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.
| Category | Merchant Category Codes (MCC) |
|---|---|
| Online Skill Based Gaming | 5816 |
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.
| Category | Merchant Category Codes (MCC) |
|---|---|
| Wallet | 6540 |
Utility Transactions:
- Consumer Cards: If you spend more than ₹50,000 per month on Utility, a 1% charge will apply.
- Business Cards: If you spend more than ₹75,000 per month on Utility, a 1% charge will apply.
- The charge will be applicable on the entire Utility spends for the month and will be capped at ₹4,999 per month.
- Insurance transactions won’t be considered as utility transactions hence no charge will be applicable.
| Category | Merchant Category Codes (MCC) |
|---|---|
| Utility | 4900 |
Charges Upper cap Revision:
- The maximum charge per transaction for Rent, Fuel and Education categories is now ₹4,999. Kindly note that the existing charge of 1% will continue to be applicable
- On all Rent Transactions
- Only on Fuel Transactions more than ₹15,000 / ₹30,000 per transaction
- Only on Education Transactions done via third-party apps. If you make payments through college/school websites or their POS machines, there will be no charges.
Insurance Transactions:
- Insurance transactions will earn Reward Points but capped at per month as per the table below.
| Product | Capping (Rps per month) |
|---|---|
| Infinia, Infinia Metal | 10,000 |
| Diners Black, Diners Black Metal, Biz Black Metal | 5,000 |
| Rest of the cards | 2,000 |
Please note: For Millennia, UPI, BIZ UPI, Swiggy, BIZ First, Paytm, Paytm Business, Easy EMI Millennia, Best Price Save Smart and Bharat credit cards, the capping as per product feature will continue to be applicable.
Marriot Bonvoy cards will have no reward points capping on Insurance transactions.
| Category | Merchant Category Codes (MCC) |
|---|---|
| Insurance | 1411, 1235, 5960, 6300, 6381 |
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