The HDFC Bank Infinia Credit Card

Step into a whole new world of Infinite possibilities, where limitations are overcome with ease and where your spending power fuses with life's finest. Go ahead, there are limitless experiences out t

Shop without worrying about credit or spending limits. The HDFC Bank Infinia Credit Card comes with a unique NPSL* (No Pre-set Spending Limit) feature. What’s more, your card is safeguarded against fraudulent transactions, so that your interests are protected, always.

* HDFC Bank will exercise its discretion to honor your transactions above your assigned credit limit on a case-to-case basis, taking spend and payment pattern into consideration.

Contactless Payment Technology

The HDFC Bank Infinia 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.

When you have arrived in life, traveling should be the least of your worries.

1) Complimentary Airport Lounge Access

Priority Pass Membership

The HDFC Bank Infinia Credit Card is your ideal travel companion, which provides you a complimentary Priority Pass Membership that allows you preferential access* to 1000+ airport lounges globally. Primary card and add-on Card holders may utilize the refreshment and business center facilities at these lounges. Please note that the presentation of the Priority Pass card at the participating airport lounge is mandatory to avail access.

* The access and usage at all Priority Pass lounges is complimentary only for Primary and Add on Priority Pass holders

All guests visits using Priority pass would be charged at US $27 + GST per visit per guest.

Visit www.prioritypass.com for list of lounge details.

Click here for more details

Visa/MasterCard Lounge Access Program

In addition to the above, avail the facilities at a host of lounges using the Infinia Credit Card within India

For Lounge visits within India, Infinia Primary Cardholders can avail 4 complimentary lounge access per quarter through Infinia Visa/Mastercard Card Lounge program (Please swipe your Infinia Credit card to avail the complimentary lounge access). Below are the links for Credit card lounge access T&C and lounge list

Please click here to know more about VISA lounge program (A transaction fee of Rs. 2 will be charged to your credit card for the lounge access)

Please click here to know more about Mastercard lounge program.

2) Complimentary Club Vistara Gold Membership

Infinia cardholders enjoy complimentary Club Vistara Gold Membership which offers unmatched benefits on Vistara:

• Earn 10 Club Vistara points for every Rs. 100 spent on All Vistara Flights
• Lounge Access
• Additional 10 Kg Baggage allowance
• Guaranteed reservations in Economy Class
• Priority Airport check-in, Waitlist Clearance, Baggage handling and boarding
  
  Note:
  
  1) Club Vistara Membership is applicable for Primary Card holder only and it has 1 Year Validity.
  2) The renewal of membership is at discretion of the partner.

For further details, visit www.airvistara.com

Club Vistara Gold Tier membership as a benefit on Infinia card is being discontinued w.e.f 20th March 2019, you will not be able to enroll for the same later.

Please note that the last date for registration is extended upto 30th March 2019. We urge you to make use of this opportunity and enjoy the benefits of this membership.

All members who have already registered before the deadline will continue to enjoy the membership benefits for a period of 12 months from the date of enrollment

Not Applicable for NRI Infinia cards

3) Lowest foreign currency markup fee

We understand that international travel is an essential part of your life and hence your HDFC Bank Infinia Credit Card offers you the lowest markup fee of 2% on all foreign currency transactions.

1) PERSONAL CONCIERGE SERVICES

There are some things in this world that can’t be bought or measured with money. With the Personal Concierge Service, we aim at simplifying your life, so you can live in the moment. And even putting your interests ahead of ours, so you’ll have peace of mind no matter where you are.

As an HDFC Bank Infinia Credit Card customer, you can customize your travel, entertainment, and business experiences with our Global Concierge Assistance.

Whether it is booking a private yacht in New Zealand, hiring a chartered flight to Seychelles, or simply delivering flowers to your loved ones, luxurious benefits is now just a call away!

- Arrange an exotic holiday anywhere in the world, whether in the Champagne district in the Loire Valley or a lazy wine-tasting break down the Rhine. Whether it is booking your air tickets, a hotel room, renting a car, planning a cruise or chartering a private jet, yacht, or specialized requests such as booking a show, spa or museum. Simply call the Concierge
- Travelling overseas and would like to have a stress free experience, while on the move? Book the ‘Airport Meet & Assist’ and ‘Fast Track Immigration’ services to breeze through.
- Arrange for limousine transfers for yourself or your clients through a global network of service providers
- Experience dining with a personal touch. Call for reserving the best fine dining and award winning restaurants around the globe.
- Surprise your loved ones! Make them feel special, plan your birthday or anniversary, send them special gifts. Simply speak to the Concierge.
- Seek advice and source luxury items from across the world

If you are Infinia Credit Card holder, you can access your personal concierge service on the below numbers:

Toll Free No.: 1800 118 887 Landline No.: 022 42320226

Email ID : membersupport@hdfcbankinfinia.com

Click here for Concierge TnC

2)EXCLUSIVE GOLF PROGRAMME / GOLF LESSONS

Tee off at some of the best golf courses around the world with your HDFC Bank Infinia Credit Card. You enjoy Complimentary golf games at leading courses across India and select courses across the world.

Exclusive golf privileges you enjoy with this programme

- complimentary Golf Games

For Domestic Golf Courses Click Here
For International Golf Courses Click Here

- Access to exclusive restaurants at select golf clubs.

For more details, call the concierge at 1800 118 887 | 022 42320226
Email ID : membersupport@hdfcbankinfinia.com.

100% green fee waiver for the primary card holder. This programme is brought to you in conjunction with GolfLAN.com. For Terms & Conditions, click here
Club Marriott Membership

Infinia card holders enjoy complimentary Club Marriott Membership that provides exclusive privileges such as -

- Up to a 20% off on the food and beverage bill at the restaurants for up to a maximum of ten (10) guests.Select hotels offer a 15% off up to a maximum of ten (10) guests.

-  •Up to a 20% off on the Best Available Rates on rooms at participating Marriott hotels in India and on Weekend Rates in Asia Pacific

- Apart from the above benefits, there are vouchers/certificates that will be sent along with the physical kit

Visit www.clubmarriott.in for list of participating hotels.

Eligibility:

Infinia cardholders, onboarded on or after 20th March 2019 are eligible for this membe rship.

Note :
1. The Membership is applicable for Primary Card holder only and it has 1 Year Validity.

2. Existing Infinia cardholders i.e. those sourced before 20th March 2019 will not be eligible for the membership.


As an HDFC Bank Infinia Credit Card holder, you are entitled to Exclusive Dining Privileges at the finest hotel chains in India.

Make your dining experience a memorable one,with minimum discount of 15% across 3000+ restaurants with your Infinia Credit Card.

Indulge in the choicest experience, every time you dine out.

Splurge to your hearts content with the best-in-class rewards programme

Earn 5 Reward Points* for every Rs. 150 spent on your HDFC Bank Infinia Credit Card, with no conditions attached

Enjoy 2X Reward Points i.e. 10 Reward Points for every Rs. 150 spent for

- Bookings on www.hdfcbankinfinia.com
- Spends on Dining (stand-alone restaurants only)
- Flight bookings on www.airvistara.com

Accumulate and redeem Reward Points for:

- Travel bookings on www.hdfcbankinfinia.com
- Exciting gifts from an exclusive rewards catalogue

Alternately you can convert Reward Points into AirMiles of leading domestic and international airlines

Note
Only eligible retail purchases qualify for accumulation of Reward Points
*Reward Points are valid only for 3 years from the date of accumulation.
Reward points will not be accrued for fuel transactions.
E.g. Reward Points received in the month of June, 2015 will expire in June, 2018.
Terms and conditions apply
Spends on Air India website are not eligible for accelerated Reward Points.

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.
With the HDFC Bank Infinia Credit Card, you can access the best things in life at the lowest cost of ownership possible. Low-cost benefits that come with this card are:

• Lowest foreign currency markup fee: We understand that international travel is an essential part of your life and hence your HDFC Bank Infinia Credit Card offers you the lowest markup fee of 2%+GST on all foreign currency transactions.
• Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee on all fuel transactions upto INR 1,00, 000(Maximum waiver of INR 1000 per statement cycle, Minimum transaction of INR 400).
  Fuel surcharge varies from 2.5% to 1% of fuel transaction amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank.
• Low interest rate: You can enjoy upto 50 days of interest-free credit period* with the HDFC Bank Infinia Credit Card. You also have the convenient option of managing your payments according to your requirement. If you choose to carry forward your balance to the next month, an unbelievably low interest rate of 1.99% per month is applicable.
• No cash withdrawal fee: Withdraw cash of upto 40% of your credit limit without any cash withdrawal charges..

 Enjoy exclusivity every time you call us with a Credit Card query. Your dedicated Premium Service Desk looks forward to your call and will be glad to assist you around the clock.

Your service requests will always be promptly responded, with fast-track solutions.

Customer care numbers:

Toll Free: 1800 22 3310

Toll Free: 1800 102 3310

Landline: 022-2856 1443

E-mail: infinia.services@hdfcbank.com

You will be glad to know that one of the many standard features of the HDFC Bank Infinia Credit Card is peace of mind. That is why we have included international travel insurance as part of the numerous privileges. The Card provides the following complimentary insurance covers:

• Accidental death: In case of death in an air accident, the nominated next of kin will receive a compensation of Rs 3 crore.
  
  If you are an Infinia card holder, Click Here to update your nominee details.
• Medical emergency cover: The card holder is covered up to Rs 50 lakh against medical emergencies during travel abroad.
• Credit shield: The outstanding amount on the Infinia credit card is covered to an extent of Rs 9 lakh in case of accidental death and permanent disability.
• Card Liability Cover: Cover upto Rs 9 Lakh available for Primary Card Holder
  
  For Policy Document Click Here

Claim Procedure:

• Intimation of Claim to be provided within 60 days from the date of loss by the insured. Documents to be submitted to HDFC ERGO within 130 days from the date of loss.
• Contact details:
  
  a. Toll Free: +800 08250825 (International Toll Free - accessible from outside India) / 01204507250 (Chargeable)
  b. Email: bankclaims@hdfcergo.com
  c. Address: A&H Claims Inward Team, HDFC Ergo GIC Ltd., 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri East. Mumbai 400059

*Terms & Conditions:

• Not Applicable for NRI Infinia cards
• All the above insurance covers are available to the Primary card holder only.
• Air Accident cover will be activated if the tickets are purchased using HDFC Bank Infinia credit cards.
• Travel Insurance provided under the policy shall not be valid for procuring a travel visa.
• Travel Insurance provided shall be valid for International Travel only.
• Maximum Trip Duration is restricted to 30 Days.

Please note that all the above insurance covers will be available only after the Card member activates his/her HDFC Bank Infinia Credit Card. Activation is defined as first purchase at a retail outlet or cash withdrawal from an ATM using the HDFC Bank Infinia Credit Card. These insurance covers are not provided by HDFC Bank. Additional Exclusions / Limitations are applicable as per the policy of the insurance company with whom HDFC Bank has tied up for providing these covers. Please contact the insurance company for detailed T&Cs.

1. Fees and Charges
   1. Fees payable on the Credit Card by the Cardmember
      • Joining Fee
      • Annual Fee
        The fees may vary for each Cardmember, and from offer to offer. The same is communicated to the Cardmember at the time of applying for the Credit Card. The above fees, as applicable, are billed to the Card Account and are stated in the Card Statement of the month in which it is charged.
   2. Cash Advance Fees
      The Cardmember can use the Card to access cash in an emergency from ATMs in India or abroad. Cash Advance fee will not be charged for cash withdrawals through HDFC Bank VISA Infinia Credit Card. However, all Cash Advances will carry a finance charge of 1.99% per month (23.9% annually)* from the date of withdrawal until the date of full payment. The finance charge is subject to change at the discretion of HDFC Bank.
      *Refer to the Schedule of Charges table at the end.
   3. Charges
      • Charges and fees, as may be applicable from time to time, are payable by Cardmembers for specific services provided by HDFC Bank to the Cardmember or for defaults committed by the Cardmember with reference to his Card Account.
      • HDFC Bank retains the right to alter any charges or fees from time to time or to introduce any new charges or fees, as it may deem appropriate, with due intimation to customer.
   4. Interest Free Period
      The interest free credit period could range from 20 to 50 days subject to the submission of settlement claims by the merchant (Please refer to the Schedule of Charges). This means that a customer who has a billing date of 4th of the month can spend on his Card from 5th April to 4th May, his bill will be generated on 4th May and his Payment Due Date will be 24th May. Hence a purchase made on 14th April will have a credit period of 41 days, while a purchase made on 2nd May will have a credit period of 23 days. However, this interest free period is not applicable if the previous month's balance has not been cleared in full or if the Cardmember has availed of cash from ATM.
2. Limits
   HDFC Bank at its sole discretion will determine the Cardmember's Credit Limit and cash withdrawal limit (Add-on Cardmembers share the same limit). These limits are communicated to the Cardmember at the time of Card delivery and in the monthly statements. The available Credit Limit at the time of the statement generation is provided as a part of the monthly statement. HDFC Bank will review the Cardmember's Account periodically, and increase or decrease the Cardmember's Credit Limit based on internal criteria. Cardmembers seeking to have their Credit Limit increased can do so by writing to the Bank and providing financial documents declaring their income. The Bank, at its sole discretion and based on such new documents provided, may increase the Credit Limit of the Cardmember.
   
   The Bank at its sole discretion may honour transactions above the assigned Credit Limit (Credit Limit up to which Cardmember can revolve) on a case-to-case basis taking Cardmember's spend and payment pattern(s) into consideration.
3. Finance Charges
   1. Finance charges are payable at the monthly percentage rate on all transactions from the date of transaction in the event of the Cardmember choosing not to pay his balance in full, and on all Cash Advances taken by the Cardmember, till they are paid back. Finance charges, if payable, are debited to the Cardmember's Account till the outstanding on the Card is paid in full.
   2. Finance charges on Cash Advances are applicable from the date of transaction until the payment is made in full.
   3. When the customer carries forward any outstanding amount or avails of Cash Advance, a finance charge calculated by Average Daily Balance Method, will apply to balances carried forward and to fresh billings.
   4. If a Cardholder avails of the revolving credit facility and hence chooses to pay an amount less than the total amount due reflected in the monthly billing statement, the entire outstanding amount would attract finance charges and all new transactions will also attract finance charges till such time as the previous outstanding amounts are repaid in full.
      
      The following illustration will indicate the method of calculating various charges. Assume that you have paid all previous dues in full and do not have any amount outstanding in your VISA Infinia Card Account. Your statement date is 18th of every month. The following is the list of transactions you have done on your Card Account:
      
      

      Date	Transaction	Amount
      10 April	Purchase of Air Tickets	Rs. 50,000/-
      15 April	Purchase of Garments	Rs. 50,000/-
      18 April	Statement Date	Total Amount Due = Rs. 1,00,000 Mimnimal Amount Due = Rs. 1,00,000
      12 May	Payment into Card Account	Rs. 10,000/- (Credit)
      14 May	Purchase of Personal accessories from London	Rs. 25,000/-

   5. Thus, on the statement dated 18th May, the following will reflect as the components of the total amount payable by you:
      Interest calculated = (outstanding amount x 1.99%* pm x 12 months x no of days) / 365
      Foreign currency mark-up = 2% of transaction amount
      
      Therefore,
      1. Interest on Rs. 50,000 @ 1.99% pm from18th April to 12th May (i.e., for 25 days) = Rs. 817.81
         Interest on Rs. 40,000 @ 1.99% pm from 13th May to 15th May (i.e., for 3 days) = Rs. 78.51
         Interest on Rs. 50,000 @ 1.99% pm from 18th April to 15th May (i.e., for 28 days) = Rs. 915.95
         Interest on Rs. 15,000 @ 1.99% pm from 16th May to 18th May (i.e., for 3 days) = Rs. 29.44
         Interest on Rs. 25,000 (fresh spends @ 1.99% pm from 14th May to 18th May i.e., for 5 days) = Rs. 81.78
         Thus total interest of Rs. 1,923.48
      2. Foreign currency mark-up = Rs. 500 (on purchase of Rs. 25,000 @ 2%)
      3. GST @ 18% of interest and foreign currency mark-up = Rs. 436.23
         Total principal amount outstanding = Rs. 40,000 (Rs. 25,000 fresh spend + balance Rs. 15,000 outstanding from last month's billing period)
         Hence Total Amount Due = (a)+(b)+(c) = Rs. 42,859.71
         
         *Please note that the Finance Charges and other charges are subject to change at the discretion of HDFC Bank. For a list of charges that may be levied at specific instances, please refer to the Schedule of Charges available at the end of this document.
4. Billing and Statement
   1. HDFC Bank will send the Cardmember a monthly statement showing the payments credited and the transactions debited to the Cardmember's Account since the last statement. The Bank will mail a statement of transactions in the Card Account every month on a pre-determined date, to the mailing address on record with the Bank. If the balance outstanding is less than Rs. 200 and there is no further transaction pending billing since the last statement, no statement will be issued.
   2. HDFC Bank Credit Cards offer the Cardmember the facility of revolving credit. The Cardmember may choose to pay only the Minimum Amount Due printed on the statement. The balance outstanding can be carried forward to subsequent statements. The Cardmember can also choose to pay the Total Amount Due or any part of the amount above the Minimum Amount Due. Such payment should be made before the Payment Due Date. Clear funds need to be credited to HDFC Bank Card Account on or before payment due date. Cardmembers are advised to drop local cheques at least 4 days before the Payment Due Date to ensure payment reflects in the Card Account within the Payment Due Date. Any unpaid Minimum Amount Due of the previous statements will be added to the Cardmember's current Minimum Amount due in addition to the outstanding exceeding the Cardmember's Credit Limit.
   3. Payments made towards the Card outstanding are acknowledged in subsequent statements.
   4. Payments received against the Cardmember's Card outstanding will be adjusted against all taxes, fees and other charges, interest charges, cash advances and purchases in that order.
   5. Payments towards the Card Account may be made in any of the following ways:
      • By dropping the payment instrument (Cheque or Draft) into any of the HDFC Bank Credit Card drop boxes placed in the HDFC Bank branches and ATMs. The Cheque / Draft should be made payable to HDFC Bank Card number xxxx xxxx xxxx xxxx (16 digit Credit Card number to be mentioned).
      • In case the Cardmember has an HDFC Bank account, he can opt for a Standing Instruction facility, where funds can be automatically transferred from the Cardmember's HDFC Bank account to the Cardmember's Card Account on the due date.
      • In case the Cardmember has an HDFC Bank account, he can make the Payment through Netbanking or ATMs.
      • Through Cash Payments at the Bank branches.
   6. Billing Disputes: All the contents of the statement will be deemed to be correct and accepted if the Cardmember does not inform HDFC Bank of the discrepancies within 30 days of the Statement Date in writing. On receipt of such information, HDFC Bank may reverse the charge on temporary basis pending investigation. If on completion of subsequent investigations, the liability of such charges is to the Cardmember's Account, the charges will be reinstated in a subsequent statement along with the associated document retrieval charges.
   7. Contact Particulars: The Cardmember can contact HDFC Bank Credit Cards for making any enquiries or for any grievance redressal through:
      • 24-Hour Customer Service Call Centre a detailed list of phone numbers is available at the end of this document and on the reverse of the monthly statements.
      • Through mail - Manager, Grievance Cell, HDFC Bank Cards Division 8, Lattice Bridge Road, Thiruvanmiyur, Chennai - 600 041.
      • By email - customerservices.cards@hdfcbank.com
5. Default
   In the event of default, the Cardmember will be sent reminders from time to time for settlement of any outstanding on the Card Account, by post, fax, telephone, email, SMS messaging and / or engaging third parties to remind, follow up and collect dues. Any third party so appointed, shall adhere fully to the code of conduct on debt collection.
6. Right of Lien
   The Bank, at any time and without notice, will have lien and right to set-off on all monies belonging to the Cardmember and / or Add-on Cardmember standing to their credit in any account / custody of the Bank, if upon demand by the Bank, the balance amount on the Card Account is not repaid within the prescribed time.
7. Termination / Revocation of the Card Membership
   1. The Cardmember may terminate the Card membership at any time by writing to HDFC Bank at the following address: "Manager, HDFC Bank Credit Cards, P.O. Box 8654,Thiruvanmiyur P.O., Chennai - 600 041" along with the Cards cut diagonally to pieces. All the Cards including the Add-on Card will be terminated on the basis of the written request. Termination will be effective only after receipt of the cut Cards and payment of all amounts outstanding to the Card Account. No annual, joining or renewal fees shall be refunded on a pro-rata basis.
   2. HDFC Bank may also restrict, terminate or suspend the use of the Credit Card at any time without prior notice if the Bank reasonably believes it necessary for business or security reasons. HDFC Bank can suspend the facility on the Credit Card, if the Cardmember defaults on the payment due or exceeds the Credit Limit extended. The Card must not be used after the Agreement ends or if the Card Account is suspended.
   3. In such a situation, the Cardmember must (subject to any default or other notice required by law) immediately pay HDFC Bank the total outstanding Balance on the Account. This includes all amounts due to HDFC Bank under the Agreement, including all transactions and other amounts not yet charged to the Account. The Card will not be considered as closed until the Cardmember has paid all such due amounts.
8. Loss / theft / misuse of Card
   1. The Cardmember must notify the 24-Hour Call Centre immediately if the Primary or any Additional Credit Card is misplaced, lost, stolen, mutilated, not received when due or if he / she suspects that the Credit Card is being used without Cardmember's permission. Once a Card is reported lost, it should not, under any circumstance be used if found by the Cardmember subsequently. As the Add-on Card is an extended facility given on the Primary Card Account, the Add-on Card is rendered invalid when the Primary Card is reported lost. Similarly, if the Add-on Card is reported lost, the Primary Card Account and other Add-on Cards are invalidated.
   2. The Bank is not liable or responsible for any transactions incurred on the Card Account prior to time of reporting of the loss of the Card, and the Cardmember will be wholly liable for the same. After the receipt of proper notification of the loss by the Bank, the Cardmember's subsequent liability is zero. In addition to notifying HDFC Bank about the loss or theft of the Card, the Cardmember must report any theft of Cards to the Police and lodge an FIR.
   3. The Cardmember will be liable for all losses in case of misuse of the Card by someone who obtained the PIN or the Card with the consent of Cardmember or an Additional Cardmember.
   4. If the Cardmember has acted fraudulently he will be liable for all losses. If the Cardmember acts without reasonable care, he may be liable for all losses incurred.
   5. HDFC Bank may, without referring to the Cardmember or any Additional Cardmembers, give the police or other relevant authorities any information that HDFC Bank considers relevant about the loss, theft or misuse of a Card or PIN.
9. Grievance Cell
   In the rare event of not being satisfied with the response from any of the recent contacts with the Bank, you can reach us at Manager, Grievance Cell, HDFC Bank Cards Division 8, Lattice Bridge Road, Thiruvanmiyur, Chennai - 600 041; Phone: 044 - 2374 4704 between 9.30 am and 5.30 pm from Monday to Friday.
10. Disclosure
    The Cardmember acknowledges that as per existing business practices, the Bank is authorised to disclose from time to time any information relating to the Credit Card(s), to any credit bureau (Existing or Future) without any notice to the customer. The Credit Information Bureau India Ltd. (CIBIL) is an initiative of the Government of India and Reserve Bank of India to improve the functionality and stability of the financial system. All banks and financial institutions participating in this initiative are required to share customer data with CIBIL. In view of this we wish to inform the Cardmember that the Bank is authorised to disclose any information relating to Credit Card(s) default by the customer, to CIBIL and to any other credit bureau (Existing or Future) in case the Card is overdue, with a notice of 15 days. The Cardholder's name will be withdrawn from any defaulter's list, as the Bank may deem fit, only if the entire outstanding amount is realised from the Cardholder. This withdrawal will be effected within 60 days from the Cardholder having paid the full and final amount to the Bank. We also wish to inform the Cardmember that the Bank will, at its own discretion, record specific conversations between the Cardmember and the representative of the Bank, in cases of grievance-related conversation or payments-recovery-related conversations or any other conversation, that the Bank may deem fit.

   APPLY NOW