Here's the list of Best HDFC Credit Card types with their annual fees.
|Name of the Card||Annual Fee||Type of Card|
|HDFC Freedom||Rs.500+GST||Shopping and Rewards|
|HDFC Indian Oil Credit Card||Rs 500+GST||Fuel Credit Card|
|HDFC Infinia Credit Card||Rs 12,500+GST||Infinia Metal Edition Credit Card|
|HDFC MoneyBack||Rs.500+GST||Shopping and Cashback|
|HDFC Millenia||Rs.1000+GST||Shopping and Cashback|
|HDFC Diners Club Black||Rs.5000+GST||Lifestyle and travel|
|HDFC Regalia||Rs.2500+GST||Luxury Travel Card|
|HDFC Platinum Plus Card||Rs.399+GST||Shopping and Rewards|
|HDFC Business Platinum Credit Card||Rs.299 +GST||Corporate|
|HDFC Solitaire Credit Card||Rs.500+GST||An exclusive card for women|
The Benefit of HDFC Credit Cards are a lot, however, the most popular cards among each segment of users because of the following reasons:
The HDFC Bank customers gets lot of benefits. They can also open a saving account or apply for personal loan with new feature of HDFC Bank video KYC where a customer can verify his/her identity digitally.
If you fulfill the HDFC Credit Card Eligibility, the card will be issued to you after it is approved.
The HDFC Bank has set the following eligibility criteria for availing its Credit Card facility:
Additional Reading: Check Credit Bureau of India
Here is a list of service charges associated with your HDFC Credit Card. However, the fees and charges may vary because of different HDFC Credit Card types. You can call HDFC Credit Card Customer Care for complete details.
|Type of Charges||Charges Details|
|Interest Free Period||Up to 50 days|
|Interest Rate||3.49% per month|
|Additional Card Fee||Free|
|Cash advance fees||2.5% of the amount|
|Cash processing fee||Rs. 100|
|Reward redemption fee||Rs. 99 per request|
|Foreign currency transactions Charges||3.50%|
|Balance transfer charges||1% of the amount or minimum Rs. 250|
|Reissuance fee||Rs. 100|
|Payment return Fee||2%|
|Cash advance limit||40% of the credit limit|
|Overlimit Charges||2.50% of the overlimit amount|
|Card Replacement Charge||Rs. 100|
Additional Info: Check HDFC Credit Card Net Banking in detail.
Also read How To Use Credit Card in India.
You can make payments towards your HDFC Credit Card using different options:
To make the best HDFC Credit card use, here are some simple tips:
With HDFC Balance Transfer on EMI facility provided by HDFC Bank, you can easily transfer your other bank’s credit card balance to HDFC 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. Pay EMIs as low as Rs. 27 per Rs. 10,000 and repay in easy instalments of 9 to 48 months.
You can check your eligibility for this facility by logging into HDFC Net Banking & Click Cards → Credit Cards → Transact → Balance Transfer On EMI. You can also call HDFC’s PhoneBanking round the clock.
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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.
You can change the address by sending an e-mail to the bank. Alternatively, you can process the request on the portal.
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
Follow these steps in case of loss or theft of card:
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:
You can contact HDFC Credit Card Customer Care for your queries and complaints using the following methods:
In most cases, it takes maximum of10 working days to respond to the query. Beyond this timeline, you can escalate the query.
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:
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.
Yes. BillDesk is a safe and reliable payment desk that you can use to make payments towards your HDFC Credit Card bills.