HDFC Credit Card

*Terms and Conditions Apply

Shopping	Travel	Dining
Rewards	Cashback	Movies

Shopping Credit Cards by HDFC Bank

The two most popular HDFC credit cards for shopping are Regalia and Regalia First.

HDFC Regalia Credit Card

HDFC Regalia Credit Card makes you a part of HDFC’s Elite Circle which gives you great saving opportunity along with world-class privileges. This card is best suited for frequent travellers as well as the shopaholics. Although it attracts an annual fee of Rs.2,500, the benefits that it entails are aplenty. Given below are some such features-

Welcome Bonus – Get a welcome bonus of 2,500 reward points and earn 4 reward points for every Rs.150 spent on your HDFC Regalia credit card

Reward Points – Accelerate your reward point earnings 5-times when you make PayZapp transactions. Get additional 10% cash back on mobile recharges made through PayZapp. You can also redeem your rewards against exciting merchandise and gift vouchers. (1 reward point = Re.0.75)

Dining Discounts – You can enjoy up to 15% discount at select partner restaurants including some 5-star outlets.

Zomato Gold Membership – Enjoy complimentary Zomato Gold Membership for a year with this credit card.

Convenience Fee Waiver – 1% convenience fee waiver on all fuel transactions. Waiver on the convenience fee is applicable for fuel transactions made between Rs.400 to Rs.5000 with Rs.500 being the maximum waiver per statement cycle.

Travel Benefits – Customize your travel and hotel experience with Travel Concierge Assistance available 24×7.

Vistara Membership – Get complimentary Club Vistara Membership which lets you earn 9 Club Vistara points for every Rs.100 spent along with an additional 5 kg baggage allowance.

Priority Pass Membership – Avail access to more than 850 airport lounges across the world under the complimentary Priority Pass Membership.

HDFC Regalia First

This HDFC Credit Card can be your first step towards a luxurious lifestyle. Designed to match your shopping and travel needs, this card also makes you a part of HDFC’s Elite Circle. You get to enjoy exclusive privileges and save big on every transaction. These are some of the great features which make this card a great addition to your wallet-

Reward Points – Accumulate rewards at the rate of 4 reward points for every Rs.150 spent. Redeem the reward points for free air tickets and other gifts and merchandise (1 reward point = Re. 0.75) Get 5X Reward Points on all PayZapp transactions & Additional 10% Cash Back on all recharges through PayZapp.

Dining Discounts – You can enjoy up to 15% discount at select partner restaurants including some 5-star outlets.

Convenience Fee Waiver – Get fuel surcharge waiver when you use your Regalia First Card for fuel purchase.

Save on International Spending – Enjoy lowest foreign currency markup of 2% on all your foreign currency spends

Travel Benefits – Get air accident cover of 50 Lakh and Emergency Overseas Hospitalization cover of Rs.10 Lakh to secure you against medical emergencies when you are travelling abroad.

Priority Pass Membership – Get access to more than 850 airport lounges across the world under the complimentary Priority Pass Membership.

Travel Credit Cards by HDFC

JetPrivilege HDFC Bank World and JetPrivilege HDFC Bank Diners Club Credit Card are among the popular travel credit cards by HDFC Bank.

JetPrivilege HDFC Bank World

Launched in collaboration with Jet Airways, this HDFC credit card is best suited for frequent travellers. The card attracts an annual fee of Rs.2,500 and gives numerous benefits to its users. You can save on flight bookings and enjoy exclusive privileges. Some of its features include-

Earn Air Miles – Earn 6 JP Miles on every Rs.150 spent. You can also earn 18 JP Miles for every Rs.150 when you use this card to make flight bookings on Jet Airways website.

Reward Points – Get 5X Reward Points on all PayZapp transactions & Additional 10% Cash Back on all recharges through PayZapp.

Travel Benefits – Get complimentary access to over 600 airport lounges across the world along with premier check in for all domestic flights of JetAirways. Enjoy savings on the flight bookings made on the Jet Airways website for one time.

Add-on card – Avail up to 3 add-on cards on your primary credit card.

JetPrivilege HDFC Bank Diners Club Credit Card

Another one co-branded with Jet Airways, HDFC credit card offers its users a multitude of travel benefits and privileges. This is an elite credit card and attracts an annual fee of Rs. 5,000 while the one-time joining fee is Rs.10,000. Given below are some features of this card-

Joining/Renewal Benefits – Get 10,000 bonus JP Miles as joining benefit and avail 4000 JP Miles on first swipe within 90 days of the card renewal date

Earn Air Miles – Earn 6 JP Miles on every Rs.150 spent. You can also earn 18 JP Miles for every Rs.150 when you use this card to make flight bookings on Jet Airways website.

Reward Points – Get 5X Reward Points on all PayZapp transactions & Additional 10% Cash Back on all recharges through PayZapp.

Travel Benefits – Get complimentary access to over 600 airport lounges across the world along with premier check in for all domestic flights of JetAirways. Enjoy savings on the flight bookings made on the Jet Airways website for one time.

Add-on card – Avail up to 3 add-on cards on your primary credit card.

Cashback Credit Cards by HDFC

For those who wish to earn cashback for all their purchases, HDFC Moneyback Credit Card and HDFC Freedom Credit Card are the best.

HDFC MoneyBack Credit Card

This HDFC credit card is good for everyday shopping as it gives cashback. It attracts an annual fee of Rs.500 only which is waived off on spending Rs.50,000 in the preceding year. You can also earn rewards which will be valid for 2 years from the date of accumulation. Given below are some of its features-

Welcome Bonus – Get a welcome bonus of 500 reward points

Reward Points – Earn 2 reward points for every Rs.150 spent on your HDFC MoneyBack credit card. Redeem your rewards for exciting vouchers and air miles from HDFC’s rewards catalogue. (1 Reward Point = Re.0.20)

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 subject to a maximum waiver of Rs.250 per statement.

Lost Card Liability Cover – Get benefit of zero lost card liability when you report the loss of credit card immediately. You will not be liable for the fraudulent transactions made on the card after reporting of loss.

HDFC Freedom Credit Card

As the name suggests, this HDFC credit card gives you the freedom to spend more and at the same time get some value back. This card comes with a minimal fee of Rs. 500 a year and can be a great addition to your wallet. Here are some of its benefits-

Reward Points – Earn 1 reward point for every Rs.150 spent across all categories. You can also earn 10X reward points on PayZapp & SmartBuy spends.

Accelerated Rewards – Earn 5-times more reward points when you spend on movies, groceries, dining, taxis and railway ticket bookings.

Birthday Benefits – Use your credit card on your birthday and get 25-times more rewards.

Reward Redemption – Redeem your rewards for gift vouchers or direct statement credits.

Avail Gift Vouchers – Spend Rs. 90,000 or more in a year and get Rs.1,000 gift voucher.

Fuel Surcharge Waiver – Enjoy 1% fuel surcharge waiver subject to a maximum cashback of Rs.400 per statement cycle.

Lost Card Liability Cover – Get benefit of zero lost card liability when you report the loss of credit card immediately.

Renewal Fee Waive off – Get Renewal fee waived on spends of Rs.60,000 in a year prior to the renewal date.

Movies Credit Cards by HDFC

Times Platinum and Times Titanium credit cards are the two best offerings of HDFC Bank for those looking for movie benefits.

HDFC Platinum Times Credit Card

It is an entertainment credit card by HDFC Bank and is available at an annual fee of Rs.1,000 only. Given below are a few important features of this credit card-

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 along with accelerated reward earning of 10 points per Rs.100 when you spend on dining during weekdays.

Fuel Surcharge Waiver – Save more on fuel as fuel surcharge of 2.5% plus service tax will be replaced by convenience fee of 1%.

Contactless Payments – You can pay by just waving your card in front of a POS machine as it is a contactless card.

Travel Benefits – On making minimum 4 transactions every month you get free accidental death insurance of up to Rs.50 Lakh and Rs.5,000 fire and burglary protection for 6 months.

HDFC Titanium Times Credit Card

Available at an annual fee of only Rs.500, this is a great credit card for those who like to go to movies or dine out. Following are the key benefits one can avail on this card-

Movies and Dining Discounts – Avail 25% discount on movies and 15% discount on dining out.

Welcome Benefits – Get a bouquet of welcome gift comprising of shopping, dining and apparel vouchers.

Reward Points – Get 2 reward points for every Rs.150 spent on the card. Reward points are valid for 2 years from the date of accumulation.

Fuel Surcharge Waiver – 5% fuel surcharge is converted into a 1% convenience fee to let the users save more on fuel.

Travel Benefits – Get free accidental death insurance of up to Rs.50 Lakh and fire and burglary insurance on good worth Rs.5,000 for 180 days when you use your card at least 4 times a month.

Contactless Payment – It is a contactless card so you can make transactions up to Rs.2,000 by waving the card at an NFC-enabled POS terminal.

Dining Credit Cards by HDFC

HDFC Bank Diners ClubMiles is a great card to get dining benefits.

HDFC Bank Diners ClubMiles

This card is again a great addition to frequent flyer’s wallets. It lets you elevate your travel experience and at the same time offers a whole new world of privileges and benefits, all for an annual fee of just Rs.1,000. Let’s talk about some of its key features-

Reward Points – Earn 4 reward points for every Rs.150 spent across all categories. Redeem reward points for booking air tickets or hotels with international and domestic airline and leading hotel chains. (1 reward point = Re.0.50)

Exclusive Lounge Program – Be a part of the Exclusive Lounge Program and get access to leading lounges across the world. Get up to 6 Complimentary accesses to 25+ Domestic Lounges and 700+ International Lounges.

Dining Discounts – Enjoy 15% discounts at some of the finest restaurants in the country along with Diners Club Privileges in over 70 different countries.

Travel Benefits – Get air accident cover of Rs.1 Crore and emergency medical expense cover of Rs.25 Lakh.

Rewards Credit Cards by HDFC

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

HDFC Bank Diners Club Rewardz

This Diner’s Club credit card by HDFC lets you earn several benefits and privileges every time you use the card to make transactions. The annual fee on this credit card is Rs.1,000 which will be reversed if you spend Rs.1 Lakh in a year. Some exciting benefits of this credit card include-

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. Redeem Reward Point for Air Miles across Jet Airways (JPMiles) or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.30 Air Mile)

Travel benefits – You can book hotel and airline tickets with over 150 Airlines and hotel chains for best traveling deals

Dining Discounts – Enjoy 15% dining discounts on select partner restaurants.

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

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-

• He/She should be aged between 21 and 65 years.
• He/she should be salaried/self-employed.
• He/she should be an Indian Resident or an NRI.

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

Proof of Identity	PAN Card Aadhaar Card Voter’s ID Card Passport Driving Licence Any other government approved photo ID
Proof of Address	Aadhaar Card Passport Utility bills (not more than 3 months old) Any other government approved ID
Proof of Income	Bank statement for the last 3 months Salary slips for the last 3 months Audited financials for the last two years (for self-employed) Form 16

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.

Follow the steps given below to apply for HDFC Credit Card.

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:

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.

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 balance From April 1, 2019 Less than ₹ 100 Nil ₹ 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 percent 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

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