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HDFC Credit Card: Top 10 Credit Cards, HDFC Credit Card Login and Eligibility

Home HDFC Bank HDFC Credit Card: Top 10 Credit Cards, HDFC Credit Card Login and Eligibility

Here is a list of top 10 HDFC Credit Cards along with their primary features, annual fee, and minimum income requirements to help you pick a suitable card. Read about the eligibility criteria and compare the cards to apply for the best HDFC Credit Card.

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हिंदी में पढ़े
Updated: 07-06-2021 12:12:47 PM

Note: As per RBI Advisory, HDFC Bank is not accepting new applications for credit cards.

To choose the best credit card, you should be mindful of your spending patterns, requirements and how much you can spend annually/monthly. Let’s have a look at the best HDFC Credit Cards for your reference.

List of Top 10 HDFC Credit Cards in India 2021

Credit CardAnnual Fee (in Rs.)Best Suited For
HDFC Regalia Credit Card2,500Shopping & Travel
HDFC MoneyBack Credit Card500Rewards & Shopping
HDFC Millennia Credit Card1,000Cashback
HDFC Titanium Times Credit Card500Movies & Dining
HDFC Platinum Times Credit Card1,000Movies & Dining
HDFC Diners Clubmiles Credit Card1,000Travel
HDFC Diners Club Rewardz Credit Card1,000Rewards
HDFC Diners Club Black Credit Card10,000Travel
HDFC IndianOil Credit Card500Fuel
HDFC Diners Club Privilege Credit Card2,500Shopping & Travel

Primary Features of Best HDFC Credit Cards

HDFC Regalia Credit Card

HDFC Regalia Credit Card

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500 (waived off on spending Rs. 3 Lakh in the previous year)

Key Features:

Welcome Benefit– Complimentary Dineout Passport 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

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 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

Read HDFC Regalia Credit Card Review

HDFC MoneyBack Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500 (waived off on spending Rs. 50,000 in the previous year)

Key Features:

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

Read HDFC Moneyback Credit Card Review

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HDFC Millennia Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 1 Lakh in the previous year)

Key Features:

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

Read the Latest Review of HDFC Millennia Credit Card

HDFC Platinum Times Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 2.5 Lakh in the previous year)

Key Features:

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

Read HDFC Times Credit Card Review

HDFC Titanium Times Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500 (waived off on spending Rs. 1.5 Lakh in the previous year)

Key Features:

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.

HDFC Diners Clubmiles Credit Card

HDFC Diners ClubMiles Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 1 Lakh in the previous year)

Key Features:

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

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

Read HDFC Diners Clubmiles Credit Card Review

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HDFC Diners Club Rewardz Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 1 Lakh in the previous year)

Key Features:

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

Read HDFC Diners Club Rewardz Credit Card Review

HDFC Diners Club Black Credit Card

HDFC Diners Club Black Credit Card

Joining Fee: Rs. 10,000
Annual Fee: Rs. 10,000 (waived off on spending Rs. 5 Lakh in the previous year)

Key Features:

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

Compare: HDFC Diners Club Black Vs. SBI Card Elite

HDFC IndianOil Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500 (waived off on spending Rs. 20,000 in the previous year)

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

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

HDFC Diners Club Privilege Credit Card

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500 (waived off on spending Rs. 3 Lakh in the previous year)

Key Features:

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

Read Detailed Review of HDFC Diners Club Privilege Credit Card

Table of Contents

Types of Credit Cards offered by HDFC Bank

HDFC Credit Cards, like credit cards from most banks, have been designed to meet the varied needs of different customer segments. The bank offers premium credit cards, super-premium credit cards, premium travel credit cards, cashback credit cards, women’s credit cards, co-branded credit cards and business credit cards.

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.

Type of CardBest HDFC Credit Cards as per Category
Lifestyle Credit Cards
Rewards & Cashback Credit Cards
Travel Credit Cards
Entertainment Credit Cards
Fuel Credit Cards
Premium Credit Cards

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

Income Eligibility for Top HDFC Credit Cards

HDFC Credit CardMinimum Income for SalariedMinimum Income for Self-employed
HDFC Regalia Credit CardRs. 70,000 p.m.ITR of more than Rs. 8.4 Lakh p.a.
HDFC Moneyback Credit CardRs. 25,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Millennia Credit CardRs. 25,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Times Titanium Credit CardRs. 25,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Times Platinum Credit CardRs. 35,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Diners Clubmiles Credit CardRs. 30,000 p.m.ITR of more than Rs. 3.6 Lakh p.a.
HDFC Diners Club Rewardz Credit CardRs. 30,000 p.m.ITR of more than Rs. 3.6 Lakh p.a.
HDFC Diners Club Black Credit CardRs. 1,75,000 p.m.ITR of more than Rs. 21 Lakh p.a.
HDFC Indian Oil Credit CardRs. 10,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Diners Club Privilege Credit CardRs. 70,000 p.m.ITR of more than Rs. 8.4 Lakh p.a.

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’.

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HDFC Credit Card Fees 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
Joining FeeVaries from Card to Card
Annual FeeVaries from Card to Card
Finance ChargesUp to 3.6% per month, accounting to 43.2% per annum (varies from card to card)
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

Click here to check other associated fees and charges.

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

HDFC 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
Intermiles 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
Intermiles 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 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 credit card netbanking portal.

HDFC Credit Card Login for Netbanking

HDFC Bank offers online net banking services to its customers using which they can manage their credit card account conveniently. Here is the detailed process of HDFC Credit Card login:

  • You need to register for HDFC Credit Card Netbanking services using your registered mobile number and customer ID.
  • With HDFC Credit Card Netbanking, users can benefit from the following services-
    • Look at their previous 6-month statement easily
    • Registering or deregistering for an autopay option
    • Generating and/or resetting a PIN for the card
    • Blocking or hot listing the card
    • Application of the loan on the card
    • Request for conversion of the outstanding balance into EMI
    • Enhancement of the credit limit
    • Redemption of the reward points
    • Make credit card bill payment and more

To know more about HDFC Credit Card Login to Netbanking, Click Here.

HDFC Credit Card Payment Online and Offline

HDFC Credit Card Bill Payments can be done online as well as offline.

Online bill payment options for HDFC account holders include:

  1. Internet Banking
  2. Mobile Banking
  3. Mobile App
  4. Visa CardPay

Online bill payment options for non-HDFC account holders include:

  1. NEFT/RTGS
  2. HDFC Bill Desk
  3. Non-HDFC Bank’s website
  4. UPI

Offline modes for HDFC Credit Card Bill payment include:

  1. By cash
  2. ATM
  3. Standing instructions

To know about HDFC credit card bill payment options in details, Click Here

Quick Links to Manage 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.

HDFC Credit Card PaymentHDFC Credit Card Address ChangeHDFC Credit Card Statement
HDFC Credit Card Balance TransferHDFC Credit Card PIN GenerationHow to Block HDFC Credit Card
HDFC Credit Card Net BankingHDFC Credit Card Application StatusHDFC Credit Card Offers

HDFC 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.

To learn about more ways to reach HDFC credit card customer care, click here.

Frequently Asked Questions

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 a credit card that meets your requirements.

How to close HDFC credit card online?

If you want to block/hotlist your HDFC credit card, log in to HDFC credit card netbanking and select the ‘Credit Card Hotlist’ option. If you want to cancel your credit card, you can fill the HDFC Bank credit card closure form online. Once your application is approved, the bank will contact you to know the reason and confirm the cancellation. Click Here to read in detail.

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 a Gross monthly income of more than Rs.1.2 Lakh and for Self Employed individuals, you should be in the age bracket of 21-65 years with a Gross monthly income of more than Rs.12 Lakh per annum.

How to increase HDFC credit card limits online?

To increase your HDFC Credit Card limit online, you need to log in to the credit card netbanking portal. After that, go to the cards section and click on the ‘Request’ option. Now, select the ‘Credit Limit Enhancement’ option. Enter your credit card details and verify. A pop-up stating the relevant credit limit will appear if your card is qualified for a credit limit increase. The bank will verify your application and contact you for further processing.

How to pay HDFC credit card bill online?

You can pay your HDFC Credit Card bill online via the HDFC MobileBanking app and/or HDFC Credit Card Netbanking portal.

How to check HDFC credit card statements online?

You can check your HDFC credit card statement online by visiting the official HDFC website and logging in to your account. Go to ‘Cards’ and select the ‘Enquire’ option to view your statement. Besides that, you can also use HDFC MobileBanking App to download your billed statement.

How to change address in HDFC credit card online?

To change your address in HDFC credit card online, you need to login into the bank’s portal by using his registered user name and password. Go to the ‘Contact Details Update’ option and select ‘Update Address’. After that, attach the suitable address proof document and click on ‘Continue’. Once the document is verified the new address is updated automatically.

How to change HDFC credit card PIN online?

To change HDFC credit card PIN online, Visit the net banking portal and log in to your HDFC net banking account. Now, click on ‘Cards’ and choose the option, ‘Credit Card’. Select ‘Credit card options’ and go to ‘Change PIN’. verify by entering the OTP received on your registered mobile number. After that, enter a new 4-digit PIN as per your choice and confirm.

Which is the best HDFC credit card for travel?

HDFC Regalia Credit Card, HDFC Diners Club Miles Credit Card, and HDFC Regalia First Credit Card are the best travel credit cards. HDFC Travel Credit Cards provide exclusive travel benefits such as complimentary airport lounge, rewards on travel bookings, air miles conversion, and much more. One can also benefit from low forex markup fees on international spendings with HDFC cards.

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 a 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.

How can I apply for an HDFC credit card online?

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

Which HDFC credit card is free?

There are a number of HDFC Credit Cards with a low annual fee and welcome vouchers that compensates for the joining and/or annual fee, making it a free credit card. HDFC Moneyback, HDFC Solitaire, HDFC Freedom, and HDFC Times Titanium are some popular examples of low annual fee credit cards. To read in detail, click here.

HDFC Credit Card News

RBI’s Resolution Framework 2.0 – A second moratorium for individual borrowers
6th May 2021

RBI has made an announcement asking lenders to provide restructuring options for the borrowers who are finding it difficult to repay loans, as the second wave of coronavirus has emerged. The new restructuring 2.0 (second loan moratorium) options will be available to individuals and small businesses who had availed the restructuring earlier and even for those who had not availed the same. For all the individual borrowers, the loan amount should be up to Rs. 25 crore and they should not have availed restructuring under any of the earlier restructuring frameworks plus the loans are required to be classified as standard loans as of March 31, 2021. RBI has permitted the interested borrowers to apply for a moratorium anytime till September 30, 2021.

Magicbricks Partners with Razorpay and HDFC Bank to Offer Online Rent Payment via Credit Cards
16th March 2021

Magicbricks, a property portal in India, has tied up with Razorpay and HDFC Bank to provide its users with the facility of paying rent online via credit cards. Rent is one of the biggest monthly expenses for any individual. By paying rent via credit cards, the consumers will be able to earn rewards which is evidently a good deal. And, with that, the user will also get an interest-free period of 45 days.

Further, after the transaction is completed successfully, it will be credited to the landlord’s account within four days. After that, a rent receipt will be issued to the tenant.

In the words of Mr Sudhir Pai, CEO of Magicbricks, offering a secured ‘pay rent via credit cards’ feature will address all the concerns of tenants in today’s challenging economic environment. It will offer a trusted, flexible, and rewarding way to bear one of the most important monthly expenditures.

Paying rent via credit cards will also help the consumers tide over the short-term financial crunch. However, even if one opts for an EMI facility, the interest on credit card dues will be substantial.

Indigo celebrates 1 year of ‘6E Rewards’ with exciting gifts & benefits for the members
17th February, 2021

In February 2020, HDFC Bank collaborated with Indigo to launch travel credit cards best suited for frequent Indigo flyers. Labelled as Ka-Ching, the card was launched in two variants- regular (Rewards) and premium (Rewards XL). To celebrate the successful one year completion, Indigo has announced that it will be providing additional benefits for all the 6E Rewards Credit Cardholders. The members will get guaranteed benefits on every spend of Rs. 4,000. Indigo has also collaborated with various popular brands including  INOX cinemas, Accor Hotels, Hamleys, Puma, LionsGate Play etc. to provide guaranteed benefits to the users. 

Indigo has also come up with a contest where people have to make spend using their 6E Reward Credit Card and share their personal experience on social media by tagging  IndiGo with a post titled ‘How I saved money with 6E Rewards #6ERewardsTurnsone’.  All the participating members will be eligible for a lucky draw contest to win Sony wireless headphones, Apple MacBook Pro and 25 lucky winners will get a couple return air tickets to their preferred destination. The contest has already started and will continue till 28th February, 2021. 

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.
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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 Credit Card
(3.9/5 ) 7947 Reviews
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Jun 2, 2021
3/5
Good card with travel benefits

I got a travel-specific HDFC credit card in 2019. Luckily, I got a chance to experience its travel perks in September 2019. A good card with a satisfactory rewards rate. I highly recommend HDFC credit cards for frequent travellers.

May 25, 2021
5/5
HDFC Moneyback Credit Card

This was my first credit card and I still have it with me because of a simple rewards program and low fee. I have been able to earn good rewards with this card. Would totally recommend this for beginners.

Dec 23, 2019
4/5
Decent

It is a good credit card that gave benefits on entertainment. I am satisfied with this.

Nov 23, 2019
5/5
Just A click and all Done

Hi! i am very satisfied with the service because I got The Card in Just a single click with good limit. Really thanks to Paisabazaar and Ankit Pandey(EW04877).

Aug 28, 2019
5/5
Incredible card

It is truly addictive as the advantages are plenty. In fact, what you pay for the card is negligible if you compare it with the offerings. Now it appears I can't live without this card

Aug 28, 2019
5/5
Incredible credit card

This card has no parallel. I have used plenty of credit cards but this offers innumerable benefits. Now it appears, I can't live without this card and it is truly addictive

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