HDFC Idea Silver Credit Card : HDFC Bank : Rupee Times

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

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

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Cash Advance Transaction Fee	2.5% on amount withdrawn or Rs 100 from HDFC ATM or Rs200 from other ATMs Whichever is higher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


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

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

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

Dhanlaxmi Bank

HDFC Bank

HSBC Bank

ICICI Bank

Indian Bank

Indian Overseas Bank

IndusInd Bank

Jammu & Kashmir Bank

Kotak Mahindra Bank

Punjab National Bank

Reliance Capital Ltd.

Royal Bank of Scotland

Standard Chartered Bank

State Bank of India

Syndicate Bank

Union Bank of India

United Bank of India

Vijaya Bank

COMPARE QUICKLY

Select a product:

CALCULATE QUICKLY

Select a product:

EDITORS' PICKS
	Pay income tax through ATM
	Fixed or floating interest rate home loan:...
	Petro Cards 101: A detailed guide
	Collateral and co-applicant requirements...
	Bank of Maharashtra reduces home loan rates