CREDIT CARD DETAIL HDFC Bank Value Plus Credit Card Card Highlights Card Class Standard Card Type Cash Back Issuer HDFC Bank Offered Type Visa Rewards Main Features Value Plus Cashback- Anytime Anywhere - 5% cashback on all retail spends. Worldwide acceptance Cash Advance Revolving credit facility Interest Free Credit Period Balance Transfer Option Lost Card Liability  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 0 month Interest Rate 0% per month Min.: Rs 100 per month (Balance Transfer on EMI processing Charges is 1.5% of BT amount or Rs 150/- whichever is higher}  Fees & charges   Fees & charges Joining Fee Rs 300 Annual Fee Rs 700 Add On Card Fee Free for Life Cash Advance Limit 30% of credit limit Finance charges on cash advances /extended credit 2.5% of amount withdrawn or Rs 300 whichever is higher Late Payment Nil for Credit card bills upto Rs.100, Rs.100 for credit card bills between Rs.100 and Rs.500, Rs.350 for credit card bills between Rs.501 and Rs.10000, Rs.500 for credit card bills between Rs.10001 and Rs.20000 and Rs.600 for credit card bills above Rs.20000. Free Credit Period Min.: 20 days Max.: 50 days Minimum Amount Due 5%, Minimum Rs 200 Limited Lost Card Liability After reporting at 24-hour call centre zero liability on any fraudulent transactions on your card. Over Limit Charges 2.5% of overlimit amount subject to a minimum of Rs 500 Cheque Bounce Fee 2% of payment amount subject to minimum of Rs. 300 Return of Cheque Fee 2% of payment amount subject to minimum of Rs. 300 Outstation Cheque Processing Fee Rs 100 Replacement Card Charges Rs 100 Charge Slip Request Rs 125 per Chargeslip Air/Railway Booking Comment Rs 30 + 2.5% of transaction amount Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits  Cash Back   Cash Back: Description Use your Value Plus Credit Card anywhere anytime during the year and avail up to 5% cashback on all retail spends. Railway, Hospitals, Medical stores 5% Grocery, Dept Stores, Supermarket, Restaurants 1.50% All other retail spends 0.50% *The cashback will be credited to your card account in subsequent statement subject to the condition that the total amount due in the current statement is Rs 7500 or above. The change is effective from 1st sep 2007.  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 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 No Global Emergency Assistance Service Yes No. of ATMs (Global) 23 million Merchant Establishments No. of ATMs (India) 110,000 Merchant Establishments  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 ICICI Bank reassures customers of their... Carnival of Indian Personal Finance Blogs #6 Collateral and co-applicant requirements... Bank loans that could glitter for you Man caught for committing bank fraud