How to read my HDFC Bank credit card statement
Yami Gopal
Asked 23 Apr 2026
I just received my first HDFC Bank credit card statement. Can someone explain the key sections — total amount due, minimum due, billing cycle, and grace period?
2 Answers
Dispute process that worked for me: I called customer care within 24 hours, raised a dispute via the netbanking portal (uploading the receipt showing I never visited the merchant), and got a provisional credit in 5 working days. Permanent credit came after the bank's investigation in about 30 days.
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
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