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

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    Professional Details

    Personal Details

    Types of HDFC Credit Cards 2019

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

    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

    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, Adhar 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/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.

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

    There would be a few HDFC cards won’t requiring 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 credit 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 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 –

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

    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.

    HDFC Credit Card Limited Period Offers 2019

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

    Rewards & Cashback Offers on the Purchase of Mobile Phone & Accessories

    Earn 2,500 reward points on purchasing mobiles and appliances worth ₹25,000 and above

    Make the most of the cashback offers while purchasing mobile phones and appliances at select retail outlets.

    Cashback on Mobile Phones

    • Enjoy up to 10% cashback on buying iPhone XR and other models. No cost EMI is available on select tenures
    • Earn cashback of up to ₹6,000 on Samsung Galaxy S10/S10+ and several other Samsung phones
    • Get 5% cashback on F11 Pro Avenger Series

    Cashback on Appliances

    • Up to 15% cashback available on the purchase of select Samsung televisions and air conditioners
    • Earn cashback up to 12.50% on buying select LG appliances in LG exclusive brand stores. Purchases LG appliances at other stores to earn you up to 10% cashback
    • Get 5% cashback on all the products of Bluestar
    • 5% cashback on buying Whirlpool appliances
    • Buying Voltas products to provide 5% cashback and no cost EMI for period up to 12 months
    • Enjoy 10% cashback on all Panasonic products. The cashback is, however, capped to ₹3,000. It is applicable for a minimum transaction worth ₹15,000

    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

    Enjoy Up to 10% Discount on Online Shopping at Myntra (Offer Valid Till July 31, 2019)

    • Enjoy up to 10% discount on online shopping at Myntra on a minimum spend of ₹2,100. The maximum discount is capped to ₹500.
    • The offer expires till July 31, 2019.

    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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