HDFC Bank Credit Card

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HDFC Bank Credit Cards in India 

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.

Apply for HDFC Bank Credit Cards

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. 

1. How to Apply for HDFC Bank Credit Card Online

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.

2. How to Apply for HDFC Bank Credit Card Offline

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.

Top HDFC Bank Credit Cards 

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. 

1. HDFC Business MoneyBack Credit Card

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.

2. HDFC Business Regalia Credit Card

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.

3. HDFC EasyEMI Credit Card

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.

4. HDFC MoneyBack Credit Card

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.

5. HDFC 6E Rewards-IndiGo Credit Card

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.

6. HDFC 6E Rewards XL-IndiGo Credit Card

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.

7. IndianOil HDFC Bank Credit Card

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.

8. HDFC Times Titanium Credit Card

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.

9. HDFC Times Platinum Credit Card

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.

10. HDFC Diners Club Black Credit Card

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.

11. HDFC Diners Club Privilege Credit Card

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.

12. HDFC Regalia Credit Card

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.

13. HDFC Millennia Credit Card

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.

Eligibility Criteria and Documents Required for HDFC Bank Credit Cards 

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.

 

1. Eligibility Criteria for HDFC 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 or self-employed

2. Documents Required for HDFC Credit Card

  • 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

Features and Benefits of HDFC Bank Credit Cards

Credit cards from HDFC Bank offer a host of benefits and advantages. Check out the key features of the top HDFC credit cards below.

1. HDFC Business MoneyBack Credit Card

  • 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 

2. HDFC Business Regalia Credit Card

  • 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

3. HDFC EasyEMI Card

  • 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

4. HDFC MoneyBack Credit Card

  • 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

5. HDFC 6E Rewards - IndiGo Credit Card

  • 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

6. HDFC 6E Rewards XL - IndiGo Credit Card

  • 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

7. IndianOil HDFC Bank Credit Card

  • 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

8. HDFC Times Titanium Credit Card

  • 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

9. HDFC Times Platinum Credit Card

  • 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

10. HDFC Diners Club Black Credit Card

  • 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 

11. HDFC Diners Club Privilege Credit Card

  • 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

12. HDFC Regalia Credit Card

  • 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

13. HDFC Millennai Credit Card

  • 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

HDFC Bank Credit Cards Fees and Charges 

Check out the key fees and charges that are associated with HDFC Bank credit cards below.

 

1. Joining Fee or Annual Fee

Varies from one card to another, and ranges from ₹250 to ₹10,000

2. Add-on Card Fee:

Same as the ones charged on the primary cards

3. Cash Advance Fee:

2.5% of the withdrawn amount or ₹500, whichever is higher

4. 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

5. Overlimit Charge:

2.5% of the overlimit amount, subject to a minimum of ₹500

6. Foreign Currency Transactions:

Varies from card to card, and ranges from 2% to 3.5%

7. Payment Return Charges:

2% of the payment amount, subject to a minimum of ₹450

8. Cash Processing Fee:

₹100 for all card payments made by depositing in HDFC Bank branches or ATMs

9. Reissue of Lost, Stolen, or Damaged Card:

₹100

10. Balance Transfer Processing Charges:

1% of the balance transfer amount or ₹250, whichever is higher

How to Contact HDFC 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 or opt to send an email.

  • HDFC Credit Card Customer Care Number

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

  • HDFC 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

Frequently Asked Questions About HDFC Bank Credit Card

  • ✔️Which is the best credit card in HDFC Bank?

    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

  • ✔️What is the minimum credit score for an HDFC Bank credit card?

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

  • ✔️What is the minimum salary required for an HDFC Bank credit card?

    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.

  • ✔️Can I change the type of my HDFC credit card?

    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. 

  • ✔️Does HDFC Bank offer the option of converting accrued rewards points into air miles or airline e-vouchers?

    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.

  • ✔️ Can I own two HDFC 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 credit cards, you can definitely apply for and own them all.

  • ✔️Can I earn reward points and JPMiles for expenses done using my HDFC Bank credit card?

    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.

  • ✔️Is there any chance of increasing the limit on my HDFC Bank credit card?

    Yes, 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.

  • ✔️Is it possible to own two HDFC credit cards at once?

    It is generally not possible to own two credit cards at once but if you have a good credit score, the issuing bank can consider giving you another credit card.