HDFC Bank is the largest private sector bank in India in terms of sales value, market capitalisation, and network. In fact, HDFC Bank is one of the largest issuers of credit cards in India. With over 20,000 ATMs and 7,500+ branches across more than 3,800 cities, HDFC Bank has issued over 1.5 crore credit cards, as of 2020.
HDFC credit cards are an attractive option for many because they offers a host of benefits that blend convenience with great value. Read on to find out more about the various HDFC Credit Card benefits and charges.
Credit cards offer a greater level of safety compared to cash. They are easier to carry, and you need not worry about losing them as you can get them blocked if misplaced or stolen.
Moreover, most credit cards come with complimentary insurance, so they are replaced without any charges if you misplace them.
You get to enjoy a multitude of HDFC Credit Card benefits when you choose from one of these top 5 HDFC Bank credit cards:
HDFC Regalia is a premium credit card that is best suited for frequent travellers. Its salient features are:
Complimentary lounge accesses in domestic airports for 12 visits and 6 visits at international lounges in a year
Travel concierge services that allow for convenient booking of hotels and airline tickets
Bonus reward points of 10,000 on spending ₹5 Lakhs, and an addition 5,000 points on spending ₹8 Lakhs in an anniversary year
This metallic card is for those who like to live a premium lifestyle. Here are some of the HDFC Infinia Card benefits:
Complimentary Club Marriott membership for the first year as a welcome gift
Exclusive free access to lounges at 1,000+ domestic and international airports
Dining discounts of 15% at over 20,000 restaurants
Complimentary stays & buffets at the participating ITC hotels
Global personal concierge 24x7
Unlimited complimentary golf games in India and abroad
HDFC Diners Club Black Credit Card is a great option if you want accommodation and dining benefit offers. Here are some benefits of using this card:
Complimentary annual membership to Club Marriott, Swiggy One (for 3 months), Amazon Prime, Forbes, MMT Black, and Times Prime
Monthly vouchers from Ola, Tata Cliq, Cult.fit Live, and Bookmyshow with spending above ₹80,000
2X reward points on dining experiences on weekends
Complimentary golf games (6 times per quarter)
This super-saver card lets you enjoy instant cashback when making a transaction. The following are some of its features:
500 cash points on the payment of the joining fee
Fuel surcharge waiver of up to 1% on a fuel bill of over ₹400
Smart EMI facility
2 reward points per ₹150 paid on other spends
HDFC Titanium Edge Credit Card is a reward-based card that offers rewards on every purchase made. Given below are some of the benefits of using this card:
Great offers on movies, dining, and other lifestyle activities
2 reward points for every purchase worth ₹150
50% more reward points as exclusive dining privileges
Savings of up to ₹250 every billing cycle with a 100% fuel surcharge waiver
HDFC Bank offers diverse credit card categories tailored to suit the needs and requirements of every customer.
Here are some of the HDFC Credit Card categories that you can choose a credit card from.
HDFC credit cards under the essentials category offer cashback and rewards on your online and offline transactions. As the name suggests, these cards are perfect for regular usage. HDFC credit cards under this category are MoneyBack+ Credit Card, Millennia Credit Card, Freedom Credit Card, and IndianOil HDFC Bank Credit Card.
Luxury credit cards offered by HDFC Bank have carefully curated premium services, and a top-notch rewards program that can help you get the best luxury experiences. Luxury credit cards by HDFC Bank include INFINIA Metal Edition and Diners Club Black Credit Card.
Discover a variety of co-branded HDFC credit cards, which are created in collaboration with top brands, offering a great range of benefits. Some of the co-branded HDFC credit cards are Tata Neu Infinity HDFC Bank Credit Card, Shoppers Stop HDFC Bank Credit Card, Paytm HDFC Bank Credit Card, HDFC Bank Platinum Times Card, 6E Rewards - IndiGo HDFC Bank Credit Card, etc.
With HDFC credit cards focused towards lifestyle, you get great rewards and access to luxurious indulgences. Some of these lifestyle credit cards include Regalia Gold Credit Card, Millennia Credit Card, Diners Club Privilege Credit Card, etc.
Travel credit cards by HDFC bank are great if you are a frequent traveller. With these cards, you get discounts on flights, vouchers, complimentary access to airport lounges, and more. Some of these cards are Regalia Gold Credit Card, HDFC Bank Regalia First Credit Card, IRCTC HDFC Bank Credit Card, 6E Rewards XL- IndiGo HDFC Bank Credit Card, etc.
With HDFC credit cards tailored for shopping, you open the door to an elevated shopping experience with great discounts, cashback and more. HDFC shopping credit cards are Tata Neu Infinity HDFC Bank Credit Card, Shoppers Stop HDFC Bank Credit Card, and Shoppers Stop Black HDFC Bank Credit Card, among others.
In addition to convenience, HDFC Credit Card benefits also include reward points that you earn after every transaction. Follow the list provided below to maximise your HDFC Credit Card benefits.
1. Sign-up Bonuses: Many credit cards offer sign-up bonuses and welcome gifts upon paying the joining fees. Selecting the appropriate credit card at the right time
can significantly enhance the value of your rewards.
2. Spending Benefits: HDFC Bank provides great benefits during specific periods and advanced bonus categories to help you categorise your spending. Also, everyday purchases using your HDFC credit cards can help you earn extra reward points, allowing for maximum benefits on spending.
3. Online Shopping: HDFC Bank has its own online shopping portal named SmartBuy, where you can make a purchase using a credit card. Purchases from SmartBuy are convenient and may even help you earn extra reward points.
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There is a range of HDFC credit card features, such as reward points, cashback, security of transactions, exclusive deals, etc.
HDFC Credit Card benefits include a grace period of up to 50 days between purchase and payment and great savings through cashback and rewards. In addition, you also get to enjoy exclusive deals at restaurants, frequent flyer benefits, and more.
HDFC Bank has a number of credit cards on offer across various categories. Whether you travel frequently, spend mostly on daily essentials, or go out for movies or dining, the bank has a credit card for your needs.
You can easily apply for an HDFC Credit Card offline. All you need to do is visit your nearest HDFC Bank branch and get in touch with a bank executive.
They will inform you about the application process and give you a form to fill out. You can submit the form along with the required documents.
If you have been using your HDFC Credit Card regularly and making timely payments, HDFC Bank can offer you a higher credit limit. Else, you can request the bank for an increased credit limit by getting in touch with their customer care representative.
HDFC Bank offers a range of credit cards based on the needs of various customer groups. You can choose from their Regalia, Infinia, Diners Club, Moneyback, Titanium Edge, Freedom, and Platinum credit cards.
Some of the best HDFC Credit Card features include exclusive offers and discounts, customised benefits, cashback points, etc.
Some of the HDFC Credit Card benefits include discounts, customised offers, cashback points, waivers on fuel surcharges, etc.