Explore loans designed for your needs, offering easy terms and the chance to improve your financial standing.

Personal Loan

Discover Credit cards & Enjoy a range of benefits, including credit-building opportunities, rewards, exclusive discounts, & Amazing Cashbacks.

Credit Cards

Discover the Savings accounts that provide a secure and accessible way to grow money through interest earnings, no Lock-in Period, Debit card & mobile Banking

Bank Accounts

Explore the best cashback credit cards that cater to your requirements.

Cashback Cards

Unlock the Best Rewards with Our High-Earning Credit Cards!

Reward Cards

Enjoy the Perks without the Fees: Discover Lifetime Free Credit Cards

No annual fee Cards 

Unlock the World: Experience the Perks of Travel Credit Cards

Travel Cards

Indulge in Retail Therapy with Shopping Credit Cards: Unleash the Shopaholic in You!

Shopping Cards

Best HDFC Bank Credit Card 2024 & Offers for You to Apply

Apply for HDFC bank Credit Card, Get list of best HDFC Credit Card with features, benefits, charges & Review online to Apply for Credit Card in easy steps

Best HDFC Bank Credit Card February 2025 - Compare & Apply

Lifetime Free

Rewards

Shopping

Cashback

Airport lounge

Travel

Dine-in

Movies

Fuel

Lifestyle

<h2 style="text-align:justify">HDFC Bank Credit Card</h2>

<p style="text-align:justify">HDFC Bank, a renowned and well-established bank in India, provides its customers with a comprehensive range of financial services. Among its various offerings, In July 2004, HDFC Bank achieved a pioneering milestone by introducing credit cards in more than 100 cities across the country. As one of the largest banks, HDFC offers an extensive range of over 40 credit card options tailored to diverse customer lifestyles and spending preferences. The credit card category has emerged as a preferred choice for many individuals in the country. The growing popularity of HDFC Bank credit cards can be attributed to a diverse selection of card types, features, and benefits tailored to cater to individual preferences and current needs.</p>

<h2 style="text-align:justify">Features and Benefits of HDFC Credit Cards</h2>

<p style="text-align:justify">Varying from card to card, there are myriad benefits of HDFC Bank credit cards that users can enjoy. Alongside primary benefits like rewards, cashback, and discounts, the bank offers an array of perks based on the user&#39;s card choice and other preferences.</p>

<h3 style="text-align:justify">Welcome Benefits</h3>

<p style="text-align:justify">Cash points, vouchers, and whatnot to get when you join an HDFC credit card membership! The bank treats cardholders to welcome benefits on many credit cards upon successful activation/ meeting certain criteria, such as payment of joining fees or meeting the minimum required spending.</p>

<h3 style="text-align:justify">Rewards/Cashback</h3>

<p style="text-align:justify">Every time you use a credit card to pay online or offline, you get rewards and cashback in return. It is one of the topmost benefits of HDFC Bank credit cards, provided they can help you earn a good purchase value. The rewards points/ cashback and their value may differ depending on the type of card you use. HDFC Bank credit card reward points are redeemable against a slew of incredible shopping categories and brands, HDFC Bank credit card outstanding balances, etc.</p>

<h3 style="text-align:justify">Milestone Benefits</h3>

<p style="text-align:justify">If you have hit a certain spending figure on your card, the bank may offer you reward points or vouchers. HDFC Bank credit card milestone benefits are the perks offered upon meeting the minimum quarterly spending requirement, which can be a deal to grab if you use your card frequently.</p>

<h3 style="text-align:justify">Travel Benefits</h3>

<p style="text-align:justify">Are travel plans flashing on your calendar every now and then? If yes, then using an HDFC bank credit card may be your choice for all things travel expenses. Depending on the card, the bank offers travel perks like domestic and international airport lounge access, travel miles, and priority pass memberships. To top it all, you can redeem your airline ticket reward points.</p>

<h3 style="text-align:justify">Movie &amp; Dining Benefits</h3>

<p style="text-align:justify">Apart from shopping and travel, HDFC credit cards have also covered your movie nights and dining outs covered with a buffet of discounts and vouchers. The card has multitudinous partner restaurants nationwide that allow you to save up goods when eating out. Apart from that, occasionally, you can get a free movie ticket when you buy one &mdash; making your entertainment experiences worth planning.</p>

<p style="text-align:justify"><a href="https://www.banksathi.com/credit-cards/airport-lounge">Best Lounge Access Credit Card in India</a>&nbsp;&nbsp; &nbsp;|&nbsp; &nbsp; &nbsp;<a href="https://www.banksathi.com/credit-cards/rewards">Best Rewards Credit Card</a>&nbsp; &nbsp; &nbsp;|&nbsp; &nbsp; &nbsp;<a href="https://www.banksathi.com/credit-cards/cashback">Best Cashback Credit Card in India</a></p>

<h2 style="text-align:justify">HDFC Bank Credit Card Eligibility Criteria</h2>

<p style="text-align:justify">The HDFC Bank credit card eligibility criteria can vary depending on the type of card you wish to apply for. Generally, the following is what it implies:</p>

<h3 style="text-align:justify">The Eligibility Criteria for Salaried Individuals</h3>

<ul>
	<li style="text-align:justify"><strong>Age: </strong>21-60 years</li>
	<li style="text-align:justify"><strong>Income: </strong>specified based on the card<strong>&nbsp;</strong></li>
	<li style="text-align:justify"><strong>Nationality: </strong>Indian; Non-resident Indian</li>
</ul>

<h3 style="text-align:justify">The eligibility criteria for self-employed individuals</h3>

<ul>
	<li style="text-align:justify"><strong>Age: </strong>21-65 years</li>
	<li style="text-align:justify"><strong>Income: </strong>specified based on the card</li>
	<li style="text-align:justify"><strong>Nationality: </strong>Indian; Non-resident Indian</li>
</ul>

<h2 style="text-align:justify">Required Documents for HDFC Credit Card Applications</h2>

<p style="text-align:justify">When you are applying for the HDFC bank credit card, you will need to submit the following documents. You would need to provide one proof of identity, one address proof, a passport-size photograph, and any other document that might be deemed necessary by the bank.</p>

<p style="text-align:justify"><strong>Proof of Identity</strong></p>

<ul>
	<li style="text-align:justify"><a href="https://www.banksathi.com/aadhar-card">Aadhaar card</a></li>
	<li style="text-align:justify">PAN</li>
	<li style="text-align:justify">Driving licence</li>
	<li style="text-align:justify">Passport</li>
</ul>

<p style="text-align:justify"><strong>Address proof</strong></p>

<ul>
	<li style="text-align:justify">Aadhaar</li>
	<li style="text-align:justify">PAN</li>
	<li style="text-align:justify">Driving licence</li>
	<li style="text-align:justify">Passport</li>
	<li style="text-align:justify">Utility bills</li>
</ul>

<p style="text-align:justify"><strong>Income proof (For salaried)</strong></p>

<ul>
	<li style="text-align:justify">Last 3 months&rsquo; bank statements</li>
	<li style="text-align:justify">Last 3 months&rsquo; salary slips</li>
</ul>

<p style="text-align:justify"><strong>Income proof (For self-employed)</strong></p>

<ul>
	<li style="text-align:justify">Income Tax Returns</li>
</ul>

<h3 style="text-align:justify">HDFC Bank Credit Cards Annual Fees and Charges</h3>

<p style="text-align:justify">The HDFC Bank Credit Cards come with annual fees and charges that vary based on the type of card and its associated benefits. The specific details regarding the annual fees and charges can be found on HDFC Bank&#39;s official website or by contacting their customer service. It is recommended to review the terms and conditions of each credit card to understand the applicable fees and charges before making a decision.</p>

<p style="text-align:justify">Also check:- <a href="https://www.banksathi.com/credit-cards/news/mycard-hdfc-bank-credit-card-login">MY Cards HDFC</a> Web to Manage Credit Card</p>

<h2 style="text-align:justify">Popular HDFC Bank Credit Cards</h2>

<p style="text-align:justify">HDFC Bank offers a range of popular credit cards that cater to the diverse needs and preferences of the users. Here are a few of the well-known HDFC Bank credit cards:</p>

<h3 style="text-align:justify">HDFC Bank Lifestyle Credit Cards</h3>

<p style="text-align:justify">HDFC Bank Lifestyle Credit Cards are designed to provide exclusive lifestyle benefits to customers. These cards offer rewards on shopping, dining, travel, and more, including access to premium airport lounges, exclusive deals, and substantial reward points on high-value transactions.</p>

<h3 style="text-align:justify">Regalia Credit Card</h3>

<p style="text-align:justify">One of the best credit cards by HDFC Bank, Regalia makes a perfect choice when you want to use your card while also getting exciting rewards in return. The card offers 4 reward points for every INR 150 you spend. Moreover, it also offers added privileges such as concierge service that amplifies your experience for good. To top it all, it also offers complimentary MMT Black Elite and Club Vistara memberships.</p>

<h3 style="text-align:justify">Regalia Gold Credit Card</h3>

<p style="text-align:justify">If you love shopping from top brands and would like to savour accelerated rewards on every purchase, you may want to consider Regalia Gold. One of the premium HDFC credit cards, Regalia Gold, brings 5x reward points on every INR 150 you spend at Nykaa, Marks &amp; Spencers, Reliance Digital, and Myntra.</p>

<h3 style="text-align:justify">Diners Club Privilege Credit Card</h3>

<p style="text-align:justify">The Diners Club Privilege card is a popular HDFC credit card that earns you 4 reward points for every INR 150 spent. The card also offers complimentary subscription services for Amazon Prime, Zomato Pro, etc., along with premium benefits such as low foreign currency markup fees and travel insurance.</p>

<h3 style="text-align:justify">HDFC Bank Cashback Credit Card</h3>

<p style="text-align:justify">These cards are tailored to offer financial advantages to cardholders. These cards reward users with cashback on a wide range of transactions, including shopping, utility bills, dining, and more, thus enabling significant savings on everyday spending.</p>

<h3 style="text-align:justify">Milennia Credit Card</h3>

<p style="text-align:justify">The Millennia credit card is one of the top cashback credit cards by HDFC Bank designed specifically for millennials. The card offers 2.5% cashback on the online shopping category and various other rewards and cashback benefits on other purchases. It also makes a strong choice for those who are looking for a credit card with excellent travel and dining benefits.</p>

<h3 style="text-align:justify">Paytm Select Credit Card</h3>

<p style="text-align:justify">HDFC Bank introduced the Paytm HDFC Select Credit Card in partnership with Paytm. The card offers Paytm First loyalty membership and an array of zesty cashback perks of up to 5% to shoppers who spend a lot through the Paytm app or/and Paytm Mall.</p>

<h3 style="text-align:justify">MoneyBack Plus Credit Card</h3>

<p style="text-align:justify">Yet another amazing and arguably one of the best HDFC Bank credit cards, MoneyBack Plus, is a powerhouse of benefits for spenders looking for cashback. From 10x Cash Points on Amazon, Big Basket, Reliance Smart Superstore, and Swiggy to 5x on EMI spending, it offers many more perks you may not want to miss.</p>

<h3 style="text-align:justify">HDFC Bank Travel Credit Cards</h3>

<p style="text-align:justify">A perfect card for frequent travelers, these cards offer many benefits, including lounge facilities, cashback on ticket bookings, reward points, and discounts. Designed to offer you a smooth travel experience, travel cards also offer benefits on shopping and lifestyle aspects.</p>

<h3 style="text-align:justify">Diners Club Premium Credit Card</h3>

<p style="text-align:justify">The HDFC Diners Club Premium Credit Card is one of the premium cards offered by the bank with fantastic rewards and travel benefits. The bank offers a welcome benefit of 2,500 reward points and 4 points on every INR 150 you spend on retail purchases.</p>

<h3 style="text-align:justify">Indigo 6E Rewards</h3>

<p style="text-align:justify">Indigo 6E rewards credit card by HDFC Bank gets you to earn 6E Rewards for travel, grocery, dining, and entertainment. You can earn 2% on other expenses as well. The card also offers additional benefits, such as complimentary domestic lounge access.</p>

<h3 style="text-align:justify">Diners Club Privilege</h3>

<p style="text-align:justify">One of the top choices among travel enthusiasts, the HDFC Diners Club Privilege Credit Card brings pretty good perks in travel and lifestyle categories. The card offers memberships of MMT Black, Amazon Prime, Dineout, Times Prime, etc., along with other benefits, including low foreign exchange markup fees and airport lounge access.</p>

<h3 style="text-align:justify">HDFC Bank Fuel Credit Card</h3>

<p style="text-align:justify">The HDFC Bank Fuel Credit Card is specifically designed for individuals who frequently use their cards for fuel purchases.</p>

<h3 style="text-align:justify">HDFC EMI Credit Card</h3>

<p style="text-align:justify">The HDFC EMI Credit Card is a credit card offered by HDFC Bank that is specifically designed to facilitate the easy and convenient purchase of products and services through equated monthly installments (EMIs).</p>

<h2 style="text-align:justify">How to Apply for HDFC Bank Credit Cards Online</h2>

<p style="text-align:justify">Thanks to the digital era, applying for HDFC Bank credit cards online is quite feasible. The bank allows users to kickstart their <a href="https://www.hdfcbank.com/personal/pay/cards/credit-cards" target="_blank">credit card application</a> journey from the official online portal, where they can fill out the required details and submit them.</p>

<p style="text-align:justify">Here are the steps in the online HDFC Bank credit card application process:</p>

<ul>
	<li style="text-align:justify"><strong>Step 1: </strong>Go to the official HDFC Bank website.</li>
	<li style="text-align:justify"><strong>Step 2: </strong>Go to the credit cards page.</li>
	<li style="text-align:justify"><strong>Step 3: </strong>Navigate credit cards and click on the one you would like to apply for.</li>
	<li style="text-align:justify"><strong>Step 4: </strong>Go through the features, benefits, fees, charges, and other details of the card.</li>
	<li style="text-align:justify"><strong>Step 5: </strong>Click the &ldquo;Apply Online&rdquo; button for the chosen credit card.</li>
	<li style="text-align:justify"><strong>Step 6: </strong>Enter your mobile number, date of birth, and PAN to start the application.</li>
	<li style="text-align:justify"><strong>Step 7: </strong>Now, fill out the HDFC Bank credit card application form with the required details, including personal and professional information.</li>
	<li style="text-align:justify"><strong>Step 8: </strong>Once done, submit the application form.</li>
</ul>

<p style="text-align:justify">The bank will update you about the status of your application within 4-5 working days. In case of approval, the credit card shall be delivered to the mailing address you have provided during the application process.</p>

<h2>How To Activate HDFC Bank Credit Cards?</h2>

<p style="text-align:justify">To activate an HDFC credit card, you can simply use it for offline and online transactions. In case of an online transaction, you need to enter the card details, such as number, expiration date, etc., in the payment gateway. You will need to swipe the card through a PoS machine for offline transactions.</p>

<h2>How Do I Compare &amp; Pick The Best HDFC Credit Card?</h2>

<p style="text-align:justify">You must consider several factors when comparing HDFC Bank credit cards and finding the most suitable one. Here are some tips to help you compare HDFC bank cards and make the right decision:</p>

<h3 style="text-align:justify">Identify your Needs</h3>

<p style="text-align:justify">The reason(s) why you want a credit card, the ways you are going to use it, and your monthly budget have a say in choosing the credit card. Are you looking for rewards points or travel benefits, or a low-interest rate? Determining your requirements will help you narrow down the options.</p>

<h3 style="text-align:justify">Fees and Charges</h3>

<p style="text-align:justify">It is crucial to consider the fees and charges like annual fees, late payment fees, cash withdrawals, and others that come associated with the credit card. Some HDFC cards cost no annual fee, while others offer excellent benefits but at a good yearly cost. Evaluate which set of benefits offered will justify the fee you are paying.</p>

<h3 style="text-align:justify">Rewards and Benefits</h3>

<p style="text-align:justify">When comparing HDFC credit cards, it is crucial to consider the rewards programs they offer. It is recommended to find cards that align with your spending patterns. Look for cards that provide rewards or cashback on the categories where you tend to spend the most. Additionally, some cards offer accelerated rewards specifically for shopping, dining, or travel, which can be an enticing factor to consider during your comparison process. By evaluating the rewards programs of different HDFC credit cards, you can choose the one that best suits your needs and maximizes your benefits based on your spending habits.</p>

<h3 style="text-align:justify">Welcome Offers</h3>

<p style="text-align:justify">Scavenge for any signup or welcome bonuses offered by <a href="https://www.hdfcbank.com/personal/pay/cards/credit-cards" target="_blank">HDFC Bank credit cards</a>. These offers can include bonus reward points, vouchers, or discounted fees, which can add incredible value to your card in the initial period.</p>

<h3 style="text-align:justify">Additional Features</h3>

<p style="text-align:justify">As you explore cards, don&rsquo;t forget to look at other features and benefits the bank offers, such as insurance coverage, complimentary airport lounge access, fuel surcharge waivers, or concierge services. These perks can amp up your overall credit card experience and provide added value.</p>

<h2>FAQs for HDFC Bank Credit Card</h2>

<h3>Which credit card from HDFC Bank is the best in 2024?</h3>

<p>Regalia, MoneyBack Plus, Millenia, and Diners Club Privilege are some of the best credit cards by HDFC Bank in 2023.</p>

<h3>Do self-employed people have to file income tax returns in order to apply for a credit card?</h3>

<p>Yes, self-employed individuals must submit ITR to qualify for a credit card, as it enables the issuer to assess their creditworthiness and financial health.</p>

<h3>Do HDFC Bank&#39;s credit cards come with Zero Cost Liability?</h3>

<p>Most credit cards have zero cost liability that helps ensure that the cardholder will not be liable to pay any expenses incurred by theft/ loss or any fraudulent transaction on the credit card.</p>

<h3>How long is the interest-free credit period I get with HDFC Bank credit cards?</h3>

<p>The interest-free period on HDFC credit cards lasts between 20 to 50 days.</p>

<h3>Are there any fees associated with using HDFC Credit Cards to redeem reward points?</h3>

<p>The bank charges INR 99 as a redemption fee.</p>

<h3>Are new credit cards being issued by HDFC Bank currently?</h3>

<p>Yes, HDFC Bank is issuing new credit cards currently.</p>

Excellent Credit Score

Good Credit Score

Fair Credit Score

Bad Credit History

No Credit History

HDFC Bank

State Bank Of India

Axis Bank

AU Small Finance Bank

IDFC First Bank

Kotak Mahindra Bank

IndusInd Bank

Bobcard

ICICI Bank

RBL Bank

Apply Online HDFC MoneyBack Credit Card, Also Check all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC MoneyBack Credit Card

HDFC MoneyBack Credit Card - Benefits & Offers to Apply

HDFC IndianOil Credit Card Online - Check all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC Indian Oil Credit Card

HDFC IndianOil Credit Card - Discounts & Rewards on Fuel

HDFC Regalia Credit Card Online - Check all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC Bank Regalia Credit Card

HDFC Regalia Credit Card - Benefits, Charges & Apply Now

If you are looking for Best Credit Card in HDFC Bank with Multiple benefits, you have good option to get HDFC Millennia Credit Card with lifetime benefits

HDFC Bank Millennia Credit Card - Charges, Features & Offers

Apply Online for HDFC Shoppers Stop Credit Card, Get Complete Details like benefits, Charges, Offers & no annual and joining fees for HDFC Bank shoppers stop credit card

HDFC Shoppers Stop Credit Card - Benefits, Features & Apply

Apply online for HDFC Regalia Gold Credit Card, Get Complete Details like Features, Benefits, Charges, Steps to Apply for HDFC Bank Regalia Gold Credit Card

HDFC Regalia Gold Credit Card - Features & Apply Online

HDFC Diners Club Black Credit Card Online - all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC Diners Club Black Credit Card

Diners Club Black HDFC Bank Credit Card - Features & Offers

If you are looking best shopping and rewards benefits credit cards, you have option to select HDFC Freedom Credit Card with good benefits and features and good limit

HDFC Bank Freedom Credit Card - Benefits, Offers & Features

Tata Neu Infinity HDFC Bank Credit Card Online - Check all details, reviews, rating, eligibility criteria, features, charges & offers of Tata Neu Infinity HDFC Credit Card. Apply Now!

Tata Neu Infinity HDFC Bank Credit Card Apply Online

HDFC TATA Neu Plus Credit Card Online - Check all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC TATA Neu Credit Card. Apply Now!

TATA Neu Plus HDFC Bank Credit Card - Benefits, Charges & Apply

Swiggy HDFC Bank Credit Card Apply Online - Check all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC Swiggy Credit Card

Swiggy HDFC Bank Credit Card - Features, Offers & Benefits

HDFC Bank Equitas Elegance Credit Card Online - Check all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC Equitas Elegance Credit Card. Apply Now!

HDFC Bank Equitas Elegance Credit Card Apply Online

HDFC Bank Equitas Elegance Credit Card  - Eligibility, Features, Offer & More

HDFC Bank Diners Privilege Credit Card Online - Check all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC Diners Club Privilege Credit Card. Apply Now!

HDFC Bank Diners Privilege Credit Card - Lounge Benefits

HDFC Bank Diners Privilege Credit Card - Review & Lounge Benefits

HDFC Business MoneyBack Credit Card Online - Check all details, reviews, rating, eligibility criteria, features, charges & offers of HDFC Bank Business MoneyBack Credit Card. Apply Now!

HDFC Bank Business MoneyBack Credit Card - Apply Now!

Apply Online for HDFC Equitas Excite Credit Card have good benefits, review, rating, no annual /Joining Fees, Check Details of Equitas Excite HDFC Bank Credit Card

HDFC Bank Equitas Excite Credit Card - Benefits, Review & Apply

apply Online for 6E Rewards XL IndiGo Credit Card HDFC Bank, Check Complete Details Review, ratting, Charges, Card Limit, Features & Apply Process of HDFC 6E Rewards XL IndiGo Credit Card

6E Rewards XL - IndiGo HDFC Bank Credit Card - Charges, Benefits

Apply Online for HDFC 6E Rewards-Indigo Credit Card,  Check here, Benefits, Features, Review, Charges, Credit Card Limit, Annual/Joining Fee for HDFC Bank 6E Rewards Credit Card

6E Rewards-Indigo HDFC Bank Credit Card - Features & Apply Online

Apply Online for Pine Labs HDFC Bank Pro Credit Card, get maximum benefits and features of this card like Airport Lounge, Rewards points on every 150 spends, and shopping discounts

Pine Labs HDFC Bank Pro Credit Card - Features & Apply

Apply Online for Pine Labs HDFC Bank Pro Credit Card, get maximum benefits and features of this card like Airport Lounge, Rewards points on every 150 spent, and shopping discounts

Apply Online for Pine Labs HDFC Bank Credit Card, Enjoy benefits like Airport Lounge, Rewards Points on Every 150 Spends, and discounts on shopping

Pine Labs HDFC Bank Credit Card - Features, Charges & Limit

Apply Online for Paytm HDFC Bank Select Credit Card, Get Maximum Benefits & Features on Patym Select Card of HDFC Bank, also check Card Review, Rating and Charges Online Here