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Top HDFC Credit Cards in 2020

  • HDFC Regalia - Shopping | ★★★★
  • HDFC MoneyBack - Reward Points | ★★★
  • HDFC Diners Club Black - Travel | ★★★
  • HDFC Millennia - Cashback | ★★★
  • HDFC Regalia First- Travel | ★★★
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Updated: 23-09-2020 14:33:10 PM

HDFC Bank is India’s largest credit card issuer and offers 40+ credit cards that cater to the varying lifestyle needs and spending habits of consumers. With so many options available, it can get confusing to find the best HDFC Credit Card for you.

To help you choose the most suited credit card from HDFC, here we have listed the Top 10 HDFC Credit Cards along with the annual fee and minimum income requirement. We advise you to read about each card in detail, check the eligibility criteria and compare it with other cards available from HDFC and other banks to make the right decision.

Top 10 HDFC Credit Cards in India for 2020

Credit CardAnnual Fee (in Rs.)Best Suited ForMinimum Income Required*
HDFC Regalia Credit Card2,500Shopping & TravelRs. 90,000 p.m.
HDFC MoneyBack Credit Card500Rewards & ShoppingRs. 13,500 p.m.
HDFC Millennia Credit Card1,000CashbackRs. 25,000 p.m.
HDFC Titanium Times Credit Card500Movies & DiningRs. 15,000 p.m.
HDFC Platinum Times Credit Card1,000Movies & DiningRs. 30,000 p.m.
HDFC Diners Clubmiles Credit Card1,000TravelRs. 30,000 p.m.
HDFC Diners Club Rewardz Credit Card1,000RewardsRs. 30,000 p.m.
HDFC Diners Club Black Credit Card10,000TravelRs. 1,75,000 p.m.
HDFC IndianOil Credit Card500FuelRs. 10,000 p.m.
HDFC Diners Club Privilege Credit Card2,500Shopping & TravelRs. 40,000 p.m.

*Minimum income shown above is only for salaried applicants. Income and other eligibility criteria may vary for self-employed individuals.

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HDFC Bank Credit Card Loan Restructure Facility

RBI has directed banks and financial institutions to extend loan restructuring facility to those cardholders who are facing financial difficulties because of the pandemic and thus cannot clear their card dues. Following this directive, HDFC Bank has started offering loan restructure facility to its customers.

More details on HDFC Bank Credit Card Loan Restructure facility, including eligibility criteria, can be found here.

 

HDFC Credit Card Eligibility Criteria

Though income requirement varies from card to card, some common criteria that everyone should meet in order to be eligible for HDFC credit cards are shown in the table below:

CriteriaDetails
Age21-60 years (for salaried)
21-65 years (for self-employed)
OccupationAvailable to both Salaried and Self-employed
Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here for the list of acceptable documents

How to check eligibility online?

You can find HDFC credit cards you may be eligible for by providing your occupation and income details on bank website. You can also select from the list of card categories such as lifestyle, travel, entertainment, etc.

Check HDFC credit card eligibility on Paisabazaar.com

To check your eligibility for HDFC credit cards, click here.

  • Enter the details as asked and then filter the results by selecting HDFC Bank
  • Now, you can see all HDFC credit cards that you may be eligible for along with the chances of approval* for each card
  • Choose a card and click on the ‘Check eligibility’ button
  • You will now have to enter a few more details to check whether you are qualified for the selected HDFC Card

*You are more likely to be eligible for a card where your chances of approval are ‘excellent’.

Types of Credit Cards offered by HDFC Bank

HDFC Credit Cards, like credit cards from most banks, have been designed to meet the lifestyle needs of different customer segments. We have divided the best HDFC Cards available today into various categories basis their features and fees to help you choose your ideal Credit Card.  Top credit card categories offered by HDFC include super-premium, premium, cashback, travel, lifestyle, entertainment, fuel, EMI and business.

HDFC CREDIT CARD CATEGORIES

Lifestyle Credit Cards
Travel Credit Cards
Rewards & Cashback Cards

Entertainment Credit Cards
Fuel Credit Cards
Premium Credit Cards

Lifestyle Credit Cards from HDFC Bank

Credit cards that fulfil almost all of your lifestyle needs and offer all-round benefits are generally categorized under lifestyle credit cards. You would get reward points/cashback for card usage, complimentary access to certain programs and a convenient and rewarding alternative to cash. Below are some popular lifestyle credit cards from HDFC Bank.

HDFC Regalia Credit Card

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Welcome Benefit- Complimentary Zomato Gold Membership for 1 year

Lounge Access- Get the following airport lounge benefits on your Regalia Credit Card:

  • 12 complimentary domestic lounge access per year via Visa/Mastercard
  • Complimentary Priority Pass Membership with 6 free visits per calendar year

Reward Points- 4 reward points per Rs. 150 spent on all retail spends except fuel

Milestone Benefits- Reach spending milestones and get rewarded:

  • 10,000 reward points on spending Rs. 5 Lakh in a year
  • Additional 5,000 reward points on spending Rs. 8 Lakhs in a year

Reward Redemption- Accumulate rewards and redeem them against any of the following:

  • Premium products and vouchers from the rewards catalogue
  • Flights and hotel bookings (up to 70% of the booking value)
  • Exclusive reward redemption portal for Regalia users

Concierge Service- 24×7 assistance with your travel, shopping and business needs. Call on the toll-free number 1860 425 1188.

Who should get this card?

HDFC Regalia Credit Card offers benefits across multiple categories including shopping, travel, dining and rewards. You should consider getting this card if:

  • You are willing to pay Rs. 2,500 annual fee (as there are no waiver conditions)
  • You are a big spender and would be able to make the most of its milestone benefits
  • You would want a card with limited benefits across multiple categories than one focused on only one feature

If you would like to explore more cards with such all-round benefits, consider these:

SIMILAR LIFESTYLE CREDIT CARDS
SBI Card PRIMEYES FIRST Preferred Credit Card
Priority Pass Membership with 4 complimentary visits in a year
Read more about this card		20,000 bonus reward points on spending Rs. 7.5 Lakh in a year
Read more about this card

HDFC Diners Club Privilege Credit Card

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Membership Privileges- Complimentary membership to Zomato Gold, Amazon Prime, MakeMyTrip Double Black, Times Prime and Big Basket Star. These memberships can be availed upon spending Rs. 75,000 or more in the first 90 days.

Airport Lounge Access- 12 complimentary visits in a year to 700+ airport lounges in India and abroad.

Reward Earning- 4 reward points per Rs. 150 spent. 2X rewards on dining.

Reward Redemption- Redeem rewards against the following:

  • Hotel and flight tickets booking up to 70% of the booking value (1 point = Re. 0.50)
  • Avios, Intermiles or KrisFlyer Miles (1 Reward Point = 0.5 Airmile)

Lifestyle Benefits- Discounts on spas, salons, gym and doctor consultation

Golf Program- 2 complimentary golf games per quarter globally

Milestone Benefit- Reach spending milestones and avail the following benefits:

  • Spend Rs. 5 Lakh in a year and renew all your complimentary memberships
  • Spend Rs. 40,000 in a calendar month and get 1 voucher worth Rs. 500 from BookMyShow, TataCLiQ or Ola Select membership

Low Forex Mark-up Fee- Pay only 1.99% mark-up fee on all your spends in foreign currency

Who should get this card?

HDFC Diners Club Privilege Credit Card offers quite a rewarding experience to its users across all categories. You should apply for this credit card if:

  • You would be able to make the most of all complimentary memberships
  • You are fine with Rs. 2,500 annual fee
  • You make foreign currency spends and would like to save on the mark-up fee

However, if you are willing to pay a higher annual fee for better benefits, here are two cards for you to compare:

SIMILAR LIFESTYLE CREDIT CARDS
SBI Card ELITEStandard Chartered Ultimate Credit Card
Membership to Priority Pass Program and Club Vistara Silver Program
Read more about this card		Access to 20 premier golf courses in the country & 100+ golf courses globally
Read more about this card

Rewards Credit Cards from HDFC Bank

Here we have listed HDFC credit cards that offer generous rewards on all your spends with multiple ways to redeem them. Also, the list covers low-fee credit cards so that you can make the most of these rewards without having to pay a high annual fee for it.

HDFC MoneyBack Credit Card

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Reward Points- 2 reward points per Rs. 150 spent. 4 reward points per Rs. 150 on online shopping

Cashback- Redeem your reward points for cash credit into your statement (100 points = Rs. 20)

Fuel Benefit- Save up to Rs. 250 in a billing cycle with complete fuel surcharge waiver

Milestone Benefit- Spend Rs. 50,000 in a quarter and get Rs. 500 e-voucher

Who should get this card?

HDFC MoneyBack is a suitable credit card for beginners because of a comparatively lower income requirement and low annual fee. You should apply for this card if:

  • You prefer shopping online
  • You want a low-fee card with limited features
  • You would prefer the option to convert reward points into cash

Given below are two similar cards for you to compare and choose.

SIMILAR CREDIT CARDS
ICICI Coral Contactless Credit CardHSBC Smart Value Credit Card
Earn 2 PAYBACK Points per Rs. 100 spent
Read more about this card		3X rewards on online, dining and telecom categories
Read more about this card

HDFC Diners Club Rewardz Credit Card

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Welcome and Renewal Benefit- Get 1,000 bonus Reward Points on payment of joining and renewal fee every year

Reward Points-  Earn 3 reward points for every Rs. 150 spent on retail. Get 10X rewards when shopping with partner brands

Reward Redemption- Redeem rewards to get products and vouchers from the rewards catalogue. Also, use points to book flight tickets and hotel stays up to 70% of the booking value

Travel Benefits- Get exclusive benefits with travel partners including MakeMyTrip, Goibibo, Redbus, Uber and more. Convert reward points into air miles of Air India, Singapore Airlines and Intermiles.

Low Forex Mark-up Fee- Pay only 2% mark-up fee on foreign currency spends

Who should get this card?

HDFC Diners Club Rewardz Credit Card would be a suitable option for you if:

  • You put most of your expenses on credit cards and would be able to earn maximum rewards
  • You would prefer travel benefits against reward points
  • You are willing to pay an annual fee of Rs. 1,000
SIMILAR REWARDS CREDIT CARDS
American Express Membership Rewards CardStandard Chartered Platinum Rewards Credit Card
Earn 4,000 bonus reward points as welcome benefit
Read more about this card		Earn 5X reward points on hotel, fuel and dining spends
Read more about this card
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Cashback Credit Cards from HDFC Bank

Listed below are HDFC credit cards that offer direct cashback on all your spends. These cards are suitable for those who prefer simpler value back on the cards instead of earning rewards and then redeeming them.

HDFC Millennia Credit Card

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Cashback- Earn cashback on all your spends:

  • 5% cashback on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp
  • 5% cashback on all online spends over Rs. 2,000
  • 1% cashback on all offline spends and wallet reloads above Rs. 100

Lounge Access- 8 free domestic lounge accesses per year

Welcome Benefit- Rs. 1,000 gift vouchers each on spending Rs. 1 Lakh per quarter in the card’s first year

Dining Offers- Discounts and offers through Good Food Trail Dining program

Who should get this card?

HDFC Millennia Credit Card is well suited for those who:

  • Frequently shop online on Amazon and Flipkart
  • Prefer online spending across other categories as well
  • Will be able to spend Rs. 1 Lakh in a quarter to capitalize on the milestone offer
SIMILAR CASHBACK CREDIT CARDS
Amazon Pay ICICI Bank Credit CardFlipkart Axis Bank Credit Card
5% cashback on Amazon for PRIME Customers and 3% for non-Prime users
Read more about this card		5% cashback on Flipkart, Myntra and 2GUD without any monthly cap
Read more about this card

HDFC EasyEMI Credit Card

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EasyEMI Facility- Any transaction made above Rs. 10,000 will be automatically converted into EMIs for 9 months

Cashback- Earn cashback on all your spends at the rates shown below:

  • 5% cashback on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp
  • 5% cashback on all online spends over Rs. 2,000
  • 1% cashback on all offline spends and wallet reloads above Rs. 100

Dining Discount– EasyEMI credit card comes with some dining privileges, which are:

  • Up to 40% discount on Weekend Fine Dining
  • Up to 20% discount on Premium dining applicable for all days
  • Get up to 30% discount on Chef specialty restaurants
  • 25% discount on Buffet service
Who should get this card?

This card offers auto-EMI facility and hence is best-suited for those who want to make big-ticket purchases and pay for them over an extended period. Since the card charges a low annual fee and requires a minimum income of Rs. 10,000, it is also good for beginners.

However, if you wish to explore more cards like this, refer to the two cards below:

SIMILAR CREDIT CARDS
Kotak Feast Gold Credit CardAxis My Zone Credit Card
Earn 10 Dining Points per Rs. 100 spent on dining when total spends on dining and movies reach Rs. 5,000
Read more about this card		Avail 25% cashback on movie tickets booked via Paytm. Also, earn 4 Reward points for every Rs. 200 spent.
Read more about this card

HDFC Bharat Credit Card

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Cashback- 5% cashback on fuel spends, IRCTC railway bookings, groceries, mobile recharges and bill payments

Fuel Surcharge Waiver- 1% fuel surcharge waiver on minimum transaction of Rs. 400

Platform Benefits- 5% cashback on EasyEMI, PayZapp and SmartBuy transactions

Who should get this card?

HDFC Bharat Cashback Credit Card is suited for the beginners. You should consider getting this card if:

  • You want to put fuel, utilities and grocery bills on credit card
  • You want a low annual fee card with limited features
  • You wish to build your credit profile

Before choosing this card, you should explore more such cashback cards and make an informed decision.

SIMILAR CASHBACK CREDIT CARDS
Standard Chartered Super Value Titanium Credit CardCiti Cashback Credit Card
Earn 5% cashback on fuel spends across all fuel stations (max. Rs. 200 per month)
Read more about this card		5% cashback on movie tickets, telephone and other utility bill payments
Read more about this card
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Travel Credit Cards by HDFC Bank

Find the best travel credit cards by HDFC bank below. These cards let you save on your travel expenses along with some complimentary privileges.

6E Rewards XL Indigo HDFC Bank Credit Card

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Welcome Benefit- Complimentary 6E Prime voucher with priority check-in, choice of seat, a complimentary meal and a quicker baggage claim. Also get an Indigo flight ticket for free

Reward Points-

  • 6% 6E Rewards per Rs. 100 spent on stay, dining and work from Accor hotels across India
  • 5% 6E Rewards per Rs. 100 spent on IndiGo website or mobile app
  • 3% 6E Rewards per spent on groceries and dining
  • 2% 6E Rewards on all other spends

Click here to read FAQs on 6E Rewards Program and its terms and conditions

Airport Lounge Access- 8 complimentary access to domestic lounges in a year

Fuel Surcharge Waiver- Fuel surcharge waiver for transactions above Rs. 400

Who should get this card?

This co-branded travel credit card from HDFC Bank is suitable for those who:

  • Travel often and prefer Indigo over other airlines
  • Are willing to pay an annual fee of Rs. 2,500
  • Would be able to make the most of its benefits by putting regular expenses on the card

However, if you wish to explore other co-branded travel credit cards, find two of them below:

CO-BRANDED TRAVEL CREDIT CARDS FROM OTHER BANKS
MakeMyTrip ICICI Bank Signature Credit CardAxis Bank Vistara Signature Credit Card
Get Rs. 1,500 MMT MyCash plus MMTDOUBLEBLACK and MMTBLACK enrolment
Read more about this card		Get Up to 6 Free Premium Economy tickets in a year under milestone privileges
Read more about this card

HDFC Diners Clubmiles Credit Card

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Reward Points- 4 reward points for every Rs. 150 spent across all categories

Convert Rewards into Air Miles- Get 1 Air Mile for each reward with leading International and Domestic airlines and hotels

Exclusive Lounge Program- 6 Complimentary visits to 25+ Domestic and 700+ International Lounges

Dining Discounts- Enjoy 15% discounts at some of the finest restaurants in the country

Insurance- Air accident cover of Rs. 1 Crore and Emergency Medical Expenses Cover of up to Rs. 25 Lakh

Who should get this card?

HDFC Diners Clubmiles credit card is a travel card suited for those who would like to enjoy the benefits of rewards as well as air miles. You should consider getting this card if:

  • You are not loyal to any particular airline
  • You would be able to spend enough on the card to accumulate rewards and then redeem them for travel
  • You do not want to pay a very high annual fee
SIMILAR TRAVEL CREDIT CARDS
IndusInd Bank Platinum Aura Credit CardAxis Bank Vistara Credit Card
Priority Pass Membership with 8 free visits in a year
Read more about this card		Get a Vistara economy class ticket and Club Vistara Membership
Read more about this card

Entertainment Credit Cards from HDFC Bank

Here are the two most popular entertainment credit cards by HDFC Bank. These cards let you save on movies and dining.

HDFC Bank Platinum Times Credit Card

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Welcome Benefits- Discount across select partners. Click here for details

Movies and Dining Benefits- 25% discount on movies and 20% on dining at partner outlets

Reward Points- 3 reward points on every Rs. 150 spent on the credit card

Fuel Surcharge Waiver- Save more on fuel as fuel surcharge waiver

Travel Benefits- On making minimum 4 transactions every month, get free accidental death insurance of up to Rs. 50 Lakh

Who should get this card?

This card is best suited for those who:

  • Go to the movies and dine out quite often
  • Would be able to enjoy the reward benefits with regular purchases
  • Have limited fuel requirements in a month
SIMILAR ENTERTAINMENT CREDIT CARDS
Standard Chartered Manhattan Platinum Credit CardRBL Platinum Maxima Credit Card
Get Rs. 2,000 BookMyShow voucher on making the first transaction within 90 days
Read more about this card		Buy One Get One Free offer on BookMyShow
Read more about this card

HDFC Bank Titanium Times Credit Card

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Movies and Dining Discounts- 25% discount on movies and 15% discount on dining

Welcome Benefits- Shopping, dining and apparel vouchers from partner brands. Click here for details

Reward Points- 2 reward points for every Rs. 150 spent on the card

Fuel Surcharge Waiver- 1% fuel convenience fee waiver

Travel Benefits- Get free accidental death insurance of up to Rs. 50 Lakh on making minimum 4 transactions every month

Who should get this card?

HDFC Titanium Times Credit Card is a low-fee version of the Platinum Card. Most of the benefits on this card are similar to the Platinum Times Card. Hence, it is best suited for those who would like to compromise on a few benefits for a lower annual fee.

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Fuel Credit Cards by HDFC Bank

HDFC Bank also offers a co-branded fuel credit card with Indian Oil. Though the bank offers fuel surcharge waiver on almost all of its card variants, this credit card, in particular, is the best suited for your fuel needs.

HDFC IndianOil Credit Card

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Fuel Benefits- Get fuel points at IndianOil fuel outlets by earning 5% of your spends

Fuel Savings- You can shop at grocery stores and earn fuel 5% as fuel points

Fuel Points- Earn 1 Fuel Point for every Rs.150 spent with this credit card

Fuel Earnings- You can earn at least 50 litres of free fuel every year

Who should get this card?

This fuel credit card by HDFC Bank is co-branded with Indian Oil. So, it will be best suited for those who:

  • Prefer Indian Oil for refuelling
  • Have major fuel expenses in a month and want to save more
  • Do not wish to pay a high annual fee

However, if you wish to explore more fuel credit cards, here are two of them to compare:

SIMILAR FUEL CREDIT CARDS
BPCL SBI CardStandard Chartered Super Value Titanium Credit Card
13x reward points equivalent to 3.25% value back on fuel
Read more about this card		5% cashback on fuel spends across all fuel stations up to Rs. 200 per month
Read more about this card

Premium Credit Cards from HDFC Bank

HDFC Bank offers a few premium cards that charge a high annual fee but also give equivalent benefits across multiple categories. The two most popular HDFC Premium Credit Cards are shown below.

HDFC Diners Club Black Credit Card

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Membership Privileges- Complimentary annual membership of Club Marriott, Zomato Gold, Amazon Prime, Times Prime, Forbes and MakeMyTrip

Lounge Access- Access to over 800+ Airport lounges globally for primary as well as add-on cardholder

Golf Benefits- Up to 6 complimentary golf games every quarter across premium golf courses globally

Reward Points- Earn reward points in the following manner:

  • 5 Reward Points per Rs. 150 spent on retail
  • 10X points on select partner brands
  • 2X reward points on weekend dining
  • 1 Reward Point= Re. 1
  • Redeem rewards for air miles and travel vouchers on HDFC SmartBuy

Lifestyle Benefits- Exclusive benefits on Spa, Gym, Fitness and Doctor Consultation

Who should get this card?

HDFC Diners Club Black Credit Card is a premium offering by HDFC Bank is suitable for those who are ready to pay a high annual fee for exclusive privileges. You should consider getting this card if:

  • You have big expenses to put on credit cards and want to get value back for the same
  • You are a frequent traveller
  • You want all-round benefits on a single credit card rather than a card focused on a single benefit

If the annual fee of HDFC Diners Club Black is too high for you, consider the following alternatives.

SIMILAR PREMIUM CARDS WITH LOWER ANNUAL FEE
SBI Card ELITEStandard Chartered Ultimate Credit Card
Membership to Priority Pass Program, Club Vistara Silver Program and Trident Privilege Red Tier
Read more about this card		Access to 20 premier golf courses in the country & 100+ golf courses globally
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HDFC Infinia Credit Card

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No pre-set spending limit- There is no pre-assigned limit on the card

Priority Pass Membership- Get preferential access to 1,000+ airport lounges across the globe.

Low Forex Mark-up Fee- Pay a low forex mark-up fees of just 2%

Golf Privileges- Complimentary golf games at some of the leading golf courses across the world

Club Marriott Membership- Exclusive privileges at Marriott hotels under the complimentary Club Marriott Membership along with 20% discount on food and 20% off on the hotel stays

Rewards Program- 5 reward points per Rs. 150 across all categories. 2X rewards are offered on dining spends and 10X on travel and shopping spends on HDFC SmartBuy.

Read more about this card
Other Credit Cards from HDFC Bank
Business Credit Cards from HDFC Bank
Other Credit Cards from HDFC Bank

HDFC credit cards mentioned above are among the best and most popular cards in the market. Apart from these, HDFC Bank also offers several other cards with varied features and benefits. If you could not find the right card for you from the above list, refer to the list below for other cards from HDFC Bank.

6E Rewards – IndiGo HDFC Bank Credit Card

Annual Fee- Rs. 700
Best Suited For- Travel

Key Highlights-

  • Welcome Benefits: 1 complimentary 6E Prime voucher, 1 complimentary IndiGo base fare ticket voucher worth Rs. 1,500 when you make 3 transactions or more in each of the first 3 months after the card is set up
  • Rewards: 3% 6E Rewards on spends across Accor hotels in India, 5% 6E Rewards on spends done via IndiGo website, mobile app and other platforms, 2% 6E Rewards on Grocery, Dining and Entertainment spends
  • Fuel Savings: 1% fuel surcharge waived off on fuel transactions
  • Other Benefit:  Convenience fee of Rs. 100 per person on domestic flight bookings on IndiGo website, mobile app and other platforms.

JetPrivilege HDFC Bank Diners Club Credit Card

Annual Fee- Rs. 5,000
Best Suited For- Travel and Golf

Key Highlights-

  • Welcome Benefit: 15,000 InterMiles upon first swipe of your card within 90 days of card set up
  • InterMiles Accrual Program: 8 InterMiles on every Rs. 150 spent on retail expenses, 16 InterMiles on every Rs 150 spent on every flight ticket booked on www.intermiles.com
  • Golf Benefits: Unlimited Complimentary Golf games (Green Fee Waiver) at almost 20 golf courses in India and over 40 golf courses world over
  • Dining Privileges: Up to 15% off on dining

JetPrivilege HDFC Bank Signature / World

Annual Fee- Rs. 2500

Best Suited For- Travel

Key Highlights-

  • Welcome Benefits: 3,750 InterMiles upon first swipe of your Card within the first 90 days of card set up
  • Milestone Benefits: Discount voucher worth Rs.500 on return flights booked on www.intermiles.com
  • InterMiles Accrual Program: 6 InterMiles on every Rs. 150 spent on retail expenses, 12 InterMiles on every Rs. 150 spent on every flight ticket booked on www.intermiles.com
  • MasterCard Lounge Program: 4 complimentary visits per quarter

JetPrivilege HDFC Bank Platinum Credit Card

Annual Fee- Rs. 1,000
Best Suited For- Travel

Key Highlights-

  • Welcome Benefits: 1500 InterMiles upon first swipe of your Card within the first 90 days of card set up
  • Milestone Benefits: Discount voucher worth Rs.250 on return flights booked on www.intermiles.com
  • InterMiles Accrual Program: 4 InterMiles on every Rs. 150 spent on retail expenses, 8 InterMiles on every Rs. 150 spent on every flight ticket booked on www.intermiles.com
  • MasterCard Lounge Program: 2 complimentary visits per quarter

HDFC Best Price Save Max Credit Card

Annual Fee- Rs. 1,000
Best Suited For- Travel and Rewards

Key Highlights-

  • Rewards: 6 Reward Points per Rs.150 on Best Price Spends, 4 Reward Points per Rs. 150 on IRCTC, utility, dining spends
  • Welcome Benefit: Rs.500 cashback on spends of Rs. 25,000 every month
  • Travel Benefit: 8 Complimentary access to 700+ Lounges Worldwide in a calendar year
  • Fuel Savings: 1% Fuel Surcharge waived off on fuel transactions

HDFC All Miles Credit Card

Annual Fee- Rs. 1,000
Best Suited For- Rewards

Key Highlights-

  • Rewards: 3 reward points for every Rs 150 spent
  • Accelerated Rewards: 2x reward points for hotel bookings, mobile recharge and shopping
  • Fuel Savings: 1% Fuel Surcharge waived off on fuel transactions
  • Interest-free credit period: Up to 50 interest-free days from date of purchase

HDFC Diners Club Premium Credit Card

Annual Fee- Rs. 2,500
Best Suited For- Rewards and Dining

Key Highlights-

  • Welcome benefit: 2,500 reward points
  • Travel: 6 Complimentary access to 700+ lounges Worldwide
  • Rewards: 4 reward points for every Rs 150 spent
  • Insurance: Air accident insurance cover worth Rs. 1 crore, Medical emergency insurance cover of up to Rs. 25 lakh

HDFC Doctor’s Regalia Credit Card

Annual Fee- Rs. 2,500
Best Suited For- Rewards and Travel

Key Highlights-

  • Annual Spends Benefit: 15,000 Reward Points on annual spends of Rs. 8 lakh or more in each anniversary year
  • Priority Pass Membership: Complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world
  • Visa/Mastercard Lounge Access Program: 12 complimentary lounge access per calendar year
  • Rewards: 4 reward points on Rs. 150, on all retail* spends including Insurance, Utilities, Education and Rent Pay

HDFC Doctors Superia Credit Card

Annual Fee- Rs. 1,000
Best Suited For- Rewards and Dining

Key Highlights-

  • Welcome Benefit: 1000 Reward Points
  • Power Dining: 50% more reward points when you dine
  • Professional Indemnity Insurance: Protection worth up to Rs. 20 Lakh against costs arising due to professional negligence
  • Renewal Benefit: 1000 reward points

HDFC JetPrivilege HDFC Bank Select / Titanium Credit Card

Annual Fee- Rs. 500
Best Suited For- Travel

Key Highlights-

  • Welcome Benefit: Discount voucher worth Rs.250 on return flights booked on www.intermiles.com
  • InterMiles Accrual Program: 2 InterMiles on every Rs. 150 spent on retail expenses, 4 InterMiles on every Rs 150 spent on every flight ticket booked on www.intermiles.com
  • Renewal Fee Waiver: Spend Rs. 1.5 lakh within 12 months of the Card renewal date and get the renewal fee for the next year waived off
  • Add on cards: Avail up to 3 Add-on Cards for your immediate family members (over 18 years)

HDFC Platinum Edge Credit Card

Annual Fee- Rs. 500
Best Suited For- Rewards

Key Highlights-

  • Rewards: 2 reward points for every Rs. 150 spent
  • Dining: 50% more reward points at premium restaurants
  • Fuel Savings: Waiver of fuel surcharge of up to Rs. 250 in every billing cycle
  • Interest-free credit: Up to 50 interest-free days from date of purchase

HDFC Platinum Plus Credit Card

Annual Fee- Nil
Best Suited For- Rewards

Key Highlights-

  • Rewards: 2 reward points for every Rs. 150 spent
  • Accelerated Rewards: 50% more rewards for every Rs. 150 you spend above Rs. 50,000 per statement cycle
  • Add on cards: Up to 3 add-on cards free for your family
  • Interest-free credit: 50 days of interest-free credit

HDFC Solitaire Credit Card

Annual Fee- Rs. 1,000
Best Suited For- Rewards and Shopping

Key Highlights-

  • Rewards: 3 reward points for every Rs 150 you spend
  • Accelerated Rewards: 50% more reward points on dining and grocery expenses
  • Shopping: vouchers worth Rs 1,000 on spends of Rs 75,000 in 6 months
  • Fuel Saving: Up to Rs. 250 off in every billing cycle with a 100% fuel surcharge waiver

HDFC Superia Credit Card

Annual Fee- Rs. 1,000
Best Suited For- Rewards

Key Highlights-

  • Welcome benefit: 1,000 reward points
  • Dining: 50% more reward points at premium restaurants
  • Rewards: 3 reward points for every Rs. 150 spent
  • Renewal Benefit: 1000 reward points

HDFC Teachers Platinum Credit Card

Annual Fee- Rs. 500
Best Suited For-  Rewards

Key Highlights-

  • Rewards: 3x reward points on spends of Rs. 150, Weekdays- 2 reward points for every Rs. 150
  • Add on cards: Up to 3 lifetime free add-on cards
  • Fuel Surcharge waiver: 1% Fuel Surcharge waived off on fuel transactions
  • Teacher’s Day treat: 500 reward points on Teacher’s Day every year

HDFC Titanium Edge Credit Card

Annual Fee- Rs. 500
Best Suited For- Rewards

Key Highlights-

  • Rewards: 2 reward points for every Rs. 150 spent
  • Dining: 50% more reward points as exclusive dining privileges
  • Fuel Savings: Up to Rs. 250 off on every billing cycle with a 100% fuel surcharge waiver
  • Interest-free credit: 50 days of interest-free period from the date of purchase

HDFC Visa Signature Credit Card

Annual Fee- Communicated at the time of sourcing
Best Suited For- Travel

Key Highlights-

  • Rewards: 2 reward points for every Rs. 150 spent
  • Priority Pass membership: Save up to Rs. 8300 on lounge access (Priority Pass membership worth $99) and fuel costs every year
  • Add on cards: Up to 3 add-on cards free for your family
  • Interest-free credit: 50 days of interest-free period from the date of purchase

HDFC World MasterCard Credit Card

Annual Fee- Communicated at the time of sourcing
Best Suited For- Travel

Key Highlights-

  • Travel Benefits: Free access to over 600 global airport lounges with complimentary Priority Pass membership
  • Rewards: 2 reward points for every Rs. 150 spent
  • Accelerated Rewards: 50% more rewards for every Rs. 50 spent above Rs. 75,000 per statement cycle
  • Add on cards: Up to 3 add-on cards free for your family
Business Credit Cards from HDFC Bank

HDFC Bank also offers credit cards for small businesses and corporates. Find the details of HDFC business credit cards below:

HDFC Business Regalia Credit Card

Annual Fee- Rs. ,2500

Key Highlights-

  • Welcome Benefit: Zomato Gold complimentary Membership for a Year
  • Annual Spends benefit: 15,000 Reward Points on annual spends of Rs. 8 lakh or more in each anniversary year
  • Cashback: 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi
  • Rewards: 4 Reward points for every Rs. 150 spent

HDFC Business MoneyBack Credit Card

Annual Fee- Rs. 1,000

Key Highlights-

  • Cashback: 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi
  • Fuel Rewards- 5X Reward Points on Fuel capped at 1000 Rewards per calendar month valid for the first year only
  • Rewards: 4 Reward Points for every Rs.150 spent on online spends, 2 Reward Points for Rs 150 on other expenses
  • Welcome Benefit: Zomato Gold complimentary Membership for a Year

HDFC CSC Small Business MoneyBack

Annual Fee- Rs. 1,000

Key Highlights-

  • Rewards: 4 Reward Points for every Rs.150 spent on online spends, 2 Reward Points for Rs 150 on other expenses
  • Fuel Rewards: 5X Reward Points on Fuel capped at 1000 Rewards per calendar month
  • Annual Spends benefit: 1000 Reward Points on annual spends of Rs. 90,000 or more in each anniversary year
  • Cashback: 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi

HDFC Business Bharat Credit Card

Annual Fee- Rs. 500

Key Highlights-

  • Cashback: 5 % Cashback on IRCTC / Bill Payment / Fuel, % Cashback on Easy EMI / Payzapp / Smart Buy
  • Fuel Surcharge waiver: Fuel surcharge waived off on fuel transactions of Rs. 400 to Rs. 5000
  • Interest-free credit: Up to 50 days of interest-free period from the date of purchase
  • Safe & Secure Transactions: DIP your Chip Card at any Chip-enabled POS or swipe your card at any non-chip POS (Regular POS)

HDFC Business Freedom Credit Card

Annual Fee- Rs. 500

Key Highlights-

  • Cashback: 5% cashback on movies, dining, supermarket spends, taxi rides and utility bill payment, 5% cashback on Easy EMI, PayZapp and Smart Buy
  • Fuel Savings: Save up to Rs. 250 on transactions of Rs. 400 to Rs. 5000
  • Interest-free period: Interest-free credit for 50 days
  • Zero lost card liability: Zero liability on lost card if reported immediately

HDFC Business Gold Credit Card

Annual Fee- Rs.199

Key Highlights-

  • Rewards: Reward points on every spend of Rs.150 and above
  • Travel: 1% cashback on air tickets booked through domestic airline websites
  • Cashback: 1% cashback on Utility Bill Payments
  • Fuel Savings: Save up to Rs. 250 on transactions of Rs. 400 to Rs. 5000

HDFC Business Platinum Credit Card

Annual Fee- Rs. 299

Key Highlights-

  • Cashback: 1% Cashback for all retail spends on minimum statement balance of Rs.50,000, 1% Cashback on International spends of Rs. 10,000 or more
  • Fuel Surcharge Waiver: Fuel surcharge waived off on fuel transactions of Rs. 400 to Rs. 5000
  • Zero liability on lost card: Zero liability on lost card if reported immediately
  • Lounge access: Access to airport lounges at various airports in India

HDFC Business Regalia First Credit Card

Annual Fee- Rs. 1,000

Key Highlights-

  • Annual Spends benefit: 7,500 Reward Points on annual spends of Rs. 6 lakh or more in each anniversary year
  • Priority Pass Membership: Complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world
  • Lounge Access Program: 8 complimentary lounge access per calendar year
  • Rewards: 4 Reward points for every Rs. 150 spent

HDFC Corporate Platinum Credit Card

Annual Fee- Nil

Key Highlights-

  • Rewards: 3 Reward Points for every Rs. 150 spent
  • Lounge Program: 8 complimentary domestic lounge access per calendar year at various airports in India
  • Fuel Surcharge Waiver: 1% surcharge waived off for transaction value between Rs. 400 to Rs. 5,000
  • Insurance: Accident insurance cover of Rs 1 Crore for air travel and Rs 3 lakh for road and rail travel

HDFC Corporate Premium Credit Card

Annual Fee- Nil

Key Highlights-

  • Rewards: 5 Reward Points for every Rs. 150 spent
  • Fuel Surcharge Waiver: 1% surcharge waived off for transaction value between Rs. 400 to Rs. 10,000
  • Insurance: Accident insurance cover of Rs 1 Crore for air travel and Rs 3 lakhs for road and rail travel
  • Lounge Program: Complimentary Priority Pass Membership for preferential access to over 1200+ airport lounges around the world

HDFC Business Corporate Regalia Credit Card

Annual Fee- Nil

Key Highlights-

  • Rewards: 4 points for every Rs 150 spent
  • Complimentary Club Vistara Silver Membership: 9 Club Vistara (CV) points for every Rs. 100 spent on All Vistara Flights
  • Lounge Program: Priority Pass Membership for preferential access to over 1200+ airport lounges around the world
  • Franchise Lounge Program: 8 complimentary domestic lounge access per calendar year at various airports in India

HDFC Business Corporate MoneyBack Credit Card

Annual Fee- Nil

Key Highlights-

  • Rewards: 2 Reward Points for every Rs. 150 spent
  • Accelerated Rewards: 4 Reward Points for every Rs. 150 spent on Air, Travel, Hotel bookings, Dining & E-commerce spends
  • Lounge Program: 8 complimentary domestic lounge access per calendar year at various airports in India
  • Fuel Surcharge Waiver: 1% surcharge waived off for fuel transactions of Rs. 400 to Rs. 5,000

HDFC Corporate World MasterCard Credit Card

Annual Fee- Nil

Key Highlights-

  • Rewards: 2 Reward Points for every Rs. 150 spent
  • Lounge Program: Complimentary Priority Pass Membership for preferential access to over 1200+ airport lounges around the world
  • Franchise Lounge Program: 8 complimentary domestic lounge access per calendar year at various airports in India
  • Insurance: Accident insurance cover of Rs 1 Crore for air travel and Rs 3 lakhs for road and rail travel

HDFC Corporate Visa Signature Credit Card

Annual Fee- Nil

Key Highlights-

  • Rewards: 2 Reward Points for every Rs. 150 spent
  • Lounge Program: Complimentary Priority Pass Membership for preferential access to over 1200+ airport lounges around the world
  • Franchise Lounge Program: 8 complimentary domestic lounge access per calendar year at various airports in India
  • Insurance: Accident insurance cover of Rs 1 Crore for air travel and Rs 3 lakhs for road and rail travel
More on this page:

HDFC Credit Card Fee and Charges
HDFC Bank Credit Card Rewards Program
How to Apply for HDFC Credit Card Online?
Managing Your HDFC Credit Card
HDFC Bank Credit Card Customer Care
HDFC Bank Credit Card FAQs
HDFC Credit Card - NEWS
HDFC Bank – Loan Restructure Option on Credit Cards
HDFC Credit Card Fee and Charges

Apart from the joining and annual fee, there are some common charges applicable to all cards offered by HDFC. Refer to the table below.

Fee/ChargeAmount/Rate
Annual/Renewal FeeVaries from Card to Card
Extended Credit Interest Free Credit Period20-50 days applicable only on retail purchases and if previous months’ outstanding balance is paid
Finance ChargesUp to 3.6% per month, accounting to 43.2% per annum (varies from card to card)
Extended Credit Minimum Amount Due5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
Cash Advance limitUp to 80% of credit limit, with a maximum of Rs. 12,000 per day
Cash Advance ChargesUp to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal
Cash Advance Fee SBI or Other Domestic ATMs2.5% of transaction amount, subject to a minimum of Rs. 300
Cash Advance fee International ATMs3% of transaction amount, subject to a minimum of Rs. 300
Overlimit Charges2.5% of overlimit amount subject to a minimum of Rs. 550
Late Payment FeeFor Outstanding Amount:

  • Less than Rs. 100 – Nil
  • Rs. 100 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 5,000 – Rs. 500
  • Rs. 5,001 to Rs. 10,000 – Rs. 600
  • Rs. 10,001 to Rs. 25,000 – Rs. 800
  • Rs. 25,001 to Rs. 50,000 – Rs. 1,100
  • Above Rs. 50,000 – Rs. 1,300

*Fees and charges may vary for certain credit card variants. Refer to the card-specific charges before applying.

HDFC Bank Credit Card Rewards Program

Every time you use your HDFC credit card, reward points will be credited to your account. The number of reward points you earn will vary depending on the type of credit card you have and also on the spending patterns on the card. Once you have accumulated enough reward points in your credit card account, you can redeem them against a multitude of gift vouchers and merchandise.

Credit CardReward PointsAccelerated Rewards
HDFC Regalia Credit Card4 Reward Points per  Rs.1509 Club Vistara(CV) points for every  Rs.100 spent on All Vistara Flights
HDFC Regalia First4 Reward Points per Rs.150N/A
HDFC MoneyBack2 Reward Points per Rs.1502X more rewards on online spending
HDFC Freedom1 Reward Point per Rs.1505X reward points on Dining/Movies/Groceries/Railways /Taxi
10X reward points on PayZapp & SmartBUY spends
25X reward points on Birthdays spends
JetPrivilege HDFC Bank World6 Intermiles per Rs.15012 Intermiles per Rs.150 spent on every flight ticket booked on www.intermiles.com
HDFC Bank Diners ClubMiles4 Reward Points per Rs.150N/A
HDFC Bank Diners Club Rewardz3 Reward Points per Rs.150N/A
JetPrivilege HDFC Bank Diners Club Credit Card8 Intermiles per Rs.15016 Intermiles per Rs.150 spent on every flight ticket booked on www.intermiles.com
HDFC Times Platinum Credit Card2 Reward Points per Rs.15010 Reward Points per Rs.150 on dining on weekdays.
HDFC Times Titanium Credit Card2 Reward Points per Rs.1505 Reward Points per Rs.150 on dining on weekdays.

How to Redeem HDFC Credit Card Reward Points?

HDFC credit card users can redeem the reward points online as well as offline. For online redemption, follow the process given below-

  • Login to your HDFC Credit Card Net Banking
  • From the left navigation bar, click on the ‘Redeem Reward Points’ option
  • Select the card and then you will be redirected to the rewards redemption portal
  • Select ‘Points Range’ and ‘Item Category’ to view your reward redemption catalogue
  • Once you have selected the items against which you want to redeem your points, click on ‘View Shopping Cart’ link to view the selected items. You can also modify the quantity by clicking on ‘Edit’
  • Once you submit, the items will reach at the address mentioned by you. Note that the redeemed points cannot be revoked
  • Keep the redemption order number generated for reference

For offline redemption, you can fill the redemption form and mail it to the bank. You can download the redemption form from HDFC website.

Other Ways to Redeem HDFC Rewards
How to Apply for HDFC Credit Card Online?

You can compare and apply for HDFC credit card online through our website. Just enter your basic details to check the eligibility for different credit cards. Once you find that you are eligible, you can apply online directly.

Step 1- Click here to start the credit card application process.
Step 2- Enter your basic details like occupation, monthly income, residence pin code and contact number. You will now see a list of different credit cards.
Step 3- Find your preferred HDFC credit card and check your eligibility for the same by entering some more information.
Step 4- If you are eligible, you can complete the online application.

After this, the bank will give you a call and a field officer will collect the documents at your doorstep. Once approved, the credit card will reach you within a week. You can also apply for HDFC credit cards online directly through their website or by visiting the nearest branch of HDFC Bank.

Please note that some HDFC credit cards may not be available on Paisabazaar’s platform. If there is a particular card you are looking for and is not mentioned on the list, you can apply for the same by visiting the nearest bank branch or by applying on the bank’s website.

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Managing Your HDFC Credit Card

Already have an HDFC Credit Card? Learn how to manage everything related to your credit card easily. Read step-by-step procedure on how to pay bills online, update address, change PIN and more.

Bill PaymentAddress UpdateCredit Card Statement
Balance TransferChange PINBlock Credit Card
HDFC Bank Credit Card Customer Care

HDFC Credit Card users can get in touch with the bank’s customer care by calling on their toll-free number:

022-6160-6161

Click here to find city-wise details and other ways of reaching HDFC credit card customer care.

Other Ways to Reach HDFC Customer Care
HDFC Bank Credit Card FAQs

Which HDFC credit card is best?
HDFC Bank offers a range of credit cards to meet various needs of cardholders. There are cards to suit various expenditure trends such as shopping, travel, lifestyle, dining, etc. and is also categorised for the income category they fall into. You should opt for the credit card that meets your requirements.

What are the eligibility criteria to apply for HDFC Regalia Credit Card?
For Salaried Individuals, you need to be in the age bracket of 21 to 60 years with Gross monthly income more than Rs.1.2 Lakh and for Self Employed individuals, you should be in the age bracket of 21-65 years with Gross monthly income more than Rs.12 Lakh per annum

What should be done in case the credit card is stolen or lost?
In such a situation, you can contact the customer care executive of HDFC Bank at (prefix STD Code): 6160-61616. The bank executives will then guide you with the steps that need to be followed.

Why did my HDFC credit card application get rejected?
There are different reasons based on which the bank or the financial institution can reject or hold your credit card application. Some of the reasons can include low CIBIL Score or not meeting the eligibility requirement as set by the bank. The best option in this scenario would be to contact the bank executives and they shall provide you with an appropriate reason for rejection.

My address has been changed recently. How can I change it in my HDFC credit card?
You can get your address changed by visiting your nearest HDFC Bank branch or by Internet Banking. Once you login through internet banking, there will be an option of Update Address on the top right.

How can i apply for HDFC credit card online?

You can apply for HDFC credit card on our website or on the bank’s website.

HDFC Credit Card - NEWS
HDFC Bank offers Loan Restructuring Option
23 September 2020
HDFC Bank, as per RBI’s guidelines, has started offering its loan and credit card customers the option to restructure their payments. This facility can be availed by anyone who can prove that they faced income loss because of the pandemic. The minimum outstanding amount on the credit card must be Rs. 25,000 or more. HDFC Bank is extending this facility to everyone, including those customers who did not opt for the moratorium. The tenure on the restructured loan can be up to 2 years. However, once the loan restructure application is approved, the card account will be reported to the credit bureau as ‘Restructured’.
Credit Card EMIs at all-time high, reports HDFC Bank
8 September 2020
HDFC Bank reported that EMI conversion on big ticket purchases are at an all-time high. Angshuman Chatterjee, Head of consumer credit cards and digital acquisitions at HDFC Bank further added that they remain bullish on Credit Card EMI plan despite the heavy job losses and salary cuts because of the pandemic. The EMI facility is in huge demand right now as it lets cardholders break a big purchase into small EMIs which are then paid off over several months. HDFC has also noted a spike in the e-commerce transactions being carried out via its cards. The trend is visible across all cards including millennia credit card which is designed for the young generation.
HDFC Launches Shaurya KGC Card
14 Aug 2020
HDFC under its ‘Har Gaon Hamara’ initiative has launched the Shaurya KGC Card. The card is aimed to benefit the agricultural dependent families of armed personnel. The card can be availed by those who are serving in the Army, Navy, Air Force or Para Military Forces. The card provides life cover of Rs 10 lakh, credit for agricultural related expenses and more.
COVID-19 Regulatory Package: HDFC Bank allows 3-Month Moratorium on Credit Card Bill Payment
Following RBI Guidelines on COVID-19, HDFC Bank is allowing its credit card holders to avail the 3-month moratorium on outstanding amount and loan on credit card. Interest charges will keep accruing on the outstanding amount as per the predefined rates but the bank will not ask for any payment until 31-May-2020. Moreover, availing the moratorium facility does not affect the credit scores of the borrowers.
Read More
HDFC Bank launches co-branded credit cards with IndiGo- 27th Feb 2020
27th Feb 2020
HDFC Bank, the largest credit card issuer in India, has recently collaborated with IndiGo to launch travel credit cards targeted at frequent flyers. Labelled as Ka-Ching, the card is being launched in two variants- regular (Rewards) and premium (Rewards XL). Cardholders can avail complimentary air tickets from IndiGo along with priority check-in, complimentary meal and quicker baggage claim. Mastercard will be the network partner for these cards.
HDFC Bank launches credit card with Walmart India
02nd December 2019
HDFC Bank has launched a new credit card in collaboration with Walmart India. The card will be very beneficial for the members of Best Price Modern Wholesale “B2B Cash and Carry” Stores all across the country. At the launch of this card, President and CEO Krish Iyer said that the card will allow small resellers to avail credit through digital means with a free credit period of up to 50 days.
HDFC Bank and CSC Launch Credit Card for Village Entrepreneurs and Small Traders
17th July 2019
HDFC Bank, in collaboration with Common Services Centres (CSCs), has launched the ‘Small Business Money Back Credit Card’ for village level entrepreneurs and village level sourced customers. The credit card will allow customers access to credit to make their day to day transactions. Currently, about Rs. 70,000 crore is being transacted through CSCs. These CSCs not only provide a stage for government and public utility services but also deliver financial services, social welfare schemes, and so on. All in all, this credit card will lend greater convenience to users who conduct their business in remote villages.
HDFC Hikes Late Fees on Credit Cards
6th March 2019
HDFC will increase the late fees on its credit cards and it will come into effect from 1st April 2019. The cardholders should pay the minimum amount due by the due date to avoid late payment fee. The table given below shows the revised late fees on HDFC credit cards.

Statement balanceFee Charged From April 1, 2019
Less than ₹ 100Nil
₹ 100 to ₹ 500₹ 100
₹ 501 to ₹ 5,000₹ 500
₹ 5,001 to ₹ 10,000₹ 600
₹ 10,001 to ₹ 25,000₹ 800
More than ₹ 25,000₹ 950
HDFC Looks to Double Credit Card Penetration in its Existing Customer Base
14th May 2018
HDFC Bank, the largest issuer of credit cards in India, is looking forward to double the penetration of credit cards in its customer base over a period of three years. It currently has a customer base of 42 million and credit cards make 25 percent of it and the bank is planning to grow this number of 50 percent over the next three years. The bank is taking this step because it sees an improvement in the cross-selling opportunities in its existing customer base. HDFC is also taking several steps in the merchant acquisition front.
Credit Card Customer Base of HDFC Bank crosses 1 Crore Mark
02nd Feb 2018
HDFC has just made a new record by reaching a credit card customer base of more than 1 Crore. According to the data furnished by RBI, the total number of HDFC’s credit card customers is 1.02 Crore which is equal to 28.68 per cent of the total credit card customer base in the country. SBI and ICICI stand at second and third place with customer bases of 57.50 Lakhs and 47.26 Lakhs, respectively. Axis bank bags the fourth place with the total credit card customers being 41.45 Lakhs.
Snapdeal-HDFC Bank credit card crosses 1.5 lakh users
16th Jan 2018
Since the launch of its co-branded credit cards with Snapdeal, HDFC Bank has issued these cards to over 1.5 Lakh users. This is the only credit card so far that has been launched in collaboration with an e-commerce brand. The card has been offered to make purchases on Snapdeal more rewarding for the users as the buyers opt for online payment nowadays. Snapdeals claims that the number of its credit card payments has shot up by 1.5 times.
HDFC Bank issues 3 lakh instant credit cards
17th Dec 2017
HDFC Bank launched its InstaCard in January 2017 and within a course of about 1 year the bank has launched instant credit cards. These cards are delivered to the customers within an hour of applying for the credit card through net banking, provided that the applicant meets all eligibility criteria. The application process is also quick and easy. With the InstaCard, customers can make online transactions. Physical credit card is delivered to the customers within a few days.
HDFC Bank Uses Social Media Analytics and Purchase History to Determine Credit Card Eligibility for its Customers
07th Sep 2017
Due to increased opportunities in the credit card market and rising competition, HDFC is breaking the tradition of conservative credit card appraisal. Now the bank is looking forward to target first-time customers on the basis of their purchase history and digital footprints. Analytics and artificial intelligence helps in building a better profile for individuals who do not have any credit history. The bank is focusing on the millennial population ranging between 20 and 30 years of age.
HDFC Bank Launches Co-branded Credit Card with Times Internet
23rd Aug 2016
The largest player in the credit card market, HDFC Bank, has launched a card in partnership with Times Internet- a Bennett, Coleman and Co. On this credit card, users can earn Times Points under the online loyalty programme of Times Group. This loyalty program has 18 million user base. Users can earn points while surfing Times Internet website or by commenting on an article on any of these websites.HDFC Bank to Increase Credit Card Issuance.
HDFC Bank to Increase Credit Card Issuance
12th May 2016
HDFC (Housing Development and Finance Corporation) Bank, one of the largest private sector banks in India, has voiced intentions to substantially expand its credit card customer base over the next year. With a view to increasing its share of the plastic money business, HDFC Bank plans to double the number of cards it issues every month to reach a figure of about 4 lakh new card issues every month. Read more
HDFC Bank – Loan Restructure Option on Credit Cards

HDFC Bank Credit Cardholders can avail the loan restructure option if they are facing difficulty paying off their credit card bills. The details of the facility are provided below.

Highlights of Loan Restructure Facility

Who is Eligible?All cardholders whose income was affected because of the pandemic.
Individuals with ‘Standard’ loan accounts who did not default on payments for over 30 days as on 1st March 2020
Interest RateDisclosed at the time of application
TenureUp to 24 months
Documents RequiredSalaried – Salary slips and bank statement
Self Employed – Bank statement, GST returns, ITR, Udyam certificate, etc.
Processing FeeMay be applied
Minimum Outstanding Balance RequiredRs. 25,000
MoratoriumNot Required
Customers are not required to have opted for Moratorium in order to avail this facility.
Ineligible Loans
(These loans won’t be restructured by the bank)		Loans for agricultural purposes and those classified as agricultural loans by the bank
agricultural credit societies
financial service providers
Central, State and local government bodies
HDFC Bank employees
Exposures to housing finance companies which have already been rescheduled
Contact Informationloansupport@hdfcbank.com

 

Who is Eligible for the Loan Restructuring Facility?

To be eligible you must meet the following criteria:

  • Your Credit Card account must be classified as Standard
  • You must not have defaulted on credit card bill payment for more than 30 days as on 1 March 2020
  • Your Credit Card account must continue to remain ‘Standard’ across all its loans/facilities till date
  • You must have faced financial issues because of the COVID-19 pandemic

The reduction of income and its financial impact on the customer will be reviewed by the bank basis the documents / information provided which does show the drop in cash flow due to the COVID-19 impact. The bank will assess the viability of the customer to pay the restructured EMIs basis the documents provided, before granting the restructuring. Apart from the viability calculations, the repayment track record of the customer and the responses given by the customer while availing moratorium earlier will also be factored in the restructuring decision.

How to Apply for Loan Restructure

You can easily apply for HDFC credit card loan restructure by contacting your Relationship Manager (RM) at the Bank. HDFC Bank will also put up a link for application on its website soon.

How will Loan Restructuring Impact your Credit Score?

If your appeal to restructure your credit card payments is approved, your credit report will reflect a ‘Restructured’ status. This status will be reflected regardless of whether you restructured one or multiple credit card accounts. The restructured credit card accounts will continue to be monitored by the credit bureaus.

FAQs

I have multiple credit cards from HDFC Bank. Do I have to apply separately for each of these card accounts?
The loan restructuring application form has the option for you to apply for multiple credit card accounts. However, the bank will assess the application on the basis of the regulatory guidelines before giving a decision on the application.

I have a credit card with active EMI plans. Can I opt for the restructuring of only the credit card outstanding and not the EMI plans?
No, the entire outstanding balance, including loans and EMIs, that is within the credit limit will be restructured and converted into a separate loan account.

I had availed Jumbo Loan facility on my credit card. Can I restructure the jumbo loan separately?
You have the option to restructure only the credit card balance, the Jumbo Loan account or both. This is made possible because Jumbo loan is provided through a different loan account and not through your credit card account.

What documents will the bank ask for in order to avail loan restructure from HDFC Bank?
Depending on your employment status HDFC Bank may ask for the following documents:

Salaried customers may be asked to submit Salary slips and bank statement.
Self-employed customers may be required to submit the Bank statement, GST returns, ITR, Udyam certificate, and so on.

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