Use your credit card to pay bills and shop.

Enrol for the Bill Value program and pay your mobile, telephone, electricity, insurance bills with your HDFC Bank Credit Card to enjoy amazing cash back & reward points offers. 

The 3 key Bill Value benefits are as below: 

• Welcome Benefit - 500 Bonus Reward Points on 1st utility bill payment (Payment through Smart Pay or directly to the merchant) 

• Smart Pay Benefit - 2% Cashback on all Smart Pay payments with a max cap of Rs 200 and reversal of Rs.10

• Direct Pay Benefit - 1% Cashback on all utility bill payments directly made to the bill merchant with a max cap of Rs 150.

Annual Fee for the service is Rs. 199.

Want to know more about your Monthly statements?

Your monthly statement is a record of all transactions you've made during a particular month. When you make any transaction, you receive a charge slip or a bill from the Merchant Outlet. Keep these slips and cross check the amounts stated in your monthly statements. In case you find a transaction that doesn't match your records, call us immediately on our 24-hour helpline.

Understanding the terms used in your monthly statement

• Card member's name and number 
  Your name as it appears on the card along with your 16-digit card number.

• Statement date 
  The date on which the statement was generated.

• Payment due date 
  The date on which your payment is due.

• Credit limit 
  The maximum amount that can be outstanding against your credit card at any point of time.

• Available credit limit 
  The unutilised value of the credit at any point of time after taking into account the balance outstanding billed and unbilled.

• Available cash limit 
  Amount available for cash withdrawal (Subject to Available Credit Limit).

• Purchases and Debits 
  This is the sum total of all retail / cash transactions incurred by you during your statement period. This also includes the fees.

• Finance Charges 
  This is the charge that is applicable in cash advances and Revolving Credit facility.

• Payments / Credits 
  These are the details of payments made by you and any credits received during the month prior to Statement Date.

• Transaction details 
  All purchases that have taken place in India and abroad are listed in this section. It covers the date on which the transaction took place, brief details on the transaction (including the registered name of the merchant establishment), the city in which the transaction took place, the transaction number and the amount of the transaction. The amount column will also show the currency in which the transaction took place in the case of a transaction done outside India, Nepal or Bhutan. It is recommend

• Changes to Cardmember Agreement 
  The Bank reserves the right to vary any of the Terms & Conditions of the Cardmember Agreement from time to time with due intimation to the customer. Changes to the Terms & Conditions shall be communicated through the Bank's website and by any other acceptable modes of communication.

Presenting a world of exclusive benefits with GLOBAL VALUE. Enroll for the program on your HDFC Bank Credit Card and avail a host of amazing benefits when you use your card for international purchases.

Features

• Welcome / Renewal Benefit - 500 Bonus Reward Points on 1st International transaction. This feature is available once in a year.
• Cashback Benefit - 1% Cashback on all International transactions (upto Rs. 1,000/- per statement cycle).
• Milestone Benefit – Get Rs. 2,000/- worth Yatra voucher once you accumulate International spends of Rs. 1,50,000/- in a year. This feature is available once in a year.

Program Fee

Annual / Renewal Fee – Rs. 199/-

Registration Process

Simple, just call our 24x7 customer service number to place your request. 

After your request is processed we will enable GLOBAL VALUE program on your credit card and you can start enjoying the benefits.

Service Activation

Your request will be processed within 5 working days. 

The service activation confirmation will be communicated to you through SMS (on the registered mobile no.) and through Letter (on the registered mailing address)

Points to Note

This program is available for the following retail credit cards - Gold, Titanium, Platinum Plus, Signature, World, Titanium Edge, Platinum Edge, Solitaire, Solitaire Premium, Superia, Regalia and Infinia.

Welcome Benefit would be credited within 60 days of first international transaction, post enrolling for the program.

Milestone Benefit – Yatra voucher would be sent within 30 days of achieving International spends of Rs. 1,50,000/- in a year.

The maximum cashback would be Rs. 1,000/- per statement cycle under the benefit.
Cancellation policy - If this facility is cancelled at any point of time, the program fee already charged for the year will not be reversed.

GST will be additionally applicable on the program fee

OneAssist is an exclusive service that provides you with an easy way to secure your wallet. WalletAssist protects you from bank card frauds, both online and offline.

• One call to block all lost Credit & Debit Cards
• Get fraud cover up to 2.5 lacs
• Cover against online frauds, skimming, phishing, ATM and PIN frauds
• Card fraud protection from 30 days prior to reporting loss up to Rs 1,50,000
• Free replacement of lost PAN and Driving License
• Get emergency travel assistance

Click here to avail the offer

Please Note: This is to inform that by clicking on the hyperlink, the user shall enter a website which is not owned by HDFC Bank Limited ("HDFC Bank") but managed and owned by merchant partners

Important terms and conditions - Corporate Card

• English
• Hindi
• Kannada
• Malayalam
• Telugu
• Tamil
• Bengali
• Marathi
• Gujarati
• Punjabi
• Oriya
• Assamese
• Urdu
• Sindhi

Important Terms & Conditions - Personal Cards

Please refer the English version for the latest updates

Fee for payments made by depositing cash at HDFC Bank branches/ATM has been revised to Rs.100 effective 1st November, 2012

• English
• Hindi
• Kannada
• Malyalam
• Telugu
• Tamil
• Bengali
• Marathi
• Gujarati
• Punjabi
• Oriya
• Assamese
• Urdu
• Sindhi

Important Terms & Conditions - Personal Cards

Please refer the English version for the latest updates

Fee for payments made by depositing cash at HDFC Bank branches/ATM has been revised to Rs.100 effective 1st November, 2012

• English
• Hindi
• Kannada
• Malyalam
• Telugu
• Tamil
• Bengali
• Marathi
• Gujarati
• Punjabi
• Oriya
• Assamese
• Urdu
• Sindhi

MyRewards Program Terms & Conditions

1. Card member must accumulate a minimum of 500 points to be eligible for redemption of Reward Points in the MyRewards redemption program. Please browse the catalogue on website for easy choice of redemption.

2. Card accounts will be categorized for redemption on the basis of the type of HDFC Bank Credit Card.

3. If the Card member holds multiple HDFC bank Credit Cards, redemption requests cannot be made by pooling Rewards Points on different card accounts.

4. The Bank may at its discretion allow the Card member to use the FasTrac option. The Card member has the option to use the FasTrac option when redeeming the merchandise by paying the entire purchase value partly by points as indicated and balance by debit to the Credit Card account. The redemption must be done by sending the filled up redemption coupon to 'Rewards Helpdesk, HDFC Bank Cards Division, P.O. Box No.8654, Thiruvanmiyur, P.O., Chennai-600 041' or by dropping it in any of the HDFC Credit Cards drop boxes. Details of the FasTrac option will be published by the bank from time to time. The amount paid by debit to the Credit Card account will be treated as retail purchases attracting normal charges, and Reward Points, as applicable. The card account must have sufficient available credit limit to cover the purchase transaction as above under the FasTrac option. The amount debited to the card account will appear in the corresponding statement of account.

5. Rs 99 will be debited to the card account towards handling charges for all goods and services

6. Gift Vouchers (GV) may be applicable only in select cities and/or select stores, purely at the discretion of the concerned outlets. Before placing a redemption request, Card members are requested to check website for the valid outlet list displayed against Gift Vouchers. HDFC Bank will not be liable to replace redeemed GVs, if they are not accepted at city/stores falling outside the uploaded GV Outlets list

7. In case of redeeming Gift Vouchers, please use the vouchers within validity period mentioned on voucher. HDFC Bank will not be able or liable to seek extension from the Merchant.

8. HDFC Bank reserves the right to modify wholly or in part this program by any other program or terminate the program at any time without any prior notice to the Card members.

9. HDFC Bank also reserves the right to change and modify the terms and conditions at any point in time without prior notice to Card members.

10. HDFC Bank reserves the right to offer/ withdraw any special items for a special set of customers selected at its discretion. The bank also reserves the right to accept/ decline a customer's request at its discretion.

11. HDFC Bank Credit Cards computation of the Reward Points shall be final, conclusive and binding on Card members and is not liable to be disputed. Card member will be covered by all Terms and Conditions pertaining to the Rewards Points program mentioned in the Card Member agreement.

12. A card member cannot transfer any points to another person or another Credit Card account.

13. Reward points are valid only for 2 years from the date of accumulation. ex:- if you have received reward points in the month of May 2015, then same will expire in May 2017.

14. The points are redeemable only against products, vouchers or services as featured in the HDFC Bank Credit Card rewards under MyRewards redemption program.

15. Fulfilment of redemption requests against products/vouchers featured in the HDFC Bank Credit Card rewards catalogue are subject to availability of the goods and supplier warranties/restrictions at the time of the redemption.

16. HDFC Bank reserves the right to substitute products/ gift vouchers in case of non-availability of any item(s) on the current catalogue without any prior notice to the Card members.

17. HDFC Bank will send the redeemed items/Vouchers at the registered address of the cardholder as on the date of redemption. The cardholder shall be solely responsible for ensuring correctness of address & contact numbers registered with the bank and HDFC Bank cannot be held responsible for non-receipt of redeemed items/vouchers on account of wrong/incomplete address and contact numbers maintained with the Bank.

18. HDFC Bank will do an “address specific” (and not “consignee specific”) dispatch of redeemed items/Gift Vouchers. The cardholder shall be solely responsible for ensuring that concerned people at his home/office (as the case may be) are kept informed. HDFC Bank will not be responsible for non-receipt of redeemed items/vouchers on account of deliveries done to any other person at the registered address other than the cardholder.

19. In case of damage of items during transit OR wrong item sent OR difference in request & items received, please contact HDFC Bank at any of our Customer Call Centre Numbers or mail at customerservices.cards@hdfcbank.com within 7 days of receipt of gift item/voucher. HDFC Bank will not be able or liable to pick-up or replace the items, if query is raised beyond the 7 day period nor will it entertain any disputes from the customer after 7 days of receipt of the items redeemed.

20. HDFC Bank reserves the right to refuse acceptance of defective merchandise, if the merchandise/ Voucher is found to be tampered/ damaged by the customer.

21. HDFC Bank Credit Cards give no warranty (whether expressly or implied) whatsoever with respect to the product/services acquired under the program or through other partner loyalty programs.

22. Disputes if any arising out of the product or usage of the same needs to be taken up with the manufacturer of the product.

23. All descriptions and features mentioned by HDFC Bank as confirmed by the manufacturers on the date of listing on catalogue. HDFC Bank offers the products on a best effort basis & the Bank cannot be held liable for any dispute arising on product features or performance.

24. Colours & Features of final product are subject to change basis availability.

25. HDFC Bank will not be responsible for products or vouchers stolen, damaged or lost in transit before delivery to the card member.

26. During settlement of the redemption, if the reward points available, for the transaction, is deficient, than the points required for the transaction; The bank reserves the right to recover, through a debit to the card/account, the differential amount.

27. The Card member shall not claim compensation or refund for any loss arising due to the non-receipt / late delivery of items due to unavoidable circumstances.

28. Merchandise once ordered cannot be exchanged for some other merchandise within the Rewards Catalogue. Merchandise once ordered cannot be returned/ exchanged unless the merchandise is delivered defective.

29. Kindly allow 7 working days for Air Miles redemption and 10-15 working days for delivery of gift items/gift vouchers (excluding E-vouchers).

30. In case of Airmile redemption, all Terms & Conditions of the Frequent Flyer program of respective airlines will additionally apply. Cardholders are requested to check the Airline Frequent Flyer program T&Cs before redeeming points.

31. Reward points once converted to Airmiles cannot be reversed/cancelled.

32. Nothing contained herein shall be construed as HDFC Bank having waived any of its rights under the Card member agreement or prejudicing any rights of HDFC Bank there under.

33. This Reward catalogue is deemed to be final & current & this supersedes any previous communication from HDFC bank on MyRewards.

34. Disputes if any shall be subject to the exclusive jurisdiction of Chennai only.

Get rewarded with shopping points every time you use your HDFC credit and debit cards. Redeem your accumulated reward points for exciting gifts and vouchers. Here’s how you can redeem your reward points.

Redemption through Post

Step 1: Download "Rewards Redemption Form"

Step 2: Fill the form and mail it to the address mentioned on the form

Online redemption

Step 1: Login to HDFC Bank NetBanking and click on "Credit Cards" tab on top

Step 2: Register your credit card (one time activity). Within "Credit Cards" tab click on "Register New Card" placed on left hand side navigation bar. You will need your 4 digit Credit Card PIN to complete this registration process

Step 3: Post registration, click on "Redeem Reward Points" link on the left hand side navigation bar. Select your card, click on "Continue" to proceed to the online redemption portal

Step 4: Click on "Redeem Reward Points" in the homepage of "Online Redemption". Select "Points Range" and "Item Category" to view catalogue. Select items by adding to shopping cart

Step 5: Once you have selected all items you want to redeem, Click on "View Shopping Cart" link to view items selected for redemption. Quantity of items selected can be modified here by clicking on "Edit"

Step 6: Please read the "Terms & Conditions" and click on the check box confirming acceptance of same. Your registered address, Email ID and contact number will also be displayed. Please note that the redeemed items shall be delivered to the address displayed on this page. In case of any discrepancy, please DO NOT proceed with redemption and call our customer service for updation.

Step 7: Click on "Redeem" to confirm redemption request. Note down the redemption order number generated

Points + Pay (FasTrac Items)

Buy products you always wanted to own by paying partly through redemption of reward points + balance through your Credit Card.

This option is available on FasTrac items in Rewards Catalogue and can be availed only through the "Redemption Form" mode of redemption. The relevant "Pay" amount for the item selected on your credit card will be debited and will reflect in your card statement

For any queries related to rewards redemption process, please contact HDFC Bank Phone Banking.