HDFC Credit Card
HDFC Bank Credit Card Online
| Best HDFC Cards | Interest Rate | Annual Fee |
|---|---|---|
| Platinum Times Card | 3.40% | 1,000 |
| Titanium Times Card | 3.40% | 500 |
| Jet Privilege HDFC Bank World Card | 1.99% | 2,500 |
| Regalia Card | 3.49% | NIL |
| Freedom Card | 3.40% | 500 |
HDFC credit card apply online
| HDFC Bank Credit Cards | Category | Joining Fee | Monthly Interest Charge |
|---|---|---|---|
| Allmiles Card | Premium, Rewards, Travel and Airline | NIL | 3.40% |
| Corporate Platinum Card | Low Fee | NIL | 3.50% |
| Diners Club Black Card | Lifestyle, Premium | NIL | 1.99% |
| Diners Club Premium Card | Premium | NIL | 3.25% |
| Doctors Superia Card | Premium | NIL | 2.95% |
| Freedom Card | Cashback, Rewards | NIL | 3.40% |
| Infinia Card | Lifestyle, Premium, Rewards, Travel and Airline | Rs. 10,000 | 1.99% |
| Jet Privilege Diners Card | Lifestyle, Travel and Airline | NIL | 1.99% |
| Jet Privilege HDFC Bank World Card | Rewards, Travel and Airline | NIL | 1.99% |
| Jet Privilege Platinum Card | Rewards, Travel and Airline | NIL | 3.40% |
| Moneyback Card | Cashback, Rewards | NIL | 3.40% |
| Platinum Edge Card | Cashback, Shopping | NIL | 3.40% |
| Platinum Times Card | Lifestyle, Rewards, Travel and Airline | NIL | 3.40% |
| Regalia Card | Premium, Rewards, Travel and Airline | Rs. 1,000 | 3.49% |
| Solitare Card | Premium | NIL | 3.40% |
| Superia Card | Premium, Rewards, Travel and Airline | NIL | 3.40% |
| Teachers Platinum Card | Rewards, Shopping | NIL | 3.40% |
| Titanium Times Card | Lifestyle, Rewards, Shopping | NIL | 3.40% |
Why choose HDFC Bank Credit Cards?
HDFC is at the top of the credit market, with over 20 types of different cards that serve all shopping, travelling and lifestyle needs. HDFC credit cards are loaded with the greatest features, jaw-dropping discounts and reward benefits. These cards are well suited for all categories of shoppers, whatever be their lifestyle and spending habits.
HDFC Bank Credit Card Eligibility
In order to apply for HDFC Credit card offers one needs to meet the following eligibility criterias, as listed below:
Income: The minimum income of the applicant should be ₹ 12,000 for salaried employees and annual income after tax deduction should be ₹ 2.50 Lakh for self employed. Usually, HDFC Bank gives a credit limit of 2 to 3 times of the monthly income you earn. For salaried individuals, it is based on the net monthly salary and in case of self-employed individuals, it is based on the income declared in IT return filed for the last financial year. In case you have an existing credit card from HDFC Bank or from any other bank, then HDFC Bank will not check your income and your credit card eligibility will be checked based on existing credit card's transaction history.
CIBIL Score: Most banks, including HDFC Bank prefer a credit score of 700 and above before sanctioning a credit card for you. A lower score reduces your chance of getting credit card approval. A high credit score would allow you to get an easy approval on credit card. If you already have a credit card then HDFC Bank checks your existing credit card's transaction and payment history to ensure that you are capable to make repayments on time.
Existing Relationship with HDFC Bank: If you already have an account with HDFC Bank, you have a higher chance of getting a credit card and you can easily opt to apply for HDFC Bank credit card. The bank comes with special credit card offers for its existing bank holders which would mean higher credit limit, waiver or discount on joining fees and annual fees and special promotional offers as a joining pack. In addition, if you have been maintaining a good balance in your account consistently over the , past few years, you are more likely to secure a higher credit limit on your card.
Age: Bank has different credit cards targeted at different age groups and income groups of borrowers. You can apply for a HDFC credit card online or from any HDFC Bank branch if you are at least 21 years old upto maximum age group of 60 years. However, the minimum age to get a HDFC Bank credit card online or from the bank varies by various schemes depending on the card you choose to apply for.
Top HDFC Bank Credit Cards
Platinum Times Card: Unlock a host of privileges with the Platinum Times Card. This HDFC credit card offers various benefits at shopping, apparel, dining and up to 25% off on movies. The card also offers amazing around-the-year discount offers at participating movie and dining outlets in your city. Attractive Reward Programme such as Weekday Dining Bonanza, helps you earn extra points.
Titanium Times Card: Titanium Times is a great entertainment card which offers flat 25% off on movie tickets and up to 15% off on dining, throughtout the year. The card also comes with a bouquet of discount vouchers as welcome gift, Weekday Dining Reward Bonanza, and fuel surcharge waiver.
Jet Privilege HDFC Bank World Card: The JetPrivilege Card is one of the best lifestyle and travel cards which offers various milestone benefits such as Priority Pass membership and lounge access. The card helps you save in the form of JPMiles Accrual Programme that offers up to 7,500 Bonus JPMiles.
Regalia Card: Regalia is primarily a travel benefits card that is also high on Reward Points. Complimentary Airport Lounge Access through Priority Pass Membership, complimentary Club Vistara Silver membership, best-in-class rewards programme are some of its greatest selling points.
Freedom Card: The Freedom card offers unlimited benefits in the form of Reward Points. The card offers 5x Reward Points on dining, movies, railways and grocery spends, with fuel surcharge waiver.
Documents required for HDFC Bank credit card
The type of credit card documents required differ for new and existing card holders to apply for HDFC credit card. Existing credit card holders are those who already own a credit card either from HDFC Bank or from any other bank. In this case, income documents are not required.
| Document Type | For New Card Holders | For Existing Card Holders |
|---|---|---|
| Identity Proof | PAN card, Driving License, Voter ID card, Passport | PAN card, Driving License, Voter ID card, Passport |
| Address Proof | Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number | Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number |
| Income Proof |
|
Not Required |
| Existing Card Proof | Not Required | Front copy of card, 1 latest statement within 15 days |
Frequently Asked Questions
You can check your statements for HDFC Credit Card online by following these steps:
Step 1: Click the NetBanking button on the HDFC Bank home page and click on LOGIN
Step 2: Click on 'Continue'
Step 3: Enter your Customer ID and password and click continue
Step 4: Click on the 'Register New Card' link
Step 5: Enter your Credit Card number, expiry date and ATM PIN and click on 'Submit' to generate the credit card statement on your mail id
What is the interest rate for HDFC credit card?The Interest rate on HDFC Credit Card varies from card to card. The rate on the HDFC Bank credit card ranges from 3.40% to 3.49%. Pay your HDFC credit card bill before the due date to avoid interest charges.
How can I download HDFC credit card statement?HDFC credit card holders can download HDFC credit card statement, using the following simple steps:
Step 1:Log on to HDFC Netbanking
Step 2:Click on the 'Statement on E-mail' link
Step 3: Select between 'Office' or 'Residence'
Step 4: Next, based on the option selected, the inserted email ID will be displayed
Step 5: Click on 'Continue' and then press 'Confirm'
How can I redeem my HDFC credit card reward points?One can easily redeem HDFC credit card reward points by following these simple steps:
Step 1:Login to HDFC Bank NetBanking and click on 'Credit Cards' tab on top
Step 2:Register your Credit card (one-time activity)
Step 3:Post registration, click on 'Redeem Reward Points' link on the left-hand side navigation bar
How can I check my HDFC credit card balance by SMS?If the credit card holder wants to know about the available credit card balance send an SMS in the below-provided format from your registered mobile number.
Step 1:To check credit card balance - SMS CCBAL to 5676712
Step 2:To check available credit limit – SMS CCACL Last four digits of credit card number to 5676712
Which credit card is best in HDFC?Some of the best credit cards from HDFC are; Diners Club Black Card, Jet Privilege Diners Card, Jet Privilege HDFC Bank World Card.
What is the minimum salary for HDFC credit card?The minimum salary required is Rs. 20,000 per month.Thus, individuals with the eligible salary can go for HDFC credit card apply.
Which HDFC credit card has no annual fee?Some of the credit cards from HDFC with no annual fee are; Regalia Card, and Corporate Platinum Card.
What is HDFC credit card charges?Some of the important HDFC credit card charges that you should know are;
- Foreign Transaction Fee - 2 - 3.5%
- Railway Ticket purchase fee - 1% of transaction amount+GST.
- Payment return Charges - 2% of payment amount or minimum of Rs. 450
- Late payment charges - Rs. 100 to 950
- Cash advance fee - 2.5% of transaction (minimum Rs. 500)
- Over limit fee - 2.5% of over limit amount (minimum Rs. 500).
