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CREDIT CARD DETAIL HDFC Women's Gold Credit Card Card Highlights Card Class Standard Card Type Woman Card Issuer HDFC Bank Offered Type Visa Rewards Woman Main Features 5% cash back on your Monthly household purchases 5% cash back on mobile bill payments through smartpay Accelerated rewards program Wide choice of redemption Worldwide acceptance  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 1.5% of BT amount or Rs 150/- whichever is higher}  Fees & charges   Fees & charges Joining Fee Rs 500 Annual Fee Rs 2000 Add On Card Fee Free for Life Cash Advance Limit 40% of credit limit Cash Advance Transaction Fee 2.5% of amount withdrawn or Rs 300 whichever is higher Finance charges on cash advances /extended credit 2.5% of amount withdrawn or Rs 300 whichever is higher Penalty Interest Rate 2.95% P.M., 35.4% Annually; - from Transaction date w.e.f 25th May'08 Late Payment Nil for Credit card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. w.e.f 3rd Mar'08 Free Credit Period Min.: 20 days Max.: 52 days Minimum Amount Due 5%, Minimum Rs 200 Over Limit Charges 2.5% of over limit amount subject to a minimum of Rs 500 Cheque Bounce Fee 2% Min.: 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 Emergency Replacement(when overseas) 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 Get 5 reward points for every Rs.100 spent above Rs.5,000 in a month. For spends upto Rs 5000 in a month you get 2 reward points per Rs 100 spent. For more info. Click Here  Airline   Airline: Airline Travel Benefits You can also redeem your accumulated reward points for air miles on leading airlines like Jet Airways, Indian, Kingfisher Airlines and Air Sahara.  Cash Back   Cash Back: Description 5% cash back on your Monthly household purchases Get a whopping 5% cash back on all grocery/supermarket & select departmental store purchases on your woman's card. Here's more good news - there is no upper limit on this cash back! It functions as the ideal household credit card. 5% cash back on mobile bill payments through smartpay Pay your monthly mobile bills through HDFC Bank's "Smartpay" facility on your card, and get 5% of your bill as cash back.  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 Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 23 million merchant establishments No. of ATMs (India) 110,000 merchant establishments Insurance: Hospitalization Benefits No  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   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Claim tax deduction on education loan Importance of reviewing your credit report Hit by the slowdown? Manage your Credit Card! A chronicle of excesses by loan recovery... New Vs. Used Car loan in India: Benefits...