should I choose a Unit Linked or a non – Unit Linked plan?

What do you mean by ‘switching funds’?

Switching between funds implies that the policy holder can transfer his investments from one fund to another fund under the plan. This is usually done to change one’s investment pattern or strategy based on changes in the financial markets. For instance, one may want to switch from an equity based fund to a debt fund when the equity markets are on a downslide.

What are the different types of Savings Plans?

You may choose between a traditional endowment plan and unit-linked insurance plan depending on a number of factors including your risk profile, your understanding of different financial instruments and your ability to track your investments regularly. Therefore , those who are well aware of the financial markets, are willing to bear the investment risk and desire a higher return can look at unit linked products and vice versa.

How can a policyholder track the performance of a policy fund?

You can also track the daily NAV of your funds on our website or check them in leading newspapers

HDFC SL ProGrowth Super II

What is the surrender benefit?

Can I take any loan?

Policy loan is not offered in this plan

What happens if premiums are not paid

If you have not paid your premium by the expiry of the grace period, you will have following options:

to revive the Policy within a period of 2 years from the date of discontinuance, or
to completely withdraw from the Policy without any risk cover, or
to convert the policy into paid-up policy (available on discontinuance after completion of the 5 policy years)

What are the exclusions available under the Plan?

In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death.Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit.
For detailed exclusions for the plan options please refer to product brochure carefully and/or consult Relationship Manager.

What are the fund choices?

The plan offers 4 funds of varying risk & return profiles. Income Fund, Balanced Fund, BlueChip Fund and Opportunities Fund

What are the Plan option available?

There are 8 Plan options available under the Plan ProGrowth Super II. Please refer to the product brochure for details.

What is the Settlement Option?

HDFC Life Capital Shield

What is HDFC Life Capital Shield?

HDFC Life Capital Shield is a non-par Unit Linked Plan. It is an investment-cum-insurance plan that offers the potential of better returns, by investing a part of your money in equity and the balance in debt, while also providing you with life cover. The allocation of your money to debt fund shall systematically increase over time to protect your capital.

What is the Policy Term available in this plan?

Capital Shield provides a Policy Term of 10 years.

What is the Premium Payment Term available in this plan

Capital Shield provides a flexibility to choose a single pay option or a Limited Premium Payment term of 5 years.

What are the key features of this plan?

- Protect your investment from market risks with an Assured Maturity Benefit of 101% of the Total Premiums paid
- Pay premiums only once or for a limited period of 5 years
- Get increasing Loyalty Additions from the end of the 6th policy year onwards to boost the Fund Value
- Stay protected during the entire policy term with life insurance cover

What are the age limits for this plan?

The age limits for this plan include:

Minimum Entry Age	8 years
Maximum Entry Age	60 years
Minimum Maturity Age	18 years
Maximum Maturity Age	70 years

What is the Death Benefit this plan?

In case of the Life Assured’s unfortunate demise during the Policy term, provided all due premiums have been paid, the nominee will be paid the “Sum Assured on Death”. The “Sum Assured on Death” shall be the highest of:
- Sum Assured less an amount# for Partial withdrawals made, if any (as detailed below)
- Fund value
- 105% of total premiums paid till the date of death*

#The partial withdrawals to be deducted from the Sum Assured shall be:

For death before attainment of age 60 - all partial withdrawals made during the two year period immediately preceding the date of death of the Life Assured.

For death on or after attainment of age 60 - all partial withdrawals made after attainment of age 58 years of the Life Assured. Upon payment of the death benefit, the Policy shall terminate and no further benefits are payable.

Are there any Loyalty Additions available under this plan

Loyalty additions (as percentage of the average fund value) will be added to the fund value in the form of additional units from the end of 6th policy year onwards, provided all due premiums have been paid. The Loyalty Additions will be added for both Single Pay and Limited Pay policies. Percentage of loyalty additions will vary with the Policy Year and have been outlined below:

Policy Year	Loyalty Additions (as a % of average Fund Value)
6	0.50%
7	0.50%
8	0.75%
9	0.75%
10	1.50%

The average fund value shall be calculated based on the fund values at the end of the policy month, for the immediately preceding 12 policy months. Loyalty Additions will be allocated between the funds in the same proportion as the value of total units held in each fund at the time of allocation.

What is the Maturity Benefit available under this plan?

Your policy matures at the end of the policy term and all your risk cover ceases. On maturity of the policy, provided all due premiums have been paid, the Life Assured will receive higher of:
- Fund Value
- Assured Maturity Benefit (as defined below)

Assured Maturity Benefit = (101% * “Total Premiums” paid till date) less the Total Partial
Withdrawals made till date (if any) Where “Total Premiums” shall be:
- For Single Pay policies : Single Premium
- For Limited Pay policies : 5 times the Annualised Premium

Please note that the Assured Maturity Benefit will be paid only on policy maturity provided all due premiums have been paid and will not apply on death or surrender. Upon payment of the maturity benefit, the Policy shall terminate and no further benefits are payable.

Are there any exclusions in this plan?

Are there any tax benefits available with this plan

What is the Capital Shield Management Strategy

There are 2 Funds available under this strategy:
i) Capital Growth Fund – An equity oriented fund to provide medium to long term capital appreciation with a high level of risk.
ii) Capital Secure Fund – A debt oriented fund to provide capital preservation and safety with a low level of risk.

As a part of this strategy, your premium (net of premium allocation charges) will be utilised to purchase units of the Capital Growth Fund and the Capital Secure Fund. The percentage allocation in Capital Growth Fund and Capital Secure Fund will be as per your age at policy inception and the Sum Assured multiple that you have opted for. Your fund value will also be rebalanced to achieve the proportions set out below. The allocation in Capital Growth Fund will keep decreasing in subsequent policy years to decrease the exposure to equity, thus helping you keep your capital protected.

What are the charges associated with this plan

Please refer the Product Brochure for the detailed list of Charges available under this plan

HDFC Life Click2Protect 3D Plus

What is the difference between Life and Extra Life options?

In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life option. Customer has the flexibility to select the amount of Extra Life Sum Assured (maximum up to Base Sum Assured)

What are the benefits available under Income option?

This option provides the nominee with a Lump sum benefit and a regular stream of level/ increasing monthly income on death of Life Assured. The customer has to select this Lump sum benefit, amount of monthly income, income term for which the income payout will happen (up to 20 years) and a simple rate of increase in income.

What is the difference between Income and Extra Life Income options?

In addition to the benefits under Income Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life Income option. This additional Sum Assured will be payable partly as Lump sum and partly as income benefit on accidental death.

What is the difference between 3D Life and 3D Life Long Protection options?

In addition to the benefits under 3D Life Option, Life Assured is covered for whole life under 3D Life Long Protection option. Premiums under this option have to be paid only till an age of 65.

What is Life Stage Protection feature?

Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured

This feature is available under all plan options

1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs
Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs
Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs

What is Accidental Total Permanent Disability (ATPD)?

ATPD means when the life assured is totally, continuously and permanently disabled and meets either of the two definitions below:

Unable to Work:
Disability as a result of injury or accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.
Physical Impairments:
The life assured suffers an injury/accident due to which there is total and irrecoverable loss of:
i. The use of two limbs; or
ii. The sight of both eyes; or
iii. The use of one limb and the sight of one eye; or
iv. Loss by severance of two or more limbs at or above wrists or ankles; or
v. The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.

The disabilities as stated under “Unable to Work” and “Physical Impairments” must have lasted, without interruption, for at least 6 consecutive months and must, in the opinion of a medical practitioner (as defined below), be deemed permanent. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (iv) and (v) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately.

Define Terminal Illness

A life assured shall be regarded as terminally ill only if that life assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners’ specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. Terminal illness due to AIDS is excluded. The definition of medical practitioner will be in line with Guidelines on Standardization in Health Insurance, and as defined below:

A Medical Practitioner is a person who holds a valid registration from the Medical Council of any State or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of license. The person must be qualified in allopathic system of medicine and shall not be the Life Assured himself/herself.

How many Critical Illnesses are covered under 3D Life & 3D Life Long Protection options and what is the benefit associated with them?

These plan options provide Waiver of Premium benefit if the Life Assured is diagnosed with any of the 34 covered Critical Illness.

How many plan options are available under this plan?

The following plan options are available under this plan.

1. Life Option
2. 3D Life Option
3. Extra Life Option
4. Income Option
5. Extra Life Income Option
6. Income Replacement Option
7. Return of Premium Option
8. Life Long Protection Option
9. 3D Life Long Protection Option

The customer shall have to choose an option at the inception of the policy. The option once selected cannot be changed at a later date.

Is this plan only available online?

No, this plan is available on both Online and Offline platforms

What is the difference between Life and 3D Life options?

In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness under 3D Life option

What is the difference between Life and Return of Premium options?

In addition to the benefits under Life Option, upon survival of the Life Assured till the end of the Policy term, Total premiums paid till date will be returned back as maturity benefit

What is the difference between Life and Life Long Protection options?

In addition to the benefits under Life Option, Life Assured is covered for whole life under Life Long Protection option. Premiums under this option have to be paid only till an age of 65.

Are there any alterations allowed under this plan?

You shall have the option to alter the premium payment frequency at any Policy anniversary

Does this plan offer tax benefits?

Premiums paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.

Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.

What are the benefits available under Life Option?

Under this option your nominee will get a Lump sum Benefit on death or diagnosis of Terminal Illness. Your future premiums will be waived upon Accidental Total Permanent Disability. These benefits are available under all plan options

What is Top up option?

This option provides for a systematic increase of your cover from 1st policy anniversary onwards. This option is available under all plan options and has to be opted at policy inception.

What is the Policy Term available under this plan?

For all options other than Life Long Protection and 3D Life Long Protection options – 5 to 40 years

For Life Long Protection and 3D Life Long Protection options – Whole of Life

What does 3D stand for in HDFC Life Click 2 Protect 3D Plus?

3D stands for Death, Disease & Disability. HDFC Life Click 2 Protect 3D Plus is a comprehensive term plan that provides protection against these 3D's.

Children's Plans

HDFC SL YoungStar Super Premium

Why do I need a Children’s Plan?

As a parent, your priority is your child’s future and being able to meet their dreams and aspirations. Providing a good education, establishing a professional career or even a modest wedding is becoming an expensive proposition with each passing year. Costs are increasing fast. Just imagine how much you will need when your young children tale these important steps in life in the future. With our Children’s Plans, you can start building regular savings today to help you secure your child’s immediate and future needs even when you are not around.

Should I buy a plan in my Child’s name or in my own name?

When purchasing a Life Insurance plan, it is important to remember that its main purpose is to replace an income that is lost in case of the unfortunate demise of the chief bread winner of the family (Life Assured). A child rarely has an income and therefore has no reason to be insured. If the Insurance Plan is taken in name of the child, the plan gets derailed in case of the unfortunate demise of the parent. Thus, the very objective of any Children’s Plan is undermined if the plan is acquired in the child’s name.

Therefore, as far as possible, make sure that you, as a parent, are the Life Assured and the nominee or the beneficiary is your child.

What are the factors to consider while buying a Children’s Plan?

Consider the inflated costs of a normal educational course or any other requirements that your child might have in the future. This should be your targeted savings amount, which you would want to receive when the policy matures. Ideally, the term you should choose for the plan is when your child is in a position to require the money. Thereafter, you need to sit with your Relationship Manager to work out the amount to be invested and the level of protection required.

Does HDFC SL offer Unit Linked plans within its entire range of Children’s Plans?

Yes, the plan name is HDFC Young star super premium plan.

Will I also be able to save tax through a Children’s Plan?

Yes, you will be eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to the provisions contained therein (tax benefits are subject to change in the tax laws. Please refer to the Tax Benefits section for more details).

HDFC Life YoungStar Udaan

Can the plan be offered under limited underwriting

The plan can be applied by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.

When does the plan acquire Guaranteed Surrender value?

The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of 7 years and 3 full years’ premium have been paid for premium payment term of 10 years or more.

Can I take monthly payouts instead of annual payouts?

Yes.The policyholder shall have an option to receive the survival benefits (other than the final payout, payable on maturity) in monthly installments. If so opted for, the monthly survival benefit shall be:

8.5% of the annual survival payout,
payable over a period of 12 months,
with the first installment being paid on the policy anniversary on which annual survival payout falls due

What is the exclusion in the plan?

In case of death due to suicide, within 12 months;

From the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid, provided the policy is in-force.
From the date of revival of the policy, the nominee of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death.

Will the basic death benefit amount be reduced by the survival benefits already paid?

No. On death of the life assured after the commencement of survival benefits under Academia and Career maturity benefit options, the Death Benefit payable shall not be reduced by the survival benefits already paid.

Do I have option to avail loan under the policy?

The policyholder can avail Loan under the policy provided the policy has acquired a surrender value and subject to terms and conditions as the Company may specify from time to time.

How do I choose from options available under this plan?

At policy inception, based on your child’s future needs you can choose one of the three available Maturity Benefit Options. These options are:

a) Aspiration: if you choose this option, you will receive a lump sum payout the end of your policy term. You can use this money to fund your child’s marriage or any other large expense.
b) Academia: if you choose this option, you will receive guaranteed payouts during the last 5 policy years. The first guaranteed payout shall be higher than subsequent guaranteed payouts. You can use these payouts to fund your child’s college education in future.
c) Career:if you choose this option, you will receive guaranteed payouts during the last 5 policy years. The last guaranteed payout shall be higher than previous guaranteed payouts. You can use these payouts to fund your child’s schooling or college expenses in future.

Also at policy inception, based on the level of protection you need for your child’s financial planning, you can choose one of the two Death benefit options. These options are:

a) Classic: in case of unfortunate demise of life assured during the policy term, the nominee receives Basic Death benefit + accrued Guaranteed Additions + accrued Bonuses, if any. After the payment of death benefit, the policy terminates.
b) Classic Wavier:in case of unfortunate demise of life assured during the policy term, the nominee receives Basic Death benefit. All future outstanding premiums under the policy will be waived. The contract shall continue and the benefits as per Survival benefit and Maturity Benefit shall be available.

Where Basic Death benefit is defined as higher of:

Sum Assured on Death
105% of Premiums paid

The Sum Assured on Death shall be the higher of:

Sum Assured on Maturity
10 times Annualised Premium for entry age up to 50 years and 7 times Annualised Premium for entry age greater than 50 years

What is the premium frequency available under policy?

The premiums can be paid annually, half-yearly, quarterly and annually

What payouts will I get under different plan options?

The table below specifies the series of money back/endowment payouts, payable at the end of each year, for a premium paying or a fully paid-up policy.

	Maturity Benefit Option
Year of Payout	Aspiration	Academia	Career
5th year before Maturity	-	30% of SA	15 % of SA
4th year before Maturity	-	15 % of SA	15 % of SA
3rd year before Maturity	-	15 % of SA	15 % of SA
2nd year before Maturity	-	15 % of SA	15 % of SA
1st year before Maturity	-	15 % of SA	15 % of SA
At Maturity	100% of SA + GA + accrued bonuses	15 % of SA + GA + accrued bonuses	40 % of SA + GA + accrued bonuses
Total	100% of SA + GA + accrued bonuses	105% of SA + GA + accrued bonuses	115% of SA + GA + accrued bonuses

SA: Sum Assured on maturity. GA: Guaranteed Additions

Can I change my maturity/death benefit options during the policy term?

No. You choose your maturity benefit option and death benefit option at policy inception and they cannot be changed during the policy term.

What are Guaranteed Additions under this plan?

The plan provides you with additional boosters in the form of guaranteed additions where the premium payment term is 10 years or more, provided the policy is in force. The Guaranteed Additions are payable at maturity. These guaranteed additions are declared over and above bonuses.

The Guaranteed Additions shall accrue at the end of every policy year as specified below:

Policy Term	Guaranteed Additions (% of Sum Assured on Maturity)
<= 19 years	3 % p.a. for first 5 policy years, nil thereafter
>=20 years	5 % p.a. for first 5 policy years, nil thereafter

What is the Death-Benefit under the plan?

The table below captures the available death benefits during the policy term under various options.

Death Benefit Options	Death Benefits
Classic	Basic Death benefit + accrued Guaranteed Additions + accrued Bonuses, if any
Classic Waiver	Basic Death benefit + Premium Waiver

The table below describes each of the above benefits in detail.

Basic Death Benefit

The basic death benefit shall be the higher of:

Sum Assured on Death
105% of Premiums paid

The Sum Assured on Death shall be the higher of:

Sum Assured on Maturity
10 times Annualised Premium for entry age up to 50 years and 7 times Annualised Premium for entry age greater than 50 years

Premium Waiver

All future outstanding premiums under the policy will be waived. The contract shall continue and the benefits as per Survival benefit and Maturity Benefit shall be available.

For the purpose of computation of Death Benefit, the premiums shall exclude any underwriting extra premiums, any loadings for modal premiums and any taxes paid such as service tax and education cess. For more details on risk factors, terms and conditions, please read the Product Brochure carefully before taking a decision.

Health & Accident Insurance

All Health and Accident Insurance

What do you mean by exclusions under the Accidental Protection Plan - Hospital Cash?

Exclusions are situations or conditions where HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.

Can I include my spouse in this the Accidental Protection Plan - Hospital Cash policy?

Yes, you can include your spouse and up to 2 children in the policy.

How do I make a claim?

You can make a claim by calling our toll-free number 1800-226-226 (MTNL or BSNL) or 1800-2-700-700 (any line) or 022 6638 4800 (local/STD charges apply). We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted.

When does my Revive Policy for Personal Accident start?

It will commence within 15 days from the date of receipt of the form and premium payment.

What plans are available under the Revive Policy for Personal Accident ?

HDFC ERGO offers a wide range of sums insured ranging from Rs. 2.5 Lakhs to Rs. 15 Lakhs, with four plan options to choose from:

Self Plan
Self and Family Plan
Self + Dependent Parents Add-On
Self and Family + Dependent Parents Add-On

What benefit do I get from the Revive Policy for Personal Accident if I break my bones?

You get 10% of the sum insured up to Rs. 50,000 (for dependent parents) if you break your bones in an accident.

Is there an age limit to buy an Accidental Protection Plan - Hospital Cash policy?

We can insure anyone between the age of 18 and 69 years.

Who can be a beneficiary under the Accidental Protection Plan - Hospital Cash?

A beneficiary can be any member of your family.

How do I renew my Accidental Protection Plan - Hospital Cash policy?

We will send you renewal reminders. The number of days in advance the reminder is sent depends on the pay plan you have opted for.

Pay plan break up:
Cheque – 45 days
Credit Card – 60 days

Will I get a renewed Revive Policy for Personal Accident policy?

Yes, you will receive a renewed policy.

What is the definition of a dependent child?

A dependent child is an unmarried child between the age of 3 months and 18 years, or up to 21 years if in full time education, residing with the insured person.

Does the Accidental Protection Plan - Hospital Cash policy cover natural death and daily sickness as well?

This policy only covers accidental death.

Does this the Revive Policy for Personal Accident cover natural death and daily sickness?

This policy only covers accidental death.

What benefit do I get from the Accidental Protection Plan - Hospital Cash policy if I break my bones?

You will be paid up to Rs. 50,000 if you break your bones in an accident.

How do I make my premium payments for my Accidental Protection Plan - Hospital Cash policy?

This is an annual policy where the premium can be made online via Credit Card, NetBanking or Cheque.

What is an accident?

An accident is any sudden or unexpected event, which leads to permanent physical disability or accidental death.

When does my Accidental Protection Plan - Hospital Cash policy start?

Your policy will commence within 15 days from the date of receipt of the form and premium payment.

What is the definition of a dependent child?

A dependent child is an unmarried child between the age of 3 months and 18 years, or up to 21 years if in full time education, residing with the insured person.

Does the Accidental Protection Plan - Hospital Cash policy have a hospital cash benefit?

Yes hospital cash provides a benefit of Rs. 1,000 for every day up to a maximum of 30 days in case of hospitalization due to an accident.

What is the cancellation procedure?

The policy can be cancelled with a notice period of 30 days. The premium paid by you will be returned on a pro-rata basis or 25% of the annual premium, whichever is higher will be retained. Any cancellation request sent after 30 days of commencement of the policy will be refunded on a pro-rata basis.

Does this the Revive Policy for Personal Accident have hospital cash benefit?

Yes, hospital cash provides a benefit of Rs. 250 every day up to a maximum of 30 days in case of hospitalization due to an accident.

What do you mean by exclusions under the Revive Policy for Personal Accident?

Exclusions are situations or conditions where in HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.

How many members can be included under the Family Plan of the Revive Policy for Personal Accident?

You can include your spouse and up to 2 children under the Family Plan.

Is there an age limit to opt for a Revive Policy for Personal Accident?

A Revive Policy is open to anyone between the age of 18 and 65 years.

HDFC ERGO Critical Illness - Silver Plan

Why should I purchase Critical Illness Insurance?

Critical Illness Insurance provides you and your family with additional financial security on the diagnosis of a critical illness. The policy provides a lump sum amount which could be used for:

Cost of care and treatment
Recuperation aids
Pay off of debts
Any loss in income owing to a decrease in ability to earn

What is Critical Illness Insurance?

Critical Illness Insurance is a policy that pays out a lump sum amount up to the sum insured upon diagnosis of a critical illness covered under the policy.

Can I make multiple claims for the same or any other listed Critical Illness?

No, you can make only one claim during the lifetime of the policy.

What is meant by disease under the Critical Illness - Platinum Plan?

Disease is a pathological condition of a part, organ or system resulting from various causes such as infection, pathological process or environmental stress and characterized by an identifiable group of signs or symptoms.

What are the available plans under the Critical Illness policy?

You can choose to be insured for any of the following amounts: Rs. 2,50,000, Rs. 5,00,000, Rs.7,50,000 or Rs. 10,00,000.

Who do I contact in the case of a claim under the Critical Illness policy?

In the case of a claim under the policy, you should immediately intimate us on our helpline number. On receipt of the intimation, we will register the claim and assign a unique claim reference number which will be communicated to the insured and may be used for all future correspondence.

What are the benefits under the Critical Illness - Platinum Plan?

The company will pay the sum insured as a lump sum on the first diagnosis of any one of the following critical illnesses, provided that the insured person survives a period of 30 days from the date of the first diagnosis.

The following critical illnesses are covered under our plan:

Heart Attack (Myocardial Infarction )
Coronary Artery Bypass Surgery
Stroke
Cancer
Kidney Failure
Major Organ Transplant
Multiple Sclerosis
Paralysis

What is a Benefit Policy?

Under a Benefit Policy the insurance company pays the policy holder a lump sum amount, on the occurrence of an insured event.

What are the medical tests that I need to undergo to enrol myself for the - Platinum Plan policy?

No pre-policy medical check up is required for individuals up to the age of 45 years.

What documents are required at the time of a claim?

The insured shall arrange for submission of the following documents required to process a claim within 45 days from the date of intimation.

Duly completed claim form
Original discharge summary
Consultation note/ relevant treatment papers
All relevant medical reports along with supporting invoices and doctors requisition advising the same
Original and final hospitalization bills with detailed break-up
Pharmacy Bills along with prescriptions
Any other documents as may be required by the company

On receipt of the claim documents the claim will be processed in accordance with the terms and conditions of the policy.

How do I make a claim under the Accidental Protection Plan - Hospital Cash policy?

You can make a claim by calling our toll-free number 1800-226-226 (MTNL or BSNL) or 1800-2-700-700 (Any Line) or 022 6638 4800 (Local/STD charges apply). We will then assist you with the submission of the required documents and the process will be completed within 7 working days, once all the required documents are submitted.

What do you mean by pre-existing diseases not covered under the Critical Illness plan?

A pre-existing disease is any condition, ailment, injury or related condition for which the insured person had signs or symptoms and/or was diagnosed and/or received medical advice or treatment prior to the first policy with the company

Is there any tax exemption under the Health Suraksha policy?

Yes, you can avail up to Rs. 15,000 as tax benefit under 'Section 80D'. In case you are a senior citizen, you can avail up to Rs. 20,000 as tax benefit under 'Section 80D'.

Subject to changes in Tax laws

Is there any eligibility criterion to purchase this the Critical Illness policy?

A Critical Illness policy covers individuals in the age group of 5 years to 45 years. Children between 5 years and 18 years will be covered only when both the parents are also insured under the policy.

HDFC ERGO Critical Illness - Platinum Plan

What is meant by disease under the Critical Illness - Platinum Plan?

Can I make multiple claims for the same or any other listed Critical Illness?

No, you can make only one claim during the lifetime of the policy.

Are there any eligibility criteria to purchase this the Critical Illness - Platinum Plan ?

A Critical Illness policy covers individuals in the age group of 5 years to 45 years. Children between 5 and 18 years will be covered only if both parents are also insured under the policy.

What is Critical Illness insurance?

Critical Illness insurance is a policy that pays out a lump sum under ‘Section 80D’. In the case of senior citizens you can avail up to Rs. 20,000 as tax benefit under ‘Section 80D’.

Why should I buy Critical Illness insurance?

Critical Illness insurance provides you and your family additional financial security on the diagnosis of a critical illness. The policy provides a lump sum amount which could be used for:

Cost of care and treatment
Recuperation aid
Debts pay off
Any lost in income due to a decrease in ability to work

How do I make a claim under the Accidental Protection Plan - Hospital Cash policy?

What documents are required at the time of a claim?

The insured shall arrange for submission of the following documents required to process a claim within 45 days from the date of intimation.

Duly completed claim form
Original discharge summary
Consultation note/ relevant treatment papers
All relevant medical reports along with supporting invoices and doctors requisition advising the same
Original and final hospitalization bills with detailed break-up
Pharmacy Bills along with prescriptions
Any other documents as may be required by the company

On receipt of the claim documents the claim will be processed in accordance with the terms and conditions of the policy.

Who do I contact in the case of a claim under the Critical Illness - Platinum Plan?

In the case of a claim under the policy, you should immediately intimate us on our helpline numbers.

What are the medical tests that I need to undergo to enrol myself for the - Platinum Plan policy?

No pre-policy medical check up is required for individuals up to the age of 45 years.

What is a Benefit Policy

Under a Benefit Policy, when an insured event happens the insurance company pays the insured a lump sum amount.

Why should I buy Critical Illness insurance?

Critical Illness insurance provides you and your family additional financial security on the diagnosis of a critical illness. The policy provides a lump sum amount which could be used for:

What are the benefits under the Critical Illness - Platinum Plan?

The following critical illnesses are covered under our plan:

Heart Attack (Myocardial Infarction )
Coronary Artery Bypass Surgery
Stroke
Cancer
Kidney Failure
Major Organ Transplant
Multiple Sclerosis
Paralysis

Is there any tax exemption under the Health Suraksha policy?

Yes, you can avail up to Rs. 15,000 as tax benefit under 'Section 80D'. In case you are a senior citizen, you can avail up to Rs. 20,000 as tax benefit under 'Section 80D'.

Subject to changes in Tax laws

What do you mean by pre-existing diseases not covered under the Critical Illness - Platinum plan?

HDFC ERGO Health Suraksha

What is cumulative bonus?

Cumulative bonus is an increase in the sum insured by a specified percentage of every claim free year subject to a certain maximum, provided that the policy is renewed without any break. Under the Health Suraksha policy, you can avail a 5% cumulative bonus for every claim free year upto 50% of SI..

What is meant by Day Care Procedures?

Day Care Procedures are the medical procedures/surgeries wherein the person does not need to be hospitalised for more than 24 hours due to technological advancement.

What are Pre and Post hospitalisation expenses?

Pre-hospitalisation expenses means medical expenses incurred for a specified number of days prior to hospitalisation for any disease, illness or injury sustained which is covered under the Policy. Post-hospitalisation expenses means medical expenses incurred for a specified number of days after discharge from the hospital.
In 'Health Suraksha' the pre-hospitalisation period is 60 days while the post-hospitalisation period is 90 days.

What are the benefits of a health card?

A health card mentions the contact details and contact numbers of the TPA. In case of a medical emergency, you can call these numbers for queries, clarifications or to seek any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital.

Do I need to pay for hospitalisation?

If you are admitted in any of our network hospitals, you can avail a cashless facility. We will directly reimburse all the admissible expenses to the hospital. However, in case of non-network hospitals you will have to settle hospital bills at the time of discharge and consequently, the same will be reimbursed to you by us.

What is TPA? Who is the TPA for HDFC ERGO?

TPA stands for Third Party Administrator. Family Health Plan Limited (FHPL) is our TPA. FHPL is a Third Party Administrator in the field of health insurance duly licensed by the Insurance Regulatory Development Authority of India. FHPL provides high quality, value added services with emphasis on quality consistency along with timely and customised service.

What are the medical tests that I need to undergo to enrol myself for the Critical Illness policy?

No pre-policy medical check up is required for anyone up to the age of 45 years.

What is Family Floater and what are its features?

Family Floater is a policy wherein the entire family of the insured comprising of the insured and his/her dependents, are covered under a single sum insured.

The advantages of such a policy are:

All member of the family (as defined above) can be covered under one policy.
A Single Premium is payable for the entire family
The amount of the sum insured floats over the entire family, i.e. the limit can be used by any member of the family, any number of times.
You do not have to keep track of renewals for different members. Just a single renewal date has to be remembered.

What is meant by disease?

Disease means a pathological condition of a part, organ or system resulting from various causes such as infection, pathological process or environmental stress and characterised by an identifiable group of signs or symptoms.

What are domiciliary hospitalisation expenses under the Health Suraksha policy?

Domiciliary hospitalisation means medical treatment for a period exceeding 3 days for such illness, disease or injury which in the normal course would require care and treatment at a hospital/nursing home but is actually taken while confined at home in India, but only under the following circumstances:

The condition of the patient is such that he/she cannot be taken to the hospital/nursing home
The patient cannot be taken to the hospital/nursing home as a result of lack of accommodation therein

How do I make a claim under the Accidental Protection Plan - Hospital Cash policy?

What is meant by Network Hospitals?

These are hospitals that form part of the company's network (part of the company's tie-up list). For a complete list of network hospitals, log on to our website www.hdfcergo.com

Are there any special discounts available under the Health Suraksha policy?

The policy provides a family discount of 10%, if 3 or more family members are covered under a single policy on an individual sum insured basis.

What do you mean by pre-existing diseases?

Any condition, ailment, injury of related condition(s) for which the insured person has had signs or symptoms and/or was diagnosed and/or has received medical advice/treatment within 48 months prior to the insured’s first policy with the company.

What is a hospital/nursing home?

A hospital/nursing home means an establishment which:

is registered as such with a local authority and is under the supervision of a registered and qualified Medical Practitioner and operates for the reception, care and treatment of sick, ailing or injured persons as inpatients
provides organized facilities for diagnosis and medical and surgical treatment at all times; and is not primarily a day clinic, rest or convalescent home or similar establishment and is not, other than incidentally, a place for the treatment of alcoholics or drug addicts or a rehabilitation centre;
OR
has a fully equipped operation theatre of its own wherever surgical operations are carried out
provides nursing care and has a physician or a staff of physicians actually on the premises at all times
at least 10 in-patient beds at all times

Are all Health Suraksha policy holders eligible for a health card?

Yes, all policy holders are eligible for a health card as it is an important component of the policy.

Why do I need health insurance?

Health Insurance will protect you and your family against any financial contingency arising due to a medical emergency.

What is covered under the Ayush benefit?

Under the Ayush benefit expenses are reimbursed for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.

What are the benefits under the Health Suraksha policy?

Health Suraksha offers optimum health coverage at affordable prices. The plan not only covers hospitalisation expenses due to accidents or illness but also extends to cover pre and post hospitalisation expenses, day care procedures, domiciliary treatment, organ donor expenses, emergency ambulance and ayush benefit.

What is an injury or injuries?

Injury or injuries means any physical, external or accidental bodily injury occurring suddenly in time and resulting solely and independently of any other cause or any physical defect or infirmity existing before the period of insurance.

What is meant by non-network hospitals?

These hospitals do not form part of the company’s tie-up list. The bills are settled by the Insured and the relevant documents and bills are subsequently submitted to the TPA. The amount consequently, is reimbursed to the insured.

What is meant by Organ Donor Expense?

Organ Donor Expenses are all the hospitalisation expenses incurred by the donor for the donation of an organ (excluding the cost of the organ) to the insured during the course of an organ transplant.

What do you mean by pre-existing diseases?

Who do I contact to submit a claim under Health Suraksha policy in case of hospitalisation?

For hospitalization /claim, customer can contact via

Call: 1800 200 1999 / 1860 2000 700
Fax: 1860 2000 600
Email: healthclaims@hdfcergo.com
Through IPO: Login to Insurance Portfolio Organizer (IPO) from HDFC Ergo website home page

Is there any tax exemption under the Health Suraksha policy?

Yes, you can avail up to Rs. 15,000 as tax benefit under 'Section 80D'. In case you are a senior citizen, you can avail up to Rs. 20,000 as tax benefit under 'Section 80D'.

Subject to changes in Tax laws

What are the plans available under this policy?

You can insure yourself for Rs. 3 Lakhs, Rs. 4 Lakhs or Rs. 5 Lakhs. You can choose from any of the four plans mentioned below:

Is there any eligibility criterion to purchase this the Health Suraksha policy?

A Health Suraksha policy is open to individuals from the age of 3 months to 65 years.
There is no entry age limit unlike other policies

HDFC ERGO Individual Personal Accident Plan 2

What is the benefit of broken bones under this policy?

Pays 10 % of Sum Insured upto 50,000(for dependent parents), if an accident results in broken bones

How do I make a claim?

You can make a claim by calling our Toll free number 1800-226-226 (MTNL or BSNL Line) or 1800-2-700-700 (Any Line) or 022 66384800 ( Local / STD charges apply). We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted.

How do I renew my policy?

We will send you renewal reminders. The number of days advance reminder depends upon the pay plan opted for.

Payplansbreakup :
Cheque-45days
Credit Card – 60 days

Will my accident policy cover me even if I am out of the country?

Yes the accident policy will cover you even if you are out of the country. The sum insured will be paid to you in Indian Rupees in case of a claim i.e. the claim will be paid out in India only

Does this policy have hospital cash benefit?

Yes, depending on the plan selected hospital cash provides a benefit up to Rs. 500 everyday upto a maximum of 45 days in case of hospitalization due to an accident.

Does this policy cover natural death and daily sickness also ?

This policy only covers accidental death.

What is the definition of a dependent child?

Dependent child means an unmarried dependent child residing with the insured person between the age of 3 months and up to 18 years or up to the age of 21 if in full time education.

Who can be the beneficiary?

The beneficiary could be any member of your family.

How many members can be included under the Family Plan?

You can include your spouse as well as two dependent children under the Family Plan.

What kind of documentation is required?

The best part of this policy is that it has hassle free documentation. All you need to do is fill the complete proposal form with relevant details and sign it .Tick any one plan and attach a cheque or fill the credit card details in the form.

What do you mean by exclusions?

Exclusions are situations or conditions where in HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.

When does my policy start?

This will be commenced within 15 days from the date of receipt of form & premium payment

Is there an age limit for opting Individual Personal Accident Plan 2 policy?

It is open to everyone from the age of 18 years to 65 years.

What are the benefits payable under this policy?

Now you can protect your entire family with Individual Personal Accident Plan 2 against accidental injuries. The policy provides the benefits to you and your family, for Accidental Death, Permanent Disability, Broken Bones, Burns due to an accident.

It also provides benefit of Ambulance cost and hospital cash.

How do I make my premium payments?

This is an annual policy, where the premium can be made via Credit Card or Cheque

Can I include my parents in this policy?

Yes, you can include your dependent parents up to 70 years. The plan provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.

What kind of benefits is my spouse and children entitled to?

100% of the sum insured in case of accidental death, permanent disability, broken bones, burns,Hospital cash of the spouse & 10% of the sum insured in case of accidental death or permanent disability of the children.

What are the available plans with under this policy?

HDFC ERGO offers you a wide range of Sum Insured, from Rs. 2.5 lakh to 15 lakh with four plan options to choose.

Self Plan
Self & Family Plan
Self + Dependent Parents Add-on
Self & Family Plan + Dependent Parents Add-on

Will I get a renewed policy?

Yes, you shall receive the renewed policy

What is the Cancellation procedure?

The policy can be cancelled with a notice period of 30 days. The premium paid by you will be returned on a pro-rata basis or 25% of the annual premium whichever is higher would be retained. Any cancellation request sent after 30 days of the commencement of the policy will be refunded on pro - rata basis.

How do I make my premium payments?

This is an annual policy, where the premium can be made online via Credit Card/Netbanking or Cheque

What is an accident?

Accident or Accidental means a sudden, unforeseen and involuntary event caused by external, visible & violent means

HDFC ERGO Individual Personal Accident Plan 3

What is an accident?

Accidentmeans a sudden, unforeseen and involuntary event caused by external, visible & violent means.

Is there an age limit for opting HDFC Ergo Personal Accident Insurance policy?

Personal Accident Insurance is open to everyone from the age of 18 years to 65 years.

Till what age the HDFC Ergo Personal Accident Insurance policy can be renewed?

Personal Accident Insurance policy can be renewed for life long

What do you mean by exclusions?

Exclusions are situations or conditions where in HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.

Does this policy cover natural death and daily sickness also?

This policy only covers accidental death.

Who can be the beneficiary?

The beneficiary could be any member of your family.

Will my accident policy cover me even if I am out of the country?

Yes the accident policy will cover you even if you are out of the country. The sum insured will be paid to you in Indian Rupees in case of a claim i.e. the claim will be paid out in India only.

HDFC ERGO My Health Medisure Super Top Up Insurance Plan

Does the threshold/deductible limit consist of single claim or multiple claims?

Threshold/ deductable limit is an aggregate deductible which the customer has to pay either from his pocket or through other Mediclaim, beyond aggregate deductible (crossed in single claim or in multiple claims in a policy year) full claim amount will be paid by HDFC Ergo General Insurance.

Example-1: Single Claim in a policy year

	Deductible	Sum Insured in HDFC Ergo General Insurance Insured Super Top up Policy	Claim amt assessed	Deductible Exhaustion	Balance Deductible	Claim amt payable by other policy / saving	Claim amt payable by HDFC Ergo General Insurance Insured Super Top up Policy
At inception	200,000	800,000	0	0	200,000	0	0
Claim 1	200,000	800,000	10,000,00	2,00,000	0	2,00,000	8,00,000

Example-2: Multiple Claims in a policy year

	Deductible	Sum Insured in HDFC Ergo General Insurance Insured Super Top up Policy	Claim amt assessed	Deductible Exhaustion	Balance Deductible	Claim amt payable by other policy / saving	Claim amt payable by HDFC Ergo General Insurance Insured Super Top up Policy
At inception	200,000	800,000	0	0	200,000	0	0
Claim 1	200,000	800,000	150,000	150,000	50,000	150,000	0
Claim 2	200,000	800,000	300,000	50,000	0	50,000	250,000
Claim 3	200,000	800,000	550,000	0	0	0	550,000

Is there any co-payment applied on this policy?

All person(s) named covered under the policy above the age of 80 years (age last birthday) shall bear a co-pay of 10% for each and every claim.

Do I need to undergo medical test for buying this policy?

You are not required to undergo any medical tests up to the age of 55 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy. In such cases and for applicants above age 55 years, one has to undergo the specified medical tests.

What are the Medical test charges?

Pre agreed charges for health check up with our network provider are Rs 1000/- and Rs.1200/- per person for SET1 & SET2 respectively. On acceptance of proposals, we will reimburse 50% of the expenses.

What is the minimum and maximum deductible in this plan?

You can choose minimum of Rs. 2,00,000 and maximum of Rs. 5,00,000 aggregate deductible in this policy.

What is the entry & exit age for this policy?

One can be a proposer under the Policy from the age of 18 years to 65 years. You can insure your children from the age of 91 days to the age of 23 years.

Can I also include my parents and parent- in-laws in this policy?

Yes, you can include your parents and parent- in-laws in the same Policy on an Individual Sum Insured basis and in a separate Policy on floater Sum Insured basis.

Is it mandatory to inform change in health condition in writing while renewing Super Top Up plan?

No. There is no such obligation under the Policy. Once we have accepted the proposal, member will be eligible for life time renewal.

If the claim amount is 6 lakhs, how much will be paid by HDFC Ergo General Insurance?

Whatever is over and above the threshold limit will be paid.

What are the documents required?

Please refer Policy wordings for exhaustive list of claims documents required. We will not ask for anything over and above the list given in Policy.

Will the continuity benefit (2years) be given on Super Top Up plan as well?

Continuity benefit will not be available in Super Top Up plan as portability benefits are not available in this product.

Does pre-existing cover start after 4 years or 3 years?

The Policy covers expenses incurred for the treatment of diseases that you have before taking the Policy. Such will be covered only after 36 months of continuous coverage.

Chemo & dialysis does not required local or general anesthesia will it be cover under day care?

Yes, since chemo & dialysis are recurring procedures and does not require local or general anesthesia, in this context all such procedures will be covered & paid under day care procedures.

Do we have any loading on pre-existing ailments?

Yes, there were will be loading on pre existing ailments which will be arrived at after health check up of the customer. Acceptance of the proposal will be subject to medical underwriting.

A person undergoes for dialysis 4 times in a week will it be covered if the basic deductible is exhausted?

Yes, any illness payable under the Policy for which threshold gets exhausted, will be paid under Super top up.

Can I cover my family members in this policy?

You can cover your family members as given below in a single Policy on Individual Sum Insured basis.

Brother, Sister, Grand Son, Grand Daughter, Daughter in Law, Son in Law, Nephew, Niece, Grand Mother and Grand Father.

Will I get tax benefit if I cover my family on individual Sum Insured basis?

Yes, you will get Tax benefit under section 80D.

Vehicle Insurance

Do I need to have Auto Insurance?

Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured with a Liability Only policy at the very least.

Do I need to lodge an FIR in case of an accident?

You will need to lodge an FIR in the following circumstances:

Any third party personal injury or death due to an accident involving your vehicle
Any personal injury or death of a paid driver
Any personal injury or death of an owner-driver
Any personal injury or death of a passenger
Any third party property damage
Theft of the entire vehicle
Theft of accessories, stereo-recorders, other vehicle parts

During the policy period, if I add accessories like a music system in my vehicle, are they also covered?

Yes, they will be, as long as you make a written request to us with a description of the accessory along with its value. You may also have to pay an additional premium.

What is IDV (Insured’s Declared Value)?

The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' and it will be fixed at the commencement of each policy period for each insured vehicle.
The IDV of the vehicle is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance/renewal, and adjusted for depreciation (as per the schedule specified below). The IDV of the side car and/or accessories, if any, filled to the vehicle but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed.

Age of the vehicles	% depreciation to fix IDV
Not exceeding 6 months	5%
Exceeding 6 months but not exceeding 1 year	15%
Exceeding 1 year but not exceeding 2 years	20%
Exceeding 2 years but not exceeding 3 years	30%
Exceeding 3 years but not exceeding 4 years	40%
Exceeding 4 years but not exceeding 5 years	50%

What is salvage and what happens to it?

Salvage refers to discarded parts that are damaged beyond repair and need to be replaced. If these parts have no economic value (broken glass, torn plastic, rubber parts), they are thrown away. However, parts like doors, panels, petrol tanks, front forks, etc. do have a residual commercial value. To avoid recycling of such parts that may be repaired and sold as new, these need to be destroyed to prevent malpractices by unethical workshops.

What documents do I need to submit when buying Insurance for my vehicle?

All you need to submit is a signed proposal form, in certain cases you have to submit some additional documents, if required.

Are there any specific exclusions under a Motor Policy?

The following are not covered under a Motor Policy:

Wear and Tear
Mechanical or Electrical Breakdown, failure
Depreciation, any consequential loss

Driving under the influence of liquor or drugs
Loss or damage attributable to war, mutiny, nuclear risks
Any contractual liability

Can I buy a Motor Insurance policy online?

Yes, you can purchase an HDFC ERGO Motor Insurance policy online by using your Credit Card or online bank account.

Can I pay the premium for my Auto Insurance in instalments?

No, the law (Insurance Act, 1938) does not permit us to accept your Auto Insurance premiums in instalments.

Can I renew my Motor policy online?

Yes, you can renew your HDFC ERGO Motor Insurance policy online by using your Credit Card or bank account.

Can I renew other insurer policies with HDFC ERGO online?

Yes. You just have to log on to www.hdfcbank.com and provide minimum details of your expiring policy and buy an HDFC ERGO Motor Insurance policy online. Also avail benefits of the No Claim Bonus earned by you in full.

How is the premium for Motor Insurance calculated?

The premium is calculated based on the Make and Model of your vehicle, its age, place of registration, fuel type and Insured Declared Value (IDV). The premium is also subject to certain deductions based on the insured’s age and occupation and the No Claim Bonus earned by the insured during the policy period. You will need to submit documents or particulars to avail of these discounts.

In case you want extended coverage – for Personal Accident, Electrical/Non-Electrical Accessories, etc. you may have to pay an additional premium of the same.

What is a Motor Insurance cover note?

A cover note is a temporary insurance document establishing proof of Insurance with which you can register your vehicle. A cover note is valid for 60 days from the date of its issuance and is replaced by an Insurance policy.

What documents need to be submitted when I make a claim under my Motor Insurance policy?

You will need to submit a claim form along with the following:

A copy of the vehicle's registration book
A copy of the driving licence of the person driving the vehicle at the time of the accident
An estimate of the repairs
A copy of the police FIR/panchnama in case of theft or any third party personal injury/death or property damage

If the vehicle is declared a total loss, either due to an accident or theft, you will also have to provide the following documents – RTO transfer papers, original RC book, original Insurance policy, the vehicle’s original keys, a No Objection Certificate from you to transfer of the vehicle, a letter of indemnity on judicial stamp paper and a letter of subrogation on judicial stamp paper.

Will HDFC ERGO General Insurance give me an advance on the basis of a damage estimate under the Motor Insurance policies?

No, your vehicle must first be repaired, after which we will reimburse the amount payable to you or pay the garage directly in the case of cashless settlement under your policy.

What if I misplace my Motor Insurance policy document?

Call our toll-free helpline 1800-2-700-700 and we’ll advise you how to proceed. You may have to pay a small fee for a duplicate policy.

What is meant by total loss under the Motor Insurance policy?

Total loss means accidental damage to your vehicle where the cost of repair amounts to more than 75% of the IDV on your policy.

What is a No Claim Bonus (NCB) under a Motor Insurance policy?

It is a discount in the own damage premium payable when renewing your policy after a claim-free year. It is an incentive for driving carefully and avoiding accidents.

The No Claim Bonus on all types of vehicles, and the discount is as follows:

All Vehicles	% discount on Own Damage premium
No claim made or pending during the preceding full year of insurance	20%
No claim made or pending during the preceding 2 consecutive years of insurance	25%
No claim made or pending during the preceding 3 consecutive years of insurance	35%
No claim made or pending during the preceding 4 consecutive years of insurance	45%
No claim made or pending during the preceding 5 consecutive years of insurance	50%

What is HDFC ERGO General Insurance role in a third party injury/property damage suit?

We will handle the legal suit from the moment you receive a notification till the case is resolved. We will either settle the case out of court or actively defend the matter at the Motor Accident Claims Tribunal. Your co-operation will be essential in gathering the necessary documents and preparing a defence – viz. vehicle registration papers, driving licence of the person driving the vehicle, police FIR and panchnama, vakalatnama signed by you, your written statement as to the facts of the accident. We will also take care of legal liability and costs awarded by the tribunal. However, we will not be able to help you in the following situations:

Where your insurance policy is not valid, either because it has expired or because the cheque for your premium has been dishonoured.
The person driving the vehicle at the time of the accident was under the influence of drugs or alcohol.
The person driving the vehicle at the time of the accident did not hold a valid driving licence to drive the said vehicle.

Travel Insurance

When do I have to submit a medical exam?

Any insured with an adverse medical history has to submit medical reports irrespective of the trip band.

What is the benefit under Hijack Distress Allowance?

If the Common Carrier in which the insured person is abroad is hijacked, the company agrees to pay compensation for every six continuous hours in excess of the deductible.

Is travel insurance mandatory?

Travel Insurance is not mandatory in India. However, it is mandatory in the UK and others countries including Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg and the Netherlands. However, for a safe and peaceful trip, we recommend that you have a travel insurance policy no matter which country you are travelling to.

What are the various HDFC ERGO Travel Insurance policies?

HDFC ERGO provides coverage for Single Trip, Multiple Trip, Asia and a Family Floater Plan with various sums insured options to choose from.

What is covered under Delay of Checked Baggage?

This will reimburse the insured person on the cost of replacement of articles if the Checked-in Baggage or Personal Documents are delayed or misdirected.

What is covered under the benefit Loss of Checked Baggage?

This benefit will reimburse the insured person the cost of replacement of the articles if the Checked-in Baggage or Personal Documents are permanently damaged or lost.

Are ambulance charges covered under a Travel Policy?

Emergency Medical Expenses include ambulance service (to and from the hospital).

Can a foreign national be covered under a Travel Policy?

A foreign national working in India, with an Indian employer of a multinational company, earning in INR can be covered subject to the verification of a Ration Card and IT verification.

Why do I require Travel Insurance?

Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International trip. No matter what the purpose of your travel, business or pleasure, you are safer with Overseas Travel Insurance that will protect you from unfortunate events such as loss or delay in checked-in baggage, loss or passport, a medical emergency or an accident.

Will a claim in a Travel Insurance policy be settled on return to India?

A claim will be settled once the insured returns to India, expect in the case of hospitalization.

Do I have to go through a medical exam for a Travel Insurance policy?

No, there is no medical exam required for anyone below the age of 70 years.

Can I claim under both Loss of Checked Baggage and Delay of Checked Baggage?

No, because if your baggage and/or personal belongings are lost later, then any amount claimed and paid to an insured person under the Baggage Delay Section will be deducted from any payment under the Baggage Loss Section.

What are the medical reports that need to be submitted to avail of Travel Insurance?

For any insured with an adverse history of:

Blood Sugar PP and Fasting
ECG Report with tracing
Echo Cardiography report
USG Whole Abdomen

Any insured with any of these needs a doctor’s certificate with all details of past ailments and present medication, if any and a doctor’s certificate stating the insured is fit to travel.

What does Medical Repatriation and Evacuation cover under Travel Insurance?

Emergency Medical Evacuation means the arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means the arrangement for transportation required to move an insured to his/her country of residence following an emergency.

Can I avail of a cashless facility for hospitalisation under Travel Insurance?

Yes, we extend a cashless facility for hospitalisation.

Is loss of passport covered under Travel Insurance?

Yes, loss of passport is covered in the policy. It is covered under the benefit of ‘Loss of personal documents’. The assistance provider helps the insured contact the consular authorities and arrange for its replacement in the case of loss of passport.

Can be the Travel Insurance policy be cancelled?

The policy may be cancelled via request on email/fax, only if the journey has not commenced subject to premium retention of Rs. 250 (including Service Tax). A copy of the insured’s passport has to be submitted as proof. Any request for cancellation will be entertained not less than 14 days after the first date of insurance as indicated in the policy schedule.

Where can I get a claim form for Travel Insurance?

On registration of a claim, the claim form will be forwarded to you by mail, email or fax along with the intimation for the various documents required. The forms are also available on the website.

What does deductible imply under a Travel Insurance policy? Does this mean that the amount will have to be paid by the insured?

The deductible amount of a claim is to be borne by the insured.

Does the Travel Insurance policy cover loss of cash/Credit Card?

The company is not liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, Debit or Credit Cards.

Can I be insured for a trip of any duration under the Travel Insurance policy?

Yes, our travel plans provide coverage for trips as short as 1 – 4 days.

Does the Travel Insurance policy cover pre-existing diseases?

This policy does not cover pre-existing diseases. A pre-existing illness is one the insured is suffering from before buying the policy.

Can a Travel Insurance policy be extended?

Extensions are applicable to original policies of 30 days or more and provided the policy is still in force.

Can the Travel Insurance plan coverage period be reduced?

No refund is allowed after the start of the journey. No refund is allowed for curtailment of risk.

Who do I contact in the case of hospitalization when covered under Travel Insurance?

You have to contact the International SOS immediately in the case of hospitalization. They also provide any information to deal with any problem regarding claims.

Who do I contact in the case of hospitalization?

You have to contact the International SOS immediately in the case of hospitalization. They also provide any information to deal with any problem regarding claims.

Where can I get the list of hospitals extending the cash facility?

There is no standard list of hospitals. The insured needs to intimate the International SOS immediately on admission so that the cashless facility may be extended by the assistance provider.

For how many days can the Travel Insurance policy be extended?

The policy may be extended for a maximum of 180 days. The total policy period including extension should not exceed 360 days.

What are the eligibility criteria for a Travel Insurance policy?

Our Travel Insurance policy is available to people of any age between 6 months and 70 years.

Who do I contact for a claim on the Travel Insurance policy?

In the event of a covered emergency and to register claims call our International SOS Provider, ERV – 24 hour helpline centre and quote the Policy Holders’ Name, the Policy Number, Insurance Company, Passport Number when seeking assistance within 24 hours.

The contact details are:
Email: hdfcergo@internationalsos.com
Toll Free No: 1866 202 4700 (Only for USA & Canada)
Land line: 011 - 41898872 (for other countries)
Europe (for 28 countries in Europe): UFIN No. – 800 8000 8400
Fax: 011 - 41898801

Is emergency financial assistance provided under Travel Insurance?

A financial emergency is a situation where the insured loses all or a substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity. Under this benefit the insured is provided with Emergency Cash Assistance up to the limit stated in the Policy. This assistance is provided by the company through a service provider.

Home Insurance

What will be the start date of my insurance policy?

Your insurance cover starts from the commencement date indicated by you in the proposal form or receipt of the premium by us, whichever is later.

If I have a home insurance policy with two different companies, will I benefit from both?

If you have a policy with two insurance companies, at the time of the claim both insurance companies will pay on a proportionate basis.

Is there an age limit on the property for it to be insured?

No there is no age limit to buy a home insurance policy.

What are the documents required to be submitted in case of a home burglary claim?

The original invoice has to be submitted, giving the value of the items stolen. In addition to this you also have to give the replacement cost/repair cost, FIR, Final police report and claim form.

What happens to the home insurance policy if the insured house is sold?

From the time the transfer of ownership becomes effective, the policy stands cancelled and the insured ceases to be an insured under the policy. We will then refund the premium for the balance of the insured period.

What is the difference between burglary, theft and larceny?

Burglary is when there is forceful entry in the premises in order to rob.
Theft is when there is a robbery without any evidence of forceful entry in the premises.
Larceny is when a known person on the premises has robbed or stolen the insured’s belongings.

Can a HUF/ Leased (Mhada/Cidco) property be insured?

If you have financial interest in the property as owner or lessor then you can insure the property.

When is an FIR necessary in a Home Insurance claim?

A police FIR is mandatory in the case of:
Burglary
Theft
Malicious Damage
Riot and Strike
Terrorism

Will the company pay for debris removal during the reconstruction of the property under a Home Insurance claim? If yes, how much?

Yes, the company will pay a maximum of 1% of the total claim amount for debris removal.

What happens after the Home Insurance claim is registered?

The surveyor contacts the customer in 48 hours. The claim form is sent to the customer’s correspondence address within 7 working days.

How will I know my Home Insurance policy is due for renewal?

The renewal notice for a home insurance policy is sent 30 to 45 days in advance of the expiry of the policy.

What is the Home Insurance premium charged for fire and special peril cover and burglary and theft cover?

The premium charged is Rs. 70 per Rs. 1 lakh for fire and special peril and Rs. 240 per Rs. 1 lakh for burglary and theft.

Do you offer any discounts for Home Insurance?

Yes, we do. The discounts available are:
24 hour security guard – 5%
Burglar Alarm – 5%
Both – 15%

Can a laptop be covered under a Home Insurance policy?

Yes, it is covered only while it is in the insured residential premises.

How do we value the property under home insurance?

Property valuation is done by multiplying the built up area of the property with the cost of construction per square feet.

Is an FIR necessary for a property damage claim under the Home Insurance policy?

An FIR is mandatory in case of Malicious Damage, Riot and Strike, Terrorism, Burglary, Theft & Larceny claims.. However, it is not necessary in the case of floods, storms, earthquakes, lightning, subsidence or impact damage due to aircraft loss.

Can an entire society or building be covered under your Home Insurance policy?

No, an entire society cannot be covered under this product

What property is not covered under home insurance?

The following properties are not covered:

Properties under construction
'Kutcha' Constructions
Residence-cum-office properties
Residence-cum-shop
Land

What are the eligibility criteria to avail a Home Insurance policy?

Any resident Indian who is the owner of the property & which is located in India can purchase a Multi Year Home Insurance Policy.

Student Travel Insurance

Can HDFC Ergo Student Travel insurance suraksha policy be extended?

The extension under the policy shall be provided subject to the following conditions:

The original policy period has not expired
The sum insured shall not be enhanced
There is no claim during the original policy period
Declaration of good health shall be provided by the insured
Extension premium has to be paid before actual extension is affected
The entire policy period along with Extension does not exceed 2 years
Please note that extension on a policy can be availed only once during the risk period.

Cab sum assured be extended?

The Sum Insured cannot be increased.

Can the policy be cancelled?

The policy may be cancelled via request on Email/Fax. The intimation of cancellation has to reach us within 14 days of policy issuance. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunded.

Where one can avail the claim form?

On registration of a claim, claim form will be sent to you by post, e-mail or fax along with the list of documents required for assessing the claim. The claim form is also available on our website.

What does “deductables” means?

Deductible means the amount of a claim that has to be borne by the insured.

For how many days policy can be extended?

The total policy period including extension should not exceed 2 years.

How Do I extend my HDFC Ergo Student Travel insurance surakshapolicy?

Please send a request mail to Care@hdfcergo.com for extension of policy along with health declaration attached to it. You will receive a response from us with the detailed procedure and the additional premium amount.

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OTHERS

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Ways To Bank

Bank Online

Credit Card NetBanking

If I have an HDFC Bank Credit Card and a Current or Savings account with HDFC and have only registered for the Online Credit Card facility through NetBanking will I be able to view my HDFC Bank account details as well?

Your Credit Card account is separate from your Current/Savings account. If you have only registered for the Online Credit Card facility through NetBanking then you will only be able to view your Credit Card account details online.

How do I change my password?

What is the Autopay facility?

Autopay is a facility available to HDFC Bank account holders. It takes care of your Credit Card bill payments. If you register for the Autopay facility, your outstanding Credit Card statement amount will be automatically debited from your HDFC Bank account on your payment due date every month. The payment will be credited to your Credit Card account the following day.

When will I receive my changed ATM PIN?

You will receive your new ATM PIN by post within 10 days from when your request has been submitted.

What information can I view under account information with the Online Credit Card facility?

Under your account information you can view the following:

1) Total Credit limit – This the total credit limit assigned to your Credit Card at the time of set-up
2) Available Credit limit – This is your current available Credit Card Limit excluding total outstanding both Billed and Unbilled
3) Available Cash Limit – This is your current available cash limit
4) Total Billed Amount – This is the total amount as per your last Credit Card statement
5) Payment Due Date – This is the payment due date for your last statement. The minimum payment has to be credited to your Card on or before this date in order to avoid late payment charges
6) Minimum Amount Due – This is the minimum amount due as per your last statement. Your outstanding balance, after paying the minimum amount, will be charged interest.
7) Total Unbilled Amount – This is the sum of all retail transactions, both debit and credit, made by you after your last statement date.
8) Total Outstanding Authorization Amount – This is the sum of all retail transactions made by you, but not appearing under your total unbilled amount, and non-retail transactions after your last statement date which have been authorised by you that are yet to be billed to your account. It includes Cash-on-Call principal amounts, EMI amounts, Cash withdrawal amounts, and Balance Transfer amounts that are outstanding on your Credit Card account.
9) Reward Points Balance (Last Statement) – This shows the total rewards points you had accrued till your last statement date
10) Rewards Points balance (Current Statement) – This shows the total reward points you currently have on your Credit Card account

What can I do using Credit Cards NetBanking?

You can use a host of Online Credit Card services through NetBanking:

You can view

Account information
Unbilled transactions
Credit Card Statements (up to 6 months)

You can request

Credit Card Payments (Only for HDFC Bank account holders)
Autopay Registration (Only for HDFC Bank account holders)
Autopay De-registration (Only for HDFC Bank account holders)
Registration of a New Card
De-register Card
Statement on E-mail
Credit Card ATM Pin

What can be the reasons my NetBanking password is not working?

There could be various reasons why your password won’t work:

Remember, your password is case-sensitive and may not have been entered correctly.
If you don’t use your NetBanking facility for more than 180 days (or 120 days if you have registered only for Cards) it becomes inactive and your password won’t work
You may have entered the wrong password 5 times

What are the measures I can take to ensure greater security?

To ensure greater security when you log on to your NetBanking Account you should:

Log out completely from the NetBanking when you are finished. Use the Log Out button to log out so that the session closes and never log out just by shutting the window.
Choose a strong 6 to 8 digit password (alphanumeric) and change it regularly. Avoid obvious passwords (names of family members, pets, favourite musicians, etc), and don't reveal your passwords to anyone.
Not write your password down on any paper which is easily accessible to anyone.
Put in a power-on password in your computer so that nobody else can switch it on without your authorization.
Have a screensaver password so that when you are away from your workstation nobody else can access your computer once your screensaver comes on.
Change your password immediately if you think someone knows it.
Not leave the PC unattended and ensure no one can see what you are typing if you are using a computer in a public place (e.g. a Cyber Cafe).
Consider running a personal firewall, which will prevent any unauthorised person from accessing your computer.

Can I get my newly generated PIN online?

No, for security reasons we send you your ATM PIN only by post.

How can I view my monthly card statement?

To view your monthly Credit Card statement you have to:

Step 1: Click on the "View Statement" link that appears on the left side margin of the screen.

Step 2: Select your Credit Card number and the period for which you want the statement.

Step 3: Click on the "View" link

How do I change my password?

After you have logged in, you can change your password using the "Change password" option on the top part of the screen. You have to type your current password and the new password you have chosen in their respective boxes.

How can I de-register for the Credit Cards NetBanking service?

To de-register for the Credit Cards NetBanking service:

Step 1: Click on the "De-register card" link.

Step 2: Select the card number and click on "Confirm" to discontinue the NetBanking facility for your Credit Card.

Can anyone use the Credit Cards NetBanking service?

If you have a valid HDFC Bank Credit Card and you have registered for NetBanking then you can use our convenient Credit Card NetBanking service. Just ensure your card account is active and in regular status to use this service.

How can I see details of transactions made on my card after my last statement date?

To view details of transactions made by you on your Credit Card:

Step 1: Click on the "View Unbilled Transactions" link on the left side margin.
Step 2: Select your Credit Card number and the type of transactions (Debit/Credit) you want to see.
Step 3: Click on the "View" link.

How safe are my requests on NetBanking?

Along with the usual precautions like customer ID and IPIN, we use a technology called Secured Socket Layer (SSL) which scrambles information between you and the Bank. When an unknown user tries to access your account by trying various passwords, your account will automatically get locked. Every time you log into NetBanking your last login date and time will be shown so you can make sure nobody else has accessed your account. We also have a dedicated team in place to watch access to our web server and prevent unauthorised access. Even bank employees don’t know your password but to be completely safe remember to log out of NetBanking after you’re done using it.

How safe will my ATM PIN be?

Your ATM PIN is totally safe as no one, not even anyone from HDFC Bank, will have access to it.

If you hold a valid HDFC Bank Credit Card but are not an HDFC Bank Account Holder

Click here and create your own Log in ID and password.

If you are an HDFC Bank Account Holder and have not registered for NetBanking.

You first need to register. You can get an application form at any HDFC Bank branch or from our website. Once you fill in and submit the form we will send you an IPIN (NetBanking password).

I have changed my password but am now unable to use both my old and new password. How can this happen and what am I supposed to do?

This can happen if:

You have not keyed in the new password correctly
After five unsuccessful attempts of entering your password, access to NetBanking has been disabled. Don't worry your password will be enabled after 24 hours. If you are not able to login even after 24 hours please go to the "Forgot password" option and choose a new password.

What is the Autopay facility?

The Autopay is a facility available to HDFC Bank account holders. It takes care of your Credit Card bill payments. If you register for the Autopay facility, your outstanding Credit Card statement amount will be automatically debited from your HDFC Bank account on your payment due date every month. The payment will be credited in your Credit Card account on the following day.

What kind of hardware and software are recommended to use NetBanking more efficiently?

For NetBanking to be most effective you should:

Hardware: Use a Pentium PC with 32 MB RAM, 2.1 GB Hard Disk Space with at least 500MB free space.

Software: Have Internet Explorer Version 5.5 or higher, or Netscape Navigator Version 4.7 or higher.

When will I receive my changed ATM PIN?

You will receive your new ATM PIN by post within 10 days from when your request has been submitted.

How can I register for statement on E-mail?

To register for statement on e-mail you have to:

Step 1: Click on the "Statement on E-mail" link on the left side margin.

Step 2: Select "Office" or "Residence" (This ensures your email statement is sent to either your office or personal email address).

Step 3: Accordingly your office or residence Email ID will be displayed in the next input box. Click on "Continue" and "Confirm".

How can I register for Autopay?

To register for Autopay:

Step 1: Click on the "Autopay register" link on the left side margin.

Step 2: Select the Credit Card number that you want to register for the Autopay facility and your HDFC Bank account number from which you want your Credit Card payments to be made.

Step 4: Click on "Continue" and then on "Confirm".

How can I change my Credit Card ATM PIN?

To change your Credit Card ATM PIN you have to:

Step 1: Click on the "ATM PIN Change" link on the left side margin.

Step 2: Select your Credit Card number from the drop down box and click on the "Continue" link.

A message will appear on the screen confirming the successful submission of your ATM PIN change request.

Can I make an interim payment for a month based on my online Account Information, even before my statement for that period has been generated?

Yes, you can make interim payments for your Credit Card at any time based on your Account Information.

Can I de-register for Autopay for only 1 month and then re-register for it again?

Yes, you can de-register for the Autopay facility for 1 month and then re-register for it again.

Step 1: Click on the "De-register Autopay" link on the left side margin.

Step 2: Select the Credit Card number which you want to de-register and click on "Continue" and then "Confirm".

A message confirming successful de-registration of the Autopay facility for your Credit Card will be displayed on the screen. Whenever you want to use the facility again, you can follow the steps to register for Autopay mentioned earlier.

Do I get any special benefits when I use NetBanking?

Well, using NetBanking saves you a lot of time and provides you with the convenience of transacting from anywhere you like.

What is meant by unbilled transactions?

Your unbilled transactions are the transactions made by you on your Credit Card after your last statement date. These will be included in your next Credit Card bill.

What is statement on E-mail? How useful is it?

Statement on E-mail is a service whereby you get your monthly Credit Card statement on your email ID in PDF format. You have to register for this service. You will also continue getting a hard copy of your Credit Card statement. Registering for statement on email is convenient and time saving as you don’t have to wait for the hard copy of your statement. You can make your Credit Card bill payments as soon as you receive your e-statement.

Am I charged any fee for this service?

We offer this service to you absolutely free.

How can I register for this service?

A. If you are an existing HDFC Bank account holder and have already registered for NetBanking then you can easily register for the Online Credit Card service as well.

Step 1: Click the "NetBanking" radio button on the HDFC Bank home page and click on LOGIN.
Step 2: Click on "Continue"
Step 3: Enter your Customer ID and password and click continue. Once inside NetBanking, click on "Credit Cards" Tab
Step 4: Click on the "Register New Card" link. You will find this link on the left hand side.
Step 5: Enter your Credit Card number, expiry date and ATM PIN and click on "Submit".

B. If you are an HDFC Bank Account Holder and have not registered for NetBanking. You first need to register. You can get an application form at any HDFC Bank branch or from our website. Once you fill in and submit the form we will send you an IPIN (NetBanking password).

C. If you hold a valid HDFC Bank Credit Card but are not an HDFC Bank Account Holder
Click here and create your own Log in ID and password.

Email Statements

Who can register for email statements?

All Current and Savings account customers can register for email statements

What is the frequency of email statements?

Savings account customers registering for email statements will receive monthly statement of accounts. Current account customers can opt for daily/weekly/monthly email statements

If I am a managed portfolio customer, will I get combined email statements?

Customers covered under Imperia, Preferred and Classic programmes will receive combined email statement for all accounts (across Savings, Current & Fixed deposits) linked to the primary Customer ID

Will i receive physical statements, if I register for email statements?

With email statement registration, physical statement of accounts will be discontinued

Do I need to pay if I avail the Email statement facility?

The facility of E-mail statements is currently free of charges.

How can I register for email statements?

You may register for email statements through NetBanking or by visiting the nearest branch

Loan Accounts Online

How can I access Loan Accounts Online, if I do not have Net Banking ID?

An option for Retail Loan Customer is available, if you have availed only a Loan facility from HDFC Bank and do not have a Savings or Current Account, you can still register for this facility to access your loan details online by creating a User id & password.

What all information is required for User id & password creation?

Following information is required to Create User id and Password:

Loan Account Number
Last EMI Paid
Date of Birth

What if I have not received the OTP (One Time Password) for registration?

You will not be able to register your loan if OTP is not delivered on your mobile no. Please ensure your recent mobile number is updated in Banks records. Please contact customer service for further details.

I’m running loans with HDFC Bank, but the same are not reflecting under Loans tab?

You can register all your loans using "Register New Loan" option in the Loan Accounts Online module.

I have paid off my loan but it’s still reflecting under Loans tab on Net Banking?

All Closed loans will be viewable under Loans tab for a period of 6 months from loan closure.

What is Provisional Interest Statement?

Provisional Interest Statement is provided to all Loan Customers on request. This contains information about interest to be paid for a particular Financial Year.

I have taken a Home Loan from HDFC Ltd., can I access my Loan information through this feature?

Home Loan availed from HDFC Ltd can be accessed on http://www.hdfc.com

A new tab called “Loans” is displayed on Net Banking when I log in. What is this?

To compliment various other facilities offered under Net Banking, Bank has extended facility to existing loan customer to access & view loan details.

Why to Register for Loan Accounts Online?

Loan Accounts Online, is a self-service solution, to get details of your loan account instantly.

I am already an active Net Banking user for Savings account; do I need to register separately for Loan Accounts Online?

No. Existing active Net Banking Users can access their Loan account/s using Net Banking Cust id & password under "Loans" tab of Net Banking. Upon log-in, if the customer is unable to view his/her loan account under Loans tab, then loan a/c needs to be registered.

NetBanking

How can you block your IPIN (password) or un-register?

We will need a written instruction from you to block your IPIN. Alternatively, you can contact our PhoneBanking Services.

When will my NetBanking IPIN (password) not work?

Your IPIN (password) may not work if:

You have not entered the same lower or upper case as mentioned in the IPIN envelope sent to you. Remember the IPIN password is case sensitive.
You have not accessed your account for more than 999 days (in this case you need to attempt logging in again after 24 hrs).

What are the locations that we can make a demand draft for?

We can issue demand drafts at all the locations where we have a branch or have an arrangement with our correspondent bank for the same.

Please click here to view the locations where Demand Drafts are delivered

Will I be charged for this service?

No, NetBanking is free. However, you will have to maintain a minimum balance/deposit amount in your accounts.

When will the transactions conducted through NetBanking be processed?

All instructions for instantaneous transactions will come into effect immediately unless some processing work or maintenance activity is going on. If the services are not available during end of the day processing, then the transaction will be credited on the next day.

Any requests for non-instantaneous transactions like demand draft request, Fixed Deposit opening etc. we get carried out after 10 pm will be carried out during the next working day on a 'first in, first out' basis if there are clear funds in the account to be debited.

Your requests for online financial transactions like Funds Transfers, Third Party Funds Transfers, Credit Card payments and other such payments received after 10 PM will be carried out at the next working day on a 'first in, first out' basis if there are clear funds in the account to be debited.

In case we get instructions for any transactions during our weekly-offs/holidays/public holidays, we will put them into effect immediately on the next working day as per the terms and conditions on that day.

When will my transactions affect my account?

They will affect your account immediately, except in the case of Demand Draft requests, which will be processed during banking hours or on the next working day, whatever the case may be.

What should I do if I cannot read some digits of the password?

The IPIN (password) is a number randomly generated by the system, and the only person who has access to it is you. If you cannot read it completely, you should apply for regeneration of the password.

What does mean to say that the transactions are 'real-time online'?

We have designed the NetBanking service so that it takes your requests and acts on them immediately. All transactions that will affect your balance (except Demand Draft requests) are done automatically by the system. For example fund transfers, stop payment instructions, fixed deposit requests, etc. All the balances that are shown to you are up-to-date and cover transactions done by you over any of our channels.

What are the charges and limits for RTGS?

From 15th November, 2010 RTGS transactions are charged according to the conditions below:

Rs. 2 Lakhs to Rs. 5 Lakhs – Rs. 25 (inclusive of taxes) per transaction
Above Rs. 5 Lakhs – Rs. 50 (inclusive of taxes) per transaction

Charges for RTGS transactions done through Net Banking are not applicable for Current Accounts: Apex / Max / Plus / Merchant Advantage Plus / Flexi / Trade / Merchant Advantage / Premium / Regular.

The maximum amount of funds that can be transferred per customer ID every day is Rs. 10 Lakhs. The minimum amount is Rs. 2 Lakhs.

What are the charges and limits for NEFT?

Effective 1st August, 2012, NEFT transactions on NetBanking would be charged as below:

Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes) per transaction
Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes) per transaction
Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes) per transaction
Amounts above Rs.2 lakh – Rs.25 (exclusive of taxes) per transaction

Charges for NEFT transactions done through Net Banking are not applicable for Current Accounts: Apex / Max / Plus / Merchant Advantage Plus / Flexi / Trade / Merchant Advantage / Premium / Regular.

The maximum amount of funds that can be transferred per customer ID every day is Rs. 10 Lakhs.

What are the charges and limits for Funds Transfers within the Bank?

Funds Transfers within the Bank are completely free and the maximum limit per customer ID every day is Rs. 10 Lakhs.

What if I suspect that the security of any account of mine has been compromised?

If you suspect that the security of your account has been compromised,contact us immediately.

How will I know that my transaction has been completed?

The NetBanking system will let you know. Depending upon the transaction you have requested, NetBanking will:

Displaythe information you have requested
Acceptyour instruction and show an appropriate message to that effect or giveyou a transaction reference number which you may use to refer to yourtransaction in all future communication
Display an appropriate message on why it cannot complete your transaction or ask you to try again

How safe are my requests/transactions on NetBanking?

Along with the usual precautions like customer ID and IPIN, we use a technology called Secured Socket Layer (SSL) which scrambles information between you and the Bank. When an unknown user tries to access your account by trying various passwords, your account will automatically get locked. Every time you log into NetBanking your last login date and time will be shown so you can make sure nobody else has accessed your account. We also have in place a dedicated team to watch access to our web server and prevent unauthorised access. Even bank employees don’t know your password but to be completely safe remember to log out of NetBanking after you’re done using it.

Are there any special benefits of using NetBanking?

The special benefits of NetBanking are:

Free Stop Cheque request
Statement Request
BillPay facility
Preferred rates for demand drafts

Am I eligible for NetBanking?

If you have an HDFC Bank Savings or Current account, then you are eligible for NetBanking and you can access your account through NetBanking.

How do I change my password?

To change your IPIN (password), first log in to NetBanking with your Customer ID and current password. After you have logged in you can change your password using the ‘Change Password’ option. Your password should be a minimum of 6 characters and a maximum 15 characters and should be alphanumeric (have letters, numbers or both).

How can I log in if I have forgotten my password?

In case you have forgotten your password you can re-generate it using our Instant IPIN facility online.

What do I do when I get the message "Access denied"?

The possible reasons for this are:

You have not used the NetBanking facility for more than 999 days (in this case you need to attempt logging in again after 24 hrs).
You have entered the wrong IPIN (password) five times (in this case you need to attempt logging in again after 24 hrs).
If you have forgotten your IPIN, then we regenerate the IPIN based on an authenticated request from you

What are the measures I can take to make NetBanking safer?

You should log out from NetBanking when leaving your PC

Choose a "strong" 6 to 8 digit password (alphanumeric) and change it regularly. Avoid obvious passwords (names of family members, pets, favourite musician, etc.) and don't tell anyone else your password
You should not write your password down on any paper which may be seen easily by anyone
Put in a power-on password in your machine so that nobody else can switch on your machine
Have a screensaver password so that when you are away from your workstation nobody else can use it
If you think someone knows your password, go online and change it immediately
If you are using the Internet in a public place (e.g. a Cyber Cafe) do not leave the PC alone and be careful that no one is watching what you type
Log off from NetBanking when your session is finished. Use the ‘Log Out’ button to log out so that the session closes and don't just close the window to log off
You should consider running a Personal Firewall, which will prevent unknown people from accessing your computer and guard against the introduction of harmful programmes into your PC

If I have two accounts and two Customer IDs, how do I know which password is for which Customer ID?

For security reasons, we do not print your Customer ID or account number on the password mailer sent to you. You should try the combinations of the Customer IDs and passwords that you have. The other option is to link both your accounts to one Customer ID and apply for a fresh password.

What can I do using NetBanking?

You can perform a range of financial and non-financial transactions through NetBanking. Some of the transactions are:

Non-Financial transaction

View your Account balance
View your Account statement
Enquire about cheque status
Request for a statement
Request for a cheque book
View your Fixed Deposit details
Download your Fixed Deposit Advise online.
View your TDS details
View your Demat Account
Update your profile
View HDFC Bank Credit Card details
View your Mutual Funds portfolio
Update your PAN details Online
Update/ Hotlist your Debit Card Online
View Form 26 AS
View your Loan Account details

Transactions -

Stop a cheque payment
Pay your Utility bills
Request for a demand draft
Transfer funds between your accounts
Transfer funds to a third party
Book a new Fixed Deposit
Shop Online
Pay HDFC Bank Credit Card dues
Buy and sell Mutual Funds
Invest in IPO online
Book Recurring Deposit Online
Book ticket through IRCTC
Pay your Tax Online
Recharge your Prepaid Mobile Connection Online

To view the complete list click here

What kind of hardware and software is recommended to use NetBanking more efficiently?

The minimum requirements to use NetBanking are:

Hardware: You need to have a Pentium PC with 32 MB RAM, 2.1 GB Hard Disk Space with 500MB free space.

Software: You need to have a browser: Internet Explorer Version 8 or higher, Google Chrome Version 24 and higher, Firefox Version 17 or higher.

Where can I open a new Fixed Deposit?

You can open a Fixed Deposit in any nearest HDFC Bank branches in the country.

You can also open Fixed Deposits through NetBanking provided:

You have registered for the facility with necessary online financial transaction rights
Your PAN number is updated under your Customer Identification Number in Bank's records

Following are the steps for booking your Fixed Deposit online:

Access your NetBanking account with your Customer ID and IPIN (NetBanking Password)
Select "Open New Fixed Deposit" option under the Fixed Deposit menu from the Menu bar located on the left hand side of the web page
Select the desired values from the Drop-down lists
Once complete, click on "Continue" and "Confirm" the details entered
A new web page, confirming the Fixed Deposit booking will be displayed. Physical advices will not be sent for Fixed Deposits booked through Net Banking. An electronic mail advice will be sent to you on your registered e-mail Id within 2 working days. The password for your Fixed Deposit Advice will be your Customer ID.

At any point, if you wish to check your FD holdings, the same may be viewed on the Fixed Deposit summary page on Net banking. In case you wish to have a physical advice, you can download the same from the FD summary page on net banking.

How do I register for TPT (Third Party Transfer) services online?

You can register for TPT (Third Party Transfer) services online by following the below steps:

Step 1: Login to NetBanking using Cust ID & password
Step 2: Click on the TPT tab and 'Register Now'
Step 3: Select the Debit Card and enter the Debit Card details
Step 4: Confirm their mobile number and enter the OTP (One Time Password) which they have received on their registered mobile number

In case you are not registered for Secure Access you will be asked to register for it by selecting 5 Challenge Questions, Image and a Message

Customers can also fill up a TPT application form and submit it to the nearest HDFC Bank Branch along with a self-attested copy of Photo ID proof. They need to carry the original Photo ID for verification.

If your form is in order, the TPT facility will get activated within 4 working days from the date of receipt of your request.

Will I be charged for IPIN regeneration?

Online IPIN (Password) regeneration is free of cost. IPIN (NetBanking Password) regeneration request received at branches would be charged at Rs. 100 + taxes (as applicable) per instance. Click here to know more.

Will I be charged to book a Demand Draft online?

Yes. Courier charges for delivery of the Demand Draft, are applicable.

What is the process for IPIN (password) regeneration?

You can instantly reset your NetBanking password (IPIN) by following the below steps:

Enter your Customer ID
Select one of the two methods for authenticating the transaction
- OTP on registered mobile number and Debit Card details(PIN and expiry date)
- OTP sent to your registered mobile number and email id (not applicable for Resident senior citizen customers)
Input the details requested
Set your IPIN
Login to NetBanking using your newly set IPIN

Click here to know more about OTP

To reset your NetBanking password (IPIN), click here

NetBanking Registration / Re-Generation Request through HDFC Bank ATMs:

Visit your nearest HDFC Bank ATM
After entering your HDFC Bank Debit Card and ATM PIN, select “Other Option” from the Main screen
Select the option "NetBanking Registration" which is available on the left hand side
After selecting the option please confirm the request
Your IPIN will be couriered to your mailing address that is recorded with the Bank

You can call PhoneBanking if you have a Telephone Identification Number (TIN)

Download the e-Age Banking form (below), complete it and submit it at the nearest HDFC Bank branch.

NetBanking form for Individuals
NetBanking form for Corporates

How can I block my NetBanking?

You can use the following processes to block NetBanking:

PhoneBanking: You can report to our PhoneBanking unit to block NetBanking facility for your account. This facility is available round the clock. Simultaneously, you may also place request for new IPIN. Please click here to find the PhoneBanking number for your city.

At the Branch: An application form to block your NetBanking can be obtained at your nearest branch, or you can download it here and submit it at the nearest branch to block your NetBanking.

Bank with your Phone

InstaAlerts - SMS & Email

Click here to read FAQs on Insta Alerts

MobileBanking

MobileBanking App for iPhone

How to Login to the application

You need your Customer Id (unique identification code provided to you by the Bank) and IPIN (NetBanking password) to login to the application.

How do I know that no unauthorized payments are made using HDFC Bank MobileBanking?

With HDFC Bank MobileBanking, you initiate and authorize each and every payment that is made from your account. Remember to log out of the application after you have finished using it and don’t share your Customer ID and IPIN with anyone.

I am able to access other sites on my mobile browser but unable to download HDFC Bank MobileBanking?

HDFC bank MobileBanking is a secure application, downloading or access to HDFC bank MobileBanking may be slow/ intermittent on some GPRS plans. You may need to check with your telecom service provider about other GPRS plans if repeated attempts to access HDFC Bank MobileBanking fail on your existing plan.

What if I change my mobile number?

You can still access your account using HDFC Bank MobileBanking on your phone. However, in case, of a new handset you need to re-download the HDFC Bank MoBanking application

I have got a pop up that my account has been locked after inputting the wrong IPIN 5 times What do I do?

You will have to go to the HDFC Bank NetBanking website and follow the procedure mentioned to unlock your NetBanking account password.

Which version of iOS is compatible with HDFC MobileBanking application?

Apple iPhones having iOS 3.2 and above are compatible with the application.

What are the charges for GPRS service?

Individual mobile operators rates vary as per plan and services offered. Please contact your mobile operator for the charges.

How many users can use this application on a particular mobile phone?

Any number of users can use this application on the same handset. All that is required is the user's cust ID and IPIN

What if I get an SMS or a call while on HDFC bank MobileBanking?

You can still answer the call or read the SMS while HDFC Bank MobileBanking continues to run in the background. However current session will expire after 5 minutes of inactive use ofMobileBanking Application.

How do I terminate this service?

To terminate this service, you need to first deregister from NetBanking and then delete the application from the mobile phone.

Can I access MobileBanking if I have not registered for NetBanking?

No, you need to first register for NetBanking so as to access the Mobile Banking application through IPIN

Can I access HDFC Bank MobileBanking when I am on national roaming?

Yes, as long as you have GPRS activated on your mobile number, subject to availability of the network, you can access HDFC Bank MobileBanking anywhere in the country. Please keep in mind that you might be charged special roaming rates for using GPRS.

What are the basic phone requirements for downloading and installing the application?

GPRS should be enabled in your handset.

When will the transaction request placed on HDFC Bank MobileBanking get executed?

Any transaction request placed on your HDFC Bank MobileBanking will take the identical amount of time as it would on HDFC Bank NetBanking.

Which customers can use HDFC Bank MobileBanking Application?

Currently all customers having an active HDFC Bank NetBanking login and IPIN can use this application.

Do I need to register with a specific service provider to avail the GPRS service?

This facility is available across all service providers.

How do I get GPRS service?

You can get GPRS by calling your mobile operator and subscribing to a GPRS connection. Each operator has different ways of activating GPRS and time frames for connectivity. Kindly contact your mobile operator for details.

Can I use my HDFC Bank application overseas?

Yes, it can be used in any country as long as you have an active GPRS connection.

If I don’t use the service for a period of time, will my account be deactivated by the Bank?

If you don't use this service for 999 days, your account will be deactivated after 999 days.

What if I get disconnected or my mobile phone switches off while on the Application?

No problem, you are automatically logged out and after your handheld is switched on, you can log in and start transacting once again.

What do I do if I lose my mobile phone?

Even if you lose your phone your account will be safe, as to use this application you need a password.

What are the charges for downloading and using the HDFC Bank MobileBanking app?

HDFC Bank offers HDFC Bank MobileBanking Application FREE of charge to its customers. You can download and use this application as and when needed without any charges by the bank.

Your mobile operator will levy charges for GPRS/3G. Please check with your operator for details.

Is a GPRS connection mandatory?

Yes, without it you won't be able to download the application.

Is this service available 24x7?

Yes, the service is available round the clock.

How do you register for NetBanking?

Please click here to register for NetBanking

What is Customer ID?

It is the unique identification code provided to you by the bank.

How can I pay my bill through the Mobile Application?

After you have logged in, go the bill payment tab and then you can pay to the registered billers.

I don't use NetBanking. Will I still be able to download the app and use it?

Yes, you will be able to download the app but to use the application you need to register for NetBanking in order to get an IPIN which will act as your password for the application.

I am still unable to download HDFC Bank MobileBanking?

This may be due to congestion in your service provider's GPRS network. Please try again after some time.

Are there any charges and transaction limits to the transactions I can perform on HDFC Bank MobileBanking?

The maximum amount of funds that can be transferred per cust id per day is Rs 10 lacs. Limit of Rs 10 lacs applies whether as an individual or multiple transactions .

NEFT transaction on MobileBanking application is charged according to the conditions below:

Up to Rs. 1 Lakh – Rs. 5 (inclusive of taxes) per transaction
Above Rs. 1 Lakh to Rs. 2 Lakhs – Rs. 15 (inclusive of taxes) per transaction
Above Rs. 2 Lakhs – Rs. 25 (inclusive of taxes) per transaction

I was able to use the HDFC Bank MobileBanking application before, but I am not able to do so now. What do I do?

This might be due to a change in your GPRS settings. Please contact your service provider.

What if I want to change my mobile phone device?

In case you want to use the HDFC Bank MobileBanking application, you will have to re-download the application on your new handset. Follow the set of download instructions for this and continue banking on HDFC bank MobileBanking.

I was able to successfully download HDFC Bank MobileBanking but am not able to locate it on my mobile phone?

HDFC Bank MobileBanking should be in the applications, games or downloads folder on your mobile phone. Please refer to the Application Location section for your device.

How much memory space is required to install the MobileBanking application?

Approximately 1.3 MB is required to install the application.

Can I make payments to new payees?

You can register new payees on your HDFC Bank MobileBanking. All you need to do is login into MobileBanking (after registration, there is a waiting time of 30 minutes) and then you can make payments via MobileBanking.

MobileBanking App for BlackBerry

I was able to use the HDFC Bank MobileBanking application before, but I am not able to do so now. What do I do?

This might be due to a change in your GPRS settings. Please contact your service provider.

Which BlackBerry OS version is compatible with Blackberry MobileBanking App?

BlackBerry OS 5.0 or higher is compatible with Blackberry MobileBanking App.

Is a GPRS connection mandatory?

Yes, without it you won't be able to download the application.

Can I access HDFC Bank MobileBanking when I am on overseas/ national roaming?

Which Internet plan do I need to have to use the Blackberry MobileBanking App?

You need to have a BIS (Blackberry Internet Service) plan with unlimited data in order to use the Application.

Are there any charges and transaction limits to the transactions I can perform on HDFC Bank MobileBanking?

The maximum amount of funds that can be transferred per cust id per day is Rs 10 lacs. Limit of Rs 10 lacs applies whether as an individual or multiple transactions .

NEFT transaction on MobileBanking application is charged according to the conditions below:

Up to Rs. 1 Lakh – Rs. 5 (inclusive of taxes) per transaction
Above Rs. 1 Lakh to Rs. 2 Lakhs – Rs. 15 (inclusive of taxes) per transaction
Above Rs. 2 Lakhs – Rs. 25 (inclusive of taxes) per transaction

I don't use Net Banking. Will I still be able to download the app and use it?

Yes, you will be able to download the app but to use the application you need to register for Net Banking and get an IPIN which will act as your password for the application.

How can I pay my bill through the MobileBanking Application?

After you have logged in, go to the bill payment tab and then you can pay to the registered payee.

What if I get an SMS or a call while on HDFC Bank MobileBanking?

You can still answer the call or read the SMS while HDFC Bank MobileBanking continues to run in the background.

When will the transaction request placed on HDFC Bank MobileBanking get executed?

Any transaction request placed on your HDFC Bank MobileBanking will take the identical amount of time as it would on HDFC Bank Net Banking.

What is Cust ID?

It is the unique identification code provided to you by the Bank.

Is this service available 24x7?

Yes, the service is available round the clock.

Which customers can use HDFC Bank MobileBanking Application?

Currently all customers having active HDFC Bank Net Banking login and IPIN can use this application.

What if I want to change my mobile phone device?

Do I need to register with a specific service provider to avail the GPRS service?

This facility is available across all service providers.

What if I get disconnected or my mobile phone switches off while performing a transaction?

You can simply reconnect to HDFC Bank MobileBanking and verify your transaction history to check if the transaction has been executed.

Can I use my HDFC Bank application overseas

Yes, it can be used in any country as long as you have an active GPRS connection.

Can I access HDFC Bank MobileBanking when I am on overseas/ national roaming?

How do I get the GPRS Service?

You can get it by calling your mobile operator and subscribing to a GPRS connection. Each operator has different ways of activating GPRS and time frames for connectivity. Kindly contact your mobile operator for details.

How do I know that no unauthorized payments are made using HDFC Bank MobileBanking?

With HDFC Bank MobileBanking you initiate and authorize each and every payment that is made from your account. Remember to log out of the application after you have finished using the application and also don’t share your Cust ID and IPIN with anyone.

What are the charges for the GPRS service?

Individual mobile operators rates vary as per plan and services offered. Please contact your mobile operator for the charges.

Can I access MobileBanking if I have not registered for Net Banking?

No, you need to first register for Net Banking.

What are the charges for downloading and using HDFC Bank MobileBanking App?

HDFC Bank offers HDFC Bank MobileBanking Application FREE of charge to its customers. You can download and use this application as and when needed without any charges by the Bank.

Your mobile operator will levy charges for GPRS/ 3G. Please check with your operator for details.

How do you register for Net Banking?

Please click here to register for Net Banking

I was able to successfully download HDFC Bank MobileBanking but am not able to locate it on my mobile phone?

HDFC Bank MobileBanking should be in the downloads folder on your mobile phone.

Mobile operators offer multiple GPRS plans. To which one should I subscribe to use MobileBanking?

MobileBanking application works on all GPRS enabled mobile phones irrespective of the kind of plans.

What if I get disconnected or my mobile phone switches off while on home page?

You automatically get logged out and then after your handset is switched on, you can log in and start transacting once again.

How to Login to the application

You need your Customer Id (unique identification code provided to you by the Bank) and IPIN (NetBanking password) to login to the application.

What if I change my mobile number?

You can still access your account using HDFC Bank MobileBanking on your phone. However, in case, of a new handset you need to re-download HDFC Bank MobileBanking application

How do I log out of the MobileBanking Application?

There is a logout button available at the top right corner in the application

How many users can use this application on a particular mobile phone?

Any number of users can use this application on the same handset.

How do I terminate this service?

To terminate this service you need to first deregister from NetBanking and then delete the application from the mobile phone.

If I don’t use the service for a period of time, will my MobileBanking be deactivated by the Bank?

No, the Bank will not deactivate your MobileBanking even if you don’t use this service for 999 days.

I am able to access other sites on my mobile browser but unable to download HDFC Bank MobileBanking?

HDFC Bank MobileBanking is a secure application; downloading or access to HDFC Bank MobileBanking may be slow/ intermittent on some GPRS plans. You may need to check with your telecom service provider about other GPRS plans if repeated attempts to access HDFC Bank MobileBanking fail on your existing plan.

I am still unable to download HDFC Bank MobileBanking?

This may be due to congestion in your service provider’s GPRS network. Please try again after some time.

What do I do if I lose my mobile phone?

Even if you loose your phone nothing will happen, as to use this application you need a password.

Can I make payments to new payees?

You cannot register new payees on your HDFC Bank MobileBanking. You need to do that via Net Banking(after registration there is a waiting time of 12 hours) and then you pay via MobileBanking.

MobileBanking App for Android

I don't use Net Banking. Will I still be able to download the app and use it?

Yes, you will be able to download the app. But, to use the application, you need to register for Net Banking and get an IPIN, which will act as your password for the application.

I was able to successfully download HDFC Bank MobileBanking but am not able to locate it on my mobile phone?

HDFC Bank MobileBanking should be in the downloads folder on your mobile phone.

Which customers can use HDFC Bank MobileBanking Application?

Currently, all customers having an active HDFC Bank Net Banking login and IPIN can use this application.

I was able to use the HDFC Bank MobileBanking application before, but I am not able to do so now. What do I do?

This might be due to a change in your GPRS settings. Please contact your service provider.

What do I do if I lose my mobile phone?

Nothing will happen even if you lose your phone as you need a password to use this application.

What is the procedure for fund transfer using Android application?

Please find below the steps to make Funds transfer using Android Application

1. Login to the Application using your cust id and IPIN (NetBanking password)
2. Click on the Funds Transfer tab at the bottom.

To transfer funds within the Bank to different cust id
- Select the Account number from where you want to transfer funds
- Select account to which you want to transfer funds
- Enter the description & Amount and press continue
Select My Account to Transfer Funds within cust id
Select External Bank to transfer funds using NEFT to other Bank accounts
Select IMPS to transfer funds using IMPS funds Transfer

Which Android OS version is compatible with Android MobileBanking App?

Android OS 2.2 or higher is compatible with Android MobileBanking App.

What are the charges for downloading and using HDFC Bank MobileBanking App?

HDFC Bank offers HDFC Bank MobileBanking Application FREE of charge to its customers. You can download and use this application as and when needed without any charges by the Bank.

Your mobile operator will levy charges for GPRS/ 3G. Please check with your operator for details.

How do you register for Net Banking?

Please click here to register for Net Banking

How do I get the GPRS service?

What are the charges for the GPRS service?

Individual mobile operators rates vary as per plan and services offered. Please contact your mobile operator for the charges.

Mobile operators offer multiple GPRS plans. To which one should I subscribe to use MobileBanking?

MobileBanking application works on all GPRS enabled mobile phones irrespective of the kind of plans.

Can I access HDFC Bank MobileBanking when I am on overseas/national roaming?

What if I get disconnected or my mobile phone switches off while on home page?

You automatically get logged out and then after your handset is switched on, you can log in and start transacting once again.

If I don’t use the service for a period of time, will my MobileBanking be deactivated by the Bank?

No, the Bank will not deactivate your MobileBanking even if you don’t use this service for 999 days.

What if I get an SMS or a call while on HDFC Bank MobileBanking?

You can still answer the call or read the SMS while HDFC Bank MobileBanking continues to run in the background.

I am still unable to download HDFC Bank MobileBanking?

This may be due to congestion in your service provider’s GPRS network. Please try again after some time.

What if I want to change my mobile phone device?

In case you want to use the HDFC Bank MobileBanking application on your new device, you will have to re-download the application on your new handset. Follow the set of download instructions for this and continue banking on HDFC Bank MobileBanking.

What if I change my mobile number?

You can still access your account using HDFC Bank MobileBanking on your phone. However, in case of a new handset you need to re-download HDFC Bank MobileBanking application

Are there any charges and transaction limits to the transactions I can perform on HDFC Bank MobileBanking?

The maximum amount of funds that can be transferred per cust id per day is Rs 10 lacs. Limit of Rs 10 lacs applies whether as an individual or multiple transactions .

NEFT transaction on MobileBanking application is charged according to the conditions below:

Up to Rs. 1 Lakh – Rs. 5 (inclusive of taxes) per transaction
Above Rs. 1 Lakh to Rs. 2 Lakhs – Rs. 15 (inclusive of taxes) per transaction
Above Rs. 2 Lakhs – Rs. 25 (inclusive of taxes) per transaction

What if I get disconnected or my mobile phone switches off while performing a transaction?

You can simply reconnect to HDFC Bank MobileBanking and verify your transaction history to check if the transaction has been executed.

How can I pay my bill through the MobileBanking Application?

After you have logged in, go to the bill payment tab and then you can pay the registered payee.

When will the transaction request placed on HDFC Bank MobileBanking get executed?

Any transaction request placed on your HDFC Bank MobileBanking will take the same amount of time as it would on HDFC Bank Net Banking.

How do I log out of the MobileBanking Application?

There is a logout button available at the top right corner in the application

Is a GPRS connection mandatory?

Yes, without it, you won't be able to download the application.

Can I access MobileBanking if I have not registered for Net Banking?

No, you need to first register for Net Banking.

Do I need to register with a specific service provider to avail the GPRS service?

This facility is available across all service providers.

How to do NEFT funds transfer through MobileBanking for Android?

Please find below the steps to use NEFT funds transfer.

Login to the MobileBanking application using cust id and IPIN (NetBanking password)
Click on the Funds Transfer tab at the bottom.
Select External Bank on the page

Is this service available 24x7?

Yes, the service is available round the clock.

How to Login to the application

You need your Customer Id (unique identification code provided to you by the Bank) and IPIN (NetBanking password) to login to the application.

How do I know that no unauthorised payments are made using HDFC Bank MobileBanking?

With HDFC Bank MobileBanking, you initiate and authorise each and every payment that is made from your account. Remember to log out of the application after you have finished using the application and also don’t share your Cust ID and IPIN with anyone.

How many users can use this application on a particular mobile phone?

Any number of users can use this application on the same handset.

How do I terminate this service?

To terminate this service, you need to first deregister from NetBanking and then delete the application from the mobile phone.

I am able to access other sites on my mobile browser but unable to download HDFC Bank MobileBanking?

HDFC Bank MobileBanking is a secure application; downloading or access to HDFC Bank MobileBanking may be slow/intermittent on some GPRS plans. You may need to check with your telecom service provider about other GPRS plans if repeated attempts to access HDFC Bank MobileBanking fail on your existing plan.

How do I download the application?

To download the HDFC MobileBanking application directly to your Android Phone, please follow the following simple steps.

Go to the Google Play Store
Search for HDFC Bank MobileBanking
Download the App.

Can I use my HDFC Bank application overseas?

Yes, it can be used in any country as long as you have an active GPRS connection.

What is Cust ID?

It is the unique identification code provided to you by the Bank.

Can I make payments to new payees?

MobileBanking App for Nokia

What do I do if I lose my mobile phone?

Even if you loose your phone nothing will happen, as to use this application you need a password.

Which customers can use HDFC Bank MobileBanking Application?

Currently all customers having active HDFC Bank Net Banking login and IPIN can use this application.

How do I log out of the MobileBanking Application?

There is a logout option that is available in the application.

What are the charges for downloading and using HDFC Bank MobileBanking App?

I am still unable to download HDFC Bank MobileBanking?

This may be due to congestion in your service provider’s GPRS network. Please try again after some time.

I am able to access other sites on my mobile browser but unable to download HDFC Bank MobileBanking?

How can I pay my bill through the MobileBanking Application?

After you have logged in, go to the bill payment tab and then you can pay to the registered payee.

Can I access HDFC Bank MobileBanking when I am on overseas/national roaming?

What is Cust ID?

It is the unique identification code provided to you by the Bank.

How do I terminate this service?

To terminate this service you need to first de-register from NetBanking and then delete the application from the mobile phone.

How do I get the GPRS Service?

Can I use my HDFC Bank application overseas?

Yes, it can be used in any country as long as you have an active GPRS connection.

What if I want to change my mobile phone device?

I was able to successfully download HDFC Bank MobileBanking but am not able to locate it on my mobile phone?

HDFC Bank MobileBanking should be in the 'Downloads' folder or in the 'Games' folder on your mobile phone. Also, an icon can be created on the menu page.

Is a GPRS connection mandatory?

Yes. Without it, you won't be able to download the application.

I don't use Net Banking. Will I still be able to download the app and use it?

Yes, you will be able to download the app but to use the application, you need to register for Net Banking and get an IPIN which will act as your password for the application.

Is this service available 24x7?

Yes, the service is available round the clock.

How to Login to the application?