HDFC BANK CREDIT CARDS

HDFC bank brings an assortment of credit cards in a variety of categories such as lifestyle, dining, travel etc. Whether it is swiping your card for grocery shopping or booking a flight ticket, using your HDFC credit card can earn you attractive benefits which you can turn into vouchers and discounts on various merchandise. If you have no clue of what this bank has to offer with its multitude of credit cards, then this section for you. Read on to find about HDFC bank credit cards, their features and benefits and find which one matches your lifestyle choices.

We have the list of the top 10 HDFC Bank Credit Cards to help you compare among the cards and choose the right card for you.

Top HDFC Bank Credit Cards in India 2021

CARD VARIANT ANNUAL FEE CATEGORY
HDFC Regalia Credit Card Rs. 1,000 Travel & Shopping
HDFC Moneyback Credit card Rs. 500(Waived if annual spends > Rs. 50,000 or an HDFC Current/Savings Account is present/opened) Shopping & Rewards
HDFC Millennia Credit card Rs. 1,000(Waived if annual spends > Rs. 1,00,000) Cashback
HDFC Bharat Credit Card Rs. 500(Reversed on spends of Rs.50,000 or more in the previous year)
HDFC Platinum Times Credit card Rs. 1,000(Waived if annual spends > Rs.  2.5 lakhs) Movie & Dining
HDFC Diners Club Rewards Credit Card Rs. 1,000 Rewards
HDFC Infinia Credit Card Rs. 10,000 Travel
HDFC EasyEMI Credit Card Rs. 500(Waived if annual spends > Rs. 50,000) Travel
HDFC Indian Oil Credit card Rs. 500(Waived if annual spends > Rs. 50,000) Fuel
HDFC Diners Club Privilege Credit card. Rs. 2,500 Shopping & Travel

Features and Benefits of HDFC Credit Cards

You will enjoy a slew of benefits on swiping your HDFC credit card. These benefits include rewards, cashbacks and discounts which vary across different categories and transactions which are made with your HDFC bank credit card.
Here are some exciting features and benefits of HDFC credit cards:

  • Reward Points : HDFC bank credit cards bring a rewards program in which you are offered a plethora of reward points. These reward points differ based on the type of HDFC credit card you use. For each transaction made  using the card, you get to earn reward points on different categories such as travel, dining, movies etc. These reward points can be redeemed for vouchers and merchandise.
  • Fuel Surcharge Waiver : You get to enjoy 1% fuel surcharge waiver on your spends on fuel using the HDFC credit card. You can avail the waiver at any petrol station across the country.
  • SmartEMI : SmartEMI is a feature by HDFC credit card which enables you to convert your transactions into Equated Monthly Installments. You can pay HDFC Bank credit card outstanding balance into EMIs every month.
  • Zero-Cost Liability : HDFC credit cards come with zero-liability cover. If your credit card gets stolen/lost  then you can report the loss to the bank and avail zero-liability protection. It is best if you report the loss within 24 hours of the event.
  • Interest-Free Credit Period : You get up to 50 days as an interest-free credit period on HDFC credit cards. This interest-free credit period applies from the date of purchase made with the card.

1. HDFC Regalia Credit Card

hdfc regalia cardKey Highlights: The Regalia card comes with many rewards in categories like shopping & lifestyle.
Joining Fees Rs. 1,000
Renewal Fees Rs. 1,000
Joining Bonus Earn 2,500 Points on paying joining fees.
Features & Benefits

  • Get Free Zomato Gold Membership on spending Rs. 75,000 within 3 months of getting the card.
  • Spend Rs.5 lakh or more in an anniversary year and earn 10,000 reward points.
  • Get 50 days of Interest-Free Period.
  • Get upto 15% discount at 3000+ restaurants.

2. HDFC Moneyback Credit card

moneyback credit cardKey Highlights: With HDFC Money back credit card, for every spend you make, a certain percentage of money back will be received at the end of the credit cycle.
Joining Fees Rs. 500 (Waived if an HDFC Current/Savings Account is present/opened within 3 months of card approval )
Renewal Fees Rs. 500(Waived if annual spends > Rs. 50,000 or an HDFC Current/Savings Account is present/opened)
Joining Bonus 500 Points
Features & Benefits

  • Earn 2 Rewards Points for every Rs. 150 spent.
  • Get 100% Fuel Surcharge Waiver up to Rs. 1800 every year. The minimum value of the transaction should be Rs. 400.
  • Enjoy 0 liability on the lost card, if reported immediately.

3. HDFC Millennia Credit card

millenia credit cardKey Highlights: This card is best for shopping and rewards.
Joining Fees Rs. 1,000(Waived on completing 2 transactions in a month for first 3 consecutive months)
Renewal Fees Rs. 1,000(Waived if annual spends > Rs. 1,00,000)
Joining Bonus A Welcome gift of 1,000 cash points on paying membership fees.
Features & Benefits

  • Earn cashback of 2.5% on all online purchases (on minimum purchase of Rs.2,000).
  • Get Airport lounge access for 8 visits per calendar year at a charge of Rs. 2 on the card.
  • Get a 1% fuel surcharge waiver on fuel transactions of at least Rs.400 and above.
  • Earn cash points worth up to Rs. 2250 per month.

4. HDFC Bharat Credit Card

bharat credit cardKey Highlights: With HDFC Bharat Credit Card, get a 5% cashback on fuel, grocery, mobile recharges, etc. This card also lets you save up to Rs. 3,600 every year.
Joining Fees Rs. 500
Renewal Fees Rs. 500(Reversed on spends of Rs.50,000 or more in the previous year)
Joining Bonus NIL
Features & Benefits

  • Get up to Rs. 50 Lakhs complimentary accidental death insurance.
  • Avail cashback of 5% on fuel, grocery, recharge, etc.
  • Get a 1% fuel surcharge waiver on fuel transactions of at least Rs.400 and above

5. HDFC Platinum Times Credit card

hdfc platinum times cardKey Highlights: With HDFC Platinum Times Credit card, enjoy exclusive offers on Movies & Dining.
Joining Fees Rs. 1,000
Renewal Fees Rs. 1,000(Waived if annual spends > Rs.  2.5 lakhs)
Joining Bonus e-Vouchers worth Rs. 1,500
Features & Benefits

  • Enjoy a discount of 25% off on movies.
  • Get upto 20% discount at 1000+ restaurants.
  • Avail accelerated reward points during weekdays.
  • Earn 3 reward points for every Rs. 150 spent.

6. HDFC Diners Club Rewards Credit Card

hdfc diners club credit cardKey Highlights: With HDFC Diners Club Rewards Credit Card, enjoy exclusive offers on travel and 24*7 concierge services.
Joining Fees Rs. 1,000
Renewal Fees Rs. 1,000
Joining Bonus A Welcome gift of 1,000 Reward Points.
Features & Benefits

  • Earn 3 reward points for every Rs. 150 spent.
  • Get 50 days of Interest-Free Period.
  • Avail cash advance limit of upto 40% of the credit limit.
  • Choose from 150 airline and hotel partners, when you book your travel and enjoy exclusive benefits.

7. HDFC Infinia Credit Card

hdfc infinia credit cardKey Highlights: HDFC Infinia Credit Card provides an all round substitute for cash transactions. The card offers many benefits such as Limitless spending benefits and privileges among wide categories.
Joining Fees Rs. 10,000
Renewal Fees Rs. 10,000
Joining Bonus
  • Taj Epicure Plus Plan & Inner Circle Gold membership
  • Club Vistara Gold membership
Features & Benefits

  • Earn 5 reward points for every Rs. 150 spent.
  • No pre set spending limits..
  • Complimentary membership at Club Marriott.
  • Get first class insurance policy and card protection with complimentary airport lounge access.
  • Personal Concierge service.

8. HDFC EasyEMI Credit Card

hdfc easyemi cardKey Highlights: With HDFC EasyEMI Credit Card, enjoy exclusive offers on shopping and save a lot.
Joining Fees Rs. 500(Waived on completing 2 transactions in a month for the first 3 consecutive months or spending Rs. 20,000 in 90 days)
Renewal Fees Rs. 500(Waived if annual spends > Rs. 50,000)
Joining Bonus A Welcome gift of 500 Cash Points, applicable on paying membership fees only.
Features & Benefits

  • Get 1% Cashback on offline spends, wallet reloads, etc. up to Rs. 750 per month.
  • Get a 1% fuel surcharge waiver on fuel transactions of at least Rs.400 and above.
  • Get 2.5% Cashback on online  spends(on apps other than SmartBuy and PayZapp) up to Rs. 750 per month.
  • Win gift vouchers worth Rs. 1,000 on spendings over Rs. 1 Lakh, in the first year.

9. HDFC Indian Oil Credit card

hdfc indian oil credit cardKey Highlights: HDFC Indian Oil Credit Card is specially designed for those who use vehicles on a daily basis around the city. The card offers a wide range of offers and benefits, particularly in the fuel category.
Joining Fees Rs. 500(Waived on completing 2 transactions in a month for the first 3 consecutive months or spending Rs. 20,000 in 90 days)
Renewal Fees Rs. 500(Waived if annual spends > Rs. 50,000)
Joining Bonus NIL
Features & Benefits

  • Earn 1 fuel point for every Rs. 150 spent on other purchases.
  • Get a 1% fuel surcharge waiver on fuel transactions.
  • Earn 5% spends as fuel points on IndianOil Fuel outlets, Groceries, Bill payments & utilities.
  • Get up to 50 liters of FREE FUEL every year.

10. HDFC Diners Club Privilege Credit card.

hdfc diners club privilege credit cardKey Highlights: The HDFC Diners Club Privilege Credit Card comes under the category of premium travel credit card providing exclusive offers and benefits.
Joining Fees
Renewal Fees Rs. 2,500
Joining Bonus
Features & Benefits

  • Get 2x reward points on dining spends over the weekend.
  • Get medical emergency insurance up to Rs. 25 Lakhs.
  • Avail 1 Free Voucher from BookMyShow, Ola Select, TataCliq every month over the spending of Rs. 40,000 in one calendar month.
  • Get travel insurance up to Rs. 55,000 for baggage loss or delay.

HDFC Bank Credit Card Reward Points

You earn reward points every time you make a purchase using the HDFC Bank credit card. The points you get are determined by the type of credit card you use and the intensity of your transactions. Reward points open the door to exciting vouchers and discounts. Once your credit card account has gathered enough reward points, you can redeem them against a variety of offers.

If you have no idea how to redeem HDFC LTD credit card reward points then here we have your answer. Below we have mentioned the steps to redeem HDFC bank credit card reward points:

  • First of all, you need to log into your HDFC netbanking account.
  • Once you are logged in, hit the “Redeem Reward Points” option at the left.
  • Select your card and hit “Continue”.
  • You will now be redirected to another section for rewards redemption.
  • Then you have to choose the “Points Range” along with the “Item Category” in order to see options for reward redemption.
  • Select the items you wish to redeem your points against.
  • Confirm the items by checking your cart.
  • Hit the “Redeem” button to complete the redemption.

Factors to Keep in Mind for HDFC Credit Card Reward Points Redemption

HDFC reward points vary across the multitude of credit cards offered by the bank. The reward points you are earning are totally decided by the type of credit card you are using and your shopping habits. However, there are some factors that are too important to not miss when it comes to redeeming HDFC credit card reward points.

Here are the things you should keep in mind when redeeming your reward points:

  • You should have at least 500 reward points to go for reward redemption.
  • You cannot club reward points on your different HDFC credit cards.
  • Know that the vouchers you earn on redemption come with an expiry date. You need to use the vouchers before they expire.
  • You should always have your redemption number noted in order to use it at the time of any query or complaint.

Eligibility Criteria for HDFC Bank Credit Cards

If you are in a mood to treat yourself with a HDFC bank credit card then the first thing you should do is check if you are eligible for it. The bank demands that you meet the eligibility requirements before they provide you with a credit card.

Know that the eligibility criteria matters a lot when it comes to issuing a credit card. The bank generally determines your eligibility on factors such as your age, occupation, credit worthiness etc. Thus, you need to make sure that you live up to that criteria.

Here is the eligibility criteria for HDFC credit cards that is generally required to met:

  • The minimum age of the customer should not be less than 21 years.
  • The maximum age of the customer should be 60 years. It goes up to 65 years for self employed individuals.
  • The customer should be salaried or self employed.
  • The customer should have the required minimum income for the type of credit card he is applying for.
  • The credit score of the customer should be at least 750.

Documents Required for  HDFC Credit Card Application

You need to present certain documents without which your HDFC credit card application cannot be proceeded. When applying for the credit card, you need to make sure that you submit all the necessary documents.
Here are the documents that are generally required for HDFC credit card application:

Documents Salaried Individual Self Employed Individual
Identity Proof Aadhar Card, Driving Licence, Passport, Voter’s ID Card Aadhar Card, Driving Licence, Passport, Voter’s ID Card
Address Proof PAN Card, Driving Licence, Passport, Voter’s ID Card, Electricity Bills, Telephone Bills PAN Card, Driving Licence, Passport, Voter’s ID Card, Electricity Bills, Telephone Bills
Income Proof  Salary Slips, Bank Statements, Form 16 Bank Statements, IT Returns
Others Passport-size Photographs Passport-size Photographs

How to Apply for HDFC Credit Card

Wondering how to get the HDFC credit card? It’s easy. Once you have made sure that you meet all the eligibility requirements, you can apply for a credit card either online or offline.

Here is how you can apply for the HDFC credit card:

Apply for HDFC credit card Online

Applying for a HDFC credit card online is the fastest way to have the credit card home. Besides that, it is easy and convenient. Here are the steps you need to follow in order to apply for a HDFC credit card:

  • First things first, you need to visit the official website of HDFC bank.
  • Now, hit the “Pay” section on the top lane of the page.
  • Find and click on the “Credit Cards” in the “Cards” menu.
  • You should be able to view all the types of HDFC credit cards now. Find the one you wish to apply for and click on the “Apply Online” option.
  • Now, you need to enter all the information as asked further and submit the application.

Apply HDFC credit card Offline

If you wish to apply for the HDFC credit card offline, then you need to visit the nearest branch of HDFC bank. At the bank, you can meet the official who will offer you assistance with the credit card application procedure.

Besides, you can also enquire more about the credit card. In order to save time and avoid hassle, you need to make sure you carry all the required documents for the HDFC credit card application to the bank.

Apart from the methods mentioned above, you can contact the HDFC bank customer service in order to get assistance with the application. You can enquire about the types of credit cards offered by the bank and ensure that you are eligible for the one you wish to apply for.

HDFC Bank Credit Cards Limit

Many factors determine the Credit limit on a HDFC Bank Credit Card.

  • Applicant’s Income.
  • Applicant’s Age.
  • Any Loans & Liabilities attached to the applicant.
  • Applicant’s repayment capacity.
  • Applicant’s Credit History.
  • Applicant’s Credit Score.
  • Type of Credit Card issued.

The Credit Card limit of First-Time users is usually low as the bank does not have any prior record of how you manage your credit. Then over time, based on your management of this limit, the card limit can be increased by the bank.

How to Track Your HDFC Credit Card?

Know that you can always keep tabs on the status of your HDFC credit card and check up on its whereabouts. There is more than a single way to track your credit card application status. You can contact the HDFC customer service and enquire with the executive about your HDFC bank credit card application status. Apart from that, you can also track the status of your HDFC bank credit card application online.

Here is how to track HDFC credit card online:

  • Go to the official web portal of HDFC bank.
  • Hit the “Pay” dropdown at the top section.
  • Click on the “Credit Cards” in the “Cards” menu.
  • Now, you should be able to see the “Manage Your Credit Cards” menu.
  • You have to find and click on the “Track Your Credit Card” option.
  • Once you are on the application tracker page, you need to fill the required fields.

How to Pay HDFC Bank Credit Card Bill Online?

When it is time of the month and you have got a credit card bill to pay, there are multiple channels that you can opt for to make it as convenient as possible. If you are not sure how you can pay your HDFC credit card bills then you can have a look at the options listed.

Online payment can be done by using internet banking, mobile banking, NEFT, Bill Desk, and many. Offline credit card bill payments can be done by using cheques, over the counter by cash payments, and ATM Payments.

Online bill payment options for the HDFC Account holders-

  • Mobile Banking
  • Visa Card pay
  • Mobile App
  • Internet banking

Online bill payment options for Non-HDFC Account holders-

  • HDFC Bill Desk
  • UPI
  • Non-HDFC Bank’s website
  • NEFT/RTGS

HDFC Bank Credit Card Customer Care-

To get in touch with the HDFC Credit card customer care, the customers can reach out by calling using the below given toll-free number.

HDFC Credit Card customer care toll-free number-

022-6160-6161

FAQs On HDFC Bank Credit Cards

1. What if my credit card application is rejected?

If your application for an HDFC credit card gets rejected, it is advisable to wait for some time before applying for the card again. Applying right after the rejection can threaten your credit score. When your credit card application is rejected, you can get in touch with the bank and enquire what caused the rejection.

2. Can I have two HDFC credit cards at once?

Usually , banks do not provide two credit cards to the individual at once. However, if your credit card is strong then you can get in touch with the bank and enquire about it.

3. Can I avail loan using my HDFC credit card?

Yes. HDFC bank offers loans on credit cards to the existing credit card holders. There are two types of pre-approved loans offered by the bank- Insta loan and Insta Jumbo Loan.

4. How can I increase the credit limit on my HDFC credit card?

You can contact the bank if you wish to increase the credit limit on your HDFC credit card. In order to do that, you can write a letter and send it to the bank requesting the increase in the credit limit. It is best you share your income proofs (Salary Slips, bank statements or ITR) along with the letter.

5. How can I check my credit card statement online?

You can check your credit card statement by logging into your HDFC net banking account. You can also keep tabs on your transactions by checking the credit card statement on your HDFC mobile app.