Disclaimer: HDFC Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.
HDFC Bank Limited is one of India's largest and most reputed banking and financial services companies. The bank offers a uniquely curated range of credit cards that give you benefits across various categories like business, lifestyle, fuel, travel and more. Each HDFC credit card is customised to cater to the different needs of users. With HDFC Bank credit cards, you can save while you spend and enjoy unmatched privileges, benefits, and rewards.
You can apply for a HDFC credit card online or offline. The process is simple no matter which channel you choose. Check out the steps you need to follow to apply for a HDFC Bank credit card.
To apply for a HDFC credit card online, here’s what you need to do.cr
Step 1: Visit the HDFC Bank website.
Step 2: Head to the ‘Credit Cards’ section.
Step 3: Browse through the HDFC credit cards available.
Step 4: Check your eligibility and choose the right credit card for your needs.
Step 5: Fill in the application form and submit it online, along with the necessary documents.
Step 6: You will receive your HDFC Bank credit card once your application is approved.
If you prefer to apply for a HDFC Bank credit card offline, here’s what you need to do.
Step 1: Visit the HDFC Bank branch that is nearest to you.
Step 2: Request a bank representative for a credit card application form.
Step 3: Fill in all the details required in the form carefully and accurately.
Step 4: Attach the required documents and submit your credit card application form at the bank branch.
Step 5: The bank will scrutinise your application and contact you for further details, if needed.
Step 6: Once your application is approved, you will receive your HDFC Bank credit card.
HDFC Bank offers a wide range of credit cards for interested applicants. Here are some of the top HDFC credit cards that you apply for online or offline.
The Business MoneyBack Credit Card offers a lot to its users, with the main benefits being accelerated reward points and cashback on all personal and business spends. This super saver HDFC credit card allows you to earn a monthly cashback of 5% on many key business spends.
You get these benefits on expenses related to dining, hotels, cab service, railway ticket booking, electricity payments and telecom payments. With a diverse range of business-centric benefits, the HDFC Business MoneyBack card is a true delight to every businessperson.
One of the most premium credit cards offered by HDFC Bank, the Business Regalia is a card where business meets luxury. The card comes equipped with a best-in-class reward points program on all your personal and business spends.
You get various other benefits too, such as cashbacks on utility bill payments, zero liability in case your card is lost, and low foreign currency markup of just 2%. With world-class privileges and numerous benefits, this is the card that lets you enjoy the best of everything.
Put your everyday financial concerns to rest with this HDFC Bank credit card that offers quick and easy credits for all your big purchases. The EasyEMI HDFC card offers a host of benefits including a 50-day interest-free credit period and revolving credit at nominal rates.
With this card, expenses above ₹10,000 are also automatically converted into EMIs with a repayment tenure of 9 months. You also get other advantages like cashbacks on various online and offline spends, interest-free cash withdrawals, contactless payments and a lot more.
The MoneyBack card is one of the few credit cards that gives you reward points on all retail spends. Unlike other credit cards, you can earn unlimited reward points with this one, which you can then redeem to buy products and services from the bank's catalogue.
You can also convert the accumulated points on this HDFC credit card into direct cashbacks at the rate of ₹20 for every 100 points. Also, with this super-saver card, you get 2x reward points on online spends, making it the best credit card for anyone who prefers to shop online.
HDFC Bank and IndiGo Airlines have partnered together to offer the co-branded 6E Rewards IndiGo HDFC Bank card. It is one of the best airline credit cards for frequent travellers. It offers you the option to redeem all your accumulated reward points and book IndiGo flights easily. With this credit card, you also get benefits like priority check-in, your choice of seats, quick baggage claim assistance and complimentary meals.
The 6E Rewards XL-IndiGo credit card is another co-branded card that HDFC Bank has issued by partnering with IndiGo Airlines. This card aims to make air travel more affordable for all the frequent flyers.
The card lets you earn several 6E Rewards, which can then be redeemed to book Indigo flights. Additionally, with this HDFC credit card, you also get complimentary tickets from IndiGo Airlines as well as other travel privileges such as free access to airport lounges, priority check-in, your choice of seat, free meals and quick baggage claim assistance.
Issued as a co-branded card with Indian Oil Corporation, this fuel credit card by HDFC Bank is one of the best credit cards for the people who frequently refuel their vehicles at Indian Oil petrol stations. With this IndianOil HDFC Bank Credit Card, you can save on your fuel expenses and earn up to 50 litres of free fuel annually.
If entertainment is what keeps you going, the Times Titanium credit card is designed for you. This HDFC credit card offers a host of movie and dining offers. You get to earn 5 reward points on dining spends made from Monday to Friday, a 25% discount on movie ticket bookings and a lot more.
This HDFC Bank credit card is exclusively curated for the foodies and movie buffs. The HDFC Bank Platinum Times Credit Card gives you numerous benefits on lifestyle expenses, such as 50% discounts on movie tickets booked on BookMyShow, 20% discounts on travel and shopping and up to 10 reward points on weekday dining spends. The card also offers amazing discounts on wellness and fuel expenses for purchases from select partners.
One of the most premium offerings by HDFC Bank, the Diners Club Black Credit Card is highly regarded as a top credit card in India due to its great features and perks. The HDFC card offers 6 complimentary golf game privileges per quarter, unlimited access to over 1,000 domestic airport lounges, great rewards across all spending categories, a low foreign currency markup and revolving credit at an interest rate of just 1.99% per month.
Diners Club Privilege Credit Card is one of the best HDFC credit cards that is specially designed for people who prefer to fly through the InterMiles platform or Club Vistara, and are looking for a great travel rewards card. The card features a wide range of benefits and offers along with comprehensive insurance coverage for accidents, hospitalisation, baggage delay and more.
The Regalia Credit Card from HDFC Bank is a highly sought-after card that gives you financial freedom with a plethora of lifestyle and travel benefits. The card comes with an exclusive complimentary Dineout Passport Membership, complimentary access to domestic airport lounges 12 times a year and access to international airport lounges 6 times a year. The Regalia credit card is also a great option for users looking to acquire a points card with guaranteed travel benefits.
As the name suggests, the Millennia Credit Card from HDFC Bank is specially designed for the millennials who enjoy shopping online and like to get rewarded for their spends. With this credit card, you can earn up to 5% cashback for online transactions made on select partner platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
If you are interested in applying for a HDFC credit card, you need to check your eligibility beforehand and be aware of the documents required for the application. Check out these details below.
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 or self-employed
A copy of 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
Credit cards from HDFC Bank offer a host of benefits and advantages. Check out the key features of the top HDFC credit cards below.
Annual fee of ₹500
Upto 50 days of free credit period if you make all vendor/supplier bill payments and GST payments using the card
5% monthly cashback on essential business spends
Pre-approved instant loans and cash withdrawal facility
Easy EMI options for bulk purchases of furniture, electronics and interiors for your business
Annual fee of ₹2,500
Lowest foreign currency mark up of just 2% on all foreign currency spends
Zero liability in case of loss of card
Upto 20% on dining bills paid through DineoutPAY
1% fuel surcharge waiver at all fuel stations across India
Annual fee of ₹500
Easy conversion of all transactions of ₹10,000 and above (except on fuel and jewellery) into easy EMIs for 9 months
5% cashback on n shopping via PayZapp and SmartBuy, for a minimum transaction of ₹2,000
2.5% cashback on online spends of ₹2,000 or above
Assured 1% fuel surcharge waiver
Annual fee of ₹500
Welcome benefit of 500 cash points
Interest-free credit period up to 50 days
Gift voucher of ₹500 on retail spends of ₹50,000 in a calendar quarter
1% fuel surcharge waiver on fuel transactions
Annual fee of ₹700
1 complimentary 6E Prime add-on as a welcome benefit, which includes priority check-in, preference of seat, complimentary meal and baggage claim assistance
1 complimentary IndiGo air ticket worth ₹1,500 on making 3 transactions or more in each of the first 3 months
2.5% 6E rewards on IndiGo spends
1% 6E rewards on other spends
Annual fee of ₹2,500
8 complimentary domestic lounge accesses per year
1 6E Prime add-on as a welcome benefit, which includes priority check-in, preference of seat, complimentary meal and baggage claim assistance
1 complimentary IndiGo air ticket worth ₹3,000 on making 3 transactions or more in each of the first 3 months
Up to 15% 6E rewards on spends made towards IndiGo’s featured partners
Annual fee of ₹500
Up to 50 litres of free fuel annually
Fuel Points redeemable for free fuel at IndianOil outlets
Assured 1% fuel surcharge waiver
Waiver of renewal membership fee on spends of ₹50,000 or more in the first year
Annual fee of ₹500
25% discount on movie tickets at BookMyShow
Up to 35% off at select restaurants on spends via the Dineout app
Welcome e-vouchers worth ₹5,000 across categories
Waiver of renewal membership fee on spends of ₹1,50,000 or more in a year
Annual fee of ₹1,000
50% discount on movie tickets at BookMyShow
Up to 40% off at select restaurants on spends via the Dineout app
1% waiver of fuel surcharge
Welcome e-vouchers worth ₹5,000 across categories
Annual fee of ₹ 10,000
Complimentary annual memberships from Amazon Prime, Times Prime, Club Marriott, MMT BLACK and Forbes
Complimentary vouchers from Ola Cabs, Cult.fit Live, BookMyShow and TataCliQ on spends of over ₹80,000 per month
Complimentary unlimited lounge access for primary and add-on cards
6 complimentary golf accesses per quarter at the finest golf courses
Annual Fee of ₹2500
Complimentary annual memberships from Amazon Prime, Times Prime, Dineout Passport and MMT BLACK
Complimentary vouchers from Ola Cabs, Cult.fit Live, BookMyShow and TataCliQ on spends of over ₹0,000 per month
12 complimentary lounge access per year for primary and add-on cards
6 complimentary golf access at the finest golf courses per quarter
Annual Fee of ₹2,500
Complimentary Dineout Passport Membership
Assured flat 25% off at 2000+ premium restaurants
12 complimentary domestic airport lounge access and 6 complimentary international airport lounge access
Waiver of renewal fee on spends more than ₹3 lakhs in the previous year
Annual fee of ₹1,000
5% cashback on Amazon, BookMyShow, Flipkart, Cult.fit, Myntra, Swiggy, Sony LIV, Tata CLiQ, Zomato and Uber
1% cashback on all other spends (except fuel)
8 complimentary domestic lounge access per year
Assured 1% fuel surcharge waiver
Check out the key fees and charges that are associated with HDFC Bank credit cards below.
Joining Fee or Annual Fee:
Varies from one card to another, and ranges from ₹250 to ₹10,000
Add-on Card Fee:
Same as the ones charged on the primary cards
Cash Advance Fee:
2.5% of the withdrawn amount or ₹500, whichever is higher
Late Payment Charges:
Nil if statement balance less than ₹100
₹100 if statement balance is between ₹100 and ₹500
₹500 if statement balance is between ₹501 and ₹5,000
₹600 if statement balance is between ₹5,001 and ₹10,000
₹800 if statement balance is between ₹10,001 and ₹25,000
₹1,100 if statement balance is between ₹25,001 and ₹50,000
₹1,300 if statement balance is more than ₹50,000
Overlimit Charge:
2.5% of the overlimit amount, subject to a minimum of ₹500
Foreign Currency Transactions:
Varies from card to card, and ranges from 2% to 3.5%
Payment Return Charges:
2% of the payment amount, subject to a minimum of ₹450
Cash Processing Fee:
₹100 for all card payments made by depositing in HDFC Bank branches or ATMs
Reissue of Lost, Stolen, or Damaged Card:
₹100
Balance Transfer Processing Charges:
1% of the balance transfer amount or ₹250, whichever is higher
In case you have any queries or concerns regarding your HDFC Bank credit card, you can contact the credit card customer care executives or opt to send an email.
You can contact the HDFC credit card customer care by dialling any of the following numbers: 1800 202 6161 or 1860 267 6161.
If you prefer to email the team, you can write to HDFC Bank credit card customer care at customerservices.cards@hdfcbank.com
Some of the best HDFC Bank credit card options that you can choose from are mentioned below-
Business MoneyBack Credit Card
Business Regalia Credit Card
EasyEMI Credit Card
MoneyBack Credit Card
6E Rewards-IndiGo HDFC Bank Credit Card
6E Rewards XL-IndiGo HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card
Times Titanium Credit Card
Times Platinum Credit Card
Diners Club Black Credit Card
Diners Club Privilege Credit Card
Regalia Credit Card
Millennia Credit Card
To be eligible for a HDFC Bank credit card, you need to have an above-average credit score of 750 or higher.
The salary criteria vary from one credit card to another. You can check out the minimum salary required for the HDFC card you are interested in online.
While you cannot change the type of the card you hold, you can always place a request for a credit card upgrade with your bank or credit card issuer.
Yes, you can redeem your reward points for flight tickets with co-branded cards like the HDFC 6E Rewards-IndiGo Credit Card and the HDFC 6E Rewards XL-IndiGo Credit Card.
Yes, there is no limit on the number of credit cards you can own. So, if you are eligible for multiple HDFC credit cards, you can definitely apply for and own them all.
Yes, all HDFC credit cards offer different kinds of reward points, cashbacks and air miles on specific spends. You can earn these benefits when you make any eligible transaction using your HDFC Bank credit card.