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The agreement outlines key definitions such as applicant, cardmember, primary and add-on members, card accounts, business and corporate cards, transactions, international transactions, overdue amounts, PIN usage, nominated accounts, and electronic terminals. 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Acceptance is also deemed when the card is signed on the reverse or when usage begins.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What is the difference between a Primary Cardmember and an Add-on (Additional) Cardmember?",{"text":114,"@type":110},"A Primary Cardmember includes the applicant and/or authorized cardmember. An Add-on (Additional) Cardmember is an individual to whom a card with that individual’s name is issued, with liability shared with the primary cardmember.",{"name":116,"@type":107,"acceptedAnswer":117},"What do the terms mean by international transactions?",{"text":118,"@type":110},"International transactions are transactions made outside India, Nepal, and Bhutan using a valid credit card internationally. 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If you keep or use the HDFC Bank International Credit Card, you will be deemed to have unconditionally agreed to these Terms and Conditions and they will govern your use of the Credit Card. If you do not wish to accept these Terms and Conditions, please cut the Credit Card in half and return the pieces to us along with a letter for closure immediately. In the event of the card being dispatched to you on the basis of your application on any electronic media (internet/email), or through telephone, it is expressly understood that the moment you sign on the reverse of your card or start using it, you will be deemed to have accepted the Terms and Conditions set out in this Agreement.  \nCARDMEMBER AGREEMENT  \n'Applicant' means: (1) any person who has signed the Credit Card application form which is acceptable by HDFC Bank Limited; and (2) any individual who has signed or used the card.  \n'Cardmember' shall mean either/or/both Primary and Add-on Cardmember as applicable.  \n'Primary Member' or 'Primary Cardmember' or 'Member' shall mean and include applicant and/or authorised Cardmember.'Additional Member' or 'Additional Cardmember' or 'Add-on Cardmember' shall mean an applicant who is an individual to whom a card bearing the individual name is issued by the Bank although the liability is shared with the Primary Cardmember.  \n'Card Account' shall, depending on the context used, mean any account of a Cardmember with HDFC Bank, including a Credit Card Account, Jumbo Cash/Personal Loan Account for the purpose of use as per the Terms and Conditions contained herein.  \n“Business Credit Card(s)” shall mean the Credit Card(s) that is issued to business entities/individuals for the purpose of business expenses with specified terms and conditions and not for personal use.  \n'Corporate Card' means all cards issued to eligible corporate bodies or at their directions, pursuant to appropriate authorisation and documentation, in respect of any of its staff, executives, directors or any other person authorised by the Corporate Body that will operate under joint and several or limited liability of the Corporate Body as well as the Cardmember.  \n'Person' means any individual, corporation, firm, company, institution or other natural or legal person whatsoever.'Merchant Partner' or 'Merchant Establishment' shall mean any establishment, company, firm or person, wherever located, which is designated as a MASTER /Other Franchise merchant and/or with whom there is an arrangement for a Cardmember to obtain goods and services or cash advance by use of the card and shall include among others, stores, shops, restaurants, hotels, airline organisations and mail order advertisers (whether retailers, distributors or manufacturers), including mail order outlets (whether wholesalers, retailers, distributors or manufacturers), advertised as honouring the HDFC Bank International Credit Card.  \n'HDFC Bank' or 'Bank' shall mean HDFC Bank Limited, the proprietors of the Credit Card, specifically, the Cards Division located at Chennai and its Regional Offices all over India.  \nUse of the terms 'you', 'your', 'him', 'he', 'his', 'she', 'her' or similar pronouns shall, where the context so admits mean the'Member/Cardmember'.  \nUse of the terms 'we', 'our', 'us' or similar pronouns shall, where the context so admit, mean 'HDFC Bank'.  \n'Statement' means a monthly Statement of Account sent by the Bank to a Cardmember setting out the financial liabilities on the date, of the Primary Cardmember and any additional Cardmember to the Bank in respect to the Card Account.'Transaction' means any instruction given by the individual using a card directly or indirectly to the Bank to effect action on the card (examples of 'transaction' instructions could be a sales slip/chargeslip or cash advance slip or mail order coupon) .  \n'International Transactions' mean t","cbCaibS4mCjTmQ8a","https://ap.wps.com/l/cbCaibS4mCjTmQ8a","pdf",612979,"English","# CARDMEMBER AGREEMENT\n## Key Definitions and Parties\n## Transactions, International Use, and Overdue Amounts\n## PIN, Nominated Accounts, and Electronic Terminals\n## Disclosure of Information","[{\"question\":\"How does the agreement become binding on the cardmember?\",\"answer\":\"Keeping or using the card means unconditionally agreeing to the terms and conditions. Acceptance is also deemed when the card is signed on the reverse or when usage begins.\"},{\"question\":\"What is the difference between a Primary Cardmember and an Add-on (Additional) Cardmember?\",\"answer\":\"A Primary Cardmember includes the applicant and/or authorized cardmember. An Add-on (Additional) Cardmember is an individual to whom a card with that individual’s name is issued, with liability shared with the primary cardmember.\"},{\"question\":\"What do the terms mean by international transactions?\",\"answer\":\"International transactions are transactions made outside India, Nepal, and Bhutan using a valid credit card internationally. Foreign exchange transactions are not permitted by the Reserve Bank of India in Nepal and Bhutan.\"}]","CARDMEMBER AGREEMENT - Terms and Conditions for HDFC Bank International Credit Card | PDF",1790270009]