Feedback on HDFC Bank Silver/Platinum Credit Cards?

Question

Hi,

Can anyone tell me how good the above credit cards are for international transactions (I plan to use this in Canada and for emergency cash withdrawal only) ?

Does HDFC Bank charge for currency conversion? For my card usage, I plan to make payments through my HDFC Bank account, hence I have some preference for this, but need to know the pros and cons. Please let me know of any hidden charges etc. Though I am getting the Bank representatives to contact me, I need to know in case I maybe missing something. Thanks

Answer 1

the service is excellent, theproduct is also very good. re foreign exchange spendings you pay 3 % more than the bank rate for the day u have spent on your credit card.  when the bank rep comes to meet you take all other details from him. dont agree to pay any joining fee or annual fees. i think that is all u have to do.

if you witdraw cash from the atm on any credit card you have to pay interest of 3 % per montn on that amount and about rs 150 as precessing fee. the cash withdrawls are allowed but it comes out very expensive.