HDFC Bank Credit Card

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HDFC Bank Credit Cards in India

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 card, you can save while you spend and enjoy unmatched privileges, benefits, and rewards.

Top HDFC Bank Credit Cards 

Here are some of the various top HDFC Credit Card products that you can compare and check out:

  • HDFC Diners Club Black Credit Card

Due to its outstanding features and benefits, the HDFC Diners Club Black Credit Card is among the top credit cards. This HDFC Bank credit card gives 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 and an overdraft with a 1.99% monthly interest rate.

With a wide range of luxury and travelling advantages, the HDFC 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’re looking for a HDFC Bank credit card with assured travel advantages, the HDFC Regalia is an excellent choice.

  • HDFC Bank Diners ClubMiles Card

The HDFC Diners Club Privilege Credit Card offers a variety of perks and rewards in addition to complete insurance coverage for luggage delays, accidents among others. It is particularly designed for customers who seek great travel rewards and purchase flight tickets using the InterMiles or Club Vistara systems.

  • HDFC Bank MoneyBack Credit Card

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

The MoneyBack credit card also offers instant cashbacks at a rate of ₹20 for every 100 points collected. It is ideal for anyone who enjoys online shopping because it also offers 2x reward points on online purchases.

  • HDFC Bank Titanium Times Card

The 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.

  • HDFC Bank Regalia First Card

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 airport lounges, 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. 

  • HDFC Freedom Credit Card

HDFC Freedom Credit Card is a rewards card that offers cashback and discounts on various categories such as shopping, dining, and travel. It also comes with benefits such as zero liability on lost cards, worldwide acceptance, and flexible payment options. 

  • HDFC Bank Platinum Times Card

The HDFC Platinum Times Bank 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, 20% off travel and shopping, and a 50% discount on movie tickets purchased through BookMyShow. 

On shopping from certain partners, the card also provides exceptional reductions on fuel/gasoline and wellness costs.

  • InterMiles HDFC Bank Platinum Credit Card

InterMiles HDFC Bank Platinum Credit Card offers exclusive travel benefits such as free lounge access, complimentary air tickets and discounts on hotels. Cardholders can earn InterMiles on all their 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 of HDFC Bank Credit Cards

Some general features of the HDFC bank credit card products are as follows:

 

  1. Access a wide range of offers and personalised deals

  2. Nominal fees for transactions allowing you to utilise the card to its full potential

  3. Benefit from zero liability in instances of fraud 

  4. Easy management with digital portals and mobile apps

Benefits of HDFC Bank Credit Cards

As one of the top issuers, you enjoy several benefits with these credit cards. Some of these are as follows. 

 

  1. It helps you keep records of your expenses using the comprehensive list of expenditures provided on the credit card statement

  2. Facility to avail of the Jumbo Instant Loan from the HDFC Bank

  3. Provides a wide range of cashback, discounts, reward points, fuel surcharge, free access to both domestic and international airport lounges

  4. Offers the attractive 'buy now, pay later' option. 

  5. Enjoy automated payment solutions for regular expenses like phone, energy, and utility bills.

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

How to Apply for HDFC Bank Credit Cards 

1. Steps to Apply HDFC Bank Credit Card Apply Online

Following are the steps to apply for an HDFC 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 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 to take 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 

HDFC Credit Card Rewards Program

The HDFC Bank offers you enticing perks so you can save on your spending. The bank also provides various benefits across its credit card range. The reward rate on various credit cards typically varies with premium cards offering more rewards and basic cards offering lower rewards.

 

Here’s a list of those rewards on different HDFC credit cards:

Type of Credit Card

Rewards Offered

Diners Club Privilege Credit Card

4 Reward Points per ₹150

Regalia Credit Card

4 Reward Points per ₹150

HDFC Bank MoneyBack Plus Credit Card

10x Cash Points on Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy.

5x Cash Points on EMI spends and 2 Cash Points on every spend of ₹150.

Diners Club Black Credit Card

5 Reward Points per ₹150

Infinia Credit Card

5 Reward Points per ₹150

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

 

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.

Frequently Asked Questions About HDFC Bank Credit Card

  • ✔️What are the fees and charges for HDFC Bank credit cards?

    When it comes to HDFC credit cards, apply only once you know the charges. They are as follows:

    1. Joining Fee or Annual Fee: 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 id 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 applicable on payments done at 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

  • ✔️Which is the best credit card offered by HDFC Bank?

    Some of the best HDFC Bank credit card options that you can choose from are:

    • 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. 

  • ✔️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 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.

  • ✔️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.