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HDFC Credit Card

Best HDFC Credit Card

Last Updated 07th Oct 2021
Best HDFC Cards Interest Rate Annual Fee (₹)
Platinum Times Card 3.60% 1,000
Titanium Times Card 3.60% 500
Jet Privilege HDFC Bank World Card 1.99% 2,500
Regalia Card 3.49% 2,500
Freedom Card 3.40% 500
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Top Credit Cards Offered by HDFC Bank

HDFC Bank Credit Cards Category Joining Fee Monthly Interest Charge
Allmiles Card Premium, Rewards, Travel and Airline ₹ 1,000 3.40%
Corporate Platinum Card Low Fee NIL 3.49%
Diners Club Black Card Lifestyle, Premium ₹ 10,000 1.99%
Diners Club Premium Card Premium ₹ 2,500 3.25%
Doctors Superia Card Premium ₹ 1,000 2.95%

HDFC Bank Credit Card

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 as your credit history defines your repayment capacity. 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 of making 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 account holders 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.

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
  • 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

HDFC Bank Credit Card Benefits and Features

HDFC Bank credit card features are:-

  • Get movie discounts of ₹ 1,800 or more in a year
  • 25% off on movies and up to 15% off on dining
  • Welcome Benefit of up to 7,500 Bonus JPMiles and one way (base fare waived) Jet Airways ticket.
  • Lounge access at airports in India or overseas
HDFC Bank credit card benefits are:-

  • 3 reward points on ₹ 150 spent. 10 RP on dining spends on weekdays
  • Earn 2 reward pointson ₹ 150 spent. Earn 5 reward points on dining spends on weekdays from Monday to Friday
  • Get 1 JP Tier Point on every 2 lac spends. Faster way to move to higher JP Tier
  • Fuel surcharge of 2.5% plus service tax will be replaced by Convenience fee of 1% plus service tax
  • Welcome Benefit of 1000 reward points

Types of Credit Card in HDFC Bank

HDFC Bank Credit Card With No Annual Fees

NO FRILLS CARD

Pay negligible or zero joining fees and enjoy the convenience of spending on the credit cards without any add on benefits.

Cards Name Joining Fee (₹) Annual Fee (₹)
HDFC Bank Corporate Platinum Card 0 0

HDFC Bank Shopping Cards

GET SMART WITH YOUR SPENDS

Receive attractive cash back or reward points, every time you spend a certain amount on pre-specified categories on the card.

Cards Name Joining Fee (₹) Annual Fee (₹)
HDFC Bank Platinum Edge Card 1000 500
HDFC Bank Titanium Times Card 500 500
HDFC Bank Teachers Platinum Card 500 500

HDFC Bank Travel Cards

TRAVEL WITH COMFORT

Get ease and convenience of travel if you are a regular and a frequent airline business traveler in India and to international destinations.

Cards Name Joining Fee (₹) Annual Fee (₹)
HDFC Bank Jet Privilege Platinum Card 500 500
HDFC Bank Superia Card 500 500
HDFC Bank Allmiles Card 1000 1000
HDFC Bank Platinum Times Card 1000 1000
HDFC Bank Jet Privilege HDFC Bank World Card 2500 2500
HDFC Bank Regalia Card 2500 2500
HDFC Bank Infinia Card 10000 10000
HDFC Bank Jet Privilege Diners Card 10000 10000

HDFC Bank Reward Cards

GET REWARDS FOR SPENDING

Receive reward points, every time you spend on pre-specified categories on the card. Get attractive gift vouchers and discount coupons available on accumulated reward points.
Rewards cards are similar to cash back credit cards, but instead of receiving cash when you spend you gain reward points which can be converted into vouchers spendable at a large range of retailers.

Cards Name Joining Fee (₹) Annual Fee (₹)
HDFC Bank Superia Card 500 500
HDFC Bank Moneyback Card 500 500
HDFC Bank Jet Privilege Platinum Card 500 500
HDFC Bank Teachers Platinum Card 500 500
HDFC Bank Titanium Times Card 500 500
HDFC Bank Freedom Card 500 500
HDFC Bank Platinum Times Card 1000 1000
HDFC Bank Allmiles Card 1000 1000
HDFC Bank Jet Privilege HDFC Bank World Card 2500 2500
HDFC Bank Regalia Card 2500 2500
HDFC Bank Infinia Card 10000 10000

HDFC Bank Lifestyle Cards Cards

LIVE A DREAM LIFESTYLE

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.

Cards Name Joining Fee (₹) Annual Fee (₹)
HDFC Bank Titanium Times Card 500 500
HDFC Bank Platinum Times Card 1000 1000
HDFC Bank Infinia Card 10000 10000
HDFC Bank Diners Club Black Card 10000 10000
HDFC Bank Jet Privilege Diners Card 10000 10000

How to Apply HDFC Bank Credit Card Online?

If you are an existing customer you can apply for HDFC Bank Credit Card by visiting the nearest bank branch or can apply online by following the below-mentioned procedure:

HDFC Bank Credit Card Apply Online:-

  • Visit HDFC Bank official web portal and on the HDFC Bank Credit Card page, find the list of HDFC Bank credit cards on the top.
  • Now, choose a card as per your choice and click on the 'Check Eligibility' button.
  • You will now be redirected to the application page if you are eligible for the card.
  • Next, fill all the required fields and click on 'Submit'.
  • Finally, upload the essential documents and click on 'Submit.'
  • As you have successfully submitted all the documents and application, you will receive an acknowledgement message with the 'Application ID'. You can use the same ID to track your application status.

If you are a new customer, you can visit the bank branch or follow the below-mentioned procedure to apply for HDFC Bank Credit Cards:

  • Visit HDFC Bank official web portal and on the HDFC Bank Credit Card page, find the list of HDFC Bank credit cards on the top.
  • Now, enter your personal and contact details.
  • Next, the representative of the bank will contact you and guide you about the process of applying for HDFC Bank Credit Cards.

How to Increase HDFC Bank Credit Card Limits?

There are two different ways through which you can revise credit card limits:-

  • Pre-approved credit limit offer
  • Credit limit increase on request

Pre-Approved Credit Limit Offer: This offer is given to those HDFC Bank customers who pay their dues on time. The HDFC Bank bank will SMS or email about this scheme and they can also find it in their monthly statement. To accept the offer you can visit the official website of HDFC Bank bank or call customer care number.

Credit Limit Increase on Request: You can directly apply for enhancement with HDFC Bank bank. The bank will check the eligibility and if you are eligible then your application will be processed. You will have to submit last two months salary slips, Form 16 and ITR to the bank.

How to Generate HDFC Bank Credit Card PIN?

HDFC Bank credit card pin generation can be done by performing the following steps:-

  • Pin can be generated at an ATM
  • Pin can be generated through net banking
  • Or calling a customer care number

How to Earn and Redeem Reward Points in HDFC Bank Card?

HDFC Bank reward points are earned on every purchase made using a credit card except, E-Wallet loading transactions, cash withdrawal, balance transfer and disputed transactions. Also, reward points depend on card to card.

Reward points can be redeemed through:-

  • Visiting official website
  • Mobile App of HDFC Bank
  • Calling customer care number

How to Check HDFC Bank Credit Card Status?

The process of tracking the status of the HDFC Bank credit card application is simple and can be done through online and offline modes. Track the Status of HDFC Bank Credit Card Online by visting the official webiste of HDFC Bank Bank.

You can track the Status of HDFC Bank Credit Card Offline by calling the 24*7 customer care number and by visiting the nearest HDFC Bank Bank branch.

FAQs

How can I check my HDFC credit card statement?

You can check your statements for HDFC Credit Card online by following these steps:

Step 1: Click the Net Banking 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 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 the statement, using the following simple steps:

Step 1:Log on to HDFC Net banking

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 is Corporate Platinum Card. You can avail of this card for free of cost.

What is HDFC credit card charges?

Some of the important 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).


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HDFC Credit Card News - Oct 2021
  • 2021-08-27 : HDFC Bank tops credit card by market share
    HDFC Bank has come out as the market leader of the credit card market in India. The bank has a 23.61% market share, the share of SBI cards is at 19.17%, while ICICI Bank comes at third with a 17.57% share. Despite the RBI ban on issuing any new card HDFC Bank has been able to maintain leadership status.
  • 2021-05-28 : HDFC Bank commits Rs 100 cr towards COVID relief in FY22
    HDFC Bank committed Rs 100 crore for setting up medical infrastructure for COVID-19 relief in 2021-22. The bank is planning to set up 20 oxygen plants in hospitals besides three 100-bed COVID care facilities as part of the plan.
  • 2021-05-25 : HDFC Bank deploys Mobile ATM in Bengaluru
    HDFC Bank deployed Mobile ATM in Bengaluru to assist customers during the COVID-19 related restrictions. The Mobile ATMs will eliminate the need for the public to move out of their locality to withdraw cash.
  • 2020-09-11 : Credit card EMIs at an all-time high
    HDFC Bank reported that the number of customers preferring to buy high-value products through instalments stood at an all-time high during the coronavirus pandemic. Further, The bank noted that the trend is visible across all segments of cardholders, including the newly launched millennia cards targeted for the younger users.
  • 2020-06-25 : HDFC Bank introduced co-branded credit card with IndiGo
    HDFC Bank partnered with the country largest airline IndiGo to launch a co-branded credit card, which will effectively work like a loyalty programme for the carrier. Named as Ka-ching, the card will offer multiple benefits like complimentary air tickets, lounge access, 5 % cashback or reward points on Indigo bookings, and 3% cash back on dining, grocery and entertainment.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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