Annexure I – Schedule of Debit Card Charges & Services

A) Charges

i) Annual Fees

*For HNW Customer, the annual fees of Debit Card will be waived, as long as the customer is part of the respective program.

^For Infiniti Debit Card the annual fee is waived basis annual spends of ? 5lac and above.

For Corporate Salary customers, the charges will be as per corporate eligibility, as long as the customer is part of the respective corporate.

The schedule of charges is subject to change from time to time.

ii) Replacement or Reissuance Fee: ? 200 + taxes are applicable for any Debit card.

iii)Transaction fee on IRCTC platform: 1.8% of the transaction amount plus applicable taxes (Refer IRCTC website for detailed fee structure).

iv)Transaction fee on Railway Stations: Flat charge of ? 30 per ticket + 1.8% of the transaction amount plus applicable taxes (Refer IRCTC website for detailed fee structure).

v) Forex Mark-up: 3.5%*+ taxes on foreign currency transaction. The exchange rate used will be the VISA/MasterCard wholesale exchange rate prevailing at the time of transaction/merchant settlement.

*Preferential cross currency mark-up of 0.99% on Infiniti Card

vi) Pro-rata Charges: In case of change in account relationship/downgrade of account, the Debit Card annual charges shall be applicable from the date of change in relationship, if the debit card continues to be in use without downgrading as applicable for the account relationship / downgraded account. The schedule of charges is subject to change from time to time and the customer is requested to refer the annual fees chart on the bank’s website: www.hdfcbank.com. The customer further agrees and gives its express consent that, in case of a change in account relationship at any point in time, the Bank reserves the unconditional right to levy appropriate charges as applicable for the Debit Card variant on pro rata basis for the period from the date of change in account relationship till the next billing date, as may be applicable.

You may visit HDFC Bank’s website to know more about charges related to Debit Card https://www.hdfcbank.com/personal/pay/cards/debit-cards

B) Declaration on replacing Debit Card with an ATM:

In ref. to the Reserve Bank of India (RBI) directives released vide Circular no. RBI/2017-18/DBR No.Leg.BC.78/09.07.005/2017-18 dated July 6, 2017; the customer unconditionally agrees and gives consent that the Bank reserves the right to issue or replace Debit Card with an ATM card, during on[1]boarding/ renewal/ re-issuance/ Card upgrade stage, or as may be applicable to a customer, in case the customer’s mobile number is not registered/ not available/not provided/ present in the Bank records at any given point of time in compliance to the regulatory directives.

                          Annexure II – Declaration

In this Consent the following capitalized terms shall have the meanings assigned to them hereunder:

“Data” shall mean all personal data, sensitive personal data or information, transactional data,

Derivative Data, any other information, etc., in relation to me/us, including the following including in

relation to past Products:

(a) know your customer (KYC)/anti money laundering (AML) data;

(b) information submitted while making any application or request to the Bank for any Product;

(c) any transactional data generated during the relationship or as a result of any transaction,

statements, entries, logs, in relation thereto;

(d) any information obtained/received by the Bank from any other source;

(e) any Derivative Data.

“Derivative Data” shall mean any credit scores, credit information, behavioural projections, profiling, analytical results, reports (prepared by the Bank internally or other persons) including through any algorithms, analytics, software, automations, profiling etc., and whether such derivative is from the information collected from me/us or in combination with any other information sourced from any other person, database or source whether by the Bank or other persons. The process of arriving at and generation of such Derivative Data involving or through any of the above sub-processes/methods, shall be referred to as “Derivation”.

“Specified Purposes” shall collectively mean, credit assessment, risk assessment, risk analysis, obtaining credit information reports, scores, scrubs, fraud checks, fraud detections, fraud prevention, detecting and preventing crime including crime/ terror funding, detecting malpractices or discrepant documents or information, prevention of misuse, assessment of credit worthiness, financial standing, due diligence, background check, physical and other inspections, verifications, obtaining any reports for any of the above, KYC/ AML checks, customer service, monitoring, collections, default detection, default prevention, default investigation, recovery, any legal proceedings, actions, enquiries, investigations, pursuing any remedies, enforcing rights, reporting including credit reporting, KYC reporting, default reporting, filing, perfections etc., whether any of these are undertaken internally or through any credit information company, bureau, service provider, consultant, vendor, agent, fintech entity, co-brand entity/partner, distributor, selling/ marketing agent, any partner, other player/intermediary in any ecosystem of which we are a part, TPAP (for whom we act as PSP bank), collaborator, co-lender, co-originator, merchant, aggregator, lead generator, sourcing entity, client, customer or other person with whom we have a tie-up or contract for any products or services, person or through a combination of multiple options. Each of such credit information company, bureau, service provider, consultant, vendor, agent, fintech entity, co-brand entity/partner, person, and their respective service providers, consultants, vendors, etc is referred to as a “Processing Entity”.

“Product(s)” shall mean products, services and/or businesses of the Bank/ of subsidiaries/ affiliates, or where the Bank/ its subsidiaries/ affiliates distribute, refer or act as agent or act as a sponsor bank or a PSP bank etc. in relation to any products or services (including where the initiation of any transaction is not directly with the Bank but is with a relevant Processing Entity like in case of a UPI transfer through a TPAP where the account is not with the Bank but it is a PSP bank), whether the Bank is in direct relationship or indirect relationship through any other intermediary/ entity, vis-à-vis me/us, as also if I/we are an authorised signatory or authorised person or representative of a non-individual applicant/ customer/ user of any services, whether direct or indirect. The Products, which have been applied/ requested by or availed by, me/us (including where the initiation of any transaction is not directly with the Bank but is with a relevant Processing Entity like in case of a UPI transfer through a TPAP where my/our account is not with the Bank but the Bank is a PSP bank), shall be referred to as “Requested Products”, and the Products (including any future products or services) other than the Requested Products, shall be referred to as “Other Products”.

I confirm that I have read, understood, and hereby accept the charges and other details, and give consent towards availing Debit card service.

First HolderName:                           Joint Holder Name:

First Holder Signature:                    Joint Holder Signature

Date: