CREDIT CARD DETAIL HDFC Bank Gold Business Credit Card Card Highlights Card Class Gold Card Type Business Issuer HDFC Bank Offered Type MasterCard Rewards Main Features Higher Credit Limits Spend Based Interest Rates Petro Surcharge Waiver Earn rewards with your Card Save on Business spends Business Insurance upto 2 lac. Travel Insurance Covers Cash at your fingertips  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 1 month Interest Rate 2.95% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month  Fees & charges   Fees & charges Joining Fee Communicated at the time of applying Annual Fee Communicated at the time of applying for card Credit Limit Get Up to 10 lacs as credit limit on the card basis the company / business financials. Cash Advance Limit Withdraw cash upto 40% of your credit limit at a very nominal charge. Cash Advance Transaction Fee Withdraw cash upto 40% of your credit limit at a very nominal charge. Penalty Interest Rate Offers you a unique benefit of spend based interest rates. i.e. The more you spend on the card in a month the less interest you accrue. The interest rates are 2.95% for spends upto Rs.10,000 in a month and 2.75% for spends more than Rs.10,000 on incremental spends. w.e.f 25th May'08 Free Credit Period Max.: 45 days Over Limit Charges 2.5% of the over limit amount subject to minimum of Rs.500. Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits You will earn 1 Rewards Point for every Rs.200 spent on your Card. By accumulating these, you can redeem them into airmiles, gift cards and host of exciting gifts and offers. For more info. Click Here  Airline   Airline: Airline Travel Benefits Comprehensive travel covers covering loss of baggage, loss of air ticket, delayed flight, late baggage arrival and loss of passport.  Health   Health: Hospitalization Benefits Yes Description (Hospitalization Benefits) 50,000  Services & Features   Services & Features General Features: Photo Option No Add On Card No Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility No Rewards Programme Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 23 million Merchant Establishments No. of ATMs (India) 110,000 Merchant Establishments Insurance: Air Accident 1000000 Other Accident Rail / Road Accident Cover - 300000 Purchase Protection 50,000 Hospitalization Benefits Yes  Special Offers   Special Offers Offers and Deals  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Getting the best rates on your personal... Home Loan Agreement: An important aspect... TIPS FOR ASPIRING CAR BUYERS AND OWNERS 12 point conduct checklist for bank and... The ABN AMRO One Card