HDFC Bank

HDFC Bank Credit Card

Apply HDFC Bank Credit Card

About HDFC Bank

HDFC Bank was incorporated in the year 1994 and today it is the largest private sector bank of the country, and dominates the Credit Card segment with more than 25% market share. 1 in every 4 Credit Cards issued in India is HDFC Credit Card.

The popularity of HDFC Cards largely owes to its extensive network supported by 4805 branches, 12260 ATMs across the country. The bank has installed 4.30 lakh POS terminals and issued 235.7 lakh Debit Cards and more than 100 lakh Credit Cards.

Shri Manmohan Singh inaugurated the bank's first corporate office and full -service branch at Worli, the then Union Finance Minister of the country.

HDFC Bank offers a wide range of products and services, including retail banking, treasury, wholesale banking, and Credit Cards. They have also introduced two digital products, Payzapp and SmartBuy.

Credit Card is one of the most convenient ways of payments, be it, for booking a flight ticket, movie ticket, or purchase of high-end gadgets. They give you the advantage of paying at one swipe instead of carrying huge cash for all of your shopping needs. HDFC Credit Card is very popular since a lot of privileges are extended for using the card.

Why Choose an HDFC Credit Card?

HDFC Credit Cards are the most popular cards among each segment of users.

Choose your HDFC Card for one or more of the following reasons:

  • Instant approval on applying for the card online.
  • It can be automatically set to pay recurring bills like phone, electricity, and water bills.
  • It has the best 'buy now and pay later' option. You also get a grace period up to 50 days from the date of purchase. During the grace period, interest will not be charged on the outstanding amount.
  • You will earn reward points for every purchase with the card which can be redeemed for exciting gifts and vouchers.
  • With selected offline and online merchants, HDFC offers a host of cash back and discounts.
  • The Credit Card statement gives an item wise list of expenditures made on the Credit Card, which helps you keep track of your expenses.

Types of Credit Cards

There are 9 different categories of HDFC Credit Cards with further sub-categories under each group. These are:

  1. HDFC Super Premium Credit Card
  2. HDFC Co-brand Credit Card
  3. HDFC Professional Credit Card
  4. HDFC Premium Travel Card
  5. HDFC Premium Women Card
  6. HDFC Premium Credit Card
  7. HDFC Regular Credit Card
  8. HDFC Commercial Credit Card
  9. HDFC Cashback Credit Card

Under each category of Credit Cards, HDFC unlocks customised cards with defined advantages for varied user-base.

Table: Types of HDFC Credit Cards

HDFC Card Category HDFC Card Names

HDFC Super Premium Credit Card

  • HDFC Bank Infinia Credit Card
  • HDFC Regalia Credit Card
  • HDFC Regalia First Credit Card
  • HDFC Diners Club Credit Card
  • HDFC Diners Club Miles Card

HDFC Co-brand Credit Card

  • Jet Privilege HDFC Diners Club Card
  • Jet Privilege HDFC World/Signature Credit Card
  • Jet Privilege HDFC Platinum
  • Jet Privilege HDFC Bank Select/Titanium
  • Platinum Times Card and Titanium Credit Card
  • Snapdeal HDFC Credit Card

HDFC Professional Credit Card

  • HDFC Doctors Superia
  • HDFC Teachers Platinum

HDFC Premium Travel Card

  • HDFC Superia
  • HDFC Allmiles

HDFC Premium Women Card

  • HDFC Solitaire

HDFC Premium Credit Card

  • Visa Signature
  • World Master Card
  • HDFC Diners Club Premium Card
  • Diners Club Rewardz Card

HDFC Regular Credit Card

  • HDFC Platinum Plus Card
  • Business Regalia
  • Business Regalia
  • First Card

HDFC Commercial Credit Card

  • Business Money Back Card
  • Business Bharat Card
  • Business Freedom Card
  • Business Platinum
  • Business Gold Card
  • Corporate Platinum
  • Corporate Visa Signature
  • Corporate World Master Card
  • Corporate Card
  • Purchaser Card
  • Distributor Card
  • Business Corporate Money Back Card
  • Business Corporate Regalia Card
  • Central Travel Account

HDFC Cashback Credit Card

  • Platinum Edge Card
  • Titanium Edge
  • Money Back Cards
  • HDFC Bharat Cash Back Card
  • Bharat Card
  • HDFC Freedom Card

HDFC Super Premium Credit Card

There are 5 Super Premium HDFC Credit Cards:

HDFC Bank Infinia Credit Card:

There are limitless benefits with Infinia Credit Card:

  • The minimum limit approved under this card is 10 lakh with a no pre-set spending limit feature.
  • Transactions on the card are safeguarded against frauds, and your interests are protected.
  • It provides you with complimentary Priority Pass membership which will give you access to 1000 plus Airport Lounges globally.
  • You can have a memorable dining experience with a 15% discount at 3000 plus select restaurants with Infinia Credit Card.
  • You can earn 5 reward points for every 150 spent on Infinia Credit Card.
  • Earn 10 reward points for every 150 spent on bookings exclusively on their website, spends on restaurants, flight bookings on airvistara official portal.
  • Points can be accumulated and redeemed for:
    • Travel bookings on HDFC exclusive website, and exclusive gifts from rewards catalogue.
    • You can also convert the points to Air Miles of leading domestic and international airlines.
  • Only eligible retail purchases qualify for the accumulation of reward points. Otherwise, the reward points are valid for 3 years from the date of accumulation. Reward points on fuel transactions cannot be accumulated.
  • Spends on the Air India website are not eligible for accelerated reward points.
  • EMI and e-wallet loading transactions will not accrue reward points.
  • Mark up fee as low as 2% is levied on foreign currency transactions.
  • A convenience fee of 1% on all fuel transactions will be waived.
  • In case of accidental death, Infinia Card holder's nominated next of kin will receive a sum of 3 Crore.
  • Besides the Infinia Cardholder gets international travel cover up to 50 lakh against medical emergencies.
  • The outstanding card balance is covered to an extent to 9 lakh in case of accidental death and permanent disability.

HDFC Regalia Credit Card

  • Regalia Cardholder will get complimentary Airport Lounge access through Priority Pass Membership.
  • Mark up fee is as low as 2% for foreign currency transactions.
  • You can earn 15000 bonus points for spends up to 8 lakh.
  • The card is enabled for contactless payments.
  • Enjoy up to 15% discount on dining at premium restaurants across the country.
  • Earn 4 reward points for every 150 spent which can be redeemed against exclusive gifts and vouchers.

HDFC Regalia First Credit Card

  • The first-year membership fee of 1000 and renewal membership of 1000 will be collected.
  • If you spend 1,00,000 in a year, the membership fee will be waived off.
  • Earn Welcome Benefit of 1000 and renewal benefit of 1000 with Regalia First Credit Card.
  • You will get complimentary access to Airport Lounges with Priority Pass membership.
  • You can accumulate and redeem reward points for free air tickets.
  • Earn 7500 reward points for an annual spend of 6 lakh.
  • Get a discount of 15% on dining at premium restaurants across the country.
  • Earn 4 points for every 150 spent which can be redeemed against exclusive gifts and vouchers.
  • A surcharge of 1% on fuel is waived on a minimum spend of 400 at petrol pumps across the country, subject to maximum of 500 per statement cycle.

HDFC Diners Club Credit Card

  • Get complimentary access to 700 plus Airport Lounges.
  • You can book Air Tickets across 150+ Airlines and get access to choose from select domestic and international hotels.
  • Enjoy 10 X reward points on spends overseas.
  • Enjoy 24 x 7 Concierge Services on HDFC Bank Diners Club Credit Card. Enjoy exciting moments while all your booking needs are taken care of by the concierge.
  • Enjoy 5 reward points for every 150 retail spends.
  • The cap on reward points is only on the accelerated 10 X program.
  • Earn 6 complimentary golf games per quarter around 20 golf courses in India and 40 golf courses world over.
  • The membership fee of 5000 is applicable.
  • Earn welcome bonus points of 5000 and renewal bonus points of 5000 (not applicable if the membership fee is waived off).
  • If you spend 5 lakh in a year, the renewal fee for next year will be waived off.
  • Foreign currency transactions mark-up fee will be charged at 2%.
  • The option of revolving credit is available with 1.99% p.m. interest applicable on the carried over balance amount.

HDFC Diners Club Miles Card

  • The annual membership fee of 1000 will be collected.
  • You can earn 1000 welcome points and 1000 renewal points (not applicable if an annual membership fee is waived off).
  • If you spend 1 lakh in a year, a renewal fee for the next year will be waived off.
  • You can earn 4 reward points for every 150 spend on the card which can be redeemed to miles with leading international and domestic airlines and hotels. (1 reward point = 1 mile)
  • Enjoy 6 complimentary access to 700+ Airport Lounges worldwide in one calendar year.
  • Gift yourself and your family enjoyable dining experience with 15% discount on dining at premier restaurants.
  • You can get Air Accident Cover up to 1 crore, medical emergency expense cover up to 25 lakh, credit liability cover up to 9 lakh, and baggage loss cover up to 50,000. All insurance covers are applicable only for the primary cardholder.
  • Air accident cover gets activated if you book Air Ticket using HDFC Bank Diners Card.

HDFC Co-brand Credit Cards

There are 7 cards offered by HDFC under Co-brand Category. Each card provides varied privileges for different segments.

Jet Privilege HDFC Diners Club Card

  • First-year membership of 10,000 and renewal fee of 5,000 is applicable.
  • On annual spends of 8,00,000 on HDFC Diners Club Card, the renewal fee for next year is waived off.
  • Earn 1500 bonus JP miles on the first swipe of your card within 90 days of card activation and 1500 bonus JP miles on retail spends of 50,000 within 90 days of the activation of the card.
  • Earn complimentary Jet Airways ticket for domestic travel on Jet Airways within India.
  • Earn the benefit of a discount voucher on booking a return ticket for domestic travel on Jet Airways (applicable on Deal Fare choices in economy).
  • Complimentary Airport Lounge access through Visa/ Master Card lounge program.

Jet Privilege HDFC World/ Signature Credit Card

  • Annual membership fee and renewal fee of 2500 is applicable.
  • One-way complimentary Jet Airways ticket (base fare waived) and 7500 bonus JP miles are awarded as Welcome Benefit.
  • Accelerated miles on flights booking and purchases on Jet Airways website.
  • The benefit of dedicated check-in with additional baggage allowance.
  • Complimentary access to international and domestic Airport Lounge.
  • 1 JP Tier point for every 2 lakh spent.
  • Annual spends of 3 lakh waive off renewal fee for next year.

JetPrivilege HDFC Platinum

  • Annual membership and renewal fee of 1000 is applicable.
  • Complimentary one-way Jet Airway ticket (base fare waived) and up to 3000 bonus JP Miles as Welcome Benefit.
  • Accelerated JP miles on air ticket booked on Jet Airways website.
  • 5% discount on base fare for tickets on Jet Airways.
  • Complimentary access to Airport Lounge through Visa/ Mastercard lounge program in India and overseas.
  • The extended validity period of 5 years.
  • Up to 5000 saving on fuel transactions and air tickets.
  • Redeem JP miles on your card for Bookmyshow, Amazon and Flipkart vouchers.
  • Spend 2.5 lakh in a year prior to renewal and get the membership fee waived. Minimum of 4 transactions using the card entails free accidental death insurance cover up to 50 lakh and free fire and burglary protection for goods above 5000 for 180 days.

Jet Privilege HDFC Bank Select/ Titanium

  • First-year annual membership and renewal fee of 500 is applicable.
  • Earn 750 discount voucher as a welcome benefit on return Jet Airways ticket.
  • Earn accelerated miles on flights booked on Jet Airways website and also earn miles on other purchases.
  • A fuel surcharge of 2.5% will be replaced by convenience fee of 1%.
  • Save up to 2500 every year on your fuel transactions and Air Tickets.
  • Spend 1.5 lakh in 12 months before renewal and get a waiver of the renewal fee.
  • Get an extended validity period up to 5 years on JP miles.
  • For minimum 4 transactions using Credit Card every month, you get free accidental death insurance cover up to 50 lakh and free burglary protection of goods above 5000 for 180 days.

Platinum Times Card and Titanium Credit Card

These cards share similar benefits and features except on the saving on fuel charges and the annual membership fee.

  • Annual membership and renewal fee of 1000 is applicable for Platinum Times card and 500 for Titanium Credit Card.
  • Get 25% off on movies and up to 20% off on dining (at participating outlets). This will give you an overall discount of 4000 or more in a year on movie tickets and 9600 or more on dining.
  • You will be showered with a bouquet of discount vouchers as Welcome Gift.
  • You will earn 3 reward points on 150 spent, and 10 reward points on dining spend on weekdays.
  • Save 600 or more in a year using Platinum Times Card and 300 or more using Titanium Credit Card on fuel transactions.
  • Scan QR code on Times Card with your smart phone and access exclusive offers on their website.
  • For a minimum of 4 transactions with the card every month, you get free accidental death cover up to 50 lakh and free burglary insurance on goods valued more than 5000 for 180 days.

Snapdeal HDFC Credit Card

  • Annual membership fee and a renewal fee of 500 is applicable.
  • Earn 2 reward points for every 150 spent on all purchases.
  • Get Snapdeal vouchers worth 2000 as Welcome Benefit.
  • Get a flat 5% discount whenever you shop at Snapdeal.
  • Get 10 X reward points when you shop at Snapdeal and make purchases through SmartBuy.
  • Do minimum 4 transactions per month using the card and get free accidental death cover up to 50 lakh and free fire & burglary protection for goods above 5000 for 180 days.

HDFC Professional Credit Cards

There are two HDFC Professional Credit Cards designed for Doctors and Teachers.

HDFC Doctors Superia

  • Spend 15000 before 90 days from the card activation date and get a waiver of 1st year membership fee.
  • Spend 75000 a year and get a waiver of the next year renewal fee.
  • Earn 1000 reward points as Welcome Benefit.
  • Earn 3 reward points for every 150 spent. You can earn 50% more reward points on dining spends.
  • Get complimentary Priority Pass Membership.
  • E-wallet loading done through the card and easy EMI will not earn reward points.
  • For 4 transactions in a month done using the Credit Card, you will get free accidental death cover up to 50 lakh and free fire and burglary protection for goods above 5000 for 180 days.

HDFC Teachers Platinum

  • For every 150 spent on your card you will earn 2 reward points.
  • 3 X reward points earned on weekend shopping will earn accumulated reward points of 2400 or more in a year.
  • Earn 500 bonus points on special days like Teacher's Day.
  • E-wallet loading and easy EMI will not earn any reward points.
  • There is a cap of 2000 per transaction on the reward points accrued for insurance transactions.
  • You will save 1500 a year on fuel transactions.
  • Zero liability on transactions done after reporting loss of card to the bank.
  • With minimum 4 transactions using the card, you get free accidental death insurance up to 50 lakh and free fire & burglary protection for goods above 5000 for 180 days.

HDFC Premium Travel Credit Cards

HDFC Superia

  • Get a welcome gift of 1000 bonus points on availing membership of this card.
  • Spend 15000 within 90 days of the activation of the card and get a waiver of first membership fee.
  • Spend 75,000 in a year and get a waiver of a renewal fee.

HDFC Allmiles

  • Spend 15,000 within 90 days of the activation of the card and get a waiver of first membership fee.
  • Spend 1,00,000 in a year and get a waiver of the renewal fee.

The following features and benefits are common to both the cards:

  • Reward points will not be accrued for fuel transactions.
  • Enjoy 3 reward points on 150 spent.
  • Get 50% more reward points on dining spends.
  • Avail complimentary Priority Pass Membership and get access to Airport Lounges across the country.
  • Reward points accrued will be reversed if any transaction made with the Card is converted to SmartEMI.
  • There is a cap of 2000 for reward points accrued on insurance transaction.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh besides the fire and burglary protection for goods up to 5000 for 180 days.

HDFC Cash Back Credit Cards

There are 6 cash back cards offered by HDFC. These are amazing cards for earning value back on each transaction. Indeed moneyback and bharat card are the great card picks for the first time cardholders.

Platinum Edge Card, Titanium Edge, and Money Back Cards

Benefits and features for these three cards are similar except that there are a few additional features for Money Back Card.

  • Earn 2 reward points on 150 spent and 50% more reward points on dining spends.
  • E-wallet loading transactions and easy EMI will not accrue reward points.
  • If any retail transaction is converted to EMI, the points accrued for such transaction will be reversed.
  • There is a cap of 2000 for accrued reward points on insurance transactions.
  • You can redeem accrued reward points as cash back to pay Credit Card dues.
  • Liability on the lost card after reporting loss of the card will be exempted.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh along with fire and burglary protection for goods up to 5000 for 180 days.

Additional features and benefits for Money Back Card:

  • On transaction up to 50,000 in a quarter, you get an e-voucher of 500.
  • First annual membership fee and a renewal fee of 500 is applicable.
  • You earn a Welcome Benefit of 500 on enrolling for the card only on realisation of the membership fee.

HDFC Bharat Cash Back Card and Bharat Card

The features and benefits are common for Bharat Cash Back Card and Bharat Card:

  • Enjoy 5% cash back on spends on IRTC/ Bill Payment/ fuel and save up to 3000 with Bharat Cash Back Card and 3600 with Bharat Card.
  • Enjoy 5% cash back on Easy EMI/ Pay Zapp/ Smart Buy.
  • Liability on the lost card after reporting loss will be exempted.
  • Spend 50,000 in a year prior to the renewal and get a waiver of the renewal fee.
  • First annual membership fee and a renewal fee of 500 is applicable.
  • No liability on the unauthorised transaction on the lost card after reporting the loss.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh and fire and burglary protection for goods up to 5000 for a period of 180 days.

HDFC Freedom Card

  • Spends on dining, groceries, movie, Railway, taxi will get 5 X rewards points.
  • Spends on birthday will get 25 accelerated reward points.
  • You can redeem the reward points for cash back or catalogue gifts.
  • Card used for transactions of 90,000 or higher in a year will fetch you gift voucher worth 1000
  • Use the card for up to 50,000 a year and get a waiver of annual membership fee.
  • First membership fee and renewal membership fee of 500 is applicable.
  • No liability on the lost card after reporting loss of the card.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh and fire and burglary protection for goods up to 5000 for a period of 180 days.

Premium Women's Credit Card

HDFC Solitaire- Women's Credit Card

  • Transactions of 75000 in 6 months will earn you shopping vouchers of 1000.
  • You will earn 50% more reward points on grocery and dining spends. Spends on grocery and dining alone will fetch you reward points of 2880 or more in a year.
  • Earn 3 reward points on every 150 spent.
  • Transaction for loading e-wallet and easy EMI will not get reward points.
  • There is a cap of 2000 on reward points for insurance transactions.
  • You can earn cash back of more than 2000 on reward points earned on the expenditure of 5 lakh on your card.
  • Liability occurred on the lost card after reporting loss will be exempted.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh and fire and burglary protection for goods up to 5000 for a period of 180 days.

HDFC Premium Credit Cards

There are 4 premium cards offered by HDFC:

Visa Signature and World Master Card

Most of the features and benefits are common for both the cards, wherein the World Master Card comes with additional benefits and privileges.

The common features and benefits are:

  • Share the joy of owning Credit Card with family members by availing the facility of 3 Add On cards for the family.
  • Transactions for loading e-wallet and easy EMI will not earn any reward points.
  • Accrued reward points will be reversed if such retail transaction is converted to EMI.
  • There is a cap of 2000 for reward points earned with each insurance transaction.
  • Get access to Airport Lounges across India and overseas.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh and fire and burglary protection for goods up to 5000 for a period of 180 days.

Additional features for World Master Card

  • 2 reward points on every 150 spent
  • 50% additional points for incremental spends above 75,000 in a statement cycle.
  • Spend 15000 within 90 days from the date of activation of the card and get a waiver of the first-year fee and get a waiver of renewal fee by spending 75,000 in a year before renewal.
  • You can save up to 8300 every year on Airport lounge access and fuel transactions.

HDFC Diners Club Premium Card and Diners Club Rewardz Card

The features and benefits for both the cards are common and are listed below:

  • You can book air tickets & hotel reservations across 150+ Airlines and select hotels (both domestic and international) at their exclusive website.
  • Earn 4 reward points for every 150 spend on Diners Club Premium Card and 3 reward points for every 150 spent on Diners Club Rewardz Card.
  • Redeem reward points for booking air tickets and hotel reservations. 1 reward point = 0.50 Mile for Diners Club Premium Card and 1 reward point = 0.30 Mile for Diners Club Rewardz Card.
  • You can enable your card for international usage and even upgrade your international daily limit using internet banking.
  • Get access to over 700+ Airport Lounges worldwide in a Calendar Year.
  • You can book a concierge for your travel needs.
  • Annual membership fee and a renewal fee of 2500 applicable for Diners Club Premium Card and 1000 for Diners Club Rewardz Card.
  • You will get Welcome Benefit and Renewal Benefit of 2500 for Diners Club Premium Card and benefit of 1000 for Diners Club Rewardz Card.
  • By spending 3 lakh on Diners Club Premium Card in one year you can get a waiver of the renewal fee and by spending 1 lakh on Diners Club Rewardz card you get a waiver of the renewal fee.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh and fire and burglary protection for goods up to 5000 for a period of 180 days.

HDFC Regular Credit Cards

HDFC Platinum Plus Card

The features and benefits of HDFC Platinum Plus Card are:

  • You earn 2 reward points for 150 spent on the card.
  • 50% more reward points are given for incremental amount spent over and above 50,000 in a billing cycle.
  • You are eligible for 3 Add On cards. There will be no accumulation of points on e-wallet loading and EMI transactions.
  • Reward points will be reversed if the retail transaction is converted to EMI.
  • A cap of 2000 points per transaction on insurance transactions is stipulated.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh and fire & burglary protection for goods up to 5000 for a period of 180 days.

HDFC Commercial Credit Cards

There are 14 Cards offered for businesses and SMEs:

Business Regalia, Business Regalia First Card and Business Money Back Card

The features and benefits are common for all these three cards:

  • Earn 4 reward points for every 150 spent and 40 reward points for every 150 spent on participating merchant partners on Business Regalia First and Business Regalia cards. Earn 2 rewards points for every 150 spent and 20 rewards points for every 150 spent on participating merchant partners using Business Money Back Card.
  • Earn 5% cash back on business spends on telecom, electricity bill, hotel reservation, railway booking, dining, and taxi for all 3 cards.
  • Petrol surcharge waiver up to 6000 per year for Business Regalia and Business Regalia First Card.
  • Get access to 12 Airport Lounges using Visa/ Master Card Program on Business Regalia Card and access to 8 Airport Lounges using Business Regalia First Card.
  • Earn 15000 bonus points on 8,00,000 spent in a year on Business Regalia Card and 2500 reward points for spending 1,80,000 a year on Business Money Back Card.
  • Get access to 6 international Airport Lounges with Business Regalia Card and 3 Airport Lounges using Business Regalia First Card. No such facility is extended to Business Money Back Card Holders.
  • Mark up fee as low as 2% will be charged for foreign currency transactions using Business Regalia and Business Regalia First Cards.
  • You can avail travel concierge services for your travel needs for Business Regalia and Business Regalia First Cards.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh and fire and burglary protection for goods up to 5000 for a period of 180 days for all 3 cards.

Business Bharat Card

The features and benefits of the HDFC Business Bharat Card are:

  • Earn 5% cash back on IRTC/ Bill payment/ fuel and Easy EMI/ Pay Zapp/ Smart Buy up to a maximum of 150
  • Liability on the lost card after reporting loss is exempted.

Business Freedom Card

The features and benefits of Business Freedom Card are:

  • Earn 5% cash back on Movies, dining, supermarket, bill payment, and taxi, subject to 150.
  • Earn 5% cash back on Easy EMI, Pay Zapp, Smart Buy up to 150.
  • No liability on the lost card after reporting the loss.
  • For a minimum of 4 transactions in a month, you get free accidental death insurance up to 50 lakh and fire and burglary protection for goods up to 5000 for a period of 180 days for all 3 cards.

Business Platinum

The features and benefits are:

  • Enjoy 1% cash back for all retail spendings on 50,000 minimum statement balance and 0.5% cash back on balance of 10,000
  • Cash back not valid for wallet upload, fuel transactions, and international spends.
  • Get 1% cashback on overseas spends of 10,000 or more in a month/ statement cycle.
  • Fuel surcharge waived on transactions of 400 to 5000. Maximum waiver of 500 per bill cycle.
  • Get access to domestic Airport Lounges.
  • Liability on lost card after report of loss exempted.

Business Gold Card

The features and benefits of HDFC Business Gold Card are-

  • Enjoy secure EMI facility for all your buys on this Credit Card.
  • Register for Smart Pay and note a Standing Instruction on the Business Gold Card to pay utility bills and get the benefit of free credit period and cash back as applicable for your card.

Other cards under this category are -

  • Corporate Platinum
  • Corporate Visa Signature
  • Corporate World Master Card
  • Corporate Card

The benefits and features for all the four cards are common:

  • These cards come with a unique 24 X 7 Expense Management Solution powered by Master Card Smart Data Online or Visa Intel-link solutions. Up to 60 MIS reports are available for better-informed business solutions.
  • It helps in minimising paperwork and in simplifying reconciliation and compliance tasks.
  • Earn 3 reward points for every spend of 150 for Corporate Platinum Card and 2 reward points for Corporate Visa Signature and Corporate World Master Card and 5 rewards points for Corporate Card.
  • Reward points will be subject to maximum 6000 per statement cycle.
  • Redeem rewards points for miles against leading international and domestic Airlines and select hotels.
  • Reward points are valid for 2 years.
  • Get access to Airport Lounges in India and overseas with Corporate Card.
  • Get 10X rewards points on participating merchant partners using Corporate Card
  • Corporate Card has worldwide acceptance.

Purchaser Card

The features and benefits of the HDFC Purchaser Card are:

  • Make vendor payments through Purchaser Card to address high volume low purchase Issues.
  • With various TIDs and MCC restrictions, it enables loop payment ecosystem.
  • The cash withdrawal facility is restricted on Purchase Card.
  • Reduces the cost of high volume and low-value transactions and also reduces processing time.
  • Enables Account Management Control.
  • Reduces the cost of goods by consolidating supplier and negotiating favourable pricing from preferred suppliers.

Distributor Card

The features and benefits of the HDFC Distributor Card are:

  • Helps in managing fund flow.
  • Reduces receivable period.
  • Speeds up turnaround time of transactions by eliminating the use of cheques and cash.

Business Corporate Money Back Card

The features and benefits of Business Corporate Money Back Card are:

  • Earn 2 reward points on 150 spent and 2 X reward points on business-related spends.
  • Get fuel surcharge waiver up to 250 for every billing cycle.
  • Liability on the lost card after report of loss is exempted.

Business Corporate Regalia Card

The features and benefits are-

  • Get complimentary access to Airport Lounges through Priority Pass Membership.
  • Get free Club Vistara Silver Membership.
  • Mark up fee as low as 2% for foreign currency transactions.
  • Avail minimum of 15% discount on dining at leading five-star hotels.
  • Earn 4 reward points for every 150 spent and redeem for exclusive lifestyle options.

Central Travel Account

The features and benefits of Central Travel Account (CTA) are-

  • It allows centralised approval and payment.
  • You can ensure travel policy compliance by lodging a CTA with a travel agent.
  • More visibility with the consolidated statement and enhanced data.
  • Extended payment term of 50 days is available.
  • Payments to Airline, Hotel and other travel services to be paid by CTA.
  • No cash withdrawal for CTA.

Some common features of HDFC Bank Credit Card

  • Annual fees and renewal fees will vary for each cardholder depending on the card held and will be informed at the time of applying for the card.
  • Credit-free period up to 50 days is available. If the cardholder opts for revolving payment, then an interest as low as 1.9% p.m. will be applied on the balance carried forward.
  • Cash withdrawal charges at 2.5% of the amount withdrawn with a minimum of 500 will be collected.
  • Limit on the Credit Card will be fixed by HDFC bank based on several criteria and the limit has to be shared among the Add On members as well. The same will be informed to the cardholder at the time of delivering the card.
  • If the card is used beyond the limit, 2.5% of the overlimit will be charged for all cards except Infinia.
  • A late fee ranging from 100 to 750 is applied per statement cycle for the card dues not paid in accordance to the due date.

Why and How to Apply for HDFC Bank Credit Card from MyMoneyMantra?

MyMoneyMantra is a one-stop solution for all financial requirements. You can apply for the HDFC Bank Credit Card through MyMoneyMantra to make the whole process seamless and easy. MyMoneyMantra will take care of all the steps required after filling the application online.

To access this ease of availing a card, make use of the digital platform provided by MyMoneyMantra.

Apply for the card by following some simple steps-

  • To begin with, register as a user on MyMoneyMantra website.
  • An OTP is sent to you to verify your identity and contact details.
  • Login and choose the Credit Card menu. Select the card you intend to apply for and submit.
  • Fill in all the relevant information required for applying for a Credit Card.
  • Once the filling of the application is complete and the process is initiated, the representative of MyMoneyMantra will contact you and guide you through the process of documentation and assist you till the approval.
  • On approval, the card will be dispatched to your address. Card and the pin will be despatched separately.

Documents required for HDFC Bank Credit Card

For Salaried employees

  • 2 photographs of the applicant in passport size.
  • ITR records from the last two years.
  • Proof of identity such as the applicant's Passport/ PAN Card/ Voter ID/ Driving License
  • Proof of Residential Address such as Registered Rent Agreement/ Leave and License/ Utility Bill of at least three months/ Passport.
  • Proof of Income such as last six months' salary slip, Form 16 of two years, Bank statement of previous six months (that reflects salary is credited or EMI is debited).

For Self-Employed

  • 2 photographs of the applicant in passport size.
  • Proof of identity such as the applicant's Passport/ PAN Card/ Voter ID/ Driving License
  • Proof of Residential Address such as Registered Rent Agreement/ Leave and License/ Utility Bill of at least three months/ Passport
  • Proof of Business like - GST/ Service Tax Registration/ company's incorporation details/ Address proof of the business/ accounts and balance sheets showing profit and loss statements which have been certified by a CA/ the proof of the business' existence/ a copy of the partnership deed and business profile

Eligibility for HDFC Bank Credit Card Loan

HDFC Bank like any other lending institution has set eligibility criteria for availing the Credit Card facility.

  • The applicant can either be salaried or self-employed.
  • Applicant should be in the age group between 21 years to 60 years if salaried or between 21 years to 65 years if self-employed.
  • Should have a stable income.
  • Applicant should submit income proof, address proof, business proof, and Photo ID
  • Credit score should be above 750

Frequently Asked Questions - HDFC Credit Card

How do I check the status of my Credit Card application?

Ans: It is completely hassle-free to check the status of your Credit Card application. If you are an existing HDFC customer, log on to the bank's website. Enter the 16-digit application reference number and verify the inputs with your date of birth or mobile number. You will instantly be updated about the status of the application.

How do I change the address for my HDFC Credit Card?

Ans: You can change the address by sending an e-mail to the bank. Alternatively, you can process the request on the portal.

Can I stop card statements from coming to my postal address?

Ans: For a change in address of correspondence, download the physical statement suppression MID form from the official HDFC website. You are required to duly fill it, sign it, and send it to the following address:

HDFC Bank Cards Division,

O. Box No. 8654,

Thiruvanmiyur, Chennai- 600 041

What should I do when my card is lost or stolen?

Ans:  Follow these steps in case of loss or theft of card:

  1. Call customer care service at 1800 266 433 and report the loss of card. It is a 24X7 facility.
  2. Log on to net banking account and report the missing card and hotlist your card.

What to do when an unauthorised transaction is made on my lost card?

Ans: You can report unknown Credit Card transaction 'not done by you' by calling customer care number: 18002586161

Also, keep the following details handy before reporting unauthorised transactions:

  • 16 digit Credit card number
  • Type/ nature of transaction
  • Date of transaction
  • Transaction amount

How can I contact HDFC Credit Card customer care?

Ans: You can contact HDFC Credit Card Customer Care for your queries and complaints using the following methods:

  • Email
  • Call
  • Visiting the branch
  • Post

In most cases, it takes maximum of10 working days to respond to the query. Beyond this timeline, you can escalate the query.

Can I avail Loan on my HDFC Credit Card?

Ans: Your HDFC Credit Card empowers you to raise a quick loan against your Credit Card limit without any hassle. Thus your card makes you credit-ready in case of financial emergency or cash lapse situations. You can use any of the following loan facilities:

HDFC Insta Loan: It is an instant loan that is credited to your HDFC Bank account within a few seconds.

HDFC Bank Insta Jumbo Loan: This facility allows you to avail the loan without filling any form. You can request the same online.

HDFC Balance Transfer on EMI: Your card facilitates to transfer your card balance at attractive rate of interest. You can opt for low EMIs without any hassle of documentation. It is a quick and easy method to clear your outstanding card amount, through a BT to your Credit Card.

HDFC Smart EMI: With Smart EMI, you can conveniently turn your card purchase into easy EMIs.

How do I redeem my accumulated rewards points on HDFC Credit Card?

Ans:  To redeem your earned rewards points either download the 'Rewards Redemption Form' from the HDFC website & send it by post; or apply for the same through NetBanking.

It is extremely convenient to apply for the same online. Login to NetBanking and register your card, if not registered previously. Once the card is registered, click on "Redeem Reward Points" for Online Redemption. Now select the points range and item category and choose the items in the catalogue.

You can also redeem your points to pay the balance on your card.

Can reward points on my HDFC Credit Card expire?

Ans: Yes. Reward points on your card expire. The points are valid for 2 years only. Premium HDFC Credit Cards such as HDFC Diners Club Black Credit Card offer an extended validity of 3 years.

What are the different modes of payment for my card bill?

Ans: You can pay your credit card bills through any of the following channels: 

  1. Net Banking
  2. HDFC Bank Mobile Banking Apps
  3. HDFC Bank Mobile Banking through Browser
  4. ATM Funds Transfer
  5. NEFT/ Visa Money Transfer
  6. Autopay/ Standing Instructions
  7. Over the counter Cash Payment
  8. Cheque Payment

OTP is sent to your mobile number

Enter OTP

Resend OTP

×

Get Personal Loan up to 40 Lakh Chat
& get instant approval