HDFC Bank Credit Card

Highlights

  • Go through all the Credit Cards that are offered by the HDFC Bank.
  • You can enjoy great offers and privileges on these credit cards and can earn thousands of reward points.
  • Check the fees and eligibility criteria of these credit cards and the process to apply for them.

HDFC Bank has a premium collection of credit cards whether they are for a middle-class individual or elite customers. You can make use of these credit cards and enjoy the best offers on them. They will allow you to earn reward points and enjoy access to the airport lounges. There are many other benefits available on the HDFC Bank Credit Cards that include discounts on movie tickets, discounts on fuel surcharges, and many others. So, if you are willing to apply for an HDFC Credit Card then you must explore all of them. All of these cards are categorized into fuel cards, lifestyle cards, travel cards, and entertainment credit cards.

Credit Card

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    Professional Details

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    List of Top HDFC Credit Cards in India 2022

    HDFC Bank offers an exclusive range of credit cards that seek to provide a unique experience to the customers. Take a look at its list of credit cards and pick the one that suits you the most.

    Credit CardsJoining Fee (In ₹)Annual Fee (In ₹)
    HDFC Infinia Credit Card1000010000
    HDFC Regalia Card25002500
    HDFC Diners Club Black Card100005000
    HDFC Platinum Times CardCard10001000
    HDFC Titanium Times Card500500
    HDFC Teacher's Platinum Credit Card500500
    HDFC Doctor's Superia Credit Card10001000
    HDFC Superia Credit CardAs ApplicableAs Applicable
    HDFC Solitaire Credit Card10001000
    HDFC World MasterCardAs ApplicableAs Applicable
    HDFC Visa Signature CardAs ApplicableAs Applicable
    HDFC Platinum Plus CardAs ApplicableAs Applicable
    HDFC Platinum Edge CardAs ApplicableAs Applicable
    HDFC Titanium Edge Credit CardAs ApplicableAs Applicable
    HDFC Money Back Credit Card500500
    HDFC Corporate Platinum CardAs ApplicableAs Applicable
    HDFC Corporate World MasterCardAs ApplicableAs Applicable
    HDFC Corporate CardAs ApplicableAs Applicable
    HDFC Corporate Visa Signature CardAs ApplicableAs Applicable
    HDFC Diners Club Privilege Credit Card25002500
    HDFC Millennia Credit Card10001000
    HDFC MoneyBack Plus Credit Card500500
    HDFC Freedom Credit Card500500
    HDFC Regalia First Credit Card10001000
    HDFC Diners Club Miles Credit Card10001000
    Indigo HDFC Bank Credit Card – 6E Rewards700700
    6E Rewards XL- Indigo HDFC Credit Card25002500
    InterMiles HDFC Bank Diners Club Credit Card50005000
    InterMiles HDFC Bank Signature Credit Card25002500
    InterMiles HDFC Bank Platinum Credit Card10001000
    Indian Oil HDFC Bank Credit Card500500
    HDFC Easy EMI Card500500
    HDFC Bharat Credit Card500500
    HDFC Diners Club Premium Credit Card25002500
    HDFC Diners Club Rewardz Credit Card10001000
    HDFC Doctor’s Regalia Credit Card25002500

    Note:- “The GST will be charged on the credit card Fee”

    HDFC Infinia Credit Card

    You can earn many reward points on this credit card and enjoy complimentary access to the airport lounges through it.

    • Get 5 reward points on every ₹150 spent on retail, insurance and utility.  
    • 10X reward benefit on travel and shopping via Smartbuy
    • 2X Rewards on dining and at stand-alone restaurants. 
    • The accumulated reward points can be redeemed against bookings for entertainment and travel at hdfcbankinfinia.com.
    • Reward points can be converted into AirMiles of major domestic and international airlines.
    • Complimentary Lounge Access at the select airports across the globe
    • Complimentary golf sessions in India at leading golf courses.  
    • A minimum 20% discount on dining at top restaurants under Club Marriott membership

    HDFC Regalia Card

    This HDFC Credit Card gives you the Zomato Gold Membership through which you can order food at a discounted price. On the other hand, it also gives you the dining benefits under Club Marriot Membership.

    • Welcome benefit of Zomato Gold membership
    • Complimentary dishes and drinks at Gold Food and Gold Drinks partnered restaurants  
    • Earn 4 reward points on every ₹150 spend on retail, insurance and utility payments
    • Reward points redeemable against bookings for travel and entertainment
    • Reward points convertible into AirMiles of major domestic and international airports
    • 1 point is equal to 50 paise at the time of redemption
    • 1% fuel surcharge waiver on a minimum transaction of ₹400
    • 24X7 travel concierge assistance
    • ₹15 lakh cover for any medical emergency while travelling within India and outside the country
    • Air accident cover of ₹1 crore to the nominated kin in the event of a death during an air accident and a credit liability cover of ₹9 lakh

    HDFC Diners Club Black Card

    This credit card gives you the membership of Zomato Gold, Amazon Prime, Club Marriot so that you have a luxurious experience.

    • Earn 5 rewards on retail spends of ₹150 and above
    • Annual membership from Club Marriott, Zomato Gold, Amazon Prime, Forbes, MMTdoublebalck and Times Prime any of these on the first transaction of Diner club Balck card. 
    • Access to 800 lounges all over the world including domestic airports in India
    • 6 complimentary golf sessions per quarter at the top courses across the world  
    • 2 monthly vouchers of Ola, BookMyShow or Tatacliq worth ₹500 on monthly spends of ₹80,000
    • Air accident insurance cover of ₹2 crore with travel insurance of ₹50,000 on baggage delay.

    HDFC Platinum Times Card

    This is a reward-earning credit card in which you can earn thousands of reward points by making various transactions and can save some bucks on fuel transactions as well.

    • 3 reward points on a spend of every ₹150
    • Avail 10 reward points on every ₹150 spent on dining spend on weekdays from Monday to Friday
    • 1% convenience fee on fuel spends
    • Avail discounts worth ₹1,800 or more in a year on booking movie tickets
    • A discount of ₹9,600 or more on dining in a year
    • A saving of ₹1,500 can be made on fuel transactions

    HDFC Titanium Times Card

    This credit card gives you dining benefits in which you can save up to 25% at the selected restaurants and earn many reward points through it.

    • 25% discount on movies and 15% on dining at select outlets.
    • Earn 2 reward points on every ₹150 spent
    • 5 reward points on dining spend made from Monday to Friday

    HDFC Teacher’s Platinum Credit Card

    You can have great offers on this card on the 5th of September that is Teachers Day and multiply your reward points three times on weekend shopping.

    • Earn 2 reward points on a spend of every ₹150
    • Enjoy weekend shopping with 3X reward points, accumulating upto 2,400 in a year
    • Get 500 bonus reward points on Teacher’s Day i.e. 5th September each year
    • Save upto ₹1,500 in a year on fuel transactions
    • 3 lifetime add on card benefit to the cardholder

    HDFC Doctor’s Superia Credit Card

    The Doctor’s Superia Credit Card gives you a lot of exclusive benefits like earning reward points and enjoying free access to the airport lounges.

    • Get 1,000 reward points as a welcome gift
    • 3 reward points on a spend of every ₹150
    • Enjoy Complimentary Priority Pass Membership and MasterCard Lounge Program
    • Annual saving of upto₹ 8,300 on fuel transactions and airport lounge access across airports in India and overseas

    HDFC Superia Credit Card

    You can earn 1000 reward points as a welcome gift on this card and 50% more reward points on dining.

    • Earn 1,000 reward points as a welcome gift
    • 3 reward points on a spend of every ₹150
    • Earn 50% more reward points on dining expenses
    • Redeem reward points and save upto ₹8,000 on your Air Travels
    • Enjoy complimentary Priority Pass Membership

    HDFC Solitaire Credit Card

    This credit card gives you milestone benefits in which you can grab a shopping voucher worth INR 1000 on spending INR 75000 within 6 months.

    • Grab shopping vouchers worth ₹1,000 on a spend of ₹75,000 every 6 months
    • 3 reward points on every ₹150 spent
    • Dining & grocery spend makes you earn 50% more reward points
    • Reward points redeemable against cashback and catalog products
    • Save ₹250 on every billing cycle on your fuels spends with 100% Fuel Surcharge Waiver

    World Master Credit Card

    You can have the Priority Pass Membership on this credit card through which you will get access to more than 600 airport lounges globally.

    • 2 reward points on a spend of ₹150
    • 50% extra reward points for incremental spends of more than ₹75,000 in a statement cycle
    • Enjoy complimentary Priority Pass Membership
    • Get access to 600 airport lounge across the globe
    • And save ₹8,300 on airport lounge access and fuel purchase in a year 
    • Upto 3 add-on cards available

    Visa Signature Card

    The Visa Signature Credit Card provides you an interest-free period for up to 50 days and no liability benefit if this card gets stolen.

    • 2 reward points on every spend of ₹150
    • Access to over 600 airport lounges in more than 300 cities globally
    • 50 days of credit free interest period
    • No liability on lost card if immediately reported

    Platinum Plus Card

    You will earn 50% additional reward points on this credit card by spending INR 50000 or more in a year.

    • 2 reward points on every spend of ₹ 150
    • 50% additional reward points on incremental spends of more than ₹50,000 in a statement cycle

    Platinum Edge Card

    You can earn thousands of reward points through this credit card and redeem them by buying vouchers from various brands.

    • 2 reward points on a spend of ₹150
    • Earn 50% additional reward points at select restaurants
    • Redeem reward points as Cashback, Airmiles and gift vouchers
    • 100 reward points is equal to ₹10, use the Cashback to pay your card outstanding credit 

    Titanium Edge Card

    This HDFC bank credit card will waive off your fuel surcharge and you can save some money on your fuel expenses.

    • 2 reward points on a spend of ₹150
    • 50% additional reward points on dining spends
    • 50 days of interest free period
    • 100% fuel surcharge waiver with ₹250 savings on your billing cycle

    HDFC MoneyBack Card

    The HDFC MoneyBack credit card allows you to multiply your reward points 2 times by making online transactions.

    • 2 reward points on every spend of ₹150
    • 2X reward points on online spends
    • Redeem reward points as Cashback to pay the outstanding credit balance of your card
    • 100 reward points are equal to ₹20

    Corporate Platinum Card

    It is a corporate credit card that has reward point benefits and you can enjoy free visits to the airport lounges.

    • Earn 3 reward points on a spend of every ₹150
    • Reward points are subjected to a maximum of 6,000 in a statement cycle. 
    • 1% Fuel surcharge waiver on transactions of ₹400 to ₹5,000
    • Exclusive 8 domestic airport lounge access per calendar year
    • 24X7 online MIS
    • 60 MIS reports including spending analysis, summary & details of cost allocation
    • Summary & details of merchants
    • Air Accident cover of ₹1 crore and ₹3 lakh Road and Rail accident insurance

    Corporate World MasterCard

    This HDFC Credit Card gives you exciting benefits in which you can have free visits to the airport lounges and earn thousands of reward points.

    • Earn 2 reward points on a spend of every ₹150
    • Fuel surcharge waiver on transactions worth ₹400-5,000
    • 6 Exclusive lounge access at 1200+ airports across the world under priority Pass membership
    • 8 complimentary lounges access to the domestic airports under Visa or MasterCard franchise lounge program 
    • 24×7 online MIS
    • 60 MIS reports including spending analysis, summary & details of cost allocation
    • Summary & details of merchants

    Corporate Card

    It is the best card to earn reward points because you can earn 5 reward points per INR 150 on this credit card.

    • Get 5 reward points on a spend of every ₹150
    • Maximum 10,000 points can be collected within a statement cycle
    • 1% Fuel surcharge waiver on transactions worth ₹400-10,000
    • Exclusive lounge access at domestic and international airports under priority pass membership
    • 24×7 online MIS
    • 60 MIS reports including spending analysis, summary & details of cost allocation
    • Summary & details of merchants

    HDFC Corporate Visa Signature Card

    This card gives you access to the airport lounges and you can even enjoy a fuel surcharge waiver at the refilling stations through it.

    • Get 2 reward points on a spend of every ₹150
    • Fuel surcharge waiver on transactions worth ₹400-5,000
    • Exclusive lounge access at airports
    • 24×7 online MIS
    • 60 MIS reports including spending analysis, summary & details of cost allocation
    • Summary & details of merchants

    HDFC Diners Club Privilege Credit Card

    • Enjoy a complimentary Annual membership of Amazon Prime, Zomato Pro, MMT BLACK, BB Star, and Times Prime
    • Spend INR 40000 every month and get complimentary Ola Select, cult.fit Live, BookMyShow, and TataCliQ vouchers.
    • Earn 4 Reward Points per INR 150
    • Multiply your Reward Points 10 times at Partner Brands
    • Get 2X Reward Points on weekend dining.
    • Enjoy free Golf games across the finest courses in the world limited to 2 games per quarter.
    • You will get a Credit liability cover.
    • The Foreign Currency Markup fee is 1.99% on all your foreign currency spends. of INR  9 lacs.
    • Get dining privilegesthat is 2X on weekend dining.
    • Enjoy 12 Complimentary Airport lounge access.
    • Get an Air accident insurance cover worth INR 1 crore.
    • Have Emergency overseas hospitalization Cover of INR 25 Lacs.

    HDFC Millennia Credit Card

    You can enjoy cashbacks and discounts on recharging online wallets through this credit card and enjoy complimentary visits to the airport lounges.

    • Enjoy a Cashback of 5% on Amazon and Flipkart. Cashback of 2.5% on all the other online transactions through Payzapp and Smartbuy.
    • Enjoy 1% Cashback on offline transactions and recharging online wallets.
    • Have 8 Complimentary Visits to the Domestic Airport Lounge Annually through this HDFC bank Credit Card.
    • Grab a fuel surcharge waiver of 1% at the refilling stations.
    • Make Contactless payment through this card without entering a PIN.

    HDFC Moneyback Plus Credit Card

    • Earn 10X CashPoints
      • Amazon
      • Bigbasket
      • Flipkart
      • Reliance Smart Super Store
      • Swiggy
    • Enjoy 5X CashPoints on EMI spends at merchant locations.
    • Earn 2 CashPoints per INR 150 spent on other spends.
    • Have a gift voucher of INR 500 on spending INR 50000 per calendar quarter.
    • Enjoy a discount of up to 15% at 2000+ premium restaurants in select cities.

    HDFC Freedom Credit Card

    This credit card has reward point benefits and you can even waive off the credit card fee by achieving a certain threshold.

    • Enjoy 5X reward points on dining, grocery, movies, railways or taxi spends.
    • Multiply your reward points 10 times on SmartBuy and PayZapp spends.
    • Multiply your reward points 25 times on spending made during birthdays.
    • Enjoy a gift voucher worth INR 10000 on spending INR 90000 and more annually.
    • Waive off the renewal fee by spending INR 60000 in a year.
    • Make a minimum of 4 transactions every month and get free accidental death insurance of up to INR 50 lacs.

    HDFC Regalia First Credit Card

    The Regalia First Credit Card will give you a welcome benefit of 1000 reward points that are easily redeemable on the official reward point redemption website.

    • Get 1000 reward points as the welcome benefit and the renewal benefit on this credit card.
    • Enjoy 8 free accesses to the domestic airport lounges in India in a year.
    • Enjoy 3 complimentary visits to the international airport lounges under the priority pass program.
    • Spend INR 300000 or more in a year and earn 5000 Reward Points.
    • Earn an additional 2500 Reward Points on annual spending of INR 600000 or more annually.
    • Get 4 Reward Points per INR 150 including insurance, utilities, education, and rent pay.
    • Earn 5% Cashback on traveling and shopping spends through SmartBuy.
    • Get a fuel surcharge waiver of 1% on the transactions of INR 400 and above.
    • Enjoy Accidental Air Death cover of up to INR 50 Lacs.
    • Have a Credit Liability Cover of up to INR  5 Lacs.
    • Get 10 lacs as the overseas hospitalization cover.

    HDFC Diners Club Miles Credit Card

    You can have insurance coverage on this credit card and have free lounge visits at over 1000 airport lounges across the world.

    • Enjoy 4 Reward Points on the expenditure of every INR 150.
    • Have 6 Complimentary Access to the airport lounges worldwide at 1000+ airport lounges.
    • Get an Air accident cover worth INR 1 crore.
    • Get a Medical emergency insurance cover of up INR 25 lacs
    • Have a Travel insurance cover of INR 50000 for baggage delay or loss.
    • This card has a Credit liability cover of INR 9 lacs.

    Indigo HDFC Bank Credit Card – 6E Rewards

    This credit card gives you various privileges on booking Indigo Flights. On the other hand, you will get an Indigo Airline Ticket Voucher that will save some bucks on traveling.

    • Get a Free 6E Prime Voucher inclusive of a choice of seats, priority check-in, a free meal, and quick baggage claim.
    • Get a Base fare Ticket Voucher of Indigo Airlines worth INR 1500.
    • Enjoy 2.5% 6E Rewards on booking flights from Indigo’s official website, Application, or any other source of booking.
    • Enjoy 2% 6E Reward Points on entertainment, dining, and grocery spending
    • Earn 1% Rewards on every other expenditure.
    • Enjoy a Fuel Surcharge Waiver of 1% at all the petrol pumps
    • Enjoy up to 40% on Weekend Fine Dining.
    • Have a Discount of up to 30% at the chef specialty restaurants.
    • Enjoy up to 20% discount every day on premium dinings
    • Get up to 25% off at the restaurants with Buffet services.

    6E Rewards XL – Indigo HDFC Credit Card

    If you are fond of traveling then this credit card can be useful for you because you can enjoy great deals on flight tickets and enjoy complimentary access to the airport lounges.

    • Get 1 Complimentary 6E Prime Voucher as a welcome gift that includes Choice of Seats and Priority Check-in.
    • Enjoy 1 Complimentary Indigo Base Fare Ticket voucher of INR 3000 as the welcome gift.
    • Earn 5% 6E Rewards on booking the Indigo flight tickets from the official website, application, or any other sources.
    • If you spend on Entertainment, Dining, and Grocery then you can earn 3% 6E Rewards.
    • On spending on other categories, you can earn 2% 6E Rewards.
    • Get 8 Complimentary Access to the Airport Lounges in a year with a maximum of 2 per quarter.
    • Get up to 40% off on Weekend Fine Dining and 30% off at the chef specialty restaurants.
    • Enjoy up to 20% off every day on premium dinings and a discount of 25% at the restaurants having Buffet services.
    • Enjoy a discount on the fuel surcharge of 1% at all the refilling stations.

    InterMiles HDFC Bank Diners Club Credit Card

    • Get up to 25000 Bonus InterMiles on this credit card.
    • Earn 10000 InterMiles on spending INR 20000 within the first 30 days and 15000 InterMiles on spending INR 150000 and above within the first 90 days.
    • Get INR 2000 off Flight vouchers for the first year and INR 3000 Hotel Discount vouchers for the first year.
    • Enjoy 8 InterMiles per INR 150 on retail spending.
    • Get 16 InterMiles per 150 spent on every flight ticket booked on InterMiles official website.
    • Enjoy 16 InterMiles per INR 150 spent on every Hotel booked on InterMiles official website.
    • Get 10% off on Etihad Airways Business Class tickets booked on InterMiles official website.
    • Enjoy 5% off on Etihad Airways Economy Class tickets booked on InterMiles official website
    • Earn 2.5X bonus InterMiles for Etihad Airways tickets booked on InterMiles official website
    • Have unlimited Airport lounge access on this HDFC Credit Card.

    InterMiles HDFC Bank Signature Credit Card

    • Get 3,000 InterMiles on spending INR 6000 within the first 30 days and 5000 InterMiles on total retail spending of INR 90000 and above within the first 90 days.
    • Get 6 InterMiles per INR 150 on retail spending.
    • Enjoy 12 InterMiles per 150 spent on every flight ticket booked on InterMiles official website.
    • Earn 12 InterMiles per INR 150 spent on every Hotel booked on InterMiles official website.
    • Enjoy 10% off on Etihad Airways Business Class tickets booked on InterMiles official website.
    • Get 5% off on Etihad Airways Economy Class tickets booked on InterMiles official website
    • Enjoy 2.5X bonus InterMiles for Etihad Airways tickets booked on InterMiles official website.
    • Enjoy 16 Airport lounge access up to 4 per quarter on this credit card.

    InterMiles HDFC Bank Platinum Credit Card

    • Enjoy 1500 InterMiles on spending INR 3000 within the first 30 days and additional 1500 InterMiles on total retail spending of INR 50000 and above within the first 90 days.
    • Get 6 InterMiles per INR 150 on retail spending.
    • Get 8 InterMiles per 150 spent on every flight ticket booked on InterMiles official website.
    • Have 8 InterMiles per INR 150 spent on every Hotel booked on InterMiles official website.
    • Enjoy a discount of 5% on Etihad Airways Economy Class tickets booked on InterMiles official website.
    • Earn 2.5X bonus InterMiles for Etihad Airways tickets booked on InterMiles official website.
    • Enjoy 8 Airport lounge access up to 2 per quarter on this credit card.

    IndianOil HDFC Bank Credit Card

    If you are willing to save some money on fuel transactions then you can apply for this HDFC Bank Credit Card. You can explore the features of this card below.

    • Enjoy a discount of 5% of your fuel expenditure as the redeemable points on your credit card.
    • You can earn a maximum of 250 fuel points in the first 6 months
    • Then you can get a maximum of 150 fuel points after the first 6 months.
    • You will get a maximum of 100 fuel points per month on grocery and bill payments.
    • Enjoy 1 fuel point per INR 150 on other purchases
    • Waive off the fuel surcharge by 1% up to INR 250 and the minimum transaction amount must be INR 400.
    • You can redeem the fuel points as cashback and towards catalog products.
    • The value of 10 fuel points is equal to INR 9 that is easily redeemable.
    • Enjoy an interest-free period of 50 days counted from the date of purchase.
    • The fuel points will be valid for only 2 years from the date when it has been earned.

    HDFC Easy EMI Card

    Some individuals are unable to afford a particular commodity by making the full payment therefore they prefer EMI transactions. This credit card can be the best for such individuals.

    • Enjoy a Cashback of 5% on shopping from Flipkart, Amazon, Hotels, and Flight Bookings are done through Payzapp and Smartbuy having an EMI option.
    • Have a Cashback of 2.5% on Online Shopping having EMI transactions.
    • You will get a 1% cashback on offline transactions and recharging wallets.
    • Enjoy a Fuel Surcharge Waiver of 1%.
    • Enjoy Additional Offers for EasyEMI over 1000+ merchants.

    HDFC Bharat Credit Card

    The Bharat Credit Card gives you cashback on railway ticket bookings through the IRCTC app or website. You can explore the other offers of this card below:-

    • Enjoy a cashback of 5% on booking railway tickets via the website or App of IRCTC.
    • Earn 5% cashback on fuel spending
    • Enjoy an additional cashback of 5% on all EasyEMI, SmartBuy, and PayZapp transactions.
    • Get a 1% fuel surcharge waiver on vehicle refill at petrol pumps on a minimum transaction of INR 400
    • Get an interest-free credit period of up to 50 days.

    HDFC Diners Club Premium Credit Card

    You can have free access to the airport lounges through this card and earn thousands of reward points through it. Let’s explore other offers on this card as well.

    • Earn 2500 Reward Points as a welcome benefit on this credit card.
    • Get an Additional 2500 Reward Points at the time of renewal on this credit card.
    • Enjoy 4 Reward Points on the expenditure of every INR 150
    • Multiply your Reward Points 10 times on the International Transactions.
    • Get 6 Complimentary Visits to the Airport Lounge worldwide
    • Have an Air accident cover worth  INR 1 crore and a Medical emergency insurance cover of up INR 25 lacs.
    • Get a Travel insurance cover of INR 50000 for baggage delay or loss and a Credit liability cover of INR 9 lacs.

    HDFC Diners Club Rewardz Credit Card

    The name of the card simply states that it can help you to earn many reward points and you can redeem those points by buying the vouchers of the top brands.

    • Earn 1000 Reward Points as the welcome benefit on this credit card.
    • Enjoy a Renewal benefit of 1000 points at the time of renewal.
    • Earn 3 Reward Points per INR 150.
    • Get 10X Reward Points at the partnered brands with HDFC Bank
    • Have 24X7 Concierge Service while traveling
    • This HDFC Credit Card has the lowest foreign markup fees of 3%

    HDFC Doctor’s Regalia Credit Card

    • Get a Bonus of 10000 Reward Points on spending INR 5 lacs annually.
    • Enjoy an additional 5000 Reward Points on spending INR 8 lacs annually.
    • Enjoy 12 complimentary accesses per calendar year within India to the airport lounges.
    • Get a mark up of 2% on this Credit Card from the HDFC Bank.
    • There is an accidental air death cover worth INR 1 Crore available on this card.
    • You can have an emergency overseas hospitalization cover for up to INR 15 lacs
    • Get a credit Liability cover of up to INR 900000.

    HDFC Kisan Credit Card

    • Can borrow a maximum amount of upto INR 2.5 crores with the help of KCC.
    • Can be used for cultivation, purchasing fertilizers, pesticides as well as carrying out other farming activities.

    HDFC Credit Card Eligibility Criteria

    Both salaried and self-employed individuals are eligible to apply for the credit card. The table below clearly illustrates the age criteria.

    Employee StatusAgeIncome
    Salaried Employee21 years to 60 yearsDifferent for each type of card (As per bank's norm)
    Self Employed21 years to 65 years Different for each type of card (As per bank's norm)

    Documentation Required

    • You should have at least 1 passport size photograph.
    • Any of the address proofs such as Passport, Ration card, Electricity Bill, Aadhar card has to be submitted.
    • Applicant should possess PAN Card, Form 16 and Income Tax Returns Statement
    • Salary slips/certificate for the last 3 months or latest bank statement indicating the credit of salary for a minimum of 3 months

    HDFC Credit Card Limit

    The card limit would depend on a variety of factors such as your income and credit history. A greater income lends credence to a strong repayment capability, resulting in a higher limit offer. In addition, you must also have a strong credit history and a good credit score if you want more limit on HDFC credit cards. However, you should remember to utilize the credit limit in a responsive manner to stay away from the debt trap. Plan your purchases according to your income and your ability to pay dues on time.

    Get a Credit Card Against Fixed Deposit If You Don’t Have Credit History

    There would be a few HDFC cards that won’t requie any credit score, particularly those offered against fixed deposit. This can be an effective way to build your credit history. Even as FD-backed cards do not require credit score for approval, you must not take it for granted. It requires discipline as far as spends are concerned to prevent a payment delay or default.

    See whether the product you are purchasing with a card is your need or not. If not, you can do away with that to rein in the excess bill amount which otherwise could become a headache for you. While keeping a lid on unnecessary card spends is a must, there’s also a need to utilize the credit limit well to build your credit history, which would then impact your CIBIL score positively.

    In case you are offered a credit limit below your expectations, don’t worry as you can influence HDFC Bank to consider raising the limit by paying dues on time for a reasonably long period.

    How to Apply for HDFC Credit Card Online at Wishfin?

    You can apply for HDFC credit cards at Wishfin, an online platform that lets you compare different credit card offers and choose the one that fits your needs better. All you need to do is to mention a few personal and professional details. And, based on the same, different quotes can appear on the screen.

    It’s much easier to apply online rather than running around HDFC Bank branches to submit the application. You can apply sitting at home or office using the Internet connection of a mobile or desktop. So going online saves you hours that may get consumed visiting the bank branch and submitting the application to a designated officer.

    Apply for HDFC Credit Cards on WhatsApp

    You can even apply for HDFC Credit Cards via WhatsApp, an application that you normally use to chat with your friends. Applying via WhatsApp is possible at Wishfin.

    • Just click on ‘Apply with the Ease of WhatsApp Chat after clicking on  ‘Credit Card Offers’ beneath the ‘Credit Card’ tab
    • Enter your mobile number and click on ‘Continue with WhatsApp
    • Thereafter, you will receive a link, which you need to click on to get added to a group featuring Wishfin as the other member
    • Answer a few questions on personal and professional levels, as well as on the credit history
    • Submit your application
    • HDFC Bank will scrutinize the details before okaying the application

    Apply via Wishfin Chat

    • Click on Wishfin Chat button
    • Give your consent to explore credit cards by typing Yes below ‘Would you Like to Continue’
    • Chat out on personal info and job-related details
    • Apply for the card from the list shown to you on the chat

    How to Apply on HDFC Bank Website?

    • Visit the official website of HDFC Bank
    • Go to ‘Credit Cards’
    • Click on ‘Apply Now’ button
    • Enter your personal and income details
    • Submit the application
    • The executive will come to pick the necessary documents
    • The bank would verify the details properly before giving an approval to the application

    How to Apply at HDFC Bank Branch?

    You can also visit the nearest HDFC Bank branch to apply for a credit card. The steps for applying at branch are shown below.

    • Ask for the credit card application form
    • Tick against the name of HDFC credit card you wish to apply for
    • Enter the relevant personal and professional details
    • Paste photographs and affix signature at the prescribed space
    • Submit the form along with necessary documents to the concerned official

    Track Your HDFC Credit Card Application Status

    Knowing the exact status of card application is always a concern for individuals. But not anymore as Wishfin executives will tell you the status of your HDFC credit card application. A team of experts will be right behind your application to ensure you get the speedy approval from the lender.

    How to Check the Status at HDFC Bank’s Website?

    You can even check the status of your credit card application made at HDFC Bank. The steps to check the status is shown below.

    • Visit the credit card page of HDFC Bank
    • Go to ‘Track Your Credit Card’ section
    • Enter any of the Application Form No, Application Reference No, Date of Birth, and the mobile number
    • See the application status on the screen, which could be either approved, pending or rejected

    Call the HDFC Bank Branch or Customer Care Centre to Know the Status

    You can even contact the nearest HDFC Bank branch or its customer care centre to check the status. The officials would ask you to quote the application number, your name, mobile number, date of birth. The moment you do so, they will tell the exact status.

    If there are discrepancies leading to applications being put on hold or rejected, you can fix those and re-apply to get the nod of HDFC Bank.

    HDFC Credit Card Payment Online

    Has your HDFC credit card bill arrived? Want to know the payment modes? Come and avail any of the options like Internet Banking, cheque or even cash. But the cash mode of payment may come with a certain fee.

    Paying bills on time is an absolute necessity for cardholders, failing which late payment charges can be levied along with interest and taxes. Don’t you like to be free from these charges? You would, right? With online banking, paying dues has become easy. So, go digital to make your card payment in a seamless and timely manner. You can register your bill online and receive the intimation well before the due date, helping you keep the sufficient balance into the account to pay on time. The timely payment ensures a good repayment history and a high credit score.

    HDFC Credit Card Bill Desk Payment Mode

    You can pay the card dues even through bill desk. All you need there is to enter the credit card number twice at the prescribed space. Also, enter your e-mail ID, the amount you wish to pay and choose the bank where you want to pay from.  After all that, you need to click on ‘Pay’ button. The payment would thus get processed and a message will be sent to your mobile number stating a deduction of the bill amount from your bank account.

    Benefits of Online Payment of HDFC Credit Card Bills

    The online payment comes with the following advantages –

    • Helps maintain a timely and regular payment, resulting in a good credit score over time
    • Gets updated to the credit card account quickly
    • Fast payment

    HDFC Credit Card Customer Care Number

    Whatever the query or problem may be, feel free to talk to the customer care representatives on the 24X7 toll-free number 1800-425-4332. The representatives are ready to resolve any query be it on discounts, reward points, fees & charges, etc.

    Do Read Your HDFC Credit Card Statement Carefully

    You can also receive an e-mail statement of the credit card from the bank on a monthly, quarterly or yearly basis, based on the standing instruction set at the time of application, also visit the nearest branch and request for a statement, which will show a complete detail of the shopping made in a particular billing cycle. You can even log in to Internet Banking, if subscribed for, to check the statement, giving you a detail of the minimum due, total dues as well as reward points. Usually, the minimum due accounts for 5% of total dues.

    You can use reward points, which can be seen in the statement, to shop for gifts at select online and offline partners. You can check the list of partners on the website of HDFC Bank.

    FAQs

    1. Can I transfer my existing credit card balance to an HDFC credit card?

    Yes, it is possible to transfer your existing credit card balance to an HDFC credit card. After transferring your balance to HDFC credit card you can complete the payments with flexible EMI options.

    2. How to take a loan if I have an HDFC credit card?

    If you have a valid HDFC credit card, you can apply for 2 loans that are – an Insta Loan, which is offered within your credit card limit and a Jumbo Loan, which is available beyond your credit card limit.

    3. Can I pay my credit card bills through Net-Banking?

    Yes, you can pay your credit card bills online without paying an extra charge and also from other bank accounts apart from your HDFC bank account.

    4. How many HDFC credit cards can you own at a single time?

    Most of the banks including HDFC bank do not issue two credit cards to a single person. However, if you have an exceptionally good credit score then the bank might consider your credit card request and issue you two credit cards.

    5. What is the process to increase your credit card limit at HDFC?

    You can submit a request to increase your credit card limit along with a signed letter and your income proofs. You would also need to attach a self-attested copy of your recent salary slip, if you are a salaried employee.

    6. What documents are required to apply for an HDFC credit card online?

    To apply an HDFC credit card online you will need the following documents:
    – ID Proof
    – Address Proof
    – PAN Card

    7. What is the Smart EMI Scheme?

    The Smart EMI scheme enables the customer to easily convert their credit card purchases into monthly installments with flexible tenures and attractive rate of interest.

    8. How can I track the status of my credit card application after applying?

    To check your application status, head over to the HDFC web portal and enter your application reference number along with your mobile number and date of birth.

    9. How to get HDFC credit card statements online?

    You can only access your credit card statements for a period of up to six months. To view your credit card statements online you can use the credit card net banking feature.

    10. Is there a minimum salary requirement to apply for an HDFC credit card?

    In order to apply for a HDFC bank credit card you need to have a minimum of INR 12,000 per month salary, in case of a salaried applicant and a minimum of INR 2 Lac. per annum if you are a self-employed applicant along with a good CIBIL score.

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