HDFC Bank has announced new rules for selected credit card spends. From 1 July 2025, a 1% transaction fee will apply when spends cross a set monthly limit.
These categories include wallet loading, online gaming, bill payments and more.
These spends were earlier reward-restricted, but now they will also become costlier if you exceed the allowed limit.
1% Transaction Fee on Selected Spends
Below is a simple table showing the new limits and monthly charge caps:
Table: New 1% Transaction Fee Structure
Reward Program Changes
HDFC has also updated the reward system for some categories.
1. No Rewards on Online Skill Gaming
- All online skill-based gaming spends will not earn any rewards or cashback.
2. Monthly Reward Caps on Insurance Payments
Insurance spends will continue to earn rewards, but monthly caps will apply:
- Infinia: 10,000 points
- Diners Black / Black Metal / Biz Black Metal: 5,000 points
- Other HDFC Cards: 2,000 points
Cards with Their Own Reward Caps
For some cards, the existing card-level capping will continue:
Note:
HDFC Marriott Bonvoy Credit Card will not have any reward capping for insurance spends.
Why These Changes Matter
- Cardholders who use their HDFC card for wallet loads, utilities and rent may see higher monthly charges.
- High spenders on bills or gaming may need to track monthly limits to avoid the 1% charge.
- Frequent insurance payers should check the reward caps to avoid losing points.
Final Takeaway: What Should You Do Now?
- Review how you use your HDFC credit card each month.
- Try to keep spends within the new limits to avoid extra charges.
- For wallet loads, gaming or bill payments, consider using alternate payment methods after reaching the limit.
- If you pay insurance premiums through your HDFC card, remember the new reward caps to avoid losing benefits.
These revised rules apply from 1 July 2025, so planning your monthly spending can help you reduce extra charges and keep your savings intact.