HDFC Credit Card Overview

HDFC Bank offers an array of credit cards for various segments. From luxury travel cards, moneyback cards, reward cards to lifestyle and shopping cards, you can choose the Best HDFC Credit Card in Indian that is perfectly suited for your needs.

10 Most Popular HDFC Credit Cards

Name of the Card Annual Fee Type of Card 
HDFC Regalia Rs.2500+GSTLuxury Travel Card 
HDFC Regalia Rs.1000+GSTTravel Credit Card
HDFC MoneyBackRs.500+GSTShopping and Cashback
HDFC Millenia Rs.1000+GSTShopping and Cashback
HDFC Diners Club Black Rs.5000+GSTLifestyle and travel 
HDFC Platinum Plus Card Rs.399+GSTShopping and Rewards
HDFC Business Platinum Credit Card Rs.299 +GSTCorporate 
HDFC Solitaire Credit Card Rs.500+GSTAn exclusive card for women
HDFC Freedom Rs.500+GSTShopping and Rewards
HDFC Titanium Times CardRs.500+GSTShopping and Rewards 

Features & Benefits of HDFC Credit Card

Features 

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  • Cash withdrawal charges at 2.5% of the amount withdrawn with a minimum of Rs. 500 will be collected.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 Rs. 100 to Rs. 750 is applied per statement cycle for the card dues not paid in accordance to the due date.

Benefits

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

How to Apply for an HDFC Credit Card 

  • Click on the ‘Apply Now’
  • Compare various HDFC Credit Card offers to find the best one for you.
  • Submit an online application form for the card that you have chosen along with some personal details and HDFC Credit Card Document.

If you fulfill the HDFC Credit Card Eligibility, the card will be issued to you after it is approved.   

Eligibility to Apply for a HDFC Credit Card?

HDFC Bank has set the following eligibility criteria for availing its 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.

Fee & Charges of HDFC Credit Card

Here is a list of service charges associated with your HDFC Credit Card. However, the fees and charges may vary between different types of cards. You can call HDFC Credit Card Customer Care for complete details. 

Type of ChargesCharges Details
Interest Free PeriodUp to 50 days
Interest Rate3.49% per month
Additional Card FeeFree
Cash advance fees2.5% of the amount
Cash processing feeRs. 100
Reward redemption feeRs. 99 per request
Foreign currency transactions Charges3.50%
Balance transfer charges1% of the amount or minimum Rs. 250
Reissuance feeRs. 100
Payment return Fee2%
Cash advance limit40% of the credit limit
Overlimit Charges2.50% of the overlimit amount
Card Replacement ChargeRs. 100

Documents Required for HDFC Credit Card Application

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.

How to Pay HDFC Credit Card Bill Online 

You can make payments towards your HDFC Credit Card using different options: 

  • Netbanking: Use your credit card number as the beneficiary account number to transfer funds.
  • Mobile Banking: Download the HDFC mobile banking app and make payments from your smartphone.
  • Cheque: Drop a cheque at any HDFC collection centre at least 10 days before the due date.

Cash: Make a cash payment towards the loan at your nearest HDFC branch. 

How to use HDFC Credit Card (Tips & Advice) 

To make the best HDFC Credit card use, here are some simple tips: 

  • Pay the full outstanding amount on or before your due date.
  • Avoid using your HDFC Card to make cash withdrawals unless it is an emergency.
  • Do not use the full available credit each month as it reflects poorly on your CIBIL report.
  • Do not make minimum payments as it is the easiest way to get entangled in credit card debts.
  • Use your credit card only when required. Or make sure you keep track of the payments made using your card.
  • Never disclose your credit card details to anyone over email, SMS, or phone calls.

Balance Transfer: How to use the BT feature and what are the Benefits?

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 NetBanking & Click CardsCredit CardsTransactBalance Transfer On EMI. You can also call HDFC’s PhoneBanking round the clock.

View and improve your credit score - for free.

Know how good your score is

Get insights on how to improve it

Unlock offers as per your score

chart_15f235bf64.svg

The best offers from India’s most
trusted banks

small_thumbnail_RBL_6b392954d3_621e694196.png
small_SBI_Bank_8169128416.png
small_Axis_bank_2a1ecf5c80.png
HDFC-Bank.png

Best Rewards Credit Cards

Earn max rewards & redeem for cash back, value back offers, discounts & exclusive deals.

HDFC Bank Credit Cards FAQs

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

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?

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?

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?

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

  • Call customer care service at 1800 266 433 and report the loss of card. It is a 24X7 facility.
  • 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?

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?

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?

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?

  • 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?

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.

✅ How to Activate HDFC Credit Cards Online?

  • Log on to the HDFC Bank Net Banking website. 
  • Enter your PIN and customer ID
  • Under the Requests option in the HDFC Credit Cards section, choose ‘Credit Card ATM PIN’
  • Select the card that you wish to set the PIN for 
  • Once you set the PIN, your card is activated.

✅ Is BillDesk safe for HDFC Credit Card Payment?

Yes. BillDesk is a safe and reliable payment desk that you can use to make payments towards your HDFC Credit Card bills.