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Types of HDFC Credit Cards Available in India 2022

Updated on: 09 Feb 2022 // 38 min read // Credit Cards
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Types of HDFC Credit Cards Available in India 2022

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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Types of HDFC Credit Cards

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.

Best HDFC Credit Cards 2022

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

Features & Benefits of HDFC Credit Card Types in India

HDFC MoneyBack Credit Card

Joining and Annual Fee: Rs. 500

Key Features:

  1. Reward Points earned- Get 2 reward points per Rs. 150 spent, and even more, get 4 reward points per Rs. 150 spent on online shopping
  2. Cashback offer- Get your accumulated reward points redeemed for cash credit into your statement, with the value of 100 points being equal to Rs. 20
  3. Fuel Benefits- Availability of a complete fuel surcharge waiver gets you to save up to Rs. 250 in a billing cycle
  4. The benefit of reaching milestones- Get Rs. 500 e-vouchers on spending Rs. 50,000 in a quarter

HDFC Regalia Credit Card

Joining and Annual Fee: Rs. 2,500

Key Features:

  1. Joining Benefit– Get complimentary membership of Dineout Passport for 1 year
  2. Lounge Access Facility- Get 12 complimentary domestic lounge access each year through Visa/Mastercard, and also avail complimentary membership of Priority Pass with 6 free visits in each calendar year.
  3. Reward Points earned– Get 4 reward points per Rs. 150 spent on every retail spending except fuel
  4. Benefits on reaching milestones – Get 10,000 reward points upon reaching spends of Rs. 5 Lakh in a year and get an additional 5,000 reward points upon reaching spends of Rs. 8 Lakhs in a year.
  5. Reward Redemption Program– Redeem accumulated reward points against any of the available and offered premium range of products and vouchers from the rewards redemption catalogue, against flights and hotel bookings, or against exclusive reward redemption portal available to be used by HDFC Regalia users.

HDFC Millennia Credit Card

Joining and Annual Fee: Rs. 1,000

Key Features:

  1. Cashback earned– Get cashback on all your spending, mainly as 5% cashback upon shopping via PayZapp for Amazon, Flipkart, Flight & Hotel bookings,5% cash back upon all kinds of online spending done above Rs. 2,000, and get 1% cashback on all offline spends as well as wallet reloads of more than Rs. 100
  2. Lounge Access Facility– Get 8 free domestic lounge accesses for every year
  3. Joining Benefit– Get Rs. 1,000 gift vouchers upon spending Rs. 1 Lakh every quarter in the HDFC Millennia card’s first year
  4. Dining Offers– Get discounts as well as offers through the Good Food Trail Dining program of HDFC

HDFC Diners Club Rewardz Credit Card

Joining and Annual Fee: Rs. 1,000

Key Features:

  1. Joining as well as Renewal Benefits– Get 1,000 bonus reward points upon making payment of joining and renewal fee each and every year
  2. Reward Points earned– Get 3 reward points for spending every Rs. 150 on retail. Also, get 10X rewards upon shopping with the list of selected partner brands.
  3. Reward Redemption Program– Get products as well as vouchers from the rewards program catalogue when redeeming reward points. Additionally, utilize the accumulated points to even book flight tickets and hotel stays.
  4. Travel Benefits- Get exclusive benefits with a set of partnered travel partners. Also, get to convert accumulated reward points into air miles of selective airlines. 
  5. Lower Forex Markup charge– Just need to pay only 2% markup fee on foreign currency spending. Check for all such things in HDFC credit card types and charges mentioned in the Fees and Charges schedule available on HDFC Bank's website's MITC for credit cards.

HDFC IndianOil Credit Card

Joining and Annual Fee: Rs. 500

Key Features:

  1. Get fuel points at listed IndianOil fuel outlets by earning 5% of your spent amount

Get to earn 1 Fuel Point for every Rs.150 spent with HDFC IndianOil Credit Card

  1. Get to earn at least 50 litres of free fuel each year

Eligibility Criteria of HDFC Credit Cards Types

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.

How to check eligibility for HDFC credit card types online?

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.

Documents Required

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

HDFC Credit Card Types Fees & Charges

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 FeeVaries from Card to Card and across different HDFC Bank credit card types.
Finance ChargesUp to 3.6% per month, I.e.  up to 43.2% per annum (varies from card to card)
Late Payment FeeWidely ranges from NIL to Rs. 1,300 depending upon the outstanding amount

How to Apply HDFC Credit Card Types in 2022?

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.

  • Visit the HDFC Bank website and click on the credit cards category to know the wide range of HDFC credit card types offered.
  • Check the diverse HDFC credit card types and features in order to help yourself in selecting the best one as per your requirement.
  • Then click on apply online and fill in the required details such as your name, date of birth, mobile number, email ID, city, income pin code, PAN number etc. Accordingly, enter the security code you got on your mobile and/or email, and then click on Submit option.
  • Now, just wait to get an SMS/Email/call from HDFC Bank in order to take forward your credit card application.

Frequently Asked Questions (FAQs)

✅Which credit card is best when comparing amongst the various HDFC Bank credit card types offered by HDFC Bank?

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.

✅Can you increase your HDFC credit card limit online?

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.

✅What is the process to check HDFC credit card statements online?

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.

✅How can you change HDFC credit card PIN online?

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.

✅Which is the best credit card offered by HDFC for travel?

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.