Starting July 1, 2025, HDFC Bank is implementing new terms and conditions across several of its credit card services. From utility payments to online gaming spends, these changes affect how much you pay and how many reward points you earn.
We’ve broken down the fine print so you can stay informed and avoid unexpected charges.
HDFC Credit Card Terms Changing from July 1: Charges, Points & More
1. Online gaming spending now attracts a fee.
Before: No charges
Now: 1% fee on skill-based gaming transactions exceeding ₹10,000/month
· Applies to platforms like Dream11, MPL, RummyCulture
· Cap: ₹4,999 per month
· No reward points on these spends
2. Wallet Loading Charges Introduced
Before: No charges
Now: 1% fee on wallet loads above ₹10,000/month
· Applies to wallets like PayTM, Mobikwik (excluding PayZapp)
· Cap: ₹4,999/month
· No reward points on wallet transactions
3. Higher Cap on Utility Bill Payment Fees
Consumer Cards:
- 1% fee on payments exceeding ₹50,000/month
Business Cards:
- 1% fee on payments over ₹75,000/month
The cap increased from ₹3,000 to ₹4,999 per month
Insurance payments excluded
4. Rent Payment Fee Cap Increased
The fee remains at 1%, but the maximum per transaction has increased:
· Old cap: ₹3,000
· New cap: ₹4,999
5. Fuel Transaction Fees Updated
A 1% fee applies on high-value fuel spends:
· Over ₹15,000 for consumer cards
· Over ₹30,000 for business cards
New cap: ₹4,999 per transaction (up from ₹3,000)
6. Education Payment Fee Cap Raised
1% fee still applies on education payments via third-party apps
· New cap: ₹4,999 per transaction
· Direct payments to schools/colleges: No fee
7. Monthly Caps on Insurance Reward Points
Reward point accrual for insurance transactions now follows monthly (not daily) limits:
|
Card Type |
Previous Limit |
New Limit |
|
Infinia / Infinia Metal |
5,000 pts/day |
10,000 pts/month |
|
Diners Black / Biz Black Metal |
5,000 pts/day |
5,000 pts/month |
|
All Other Cards |
2,000 pts/day |
2,000 pts/month |
No changes for:
· Millennia
· UPI
· Paytm / Paytm Business
· Swiggy
· Easy EMI Millennia
· Bharat Credit Cards
Unlimited points continue for the Marriott Bonvoy HDFC Credit Card
What Does This Mean for You?
· If you frequently pay rent, top up wallets, or spend on utilities, review your monthly expenses.
· These changes could increase your monthly charges if you exceed the new thresholds.
· For savvy users, consolidating insurance payments can help you make the most of revised reward point caps.
Stay Updated
Credit card terms evolve, and staying informed helps you save more and spend smarter. Check the official HDFC Bank page for detailed terms. Terms associated with credit cards are always subject to change.
FAQs about the Latest HDFC Bank Credit Card Updates
Q1. Will I still earn points on wallet loads?
No. Wallet loads above ₹10,000/month now attract a 1% fee and are not eligible for reward points.
Q2. Do these changes affect EMI transactions?
Only if they involve wallet loads, gaming platforms, or third-party education payments. Regular EMI purchases remain unaffected.
Q3. Is there any change in international spending charges?
No. These updates primarily affect domestic spending on specific categories.
Q4. Which cards have unlimited insurance points?
The only credit card that permits limitless reward points collection on insurance transactions is the Marriott Bonvoy HDFC Credit Card.
Read: What Your Bank Is Looking For When Reviewing Your Credit Card Application
HussaiN is a full-time professional blogger from India. He is passionate about content writing, tech enthusiasts, and computer technologies. Apart from content writing on the internet, he likes reading various tech magazines and several other blogs on the internet. Email ID: arrowtricks.pvt@gmail.com
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