Consumption story is still on said Parag Rao, the HDFC bank's country head for payment products.
The cards, christened Millennia come with a slew of features like a 5 pc cash back on shopping and an 1 pc fuel surcharge waiver.
On a review, it has been decided to reduce the risk weight for consumer credit, including personal loans, RBI statement said.
While some of the charges are compulsory for using a credit card, some charges can be reversed or avoided.
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