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| 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
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New and revised fees for specific transaction types
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Updated capping on insurance transaction rewards
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Merchant Category Codes (MCCs) specified for transparency
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All fees subject to GST as per regulations
Transaction Categories & Merchant Codes
| Transaction Type | Merchant Category Code (MCC) |
|---|---|
| Online Skill-Based Gaming | 5816 |
| Wallet Loading | 6540 |
| Utility Payments | 4900 |
| Insurance | 1411, 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
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Fee: 1% on total monthly spends exceeding ₹10,000
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Cap: Maximum fee of ₹4,999 per transaction
2. Wallet Loading (excluding PayZapp)
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Fee: 1% on monthly spends above ₹10,000
3. Utility Transactions
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No specific fee or cap mentioned in the latest update, but categorized under MCC 4900.
4. Insurance Transactions
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Reward Points Cap (per month):
| Card Type | Monthly Cap (₹) |
|---|---|
| Infinia, Infinia Metal | 10,000 |
| Diners Black, Diners Black Metal, Biz Black Metal | 5,000 |
| All Other Cards | 2,000 |
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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 Type | Charge |
|---|---|
| SMS Alerts | ₹0.20 + GST per SMS |
| Email Alerts | Free |
You can modify or unsubscribe from SMS alerts via NetBanking or the mobile app.
Additional Notes
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All revised fees are subject to GST as per government norms.
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For detailed terms, refer to the bank's MITC (Most Important Terms & Conditions).
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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.