India’s largest private sector bank (in terms of assets), which is HDFC Bank, provides a wide range of credit cards in India. The numerous HDFC credit card types available for consumers to choose from makes it worthy of understanding why this player is amongst the best lenders in our country's banking industry. Currently, amongst the HDFC Bank credit card types offered to consumers is based on different consumer segments targeted by the bank. The list of cards and HDFC credit card types are aimed to be customized and cater to as a wide set of consumers as possible, focusing on the availability of some type of card for every consumer's needs and spending habits.
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The primary focus of offering a wide range of HDFC credit card types such as Travel, Fuel, Lifestyle, Premium, Rewards and Cashback, Super premium, EMI etc., is to have a category and card for all possible transactions and to spend patterns of varying consumers. And with the hassle-free process of availing of the offered credit cards coupled with completely secure as well as convenient experiences makes it imperative to avail HDFC credit cards. Given that credit cards tend to involve numerous fees and charges which consumer needs to be aware of, remember to check HDFC credit card types and charges before zeroing in on any card.
Amongst the wide variety of HDFC credit card types available for widely varying sets of consumers, below mentioned is a list of some of the best HDFC credit cards which you can choose when comparing and finalizing any card.
|HDFC MoneyBack Credit Card|
|HDFC Regalia Credit Card|
|HDFC Millennia Credit Card|
|HDFC Diners Club Rewardz Credit Card|
|HDFC IndianOil Credit Card|
Joining and Annual Fee: Rs. 500
Joining and Annual Fee: Rs. 2,500
Joining and Annual Fee: Rs. 1,000
Joining and Annual Fee: Rs. 1,000
Joining and Annual Fee: Rs. 500
With a long list of HDFC credit card types for consumers to choose from, it also becomes tedious to separately check eligibility criteria for each category's credit card. Hence, note that for availing of a card amongst the various HDFC credit card types, you have to be in the 21-60 years age group if salaried and 21-65 years if self-employed.
On HDFC Bank’s website, you can check your eligibility for various HDFC credit card types by providing your basic required details like age, income, occupation etc. Upon knowing the cards available for you, choose the most suitable card as per your spending pattern and also after factoring in the available HDFC credit card types and charges applicable on them.
Apart from a duly filled application form, applicants also need to submit proof of identity, proof of address and proof of income. Given below is the detailed list of acceptable documents in each category when comparing and choosing amongst HDFC Bank credit card types.
Proof of Identity- Passport, PAN Card, Aadhaar card, Driver's License, Voter's ID, Person of Indian Origin Card, Overseas Citizen of India Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof
Proof of Address- Aadhaar card, Passport, Driver’s License, Utility Bill (should not be more than 3 months old), Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government-approved address proof
Proof of Income- Latest one or two salary slips (should not be more than 3 months old), Last 3 months' bank statement, Latest Form 16
When comparing amongst the various HDFC credit card types offered, it’s important as well as imperative for you to have a look at the applicable HDFC credit card types and charges and then finalize the best card according to your requirement and spending pattern.
|Joining and Annual Fee||Varies from Card to Card and across different HDFC Bank credit card types.|
|Finance Charges||Up to 3.6% per month, I.e. up to 43.2% per annum (varies from card to card)|
|Late Payment Fee||Widely ranges from NIL to Rs. 1,300 depending upon the outstanding amount|
There are several ways to apply for the chosen card amongst the numerous HDFC Bank credit card types. You can either apply online through net banking, mobile banking or directly visiting the HDFC bank branch nearest to you. Let’s deep dive and understand the steps involved in the easiest process amongst these all, i.e. online submission of credit card application.
HDFC Bank offers a extensive range of credit cards and different HDFC credit card types aimed to meet various needs of consumer segments and to spend patterns like travel, fuel, shopping, cashback, etc. Finalize only after comparing various HDFC credit card types and features of them, and according go for the credit card that best meets your eligibility and spending habits.
Those wanting to avail of an increased credit limit on their HDFC Credit card can log in to the net banking portal, then go to the cards section and select the 'Request' option. Next, choose the ‘Credit Limit Enhancement’ option available there. Then enter your credit card details, do the verification required. Now you will see a pop-up telling you whether you are eligible for an increase in credit limit or not. If yes, then your credit limit will be increased post completion of all the required processes depending on the HDFC Bank credit card types.
HDFC credit card users can conveniently check their HDFC credit card statement online. All they are needed to do is visit the HDFC website, log in to your account, go to the 'Cards' section, and then choose the ‘Enquire’ option in order to view your statement. Alternatively, you can also check your statement through HDFC MobileBanking App. If you had opted for mailed statements, then the statement would have been emailed to you as well.
Depending upon the varying HDFC credit card types and features offered for the chosen credit card that you have, the steps to change the HDFC pin are simple and can be done online itself. Just visit the HDFC net banking portal, log in to your HDFC net banking account and then click on the 'Cards' section, select the 'Credit Card' option. Then, choose ‘Credit card options’ and select ‘Change PIN’ facility. Now go ahead to verify this request by entering the OTP received from HDFC Bank on your registered mobile number. Once this is done, you can enter a new 4-digit PIN according to your choice and then finally confirm it.
Amongst the wide range of HDFC Bank credit card types and within that multiple cards offered for travel segment, HDFC Regalia and HDFC Diners Club Miles Credit Card are amongst the best travel credit cards provided by HDFC Bank. Travel Credit Cards offered by HDFC Bank provide a host of exclusive travel benefits like complimentary airport lounge access, higher rewards on flight and hotel bookings, low markup fees, air miles conversion facility etc.