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HDFC Bank is one of India's largest and most reputed private sector banks. The bank offers a diverse range of credit cards across various categories like travel, entertainment, lifestyle and more. Each card is carefully curated to match your requirements. When you get an HDFC Bank Credit Card, you can enjoy countless privileges and rewards while you save money. 

 

Read on to know some of its unique features and how you can apply for one.

Some of the Top HDFC Bank Credit Cards

Here are some of the top card variants offering a plethora of benefits.

HDFC Bank Credit Card Variant

Annual Fee

Category

HDFC Bank Diners Club Black Credit Card

₹10,000

Premium lifestyle

HDFC Bank Regalia Credit Card

₹2,500

Premium lifestyle

HDFC Bank Diners Club Miles Card

₹1,000

Premium lifestyle

HDFC Bank MoneyBack Credit Card

₹500

Cashback

HDFC Bank Titanium Times Card

₹500

Rewards

HDFC Bank Regalia First Credit Card

₹1,000

Premium lifestyle

HDFC Bank Freedom Credit Card

₹500

Rewards

HDFC Bank Platinum Times Card

₹1,000

Regular lifestyle

InterMiles HDFC Bank Platinum Credit Card

₹1,000

Travel and Shopping

Disclaimer: The fees mentioned are subject to change as per the issuer’s policies. 

1. HDFC Bank Diners Club Black Credit Card

Due to its outstanding features and benefits, the HDFC Bank Diners Club Black Credit Card is among the top credit cards. This HDFC Bank Credit Card provides unrestricted access to more than 1,000 domestic airport lounges with six free golf games each quarter. 

 

Apart from excellent rewards in all categories, it offers a low foreign exchange markup of 2% on all your international spends.

2. HDFC Bank Regalia Credit Card

With a host of luxury and travelling advantages, the HDFC Bank Regalia Credit Card is a popular card that grants you flexibility. It offers an exclusive free Dineout Passport membership, 6 free access to international airport lounges and 12 free entries to domestic airport lounges annually. 

 

If you are looking to apply for an HDFC credit card with assured travel advantages, HDFC Regalia is an excellent choice.

3. HDFC Bank Diners Club Miles Card

The HDFC Bank Diners Club Miles Credit Card offers a variety of perks and rewards in addition to complete insurance coverage for luggage delays and accidents, among others. 

 

It is particularly designed for customers who seek great travel rewards and enjoy concierge benefits while travelling.

4. HDFC Bank MoneyBack Credit Card

Only a few credit cards offer reward points on all retail purchases; this includes the MoneyBack card. With HDFC Bank MoneyBack Credit Card credit card, you can earn unlimited reward points and use them to purchase goods and services from the bank's catalogue.

 

The MoneyBack Credit Card also offers instant cashback at a rate of ₹20 for every 100 points collected. Opting for this card is ideal if you enjoy online shopping because it also offers 2X reward points on online purchases.

5. HDFC Bank Titanium Times Card

The HDFC Bank Titanium Times Credit Card was designed with the pleasure of entertainment in view. It comes with a slew of movie and dining deals. In addition to receiving a 25% discount on movie tickets, you can also receive 5 reward points for dining out from Monday through Friday.

6. HDFC Bank Regalia First Card

The HDFC Bank Regalia First Card is a premium credit card that offers a host of exclusive benefits and rewards. With this card, you can enjoy complimentary access to lounges at airports, a fuel surcharge waiver, and cashback on dining, travel and more. 

 

Additionally, it also comes with a host of features, such as 24/7 concierge service and emergency card replacement. 

7. HDFC Bank Freedom Credit Card

The HDFC Bank Freedom Credit Card is a rewards card that offers cashback and discounts on various categories such as shopping, dining, and travel. When you get this credit card, you can enjoy other benefits, such as zero liability on lost cards, worldwide acceptance, and flexible payment options. 

8. HDFC Bank Platinum Times Card

The HDFC Bank Platinum Times Credit Card is designed specifically for movie lovers and foodies. Numerous incentives are provided for lifestyle spending, including up to 10 reward points for weekday eating expenditures. 

 

You also get 20% off on hotel stays and shopping and a 50% discount on movie tickets purchased through BookMyShow. On shopping from certain partners, the card also provides exceptional reductions in fuel and wellness costs.

9. InterMiles HDFC Bank Platinum Credit Card

The InterMiles HDFC Bank Platinum Credit Card offers exclusive travel benefits, such as free lounge access, complimentary air tickets and discounts on hotels. You can earn frequent flyer miles on all your spends and redeem them for a variety of rewards, including flight tickets, hotel stays, and more. 

 

It also offers benefits such as fuel surcharge waiver, discounts on dining and shopping, and more.

Features & Benefits of HDFC Bank Credit Cards

Some general features and benefits of the HDFC Bank Credit Card products are as follows:

  • Access to a wide range of offers and personalised deals

  • Nominal fees for transactions allow you to utilise the card to its full potential

  • Benefit of zero liability in instances of fraud 

  • Easy management with digital portals and mobile apps

  • A comprehensive credit card statement that makes expense monitoring easy 

  • Option to avail the Jumbo Instant Loan from HDFC Bank

  • A wide range of cashback, discounts, reward points, fuel surcharge, and free access to both domestic and international airport lounges depending on the credit card variant

  • Attractive 'Buy Now Pay Later' facility

  • Automated payment solutions for regular expenses like phone, energy, and utility bills

Eligibility and Documentation for HDFC Bank Credit Cards

Before you apply for an HDFC Bank Credit Card, you need to check the terms and be aware of the documents required for the application. Check out these details below.

1. Eligibility Criteria for an HDFC Bank Credit Card

  • Aged 18 years or above

  • Either a resident of India or a Non-Resident Indian (NRI)

  • A good credit history and a high credit score

  • Salaried employee or self-employed

 

2. Documents Required for HDFC Bank Credit Card

  • A copy of your PAN card or Form 60

  • Proof of identity

  • Proof of address

  • Latest payslip, Form 16, or a copy of the IT return as proof of income

  • A colour photograph of the applicant

Factors to Consider When Choosing Some of the Top HDFC Bank Credit Cards

When choosing the best HDFC Bank Credit Card that suits your needs and offers the most value for your money, here are some factors to consider:

  • Your Spending Habits 

Opt for a card that best fits your lifestyle needs. For instance, if you frequently shop online, look for a card that offers discounts on e-commerce platforms. 

  • Rewards Program

Check the rewards program offered by the card, including reward points, cashback, or discounts. Ensure that these rewards align with your spending habits. 

  • Fees and Charges

Consider annual fees, interest rates and other charges associated with the card. Look for a card that has lower fees and charges and offers more value for your money. 

  • Credit Limit

Consider your credit score and your spending capacity when choosing the credit limit. Ensure that the card offers a credit limit that suits your needs. 

  • Benefits and Perks

Look for additional benefits and perks offered by the card, such as lounge access, free movie tickets, and insurance coverage. 

  • Customer Service

Check the customer service offered by HDFC Bank, including customer support, online services, and mobile app features. 

  • Eligibility

Ensure that you meet specific terms and conditions set by the bank, such as income, age, and credit score. 

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How to Apply for an HDFC Bank Credit Card

Getting an HDFC Bank Credit Card takes just a few clicks online, but you also have the option to apply for an HDFC Bank Credit Card offline.  Here are the steps you can follow:

1. Steps to Apply for an HDFC Bank Credit Card Online

Following are the steps to apply for an HDFC Bank Credit Card online:

  • Step 1: Access the HDFC Bank Credit Card website

  • Step 2: Navigate to the ‘Credit Cards’ page

  • Step 3: Examine the different HDFC Bank Credit Card products available

  • Step 4: Verify your eligibility and pick the best credit card for your requirements

  • Step 5: Complete the application and upload the required paperwork

  • Step 6: Await approval and receipt of the HDFC Bank Credit Card 

2. Steps to Apply for an HDFC Bank Credit Card Offline

Following are the steps if you want to apply for an HDFC Bank Credit Card offline.

  • Step 1: Go to the nearest HDFC Bank branch 

  • Step 2: Request an application form for a credit card

  • Step 3: Complete the form 

  • Step 4: Attach the necessary documents and submit your credit card application at the bank branch

  • Step 5: Await approval or further instructions for approval

  • Step 6: Receive your HDFC Bank Credit Card 

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How to Use Your HDFC Bank Credit Card

Here is how you can use your HDFC Bank Credit Card in a manner that makes the most of its benefits and minimises the added costs that come with the card. 

  • Choose a credit card that offers rewards aligned with your regular spending habits

  • Ensure you pay your credit card bills within the due date

  • Pay the full outstanding amount rather than just the minimum amount due

  • Limit your credit utilisation to around 30% of the total credit limit

  • Refrain from using your HDFC Bank Credit Card to make cash withdrawals 

  • Use your HDFC Bank Credit Card statement to track your expenses and monitor your spends 

How to Contact HDFC Bank Credit Card Customer Care

In case you have any queries or concerns regarding your HDFC Bank Credit Card, you can contact the credit card customer care executives by phone or send an email.

1. HDFC Bank Credit Card Customer Care Number

You can contact HDFC Bank Credit Card customer care by dialling any of the following numbers: 1800 202 6161 or 1860 267 6161.

2. HDFC Bank Credit Card Customer Care Email ID

If you prefer to email the team, you can write to HDFC Bank Credit Card customer care at customerservices.cards@hdfcbank.com

 

Now that you know the process of getting an HDFC Bank Credit Card and the features of some cards, you can make the right choice. 


Some of the other cards you can opt for include HDFC Bank Diners Club Privilege Credit Card, Swiggy HDFC Bank Credit Card, Regalia Gold Credit Card and much more. Pick a card that best fits your requirements and enjoy its umpteen benefits.

DISCLAIMER:

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on HDFC Bank Credit Card

What are the fees and charges for HDFC Bank Credit Cards?

There are different fees and charges associated with HDFC Bank Credit Cards. They include annual fees and renewal fees, which range from ₹250 to ₹12,500 annually, depending on the credit card variant. 

 

There is also a cash advance fee of 2.5% of the withdrawn amount or ₹500 (whichever is lower). Late payment charges also go up to ₹1,300, depending on the outstanding balance. The over-limit charges of HDFC Bank Credit Cards are levied at 2.5% of the over-limit amount and capped at ₹550. 

The payment return charges come in at 2% (subject to a minimum of ₹450). Other charges on HDFC Bank Credit Cards include a cash processing fee of ₹100 and a rewards redemption fee of ₹99 on select cards.

Which is the best credit card offered by HDFC Bank?

HDFC Bank offers many excellent credit cards in different categories. The HDFC Bank Platinum Plus Credit Card is a good option for first-time credit card users. A few other options in the premium category include the HDFC Bank Visa Signature Credit Card and the HDFC Bank Regalia Credit Card. 

 

If you are looking for co-branded credit cards, there are many options. Tata Neu Plus HDFC Bank Credit Card and the IRCTC HDFC Bank Credit Card are a few co-branded options. There are also good cashback cards like the HDFC MoneyBack+ Credit Card.

What is the minimum credit score required to apply for an HDFC Bank Credit Card?

To be eligible for an HDFC Bank Credit Card, you need to have an above-average credit score of 750 or higher.

What is the minimum salary required to apply for an HDFC Bank Credit Card?

The minimum income criteria differ from one card to another. You can check out the minimum salary required for the HDFC Bank Credit Card you are interested in online before applying for a card.

Can I change the type of my HDFC Bank Credit Card?

No. You cannot change the type of card you hold. However, you can always place a request for a credit card upgrade with your bank or credit card issuer.

Can you convert rewards points into air miles or airline e-vouchers?

Yes. You can redeem your reward points for flight tickets with co-branded cards. For this, you can apply for an HDFC Bank Credit Card like 6E Rewards-IndiGo Credit Card and 6E Rewards XL-IndiGo Credit Card.

Can I own two HDFC Bank Credit Cards at once?

Yes, there is no limit on the number of credit cards you can own. So, if you are eligible for multiple HDFC Bank Credit Cards, you can definitely apply for and own them all.

Is there any chance of increasing the limit on my HDFC Bank Credit Card?

It is possible to increase the limit on your HDFC Bank Credit Card by sending a signed letter requesting an increase in your credit card limit. Subsequently, you will have to submit certain documents like proof of income, identity, and residence.

Can I get HDFC Bank Credit Card statements online?

You can procure your HDFC Bank statements online via net banking. Just log in to your net banking using your credentials and go to the statements tab to get your statements.

How can I take a loan using the HDFC Bank Credit Card?

HDFC Bank offers two options for taking a loan using your credit card. The first option is Insta Loan, which is a pre-approved loan offer that allows you to get a loan on your HDFC Bank Credit Card. To check your eligibility for Insta Loan, you can log into your HDFC Bank net banking account or send an SMS. 

 

The second option is SmartEMI, which is a loan facility that allows you to convert your HDFC Bank Credit Card purchases into EMI (Equated Monthly Instalments). With SmartEMI, you can pay for your purchases in convenient monthly instalments rather than paying the full amount upfront.

 

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