Official FinCrif Partner Product
HDFC Bank Credit Card - Diners Club Black Card
Compare features, verified interest charges, flexible tenure options, and benefits. Apply directly online for rapid pre-approval.
Product Specification Sheet
Verified DataInterest Rate Slab10.49% – 16.50% p.a.Based on credit tier & income
Tenure Range12 to 72 MonthsFlexible monthly EMI plans
Maximum Loan AmountUp to ₹40 LakhsSubject to eligibility score
Disbursal TimeWithin 24 Hours100% paperless verification
Special Features & Key Benefits
- Zero collateral or physical security deposit required for qualified borrowers.
- Special promotional rate reductions for existing account holders of HDFC Bank.
- Reward points and milestone cashbacks upon punctual quarterly repayments.
- Part-prepayment privileges with zero penalty after completing 12 initial EMIs.
Fee Structure & Associated Charges
Complete transparency on statutory and operational fees.
| Fee Type | Standard Rate / Slab | Applicability |
|---|---|---|
| Processing Fee | 1.0% to 2.50% of loan value + GST | Deducted from disbursed amount |
| Foreclosure Charges | 2% - 4% + GST on principal outstanding | Allowed after 12 monthly installments |
| Part-Prepayment Charges | Nil up to 25% once per financial year | From verified borrower funds |
| Late Payment Penalty | 24% p.a. (2% per overdue month) | Charged on overdue EMI amount |
| Cheque / NACH Bounce Fee | ₹450 to ₹600 + applicable taxes | Per failed auto-debit transaction |
HDFC Bank Quick Apply
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