<figure class="wp-block-image size-large hts-content-image"><img src="https://images.unsplash.com/photo-1570466175279-95d1dc1fbb3a" alt="Understanding the New HDFC Credit Card Rules: What You Need to Know"/></figure>
<h2>Introduction to the New HDFC Credit Card Rules</h2><p>The HDFC Bank has recently announced new credit card transaction charges that will come into effect on July 1. These new rules are important for all HDFC credit cardholders to understand, especially those who frequently make utility payments or use wallet services. </p><h2>New Charges on Utility Payments</h2><p>Among the most significant changes is the fee structure related to utility payments. If you attempt to make utility transactions exceeding â¹50,000, you will incur an additional charge. This 1% fee will apply to any amount over this limit, with a maximum cap of â¹4,999. Cardholders should be aware of this new rule to avoid unexpected fees when managing their bills.</p><h2>Wallet Loads and Their Limits</h2><p>The new rules also introduce charges for wallet loads that surpass â¹10,000. Users loading amounts over this limit will incur an additional 1% fee. This adjustment is crucial for those who regularly use digital wallets for transactions. Keeping your wallet loads within the specified limit can help you avoid additional costs while managing your daily expenses.</p><h2>Rewards on Insurance Transactions</h2><p>Another highlight of the new HDFC credit card rules pertains to rewards on insurance transactions. The rewards you earn will vary based on the type of card you hold, making it essential for cardholders to familiarize themselves with their respective benefits. Understanding these distinctions can help you maximize your rewards as you navigate through your transactions.</p>
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