HDFC Bank Credit Card: If you use HDFC Bank’s credit card, then there is big news for you. New charges and reward point rules are going to be applicable on HDFC credit card users on the use of cards.
These changes will come into effect from July 1, 2025. The new rules will affect online gaming, wallet loading, utility bills, rent, fuel and education payments. Let us know how much charge will be levied on which transactions and how to get reward points.
1. Charges on online skill-based gaming
If you spend more than Rs 10,000 per month on platforms like Dream11, MPL, Rummy Culture, Junglee Games, the bank will charge 1%.
Maximum charge: Rs 4,999
Reward Points: No reward points will be given on gaming.
2. Charges on wallet loading
If you load more than Rs 10,000 in a month using your credit card into a third party wallet like PayTM, Mobikwik, Freecharge or Ola Money, a charge of 1% will be levied.
Maximum charge : Rs 4,999 per month
3. Extra charges on utility bills
If you spend more than Rs 50,000 (consumer card) or Rs 75,000 (business card) in a month using your credit card, then 1% charge will be levied on the utility bill. This charge will also be limited to Rs 4,999.
There will be no charges on insurance payment.
4. Changes on rent, fuel and education transactions
The 1% charge on rent payments will continue as before and will be a maximum of Rs 4,999. A 1% charge will be levied on fuel transactions only when the expense goes above Rs 15,000 or Rs 30,000. A 1% charge on education fees will be levied only when payments are made through third-party apps. There will be no charge on payments made through the school or college website or POS machine.
5. Reward point cap on insurance transactions
Reward points will now be available on insurance transactions, but with a limit. The earlier reward capping will remain applicable on cards like Millennia, UPI, Swiggy, Paytm and Bharat. There will be no limit on reward points on insurance payments on Marriott Bonvoy card. HDFC card customers should plan their expenses before July 1 and use the card keeping these changes in mind. This will help you avoid additional charges and make the most of your reward points.
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