HDFC Credit Card

Highlights

  • 10,000 bonus reward points await you at joining & renewal
  • Baggage allowance, lounge access to make you travel more with HDFC Credit Card

Table of Contents

Why Choose HDFC Credit Cards?

With up to 10,000 bonus JPMiles, 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
  • And much more

Basically, the 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

Quotes from 11 banks | Best Offers and Rewards

    Professional Details

    Personal Details

    Types of HDFC Credit Cards 2018

    Credit CardsBonus & RewardsJoining Fee (In ₹)Annual Fee (In ₹)
    HDFC Infinia Credit CardEarn 10 reward points on every ₹150 spent on dining, air tickets at Vistara’s online portal and bookings on infinia1000010000
    HDFC Regalia CardGet welcome & renewal benefit of 2500 reward points each on the realization of annual fee25002500
    HDFC Diners Club Black CardGet welcome benefit of 10,000 reward points and renewal benefit of 5,000 reward points100005000
    Jet Privilege HDFC Bank World Credit CardEarn 5,000 bonus JPMiles on the total retail spends of ₹75,000 and above, within 90 days of the card setup25002500
    HDFC Platinum Times CardCardEarn 10 reward points on every ₹150 spent on dining spends on weekdays i.e. Monday to Friday10001000
    HDFC Titanium Times CardEnjoy 25% discount on movies and 15% on dining at select outlets.500500
    Jet Privilege HDFC Bank Platinum Credit CardGet 4,000 bonus JP Miles as a welcome gift10001000
    HDFC Teacher's Platinum Credit CardGet 500 bonus reward points on Teacher’s Day i.e. 5th September each year500500
    HDFC Doctor's Superia Credit CardWelcome gift of 1,000 reward points10001000
    HDFC Superia Credit CardGet a welcome gift of 1,000 reward pointsAs ApplicableAs Applicable
    HDFC Solitaire Credit CardGrab shopping vouchers worth ₹1,000 on a spend of ₹75,000 every 6 months10001000
    HDFC World MasterCardSpend ₹15,000 within the first 90 days of the card setup date and get annual fee for the first year reversed.As ApplicableAs Applicable
    HDFC Visa Signature Card1st year fee reversed if amount of ₹15,000 is spent within 90 days of the card setup dateAs ApplicableAs Applicable
    HDFC Platinum Plus Card50% additional reward points on incremental spends of more than ₹50,000 in a statement cycleAs ApplicableAs Applicable
    HDFC Platinum Edge CardEarn 50% additional reward points on dining spendsAs ApplicableAs Applicable
    HDFC Titanium Edge Credit CardGet 50% more reward points on dining spendsAs ApplicableAs Applicable
    HDFC Money Back Credit Card2X reward points on online spends500500
    HDFC Corporate Platinum CardEarn 2 reward points on a spend of every ₹150As ApplicableAs Applicable
    HDFC Corporate World MasterCardEarn 2 reward points on a spend of every ₹150As ApplicableAs Applicable
    HDFC Corporate CardGet 2 reward points on a spend of every ₹150As ApplicableAs Applicable
    HDFC Corporate Visa Signature CardGet 2 reward points on a spend of every ₹150As ApplicableAs Applicable

    HDFC Infinia Credit Card

    • Get 5 reward points on a spend of every ₹150
    • Earn 10 reward points on every ₹150 spent on dining, air tickets at Vistara’s online portal and bookings on infinia
    • The accumulated reward points can be redeemed with 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 select airports across the globe
    • On a spend of every ₹100 on Vistara flights, 10 Club Vistara Points can be earned
    • Guaranteed Economy Class Reservation
    • Priority check-in, boarding, baggage handling and waitlist clearance at airports
    • Additional 10kg baggage allowance
    • Complimentary golf sessions
    • A minimum 15% discount while dining at more than 3,000 restaurants

    HDFC Regalia Card

    • Welcome & renewal benefit of 2500 reward points each on the realization of annual fee
    • Earn 4 reward points on a spend of every ₹150
    • Earn 8 reward points on a spend of every ₹150 while booking Vistara flights, dining at restaurants and spending on hdfcregalia
    • Reward points redeemable on bookings for travel and entertainment
    • Reward points convertible into AirMiles of major domestic and international airports
    • 1% fuel surcharge waiver on a minimum transaction of ₹400, with a maximum cashback being ₹500 per statement cycle
    • 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 of air accident

    HDFC Diners Club Black Card

    • Welcome benefit of 10,000 reward points and renewal benefit of 5,000 reward points
    • Reward points can be converted into AirMiles to be used across Jet Airways, Singapore Airlines or Air India
    • Access to more than 700 lounges all over the world including 25 plus in India
    • Jet Privilege HDFC Bank World Credit Card
    • 5,000 Bonus JPMiles on the total retail spends of ₹75,000 and above, within 90 days of the card setup
    • A complimentary Jet Airways ticket for travel within India.
    • Earn upto 10,000 bonus JPMiles
    • ₹750 discount voucher available on booking a return ticket for travelling via Jet Airways within India
    • Get 6 JMiles on a spend of every ₹150
    • 18 JPMiles on every ₹150 spent on booking tickets on Jet Airways portal.
    • Enter promo code JTHDFC and get a discount of 5% on all the domestic air tickets booked at Jet Airways’ portal
    • Additional 10 KG and 5 KG baggage allowance in premiere and economy class on Jet Airways bookings for travel within India
    • Select lounge access in India

    HDFC Platinum Times Card

    • 3 reward points on a spend of every ₹150
    • Avail 10 reward points on every ₹150 spent on dining spends on weekdays i.e. Monday to Friday
    • 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 spends made during Monday to Friday

    Jet Privilege HDFC Bank Platinum Credit Card

    • Earn 4,000 Bonus JPMiles as a welcome gift
    • Spend ₹150 and earn 5 JPMiles
    • Each flight booking at Jet Airways ’portal will fetch you 15 JPMiles
    • Avail a discount of 5% on the base fare of the tickets booked on Jet Airways
    • Lounge access 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

    HDFC Doctor’s Superia Credit Card

    • Get 1,000 reward points as a welcome gift
    • 3 reward points on a spend of every ₹150
    • Air voucher worth ₹8,000 on your way with a spend of more than ₹5 lakhs
    • 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
    • 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 spends to let you earn 50% more reward points
    • Reward points redeemable as cashback against outstanding amount on credit card

    World Master Credit Card

    • 2 reward points on a spend of ₹150
    • 50% extra reward points for incremental spends of more than than ₹75,000 in a statement cycle
    • Enjoy complimentary Priority Pass Membership
    • 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

    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
    • 50% additional reward points on dining spends
    • Redeem reward points as cashback against outstanding amount on credit card. 100 rewards equal to ₹10

    Titanium Edge Card

    • 2 reward points on a spend of ₹150
    • 50% additional reward points on dining spends
    • Redeem reward points as cashback against outstanding amount on credit card. 100 rewards equal to ₹10

    HDFC MoneyBack Card

    • 2 reward points on a spend of ₹150
    • 2X reward points on online spends
    • Redeem reward points as cashback against outstanding amount on credit card. 100 reward points equal to ₹20

    Corporate Platinum Card

    • Earn 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

    Corporate World MasterCard

    • Earn 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

    Corporate 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 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

    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 sized photograph.
    • Address proof like Passport, Ration card, Electricity bill, Adhar card has to be submitted
    • Applicant should possess PAN Card, Form 16 and Income Tax Returns Statement.
    • Salary slips/certificate for last 3 months/latest bank statement indicating salary credited for minimum 3 months

    HDFC Credit Card Credit 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, there would be a few HDFC cards won’t requiring any credit score, particularly those offered against fixed deposit opened at HDFC Bank. Equally important is to utilize the limit eloquently to ensure there’s no default like situation for you to face.

    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 needs to be ensured, there’s also a need to utilize the credit limit well to build your credit history, which would then impact your credit score positively.

    Which is The Best Credit Card in HDFC?

    The answer for the same can differ from individual to individual. You can thus take a close look at the above table to find out the card that can solve your needs in the best manner possible. It’s advisable to choose a card with maximum cashback and discounts to save on your purchase.

    You can even make most of the exciting travel offers by choosing from a curated list of  top HDFC travel credit cards

    HDFC Credit CardsReward Points & Other Benefits
    HDFC Infinia Card
    • Get 5 reward points on every ₹150 spent

    • Earn 10 reward points on every ₹150 spent on dining, air tickets at Vistara’s online portal and bookings on infinia

    • 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 select airports across the globe

    • On a spend of every ₹100 on Vistara flights, 10 Club Vistara Points can be credited to the account

    • Guaranteed Economy Class Reservation

    • Priority check-in, boarding, baggage handling and waitlist clearance at airports

    • Additional 10kg baggage allowance

    • Complimentary golf sessions

    • A minimum 15% discount on dining at more than 3,000 restaurants
    Jet Privilege HDFC Bank World
    • Get 5,000 Bonus JPMiles on a total retail spend of ₹75,000 and above, within 90 days of the card setup

    • A complimentary Jet Airways ticket for travel within India.

    • Earn upto 10,000 bonus JPMiles

    • ₹750 discount voucher available on booking a return ticket for travelling via Jet Airways within India

    • Get 6 JPMiles on a spend of every ₹150

    • Earn 18 JPMiles on every ₹150 spent on booking tickets on Jet Airways portal.

    • Enter promo code JTHDFC and get a discount of 5% on all the domestic air tickets booked at Jet Airways’ portal

    • Additional 10 KG and 5 KG baggage allowance in premiere and economy class on Jet Airways bookings for travel within India

    • Select lounge access in India
    Jet Privilege Platinum
    • About 4,000 Bonus JPMiles as a welcome gift

    • Spend ₹150 and earn 5 JPMiles

    • Each flight booking at Jet Airways ’portal will fetch you 15 JPMiles

    • Avail a discount of 5% on the base fare of the tickets booked on Jet Airways

    • Lounge access available at Indian airports

    • Enjoy a saving of upto ₹5,000 on fuel transactions and air tickets
    HDFC Regalia Card
    • Welcome & renewal benefit of 2500 reward points each on the realization of annual fee

    • Earn 4 reward points on a spend of every ₹150

    • Earn 8 reward points on a spend of every ₹150 while booking Vistara flights, dining at restaurants and spending on hdfcregalia

    • Reward points redeemable on bookings for travel and entertainment

    • Reward points convertible into AirMiles of major domestic and international airports

    • 1% fuel surcharge waiver on a minimum transaction of ₹400, with a maximum cashback being ₹500 per statement cycle

    • 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 of air accident

    How to Apply for HDFC Credit Card Online at Wishfin?

    You can apply for HDFC credit cards at Wishfin, an online platform that enables effective comparison of the card offers. All you need to do is to mention a few personal and professional details. And based on the same, different quotes can appear on your screen. It’s much easier to apply online rather than running around HDFC Bank branches to submit an application. You can do the same sitting at home or office by using the Internet connection of a mobile or desktop. So going online saves you the hours that may get consumed visiting the bank branch and submitting the application to a designated authority.

    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 pals. Applying via WhatsApp is possible at Wishfin. Just click on ‘Apply with the Ease of WhatsApp Chat after clicking on ‘Best 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. You need to answer a few questions on personal and professional levels, as well as on credit history before submitting your application. HDFC Bank will scrutinize the details before okaying the application.

    Track Your HDFC Credit Card Application Status

    Knowing the exact status of card application is always a concern for individuals post the application. 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 Status at HDFC Bank’s Website?

    You can even check the status of your credit card application made at HDFC Bank. Visit the credit card page of HDFC Bank and then navigate to ‘Track Your Credit Card’ section. Here, you would need to enter any of the Application Form No, Application Reference No, Date of Birth, and the mobile number. As soon as you enter these details, your application status will be shown on the screen. The status can be either approved, pending or rejected due to certain discrepancies. If there are discrepancies, you can fix those and re-apply to gain the nod of HDFC Bank.

    HDFC Credit Card Payment Online

    Has your HDFC credit card bill arrived? Wanting 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 the cardholders. On failing to do the same, late payment charges can be levied, which could lead to interest as well as applicable taxes on your due amount.

    So, don’t you like to be away from these charges? You would like to, won’t you? With online banking, paying the 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 arrange the money needed to pay on time. The timely payment ensures the repayment history and credit score remaining in a good shape.

    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 will thus get processed and a message will be sent to your mobile number stating a deduction of the bill amount from your bank account.

    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 by the bank on a monthly, quarterly or yearly basis, based on the standing instruction set at the time of application. Also, you can visit the nearest branch and request for the issuance of the statement, which will show a complete detail of the shopping in a particular billing cycle. You can even login to Internet Banking, if subscribed for, to check the statement, giving you a detail of minimum due, total dues as well as reward points. Usually, the minimum due accounts for 5% of the total dues. You can use the 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.

    HDFC Credit Card Limited Period Offers October 2018

    Below is a list of offers that are running on HDFC credit cards. Take a look.

    The Big Billion Days Shopping Extravaganza at Flipkart (Offer Valid from 10-14 October, 2018)

    • Get instant 10% discount on HDFC Credit Card
    • The discount is available on EMI transactions on credit card as well

    5X Reward Point Offers on MakeMyTrip Spends (Offer Valid Till September 30, 2018)

    • Accumulate 5X reward points on every flight and hotel booking on MakeMyTrip’s website and app using Promocode HDFC5X
    • 5X reward points are equivalent to 15% of the spend value
    • Maximum of 5,000 reward points per transaction is permitted
    • There’s no minimum spend criteria
    • Bonus reward points to be credited within 60-90 days from the last day of the money in which the transaction has taken place
    • Reward points would be accrued only on retail credit cards and are not applicable to corporate commercial and jet cards of any variant

    Additional 10% Discount on Booking Hotel Rooms at Expedia

    To get the additional 10% discount, you need to follow the steps shown below.

    • Log on www.expedia.co.in/hdfc to choose the package
    • Choose from the list of hotels shown in the list
    • The discount would be seen against the room rates
    • Choose your preferred room type and click on ‘Book’
    • A new page will open asking you to enter contact and payment related information
    • Click on ”Enter a voucher code under the section ”How would you like to pay?”
    • Enter code – EXPHDFC17 during check out to get 10% additional discount on preferred bookings
    • The voucher isn’t redeemable against the hotels shown on the page

    Get ₹1,000 Off on Flight Booking at SpiceJet (Offer Valid from January 11-September 30, 2018)

    • Get a discount of up to ₹1,000 on booking flights at SpiceJet using HDFC Credit Cards
    • One-way flight booking to offer you a discount of ₹500
    • ₹1,000 discount is applicable on round trip flight booking
    • Type Promo Code HDFC1000 to get discounts
    • Minimum base fare per flight needed to qualify for the offer equals to ₹2,000

    5X Reward Points on Big Basket Spends (Offer Valid Till September 30, 2018)

    • 5X rewards to be credited on all your spends made on Big Basket, a leader in online supermarket
    • The reward points are capped to ₹5,000 per month during the offer period
    • No code needed to avail reward points
    • Get an instant discount of ₹200 on spending a minimum of ₹1,000. You just need to Type BBHDFC200. This offer is purely for those spending on Big Basket for the first time

    5% Cashback on Travel Bookings at Thomas Cook (Offer Valid Till November 30, 2018)

    • Earn 5% cashback up to ₹6,000 on booking travel on Thomas Cook portal
    • The cashback will be applicable to credit card purchases on EMI and without EMI
    • The minimum booking amount required to avail cashback amounts to ₹30,000

    22% off & 50% eCash in MedLife Account (Offer Valid till September 30, 2018)

    • Get a flat 22% discount and 50% eCash on ordering medicines from MedLife, an online pharmacy portal
    • Offer valid for prescribed medicines only and is available across more than 800 cities till September 30, 2018
    • Upload the prescription on MedLife website
    • Add the medicines at the checkout page of the merchant
    • Enter the coupon code
    • Discount would be applied to the cart

    ₹10,000 Instant Cashback on Booking Flights & Hotels on Cleartrip (Offer Valid Till September 30, 2018)

    • Get a cashback of up to ₹10,000 on booking domestic or international flights and hotels at Cleartrip using the card
    • Select from more than 500 airlines and 3 lakh hotels globally for booking
    • Booking can be made either on the website or mobile App of Cleartrip
    • Enter coupon code CTWKNHDFC before making the payment with the card
    • Offer valid for transactions made on Saturday or Sunday

    Up to ₹1,500 Instant Discount on Booking at Goibibo (Offer Valid Till September 30, 2018)

    • Instant discount of up to ₹1,500 on booking domestic flights and hotels every Wednesday
    • Discount of ₹1,000 is applicable on a minimum booking amount of ₹6,000
    • ₹1,200 discount to be given on booking with a minimum of ₹8,001
    • ₹1,500 discount applicable on a minimum booking amount of more than ₹10,000
    • Type Promo Code GOHDFC while booking through mobile app or mobile website to avail the offer

    20% Off on Car Booking at MYLES (Offer Valid Till September 30, 2018)

    • Enjoy 20% off on booking cars at MYLES till September 30, 2018
    • The offer is valid across the cities
    • The offer is applicable on booking made on MYLES website or mobile app
    • Type code HDFC 20 to get discount

    Note – Reward point offers are valid for retail credit cardholders only. Corporate, commercial credit cardholders are not eligible for the offer.

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