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HDFC Credit Card

HDFC Credit Card Online

Last Updated 30th Jun 2020
Best HDFC Cards Interest Rate Annual Fee (Rs.)
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 ₹ 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 ₹ 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 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 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 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, throughout the year. The card also comes with a bouquet of discount gift vouchers as a 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, grocery and online 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
  • 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

How to check HDFC Credit Card Status?

The process of tracking the status of the HDFC credit card application is simple and can be done through online and offline modes. You can follow the credit card application once you have received the confirmation SMS post acknowledging your credit card application.

Track the Status of HDFC Credit Card Online

  • To check the status of HDFC credit card applications online, you need to visit the official website of HDFC bank.
  • After visiting the website, find the 'Track your Credit Card Application Status' option under the Credit Card tab and fill required information such as the Date of Birth, Application Reference Number, Application Form Number and Mobile Number.

Track the Status of HDFC Credit Card Offline

HDFC credit card application can also be tracked offline by calling the 24*7 customer care number and by visiting the nearest HDFC Bank branch. You need to provide an application reference number and application form number to know the status of your credit card application.

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 are; Regalia Card, and Corporate Platinum Card.

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).


HDFC Credit Card News - Jul 2020
  • 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.
  • 2020-06-05 : HDFC Bank introduced summer treats
    HDFC Bank introduced summer treats, under this Bank will offer no-cost EMI and no down payment for large appliances, discounts and cashback on select brands. In addition to this, 50% extra reward points on online spend using credit cards. It will also have exclusive offers on the Bank lending products as well as additional rewards on online spends via Debit Card Credit Card or Payzapp.
  • 2019-12-03 : HDFC Bank launches a co-branded credit card with Walmart India
    HDFC Bank launched a credit card exclusive to ‘B2B Cash and carry stores’ customers, that offers free credit up to 50 days. The card can be used in all 26 B2B stores in the country. The card was launched to enable small businesses like Kirana stores to prosper well. Further, the card brings along cashback and rewards and can be used both online and at the stores.
  • 2019-09-02 : HDFC Bank launches its new millennia cards
    In a bid to engage the young customers, HDFC Bank launched its new range of millennia cards. These debits and credit cards come with variant features like 5 percent cash back on shopping, discounts and also a 1 percent waiver on the fuel charge. These cards are available in four variants Millennia Credit Card, Millennia easy EMI card, Millennia Debit card, and Millennia Prepaid card.
  • 2019-08-26 : HDFC Bank launches card range for millennials
    HDFC Bank has launched a new range of card offerings for millennials in association with Mastercard. The range of cards includes credit, debit, prepaid, and EMI variants to cater to diverse types of customers. The move is driven to provide to the vast millennial population in India. These cards will offer huge offers and benefits, including cash back on purchases.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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