GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Can the value of the card be topped up
A: Yes, your ISIC ForexPlus Chip Card can be reloaded multiple times in future till the card gets expired: You can authorize the Bank to debit your HDFC Bank account by giving an HDFC Bank cheque or make payment using a local cheque drawn on HDFC Bank and reload the card for desired value. Reload requests can be made by any authorized person on your behalf. The person authorised by you for the same will need to come to bank branch and will need to provide the necessary documents to the bank to carry out reload. On receipt of the application form and the funds, your card will get reloaded for the desired amount. HDFC Bank customers can also place a request to reload the card through HDFC Bank PhoneBanking or HDFC Bank NetBanking.
Q: What about a Minor becoming a Major
A: When a minor attaining majority ( completes 18 years of age), he/she must be KYC Compliant and have a KYC Acknowledgement of their own. The same should be informed to the Mutual Fund where he/she holds an investment, along with other details such as the bank details, signature, etc. as per the present requirements of such Mutual Fund.
Q: What is the maximum investment limit for the Section 54 EC- Capital Gain Bonds
A: The maximum investment limit amount is Rs. 50 Lakhs.
Q: Is part-prepayment of a Personal Loan allowed
A: No, part prepayment is not allowed. The loan has to either be prepaid in full or serviced for the contracted tenure.
Q: What is the Cancellation procedure
A: The policy can be cancelled with a notice period of 30 days. The premium paid by you will be returned on a pro-rata basis or 25% of the annual premium whichever is higher would be retained. Any cancellation request sent after 30 days of the commencement of the policy will be refunded on pro - rata basis.
Q: How soon can the card be used after it is purchased
A: Your card will be activated & loaded with required currency within 4 hours from the bank having received clear funds from you. The card will beready for use post activation.
Q: How can I cancel my Multicurrency Platinum ForexPlus Card
A: To cancel your Multicurrency card, we request you visit our your nearest HDFC Bank branch and place a request towards cancellation the of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. Incase you do not have an account with us then a demand draft shall be issued for the respective refund amount. There are no charges towards the cancellation of a Multicurrency card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you. Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers:
Q: What is the policy term available under this product
A: There is a fixed policy term of 5 years. Further, you shall only pay premiums for the benefit(s) as long as the complete payout for that benefit has not happened. The policyholder shall have the option to choose one of the above plan options only at the time of policy inception.
Q: Are there charges I should know about Platinum Debit Card
A: Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to when shopping at a merchant location. You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice. The annual Charges for Easy Shop Platinum Debit Card is Rs.750 View more
Q: What is the limited pay term available under the plan
A: With HDFC Life ClassicAssure Plus, pay premiums for 7 years for policy terms of 10 and 15 years or pay premiums for 10 years for policy term of 15 and 20 years.
Q: What if I need the money for an emergency
A: My money is locked with you.This is a pension plan which accumulates your money for the retirement kitty. Since this is for old age, it has a restricted liquidity. You can withdraw maximum up to 1/3rd of the money in case of an emergency after 5 years of commencement of the plan. However, the rest must be converted into annuity, and will be paid periodically.
Q: What happens if my card is lost
A: In case your card gets lost or stolen, all you have to do is call HDFC Bank 24x7 PhoneBanking immediately and report the loss of your card. The card can also be hotlisted using our Prepaid NetBanking facilityIn case you have opted for a back-up card, then you can request to activate back-up card and transfer balance on your hotlisted card to the back-up card. Balance transfer will be carried out instantaneously.
Q: What is the maximum value for which the Card can be used
A: There is no limit imposed on the usage of ForexPlus Platinum Card. Customer's can withdraw/utilise any amount, upto the value loaded on ForexPlus Platinum card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.
Q: What is the amount I can get as an overdraft
A: Depending on your eligibility, the maximum amount you can avail as an overdraft is Rs. 1 Lakh. The minimum overdraft amount is Rs. 25,000.
Q: Why do I need health insurance
A: Health Insurance will protect you and your family against any financial contingency arising due to a medical emergency.
Q: Which courses can I take an education loan for (Education Loans For Indian Education)
A: You can take a Education Loan for Indian education on the following courses: Management Courses (Full-Time) – Graduation + Post Graduation Engineering Courses ( Government + Private ) - Graduation Medicine - Graduation + Post Graduation Masters in Computer Application ( MCA / MCM ) Architecture - Graduation + Post Graduation Hotel and Hospitality - Graduation + Post Graduation Agriculture - Graduation + Post Graduation Pure Science - Graduation + Post Graduation View more
Q: What do you mean by ‘switching funds’
A: Switching between funds implies that the policy holder can transfer his investments from one fund to another fund under the plan. This is usually done to change one’s investment pattern or strategy based on changes in the financial markets. For instance, one may want to switch from an equity based fund to a debt fund when the equity markets are on a downslide.
Q: What is the surrender benefit
A: If you surrender before completion of the 5th policy year, your Fund Value less applicable charges will be moved to the DPF after deducting applicable charges, if any and the proceeds from DPF will be paid out on the completion of the lock-in period. If you surrender after completion of the 5th policy year your Fund Value will be paid out to you. Upon payment of this benefit the policy terminates and no further benefits are payable. Please refer to the Product Brochure for further details and/or consult Relationship Manager.
Q: How do I make my premium payments
A: This is an annual policy, where the premium can be made via Credit Card or Cheque.
Q: Are there any additional charges for loan Prepayment
A: You may refer to the “Fees & Charges” option under the product “Loan against Property” and “Loan Against Rent Receivables”. ‘* All terms and conditions are at the Sole discretion of HDFC Bank Ltd. The bank reserves the right to change/ modify any of the above at any time.
Q: Do I have an option to avail of loans under the policy
A: The policyholder can avail a loan under the policy, provided the policy has acquired a surrender value and subject to terms and conditions as the company may specify from time to time.
Q: How is a Flexi Current account different from a regular current account
A: The Flexi account includes the following privileges: Flexibility of higher cash deposits (home location) and transactions anywhere (payments, collections and funds transfers), limits during peak seasons, since these are based on the Average Monthly Balance (AMB) maintained in the account. Calculation of free transaction limits based on balances maintained in the transaction month, leading to a high level of customization in tune with current business requirements. For example, if your season starts in November, you get a transaction limit based on the balance maintained by you in November, and not in October or September. Low minimum balance requirement of Rs. 75,000 per month. Competitive pricing on and faster Collection of Outstation Cheques. Up to 40 free Pay Orders and 40 free Demand Drafts per month. Free RTGS and NEFT Transactions. These privileges make a Flexi Current account different from a Regular Current account. View more
Q: Which course related expense does this loan cover (Education Loans For Foreign Education)
A: Apart from the basic course fee payable to the institution where you decide to study, the following expenses will be covered under the loan: Exam/Library/Lab fees Caution deposit / Refundable deposit asked by the institution / Building fund - supported by Institution bills / receipts Purchase of Books / equipments / instrument / uniforms Travel expenses / passage money for studies abroad Purchase of computers - essential for completion of the course Insurance Miscellaneous expenses related to the course - like study tours, project work, thesis, etc. View more
Q: Are ambulance charges covered under a Travel Policy
A: Emergency Medical Expenses include ambulance service (to and from the hospital).
Q: How to use Contactless Mutlicurrency ForexPlus Card
A: Look for Visa payWave/ MasterCard PayPass mark and contactless logo at the Point of Sale terminal machine at merchant outlet Check the transaction amount displayed on the machine screen and tap/ wave your Contactless MultiCurrency Card from a 4 cm range Enter your 4-digit ATM PIN on the machine, if prompted A green light will signal indicating that the transaction is complete
Q: What is the frequency in which I can invest my money
A: Single, Annual, Half-yearly, quarterly or monthly
Q: Do I need to have an account HDFC Bank account to purchase the HDFC Bank eGiftPlus Card
A: No, you do not need to have a HDFC Bank account to purchase this. You can use any bank's NetBanking or Debit/Credit Card. (Visa, Master, Diners)
Q: How much is the currency conversion service tax applicable at the time of Load, Reload and Refund
A: Following are the currency conversion service tax slabs applicable at the time of Load, Reload and Refund: Buy and Sell Forex Currency Service Tax Amount Up to Rs. 1 lakh 0.14% of the gross value or Rs. 35/- whichever is higher From Rs. 1 lakh to Rs 10 Lakhs Rs. 140 plus 0.07% of the amount exceeding Rs. 1 lakh From Rs. 10 lakhs and above Rs. 770 plus 0.014% of the amount exceeding Rs. 10 Lakhs, subject to a maximum of Rs. 7000
Q: Where do I get this card
A: Contactless Multicurrency ForexPlus cardis available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with the Multicurrency card. The card will get activated within 5 to 6 hours from realization of funds. Alternatively existing bank customers can apply for the card by logging in to HDFC Bank NetBanking by selecting Purchase Forex Card option under Cards tab.
Q: I have renewed my passport with new number. Do I need to update my new Passport number in my ISIC ForexPlus Chip Card
A: Yes, we request you to get in touch with nearby branch along with original & copy of your passport to get the new passport number updated in the bank's records. Passport number is key validation criteria to check caller authenticity when you contact our 24 x 7 PhoneBanking service, hence it is recommended to update Passport number at the earliest.
Q: Which are the factors one should consider while choosing a Health Insurance Plan
A: We should check for the following factors while choosing a Health Insurance Policy: Guaranteed Renewability Types of exclusions and period of exclusion Any extra premium to be paid Day care procedure coverage Type and amount of No Claim bonus Availability of cash less service Longer duration of policy with Life Long renewability Shorter duration of pre-existing disease exclusion Sum insured high enough to provide adequate protection No change in premium every year, even if you claim Availability of no claim bonus Number of Day Care procedures covered Coverage for maternity and its complications Availability of Hospital Cash Benefit Cashless service at large network of hospitals View more
Q: Can the vesting age be post-poned or pre-poned
A: No, policy term can’t be changed thus vesting age can’t be pre or postponed
Q: What do I do if I am not able to avail merchant offers
A: Do not worry if you are not able to avail the offers at your disposal. Any issue related merchant or code not working or bar code not getting read, just write to [email protected]
Q: How do I get the activation code
A: Your activation code is provided to you in your HDFC Bank Multi Currency ForexPlus Platinum Card kit and can be found on the Card Mailer beneath the card plastic.
Q: What is meant by disease
A: Disease means a pathological condition of a part, organ or system resulting from various causes such as infection, pathological process or environmental stress and characterised by an identifiable group of signs or symptoms.
Q: Can I get the benefit of Verified by Visa/ MasterCard SecureCode security at online stores that are not participating in the service
A: No. you can only get the benefits of Verified by Visa/ MasterCard SecureCode at the participating online stores. However a number of online stores have the service available to them. In the meantime, if an online stores you trust is not yet participating; you can perform the transaction using NetSafe. Click here to know more. View more
Q: Why do I require Travel Insurance
A: Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International trip. No matter what the purpose of your travel, business or pleasure, you are safer with Overseas Travel Insurance that will protect you from unfortunate events such as loss or delay in checked-in baggage, loss or passport, a medical emergency or an accident.
Q: Is there any death benefit for this plan
A: HDFC Life Cancer Care plan aims to aid the expenses to survive through the dreaded disease like Cancer. Hence it has benefits linked to diagnosis and treatment of disease and no death benefit is payable.
Q: Can I use the DCC/ MCC option at the time of transaction
A: Whenever ForexPlus cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ForexPlus cardholder to opt for DCC/MCC while using ForexPlus Chip card for making payments. Please note that every cross currency transaction attracts currency conversion charges at applicable rates. Apart from this, the cardholder will also get penalised due to fluctuation in currency conversion rate.
Q: What are the benefits available under Life Option
A: Under this option your nominee will get a Lump sum Benefit on death or diagnosis of Terminal Illness. Your future premiums will be waived upon Accidental Total Permanent Disability. These benefits are available under all plan options
Q: What is the Maturity Benefit available under this plan
A: Your policy matures at the end of the policy term and all your risk cover ceases. On maturity of the policy, provided all due premiums have been paid, the Life Assured will receive higher of: - Fund Value - Assured Maturity Benefit (as defined below) Assured Maturity Benefit = (101% * “Total Premiums” paid till date) less the Total Partial Withdrawals made till date (if any) Where “Total Premiums” shall be: - For Single Pay policies : Single Premium - For Limited Pay policies : 5 times the Annualised Premium Please note that the Assured Maturity Benefit will be paid only on policy maturity provided all due premiums have been paid and will not apply on death or surrender. Upon payment of the maturity benefit, the Policy shall terminate and no further benefits are payable.
Q: Is there an age limit for opting HDFC Ergo Personal Accident Insurance policy
A: Personal Accident Insurance is open to everyone from the age of 18 years to 65 years.
Q: What do I need to know about the HDFC Bank FoodPlus Card
A: The HDFC Bank FoodPlus Card is an electronic prepaid card designed for meal allowances.
Q: Does this require Car verification / Valuation
A: Non-HDFC Bank financed cars will undergo car valuation and verification. If your car is HDFC Bank financed, it may undergo verification depending on your credit requirements.
Q: What kind of documentation is required
A: The best part of this policy is that it has hassle free documentation. All you need to do is fill the complete proposal form with relevant details and sign it .Tick any one plan and attach a cheque or fill the credit card details in the form.
Q: A person undergoes for dialysis 4 times in a week will it be covered if the basic deductible is exhausted
A: Yes, any illness payable under the Policy for which threshold gets exhausted, will be paid under Super top up.
Q: How long will my family get the monthly income for
A: Under Income Option, you family would get monthly income for 15 years. Under Income Plus Option, your family would get monthly income for 10 years – level or increasing.
Q: How many currencies can I carry on the card
A: You can carry a maximum 10 currencies on your HDFC Bank Multi Currency ForexPlus Platinum Card
Q: How soon can I get a FoodPlus card
A: FoodPlus card is a personalized VISA Card and the TAT for receiving a personalized card is 7 working days.
Q: Is it necessary to open Institutional Current Account in each location where my company has an office
A: No. With a Institutional Current Account , you enjoy the advantage of a single account with multi-location banking.
Q: What transactions are included as a part of the Free Anywhere Transactions limit for a month
A: The following transactions comprise part of the Free Anywhere Transaction limit: - Cheque deposited into the account in other cities (in local clearing) - Inter-city Payable-at-Par cheque issuance
Q: What is the maximum loan amount I can get for studies in India
A: To study in India, the maximum loan you can get is upto Rs. 10 lacs.
Q: What is the rate of interest I will earn on the balance in my Savings Account
A: Interest on a Savings Account is paid at 4.00% p.a. on a daily end of day balance, w.e.f. May 3, 2011.
Q: Can I transact on a holiday
A: Yes, you can place your request even on a holiday. However, the request will be processed on the next business day and the respective NAV will be applicable as per the Mutual Fund's offer document.
Q: Do I need to inform about my change of Income status
A: Yes. If you find an increased/decrease in your income, which will effectively change the income bracket that you have declared in the KYC Application form, you should apply to any convenient PoS in the specified form. No proof is needed.
Q: How can I cancel my Forex Plus Card
A: To cancel your Forex Plus Card, we request you to contact the PhoneBanking team or walk into your nearest HDFC Bank branch and place a request towards cancellation. Your request will be processed within one working day of us receiving the request. There are no charges towards the cancellation of a Forex Plus card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you. Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers: View more
Q: What are the different plan options under the plan
A: The plan options available under HDFC Life Sampoorn Samridhi Plus are :- Endowment – policy terminates after the maturity payout Endowment with Whole Life – life cover continues after the maturity payout till 100 years of age
Q: What Property can be considered as collateral for LARR
A: You can provide Commercial Property (Shops & Offices) leased to reputed lessees as collateral for a Loan Against Rent Receivables.
Q: Where can the Regalia ForexPlus Card be used
A: Anywhere that the Contactless payment PoS machine is available, the card can be used to tap/ wave and pay. If the machine is not available, the Contactless Card can be still being used for swipe or dip transactions.
Q: How do I obtain a NOC from the bank for fitting an LPG/CNG kit on my vehicle under finance with HDFC Bank
A: You may obtain the NOC for fitting an LPG/CNG kit on your registered vehicle under finance with us by visiting any of our the Retail Loan Service Center and submitting the following documents: Request form for LPG/CNG NOC. Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation. Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. View more
Q: How much loan can I get from Credila
A: Credila is the only lender that not only finances up to 100% of the cost of education but also gives education loan over Rs. 20 lakh.
Q: What is the validity of the offers
A: The offers has a validity of Minimum 3 months and maximum of 12 months.
Q: How do I reset my password
A: An immediate email will be sent to you after the card is issued to you for setting up your password. For resetting or changing the password you will have to login to www.timespoint.com and visit the settings tab. In case you forget the password of your account, you can try for “Forget Password” and a password reset mail will be sent to you.
Q: What is the time frame to resolve Purchase/ Online & International ATM transaction disputes
A: Approximately 45 to 120 days from receipt of the dispute depending upon the relevant franchise's ( e.g. Visa / Master / Rupay / Diners etc.) dispute resolution cycle.
Q: Can I use my Medical benefit card outside India
A: No. Medical Benefit card is INR prepaid card which can be used only in India.
Q: How do I apply for a Loan Against Rent Receivables (LARR)
A: You can apply for a Loan Against Rent Receivables in the following ways: Fill and submit in the Online Application Form and our representative will get in touch with you. Call on one of our PhoneBanking numbers provided on the website Visit your nearest HDFC Bank branch Our existing Liability customers may also get in touch with their Relationship Managers/ Personal Bankers to know more and apply for a LARR
Q: What are the Medical test charges
A: Pre agreed charges for health check up with our network provider are Rs 1000/- and Rs.1200/- per person for SET1 & SET2 respectively. On acceptance of proposals, we will reimburse 50% of the expenses.
Q: In case the card is lost or stolen or misused where I can hotlist my card
A: Card can be hot listed by calling/writing to customer service centre at the phone number and/or email address listed on the back of your card.
Q: Can I change the ATM PIN
A: There is no ATM PIN applicable for the HDFC Bank eGiftPlus Card. Only an IPIN is required to use HDFC Bank eGiftPlus Card.
Q: How do I top up the value of the card
A: Loading and reloading is as per the corporate instructions. Request from cardholder for reloading the card cannot be accepted.
Q: Is employment confirmation mandatory to open a Premium Salary Account
A: Yes, employment confirmation is required to ensure that you are an employee of the company.
Q: Can I repay my loan earlier than the due date
A: Yes you can repay your loan at any time during the loan tenure. However prepayment is not permitted within 6 months from loan disbursal date. For charge details, Click here