HDFC Bank Credit Card Upgrade

Interest-free period

• Interest free (grace) period could range from 20 to 50 days subject to the scheme applicable on the specific Credit Card and submission of claims by the merchant.
• Not applicable if the previous month's balance has not been cleared in full or if the Cardmember has availed cash from ATM.
• For BizBlack Metal Card, BizPower, BizGrow, BizFirst, GIGA, Micro Enterprise Card: interest free credit period ranges from 25 to 55 days.

Verified · HDFC Bank Credit Cards – Most Important Terms & Conditions (MITC) – Personal (English) · 2026-08-03 · source

Fuel surcharge waiver

• Fuel surcharge waiver applies per upgraded card variant per MITC.
• Typical: 1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5,000, maximum waiver of ₹500 per statement cycle (e.g. Regalia Gold, BizPower, Regalia group).
• For Infinia/Infinia Metal/Diners Black: 1% waiver on minimum transaction of ₹400, maximum waiver of ₹1,000 per statement cycle.
• Fuel Surcharge Waiver is capped at 1% of eligible fuel transaction amounts.
• GST on fuel surcharge will not be reversed.

Verified · HDFC Bank Credit Cards – Most Important Terms & Conditions (MITC) – Personal (English) · 2026-08-03 · source

Redemption value

• On card upgrade the total value of the existing Reward Points will be the same (except for upgrades from Millennia).
• Redemption rates are product specific and the customer must refer to the respective product website for details on redemption rates.
• Transfer of points is restricted to 100% points only.

Verified · Terms & Conditions – Credit Card Upgrade / Limit Enhancement · 2026-08-03 · source

Transfer partner

Verified · HDFC Bank Credit Card Upgrade – Process Guideline (Official) · 2026-08-03 · source

Transfer rule

• On card upgrade the total value of the existing Reward Points will be the same (except for upgrades from Millennia).
• Transfer of points is as per the conversion ratio (restricted to 100% points only).
• Redemption rates are product specific.
• RP transfer is not applicable if customer holds Business Gold/Business Platinum cards, as these are Cashback cards. 100% Reward Points transfer from Times Titanium to Times Platinum on upgrades.
• On card upgrade, existing card features become invalid and the upgraded card's features apply.
• A credit card once upgraded cannot be downgraded/transferred back to the old variant, and once upgraded with prior consent cannot be re-instated to the old card number.
• Transactions done on the old card reflect in the new card statement.
• The existing card is disabled once the customer starts using the upgraded card or within 60 days of card upgrade or on the existing card's expiry date, whichever comes earlier.

Verified · Terms & Conditions – Credit Card Upgrade / Limit Enhancement · 2026-08-03 · source

Eligibility

• Card Upgrade Offer is at HDFC Bank's sole discretion and subject to the customer fulfilling all necessary criteria.
• The application is declined if the card account is not in regular status.
• Only select HDFC Bank Credit Card customers are eligible.
• Senior Citizens and Pensioners are excluded from card upgrades.
• Business cards are issued only to Self Employed / Proprietors / Partners.
• Income evaluation: Salaried - only latest 3 months pay slips considered (ITRs not considered for salaried).
• Self-Employed - Income Tax Returns for the last two financial years plus computation of income statement.
• Upgrades from Cobrand cards (e.g. Swiggy, PhonePe, TATA Neu) to Proprietary cards and vice-versa is restricted.

Verified · HDFC Bank Credit Card Upgrade – Process Guideline (Official) · 2026-08-03 · source

Official terms

https://www.hdfc.bank.in/credit-cards/services/credit-card-upgrade.

Verified · Terms & Conditions – Credit Card Upgrade / Limit Enhancement · 2026-08-03 · source