CREDIT CARD DETAIL HDFC Idea Silver Credit Card Card Highlights Card Class Standard Card Type Co Branded Issuer HDFC Bank Offered Type Visa Rewards Main Features Train and airline booking Repaying loyalty with interest. Cash at your fingertips. Privilege pricing on loans . Loan Discount Offered. Protecting you through insurance . Value Added Services (VAS). Usage Bonus-You get 1% of your the annual cumulative Idea bill amount as a bonus! Just like that. Free Talk Time - Enjoy free talk time worth Rs.125 after you pay your first Idea post paid bill through this card. Mobile Insurance-free mobile handset insurance worth Rs.10, 000.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 2.95% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 1 month Interest Rate 1.65% per month Min.: Rs 100 per month (Idea International Silver Credit Card and you will pay interest at the rate of only 1.65% per month. For existing customers of HDFC Bank, we offer a special rate of 1.45% per month for 6 months.}  Fees & charges   Fees & charges Joining Fee Communicated at the time of applying. Annual Fee Communicated at the time of applying. Add On Card Fee Get up to 3 supplementary cards for your spouse, parents, siblings (own brother/sister), son and/or daughter (over 18 years). Cash Advance Limit 40% of credit limit Cash Advance Transaction Fee 2.5% on amount withdrawn or Rs 100 from HDFC ATM or Rs200 from other ATMs Whichever is higher Penalty Interest Rate 2.95% p.m. 35.4% annually - from transaction date Late Payment 25% of minimum amount due subject to minimum of Rs. 250 and maximum of Rs. 500 Free Credit Period Max.: 55 days Minimum Amount Due 5% subject to a minimum Rs. 200 Limited Lost Card Liability Rs 100 Over Limit Charges 2.5% of overlimit amount subject to minimum of Rs. 250 Outstation Cheque Processing Fee Rs 100 Replacement Card Charges Rs 100 Charge Slip Request Rs. 125 per Chargeslip Railway Booking Surcharge 2.5% Air/Railway Booking Comment Railway Ticket Purchase Fee Rs. 30 + 2.5% of transaction amount Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges Markup Currency transaction 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits You earn upto 5 reward points for every Rs.100 you spend on your card, 5 reward points for every Rs 100 you spend on your Idea bill payment, and 3 reward points on every Rs 100 you spend on petrol, groceries or supermarket spends. You also earn 1 reward point on all other spends. These points can then be redeemed it against Idea talk time or exciting range of products and brands.  Airline   Airline: International Air ticket Discount 5.5 % Domestic Air ticket Discount 3.5 %  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No 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 No No. of ATMs (Global) 18 million VISA accepting establishments No. of ATMs (India) 110,000 merchant establishments Insurance: Hospitalization Benefits Yes  Eligibility Criteria   Eligibility Criteria Annual Income (Rs.) Govt./ Public Ltd./ MNC 84000 Annual Income (Rs.) Private/ Partnership/ Proprietory 96000  Terms & Conditions   Terms & 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 Personal loan: Lender of the last resort Fixed or floating interest rate home loan:... Complete Guide to the Home Loan Process in... Regular fixed deposits in India: Great way... Reverse Mortgage in India: Your property...