HDFC Credit Card

Last Updated 15th Aug 2018

HDFC Bank Card Online

Polpular HDFC Cards Interest Rate Annual Fee
Platinum Times Card 3.40% Rs. 1,000
Titanium Times Card 3.40% Rs. 500
Jet Privilege HDFC Bank World Card 1.99% Rs. 2,500
Regalia Card 3.49% NIL
Freedom Card 3.40% Rs. 500
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Compare HDFC Bank Credit Cards Online, Best HDFC Credit Cards

HDFC Bank Credit Cards Category Joining Fee Monthly Interest Charge
Allmiles Card Travel and Airline, Premium, Rewards 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 Rewards, Cashback NIL 3.40%
Infinia Card Lifestyle, Travel and Airline, Premium, Rewards Rs. 10,000 1.99%
Jet Privilege Diners Card Lifestyle, Travel and Airline NIL 1.99%
Jet Privilege HDFC Bank World Card Travel and Airline, Rewards NIL 1.99%
Jet Privilege Platinum Card Travel and Airline, Rewards NIL 3.40%
Moneyback Card Rewards, Cashback NIL 3.40%
Platinum Edge Card Shopping, Cashback NIL 3.40%
Platinum Times Card Lifestyle, Travel and Airline, Rewards NIL 3.40%
Regalia Card Travel and Airline, Premium, Rewards Rs. 1,000 3.49%
Solitare Card Premium NIL 3.40%
Superia Card Travel and Airline, Premium, Rewards NIL 3.40%
Teachers Platinum Card Shopping, Rewards NIL 3.40%
Titanium Times Card Lifestyle, Shopping, Rewards 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.

Top HDFC Bank Credit Cards

Platinum Times Card: Unlock a host of privileges with the Platinum Times Card. The 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.

HDFC Bank Credit Card Eligibility

Income: The minimum income of the applicant should be Rs. 12,000 for salaried employees and annual income after tax deduction should be Rs. 250,000 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. HDFC Bank comes with special credit card schemes 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 credit card from HDFC Bank if you are at least 21 years old upto maximum age group of 60 years. However, the minimum age to get a credit card from HDFC Bank varies by various schemes depending on the card your choose to apply for.

Documents required for HDFC Bank credit card

The type of documents required differ for new and existing card holders. 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
  • In case of salaried Individual- Last 3 months salary slips, 6 months bank statement for salary account
  • In case of self-employed- Latest IT returns with computation of income or certified financial documents, Proof of business continuity
Not Required
Existing Card Proof Not Required Front copy of card, 1 latest statement within 15 days

Frequently Asked Questions

Which HDFC Bank credit cards are best for people who frequently travel abroad?

HDFC Bank offers many travel cards which are attractive from the point of foreign exchange services, airport lounge services and booking tickets. These are Platinum Times Card, Jet Privilege HDFC Bank World Card, Jet Privilege Diners Card, Jet Privilege Platinum Card, Infinia Card, Superia Card, Regalia Card, Allmiles Card.

Which HDFC Bank credit cards are best for shopping?

HDFC Bank’s shopping cards are Titanium Times Card, Teachers Platinum Card, Platinum Edge Card which are best for customers who are frequent shoppers as they offer a host of attractive cashbacks and rewards.

Which credit cards of HDFC Bank offer the most rewards and cashbacks?

Platinum Edge Card, Freedom Card, Moneyback Card, Freedom Card, Platinum Times Card, Titanium Times Card, Jet Privilege HDFC Bank World Card, Moneyback Card, Jet Privilege Platinum Card, Teachers Platinum Card, Infinia Card, Superia Card, Regalia Card, Allmiles Card are the popular cashback and reward cards. These cards also offer fuel surcharge waivers

What are lifestyle cards? Which are HDFC Bank’s lifestyle cards?

Lifestyle card offers host of upgrades, services and benefits for those who frequently prefer to go on holidays with family/friends and enjoy a luxurious and personalized travel and stay experience. HDFC Bank offers Platinum Times Card, Titanium Times Card, Jet Privilege Diners Card, Infinia Card, Diners Club Black Card as premium lifestyle cards with features exclusive airport lounge access, discounts, frequent flyer benefits and many other lifestyle related rewards.

What happens if I do not make my HDFC Bank credit card payment on time?

If you do not make your HDFC Bank credit card payment on or before due date, then HDFC Bank levies an interest charge of 1.99% to 3.50% on your credit card which has to be paid by you along with the due amount. All the transactions made by you in the credit card period appears in your HDFC credit card statement.

Credit Card News - Aug 2018
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