Comparative Analysis of Product & Services of HDFC & ICICI

8/2/2019 Comparative Analysis of Product & Services of HDFC & ICICI

1/107

FRONT PAGE

1


2/107


3/107

CONTENTS

1. Objective

2. Research Methodology

3. Overview

4. Product Range

5. Savings Account

6. Loans

7. Credit Cards

8. Private Banking

9. E-Age Banking

10. Brand loyalty of HDFC in comparison to ICICI

11. Suggestion and Recommendation

12.Conclusion

13.Bibliography

14. Questionnaire

3


4/107

OBJECTIVE

1. To Study the customer perception about HDFC Bank

2. To Access the Brand Loyalty of HDFC in comparison to ICICI.

3. To assess the critical factors responsible for the success/ failure of banking

products.

4


5/107

RESEARCH METHODOLOGY

Methodology includes the overall research procedures, which are followed in the research

study. This includes Research design, the sampling procedures, and the data collection

method and analysis procedures. To broad methodologies can be used to answer any

research question-experimental research and non-experimental research. The major

difference between the two methodologies lies in the control of extraneous variables by the

intervention of the investigator in the experimental research.

RESEARCH DESIGN

A research design is defined, as the specification of methods and procedures for

acquiring the Information needed. It is a plant or organizing framework for doing the study

and collecting the data. Designing a research plan requires decisions all the data sources,

research approaches, Research instruments, sampling plan and contact methods.

Research design is mainly of following types: -

1. Exploratory research.

2. Descriptive studies

3. Casual studies

EXPLORATORY RESEARCH

The major purposes of exploratory studies are the identification of problems,

the more precise Formulation of problems and the formulations of new alternative courses

of action. The design of exploratory studies is characterized by a great amount of flexibility

and ad-hoc veracity.

Descriptive research in contrast to exploratory research is marked by the prior

formulation of specific research Questions. The investigator already knows a substantial

amount about the research problem. Perhaps as a Result of an exploratory study, before the

project is initiated. Descriptive research is also characterized by a Preplanned and

structured design.

5


6/107

CASUAL OR EXPERIMENTAL DESIGN

A casual design investigates the cause and effect relationships between two or

more variables. The hypothesis is tested and the experiment is done. There are following

types of casual designs:

I. After only design

II. Before after design

III. Before after with control group design

IV. Four groups, six studies design

V. After only with control group design.

VI. Consumer panel design

VII. Exposit facto design

B) DATA COLLECTION METHOD

PRIMARY SECONDARY

Direct personal Interview

Indirect personal Interview

Information from correspondents Govt.publication

Mailed questionnaire Report Committees & Commissions

Question filled by enumerators. Private Publication

Research Institute

6

Published Sources Unpublished


7/107

PRIMARY DATA

These data are collected first time as original data. The data is recorded as observed or

encountered. Essentially they are raw materials. They may be combined, totaled but they

have not extensively been statistically processed. For example, data obtained by the

peoples.

SECONDARY DATA

Sources of Secondary Data which I have used are given below:

1. Official Publications: Publications of the HDFC & ICICI or the by the corporate

office ofHDFC & ICICI.

2. Publications Relating to Trade: Publications of the trade associations, stock

exchange, trade union etc.

3. Journal/ Newspapers etc.: Some newspapers/ Journals collect and publish their

own data, e.g. Indian Journal of economics, economist, Economic Times.

4. Data Collected by Industry Associations: For example, data available with

HDFC & ICICI.

5. Unpublished Data: Data may be obtained from several companies, organizations,

working in the same areas. For example, data on HDFC & ICICI by magazines.

Data Collection Method

The following methods of data collection which I have used:

(i) Observation Method

(ii) Personal Interview

7


8/107

Observation Method:

This is the most commonly used method of data collection especially in studies relating to

behavioral sciences. Accurate watching and noting of phenomenon as they occur innature with regard to cause and effect or mutual relation is called observation method

of data collection.

Characteristics of Observation Method These are as follows:

Direct Method: In observation method data is collected through direct contact

with phenomenon under study. In this method sensory organs particularly eye, ear,

voice are used.

Requires in-depth study: In this method, the observer goes to the field and makes

the study of the phenomenon in an in-depth company to acquire data.

Collection follows observation: In this method, the investigator first of all observes

the things and then collects the data.

Relationship between the cause and effect: Observation method leads to

development of relationship between the cause and effect of the events.

Scientific method for collecting dependable data: This is the most scientific

method for collection of dependable data. Observations are planned and recorded

systematically. There should be checks and balances on this methodology.

Selective and purposeful collection: The observations are made with definitepurpose. Collection of materials is done according to a particular purpose.

8


9/107

2. Interview Method

Under this method of we collect data in HDFC & ICICI and face to face contact with

the persons from whom theinformation is to be obtained (known as informants). Theinterviewer asks them questions pertaining to the survey and collects the desired

information. Thus, the we collect data about the working conditions of the workers of

HDFC & ICICI; we worked at HDFC & ICICI contact the workers and obtain the

information. The information obtained are first hand or original in character.

INTERVIEW METHOD

The following are the main characteristics of interview method:

a) It is close contact or interaction including conversation between the managerial level

and Executives ofHDFC & ICICI.

b) The interview we took in the HDFC & ICICI, such as knowing the ideas and views

of others.

9


10/107

INTRODUCTION

HDFC Bank Limited

The Housing Development Finance Corporation Limited (HDFC) was amongst the

first to receive an 'in-principle' approval from the Reserve Bank of India (RBI) to

set up a bank in the private sector, as part of the RBI's liberalization of the Indian

Banking Industry in 1994. The bank was incorporated in August 1994 in the name of

'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank

commenced operations as a Scheduled Commercial Bank in January 1995.

Promoter

HDFC is India's premier housing finance company and enjoys an impeccable track record

in India as well as in international markets. Since its inception in 1977, the Corporation has

maintained a consistent and healthy growth in its operations to remain a market leader in

mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC

has developed significant expertise in retail mortgage loans to different market segments

and also has a large corporate client base for its housing related credit facilities. With its

experience in the financial markets, a strong market reputation, large shareholder base and

unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian

environment.

10


11/107

Business Focus

HDFC Bank's mission is to be a World-Class Indian Bank. The Bank's aim is to build

sound customer franchises across distinct businesses so as to be the preferred provider of

banking services in the segments that the bank operates in and to achieve healthy growth in

profitability, consistent with the bank's risk appetite. The bank is committed to maintain the

highest level of ethical standards, professional integrity and regulatory compliance. HDFC

Bank's business philosophy is based on four core values: Operational Excellence, Customer

Focus, Product Leadership and People.

Capital Structure

The authorised capital of HDFC Bank is Rs.450 crore (Rs.45 billion). The paid-up capital

is Rs.282 crore (Rs.28.2 billion). The HDFC Group holds 24.2% of the bank's equity while

about 13.1% of the equity is held by the depository in respect of the bank's issue of

American Depository Shares (ADS/ADR Issue). The Indian Private Equity Fund, Mauritius

(IPEF) and Indocean Financial Holdings Ltd., Mauritius (IFHL) (both funds advised by J P

Morgan Partners, formerly Chase Capital Partners) together hold about 5.5% of the bank's

equity. Roughly 27.5% of the equity is held by FIIs, NRIs/OCBs while the balance is

widely held by about 214,000 shareholders. The shares are listed on The Stock Exchange,

Mumbai and the National Stock Exchange. The bank's American Depository Shares are

listed on the New York Stock Exchange (NYSE) under the symbol "HDB".

11


12/107

Distribution Network

HDFC Bank is headquartered in Mumbai. The Bank at present has an enviable network of

over 455 branches spread over 207 cities across the country. All branches are linked on an

online real-time basis. Customers in 90 locations are also serviced through PhoneBanking.

The Bank's expansion plans take into account the need to have a presence in all major

industrial and commercial centres where its corporate customers are located as well as the

need to build a strong retail customer base for both deposits and loan products. Being a

clearing/settlement bank to various leading stock exchanges, the Bank has branches in the

centers where the NSE/BSE have a strong and active member base.

The Bank also has a network of over 1054 networked ATMs across these cities. Moreover,

HDFC Bank's ATM network can be accessed by all domestic and international

Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American Express Credit/Charge

cardholders.

Management

Mr. Jagdish Capoor took over as the bank's Chairman in July 2001. Prior to this, Mr.

Capoor was a Deputy Governor of the Reserve Bank of India.

The Managing Director, Mr. Aditya Puri, has been a professional banker for over 25 years,

and before joining HDFC Bank in 1994 was heading Citibank's operations in Malaysia.

The Bank's Board of Directors is composed of eminent individuals with a wealth of

12


13/107

experience in public policy, administration, industry and commercial banking. Senior

executives representing HDFC are also on the Board.

Senior banking professionals with substantial experience in India and abroad head various

businesses and functions and report to the Managing Director. Given the professional

expertise of the management team and the overall focus on recruiting and retaining the best

talent in the industry, the bank believes that its people are a significant competitive

strength.

Technology

HDFC Bank operates in a highly automated environment in terms of information

technology and communication systems. All the bank's branches have connectivity which

enables the bank to offer speedy funds transfer facilities to its customers. Multi-branch

access is also provided to retail customers through the branch network and Automated

Teller Machines (ATMs).

The Bank has made substantial efforts and investments in acquiring the best technology

available internationally to build the infrastructure for a world-class bank. In terms of

software, the Corporate Banking business is supported by Flexcube, while the Retail

Banking business by Finware, both from i-flex Solutions Ltd. The systems are open,

scaleable and web-enabled.

The Bank has prioritised its engagement in technology and the internet as one of its key

goals and has already made significant progress in web-enabling its core businesses. In

each of its businesses, the Bank has succeeded in leveraging its market position, expertise

13


14/107

and technology to create a competitive advantage and build market share.

Business Profile

HDFC Bank caters to a wide range of banking services covering both commercial and

investment banking on the wholesale side and transactional / branch banking on the retail

side. The bank has three key business areas :-

a) Wholesale Banking Services

The Bank's target market is primarily large, blue-chip manufacturing companies in the

Indian corporate sector and to a lesser extent, emerging mid-sized corporates. For these

corporates, the Bank provides a wide range of commercial and transactional banking

services, including working capital finance, trade services, transactional services, cash

management, etc. The bank is also a leading provider of structured solutions which

combine cash management services with vendor and distributor finance for facilitating

superior supply chain management for its corporate customers. Based on its superior

product delivery / service levels and strong customer orientation, the Bank has made

significant inroads into the banking consortia of a number of leading Indian corporates

including multinationals, companies from the domestic business houses and prime Public

Sector companies. It is recognised as a leading provider of cash management and

transactional banking solutions to corporate customers, mutual funds, stock exchange

members and banks.

b) Retail Banking Services

14


15/107

The objective of the Retail Bank is to provide its target market customers a full range of

financial products and banking services, giving the customer a one-stop window for all

his/her banking requirements. The products are backed by world-class service and

delivered to the customers through the growing branch network, as well as through

alternative delivery channels like ATMs, PhoneBanking, NetBanking and MobileBanking.

The HDFC Bank preferred program for high net worth individuals, the HDFC Bank Plus

and the Investment Advisory Services programs have been designed keeping in mind needs

of customers who seek distinct financial solutions, information and advice on various

investment avenues. The Bank also has a wide array of retail loan products including Auto

Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers. It

is also a leading provider of Depository Services to retail customers, offering customers the

facility to hold their investments in electronic form.

HDFC Bank was the first bank in India to launch an International Debit Card in association

with VISA (VISA Electron) and issues the Mastercard Maestro debit card as well. The

debit card allows the user to directly debit his account at the point of purchase at a

merchant establishment, in India and overseas. The Bank launched its credit card in

association with VISA in November 2001. The Bank is also one of the leading players in

the "merchant acquiring" business with over 25,000 Point-of-Sale (POS) terminals for debit

/ credit cards acceptance at merchant establishments. The Bank is well positioned as a

leader in various net-based B2C opportunities including a wide range of internet banking

services for Fixed Deposits, Loans, Bill Payments, etc.

c) Treasury Operations

15


16/107

Within this business, the bank has three main product areas - Foreign Exchange and

Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the

liberalisation of the financial markets in India, corporates need more sophisticated risk

management information, advice and product structures. These and fine pricing on various

treasury products are provided through the bank's Treasury team. To comply with statutory

reserve requirements, the bank is required to hold 25% of its deposits in government

securities. The Treasury business is responsible for managing the returns and market risk

on this investment portfolio.

Rating

HDFC Bank has its deposit programmes rated by two rating agencies - Credit Analysis &

Research Limited (CARE) and Fitch Ratings India Pvt. Ltd. The Bank's Fixed Deposit

programme has been rated 'CARE AAA (FD)' [Triple A] by CARE, which represents

instruments considered to be "of the best quality, carrying negligible investment risk".

CARE has also rated the Bank's Certificate of Deposit (CD) programme "PR 1+" which

represents "superior capacity for repayment of short term promissory obligations". Fitch

Ratings India Pvt. Ltd. (100% subsidiary of Fitch Inc.) has assigned the "tAAA (ind)"

rating to the Bank's deposit programme, with the outlook on the rating as "stable". This

rating indicates "highest credit quality" where "protection factors are very high". HDFC

Bank also has its long-term unsecured, subordinated (Tier-II) Bonds rated by CARE and

Fitch Ratings India Pvt. Ltd. CARE has assigned the rating of "CARE AAA" for the Tier-II

Bonds while Fitch Ratings India Pvt. Ltd. has assigned the rating "AAA (ind)" with the

outlook on the rating as "stable". In each case referred to above, the ratings awarded were

the highest assigned by the rating agency for those instruments.

16


17/107

Corporate Governance Rating

The bank was one of the first four companies which subjected itself to a Corporate

Governance and Value Creation (GVC) rating by the rating agency, The Credit Rating

Information Services of India Limited (CRISIL). The rating provides an independent

assessment of an entitys current performance and an expectation on its "balanced value

creation and corporate governance practices" in future. The bank has been assigned a

CRISIL GVC Level 1' rating which indicates that the bank's capability with respect to

wealth creation for all its stakeholders while adopting sound corporate governance

practices is the highest.

17


18/107


19/107

offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition

of Bank of Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary

market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002. ICICI was

formed in 1955 at the initiative of the World Bank, the Government of India and

representatives of Indian industry. The principal objective was to create a development

financial institution for providing medium-term and long-term project financing to Indian

businesses. In the 1990s, ICICI transformed its business from a development financial

institution offering only project finance to a diversified financial services group offering a

wide variety of products and services, both directly and through a number of subsidiaries

and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and the

first bank or financial institution from non-Japan Asia to be listed on the NYSE.

After consideration of various corporate structuring alternatives in the context of the

emerging competitive scenario in the Indian banking industry, and the move towards

universal banking, the managements of ICICI and ICICI Bank formed the view that the

merger of ICICI with ICICI Bank would be the optimal strategic alternative for both

entities, and would create the optimal legal structure for the ICICI group's universal

banking strategy. The merger would enhance value for ICICI shareholders through the

merged entity's access to low-cost deposits, greater opportunities for earning fee-based

income and the ability to participate in the payments system and provide transaction-

banking services. The merger would enhance value for ICICI Bank shareholders through a

large capital base and scale of operations, seamless access to ICICI's strong corporate

relationships built up over five decades, entry into new business segments, higher market

share in various business segments, particularly fee-based services, and access to the vast

19


20/107

talent pool of ICICI and its subsidiaries. In October 2001, the Boards of Directors of ICICI

and ICICI Bank approved the merger of ICICI and two of its wholly-owned retail finance

subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital Services

Limited, with ICICI Bank. The merger was approved by shareholders of ICICI and ICICI

Bank in January 2002, by the High Court of Gujarat at Ahmedabad in March 2002, and by

the High Court of Judicature at Mumbai and the Reserve Bank of India in April 2002.

Consequent to the merger, the ICICI group's financing and banking operations, both

wholesale and retail, have been integrated in a single entity.

20


21/107

PRODUCT & SERVICES

OF

HDFC WITH ICICI BANK

21


22/107

Savings, Fixed Deposits, Current and Demat Accounts

Savings Account: Apart from the usual facilities, you get a free ATM Card, Inter branch

banking, Net Banking, Bill Pay, Phone Banking, Debit Card and Mobile Banking, among

others.

Bank Preferred a preferential Savings Account where you are assigned a dedicated

Relationship Manager, who is your one-point contact. You also get privileges like fee

waivers, enhanced ATM withdrawal limit, priority locker allotment, free Demat Account

and lower interest rates on loans, to name a few.

Sweep-In Account: A fixed deposit linked to your Savings Account. So, even if your

Savings Account runs a bit short, you can issue a cheque (or use your ATM Card). The

money is automatically swept in from your fixed deposit into your Savings Account.

Super Saver Account: Gives you an overdraft facility up to 75% of your Fixed Deposit. In

an emergency, you can access your funds while your Fixed Deposit continues to earn high

interest.

Apart from Regular and Premium Current accounts, HDFC Bank Plus, a Current Account

and then some more. You can transfer up to Rs. 50 lakh per month at no extra charge,

between the four metros. You can also avail of cheque clearing between the four metros,

get cash delivery/pickup upto Rs. 25,000/-, home delivery of Demand Drafts, at-par

22
http://www.hdfcbank.com/RI/RI-pb-sav-reg-intro.htmhttp://www.hdfcbank.com/RI/ri-pb-sav-pref-intro.htmhttp://www.hdfcbank.com/RI/RI-PB-FD-sweep-intro.htmhttp://www.hdfcbank.com/RI/RI-PB-FD-super-intro.htmhttp://www.hdfcbank.com/RI/RI-pb-sav-reg-intro.htmhttp://www.hdfcbank.com/RI/ri-pb-sav-pref-intro.htmhttp://www.hdfcbank.com/RI/RI-PB-FD-sweep-intro.htmhttp://www.hdfcbank.com/RI/RI-PB-FD-super-intro.htm


23/107

cheques, outstation cheque clearance facility, etc.

Demat Account: Conduct hassle-free transactions on your shares. You can also access your

Demat Account on the Internet.

Innovative services for your convenience...

PhoneBanking: 24-hour automated banking services with 39 Phone Banking numbers

available.

ATM 24-hour banking: Apart from routine transactions, you can also pay your utility bills

and transfer funds, at any of our ATMs across the country all year round.

Inter-city/Inter-branch Banking: Access your account from any of our 455 branches in 207

cities.

NetBanking: Access your bank account from anywhere in the world, at anytime, at your

own convenience. You can also view your Demat Account through NetBanking.

International Debit Card: An ATM card you can shop with all over the country and in over

140 countries with. You can spend in any currency, and pay in Rupees.

MobileBanking: Access your account on your mobile phone screen at no airtime cost. Use

SMS technology to conduct your banking transactions from your cellphone.

BillPay: Pay your telephone, electricity and mobilephone bills through our ATMs, Internet,

phone or mobile phone. No more standing in long queues or writing cheques.

Loans for every need

Now, our loans come to you in easy-to-pay monthly installments, and are available with

23
http://www.hdfcbank.com/RI/ri-pb-de-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/Ri/RI-EAGE-ATM-intro.htmhttp://www.hdfcbank.com/RI/RI-branch1.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-BP-intro.htmhttp://www.hdfcbank.com/RI/ri-pb-de-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/Ri/RI-EAGE-ATM-intro.htmhttp://www.hdfcbank.com/RI/RI-branch1.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-BP-intro.htm


24/107

easy documentation and quick delivery.

Personal Loans: Take a loan of up to Rs. 3 lakh for a wedding, education, purchase of a

computer or an exciting holiday.

New Car Loans and Used Car Loans: Finance up to 90% of the cost of a car, new or used!

And the loans come to you with easy documentation and speedy processing at attractive

interest rates.

Loans Against Shares: Get an overdraft up to Rs. 10 lakh at an attractive interest rate

against physical shares, up to 50% of the market value of your shares. In case of Demat

Shares, you can get a Loans Against Shares of up to 65% of the market value of your

shares, till Rs. 20 lakh.

Two Wheeler & Consumer Loans: To help you buy the best durables for your home.

Demat Account: Protect your shares from damage, loss and theft, by maintaining your

shares in electronic form. You can also access your demat account on the internet.

Current Account: Get a personalised cheque book, monthly account statements, inter-

branch banking and much more.

Mutual Funds: Apart from a wide choice of mutual funds to suit your individual needs, you

benefit from expert advice on choosing the right funds based on in-depth market analysis.

24
http://www.hdfcbank.com/ri/RI-loan-personal-intro.htmhttp://www.hdfcbank.com/RI/RI-loan-newcar-intro.htmhttp://www.hdfcbank.com/ri/RI-LOAN-USED-CAR-intro.htmhttp://www.hdfcbank.com/RI/RI-LOAN-LAS-intro.htmhttp://www.hdfcbank.com/RI/RI-loan-consumer-intro.htmhttp://www.hdfcbank.com/ri/ri-pb-de-intro.htmhttp://www.hdfcbank.com/ri/ri-pb-cur-reg-intro.htmhttp://www.hdfcfund.com/http://www.hdfcbank.com/ri/RI-loan-personal-intro.htmhttp://www.hdfcbank.com/RI/RI-loan-newcar-intro.htmhttp://www.hdfcbank.com/ri/RI-LOAN-USED-CAR-intro.htmhttp://www.hdfcbank.com/RI/RI-LOAN-LAS-intro.htmhttp://www.hdfcbank.com/RI/RI-loan-consumer-intro.htmhttp://www.hdfcbank.com/ri/ri-pb-de-intro.htmhttp://www.hdfcbank.com/ri/ri-pb-cur-reg-intro.htmhttp://www.hdfcfund.com/


25/107

International Credit Card: Get an option of Silver, Gold, or Health Plus Credit card,

accepted worldwide from a world-class bank. If you have outstanding balance on your

other credit card, you can transfer that balance to this card at a lower interest rate.

NRI Services: A comprehensive range, backed by unmatched features and world-class

service, ensures NRIs all the banking support they need.

Forex Facilities: Avail of foreign currency, travellers cheques, foreign exchange demand

drafts, to meet your travel needs.

Insurance: HDFC Bank now brings you Life Insurance and Pension Solutions like Risk

Cover Scheme, Savings Scheme, Childrens Plan and Personal Plan from HDFC Standard

Life Insurance Co. Ltd.

Savings Account

Presenting the only e-Age Savings Account that keeps pace with your growing needs. It is

a unique savings account in India, which helps you withdraw or deposit cash through wide

network ofbranches and ATMs across India.

Enjoy the comforts of FREE PhoneBanking, MobileBanking and NetBanking from

practically anywhere, anytime with your savings account.

Use yourInternational Debit Card to shop at over 80 lakh establishments in 140 countries.

Pay your electricity, mobile phone and telephone bills through the phone, Internet or the

25
http://www.hdfcbank.com/creditcard/cc_home.asphttp://www.hdfcbank.com/nri/nri-home.htmhttp://www.hdfcbank.com/nri/nri-vas-forex.htmhttp://www.hdfcinsurance.com/http://www.hdfcbank.com/ri/RI-branch1.asphttp://www.hdfcbank.com/ri/RI-EAGE-ATM-locate.asphttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/creditcard/cc_home.asphttp://www.hdfcbank.com/nri/nri-home.htmhttp://www.hdfcbank.com/nri/nri-vas-forex.htmhttp://www.hdfcinsurance.com/http://www.hdfcbank.com/ri/RI-branch1.asphttp://www.hdfcbank.com/ri/RI-EAGE-ATM-locate.asphttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-INT-DEBIT-intro.htm


26/107

ATM with the unique BillPayFacility. All this is yours for a minimum balance ofjust Rs.

5000/-.

Salary Account

When your company opts for the HDFC & ICICI Bank Corporate Salary Account

programme, you get more than just a Savings Account. You get a superior banking

experience plus a host of value-added services. And an e-Age banking account that is

accessible 24 hours a day, 7 days of the week, 52 weeks of the year. Through free

NetBanking, MobileBanking,PhoneBanking facilities, wide network ofATMs and

branches across the country.

You and your colleagues get the convenience of having your salaries credited directly, a

free International Debit Card, Overdraft facility, plus free Demand Drafts* and preferential

interest rates on Personal Loans.

Kid's Bank Account

Isn't it wonderful that someone is looking after your child's financial growth? That there is

a bank, which values your child's future. And introduces a whole new world of

possibilities.

And the Kid's Advantage Account.

The Kids Advantage Account is specially designed keeping your child's future in mind.

26
http://www.hdfcbank.com/RI/RI-EAGE-BP-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-locate.asphttp://www.hdfcbank.com/ri/RI-branch1.asphttp://www.hdfcbank.com/ri/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-BP-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-locate.asphttp://www.hdfcbank.com/ri/RI-branch1.asphttp://www.hdfcbank.com/ri/RI-EAGE-INT-DEBIT-intro.htm


27/107

Defence Salary Account

When you opt for the HDFC Bank as well as ICICI Defence Salary Account programme,

you get more than just a Savings Account. You get a superior banking experience plus a

host of value-added services. And an e-Age banking account that is accessible 24 hours a

day, 7 days of the week, 52 weeks of the year. Through freeNetBanking,MobileBanking,

PhoneBanking facilities and over 1054 ATMs and 455 branches in 207 cities across the

country.

You can get the convenience of having your salaries credited directly, a free International

Debit Card, free collection of outstation cheques, plus free Demand Drafts and preferential

interest rates on Personal Loans.

Pension Saving Bank Account.

The Central Government Civil Pension Scheme operated by the Central Pension

Accounting Office (CPAO) and Employees Pension scheme 1995 under Employees

Provident Fund Organisation (EPFO) have appointed HDFC Bank as well as ICICI Bank

as Pension Disbursement Agency. This Pension Saving Bank Account is operational from

all the Branches of the Bank throughout the country.

Current Account

In today's fast-paced business, you frequently need to transfer funds in and across cities,

and time is of the essence. HDFC Bank PlusCurrent Account gives you the power of inter-

city banking with a single account.

From special cheques that get treated at par with local ones in any city where we have a

27
http://www.hdfcbank.com/RI/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/RI/RI-EAGE-INT-DEBIT-intro.htm


28/107

branch, to free inter-branch transfers of up to 100 lakhs, our priority services have become

the benchmark for banking efficiency.

Trade Current Account

In today's changing busines requirements, you need to transfer funds across cities, and time

is of the essence. HDFC Bank as well as ICICI Bank Trade Current Account gives you the

power of inter-city banking with a single account.

From special cheques that get treated at par with local ones in any city where we have a

branch, to free inter-branch transfers of up to 25 lakhs, our priority services have become

the benchmark for banking efficiency.

Premium Current Account

Your business needs a partner who can manage your finances while you concentrate on

growing your business. Making your funds easily accessible wherever your business

expands.

Introducing the HDFC & ICICI Bank Premium Current Account

A Current Account with the benefits of accessing your account from a large network of

branches, and through direct access channels - thephone, mobile, Internet and through the

ATM.

Enter into a profitable relationship and access all the privileges flowing your way.

28
http://www.hdfcbank.com/ri/RI-branch1.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-intro.htmhttp://www.hdfcbank.com/ri/RI-branch1.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-intro.htm


29/107

Regular Current Account

Money transactions are at the heart of most business relationships. Your bank's support and

services can make all the difference in closing a deal, and maintaining goodwill with

business associates.

The HDFC Bank Current Account gives you access to a large network ofbranches across

India. We also give you 4 direct access channels to your account - thephone, mobile,

Internet and through the ATM. So you can do your banking at your convenience, not your

bank's.

Reimbursement Current Account

Introducing the Bank Reimbursement Account . It completely eliminates the necessity of

counting and recounting cash, and the tedious paperwork and receipts involved. For those

employees who already have Salary Accounts with us, all you do is open a Reimbursement

Account and simply ask your company to credit the cash payments directly into the

account.

It"s as easy as that. You will appreciate its numerous benefits too. For instance, no more

worries about carrying large amounts of cash around with you. Since it is separate from the

Salary Account, it"s also so much easier for you to maintain and track all the cash

payments in the Reimbursement Account. And with HDFC Bank"s world-class banking

29
http://www.hdfcbank.com/ri/RI-branch1.asphttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-intro.htmhttp://www.hdfcbank.com/ri/RI-branch1.asphttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-MobileBanking-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-intro.htm


30/107

services and facilities, you can access the account, anytime and from anywhere in the

world.

Fixed Deposit

Urgent needs never announce themselves. But you always have to be prepared for them.

What better way to save than a Fixed Deposit in ICICI BANK, a leading private sector

bank in India?

Regular Fixed Deposit.

You can actually have a combination of a Fixed Deposit and a Savings or Current

Account. With the Super Saver Account from HDFC Bank. You can enjoy an overdraft

facility of up to 75% of your Fixed Deposit funds without breaking the Fixed Deposit or

losing interest on it.

What's more, this account has high interest of a Fixed Deposit and the liquidity of a

Savings or Current Account as well. This along with a host of other benefits is available to

you with our Super Saver Account.

Now make the most of having a Fixed Deposit Account linked to a zero balance Savings

Account/Current Account. The Sweep-In facility gives you the high interest rates of a

Fixed

Deposit and the liquidity of a Savings Account/Current Account.

30


31/107

So when you need funds urgently it is transferred from your Fixed Deposit to your account

automatically. This also lessens the possibility of a cheque being returned due to

insufficient funds. The Sweep-In Account gives you this and a host of other benefits.

Demat Account

Mutilated certificates, lost certificates, postal delays and counterfeit shares are a thing of

the past. Enter a world of safe, secure and convenient buying, selling and transacting

without suffering endless paperwork and delays. Convert your securities to electronic

format with the HDFC Bank as well as ICICI Bank Demat Account. It's as easy as opening

a bank account.

HDFC Bank as well as ICICI Bank provides you with online access to your Demat

Account, so that you can check your holding using theNetBanking facility.

Preferred Account

It's a privilege open to only a select few and, to that end, the Preferred Programme has been

defined with only one thing in mind- to help you take care of the more important things in

life.

Your personal Relationship Manager will provide multiple financial products and services,

that include: Banking transactions, Forex, Wealth Management, Demat, Loan Against

Shares and Auto/Personal Loans. Needless to say, you will be offered preferential rates

over a host of HDFC Bank products.

31
http://popupviewdemo%28%29/http://popupviewdemo%28%29/


32/107

You just have to think of it, and it shall be done.

Take a closer look and discover the privileges of being a Preferred customer.

Personal Loan

A wedding in the family. Maybe your house needs renovation. Or your daughter has

obtained admission to a medical college. These are moments in life when you may need a

helping hand. That's when you can rely on HDFC Bank Personal Loan. We offer all kind of

personal loan meeting your personal requirements in India.

The procedures are simple, documentation is minimal and approval is quick.

Advantages of our Personal Loan Services

Speedy loan approval

Flexibility to borrow Rs 25,000/- to 10,00,000/- depending on your needs.

Applying for a personal loan is absolutely simple. Just fill the online Apply Now form and

our representative will get in touch with you shortly.

You could also call ourPhoneBanking service and our customer service representative will

call on you, at your convenience.

Two Wheeler Loans

32
http://www.hdfcbank.com/loan/loanapplynow.asphttp://www.hdfcbank.com/ri/ri-eage-phb-numbers.htmhttp://www.hdfcbank.com/loan/loanapplynow.asphttp://www.hdfcbank.com/ri/ri-eage-phb-numbers.htm


33/107

Imagine getting around with the Two wheeler of your dreams and Cruise down the

highway on your brand-new bike, only with HDFC Banks Two Wheeler Loan. We double

the joy with Quick approvals, flexible payment options and easy repayment. This loan is

the easiest way for you to start zipping off on the bike of your dreams

Just give us a call and we'll help fulfill your dreams. The procedures are simple,

documentation is minimal and approval is quick. You can also apply online and we will get

a representative to get in touch with you.

So why wait? Get in touch with us right away

Advantages of our Two Wheeler Loan Services

Speedy loan approval

Flexible repayment options, ranging from 12 to 36 months available even at the point of

purchase.

Repay through post-dated cheques with easy EMIs.

Lowest interest rates.

Schemes to suit your Needs/ Plan

Various models to choose from

Free gifts from time to time on approval of your Two Wheeler Loan. Get a FREE Hand

Blender today. (Hurry!! Offer Valid upto 31st March' 05)

No guarantor required.

Commercial Vehicle Loan

33


34/107

Are you looking at finance or loan options for the purchase of your truck, bus, tipper or

light commercial vehicle ?

You are looking at the right place. We offer hassle-free Commercial Vehicle Loan with the

best terms for funding at the most attractive rates in India.

Loans are extended for Purchase of

Commercial Vehicles - Loans for LCVs (Light commercial vehicles, HCVs (Heavy

Commercial Vehicles), MCVs (Medium Commercial Vehicles), Three Wheelers

(This includes buses, trucks, tempos, tippers)

We provide funding for all models of Telco, Ashok Leyland, Swaraj Mazda,

Eicher, Bajaj Tempo, Volvo etc. The choice is entirely yours.

Car Loan - New Car Loans

You have spent a lot of time thinking about the make, model and colour of your car. Now

you don't have to spend a moment more than necessary to bring it home.

Just get in touch with us for a car loan to buy a new car and see how simple the car buying

experience can be. HDFC Bank's Car Loans Scheme is the most convenient way to get a

loan for your new dream car.

Isn't it time you stepped on the accelerator?

Advantages of our New Car Loans Services

34


35/107

Speedy processing - within 48 hours.

Covers the widest range of cars and multi-utility vehicles in India.

Whatever the car you choose, we finance you, for up to 90% of its invoice value.

Flexible repayment options - 12 to 60 month period.

Attractive car loan plans.

Among the lowest interest rates.

Hassle-free documentation.

Prepayment - prepay the loan anytime after 6 months at a small charge.

Special rates for HDFC Bank account holders.

Car Loan - Used Car Loans

Today, used car of reliable quality and good value for money are readily available. HDFC

Bank Used Car Loans puts you in the driver"s seat. Flexible options are available for most

models at competitive interest rates, and quick approvals. What's more, HDFC Bank also

helps you select good quality used cars and even value them.

Advantages of our Used Car Loans Services

You can choose any car manufactured in India within a certain age*.

Choose flexible loan repayment schedules.

Get up to 80% finance of the value of the car.

Repay in easy installments of 12 to 48 months.

Avail of the lowest interest rates.

If you are an HDFC Bank account holder, we have got special benefits for you.

35


36/107

* 6 years for premium vehicles, 7 years for standard vehicles and up to 8 years (only for

salaried individuals) on select vehicles.

Where and How can you apply

Applying for a Used Car Loans is absolutely simple. Just fill the online Apply Now form

and our representative will get in touch with you shortly.

You could also call ourPhoneBanking service and our customer service representative will

call on you, at your convenience.

Loan Against Securities

Is your money blocked in high yielding securities viz Equity Shares, Mutual Fund Units,

GOI Relief Bonds, LIC Policies, IMDs/RIBs.

No problem! Apply for an e-Instant Loan, and in just 60 seconds you can find out exactly

how much overdraft you can draw against your securities, while still retaining ownership.

And if you are eligible, you will have the money in your hands in a few days.

Overdraft facility also against LIC Policies , Government of India Relief Bonds and

RIBs/IMDs.

What's more, by applying online, you get a preferential interest rate. And the best part is

that you can continue to enjoy all your shareholder benefits such as rights, dividends and

bonuses.

36
http://www.hdfcbank.com/loan/loanapplynow.asphttp://www.hdfcbank.com/ri/ri-eage-phb-numbers.htmhttp://www.hdfcbank.com/hdfc_zip/las/loaninst.asphttp://openwindow%28%27ri-loan-laspop.htm/#lic','comp','width=550,height=220,scrollbars=no,menubar=no,left=10,top=0');http://openwindow%28%27ri-loan-laspop.htm/#gov','comp','width=550,height=330,scrollbars=no,menubar=no,left=10,top=0');http://openwindow%28%27ri-loan-laspop.htm/#imd','comp','width=550,height=320,scrollbars=no,menubar=no,left=10,top=0');http://www.hdfcbank.com/loan/loanapplynow.asphttp://www.hdfcbank.com/ri/ri-eage-phb-numbers.htmhttp://www.hdfcbank.com/hdfc_zip/las/loaninst.asphttp://openwindow%28%27ri-loan-laspop.htm/#lic','comp','width=550,height=220,scrollbars=no,menubar=no,left=10,top=0');http://openwindow%28%27ri-loan-laspop.htm/#gov','comp','width=550,height=330,scrollbars=no,menubar=no,left=10,top=0');http://openwindow%28%27ri-loan-laspop.htm/#imd','comp','width=550,height=320,scrollbars=no,menubar=no,left=10,top=0');


37/107

Advantages of our Loan Against Securities Services

e-Instant Loans: Online eligibility approval in 60 seconds, loan disbursement in 72 hours.

Overdraft facility can be availed against pledge of Equity Shares, Mutual Fund units, GOI

Relief Bonds or LIC Policies, RIBs/IMDs.

Preferential rate of interest for online applications.

Pay interest only on the amount outstanding and only for the time you use it.

Interest is calculated on the daily outstanding balance and debited to your account every

month end.

Shares can be pledged from any Depository (NSDL or CDSL) and any Depository

Participant across the country.

For availing of the overdraft facility, the securities need not necessarily be in your name.

What's more, we also offer you the following features

Minimum loan amount : Rs. 50,000/-

Drawing Power

Demat Shares Demat Shares up to 50% of the value

Mutual Funds Mutual Funds up to 50% of the value

The contribution of a single scrip should not exceed 65% of the total portfolio value at any

point of time during the tenure of the account.

37
http://www.hdfcbank.com/hdfc_zip/las/loaninst.asphttp://openwindow%28%22/ri/demat.asp%22,%22%22,%22width=680,height=410,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)http://openwindow%28%22/ri/mutual.asp%22,%22%22,%22width=680,height=410,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)http://www.hdfcbank.com/hdfc_zip/las/loaninst.asphttp://openwindow%28%22/ri/demat.asp%22,%22%22,%22width=680,height=410,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)http://openwindow%28%22/ri/mutual.asp%22,%22%22,%22width=680,height=410,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)


38/107

Single Scrip Lending

Lending upto 50% of the value.

HDFC Bank to be the Depository Participant.

Maximum Loan Amount Rs. 20 Lakhs

To receive the overdraft amount, a Current Account is created in your name into which, we

will create an overdraft limit.This entitles you to all the Current Account benefits like

FREEInternational Debit Card

FREEATM facility enabling anytime access to your account from all the ATMs around

the country.

FREEPhoneBanking- allowing 24-hour access to your account.

FREENetBanking - allowing 24-hour access to your account.

A personalised cheque book for enhanced security.

Detailed statement showing the current value of your portfolio and the securities pledged

by you.

Loan Against Property

Expand your business, plan a dream wedding, or fund your child's education.....

HDFC Bank as well as ICICI Bank brings to you Loan Against Property. You can now

take a loan against your self occupied residential or commercial property and enhance the

value of your property.

Get a loan of upto Rs. 1 crore and repay it in easy Equated Monthly Instalments (EMI's).

Gain

38
http://openwindow%28%22/ri/single.asp%22,%22%22,%22width=680,height=410,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)http://www.hdfcbank.com/ri/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htmhttp://openwindow%28%22/ri/single.asp%22,%22%22,%22width=680,height=410,scrollbars=yes%20,menubar=no,location=no,left=0,top=0%22)http://www.hdfcbank.com/ri/RI-EAGE-INT-DEBIT-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-ATM-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-PHB-intro.htmhttp://www.hdfcbank.com/ri/RI-EAGE-NETBK-intro.htm


39/107

from your property without giving it on rent or selling it.

Advantages of HDFC Bank as well as ICICI Bank Loan Against Property

Through its unique product features Bank offers following benefits:

Loans up to 60% of the market value.

Attractive interest rates in comparison with other forms of borrowings.

Speedy Processing.

Flexible surrogate income products structured to suit your needs.

Tenure up to 10 years.

Home Loans

Buying a property requires a complete knowledge of real estate and in today's complex

financial market it is difficult to choose the appropriate home loan company. HDFC Bank

as well as ICICI Bank brings home loans at your doorstep. With over 25 years of

experience of our parent company HDFC Bank as well as ICICI Bank and their dedicated

team of experts offering a complete package to meet your housing finance needs, and ever

eager to guide you with a basket of value added products and services.

That's why we say, any one can offer you housing finance, but only the most experienced

can guide you completely.

HDFC Bank as well as ICICI Bank offer you home loan parent company, for buying or

constructing homes, re-finance a home loan availed from other institutions or even to

extend or improve your existing home. We also offer finance for purchase of loan from

39


40/107

approved agencies to help you construct a home of your choice. You could acquire a self-

contained flat in an existing or proposed co-operative society, in an apartment owners

association or even an independent single-family or multi-family bungalow or row house.

The benefits of availing a loan from HDFC Bank as well as ICICI Bank

Option to choose your loan as Fixed Rate or Floating Rate

Option to structure your loan as Partly Fixed or Partly Floating.

In-house scrutiny of Property documents for your complete peace of mind

Option to choose flexible repayment option to suit your individual needs

Option to apply for a loan from the comfort of your office or residence.

Option to structure your loan as Partly Fixed or Partly Floating.

In-house scrutiny of Property documents for your complete peace of mind

Option to choose flexible repayment option to suit your individual needs

Option to apply for a loan from the comfort of your office or residence.

40


41/107

Credit Cards

Silver Credit Card

The Highlights

The HDFC Bank International Silver Credit Card offers you the best features a card can

provide along with the conveniences offered by a bank. Be it low interest balance transfer

facility or comprehensive insurance cover, each of its features will help you manage your

finances better and leave you free to live a better life.

Choose which of these features* you would benefit from the most...

- Balance Transfer at a lower interest rate

- Hassle-free travel

- Utility bill payments made easy

- Repaying loyalty with interest

- Wide acceptance

- Cash at your fingertips

- Add-on Cards

- Save while you spend (Reward Points)

- Privileged Pricing on Loans

- Repayments made easy

41
http://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#tbhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#hthttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#ubpmehttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#rlwihttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#wahttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#caufhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#achttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#swyshttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#ppolhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#rmehttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#tbhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#hthttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#ubpmehttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#rlwihttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#wahttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#caufhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#achttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#swyshttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#ppolhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#rme


42/107

- No liability on lost card

- Protecting you through insurance

Balance Transfer at a lower interest rate

Most cards charge interest at the rate of 2.95% per month. Transfer the same balance to

HDFC Bank's credit card and you will pay interest at the rate of only 1.65% per month. For

existing customers of HDFC Bank, we offer a special rate of 1.45% per month for 6

months.Why pay more when you have another way out ? Click here for details.

Hassle-free travel**

Travel bookings were never so easy. Dreams of a quiet family vacation are often ruined by

hassles of travel bookings. Now with the HDFC Bank International Silver Card, book your

train and air tickets from the comfort of your home or office.

Train Bookings

Forget those long queues at railway ticket counters and enjoy the convenience of booking

train tickets from your home. Our tie-up with SITA Travels for booking of train tickets,

will ensure that you can now get train tickets delivered to you at your home. Nominal cost

for delivery is charged.

Airline bookings

Avail a 3.5% discount on domestic and 5.5% discount on international travel as a valued

HDFC Bank card holder.

42
http://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#nlflychttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#pytihttp://www.hdfcbank.com/creditcard/transferandsave/CC_whatisbaltransfer.asphttp://window.open%28%27/creditcard/cardfeatures/CC_sitatravels.asp','',%20'toolbar=no,%20directories=no,%20location=no,%20%20status=yes,%20menubar=no,%20resizable=no,%20scrollbars=yes,%20left=0,%20top=0,width=600,%20height=400');void('');http://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#nlflychttp://www.hdfcbank.com/creditcard/cardfeatures/cc_highlights.asp#pytihttp://www.hdfcbank.com/creditcard/transferandsave/CC_whatisbaltransfer.asphttp://window.open%28%27/creditcard/cardfeatures/CC_sitatravels.asp','',%20'toolbar=no,%20directories=no,%20location=no,%20%20status=yes,%20menubar=no,%20resizable=no,%20scrollbars=yes,%20left=0,%20top=0,width=600,%20height=400');void('');


43/107

Utility bill payments made easy

Bill Payments were never so easy. Call our 24-hour Customer Call center and request a Pay

Order / Demand Draft to be sent to you. Pay your insurance premium, electricity /

telephone / mobile bills using this service.

Note : The Utility Payments will be adjusted to your available cash limit and will attract

interest from the date of processing. This service is currently available in select cities for

select utilities companies only.

Repaying loyalty with interest

This feature is unique to our card and has been designed as a token of appreciation for the

extended use of our card. The longer you are with us, the lesser you have to pay. So on

renewal, we reduce the interest rate on your outstanding amount from 2.95% per month to

2.75% per month.

Wide Acceptance

The HDFC bank credit card is one of the most widely accepted credit cards.

Accepted at over 110,000 merchant establishments across India and Nepal and close to 18

million VISA accepting establishments around the world.

Cash at your fingertips

Step into any one of our 615 ATMs and withdraw cash upto 30% of your credit limit. You

may also use any of the VISA member ATMs for withdrawal at a very nominal charge.

43


44/107

Besides withdrawing cash you can also use the HDFC Bank ATMs to :

Check the available cash limit

Do a PIN change

Do a funds transfer

Make credit card payments

Add on Cards

Get up to 3 supplementary cards for your spouse, parents, siblings (own brother/sister), son

and/or daughter (over 18 years) and allow them to enjoy the many benefits of a HDFC

Bank International Silver Credit Card.

Save while you spend

Spending has never been as much fun!! HDFC Bank's credit card revolutionizes the

meaning of the word spend. Here every purchase means a saving!

Earn 2 reward points for every Rs. 100 charged to your card. Save these points and redeem

them for exciting gifts and offers. What's more - you can save these reward points upto 18

months.

Privilege Pricing on Loans

As a HDFC Bank International Silver Credit Card holder you get loans from the bank at

special rates. The rate discount offered is as follows:

Loan Discount Offered

Personal Loans 1 %

Car Loans 0.5 %

Used Car Loans 0.5 %

44


45/107

Gold Credit Card

The Highlights

Introducing the HDFC Bank International Gold Credit Car , customized to suit your

conveniences and make your lifestyle a truly cherishable golden experience.

Find out all the features that are offered by this card:

-Recognised the world over

- Cash Advance

- Revolving credit facility

- Interest Free Credit Period

- Comprehensive Insurance

- Travel Made Easy

- Global Travel Related Insurance

- International Business Travellers' Club (IBTC) Membership

- Exclusive Airport Lounge Facilities

- Lost Card Liability

- 24-Hour Customer Call Center

- Rewards Program

45
http://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#rwohttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#cahttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#rchttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#fcphttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#cihttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#tthttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ogtrihttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ibtcmhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ealfhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#lclhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ccchttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#rphttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#rwohttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#cahttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#rchttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#fcphttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#cihttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#tthttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ogtrihttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ibtcmhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ealfhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#lclhttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ccchttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#rp


46/107

- Financial Tracker

- Utility Bill Payments Made Easy

- Balance transfer option

- Privilege Pricing

- Cards for your entire family

- Global Emergency Assistance services from VISA

Cash Advance

In a situation where you need cash, just step into any one of our ATMs or VISA Member

ATMs and withdraw cash upto 40% of your credit limit at a very nominal charge ( Please

refer to the Schedule of charges ).

You can also use our ATMs to :

Withdraw Cash

Check the available Cash limit

Apply for a PIN Change

Pay your credit card bills.

Revolving credit facility

Financial flexibility for managing your finances. The revolving credit gives you the

flexibility to handle credit card bills, depending on what your resources are for that month.

This feature allows you to pay a minimum amount, which is 5% (subject to a minimum

amount of Rs.200) of your total bill amount or any higher amount whichever is convenient

46
http://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#fthttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ubphttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#bthttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#pphttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#aochttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#geahttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#fthttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#ubphttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#bthttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#pphttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#aochttp://www.hdfcbank.com/creditcard/cardfeatures/cc_gold_highlights.asp#gea


47/107

for you. You can then carry forward the balance to a better financial month, for which you

pay a charge of 2.95% per month.

Interest Free Credit Period

Your Card now gets you the highest Free Credit Period of upto 55 days from the date of

purchase (subject to the submission of the charge by the Merchant). Subsequently, if you

carry forward your outstanding balance you just pay a nominal interest of 2.95% p.m.

Comprehensive Insurance

To show how much we care, we have provided insurance covers against the various risks

you might face. What's special is that the Add-on Cardmember gets all the insurance covers

with the same amounts as the Primary Cardmember.

Travel Made Easy

Your Card offers you a host of travel-related benefits so that you can travel with ease and

comfort.

Air Ticketing: You can get a discount of 3.5% on domestic and 5.5% on international air

tickets and have the tickets delivered at your doorstep. All you have to do is call our

authorised travel agent and have them delivered at your doorstep*.

Rail Ticketing: Our tie-ups with an authorised travel agent(s) across the country ensure that

the tickets are delivered at your doorstep.* (subject to their availability).

47


48/107

* Nominal Charges for delivery apply.

Global Travel Related Insurance

To ensure a hassle free travel, a host of travel-related insurance covers are provided on

your card.

Loss of Baggage

Post the arrival of your flight, if your checked-in baggage is reported lost/ misplaced, you

would be reimbursed upto Rs.60,000 for international flights and upto Rs.20,000 for

domestic flights.

Loss of Air Ticket: If you happen to lose your international Air ticket during international

travel, you would be reimbursed expenses incurred in obtaining a new ticket upto

Rs.10,000.

Please read The Cardmember Agreement for the claim procedure and policy details for all

insurance related items.

Delayed Flight

If your flight gets delayed beyond 12 hours from its scheduled departure time, you would

be reimbursed upto Rs.15,000 for international flights and upto Rs.5000 for domestic

flights.

Late Baggage Arrival

You would be reimbursed upto Rs. 10,000 if your checked-in baggage is delayed by over 3

48


49/107

hours in case of international flights and over 6 hours in case of connecting domestic

flights. For domestic air travel you would be reimbursed upto Rs.5,000 if your checked-in

baggage is delayed by over 12 hours.

Loss of Passport

During international travel, if you happen to lose your Passport/ Visa, you would be

reimbursed expenses incurred in obtaining a new Passport/ Visa subject to a limit of

Rs.25,000.

Hijacking

In an unfortunate event of your flight getting Hijacked, you would be eligible to claim upto

Rs.300,000 @ Rs.12,500 per hour for international and connecting domestic flights and

upto Rs.1,50,000 @ Rs.6,250 per hour for domestic flights.

Note: The Hijacking cover is applicable upto a maximum period of 24 hours post 12 hours

of hijacking.

All the travel-related covers applicable to international flights will apply to connecting

domestic flights also. Insurance covers are not provided by HDFC Bank.

Exclusions/Limitations are applicable as per policies issued by the Insurance companies

with whom the Bank is tied up.

International Business Travellers' Club (IBTC) Membership

As our privileged customer, you shall now get a free International Business Travellers'

49


50/107

Club (IBTC) Blue Card membership which gets you discounts upto 50% at over 5500 star

hotels worldwide and upto 25% on rentals of Hertz Rent-a-Car at over 7500 locations

worldwide.

Exclusive Airport Lounge Facilities

As our esteemed Cardmember, you will now have access to Domestic and International

Airport lounges of Oberoi at Mumbai, Kolkata and Chennai*, Welcomgroup at Delhi and

Taj at Chennai** and you can enjoy the world- renowned services offered by these

lounges. You can also enjoy complimentary refreshments so that your wait is a comfortable

one. To enjoy the above facilities, you would have your Gold Card imprinted for zero value

at the reception desk as a record of your visit.

Lost Card Liability

If you happen to lose your Card, don't panic.

The first thing to do is

Call us at any of our 24-Hour Customer Call Centres and report the loss.

Please make sure that you file a Lost report for the Lost/ Stolen Card at the nearest

police station and send us the acknowledgement copy, along with a written

confirmation to, The Manager - Customer Services, HDFC Bank Cards Division

PO BOX 399, Anna Salai P.O Chennai 600002.

We will immediately block all transactions on your Card and deliver a new Card to you

free of cost.

Any fraudulent transactions after reporting the loss will be covered. If you happen to

50


51/107

recover the Card after having reported it lost, please do not use it. Cut it into 4 pieces, with

at least once through the magnetic stripe, and return it to us with a letter.

24-hour Customer Call Center

If you have a query or need any assistance, just call our 24-Hour Customer Call Centre.

Our customer service representatives are available round the clock for your assistance.

Health Plus International Credit Card Features

- Give priority to your family's health and fitness?

- Get your Health Check-ups done regularly?

- Worry about the increasing cost of quality health care?

We have an answer. "A swipe a day keeps doctor away".

Introducing HDFC Bank Health Plus International Credit Card, in association with

National Insurance Company(NIC), a leading insurance service provider and in affiliation

with MasterCard, offers you India's first credit card with a free inbuilt Cashless Mediclaim.

51


52/107

The card offers you unparalled features. Be it cashless mediclaim facility, discounts at

leading hospitals, discounts from health and fitness related brands and an add-on cover

facility. Making it an unmatched product designed keeping your good health in mind.

The HDFC Bank Health Plus Credit Card is a feature rich credit with unique features like:

1. Cashless Mediclaim

2. Discounts at participating hospitals

3. Preferred partners for a healthy life

4. Give your family the extra protection

1. Cashless Mediclaim

The card offers free mediclaim cover for Rs.50,000/- plus a critical illness cover of Rs.1.5

lakhs. The critical illness cover includes open heart surgery & CABG, Cancer, Kidney

Failure and Vascular Stroke. With this cover you can avail cashless mediclaim facility at

any of the networked hospitals of the Third Party Administrator(TPA) in any city.

2. Discounts at participating hospitals

With this card, the best of medical care would cost you less. Get fabulous discounts on

annual health check-ups, outpatient and inpatient investigations in the participating

hospitals in each city.

3. Preferred partners for a healthy life

HDFC Bank Health Plus Credit card offers unique discounts and offers from leading health

and fitness related brands.

52
http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#CashMedihttp://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#Dishttp://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#Prefhttp://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#Givhttp://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#tpahttp://openwindow%28%27/creditcard/cardfeatures/partners.htm','PARTNERS','height=380,width=616,status=no,scrollbars=yes,toolbar=no,menubar=no,location=no,top=50,left=100'),void('');http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#CashMedihttp://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#Dishttp://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#Prefhttp://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#Givhttp://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#tpahttp://openwindow%28%27/creditcard/cardfeatures/partners.htm','PARTNERS','height=380,width=616,status=no,scrollbars=yes,toolbar=no,menubar=no,location=no,top=50,left=100'),void('');


53/107

4. Give your family the extra protection

a) Add-on Float Cover

You have the option of extending the Rs.50,000 mediclaim plus a critical illness cover

Rs.1.5 lakhs cover to the add-on cardholders, be it your spouse, children, brothers or

sisters.Whats more, the add-on cardholders can avail the discounts at participating hospitals

as well as with preferred partners.

b) Purchase additional mediclaim

Provide extra cover for your family which includes your spouse, children, parents, brothers

or sisters by purchasing additional mediclaim at fabulous discounts of more than 50%.

Whats more, you can get tax break under Section 80 D of the Income Tax Act. So what are

you waiting for?

c) Life Insurance Cover

To overcome the uncertainties of life you need to plan ahead and create a circle of

protection for your family. With the HDFC Bank Health Plus Credit card you can get your

life insurance cover from Birla Sun Life Insurance at exclusive premium rates.

53


54/107

Feature Rich Credit Card :

1. Save while you spend (Reward Points)

2. Protecting through insurance

3. Balance Transfer at Lowest interest rates

4. Utility Bill payments made easy

5. Hassle Free Travel

6. Repaying Loyalty with interest

7. Wide acceptance

8. Cash at your fingertips

9. Add-on Cards

10. Privilege Pricing on Loans

11. Repayments made easy

12.No liability on lost card

1. Save while you spend (Reward Points)

Use your credit card and earn reward points. For every Rs.100 spent using your credit card

earn 1 reward point. You can redeem the reward points for house-holder's insurance which

includes, fire insurance, burglary insurance and breakdown insurance or for exciting gifts.

What's more - you can save the reward points upto 18 months.

2. Protecting through insurance

The HDFC Bank Health Plus Credit Card offers you the most comprehensive insurance

package at no additional cost. In case of death in an accident. If the cardholder loses his life

54
http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#1http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#2http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#3http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#4http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#5http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#6http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#7http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#8http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#9http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#10http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#11http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#12http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#1http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#2http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#3http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#4http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#5http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#6http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#7http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#8http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#9http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#10http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#11http://www.hdfcbank.com/creditcard/cardfeatures/CC_health_highlights.asp#12


55/107

in an air accident, the nominated kin will receive a compensation of Rs.10 lakhs. In the

case of a rail or road accident the nominated kin will receive a compensation of Rs.2 lakhs.

3. Balance Transfer at Lowest interest rates

Most cards charge interest at the rate of 2.95% per month. Transfer the same balance to

HDFC Bank's credit card and you will pay interest at the rate of only 1.65% per month. For

existing customers of HDFC Bank, we offer a special rate of 1.45% per month for 6

months.Why pay more when you have another way out ? Click here for details.

4. Utility Bill payments made easy

Bill Payments were never so easy. Call our 24-hour Customer Call center and request a Pay

Order / Demand Draft to be sent to you. Pay your insurance premium, electricity /

telephone / mobile bills using this service.

Note: The Utility Payments will be adjusted to your available cash limit and will attract

interest from the date of processing. This service is currently available in select cities for

select utilities companies only.

5. Hassle Free Travel**

Travel bookings were never so easy. Dreams of a quiet family vacation are often ruined by

hassles of travel bookings. Now with the HDFC Bank International Health Plus Credit

Card, book your train and air tickets from the comfort of your home or office.

a) Train Bookings

Forget those long queues at railway ticket counters and enjoy the convenience of booking

55
http://www.hdfcbank.com/creditcard/transferandsave/CC_whatisbaltransfer.asphttp://www.hdfcbank.com/creditcard/transferandsave/CC_whatisbaltransfer.asp


56/107

train tickets from your home. Our tie-up with SITA Travels for booking of train tickets,

will ensure that you can now get train tickets delivered to you at your home. Nominal cost

for delivery is charged.

b) Airline bookings

Avail a 3.5% discount on domestic and 5.5% discount on international travel as also free

home delivery on all your bookings as a valued HDFC Bank card holder.

Call SITA Travels, identify yourself and enjoy these privileges or write to us at HDFC

Bank, CreditCards division, P.O.Box no 399, Anna Salai H P O, Chennai 600 002.

6. Repaying Loyalty with interest

This feature is unique to our card and has been designed as a token of appreciation for the

extended use of our card. The longer you are with us, the lesser you have to pay. So on

renewal, we reduce the interest rate on your outstanding amount from 2.95% per month to

2.75% per month.

7. Wide acceptance

The HDFC bank credit card is one of the most widely accepted credit cards. Accepted at

over 110,000 outlets across India and Nepal and 23 million Master Card accepting

establishments across the world.

8. Cash at your fingertips

Step into any one of our 615 ATMs and withdraw cash upto 30% of your credit limit. You

may also use any of the MASTER CARD member ATMs for withdrawal at a very nominal

charge. Besides withdrawing cash you can also use the HDFC Bank ATMs to:

56
http://window.open%28%27/creditcard/cardfeatures/CC_sitatravels.asp','',%20'toolbar=no,%20directories=no,%20location=no,%20%20status=yes,%20menubar=no,%20resizable=no,%20scrollbars=yes,%20left=0,%20top=0,width=600,%20height=400');void('');http://window.open%28%27/creditcard/cardfeatures/CC_sitatravels.asp','',%20'toolbar=no,%20directories=no,%20location=no,%20%20status=yes,%20menubar=no,%20resizable=no,%20scrollbars=yes,%20left=0,%20top=0,width=600,%20height=400');void('');http://window.open%28%27/creditcard/cardfeatures/CC_sitatravels.asp','',%20'toolbar=no,%20directories=no,%20location=no,%20%20status=yes,%20menubar=no,%20resizable=no,%20scrollbars=yes,%20left=0,%20top=0,width=600,%20height=400');void('');http://window.open%28%27/creditcard/cardfeatures/CC_sitatravels.asp','',%20'toolbar=no,%20directories=no,%20location=no,%20%20status=yes,%20menubar=no,%20resizable=no,%20scrollbars=yes,%20left=0,%20top=0,width=600,%20height=400');void('');


57/107

- Check the available cash limit

- Do a PIN change

- Do a funds transfer

- Make credit card payments

9. Add-on Cards

Get up to 2 supplementary cards for your spouse, parents, siblings (own brother/sister), son

and/or daughter (over 18 years) and allow them to enjoy the many benefits of a HDFC

Bank International Health Plus Credit Card.

10. Privilege Pricing on Loans

As a HDFC Bank International Health Plus Credit Card holder you get loans from the bank

at special rates.

The rate discount offered is as follows:

Loan Discount OfferedPersonal Loans 1%

Car Loans 0.5 %

Used Car Loans 0.5 %

11. Repayments made easy

Use any of the options given below to pay your credit card bills:

a) Through ATMs

Walk in to any one of the 600 and more ATMs in India, at any time for paying your credit

card dues, either by cash or by cheque. If you have an account with HDFC Bank, all you

57


58/107

have to do is transfer the bill amount from your savings or current account to your credit

card account.

b) Through NetBanking

If you have an account with HDFC Bank, and you are registered for HDFC Bank

NetBanking facility,all you have to do is transfer the bill amount from your savings or

current account to the card account on the Net, by quoting your 16-

Date post:	05-Apr-2018
Category:	Documents
Upload:	ashwanikum28
View:	227 times
Download:	1 times

Comparative Analysis of Product & Services of HDFC & ICICI

Documents