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HDFC Bank Credit Card Update: 1% Fee on Real Money Gaming & Other Revised Charges Effective July 2025

By Admin

HDFC Bank Credit Card Charges


HDFC Bank Credit Card Charges Update: Effective July 1, 2025 

HDFC Bank has announced important revisions to its credit card charges, effective July 1, 2025. These changes impact several transaction categories, including online gaming, wallet loading, utilities, and insurance payments. Below is a concise overview of the updated codes and charges, presented for easy reference.

Key Changes at a Glance

  • New and revised fees for specific transaction types

  • Updated capping on insurance transaction rewards

  • Merchant Category Codes (MCCs) specified for transparency

  • All fees subject to GST as per regulations

Transaction Categories & Merchant Codes

Transaction TypeMerchant Category Code (MCC)
Online Skill-Based Gaming5816
Wallet Loading6540
Utility Payments4900
Insurance1411, 1235, 5960, 6300, 6381

Note: MCCs are determined by card networks (Visa, MasterCard, Rupay, Diners), not by HDFC Bank.

Charges & Reward Caps

1. Online Skill-Based Gaming

  • Fee: 1% on total monthly spends exceeding ₹10,000

  • Cap: Maximum fee of ₹4,999 per transaction

2. Wallet Loading (excluding PayZapp)

  • Fee: 1% on monthly spends above ₹10,000

3. Utility Transactions

  • No specific fee or cap mentioned in the latest update, but categorized under MCC 4900.

4. Insurance Transactions

  • Reward Points Cap (per month):

Card TypeMonthly Cap (₹)
Infinia, Infinia Metal10,000
Diners Black, Diners Black Metal, Biz Black Metal5,000
All Other Cards2,000

  • Special Note: For Millennia, UPI, BIZ UPI, Swiggy, BIZ First, Paytm, Paytm Business, Easy EMI Millennia, Best Price Save Smart, and Bharat credit cards, the cap remains as per the product's feature. Marriott Bonvoy cards have no cap on insurance transaction reward points.

SMS & Email Alert Charges

Service TypeCharge
SMS Alerts₹0.20 + GST per SMS
Email AlertsFree

You can modify or unsubscribe from SMS alerts via NetBanking or the mobile app.

Additional Notes

  • All revised fees are subject to GST as per government norms.

  • For detailed terms, refer to the bank's MITC (Most Important Terms & Conditions).

  • For queries, contact HDFC Bank customer service or visit your nearest branch.

Summary:
These changes reflect HDFC Bank’s commitment to transparency and secure banking. Customers should review their card usage and be mindful of the new caps and charges, especially for gaming, wallet loading, and insurance transactions. For a seamless experience, stay updated with the latest fee structures and manage your alert preferences to avoid surprises on your statement.

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