HDFC Credit Card

Highlights

  • 10,000 Bonus Reward Points await you at the time of joining & renewal

  • Baggage Allowance and Lounge Access to make your travel more comfortable with HDFC Credit Card

Why Choose HDFC Credit Cards?

With up to 10,000 bonus JPMiles and 10,000 bonus reward points both at the time of joining and renewal, discount vouchers, reward points on retail spends and travel benefits such as baggage allowance, lounge access, HDFC Credit Cards steal the show. What also adds to the glitter is Taj Epicture Plus Membership and emergency hospitalization cover, etc. In brief, HDFC Bank Credit Cards come with the following benefits.

  • Bonus Miles and Reward Points
  • Miles earning on travel spends
  • Rewards redeemable across airlines such as Jet Airways, Air India, Singapore Airlines
  • Complimentary Flight Tickets
  • Lounge Access
  • Discounts on Movie Tickets

Basically, this Mumbai-headquartered private lender offers various types of credit cards, namely super-premium credit cards, co-branded cards, professional credit cards, premium travel credit cards, premium women credit cards, regular credit card, cashback credit cards and commercial credit cards.

Credit Card

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    Professional Details

    Personal Details

    List of Best HDFC Credit Cards in India 2020

    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
    Jet Privilege HDFC Bank World Credit Card25002500
    HDFC Platinum Times CardCard10001000
    HDFC Titanium Times Card500500
    Jet Privilege HDFC Bank Platinum Credit Card10001000
    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 Infinia Credit Card

    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

    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

    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

    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

    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

    Jet Privilege HDFC Bank Platinum Credit Card

    Get 3,000 Bonus InterMiles as a welcome gift

    Earn first 1,500 InterMiles on first swipe 

    And 1,500 InterMiles on spend of ₹50,000 and above within 90 days of issuance

    Earn 4 InterMiles point on every ₹150 retail spends

    Each flight booking via InterMiles ’portal will fetch you 8 InterMiles

    Avail a discount of 5% on  Etihad Airways Economy tickets using InterMiles website

    2 complimentary lounge access per quarter available at Indian airports

    Enjoy a saving of upto ₹5,000 on fuel transactions and air tickets

    HDFC Teacher’s Platinum Credit Card

    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

    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

    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

    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

    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

    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

    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

    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

    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

    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

    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

    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

    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

    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 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. You can 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.

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