HDFC Bank Gold Credit Card | Eligibility | Features and Benefits | Apply

HDFC Bank Gold Credit Card: It’s overloaded with travel benefits – discounts, cashback offers, air miles redemption. Get an HDFC Bank International Gold Card and get introduced to a whole new world of privileges.

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Annual Income

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HDFC Bank Gold Credit Card Features & Benefits

Attractive Reward Points*
Earn 1 reward point per Rs 150 spent on the Gold Credit Card.

Rewards point’s redemption – After earning all those reward points on your HDFC Bank Gold Credit Card, redeem them for exciting gifts and services! You could even convert them to airline miles with India’s leading airlines through the My Rewards programme.

Worldwide acceptance – Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant Establishments in India.

Revolving credit facility – Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 3.25% per month (39.0% annually).

Free Add-on card – You can share these wonderful features with your loved ones too – we offer the facility of an add-on card for your spouse, children or parents. Allow us to offer add-on cards to you FREE OF COST with our compliments.

Interest free credit facility – Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).

Eligibility Criteria:

Minimum Age

Maximum Age




Self Employed



HDFC Bank Gold Credit Cards Fees and Charges:

The schedule of charges for HDFC Bank International Gold Credit Card is as follows:


Description of Charges

Gold Credit Card

Interest Free Period

Upto 50 days

Minimum Repayment Amount

5%, Minimum Rs 200

Cash Advance Limit

10% of credit limit

Annual Fee

Rs. 2000

Additional Card fee

Free for Life

Charges On revolving Credit

3.25% P.M., 39.0% Annually – from Transaction date

Cash Advance Charges

2.5% of amount withdrawn or Rs 300 whichever is higher

Late Payment Charges

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.

Charges on overlimit account

2.5% of over limit amount subject to a minimum of Rs 500

Payment return Charges

2% of payment amount subject to minimum of Rs. 300

Cash processing fee

With effect from 1 May 2007, cash processing fee of Rs 50 per payment is payable on cash deposits at HDFC Bank branches/ATMs.
Card accounts levied with Late Payment Charges in the latest generated statement will be exempted from the cash processing fee.

Balance Transfer / Balance Transfer on EMI Processing Charges

2.0% of BT / BT on EMI amount or Rs. 200,whichever is higher.( Max. Rs. 600/-)

Petrol Transaction Charge

2.5% (subject to a minimum of Rs 10)

Railway Ticket Purchase Fee

Rs 30 + 2.5% of transaction amount

Reissue of Lost, Stolen or Damaged Card

Rs. 100

Outstation Cheque Processing Charge

Rs. 50

Retrieval Fees ( Chargeslip)

Rs. 125 per Chargeslip

Foreign Currency Transactions

Bank Charges Cross currency mark-up of 3.5%

Service Tax

Applicable on all fees, interest and other charges

Repayments Options:

Repayment options for an HDFC Bank International Gold Credit Card are as follows:

  1. Cheque Drop-box facility (at HDFC Bank ATMs and other locations)
  2. Standing instructions (on your HDFC Bank Savings / Current account)
  3. Over the counter – at any HDFC Bank branch
  4. Through NetBanking
  5. Through ATMs – funds transfer facility

Other Available Products of HDFC Bank:

  1. HDFC Bank Personal Loan
  2. HDFC Bank Car Loan
  3. HDFC Bank Credit Card

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