haiderullah2174/bankfaq huggingface dataset:
user
How do I top up the value a card

assistant
Loading and reloading is as per the corporate instructions. It is not possible for cardholders to request a reload.
user
Can I use the DCC/ MCC option at the time of transaction

assistant
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 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. View more
user
Must I open Premium Current account in each location where I have my company office

assistant
No. As a Premium Current account holder you have the advantage of a single account, multi-location banking facility.
user
Is there a nomination facility

assistant
Yes, there is a nomination facility on the Recurring Deposit account.
user
What is the purity factor of silver

assistant
HDFC Bank - Mudra Pure Silver will be of 24 Karat, 99.99% purity silver.
user
Do I have to pay any margin money - my own funding (Education Loans For Indian Education)

assistant
Margin Money upto Rs. 4.00 lacs - Nil, For loans above Rs. 4.00 lacs - 5%
user
Is there any Personal Accidental Death Cover for Times Point Debit Card holders

assistant
Yes. There is an Accelerated insurance cover of 10 lacs in case of death due to by Air / Road / Rail. For more information and Terms and condition you are requested to visit www.hdfcbank.com.
user
What are the modes of accident covered under Personal Accidental Death Cover

assistant
Accidental Death resulting from bodily injury due accident only under civilian condition (off duty)
user
How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid

assistant
You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents: Request form for Duplicate NOC/Form 35. 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. Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply: Copy of RC Book is not submitted The same vehicle is encumbered to the Bank for any other loan facility Any notice from a competent authority restraining the Bank from release of hypothecation If there are any existing over dues, direct or otherwise, in your name View more
user
What are the conditions on revival

assistant
You will need to pay all the outstanding premiums and interest on the outstanding premiums and applicable taxes. Charge of Rs 250 shall be levied for processing the revival. The revival period shall be of two years from date of lapsation/paid up as specified by the current regulations.
user
What if I miss one of my due premiums

assistant
We understand that you may not be in the best of financial health always. Keeping this in mind, we have incorporated the Auto Cover Continuance feature in HDFC Life Uday. Under this feature, for a reduced paid-up policy the full death benefit shall continue for a period of one year (Auto Cover Continuation period) from the date of first unpaid premium. Auto Cover Continuance applies only to the basic death benefit and not to the additional accidental death benefit. At the time of payment of death benefit during the Auto Cover Continuation period the due but unpaid premium shall not be deducted from the benefit payable. The basic death benefit payable during this one year shall be the higher of: Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonus (if any) + Interim Bonus (if any) + Terminal Bonus(if any) 105% of Premiums paid During the auto cover continuance period, the additional accidental death benefit shall be reduced to paid-up Sum Assured on Death. The Guaranteed Additions and Reversionary Bonuses accrued till due date of first unpaid premium shall become payable on death and no further Guaranteed Additions or Reversionary Bonus shall accrue to the policy.
user
Can I use the DCC/ MCC option at the time of transaction

assistant
Whenever Platinum Multicurrency 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 Platinum 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.
user
Can I load ForexPlus card by making payment in Cash

assistant
No, ForexPlus card cannot be loaded against payment of cash.
user
What type of bonuses is this plan eligible for

assistant
Bonuses are as a percentage of the sum assured on vesting. Reversionary bonus, if declared, will be added every year annually. Interim and terminal bonuses, if declared.
user
How much finance can I avail of on New Car Loans

assistant
You can borrow up to 90% of the invoice value. However, the minimum loan amount is Rs. 1,00,000.
user
Can an entire society or building be covered under your Home Insurance policy

assistant
No, an entire society cannot be covered under this product
user
How do I top-up the value of my card when I am abroad

assistant
ForexPlus Platinum card can also be loaded on your behalf by someone authorized by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest.
user
What are the features of HDFC Bank Mudra Pure Gold Bars

assistant
99.99% Pure 24 Carat Tamper-proof Packaging Assay Certification for purity and weight Imported from Switzerland
user
For how many years can I stay invested in this plan

assistant
You can choose a policy term of 5 years to 20 years under this plan.
user
How soon can I get a GitfPlus card

assistant
In our bank branches, GiftPlus Card can be availed of from over the counter. These cards however are non-personalised. If a personalised card is requested online or at any branch, the TAT is 5-7 working days.The convenience of online purchase is that the card will be delivered to the address specified in your instructions
user
Who can apply for Credila Education Loan

assistant
Credila provides education loan to Indian students for higher studies in India and abroad. Credila has funded Indian students for pursuing higher studies in over 2000 institutes across 36 countries.
user
Where can I use my EasyShop Titanium Royale Debit Card

assistant
Just look for the MasterCard logo when shopping. If you'd like to use an ATM, it should have the Master or Cirrus logo. And remember, you can use your EasyShop Titanium Royale Debit Card at all HDFC Bank ATMs just like a normal card.
user
What is activation code

assistant
The activation code is required to activate your HDFC Bank Multi Currency ForexPlus Platinum Card NetBanking service.
user
Why is this plan good for me

assistant
HDFC Life Click 2 Invest – ULIP, lets you enjoy market linked returns along with valuable financial protection for your family. This plan has minimal charges which help your fund value grow faster. The key features of this plan are: Minimal Charge Structure Choose from a range of 8 fund options Premium payment options of Single Pay, 5 Pay, 7 Pay, 10 Pay or Regular Pay Policy Term of 5 to 20 years Tax exemption under Sec 80C and Sec 10(10D) of IT Act, 1961
user
What bond options are available

assistant
You can choose from cumulative and non-cumulative bond options.
user
How do I buy Mutual Fund over the Net

assistant
To invest through NetBanking Log onto www.hdfcbank.com
user
Till what age the HDFC Ergo Personal Accident Insurance policy can be renewed

assistant
Personal Accident Insurance policy can be renewed for life long
user
Who do I contact for a claim on the Travel Insurance policy

assistant
In the event of a covered emergency and to register claims call our International SOS Provider, ERV – 24 hour helpline centre and quote the Policy Holders’ Name, the Policy Number, Insurance Company, Passport Number when seeking assistance within 24 hours. The contact details are: Email: [email protected] Toll Free No: 1866 202 4700 (Only for USA & Canada) Land line: 011 - 41898872 (for other countries) Europe (for 28 countries in Europe): UFIN No. – 800 8000 8400 Fax: 011 - 41898801 View more
user
Are there medicals involved to buy this plan

assistant
Yes
user
Can I pay the premium for my Auto Insurance in instalments

assistant
No, the law (Insurance Act, 1938) does not permit us to accept your Auto Insurance premiums in instalments.
user
Is the e-Monies NEFT system better than the existing RBI-EFT system

assistant
E-Monies NEFT has no restrictions, because it’s based on a centralized network. That’s not the case for the RBI-EFT system, which is confined to just 15 centres.
user
When can I open a salary account with HDFC Bank

assistant
The salary account can be opened by virtue of your employer / company having a Corporate Salary arrangement with the Bank.
user
Can the OTP be used for multiple online transactions

assistant
OTP can be used only for a single online transaction.
user
How will I know which ATMs accept the HDFC Bank ForexPlus Platinum Card

assistant
All ATMs displaying the VISA Logo will accept the HDFC Bank ForexPlus Platinum Card.
user
What if the balance in the currency of transaction goes down

assistant
The card has inbuilt intelligence to process the transaction if any of the currency wallets has sufficient fund to authorize the transaction. If the currency wallet corresponding to the transaction currency does not have sufficient balance, the payment is processed by debiting the currency wallet with sufficient balance. By default the card first checks the Euro wallet and subsequently other currencies. Please note that if none of currency wallets have sufficient balance then the transaction will be declined even if collectively across the wallets the card has sufficient balance. Please note that cross currency conversion charges will be applicable in cases where the transaction is processed by utilizing funds from different currency wallet.
user
Who do I contact in the case of a claim under the Critical Illness policy

assistant
In the case of a claim under the policy, you should immediately intimate us on our helpline number. On receipt of the intimation, we will register the claim and assign a unique claim reference number which will be communicated to the insured and may be used for all future correspondence.
user
How can I cancel my ForexPlus Chip Card

assistant
To cancel your Forex Plus Chip 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 Chip 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:
user
Are there any transactions for which I cannot use the Card

assistant
Yes, the card cannot be used to withdraw cash. It can only be used for POS transactions. Note: The Bank reserves the right to charge the Cardholder for any unauthorized amounts.
user
What is the Maturity Benefit under the plan

assistant
The plan offers guaranteed additions (GA) as a percentage of sum assured accrued for each completed policy year payable at maturity. Policy term (Yrs) GA as % of Sum Assured 15 to 19 years 8% 20 to 25 years 9% On your survival, at end of the policy term, you will receive a lump sum benefit as the aggregate of: Sum Assured Accrued Guaranteed Additions Your Aggregate Maturity benefit as percentage of Sum Assured as per term chosen is as follows: Policy term 15 16 17 18 19 20 21 22 23 24 25 Maturity benefit as percentage of Sum Assured 220% 228% 236% 244% 252% 280% 289% 298% 307% 316% 325%
user
In what weight are the silver bars available

assistant
Currently Mudra - Pure silver bars will be available in 50 gm weight.
user
Who can open an Investment Services account

assistant
Any Individual or HUF, who has an HDFC Bank Savings Account and is KYC compliant, can register for a Mutual Fund Investment Services Account. NRI customers who are KYC compliant and have a Savings account can also avail of this service. The Savings Bank account status has to be single or either/Survivor.
user
What is the Regalia ForexPlus Card

assistant
Regalia ForexPlus Card is specially designed considering the requirement for valued customer of the bank who are frequent visitors abroad. This card ensures the convenience, safety & cost effectiveness while using the card. You need not have to carry multiple currencies in various wallets nor you need to swap the funds within wallets while travelling to another country. This card is issued only in one currency and comes with exclusive feature of Zero Cross Currency Conversion Charges, ‘Thanks Again’ reward program, ATM Access Fee waiver, & Complimentary Lounge Access. Hence you are free to transact in any currency as per your wish. This card is an embedded chip based prepaid forex card introduced in partnership with MasterCard International. This card gives you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all MasterCard affiliated ATMs and merchant establishments worldwide. This card cannot be used for making payments in foreign currencies in India, Nepal or Bhutan. This card also comes with General Purpose Reloadable card wallet (GPR wallet) in INR currency where you can get your Regalia ForexPlus Card encashed & use the same in India for ATM cash withdrawals & at merchant outlets or at ecom merchants for purchases in INR currency.
user
What are the permissible debits into this account

assistant
Payment outside India towards a permissible current account transaction [in accordance to the provisions of the Foreign Exchange Management (Current Account Transactions) Rules, 2000] and permissible capital account transaction [in accordance to the Foreign Exchange Management (Permissible Capital Account Transactions) Regulations, 2000]. Payment in foreign exchange towards cost of goods purchased from a 100 percent export oriented unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park. Payment of customs duty in accordance with the provisions of the Foreign Trade Policy of the Central Government for the time being in force. Trade related loans/advances, extended by an exporter holding such account to his importer customer outside India, subject to compliance with the Foreign Exchange Management (Borrowing and Lending in Foreign Exchange) Regulations, 2000. Payment in foreign exchange to a person resident in India for supply of goods/services including payments for airfare and hotel expenditure. View more
user
What is an accident

assistant
Accidentmeans a sudden, unforeseen and involuntary event caused by external, visible & violent means.
user
What payouts will I get under different plan options

assistant
The table below specifies the series of money back/endowment payouts, payable at the end of each year, for a premium paying or a fully paid-up policy. Maturity Benefit Option Year of Payout Aspiration Academia Career 5th year before Maturity - 30% of SA 15 % of SA 4th year before Maturity - 15 % of SA 15 % of SA 3rd year before Maturity - 15 % of SA 15 % of SA 2nd year before Maturity - 15 % of SA 15 % of SA 1st year before Maturity - 15 % of SA 15 % of SA At Maturity 100% of SA + GA + accrued bonuses 15 % of SA + GA + accrued bonuses 40 % of SA + GA + accrued bonuses Total 100% of SA + GA + accrued bonuses 105% of SA + GA + accrued bonuses 115% of SA + GA + accrued bonuses SA: Sum Assured on maturity. GA: Guaranteed Additions
user
How can I register for this service

assistant
To register for this service, fill in an Investment Services account opening form that is available at any HDFC Bank Branch, or contact your Relationship Manager. Fill in all the details in the form, with the requisite documents, along with details of the bank account that has to be linked with your Investment Services account. The Account Opening Application Form has to be signed by the all the Bank Account holders. Submit this form to your RM or nearest branch.
user
What if I want to repay the loan earlier than the due date

assistant
If you want to repay your loan earlier than the due date, feel free to do so.
user
Can I give standing instructions to repay my Home Loan EMIs directly from my HDFC Bank Savings Account

assistant
Yes, you can opt for Automated Repayment and your EMIs will be directly repaid from your HDFC Bank Savings Account, thus saving you the trouble of procuring, signing and tracking post-dated cheques.
user
How long will it take to process loan for Pre-owned Car Loans

assistant
Within 48 hours of completing documentation.
user
What are Collection Solutions available

assistant
a. Cash Management Services - End-to-end solution to your payment and collection requirements through our Cash Management Services at extremely attractive rates - Consistently voted “Best Bank in Cash Management Services” - Cash management services are offered at over 2400 locations b. eCMS - Tailor made product offering for electronic collections - Ease of reconciliation for your business - STP credit with real time notification - Credit confirmation to the remitter - Integrated MIS offering – secure data transmission c. Payzapp for Business - Revolutionary invoicing solution by HDFC Bank which enables start-ups to request and receive payments on the go. - Ideal for all start-ups who need to collect Payment on delivery / Advance payment / Balance payment/ On-field collection. - Instant flow of cash in to your account d. Chillr - This is a revolutionary application which lets merchants request money from other Chillr users using the Collect feature. A QR Code/Alpha Code is generated which the sender has to scan to complete the payment. - Merchant can also view his transaction history
user
How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank

assistant
You may obtain the NOC to settle the partial insurance claim in your favour, provided there are no outstandings to your loan account, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Original Insurance Policy(will be returned back to you at the centre, post validation). Copy of the Insurance Policy, duly self attested by you. Claim Voucher provided by Insurance Company 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. Note, for Total Loss, Claims will be settled in favour of the Bank to close the loan based on the Loan Pre-Termination Statement as on the date of request and in case of any excess claim received from the Insurance Company, a refund will be made favouring the customer.
user
Is address proof a mandatory requirement (Basic Savings Bank Deposit Account - Salary)

assistant
Yes. address proof is mandatory
user
Where can I use my EasyShop Gold Debit Card

assistant
Just look for the VISA logo when shopping, and if using an ATM check for the VISA/PLUS logo.
user
What are the features that are available with HDFC Life Uday

assistant
The features available with HDFC Life Uday are : Easy Issuance on the basis of Declaration of Good Health (DOGH) Guaranteed Additions to boost your maturity value In-built Accidental Death Benefit in case of death due to an accident Auto-Cover Continuance even if you miss paying a premium
user
Is an FIR necessary for a property damage claim under the Home Insurance policy

assistant
An FIR is mandatory in case of Malicious Damage, Riot and Strike, Terrorism, Burglary, Theft & Larceny claims.. However, it is not necessary in the case of floods, storms, earthquakes, lightning, subsidence or impact damage due to aircraft loss.
user
Are there charges I should know about International Debit Card

assistant
Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to when shopping at a merchant location. Fuel surcharge levied at select BPCL petrol pumps will be reversed within 75 days from the date of levy of the surcharge. Just make sure your card is swiped at HDFC Bank’s terminal to avail petrol surcharge waiver. 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. View more
user
What should I do in case I am unable to access my Company's Current Account through Net Banking

assistant
If you are unable to access your company account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account. While opening Accounts of Companies, separate Customer IDs are created in name of the Company as well as each of the Authorized Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Company's Account. However, we regret our inability to disclose the appropriate Customer ID on an unsecure e-mail and request you to contact our nearest Branch or PhoneBanking Center for this. For more details, Contact Us
user
How do I register for Times Points

assistant
As a Times Points Debit Card holder you will be auto-registered for the Times points loyalty program. The registration will trigger an auto-generated mail to your bank registered email id. Please follow the simple steps (Section A): Please check for an email in your banks registered email inbox sent from Times Points. Please open the email and look for a link for setting up your password. The link will redirect you to www.timespoint.com website and ask you to set your password. Your profile will be completed and you can start earning Times Points for all your surfing and other activities If you are an existing member to Times Points 1) In case you have registered using your mobile number or different email id, you will be auto-registered for the Times points loyalty program with HDFC Bank registered email. Please follow the simple steps mentioned in Section A Kindly note, your existing Times Points account will remain as is and points earn with your existing ID will not be added to your new Times Points account In case you have registered for Times Points account using your same email id which is registered with HDFC bank, you do not need to do any further registration and you will continue to enjoy Times Points benefits
user
Can the plan be offered under limited underwriting

assistant
The plan can be applied for by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals subject to prevailing underwriting conditions.
user
How does this card work

assistant
Your HDFC Bank ForexPlus Platinum card will be activated with the required Euro / GBP and USD within 4 hours from the bank getting the clear funds from you. Once actived, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.) HDFC Bank ForexPlus Platinum card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the ForexPlus card. HDFC Bank ForexPlus Platinum card is accepted at all Merchant Establishments displaying the Visa / Mastercard symbol. The card can be used to withdraw cash at all Visa / Mastercard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please ensure that you remember the PIN given to you with the card pack, the PIN is unique for every card and cannot be changed at any domestic or international ATM. View more
user
How soon can I get the HDFC Bank Apollo Medical Benefits Card

assistant
HDFC Bank Apollo Medical Benefits Card will be available to you within 15 working days from the date of completion of formalities.
user
Can the value of the card be topped up

assistant
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.
user
What about a Minor becoming a Major

assistant
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.
user
What is the maximum investment limit for the Section 54 EC- Capital Gain Bonds

assistant
The maximum investment limit amount is Rs. 50 Lakhs.
user
Is part-prepayment of a Personal Loan allowed

assistant
No, part prepayment is not allowed. The loan has to either be prepaid in full or serviced for the contracted tenure.
user
What is the Cancellation procedure

assistant
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.
user
How soon can the card be used after it is purchased

assistant
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.
user
How can I cancel my Multicurrency Platinum ForexPlus Card

assistant
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:
user
What is the policy term available under this product

assistant
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.
user
Are there charges I should know about Platinum Debit Card

assistant
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
user
What is the limited pay term available under the plan

assistant
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.
user
What if I need the money for an emergency

assistant
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.
user
What happens if my card is lost

assistant
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.
user
What is the maximum value for which the Card can be used

assistant
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.
user
What is the amount I can get as an overdraft

assistant
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.
user
Why do I need health insurance

assistant
Health Insurance will protect you and your family against any financial contingency arising due to a medical emergency.
user
Which courses can I take an education loan for (Education Loans For Indian Education)

assistant
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
user
What do you mean by ‘switching funds’

assistant
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.
user
What is the surrender benefit

assistant
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.
user
How do I make my premium payments

assistant
This is an annual policy, where the premium can be made via Credit Card or Cheque.
user
Are there any additional charges for loan Prepayment

assistant
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.
user
Do I have an option to avail of loans under the policy

assistant
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.
user
How is a Flexi Current account different from a regular current account

assistant
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
user
Which course related expense does this loan cover (Education Loans For Foreign Education)

assistant
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
user
Are ambulance charges covered under a Travel Policy

assistant
Emergency Medical Expenses include ambulance service (to and from the hospital).
user
How to use Contactless Mutlicurrency ForexPlus Card

assistant
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
user
What is the frequency in which I can invest my money

assistant
Single, Annual, Half-yearly, quarterly or monthly
user
Do I need to have an account HDFC Bank account to purchase the HDFC Bank eGiftPlus Card

assistant
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)
user
How much is the currency conversion service tax applicable at the time of Load, Reload and Refund

assistant
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
user
Where do I get this card

assistant
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.
user
I have renewed my passport with new number. Do I need to update my new Passport number in my ISIC ForexPlus Chip Card

assistant
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.
user
Which are the factors one should consider while choosing a Health Insurance Plan

assistant
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
user
Can the vesting age be post-poned or pre-poned

assistant
No, policy term can’t be changed thus vesting age can’t be pre or postponed
user
What do I do if I am not able to avail merchant offers

assistant
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]
user
How do I get the activation code

assistant
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.
user
What is meant by disease

assistant
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.
user
Can I get the benefit of Verified by Visa/ MasterCard SecureCode security at online stores that are not participating in the service

assistant
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
user
Why do I require Travel Insurance

assistant
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.
user
Is there any death benefit for this plan

assistant
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.
user
Can I use the DCC/ MCC option at the time of transaction

assistant
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.
user
What are the benefits available under Life Option

assistant
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
user
What is the Maturity Benefit available under this plan

assistant
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.
user
Is there an age limit for opting HDFC Ergo Personal Accident Insurance policy

assistant
Personal Accident Insurance is open to everyone from the age of 18 years to 65 years.
user
What do I need to know about the HDFC Bank FoodPlus Card

assistant
The HDFC Bank FoodPlus Card is an electronic prepaid card designed for meal allowances.
user
Does this require Car verification / Valuation

assistant
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.
user
What kind of documentation is required

assistant
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.
user
A person undergoes for dialysis 4 times in a week will it be covered if the basic deductible is exhausted

assistant
Yes, any illness payable under the Policy for which threshold gets exhausted, will be paid under Super top up.
user
How long will my family get the monthly income for

assistant
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.
user
How many currencies can I carry on the card

assistant
You can carry a maximum 10 currencies on your HDFC Bank Multi Currency ForexPlus Platinum Card
user
How soon can I get a FoodPlus card

assistant
FoodPlus card is a personalized VISA Card and the TAT for receiving a personalized card is 7 working days.
user
Is it necessary to open Institutional Current Account in each location where my company has an office

assistant
No. With a Institutional Current Account , you enjoy the advantage of a single account with multi-location banking.
user
What transactions are included as a part of the Free Anywhere Transactions limit for a month

assistant
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
user
What is the maximum loan amount I can get for studies in India

assistant
To study in India, the maximum loan you can get is upto Rs. 10 lacs.
user
What is the rate of interest I will earn on the balance in my Savings Account

assistant
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.
user
Can I transact on a holiday

assistant
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.
user
Do I need to inform about my change of Income status

assistant
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.
user
How can I cancel my Forex Plus Card

assistant
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
user
What are the different plan options under the plan

assistant
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
user
What Property can be considered as collateral for LARR

assistant
You can provide Commercial Property (Shops & Offices) leased to reputed lessees as collateral for a Loan Against Rent Receivables.
user
Where can the Regalia ForexPlus Card be used

assistant
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.
user
How do I obtain a NOC from the bank for fitting an LPG/CNG kit on my vehicle under finance with HDFC Bank

assistant
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
user
How much loan can I get from Credila

assistant
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.
user
What is the validity of the offers

assistant
The offers has a validity of Minimum 3 months and maximum of 12 months.
user
How do I reset my password

assistant
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.
user
What is the time frame to resolve Purchase/ Online & International ATM transaction disputes

assistant
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.