Subject: Important Update: Revisions to Your HDFC Bank Credit Card Charges (Effective July 1, 2025)

Dear Customer,

We’re writing to inform you about important changes to your HDFC Bank Credit Card charges, effective July 1, 2025.
At HDFC Bank, we are committed to providing you with secure and seamless banking services. These updates ensure that we continue offering the best financial solutions while keeping transactions transparent and safe.

Key Updates on Charges:

Online skill-based Gaming Transactions:

• If you spend more than ₹10,000 per month on platforms like (but not limited to) Dream11, Rummy Culture, Junglee Games, or MPL, a 1% charge will apply.
• The charge will be applicable on the entire online skill-based gaming spends for the month and will be capped at ₹4,999 per month.
• No Reward Points will be earned on Online Skill-Based Gaming transactions.

Wallet Loading Transactions:

• If you load third-party wallets with more than Rs 10,000 per month on platforms like (but not limited to) PayTM, Mobikwik, Freecharge, or Ola Money using your credit card, a 1% charge will apply.
• The charge will be applicable on the entire wallet loading spends for the month and will be capped at ₹4,999 per month.

Charges Upper cap Revision:

• The maximum charge per transaction for Rent category is now ₹4,999.
• Kindly note that the existing charge of 1% will continue to be applicable on all Rent Transactions

All fees are subject to GST as per government regulations.

The Merchant Category Codes are established by networks such as Visa, MasterCard, Rupay, and Diners. HDFC Bank does not define these merchant categories.

For more details, kindly refer to MITC

If you have any questions or need further information, please contact our customer service team or visit your nearest HDFC Bank branch.

Thank You for Choosing HDFC Bank! 

Warm regards,
HDFC Bank