Snapdeal HDFC Bank

Snapdeal HDFC Bank

Enjoy CashBack on everyday spends only with Snapdeal HDFC Bank Credit Card

• Looking for a Snapdeal HDFC Bank Credit Card?
• Make the most of your Credit Card

Features

• 2 Reward Points per Rs. 150 spent on all purchases
• Exciting Welcome Benefit : Snapdeal Vouchers worth Rs. 2000

Know more Apply Online

Benefits

• Flat 5% Instant Discount when you shop @ Snapdeal
• Earn 10X Reward Points when you shop @ Snapdeal and purchases through SmartBUY
• Do minimum 4 transactions using Credit card every month and get
  
  • Free Accidental Death Insurance upto 50Lakhs*
  • Free Fire and Burglary protection for goods above Rs.5000 for 180 days
  Conditions Apply : Click here

Do more

• Buy a wide range of products and services with your HDFC Bank Credit Card and pay in Easy EMIs
• Redeem your accumulated reward points from the wide array of offers. Click here to see our MyRewards Catalogue.

features of my Snapdeal HDFC Bank Credit Card?

You will get some exclusive features and benefits with your Snapdeal HDFC Bank Credit Card

Features

• Welcome Benefit
  
  • Earn 500 Reward Points*
  • Get Snapdeal Vouchers worth Rs. 2000 as Welcome Benefit within 30 days of card set up *
  
  * Welcome benefit of Snapdeal Vouchers worth Rs. 2000 is applicable only on cards setup W.e.f 1st May'18.
  
  #500 Reward Point is applicable only on payment of Joining Fees and would be credited post fee realization
  # Click here for T&Cs on the Welcome Cash Back Offer.

• Snapdeal HDFC Bank Card Rewards*
  Enjoy Spending on your Snapdeal HDFC Bank Credit Card with 2 Reward Points for every Rs. 150
  
  Redeem your Reward Points at the applicable redemption rate against snapdeal vouchers.
  
  Note:
  
  Effective 1st July'2017,
  a. EasyEMI and e-wallet loading transactions will not accrue Reward points.
  b. Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
  c. Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.
  Only retail purchases qualify for Reward Points. Cash advance, fees, Fuel transactions and other charges do not accrue any reward points. Transaction amounts less than Rs. 150 will not accrue any Reward Points. Please note payment of at least Minimum Amount Due is required even if you are redeeming your Reward Points against outstanding on your Card Account.
  *T&C
• Spends on Snapdeal
  Your Snapdeal HDFC bank Credit Card gives you more reasons to spend online on www.snapdeal.com.
  • Earn 10X Reward Points, i.e., 20 Reward Points / Rs. 150 for spends made on www.snapdeal.com. Click here to learn more.
  • Additionally avail a flat 5% instant discount on purchases made on www.snapdeal.com with your co-brand credit card. Click here to learn how to get this discount
• Fuel surcharge waiver
  Effective 15th April 2016, Reward Points will not be accrued on fuel transactions. GST charges on fuel surcharge is non-refundable.
  
  Fuel surcharge of 2.5% plus service tax will be replaced by Convenience fee of 1% (effective 01 Feb’17) plus GST (effective 01 Jul’17).
• Safe & Secure Transactions
  DIP your Chip Card at any Chip enabled POS or swipe your card at any non-chip POS (Regular POS).
• Zero liability on lost card
  If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.
• Revolving Credit
  Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.
• Reward points validity
  Reward points are valid only for 2 years from the date of accumulation.
  ex:- if you receive reward points in May 2015, same will expire in May 2017.
• Interest free credit
  Avail up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).
• Free yourself from annual fee
  Get renewal fee waiver for Rs.500 if you spend Rs. 1,50,000 in a year prior to renewal date.

Snapdeal HDFC Bank Credit Card?

• Reward Points Redemption:
  • Redeem your Reward Points for exciting gifts from our exclusive MyRewards Catalogue
  • Redeem your Reward Points at the applicable redemption rate against snapdeal vouchers.
  Click here to know how you can redeem your Reward Points from our MyRewards catalogue.
• Balance Transfer: You can transfer your outstanding balance on your existing Credit Card to HDFC Bank and start saving immediately.
  
  Click here to know more.
  Click here for Terms and conditions.
• Loan against your Snapdeal HDFC Bank Credit Card:
  You can also avail a loan against your Snapdeal HDFC Bank Credit Card.
  Call our PhoneBanking Number to know your eligibility. T&C apply.
• Easy EMIs:
  Buy a wide range of products and services with your Snapdeal HDFC Bank Credit Card and pay in Easy Monthly Instalments (EMIs).
  HDFC Bank presents the Easy EMI program to make your credit card usage a little more convenient and hassle-free. We have tied up with a number of merchant establishments to bring you this program.
  
  View more
• Net Limit:
  Set aside a part of your credit limit for online spends per statement cycle, within the available limit on your primary Credit Card. Click here to know more.
• Add-On Card:
  You can also get an Add-On Card on your Snapdeal HDFC Bank Credit Card. Click here to know more.
• Add-On Sub Limit
  An Add-On Card with a sub limit feature provides enhanced control and security with the ability to track amounts spent on the card. Click here to know more.

Online Credit Card Security measures I should follow?

Below are some of the Online Credit Card measures you should follow:

• NetSafe Introduction:
  NetSafe is a unique payment solution to make shopping safe and convenient. Create your virtual card online. This will be valid for a single use. Click here to know more.
• Verified by Visa (VBV) SecureCode:
  Verified by Visa (VBV) SecureCode is an online payment service that lets you shop online with safety and security using your HDFC Bank Credit Card. Click here to know more
• IVR 3D Secure:
  IVR 3D Secure offers you an extra layer of security for your merchant IVR transactions. Now you can shop securely using your HDFC Bank Credit Card with an IVR password. Click here to know more.
• Phishing:
  Phishing is a way of attempting to get your Credit Card details over the Internet under false pretences in order to make fraudulent transactions with your card. Ensure you are very careful who you give your Credit Card details to.
  Phishing is when someone, posing as a legitimate company, contacts you and tries to extract your Credit Card details. They can then use your Credit Card details anonymously to make purchases and it will be difficult to catch them. Please be careful and take a look at the do’s and don’ts listed below to protect your card from phishing.

DOs

• Shop online only if you are dealing with a company or brand. One that includes its address and a phone number on the website.
• Research before you buy! Make sure you know what the item costs and you know the return policy, if any; and the retailer's privacy policy.
• Take a screenshot of your order page or save the page as an HTML file rather than printing it out.
• Check your Credit Card statement and view your unbilled transactions frequently to catch fraudulent transactions.
• Keep transaction numbers available in case you need to cross check later.
• Keep your anti-virus up to date and make sure you install updates for browsers, applications and operating system software.
• Safeguard your passwords. Choose strong passwords and a strong Verified by Visa code.

DON’Ts

• Don’t give information like your date of birth, name, credit card number or security code on websites that look suspicious or websites you don’t trust.
• Don’t conduct transactions on public computers that may have malware on them. Use a trusted computer with anti-virus software installed on it.
• Don't fall for phishing attempts from people trying to get your Credit Card details. Good signs of phishing sites are those with misspellings, poor grammar, URLs that are incorrect, etc.
• Don’t type your Credit Card details unless you see "https" in the URL address bar and a closed padlock somewhere on the screen.
• Beware of offers that are too good to be true, which often end up being scams.

How can I pay utility bills with my Snapdeal HDFC Bank Credit Card?

• SmartPay:
  SmartPay is the smartest way to pay your utility bills with your Snapdeal HDFC Bank Credit Card. Now give standing instructions on your Snapdeal HDFC Bank Credit Card and enjoy credit free period and reward points/cash back features as per your card.
  Click here to know more about SmartPay.
• Register&Pay:
  Pay your electricity, telephone, mobile and Insurance Premiums anytime-anywhere. You can view and pay your bills through the Internet at your convenience, while you travel or from the comforts of your home or office.
  Click here to know more about Register&Pay.
• PayNow
  HDFC Bank Credit Card now offers you an instant online payment solution for making your bill payments on HDFC Bank website
  Click here to know more about PayNow.
• Visa Bill Pay: With HDFC Bank Visa Bill Pay, say goodbye to the hassles of writing cheques or forms. Now pay your bills online securely with your existing Snapdeal HDFC Bank Credit Card
  Click here to know more about Visa Bill Pay
• Bill Value:
  Enroll for the Bill Value service and pay your mobile, telephone, electricity and insurance bills with your Snapdeal HDFC Bank Credit Card to enjoy amazing CashBack & Reward Point offers.
  Click here to know more about Bill Value

How can I manage my Snapdeal HDFC Bank Credit Card?

• Have you lost your Snapdeal HDFC Bank Credit Card or has your Snapdeal HDFC Bank Credit Card been stolen?
  
  If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card.
  
  This will help us to immediately block all transactions on your card and initiate the process to deliver a new card to you within the next 3 business days. Any fraudulent transactions after reporting the loss will be borne by us. If you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces, cut it especially through the magnetic strip at least once, and return it to us.
• Want to know more about your Monthly statements?
  Your monthly statement is a record of all transactions you've made during a particular month. When you make any transaction, you receive a charge slip or a bill from the Merchant Outlet. Keep these slips and cross check the amounts stated in your monthly statements. In case you find a transaction that doesn't match your records, call us immediately on our 24-hour helpline.
  Understanding the terms used in your monthly statement

  • Card member's name and number
    Your name as it appears on the card along with your 16-digit card number.
  • Statement date
    The date on which the statement was generated.
  • Payment due date
    The date on which your payment is due.
  • Credit limit
    The maximum amount that can be outstanding against your credit card at any point of time.
  • Available credit limit
    The unutilised value of the credit at any point of time after taking into account the balance outstanding billed and unbilled.
  • Available cash limit
    Amount available for cash withdrawal (Subject to Available Credit Limit).
  • Purchases and Debits
    This is the sum total of all retail / cash transactions incurred by you during your statement period. This also includes the fees.
  • Finance Charges
    This is the charge that is applilcable in cash advances and Revolving Credit facility.
  • Payments / Credits
    These are the details of payments made by you and any credits received during the month prior to Statement Date.
  • Transaction details
    All purchases that have taken place in India and abroad are listed in this section. It covers the date on which the transaction took place, brief details on the transaction (including the registered name of the merchant establishment), the city in which the transaction took place, the transaction number and the amount of the transaction. The amount column will also show the currency in which the transaction took place in the case of a transaction done outside India, Nepal or Bhutan. It is recommend
  • Changes to Cardmember Agreement
    The Bank reserves the right to vary any of the Terms & Conditions of the Cardmember Agreement from time to time with due intimation to the customer. Changes to the Terms & Conditions shall be communicated through the Bank's website and by any other acceptable modes of communication.
  View less
• Want to register for statement on E-mail?
  Your can request for email statements through NetBanking - Credit Cards module.
  Alternatively, you can call your nearest customer service center to request for email statements.

What are the various options available to pay my HDFC Bank Credit Card Bills?

HDFC Bank offers hassle- free, faster and convenient options to pay your Credit Card bills!

• 1. NetBanking
  
  a) HDFC Bank NetBanking - HDFC Bank savings/ current account holders can register for NetBanking and transfer the card outstanding amount online. To link your credit card to NetBanking, please login to your HDFC Bank NetBanking account and link using your Credit Card ATM PIN. To register for NetBanking click here.
  
  b) Non-HDFC Bank NetBanking - You can now make your Credit Card payments online from any other bank account, if you do not have an account with HDFC Bank. Click here for more details & FAQs.
• 2. ATM Funds Transfer
  All you have to do is walk in to any HDFC Bank ATM in India, at any time and transfer the bill amount from your savings or current account to your Credit Card account.
• 3. NEFT/ Visa Money Transfer (for other bank account holders)
  You can transfer funds from any other bank account to your HDFC Bank Credit Card account electronically. For further information, Click here . Please contact your bank for more details on NEFT. Use IFSC Code HDFC0000128 for card payment through NEFT (please prefix 00 to your 14 digit Diners Club Card Number).For details on Visa Money Transfer, click here.

Other Payment Channels

• 4. Autopay
  You can provide standing instructions to debit your HDFC Bank account automatically for either the minimum amount due or total amount due of your monthly outstanding on your Credit Card. Your account with HDFC Bank should be a sole account or a joint account with an 'any' or 'either' signing mandate.
  Click here to download Autopay registration form.
• 5. Over the counter Cash Payment
  Walk into any HDFC Bank branch and make your credit card payment by Cash.

Note: Cash payments at branches/ATMs will be charged cash processing fee of Rs.100/- per payment.

• 6. Cheque Payment
  You can drop a local cheque, payable to HDFC Bank Card A/c followed by your 16-digit card number, at any one of our drop boxes located in ATMs and branches in your city. Local cheque payments will be credited to your card account in 3 working days.
  To locate your nearest Branch, Click here and for ATM Click here

Note: As per RBI circular, with effect from 1st July 2010, No changes / corrections should be carried out on the cheques (other than for date validation purposes, if required). For any change in the payee’s name, courtesy amount (amount in figures) or legal amount (amount in words), etc., fresh cheque forms should be used by customers

What are the fees and charges I pay?

First Year and Renewal Fee for Snapdeal HDFC Bank Credit card is Rs. 500 (GST* as applicable)

Please click here to view the fees and charges applicable on your Snapdeal HDFC Bank Credit Card.
*Goods and Services Tax (GST)

• Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
• The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
• GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
• GST levied will not be reversed on Any dispute on Fee & Charges / interest.

Have questions?

Can a chip card be used for online transactions?

Yes, the chip card can be used for online transactions; the card has to be registered for 'Verified by VISA' which ensures safe online transactions after which the card can be used online.

What is Contactless Payment Technology

The HDFC Bank XXX Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
*To see if your card is contactless, look for the contactless symbol network on your Card.
You can use your card to make quick transactions at merchant locations accepting contactless cards.

Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 2000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to Rs. 2000, the card holder has to enter the Credit Card PIN for security reasons."

Does HDFC Bank's Chip Card contain a magnetic strip?

Yes it does. This is because it will take time for all stores and restaurants to be set up with chip–enabled terminals. So to ensure your HDFC Bank Chip Card continues to be accepted everywhere, it contains a magnetic strip in addition to the chip.

Which outlets have a chip terminal?

Most of the merchants have chip enabled terminals. In case the merchants don‘t have chip enabled terminal, the card can be swiped and transacted.

Can a Chip Card be used to withdraw cash for Snapdeal HDFC Bank Credit Card?

Yes a Chip Card can be used at any ATM to withdraw cash.

Have more questions, check our FAQs Section 

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