Review - HDFC Bank International Gold Card

Highlights:
Class - Shopping
Rating - Gold
Photo Option - No
Signature Option - Yes
Domestic/International - International

Insurance:
Air Accident - 2500000 Other Accident - 300000
Household Insurance - 75000 Purchase Protection - 50000 180 Days
Hospitalization Benefits - 50000

Card Advantage:
Cash Advance 40% of Credit Limit. Balance Transfer 1.25 for 6 months.
Reward Points 2/100/1000 points redeem.
Revolving Credit 2.95 Credit Period Renewal Outstanding / Late Payment Fees 2.75

Requirements:
Annual income of Rs200,000 plus

Fees: (This maybe waievd off for the first year or for life time depending on the customer)
Joining Fees - Rs500
Annual Fee - Rs2000

Kindly contact the bank or its authorized associates before applying for the same.

HDFC Credit Card in India

Hello,

Welcome to HDFC Credit Card Rants ;-). Though a very conservative financial institution with focus on customer satisfaction, still their are always sweet and bitter experiences. Unlike ICICI, HDFC doesn't offer a whole range of credit cards as the industry is still not regulated and interest rates are as high as 36% on these cards as they are termed as unsecured loans. Where is the credit bureau to verify consumer credit history ? Patience! We have jsut started our reforms a decade ago, we now have Corporates and SMEs under credit bureau. It will take some more time to cover individuals.

Thanks.
CardBhai