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HDFC Credit Card

HDFC credit cards come with benefits across multiple categories. Using the right card, you can save a substantial amount when you shop, travel or dine. From entry-level cards like Moneyback and Millennia to premium options like Infinia and Diners Club Black, HDFC Bank has credit cards suiting everyone’s needs.

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Other HDFC Credit Cards

Apart from the above-mentioned credit cards, the bank also offers other credit cards, such as HDFC Moneyback, IndianOil HDFC, Intermiles HDFC and more. Below mentioned are some of the popular credit cards:

Credit CardsAnnual FeeBest Suited For
HDFC Diners Club Black Credit Card ₹ 10,000Travel & Lifestyle
HDFC Bank Diners ClubMiles Credit Card₹ 1,000Travel
InterMiles HDFC Bank Platinum Credit Card₹ 1,000Travel
Tata Neu Infinity HDFC Bank Credit Cards₹ 1,499Shopping
IRCTC HDFC Bank Credit Card₹ 500Travel
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Features and Benefits of HDFC Credit Cards

Though each HDFC card comes with a different set of benefits, there are some common features that most credit card from HDFC Bank would have. These features are shown below:

EMI Conversion- Using HDFC Bank’s Smart EMI facility, you can convert big-ticket transactions into instalments and pay off over a period of 3 to 24 months, or higher in some cases. Interest is usually applicable on such EMIs, however, the bank also offers no-cost EMI facility with select merchants.

Loan on Credit Card- HDFC Bank also offer loan on credit card under their Insta Loan and Insta Jumbo Loan facilities. In case of Insta Loan, your limit will be blocked for the amount you borrow whereas in case of Insta Jumbo Loan, you can get an amount over and above your available credit limit. The eligible loan amount and interest rates, however, vary from user to user.

Balance Transfer- If you have outstanding balance on a credit card from some other provider and finding it difficult to pay off, you can transfer the balance to your HDFC credit card. This will allow you to make payments in easy instalments without any penalties or finance charges. Note that interest rates will still be applicable on balance transfers but the rate will be lower than credit card finance charges.

HDFC RuPay Credit Cards can now be used on UPI- 17th Feb, 2023 Similar to debit cards, you can now use your HDFC RuPay Credit Cards on BHIM UPI and all other UPI-enabled apps. This feature will add more flexibility to credit card usage, and offer higher access to immediate funds. The Bank ensures that these credit card-UPI-enabled payments will be safe and secure for all digital transactions.

HDFC Credit Card: Fees & Charges

Some of the common HDFC Credit Card fees and charges are mentioned in the table below:

Fee TypeAmount
Joining/ Annual FeeVaries for all HDFC Credit Cards
Finance ChargesUp to 3.6% p.m. | 43.2% p.a. (varies from card to card)
Late Payment Fee
For Outstanding BalanceFee
Less than Rs. 100Nil
Rs. 100 to Rs. 500Rs. 100
Rs. 501 to Rs. 5,000Rs. 500
Rs. 5,000 to Rs. 10,000Rs. 600
Rs. 10,001 to Rs. 25,000Rs. 800
Rs. 25,001 to Rs. 50,000Rs. 1,100
More than Rs. 50,000Rs. 1,300
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Click here to view other associated fees and charges related to HDFC Bank credit cards.

HDFC Credit Card: Eligibility & Documentation

The common eligibility criteria to apply for HDFC credit cards is as follows:

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You should be aged between 21 years and 60 years to apply for HDFC Credit Cards.

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You can apply if you are either Salaried or Self-employed.

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Click here to find the list of documents accepted by HDFC Bank.

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Click here to check the list of cities where HDFC credit cards are issued.

Apply for HDFC Credit Card Online

You can apply for HDFC credit cards through Paisabazaar through a completely digital process. Follow the steps given below:

  1. Provide your mobile number in the form to start the application process.

  2. Provide your OTP for verification to check pre-approved offers.

  3. Compare available options and select the best HDFC credit card as per your requirements.

  4. Apply for the suitable credit card and provide documents for smooth processing of the application.

FAQs

You can pay your HDFC Bank Credit Card bill through online and offline methods. To pay your HDFC card bill online, you can use HDFC net banking or mobile banking facility. You can also use HDFC mobile app or use HDFC credit card bill desk to make the payment online. To pay the bills offline, you can visit the nearest branch of the bank and pay via cheque or cash.

Yes, to apply offline, you can visit the nearest branch of the bank and contact an executive regarding the application process. You need to fill out and submit an application form along with the required documents. The bank will verify your documents and process your application.

If you are already an HDFC Bank customer having a salary/savings/current account with the bank, you can easily link your credit card to your net banking service. However, if you have got an HDFC credit card but do not avail any other service from the bank, you can still register for HDFC credit card net banking. Follow this process: 1. On HDFC Bank’s official website, go to ‘Ways to bank’ section 2. Select ‘Bank online’ and then go to ‘credit card net banking’ 3. Click on ‘Register for credit card netbanking’ 4. Choose a Login ID and enter your details- name, credit card number, PIN, expiry date and create a new password for your account 5. Submit the form 6. If all the details are correctly entered, your HDFC credit card net banking account will be created

Visit HDFC Bank’s official website, then go to the ‘Credit Cards’ section, scroll down to the ‘Important Links’ section, then you will be redirected to another page. Here, you can check HDFC credit card status online using a combination of any of these details: 1. Application reference number and mobile number 2. Application form number and mobile number 3. Date of birth and mobile number Enter the details and submit.

If you have been using your card for a long time, utilize a significant portion of the available limit and make regular timely payments, HDFC Bank may offer a higher credit limit. They will convey your enhanced limit via SMS or email which you need to approve. However, if the bank does not offer you a higher limit on its own, you can request a limit increase by speaking to the customer service executive or by writing a letter to the bank. In this case, you may also be required to submit your latest income documents.

The income requirement is different for each HDFC credit card. HDFC Moneyback, which is an entry-level card, has the minimum income requirement of Rs. 25,000 p.m. Whereas, HDFC Regalia Credit Card has the minimum income criteria of Rs. 1 Lakh p.m. You can check the income requirement for each card on the respective card page on HDFC Bank’s official website.

HDFC Bank prefers to give credit cards to people who have good credit score (preferably above 750). However, the bank also offers entry-level credit cards that are designed for people who are new to credit. You can apply for such cards if you want to start your credit journey. Besides this, if you have a salary account with the bank, you will have better chances of credit card approval.

If you don’t meet the eligibility criteria or some internal policies of HDFC Bank, then the bank may reject your request. Generally, the bank sends a message on your registered mobile number regarding your application status. Additionally, you can also call on the HDFC Credit Card customer care number and ask the representative about your query regarding rejection.

You can contact HDFC Credit Card customer care on 1800-202-6161/ 1860-267-6161. This number is accessible across India. Additionally, if you have any other query, you can also fill a feedback form by visiting the official website of the bank. The email address for HDFC customer care is customerservices.cards@hdfcbank.com.

Yes, HDFC Bank offers loan on credit card to select cardholders. You can avail the ‘Insta Loan’ facility wherein the amount is deducted from your available credit limit. However, HDFC Bank also offers ‘Insta Jumbo Loan’ which is a personal loan against credit card. Eligible loan amount and interest rates vary from one user to another.

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