HDFC Bank has announced revisions in the charges applicable on certain transactions like online skill-based gaming, wallet loading, utility bill payments, rent, fuel, education, and insurance. While these are often excluded from the rewards or cashback program, from 1st July 2025, a 1% transaction charge will be imposed on these spends exceeding a specified threshold, making such transactions costlier for consumers.
If you are an existing HDFC credit cardholder, it is essential to be aware of these revisions so that you can plan your card usage in a better way and avoid unexpected penalties. In addition to some limited card-specific updates, most of these apply to all HDFC credit cards. Read on for details.
1% Transaction Charge on Selected Transactions
| Transaction Type | Spend Limit (beyond which 1% charge is applicable) | Capping on Transaction Charge |
| Online Skill-based Gaming | Rs. 10,000 per month | Rs. 4,999 per month |
| Wallet Loading | Rs. 10,000 per month | Rs. 4,999 per month |
| Utility Bill Payments | Rs. 50,000 per month | Rs. 4,999 per month |
Changes in Transaction Charges Capping
The existing 1% transaction charge on rent, fuel (on spends more than Rs. 15,000), and education payments (via third party apps) will remain applicable. However, the maximum charge per month will be capped at Rs. 4,999 across each category.
Changes in Rewards Program
- Online skill-based gaming transactions will be restricted from cashback or rewards earning.
- While insurance transaction will earn rewards, there will be monthly capping on reward points earning as follows:
| HDFC Infinia | 10,000 |
| Diners Black, Diners Black Metal, Biz Black Metal | 5,000 |
| Other Cards | 2,000 |
Here, the capping as per card’s feature will be applicable on HDFC Millennia, HDFC UPI RuPay, HDFC BIZ UPI, Swiggy HDFC, HDFC BIZ First, Paytm HDFC Cards, Paytm Business Card, Easy EMI Millennia, HDFC Best Price Save Smart and HDFC Bharat credit cards. No such capping is applicable to HDFC Marriott Bonvoy credit card.
For more detailed terms and conditions, click here.
