How to read my HDFC Bank credit card statement
Hemalatha Saha
Asked 15 Mar 2026
4
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?
1 Answer
18
Saraswati Karthik·7 Apr 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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