Visa Signature Credit Card

• • Unredeemed CashPoints will expire/ lapse after 2 years of accumulation.
• • Redemption fee: ₹99

Joining fee

First-year fee free on spending ₹ 15,000 within the first 90 days

Annual / renewal fee

₹0

Annual fee waiver

Renewal fee waiver on spending ₹ 75,000 in a year.

Interest rate

3.75% p.m. (45.00% p.a.)

Interest-free period

50 days

Cash advance fee

Cash advance fee: 2.5%, with a minimum of ₹ 500, applicable on all cash withdrawals.

Overlimit fee

2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).

Payment dishonour

2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.

Forex markup

3.5% on all foreign currency transactions

DCC markup

3.50%

Reward redemption

₹99 per redemption

Card management via HDFC Bank App.

• Is the Visa Signature Credit Card free?
• What are the benefits of a Visa Signature Credit Card?
• What is a Visa Signature Credit Card?
• How to apply for a Visa Signature Credit Card?