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Top HDFC Bank Credit Cards in India 2020

Compare the Features and Benefits of HDFC Bank Credit Cards

HDFC (Housing Development Finance Corporation) bank was the first bank to introduce credit cards in India and now provides credit cards to over 10 million customers. It gives a wide range of credit card options to its customers to ease their transactions in day-to-day life. Be it credit cards for online and offline shopping, luxury lifestyle, food, travel, fuel, banking or business, there’s a card for every need. HDFC credit card gives excellent reward points, benefits, lounge access, dining privileges, offers and discount to its customers.

TYPES OF HDFC CREDIT CARDS

TOP HDFC CREDIT CARDS IN 2020

HDFC CREDIT CARDS ANNUAL FEE (INR) & SUITABLE FOR KEY FEATURES
Platinum Times Credit Card Rs 1000 Suitable For Dining, Fuel, Movie Deal
  • 25% off on movies and up to 20% off on dining services.
  • 10 reward points per Rs 150 spent on weekday dining.
HDFC Bank Regalia Credit Card Rs 2500 Suitable For Lounge AC, Dining, Fuel
  • Complimentary domestic & international airport lounge access at 1000+ airports.
  • 4 reward points per Rs 150 spent.
Jet Privilege HDFC Bank Diners Club Credit Card Rs 10,000 Suitable For Lounge AC, Dining, Fuel, Golf Benefits
  • Up to 30,000 InterMiles upon joining & 8 InterMiles per Rs 150 spent.
  • 2X InterMiles for flights booked on intermiles.com
HDFC Bank Diners Club Black Credit Card Rs 10,000 Suitable For Lounge AC, Fuel, Golf Benefits, Lifestyle
  • Complimentary annual memberships of Club Marriott, Amazon Prime, Zomato Gold, MMT Double Black and Times Prime
  • Unlimited complimentary airport lounge access worldwide.
HDFC Bank Regalia First Card Rs 1000 Suitable For Lounge AC, Dining, Fuel
  • Complimentary priority pass membership for free access to 1000+ airport lounges worldwide.
  • Up to 15% off on dining at partner restaurants.
HDFC Bank Diners Club Miles Credit Card Rs 1000 Suitable For Lounge AC, Dining, Insurance
  • Up to 6 complimentary airport lounge access to over 700 lounges worldwide.
  • Air accident cover of Rs 1 crore.
HDFC Bank Money Back Credit Card Rs 500 Suitable For Shopping, Fuel, Cashback
  • 2 reward points per Rs 150 and 2X reward points for shopping online.
  • Reward point redemption as cashback against credit card dues, exclusive gifts or air miles.

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CO-BRANDED CREDIT CARDS

Jet Privilege HDFC Bank Diners Club Credit Card

  • Joining fee- Rs 10,000
  • Annual fee- Rs 5000
  • Welcome gift- Get Gold membership by default on InterMiles platform. Get 15,000 InterMiles on your first swipe of Jet Privilege HDFC Bank Diners Club Credit Card and 15,000 InterMiles on total retail spends of Rs.1,50,000 and above, within first 90 days of getting the card. Avail a discount voucher worth Rs.1,000 on return flights booked on intermiles.com
  • Unlimited Airport Lounge Access- Get access to 550+ international airport lounges and 30+ domestic airport lounges. Enjoy refreshments and use facilities including phones, faxes, internet and conference rooms.
  • Renewal Benefits- Get 10,000 InterMiles and 5 Jet Privilege Tier points upon your first swipe of your Jet Privilege HDFC Bank Diners Club Credit Card within 90 days of renewal. Get a discount voucher worth Rs 750 on return flight tickets booked on intermiles.com
  • Dining Experience- Get 15% discount or other benefits at the best restaurants.
  • InterMiles Earning Program- Get 8 InterMiles per Rs 150 spent on retail purchases and 16 InterMiles per Rs 150 spent on every flight ticket booked on intermiles.com.
  • Golf Program- Get unlimited complimentary golf games (green fee waiver) at almost 20 golf courses in India and 40 golf courses globally.
  • Concierge Services- Get exclusive 24x7 concierge services for golf, dining, gift delivery, car rental, hotel, business and courier services.
  • Etihad Airways Privileges- Get 5% discount on Etihad Airways Economy tickets, 10% discount on Etihad Airways Business Class tickers and 2.5X bonus InterMiles for Etihad Airways tickets booked on intermiles.com.
  • Classic Banking Benefits- Enjoy Classic Banking from HDFC Bank and get exclusive features and benefits like Dedicated personal banker, Relationship pricing across products, Benefits for family members, Exclusivity with classic branded debit card, cheque book and more.
  • Fuel Surcharge Waiver- 2.5% (+ service tax) fuel surcharge waiver at any petrol pump on transactions between Rs 500- Rs 4000 using your Jet Privilege HDFC Bank Diners Club Credit Card.
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HDFC Bank Platinum Times Credit Card

  • Annual fee - Rs 1000
  • Welcome Benefit - Get a wide range of gift vouchers for shopping, apparels, dining and many more categories by visiting hdfcbank.timescard.com and view latest movie and dining offers and outlet details.
  • Movie and Dining offers - Get great around-the-year discount offers of 25% at participating movie and 20% at over 1000 partner dining outlets in your city.
  • Reward Points - Get 3 reward points per Rs 150 spent and 10 reward points per Rs 150 spent on dining on weekdays (Monday - Friday) in the Weekday Dining Bonanza.
  • Fuel Surcharge Waiver - 1% fuel surcharge waiver at any petrol pump using your HDFC Bank Platinum Times Credit Card applicable on transactions between Rs 500 - Rs 4000.
  • Zero liability on lost card - After reporting a lost card, you have a zero liability on any fraudulent transactions made with your card.
  • Utility Bill Payments - Register your card with SmartPay, HDFC Bank’s utility bill pay service and ensure that all your utility bills are paid easily and on time.
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SUPER PREMIUM CREDIT CARDS

HDFC Bank Regalia Credit Card

  • Annual fee – Rs 2500
  • Welcome Gift - Get Zomato Gold membership for a year which offers 1 complimentary dish or 2 complimentary drinks on every visit at a Gold food partner restaurant.
  • Domestic Airport Lounge Access - 12 complimentary domestic airport lounge access per calendar year.
  • International Airport Lounge Access - Up to 6 complimentary access to over 1000+ airport lounges across the world per calendar year using the Priority Pass program.
  • Dining Experience - Avail the Good Food Trail dining program at premium restaurants across top cities.
  • Regalia Reward Points – Earn 4 reward points per Rs 150 spent on all retail spends including Insurance, Utilities, Education and Rent Pay. Get 10,000 reward points on annual spend of Rs 5 lakhs and 15,000 reward points on annual spend of Rs 8 lakhs.
  • Best in Class Redemption Program - You can accumulate and redeem reward points for travel bookings on HDFC Regalia official website (Value of Each Reward Point is worth Re 0.50 when redeemed on HDFC Regalia official website). Alternatively, you can convert Reward Points into Air Miles of leading domestic and international airlines or redeem them against gifts from the massive rewards catalogue.
  • Fuel Surcharge Waiver - 1% fuel surcharge waiver at any petrol pump using your HDFC Bank Regalia Credit Card. Fuel surcharge waiver applicable on transactions between Rs 500 – Rs 4000 at any petrol pump in India.
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HDFC Bank Diners Club Black Credit Card

  • Joining fee – Rs 10,000
  • Annual fee – Rs 5000
  • Welcome Benefits - Get complimentary annual memberships of Club Marriott, Forbes Digital Subscription, Zomato Gold, Amazon Prime, MakeMyTrip Double Black and Times Prime.
  • Milestone Benefits - Annual Milestone: Get complimentary annual memberships from partners upon reaching annual spend milestone of Rs 8 lakhs. Monthly Milestones: Get complimentary choice of any 2 vouchers every month between Ola select membership or BookMyShow or TataCLIQ worth Rs 500 each on spends of Rs 80,000 in a month.
  • Lifestyle Benefits - Wellness Benefits: Get exclusive discounts at leading spas, salons and gyms. Golf Program Benefit: Get complimentary golf games (6 per quarter) across the best courses across the world. Concierge Service: Get 24x7 concierge service wherein all your booking requirements will be taken care of by the concierge.
  • Travel Benefits - Get unlimited airport lounge access to 700+ lounges in India and abroad for primary and add-on cardholders.
  • Reward Points - Earn 5 reward points per Rs 150 spent using HDFC Bank Diners Club Black Credit Card. Get 10X reward points on select partners. Get 2X reward points on weekend dining spends.
  • Fuel Surcharge Waiver - 1% fuel surcharge waiver at any petrol pump using your HDFC Bank Diners Club Black Credit Card applicable on transactions between Rs 500 – Rs 4000.
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HDFC Bank Regalia First Credit Card

  • Annual fee – Rs 1000
  • Welcome Gift - Get 1000 reward points and renewal benefit of 1000 reward points.
  • Domestic Airport Lounge Access - 8 complimentary domestic airport lounge access per calendar year.
  • International Airport Lounge Access - Up to 3 complimentary access to over 1000+ airport lounges across the world per calendar year using the Priority Pass program.
  • Dining Experience - Avail the Good Food Trail dining program at premium restaurants across top cities.
  • Regalia Reward Points - 4 reward points per Rs 150 spent on all retail spends including Insurance, Utilities, Education and Rent Pay. 8 reward points per Rs 150 spent on bookings made through hdfcbankregalia.com and on dining at stand-alone restaurants. 20 reward points per Rs 150 spent on specific retail and online outlets such as Lifestyle, MakeMyTrip, Snapdeal, BigBasket, Nilgiris and Easyday. Get 5000 reward points on annual spend of Rs 3 lakhs. Get 7500 reward points on annual spend of Rs 6 lakhs. Get 10X reward points on your travel and shopping spends on SmartBuy.
  • Best in Class Redemption Program - You can accumulate and redeem reward points for travel bookings on HDFC Regalia official website (Value of Each Reward Point is worth Re 0.30 when redeemed on HDFC Regalia official website). For Flight and hotel bookings Regalia First Credit card members can redeem up to maximum of 70% of booking value through Reward Points. Alternatively, you can convert Reward Points into Air Miles of leading domestic and international airlines. Points can also be redeemed against gifts from the exclusive rewards catalogue.
  • Fuel Surcharge Waiver - 1% fuel surcharge waiver at any petrol pump using your HDFC Bank Regalia First Credit Card. Fuel surcharge waiver applicable on transactions between Rs 500 – Rs 4000 at any petrol pump in India.
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HDFC Bank Diners Club Miles Credit Card

  • Annual Benefits – Rs 5000
  • Travel Benefits - Get up to 6 complimentary access to 700+ leading lounges across the world through an exclusive lounge program. Book air tickets/hotels across 150+ airlines and choice of hotels (domestic and international) at hdfcbankdinersclub.in
  • Reward Benefits - 4 reward points per Rs 150 spent on your HDFC Bank Diners Club Miles Credit Card. Redeem reward points against air tickets and hotel accommodation. Points can also be redeemed against gifts from the exclusive rewards catalog or for miles with leading international and domestic airlines and hotels.
  • Lifestyle Benefits - Get 24x7 travel concierge service and special Diners Club rewards and world-class experiences in dining, travel and entertainment with more than 1400 offers with partners in over 70 different countries.
  • Dining Benefits - Get 15% discounts and other benefits at some of the finest restaurants. Select from 1400+ offers with partners across the world.
  • Fuel Surcharge Waiver - 1% fuel surcharge waiver at any petrol pump using your HDFC Bank Diners Club Miles Credit Card. Fuel surcharge waiver applicable to transactions between Rs 500 – Rs 4000 at any petrol pump in India.
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HDFC Bank Easy EMI Credit Card

  • Annual fee – Rs 500
  • Welcome Benefit – Get Rs 1000 cash points as welcome gift.
  • Milestone Benefit – Get vouchers worth Rs 1000 on spends of minimum Rs 1 lakh in a calendar quarter.
  • Cashback Benefits – Earn up to 5% cashback on all your spends and then accumulate and redeem your cashback as cash points.
  • Auto EMI conversion - All transactions of ₹10,000 and above will be auto converted to EasyEMI for 9 months.
  • Exclusive Dining Privileges - Experience the Good Food Trail Dining program at premium restaurants across top cities.
  • Fuel Surcharge Waiver – Get 1% fuel surcharge waiver across all petrol pumps on minimum transaction of Rs 400.

HDFC Bank Infinia Credit Card

  • Annual fee – Rs 10,000
  • Welcome benefit – Complimentary 1-year Club Marriott membership with 20% discount for dining and stay across Asia-Pacific region.
  • Travel benefit – Get unlimited complimentary domestic & international airport lounge access at over 1000 airports using Priority Pass.
  • Golf benefit – Enjoy at some of the best golf courses around the world along with unlimited complimentary golf games at leading courses worldwide.
  • Reward program – Get 5 reward points per Rs 150 on all retail spends. Get 10X reward points on travel & shopping spends on SmartBuy and 2X reward points on dining spends at stand-alone restaurants.
  • Priority Customer Service – Customize your travel, entertainment and business experiences with Global Concierge Service.
  • Fuel Surcharge Waiver – 1% fuel surcharge waiver at all petrol pumps across India on transactions between Rs 400 – Rs 1,00,000.

CASHBACK CREDIT CARDS

HDFC Bank Money Back Credit Card

  • Annual fee – Rs 1000
  • Cashback Benefits - Collect and redeem your reward points for cashback against outstanding amount on your HDFC Bank Money Back Credit Card. 100 reward points = Rs 20.
  • Reward Points - Get 2 reward points per Rs 150 and redeem your reward points for exclusive gifts through My Rewards Catalogue.
  • Online Shopping - Get 4 reward points per Rs 150 spent online using your HDFC Bank Money Back Credit Card.
  • Dining Experience - Avail the Good Food Trail dining program at premium restaurants across top cities.
  • Spends Milestone Offer - Spend Rs 50,000 in a quarter (3 months) and get e-voucher worth Rs 500.
  • Fuel Surcharge Waiver - Save up to Rs 250 on every billing cycle with 100% fuel surcharge waiver.
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PREMIUM CREDIT CARDS

HDFC Bank Diners Club Rewardz Credit Card

  • Annual fee – Rs 1000
  • Welcome gift – Get 1000 points on joining.
  • Reward benefit – Get 3 reward points per Rs 150 and 10X reward points on shopping at partner brands. Cardholders can redeem up to 70% of booking value through reward points for flight and hotel bookings. Reward points can also be redeemed against gifts from rewards catalogue.
  • Travel benefits – Redeem your reward points for booking air tickets/hotels across 150+ airlines and choice of domestic/international hotels.
  • Concierge Service – Get 24x7 concierge service for all your travel needs.

COMMERCIAL CREDIT CARDS

HDFC Bank Corporate Platinum Credit Card

  • Annual fee – Nil
  • Corporate benefits – Access online MIS tool anytime and anywhere. Improve reconciliation process by getting consolidated reports for transactions done around the world and easily integrating with existing accounting systems.
  • Reward benefits – Avail 3 reward points per Rs 150 spent.
  • Fuel surcharge waiver – 1% fuel surcharge waiver on transactions between Rs 400 – Rs 5000.
  • Insurance benefit – Get air accident insurance cover worth Rs 1 crore and road/rail accident cover worth Rs 3 lakhs.
  • Lounge program – Avail 8 complimentary domestic lounge access per calendar year across airports in India.

HDFC Bank Best Price Save Max Credit Card

  • Annual fee – Rs 1000
  • Reward Point benefits – Get 6 reward points on best price spends, 4 reward points on IRCTC/Utility/Dining spends and 2 reward points on other retail spends.
  • Launch offer – Get flat Rs 500 cashback on spends of Rs 25,000 per month.
  • Complimentary Best Price Vouchers – Get Best Price voucher worth Rs 250 for minimum 4 purchases at Best Price stores within first 90 days of getting the card and Best Price voucher worth Rs 1000 for spends of Rs 1.5 lakhs in a calendar quarter.
  • Lounge access – Get up to 8 complimentary airport lounge access to over 700 lounges worldwide in a calendar year.
  • Insurance benefit – Get accidental air death cover worth Rs 50 lakhs and emergency overseas hospitalization up to Rs 10 lakhs.
  • Fuel surcharge waiver – Get 1% fuel surcharge waiver on minimum fuel transactions of Rs 400.

HDFC Bank Business Corporate Money Back Credit Card

  • Annual fee – Nil
  • Corporate benefits – Access online MIS tool anytime and anywhere. Improve reconciliation process by getting consolidated reports for transactions done around the world and easily integrating with existing accounting systems.
  • Reward points – Earn 4 reward points per Rs 150 spent on air, travel, hotel, dining & e-commerce. Earn 2 reward points per Rs 150 spent otherwise. Reward points can be redeemed as cashback against outstanding amount on your credit card, or for exclusive gifts or air miles.
  • Lounge Program – Enjoy 8 complimentary domestic lounge access per calendar year at various airports in India via Mastercard/Visa lounge program.
  • Cashback benefits – Get cashback of Rs 2000 on reward points collected by spending Rs 2.5 lakhs on your card if you have 50% business related spends.
  • Fuel Surcharge Waiver – Get 1% fuel surcharge waiver off for fuel transactions between Rs 400 – Rs 5000.

HDFC Bank Business Regalia First Credit Card

  • Annual fee – Nil
  • Welcome gift – Get complimentary annual Zomato Gold membership that offers 1 complimentary dish or 2 complimentary drinks on visits to Zomato gold partner restaurants.
  • Cashback savings – Enjoy 5% cashback on telecom, electricity, government/tax, railway, hotels, dining and taxi services with a minimum cashback of Rs 500 per statement on minimum monthly spends of Rs 15,000.
  • Milestone benefits – Get 75,000 reward points on annual spends of minimum Rs 6 lakhs in each anniversary year and 5000 reward points on annual spends of minimum Rs 3 lakhs in each anniversary year.
  • Priority Pass Membership – Enjoy a complimentary Priority Pass membership for access to over 1000 airport lounges worldwide. Get facilities like phones, faxes, internet and conference rooms.
  • Lounge Access Program – Get 8 complimentary lounge access per calendar year within India.
  • Rewards program – 4 reward points per Rs 150. Reward points can be accumulated and used for travel and entertainment bookings. For flight & hotel bookings, users can redeem up to maximum 70% of booking value through reward points. Reward points can also be redeemed against exclusive gifts or air miles.
  • Insurance benefits – Get air accidental death cover worth Rs 50 lakhs, emergency overseas hospitalization cover worth up to Rs 10 lakhs, flight delay cover worth up to Rs 25,000 and missing of connecting international flight cover up to Rs 25,000.
  • Fuel Surcharge Waiver – Get 1% fuel surcharge waiver on minimum fuel transactions of Rs 400.

OTHER HDFC CREDIT CARDS

6E REWARDS – INDIGO HDFC BANK CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit HDFC website to apply.

  • Get 5% 6E rewards on spends done through Indigo website, mobile app or other platform, 3% 6E rewards on grocery, dining & entertainment spends and 2% 6E rewards on all other spends excluding fuel & wallet e-load transactions.
  • Get up to 15% 6E rewards on spends on feature partners.
  • Enjoy 8 complimentary airport lounge access per year.
  • Get 1 complimentary 6E prime voucher which includes priority check-in, choice of seat, a complimentary meal and a quicker baggage claim. Also get 1 complimentary IndiGo base fare ticket voucher worth Rs 3000 on making minimum 3 transactions in the first 3 months of getting the card.
  • Get 8 complimentary lounge access per calendar year within India.
  • Enjoy the Good Food Trail Dining program at premium restaurants across top cities in India.
  • Get 1% fuel surcharge waiver on all fuel transactions.

INDIAN OIL HDFC BANK CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit HDFC website to apply.

  • Get 5% of your spends as fuel points at IndianOil outlets.
  • Get 5% of your grocery spends and bill payments as fuel points.
  • Get 1 fuel point per Rs 150 spent.
  • Get 50 litres of free fuel per year on using your IndianOil HDFC Bank Credit Card.
  • Get 1% fuel surcharge waiver across all petrol pumps in the country.

HDFC BANK SNAPDEAL CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit HDFC website to apply.

  • Get Snapdeal vouchers worth Rs 2000 and 500 reward points as welcome gift.
  • Get 2 reward points for every Rs 150 spent using this credit card and redeem them against Snapdeal vouchers.
  • Get your renewal fee waived off on annual spends of Rs 1.5 lakhs.
  • Get 1% fuel surcharge waiver across all petrol pumps in the country.
  • Get zero liability on any fraudulent transactions made on your lost card after reporting the loss of the card.

HDFC BANK MILLENIA CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit HDFC website to apply.

  • Get 5% cashback on Amazon, Flipkart and Flight/Hotel bookings on shopping through PayZapp and SmartBuy, 2.5% cashback on all online spends and 1% cashback on all offline spends and wallet reloads.
  • Avail gift vouchers worth Rs 1000 on spends of minimum Rs 1 lakh in each calendar quarter for the first year as launch offer.
  • Get welcome gift of 1000 cash points.
  • Get you first year’s membership fee waived off on spends of minimum Rs 30,000 in the first 90 days and your annual membership fee waived off on annual spend of minimum Rs 1 lakh.
  • Earn 8 complimentary annual domestic airport lounge access.
  • Earn up to 5% cashback on all your spends with a maximum cashback earning of ₹2,250 per month.
  • Get 1% fuel surcharge waiver on all fuel transactions.

HDFC BANK DINERS CLUB PRIVILEGE CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit HDFC website to apply.

  • Get complimentary annual memberships of Zomato Gold, Amazon Prime, MakeMyTrip Double Black, Times Prime, BigBasket Star.
  • Get complimentary choice of any 1 voucher from Ola Select membership, BookMyShow or TataCliQ worth Rs 500 every month on spends of Rs 40,000 per month.
  • Enjoy exclusive discounts at leading spas, salons and gyms.
  • Get complimentary golf games (2 per quarter) across the finest domestic and international courses in the world.
  • Get 12 complimentary airport lounge access to over 700 domestic and international airports.
  • Get 4 reward points per Rs 150, 10X reward points on select partners and 2X reward points on weekend dining spends.
  • Get air accident cover worth Rs 1 crore, medical emergency insurance cover of up to Rs 25 lakhs and travel insurance cover worth Rs 55,000 for baggage delay or loss.

HDFC BANK FREEDOM CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit HDFC website to apply.

  • Get welcome and renewal benefit of 500 reward points on fee realization.
  • Get 1 reward point on every spend of Rs 150 and above. For cashback, 100 reward points = Rs 10 and for catalogue, 100 reward points = Rs 15.
  • Get gift voucher worth Rs 1000 on annual spends of Rs 90,000 and higher.
  • Get 25X reward points on your birthday spends, 10X reward points on PayZapp and SmartBuy spends and 5X reward points for spends on dining/movies/groceries/railways/taxis.
  • Get up to 3 add-on cards for free.
  • Get 1% fuel surcharge waiver on all fuel transactions.

ELIGIBILITY CRITERIA FOR HDFC CREDIT CARDS

Eligibility criteria may differ on the basis of the credit card you may want but some criteria remains the same for all cards which are:

  • The age of a salaried applicant must be between 21-60 years.
  • The age of a self-employed applicant must be between 21-65 years.
  • Applicant must have a good credit score. A credit score of 700+ is considered good.
  • Applicant should have a monthly income. The monthly income of a salaried applicant and the ITR of a self-employed applicant changes from card to card.
  • Applicant should be able to produce all the necessary documents required.

DOCUMENTS REQUIRED FOR HDFC CREDIT CARDS

Documents Required for Identity Proof
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • NREGA Card
  • Ration Card
Documents Required for Address Proof
  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity/Water or other utility bill not more than 2 months old
Documents Required for Income Proof
  • Salary Slip
  • Bank Statement
  • Form 16
  • ITR
  • Bank Statements for the last 3 months
  • Proof of business continuity for self-employed applicants
Documents Required Additionally for NRI Applicants
  • PAN Card
  • Form 16

HOW TO APPLY FOR HDFC CREDIT CARD

ONLINE HDFC CREDIT CARD APPLICATION

  • Click on https://www.investmentcover.com/hdfc-bank-credit-cards
  • Fill the basic requirements like your Name, Occupation, Monthly Income etc.
  • After you fill the requirements, a list of suitable credit card options will be shown to you.
  • Select the option from a wide range of credit cards which suits your needs and apply for that credit card.
  • Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.

Additionally, you can apply for a card at the official HDFC website.

OFFLINE HDFC CREDIT CARD APPLICATION

To apply for HDFC Credit Card offline:

  • Visit the nearest branch of State Bank of India.
  • Meet one of their credit card representatives and share your requirements and what you want from your HDFC Credit Card.
  • Based on this, the representative will suggest a credit card among along with its features and benefits.
  • Once you are satisfied, fill out the credit card application form and submit along with the required documents.
  • You will receive your HDFC Credit Card in a few days after the approval of your application.

OTHER FEES AND CHARGES FOR HDFC CREDIT CARDS

Fee / Charge Amount
Interest free period Up to 50 days
Minimum replacement amount 5% or minimum of Rs 250
Cash Advance Limit 40% of credit limit
Additional card fee Lifetime Free
Charges on revolving credit The maximum interest rate, in case of default, is 3.5% per month, i.e., 42% annually
Card issued against Fixed Deposit 1.99% per month (23.88% annually) applicable from transaction date
Grace days 3 days from the payment due date on credit card accounts, where payments are not overdue.
Cash advance charges 2.5% of the amount withdrawn or Rs 500, whichever is higher
Charges on overlimit account 2.5% of overlimit amount, subject to a minimum of Rs 500
Payment return charges 2% of payment amount subject to a minimum of Rs 450
Cash processing fee Rs 100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Rewards Redemption Fee Rs 99 per redemption request (except Jet Privilege, Diners Club and Diners Black)
Balance transfer processing charges 1% of Balance Transfer amount or Rs 250, whichever is higher
Railway ticket purchase fee 1% of transaction amount + GST
Priority Pass Lounge Charges All lounge visits within and outside India beyond the complimentary cap will be charged $27 + taxes per person per visit. All guest(s) accompanying the priority pass holder will be charged $27 + taxes.
Reissue of lost, stolen or damaged cards Rs 100
Outstation cheque processing charge Cheque value up to Rs 5000 – Rs 25 fee. Cheque value above Rs 5000 – Rs 50 fee
Foreign Currency Transactions Bank charges cross currency markup of 3% (2% for Regalia, Regalia First, Jet Privilege Diners Club and Diners Black)
Goods and Services Tax (GST) 18% of interest and late payment charges

EARN & REDEEM POINTS ON HDFC CREDIT CARDS

Now earn various reward points and bonus reward points at a faster pace with every transaction with your HDFC Bank Credit Cards. The more reward points you gain, the greater your chances become to redeem the reward points for your spends.

HDFC Bank offers a credit card rewards program called MyRewards to its credit cardholders that makes shopping a rewarding experience. Each credit card is eligible to earn reward points based on the type of the card. Reward points are awarded for expenses on the HDFC Bank credit card.

Once you have accumulated at least 500 reward points, you can redeem it from a number of options ranging across products, gift vouchers, discounts and air miles. HDFC has partnered with brands, airlines, retail stores, hotels, food outlets, and charities to provide its customers with a varied selection of rewards redemption.

These reward points can be redeemed to make several online purchases at the HDFC online website. Customers can also redeem reward points against their HDFC BANK credit card outstanding balance.

As an HDFC Bank Credit Card holder, you can redeem your reward points for a wide range of products and gift vouchers across electronics, apparel, travel, dining and more. Download the Rewards Catalogue here.

Reward points will be earned in multiples of 150. Residual amounts or transactions below 150 will not earn reward points. Reward points are valid only for 3 years from the date of collection.

  • Reward Points/JP Miles will not be availed for EasyEMI and E-wallet loading transactions.
  • Reward Points/JP Miles earned for insurance transactions will have a maximum cap of 2000 per transactions.
  • Reward Points/JP Miles earned will be reversed if a retail transaction is converted into SmartEMI.
  • Reward Points will be nullified if the credit card is not used for more than 365 days.
  • A credit will be issued to your card account in the amount of reimbursement granted when you obtain a refund or reimbursement for transactions previously incurred. Such credits posted to the card account including but not limited to those arising from returned goods or services or cancelled transactions, will reduce the reward points earned to the card account as per the adjustments.
  • In case of cancellation of e-vouchers that were availed by redeeming reward points, the restoration of reward points, if allowed at the discretion of the bank, would be allowed at the same rate at which the e-vouchers were redeemed at.
  • You can redeem up to a maximum of 50%/70% (depending on your card) of the booking value through Reward Points for flight and hotel bookings. Rest of the transaction will be paid via the credit card limit. This condition applies for transactions done on HDFC Bank Smartbuy or the dedicated website portals of the bank for the respective card variants.

These reward points can be redeemed to make several online purchases at the HDFC website. Customers can also redeem reward points against their HDFC BANK credit card outstanding balance.

How to redeem HDFC Bank Credit Card reward points?

1. Redeem reward points through NetBanking

  • Login to NetBanking account and click on “Credit Card” tab on top.
  • Register your credit card if you’re a new user. Within the “Credit Cards” tab, click on “Register New Card” placed on left navigation bar. Enter your 4-digit credit card pin to complete registration.
  • Click on “Redeem Reward Points” link on left navigation bar after completing your registration/login.
  • Select your card, click on “Continue” to proceed to the Online Redemption page where you will click on “Redeem Reward Points” on the homepage.
  • Select “Points Range” and “Item Category” to view catalogue. Add the items you want to the shopping card by selecting them.
  • Once all the items you want to redeem are selected, click on “View Shopping Cart” to view items. Click on “Edit” to modify the selected items or the selected quantity.
  • Click on the Terms & Conditions checkbox after reading them to confirm acceptance of the same.
  • Your registered address, e-mail id and contact number will also be displayed. The items you choose will be delivered to the provided address and your e-mail id and contact number will be used for communication between you and the bank. Call customer service in case of any discrepancy.
  • Click on “Redeem” to confirm redemption. Note down the Redemption Order Number generated and keep it safely in case of any future queries.

2. Redeem reward points through Mail

  • Download the Rewards Redemption Form by clicking here.
  • Complete the Rewards Redemption Form and post it.

3. Redeem reward points through Customer Service Centre

  • Find HDFC Customer Service Numbers in the customer care tab below.
  • Call on one of HDFC’s customer service centers and place a request.

FEATURES AND BENEFITS OF HDFC CREDIT CARDS

  • HDFC offers personalized offerings for its credit cards to match the varied requirements of the individual customer.
  • HDFC also offers a range of discount facilities in its credit cards which comes with tie-ups with some of the most elite brands available in India ranging from partnerships with apparel firms to dining activities to airline partners. The discount facilities are quite large and can be availed for a large number of purchases of products and services. The discounts include cash back offers, air miles and reward points to the customers using the credit cards and are applicable throughout the year
  • HDFC also ensures high and modernized security for its credit cards. A highly secured mechanism is offered by the bank to its customers for conducting online transactions using credit cards in a smooth and efficient manner with very little actual threat of cyber theft and loss of money.
  • HDFC also provides EMV chip protection in its credit cards along with Contactless Payment Technology which also makes it very safe to use as the card never leaves your hand while payment is being done.
  • HDFC also offers balance transfer facilities for its credit cards. Customers are allowed to transfer the balance from one credit card to another or to transfer the amount to any other account.
  • Further, HDFC also offers loans to its credit card holders against the cards. There is little paper work involved in such loans being availed by users and the services is offered at the doorsteps of the customer on demand.
  • HDFC credit cards can also be used to pay bills in addition to shopping. HDFC credit card holders are able to pay mobile, telephone, electricity, insurance and other utility bills using the cards. The bank additionally offers cash back benefits for the users and they can and accumulate the reward points and use them for purchases.
  • There are a number of Bill Value Programs of HDFC Bank which includes:
    • An annual service fee of Rs 199 per annum which has a Welcome Benefit of 500 Bonus Reward Points on the first utility bill payment – which includes making payment through Smart Pay or directly to the merchant.
    • Smart Pay Benefit of 2 per cent Cashback on all Smart Pay payments that has a maximum cap of Rs 200 and reversal of Rs 10.
    • Smart Pay Transaction Processing Fee – which is a standing instruction for making utility bill payments on HDFC Bank Credit Card.
    • Direct Pay Benefit for top customers for payment of utility bills at the rate of 1 per cent cashback directly made to the billing merchant of up to Rs 150 on all utility bill payments.

CUSTOMER CARE FOR HDFC CREDIT CARDS

You can clear all your doubts and queries through HDFC BANK customer service. You can get access to the HDFC BANK customer service executives through the HDFC BANK helpline number, correspondence address or email id.

You can access your Accounts, Credit cards, Loans, Demat account and Investment services by calling on a single number. Please keep your Card Number and associated PIN or Customer Identification Number (customer ID) and Telephone Identification Number (TIN) ready to access your account. The phone numbers and e-mail addresses mentioned here are the only customer care number of HDFC bank, which you should use. Please do not use any other since these may put you at risk of fraud. Reporting loss of your Debit/Credit/ATM/Forex/Prepaid/Bearer card is available 24 hours on all days including Sundays and Holidays. Just call the Phone Banking number in your location.

For Ahmedabad / Bangalore / Chennai / Delhi & NCR/ Hyderabad/Kolkata/Mumbai/Pune, dial 61606161

For Chandigarh / Cochin / Indore / Jaipur / Lucknow, dial 6160616

Please put the STD code of the respective location before dialing.

HDFC Bank Customer Care Phone Banking Numbers in India
Ahmedabad 079 61606161
Bangalore 080 61606161
Chandigarh 0172 6160616
Chennai 044 61606161
Cochin 0484 6160616
Delhi NCR 011 61606161
Hyderabad 040 61606161
Indore 0731 6160616
Jaipur 0141 6160616
Kolkata 033 61606161
Lucknow 0522 6160616
Mumbai 022 61606161
Pune 020 61606161

Call charges may be applicable as per your tariff plans with your service provider.

For any other cities, please select Phone Banking number from the list given here

Timings - Credit card related services are available 24 hours on all days, including Sundays and Bank Holidays.

For credit card related queries - You can contact HDFC Bank for queries regarding credit card on contact number 1800-266-4332 from the following cities:

Agra / Ajmer / Allahabad / Bareily / Bhubaneshwar / Bokaro / Cuttack / Dhanbad / Dehradun / Erode / Guwahati / Hissar / Jammu & Srinagar / Jamshedpur / Jhansi / Jodhpur / Karnal / Kanpur / Madurai / Mangalore / Mathura / Meerut / Moradabad / Muzaffarpur / Mysore / Pali / Patiala / Patna / Rajkot / Ranchi / Rourkela / Salem / Shimla / SIliguri / Silvasa / Surat / Trichy / Udaipur / Varanasi

Grievance Cell - In case you are not satisfied with the response from any of the recent contacts with the bank, you can write to: The Manager, Grievance Cell, HDFC Bank Credit Cards Division 8, Lattice Bridge Road, Thiruvanrniyur, Chennai – 600041 or call HDFC customer care on phone number 04423625600 between 09.30am to 05.30pm Monday to Friday.

Complaints - For reporting a complaint without validating yourself, please call on the Toll-free number 1800-258-3838 (only for India). You can only call on this number between 8am – 8pm.

HDFC BANK Credit Card Postal Address - Correspondence: Manager, HDFC Bank Cards P.O. Box 8654, Thirvanmiyur, Chennai - 600 041, HDFC BANK Credit Card Email: customerservices.cards@hdfcbank.com

ONLINE APPLICATION STATUS FOR HDFC CREDIT CARDS

Get the real-time status of your HDFC Bank credit card by simply visiting the official HDFC Bank website. You just need to put your credit card application reference number, date of birth etc. and follow a few simple steps and you are done with the credit card application status. You would get to know the status, whether the application is approved, pending for approval or rejected. You can even call the customer care or the HDFC bank branch officials to check the status.

Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.

You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.

CREDIT LIMIT FOR HDFC CREDIT CARDS

The credit limit will be determined by HDFC Bank depending on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business. Add-on card members will have the same limit as the primary cardholder.

The credit limit and cash withdrawal limit will be communicated to the cardholder at the time of card delivery and in the monthly statements. The available credit limit at the time of the statement generation is provided as part of the monthly statement.

Existing cardholders can get good credit limit by asking HDFC Bank to raise the credit limit by writing to the bank and providing financial documents declaring their income. After receiving the request of limit enhancement, HDFC Bank will check the repayment pattern, employment, business details and the new income document provided before coming to a decision of whether it will raise the credit limit or not.

A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.

This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future.

In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.

At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.

STATEMENT AND BILL PAYMENT FOR HDFC CREDIT CARDS

HDFC Bank will send you a monthly statement showing the payments credited and the transactions debited to your account since the last statement. The bank will mail a statement of transactions in your account every month on a pre-determined date to the provided mailing address.

If the outstanding balance is less than Rs 200 and there is no further transaction pending since the last statement, then no statement will be issued by the bank.

HDFC Bank Credit Cards offers you the facility of revolving credit. You can pay only the Minimum Amount Due printed on the statement. The balance outstanding can be carried forward to subsequent statements. You can also pay the Total Amount Due or any part of the amount above the Minimum Amount Due. Such payment should be made before the Payment Due Date.

You are advised to drop local cheques well in advance of the payment due date to ensure that the payment reflects on the card account within the payment due date. Any unpaid minimum amount due of the previous statements will be added to your current Minimum Amount Due in addition to the outstanding balance exceeding your credit limit.

Payments made towards the card outstanding are acknowledged in subsequent statements. Payments received against your card outstanding will be adjusted against all taxes, fees and other charges, interest charges, cash advances and purchases in that particular order.

Bill payment towards the card account may be made in any of the following ways:

  • If you have an HDFC Bank account, you can pay the bill through Netbanking, ATM or Phone Banking. You can also pay through a Standing Instruction facility, where funds can be automatically transferred from your HDFC Bank account to your account on due date.
  • You can also pay through NEFT fund transfer from other bank account (use IFSC code HDFC0000128) or through the VISA money transfer facility.
  • If you do not have an HDFC Bank account, you can pay through the Bill Desk facility using other banks’ Netbanking account.
  • You can also pay your outstanding offline by dropping the payment cheque or draft into any of the HDFC Bank Credit Card drop boxes placed in the HDFC Bank branches and ATMs. The cheque/draft should be made payable to HDFC Bank Card Number xxxx xxxx xxxx xxxx. Ensure that the cheque/draft is deposited at least 3 working days before the due date in case of HDFC Bank cheque and 5 working days before the due date in case of non-HDFC Bank cheque.
  • The bill can also be paid through cash payments at HDFC bank branches.

TERMINATION / REVOCATION OF HDFC CREDIT CARDS

You may terminate your HDFC Bank Credit Card membership any time you wish by filling a closure form and sending it to HDFC Bank at the following address: Manager HDFC Bank Credit Cards, P.O. Box 8654, Thirvanmiyur HO, Chennai – 600041. Download the credit card closure/cancellation form here. You are also required to mention your card number, name, address and contact details in your cancellation letter. But do not mention sensitive information like your card’s CVV number and PIN number.

Along with this card, all add-on cards will also be terminated. Termination will be effective only after the receipt of the cut cards and payment of all amounts outstanding to the card account. No annual, joining or renewal fees shall be refunded on a pro-rata basis.

Things to be sure of before you cancel your credit card

  • Payment of outstanding/dues: Before cancelling your credit card, make sure that your account balance is zero and all your outstanding balance has been paid. Also remember that all EMIs on your credit card has to be closed. If you initiate the process of cancellation without paying all your dues, the bank will notify you via a call or an e-mail on your registered mobile number or e-mail id. The cancellation process will not move forward if all dues have not been payed and the account balance is not zero. For credit cards issued on Fixed Deposits, the lien on the Fixed Deposit can be removed only after the entire outstanding on the card are cleared. In case a loan is active on the credit card, it will be pre-closed and for which you will have to pay a pre-closure charge at 3% of the outstanding amount. The entire dues including the pre-closure charges are to be cleared.
  • Stop or switch any automatic payment: If your card is being used to make automatic payments, then either cancel them or switch them to other cards or other payment methods. Check the date at which the automatic payment is scheduled to ensure that it will not go through before you cancel your credit card.
  • Check for fraudulent transactions: You should check your credit card statement carefully for any fraudulent transactions. If you notice any fraudulent transactions in the statement after the closure of your credit card, then it might be difficult to get a refund of those transactions.
  • Redemption of Reward Points: The reward points will expire after 30 days from the date of cancellation of credit card. You are advised to redeem your reward points before that and get great products from HDFC Bank’s reward catalogue. You can also redeem these reward points against discounts on other products and services.
  • Do not use the credit card post cancellation: Once you have raised a cancellation request, you should stop further usage of that credit card as this will stop the cancellation process. The bank terminates the cancellation process for credit cards that have fresh dues on them. The bank will proceed with the cancellation process only once the fresh dues are paid off.

LOSS / THEFT / MISUSE OF HDFC CREDIT CARD

You must notify the 24-hour call center immediately if your credit card has been misplaced, lost, stolen, mutilated, not received when due or if you suspect that your card is being used without your permission. If you find your card after you report it as lost, it should not be used under any circumstance. When your primary card is reported as lost, the add-on cards are rendered invalid as add-on card is an extended facility given on your primary card. Similarly, if the add-on cards are reported as lost, all the add-on cards as well as the primary card account will be rendered invalid.

In addition to notifying the HDFC Bank about the loss or theft of the card, you must also report the loss or theft of your card to the police, lodge a FIR and provide acknowledged copy of the police complaint.

You will be liable for all losses in case of misuse of the card by someone who obtained the PIN or the card with your or an additional card member’s consent.

You will be liable for all the losses if you have acted fraudulently or if you have acted without reasonable care.

You could avail an optional insurance product, at your own discretion, to cover the liability arising in the event of any fraudulent transactions on your credit card.

FREQUENTLY ASKED QUESTIONS (FAQS)

1. Why choose HDFC Bank Credit Cards?

You should choose HDFC Bank Credit Cards as it gives a wide range of credit card options to its customers to ease their transactions in day-to-day life. Be it credit cards for online and offline shopping, luxury lifestyle, food, travel, fuel, banking or business, there’s a card for every need. HDFC credit card gives excellent reward points, benefits, lounge access, dining privileges, offers and discount to its customers.

2. How to apply for priority pass in HDFC Bank Credit Card?

Follow the steps to apply for priority pass in HDFC Bank Credit Card:

  • Go to prioritypass.com and click on “Register”.
  • Enter your Membership Number on the account Registration page.
  • Enter your Personal Validation Code/Web PIN and select continue.
  • Create a username and password which must contain at least 8 alphanumeric characters.
  • Choose a security question and its answer.
  • Enter your e-mail address and click on “Create Account” when all fields have been completed.
  • Your account creation is now complete and now you will be able to access the benefits of your priority pass program.
3. How to activate my HDFC Bank Credit Card?

Follow the steps to activate your HDFC Bank Credit Card:

  • Login to your HDFC netbanking account using your customer ID and password.
  • Go to the “Credit Cards” tab and choose the “Credit Card ATM PIN” option.
  • Select your HDFC Credit Card from the drop down and click on the “Continue” tab.
  • Confirm your transaction by clicking on “Confirm” tab and the new credit card PIN will be sent to your registered address.
  • Once you receive the new PIN, you could visit the nearby HDFC ATM to change it.
4. How to redeem HDFC Bank Credit Card reward points?
  • Login to NetBanking account and click on “Credit Card” tab on top. Register your credit card if you’re a new user.
  • Click on “Redeem Reward Points” on the left-hand side.
  • Select your card, click on “Continue” to proceed to the Online Redemption page where you will click on “Redeem Reward Points” on the homepage.
  • Select “Points Range” and “Item Category” to view catalogue. Add the items you want and click on “View Shopping Cart”.
  • Click on the Terms & Conditions checkbox after reading them.
  • Click on “Redeem” to confirm redemption.
5. Can HDFC Bank Credit Cards be used for international travel?

Yes, HDFC Bank Credit Cards can be used for international travel and international transactions with a low currency conversion rate of 2% for most of the credit cards. You can also get International Airport Lounge Access through the Priority Pass Program.

6. How to change the pin for HDFC Bank Credit Card?

To change the pin for HDFC Bank Credit Card, follow the given steps:

  • Login to your HDFC net banking account.
  • Click on 'Cards > Credit Card'
  • Select 'Credit card options > Change PIN'
  • The bank will then send an OTP to your registered mobile number.
  • Enter the OTP and click on 'Continue'.
  • Enter a new 4-digit PIN of your choice.
  • Re-enter the PIN and click on submit.
7. Who can apply for HDFC Bank Credit Cards?

Only Indian citizens can apply for the HDFC Bank Credit Cards. Salaried applicants should be aged between 21-60 years and applicants who are self-employed should be aged between 21-65 years. Applicants should also have a good credit score. Applicants should be able to produce all the required documents.

8. Can I withdraw cash from HDFC Bank Credit Card?

Yes, you can withdraw cash from your HDFC Bank Credit Card through the Cash Advance feature. You are charged 2.5% of the transaction amount or Rs 500, whichever is higher as cash advance fee. The process to withdraw cash is same as that of a debit card. But make sure you have enough limit on your credit card before withdrawing cash.

9. How to use HDFC Bank Credit Card voucher?
  • Login to HDFC Bank NetBanking by entering your ID and password.
  • Go to “Cards” section at top navigation bar and click on “Enquire” tab.
  • Click on “Redeem Reward Points” from the drop down.
  • A pop-up will appear. Accept the information on the pop-up and move to the next page.
  • Click on “InstaEVouchers” and select the category you want to choose the voucher from.
  • Choose voucher from the selected category by redeeming your reward points and use the voucher to shop.
10. How do I increase my HDFC Bank Credit Card limit?

You can increase your HDFC Bank Credit Card limit through the bank’s “Limit Enhancement” feature, which is available for its existing credit card users. However, only eligible customers can avail the feature. You can request for credit limit increase by contacting HDFC phone baking offices at 61606161/6160616. Your area code must be added before the mentioned number for you to get connected to your area’s customer care.

11. What is the billing cycle of HDFC Bank Credit Card?

The billing cycle of your HDFC Bank Credit Card is about 30 days. You also get an extra 20 days from the date of bill generation to pay off your HDFC Bank Credit Card dues.

12. How to check billing date and payment due date for HDFC Bank Credit Card?

There are three ways to know the billing date and the payment due date of your HDFC Bank Credit Card:

  • You can refer to your Billed Monthly statement.
  • You can login to your HDFC Net Banking website and go to credit card section to see the monthly statement where you will find the credit card Billing date and Payment date.
  • You can contact the customer service center of your bank and they can help you with all the information related to your credit card such as billing date and the payment due date.
13. How to add-on members for HDFC Bank Credit Card?
  • Visit HDFC Bank’s official website.
  • You will find the add-on application form under the “Credit Card” tab.
  • Attach the required documents which are asked.
  • After filling the form and attaching the required documents, you can submit the form at your nearest HDFC Bank branch.
14. How to cancel HDFC Bank Credit Card?

To cancel your HDFC Bank Credit Card membership, fill a closure form and send it to HDFC Bank at the following address: Manager HDFC Bank Credit Cards, P.O. Box 8654, Thirvanmiyur HO, Chennai – 600041. Along with this card, all add-on cards will also be terminated. Termination will be effective only after the receipt of the cut cards and payment of all amounts outstanding to the card account.

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