New charges HDFC Cards

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Dear Customer,

We’re writing to inform you about important changes to your xx3769 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.​

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Key Updates on Charges:
1. Online skill-based Gaming Transactions:​

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• 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.

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[td] Category[/td][td] Merchant Category Codes (MCC) [/td] [td] Online Skill Based Gaming[/td][td] 5816[/td]

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2. Wallet Loading Transactions:​

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• 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.

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[td width="80px"] Category[/td][td] Merchant Category Codes (MCC) [/td] [td width="80px"] Wallet[/td][td] 6540[/td]

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3. Utility Transactions:​

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• If you spend more than ₹50000 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.

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[td width="90px"] Category[/td][td] Merchant Category Codes (MCC) [/td] [td width="90px"] Utility[/td][td] 4900[/td]

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4. Charges Upper cap Revision:​

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• 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

1. On all Rent Transactions
2. Only on Fuel Transactions more than ₹15000 per transaction
3. 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.

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5. Insurance Transactions:​

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• Insurance transactions will earn Reward Points but capped at 5000 points per month.

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[td width="79px"] Category[/td][td] Merchant Category Codes (MCC) [/td] [td width="79px"] Insurance[/td] [td] 1411, 1235, 5960, 6300, 6381[/td]

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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 <link>

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

Thank You for Choosing HDFC Bank!​

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Warm Regards,
HDFC Bank​

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