You can conduct various offline and online Credit Card transactions. Consider these Credit Card usage etiquettes to enjoy uninterrupted benefits with your HDFC Bank Credit Card.

– What To Do:

Explore Your Options

Consider the diverse range of Credit Cards offered by HDFC Bank, designed to meet distinct needs. Whether you’re in search of a shopping-oriented Credit Card or one that rewards your airline expenditures, our bouquet of offerings has something for everyone. Assess your eligibility and select the Credit Card that aligns with your preferences.

Assess Terms and Conditions

You must check the vital terms and conditions concerning credit limits, interest rates, cash withdrawals, fees and charges, waivers, discounts, Credit Card offers, etc., when you apply for a Credit Cards online.

Repay Dues on Time

Repaying your dues in full proves incredibly beneficial as it showcases your creditworthiness to the bank over a specific period of time. Also, you do not have to pay interest if you repay your total outstanding dues on time.

Leverage Credit Limit Enhancement

HDFC Bank will inform you if you qualify for credit limit enhancements. An enhanced credit limit gives you freedom to buy more and earn more reward points so use it to your advantage.

Know About Billing and Payment Dates

The billing date is when the bank sends you an itemised bill comprising your Credit Card spends during the last billing cycle and the payment date is the date on or before which you must clear your dues. Ensure you keep track of these dates to avoid late payment charges.

Monitor your Expenses

Stay on top of your Credit Card expenses regularly to thwart potential fraudulent transactions. Opt for SMS and email alerts after each Credit Card transaction to keep a real-time tab on your spends. In the case of suspicious activity, notify the bank and take immediate action to block your card.

– What Not to Do: 

Don’t Over-Utilise the Entire Credit Limit​​​​​​​

​​​​​​​Utilising only a part of your card’s credit limit may be the right way to go. Over-utilisation of the credit limit may impact your credit score, burden you with a huge debt, and makes repayment difficult.

Don’t Apply for Too Many Credit Cards

While it may seem wise to to have more than one Credit Card and by extension an additional credit limit, especially during emergencies, applying for multiple Credit Cards may not be not prudent. Doing so may make you appear credit hungry or a imply risk-taking tendencies. 

Don’t Pay Just the Minimum Amount Due​​​​​​​​​​​​​​

​​​​​​​​​​​​​Paying only the minimum amount due on your Credit Card is not recommended. By choosing this option, you would typically carry forward the remaining amount to the next cycle, incurring an interest rate on the delayed payment, and increasing your outstanding Credit Card debt.

Don’t use it for prohibited / restricted transactions

Usage of the HDFC Bank International Credit Card(s) shall be strictly in accordance with exchange control regulations, law of the land or of the Regulatory authorities as applicable from time to time.

Do not use the card for transactions involving Forex trading, lottery, betting, gambling, dating, Bitcoins, Virtual currency & any other prohibited transactions as directed in Foreign Exchange Management Act, 1999.