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HDFC Bank Credit Card Features and Benefits

**Disclaimer: HDFC Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.


HDFC Bank is India’s largest private sector bank by assets and the largest bank in India by market capitalization. With a wide network of over 15,292 ATMs and 5500 branches spread across 2848 cities, HDFC bank has issued over 1.5 crore credit cards as of 2020. This makes HDFC the largest issuer of credit cards in India. More Indians trust HDFC credit cards than any other card as HDFC credit cards offer a host of features and benefits that blend ease of use with great value for money. Read on to find out more about the various benefits of HDFC Bank credit cards.

Key Features and Benefits of HDFC Credit Cards

  1. Great System of Rewards - Every time you use your HDFC credit card for transactions, you earn reward points that can be redeemed for great offers leading to major savings.

  2. Interest-free Credit - A great HDFC Bank credit card benefit is that it offers a grace period between a transaction and the repayment date during which no interest is charged by the bank.

  3. Complementary Insurance – Another great HDFC card benefit is that you become entitled to accidental death cover as well as burglary and fire cover on certain items that you purchase using your HDFC credit card, as long as certain minimum spending requirements are fulfilled.

  4. Great Travel Benefits – With an HDFC credit card, you get a range of travel benefits such as lounge access, baggage allowance, complimentary flight tickets, extra air miles, and much more, making HDFC credit cards especially attractive to frequent travelers.

  5. Improve Your Credit Score – Another HDFC Bank credit card benefit is that every time you use your HDFC credit card for a transaction and make your payments on time, your CIBIL score improves. This makes you eligible for cheaper and faster loans besides a host of other offers that banks offer only to customers with a great credit history.

Top 5 HDFC Card Benefits

1. HDFC Regalia Credit Card

HDFC Regalia is a premium credit card that is best suited for frequent travelers. Its salient features are:

  • A great rewards programme that allows you to save up to 70% on flight bookings by redeeming your reward points.

  • Great savings on spending using foreign currency with a low markup. This feature allows great savings for people who need to do a lot of spending in foreign countries.

  • Travel concierge services that allow for convenient booking of hotels and airline tickets.

2. HDFC Infinia Card

  • Minimum credit limit of Rs. 10 Lakhs and no pre-set spending limit.

  • Exclusive lifestyle privileges such as access to golf clubs, complementary golf lessons, and great discounts at restaurants at select golf clubs.

  • Great dining privileges’ that allow you to save at least 15% at a network of over 3000 restaurants.

3. HDFC Diners Club Black Card

  • Complementary annual membership of Club Marriott, Zomato Gold that provides exclusive dining and accommodation privileges to members.

  • Monthly vouchers from Ola, Tata Cliq, and Bookmyshow with spending above Rs. 80,000.

  • Earn 5 reward points for every expenditure worth Rs. 150.

4. HDFC Moneyback Card

  • Get maximum cashback as compared to other cards. Every 100 reward points are worth Rs. 30.

  • Get a fuel surcharge waiver of up to 1% on a fuel bill of over Rs. 400.

  • Enjoy interest-free credit with a grace period of up to 50 days between purchase and payment during which no interest is charged by the bank.

5. HDFC Titanium Edge Credit Card

  • Great offers on movies, dining, and other lifestyle activities.

  • Earn 2 reward points for every purchase worth Rs. 150.

  • Safe and secure transactions with chip-enabled cards.

FAQs about HDFC Bank Credit Card Facilities

  • ✔️What are the features of HDFC credit cards?

    There are a range of HDFC Bank credit card features such as reward points, cashback, security of transaction, exclusive deals, etc.

  • ✔️What is the benefit of using an HDFC credit card?

    Benefits of HDFC Bank credit card include a grace period of up to 50 days between purchase and payment, great savings through cashback and rewards, exclusive deals at restaurants, frequent flier benefits, and more.