HDFC Credit Card

Best suited for:  Travel  Fuel  Lounge Access

Key Features

• Air Miles – Earn 6 JP Miles on every Rs.150 spent
• Reward Points – Get 5X Reward Points on all PayZapp transactions
• Airport Lounge Access – Complimentary access to over 600 airport lounges across the world
• Add-on card – Avail up to 3 add-on cards on your primary credit card

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Best suited for:  Lounge Access  Travel  Dining

Key Features

• Joining/Renewal Benefits – Get 10,000 bonus JP Miles as joining benefit
• Earn Air Miles – Earn 6 JP Miles on every Rs.150 spent
• Reward Points – Get 5X Reward Points on all PayZapp transactions
• Travel Benefits – Complimentary access to over 600 airport lounges across the world
• Add-on card – Avail up to 3 add-on cards on your primary credit card.

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Best suited for:  Travel  and Membership Privileges

Key Features

• Membership Privileges –  Avail membership of brands like Zomato Gold, Amazon Prime, MakeMyTrip Double Black etc.
• Airport Lounge Access – Get access to 12 airport lounges from 800+ across the world
• Travel Benefits – You get a choice of booking the air tickets and hotels across 150 hotel chains
• Lifestyle Benefits – Get discounts on using spas, salons, gym and doctor consultation
• Golf Program – Enjoy complimentary golf games of 2 per quarter globally

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Best suited for:  Travel  Fuel and Rewards

Key Features

• 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

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Best suited for:  Shopping  Fuel  Rewards

Key Features

• Welcome Bonus – Get a welcome bonus of 500 reward points
• Reward Points – Earn 2 reward points for every Rs.150 spent
• Online Shopping Benefits – Enjoy 100% more reward points on your online spends
• Fuel Surcharge Waiver – Enjoy 1% fuel surcharge waiver across all fuel stations in the country
• Lost Card Liability Cover – Get benefit of zero lost card liability when you report the loss of credit card immediately.

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Best suited for:  Movies  Fuel  Dining

Key Features

• Reward Points – Earn 1 reward point for every Rs.150 spent across all categories
• Accelerated Rewards – 5-times more reward points on movies, groceries and railway ticket bookings
• Reward Redemption – Redeem your rewards for gift vouchers or direct statement credits
• Gift Vouchers – Spend Rs. 90,000 or more in a year and get Rs.1,000 gift voucher
• Lost Card Liability Cover – Get benefit of zero lost card liability on loss of the card
• Renewal Fee Waive off – Get Renewal fee waived on spends of Rs.60,000 in a year prior to the renewal date

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Best suited for:  Cashback and Dining

Key Features

• Cashback – 5% cash back on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp
• Lounge Access – Get 8 free domestic lounge accesses per year
• Welcome Benefits – Get gift vouchers on spending Rs. 1.00 lakh per quarter in the card’s first year
• Dining Offers – Get discounts and offers through Good Food Trail Dining program

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Best suited for:  Movies  Fuel  Dining

Key Features

• Welcome Benefits – Get a bunch of discount offers as a welcome benefit
• Movies and Dining Benefits – Get 25% discount on movies and 20% on dining at partner outlets
• Reward Points – Earn 3 reward points on every Rs.150 spent on the credit card
• Fuel Surcharge Waiver – Save more on fuel as fuel surcharge of 2.5%
• Contactless Payments – Pay by just waving your card in front of a POS machine as it is a contactless card
• Travel Benefits – On minimum 4 transactions every month, you get free accidental death insurance of up to Rs. 50 Lakh

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Best suited for:  Movies  Dining  Fuel

Key Features

• Movies and Dining Discounts – Avail 25% discount on movies and 15% discount on dining out
• Welcome Benefits – Get welcome gift comprising of shopping, dining and apparel vouchers
• Reward Points – Get 2 reward points for every Rs.150 spent on the card
• Fuel Surcharge Waiver – 5% fuel surcharge is converted into a 1% convenience fee
• Travel Benefits – Get free accidental death insurance of up to Rs.50 Lakh

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Best suited for:  Dining  Travel  Lounge Access

Key Features

• Reward Points – Earn 4 reward points for every Rs.150 spent across all categories
• Exclusive Lounge Program – 6 Complimentary accesses to 25+ Domestic and 700+ International Lounges
• Dining Discounts – Enjoy 15% discounts at some of the finest restaurants in the country
• Travel Benefits – Air accident cover of Rs.1 Crore

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Best suited for:  Dining  and Cashback

Key Features

• EasyEmi Facility – Any transaction made above Rs.10,000 will be converted into EasyEMI facility for 9 months
• Cashback – Earn 5% cashback on all the spending with a minimum cashback of Rs.2,250 every month
• Fuel Surcharge Waiver – 1% fuel surcharge is waived off on all the fuel transactions with minimum transaction of Rs.400
• 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 speciality restaurants
  • Enjoy 25% discount on Buffet service

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Users can earn excellent rewards with HDFC Bank Diners Club Rewardz and HDFC Solitaire credit card.

Best suited for:  Rewards  Dining  Travel

Key Features

• Welcome Benefits – Get 500 bonus Reward Points on the first International transaction
• Milestone Benefits –Avail Rs.2000 voucher from Yatra on spending Rs. 1, 50,000/- in a year
• Reward Points – Earn 3 reward points for every Rs.150 spent on retail
• Travel Benefits – Book hotel and airline tickets with over 150 Airlines and hotel chains
• Dining Discounts – Enjoy 15% dining discounts on select partner restaurants

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Best suited for:  Rewards and Travel

Key Features

• Membership Privileges – Enjoy complimentary annual membership of Club Marriott, Zomato Gold, Amazon Prime and MakeMyTrip
•  Lounge Access- Get access to over 800+ Airport lounges globally
• Golf Benefits – Access to 6 complimentary golf course reservation every quarter globally
• Reward Points – Earn 5 Reward Points per Rs. 150 spent on retail. 1 Reward Point= Re. 1

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Best suited for:  Rewards and Shopping

Key Features

• Shopping Vouchers –  HDFC bank offers exclusive shopping vouchers on spending Rs. 75,000 every 6 months
• Milestone Reward: Users can earn over Rs. 2,000 worth of Reward Points on spending Rs. 5.00 lakh annually
• Cashback: Cardholder can convert their accumulated reward points into cash which can be used to pay the credit card bill
• Rewards Points: The card offers attractive reward rate of 3 reward points on every Rs. 150 spent

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Please note that the cards mentioned in the table below are not available on Paisabazaar.com. Kindly visit HDFC Bank’s official website to apply for these.

*Terms and Conditions Apply

HDFC Infinia

This card is not available on Paisabazaar.com. Kindly visit HDFC Bank’s official website to apply for this.

Key Features

• No pre-set spending limit- This allows you to spend beyond your assigned limit. This facility may be available to users on the basis of spend and repayment pattern
• Priority Pass Membership- You can get preferential access to more than a thousand airport lounges across the globe
• Low Foreign Currency Mark-up Fee- HDFC Bank offers one of the lowest forex mark-up fees, which is 2%

HDFC Doctors Superia

This card is not available on Paisabazaar.com. Kindly visit HDFC Bank’s official website to apply for this.

Key Features

• Welcome Benefits – Get 1000 Reward Points as welcome gift
• Reward Points – Get 3 Reward Points on every Rs 150 spent
• Dining Benefits – Get 50% more reward points on dining spends
• Milestone Benefits – Get air miles worth Rs. 8,000 on spending Rs. 5.00 lakh in an anniversary year

HDFC Teacher’s Platinum

This card is not available on Paisabazaar.com. Kindly visit HDFC Bank’s official website to apply for this.

Key Features

• Reward Points – Get 2 Reward Points for every Rs 150 spent
• Shopping Benefits – Earn 6 Reward Points for every Rs 150 spent on shopping
• Milestone Benefits –  Air Miles worth Rs. 8,000 on spending Rs. 5.00 lakh in an anniversary year
• Fee Reversal – Renewal fee reversal on spending Rs. 50,000 in an anniversary year

HDFC Platinum Edge Credit Card

This card is not available on Paisabazaar.com. Kindly visit HDFC Bank’s official website to apply for this.

Key Features

• Reward Points – You earn 2 platinum reward points on each Rs.150 spent on the card
• Dining Benefits – Card Holders can enjoy 50% more Reward Points on all dining expenditure
• Fuel Surcharge Waiver – 1% fuel surcharge is waived off on fuel transactions for a minimum of Rs.400
• Interest-Free Period – You get an interest-free period of 50 days from the date of purchase on the card

HDFC Titanium Edge

This card is not available on Paisabazaar.com. Kindly visit HDFC Bank’s official website to apply for this.

Key Features

• Reward Points – 2 Reward Points per Rs. 150 spent. 3 Reward Points per Rs. 150 spent on dining
• Fuel Surcharge Waiver – 1% waiver on fuel surcharge at fuel stations on minimum transaction of Rs. 400
• Interest-Free Credit – Get up to 50 days of interest-free credit on Titanium Edge Credit Card
• Insurance/Protection – On making 4 transactions per month on the credit card avail the following coverage:

Accidental Death Insurance – Up to Rs. 50 lakhs

Fire & Burglary Protection – Protections of goods over Rs. 5000 for 180 days

HDFC Diners Club Premium

This card is not available on Paisabazaar.com. Kindly visit HDFC Bank’s official website to apply for this.

Key Features

• Lounge Access – Cardholders enjoy unlimited access to lounges at domestic airports in India
• Reward Points – Users earn 4 Reward Points per Rs. 150 spent
• Concierge Services – Cardholders can make flight bookings, car hires, golf course reservations and courier services through this service

Every time you use your HDFC 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.

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.

There are a number of ways in which you can pay your HDFC credit card bills.

Net Banking- You can make payment of your HDFC credit card bill directly by logging into your HDFC net banking portal. For this you should first add your credit card to net banking.

Bill Desk- If you do not have an account in HDFC Bank, you can use other bank’s net banking facility to make the payment by going to the HDFC bill desk.

HDFC Bank Mobile Banking Apps– It is even easier to make payment through your mobile banking app but for this you need to add the credit card to your net banking first.

ATM Funds Transfer- HDFC Bank also offers the facility of transferring funds from your savings or current account to your credit card account.

NEFT- HDFC also allows its users to pay their credit card bills through NEFT from other bank accounts. Just enter your card number in place of account number and use IFSC Code HDFC0000128.

Autopay- You can also set standing instructions on your HDFC Bank savings account or current account to pay off your credit card bill per month.

Over the Counter Cash Payment- Credit card users can walk into the nearest HDFC Bank branch and make cash payment but a processing fee of Rs. 100 will be charged for the same.

Payment by Cheque- Users can also deposit a cheque payable to the HDFC BANK Card A/c (you should mention your Credit Card number) at any of the branches or ATM dropbox.

Though the eligibility for different HDFC cards is based on several factors, there are some basic requirements that every applicant should meet-

• Age – 21 and 65 years
• Occupational Status – Should be salaried/self-employed
  

For HDFC credit card application, you are required to submit some relevant documents such as income proof, identity proof and address proof.

You can compare different credit cards by HDFC Bank and apply for them directly 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 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.

HDFC Credit Card users can get in touch with the bank’s customer care via call, email and SMS.

HDFC Bank credit card customer care Toll Free number: (prefix STD Code) 6160-61616

HDFC Bank credit card customer care address for communications through mails and couriers:

For Regular Post:

Manager,
HDFC Bank Cards Division,
PO BOX # 8654
Thiruvanmiyur PO Chennai – 600 041

For Courier:

Manager,
HDFC Bank Cards Division,
# 8, Lattice Bridge Road,
Thiruvanmiyur, Chennai – 600 041

In case of complaints, HDFC Bank credit card customers can fill the complaints form available on the official website of HDFC Bank or visit at the given link:

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 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 the 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.