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HDFC Bank is the largest player in the Indian credit card marketplace. The bank offers a varied range of credit cards that are each loaded with unique features and benefits. While some are well-suited for shopaholics, others provide exclusive travel privileges and rewards. At Paisabazaar.com, you can find the best HDFC Credit Card that matches your needs. Choose from a variety of credit cards by HDFC, compare and apply online without any hassle.

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Top 8 HDFC Credit Cards

HDFC Credit Card Annual Fee
(in ₹)		 Renewal Fee
(in ₹)		 Key Features
HDFC Regalia Credit Card 2,500 2,500 Complimentary Priority Pass and Taj Epicure Plus Membership.
HDFC Regalia First 1,000 1,000 Complimentary Priority Pass Membership giving access to 850+ international airport lounges.
HDFC MoneyBack 500 500 Convert Reward Points into cash credit (1 Reward Point = ₹ 0.20).
HDFC Freedom 500 500 1% fuel surcharge waiver subject to a maximum of ₹ 400 per statement cycle.
JetPrivilege HDFC Bank World 2,500 2,500 Premier check-in for all domestic flights of JetAirways.
HDFC Bank Diners ClubMiles 1,000 1,000 15% discounts at some of the finest restaurants in the country.
HDFC Bank Diners Club Rewardz 1,000 1,000 Exclusive Lounge Program Membership giving access to more than 25 airport lounges in India.
JetPrivilege HDFC Bank Diners Club Credit Card 10,000 5,000 Get 30,000 bonus JPMiles and 15 JetPrivilege Tier Points as welcome benefit.

*Terms and Conditions Apply

1. 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 the frequent travellers as well as the shopaholics. Although it attracts an annual fee of ₹ 2,500, the benefits that it entails are aplenty. Given below are some such features-

hdfc regalia

  • Get a welcome bonus of 2,500 reward points.
  • Enjoy up to 15% discount at select partner restaurants including some 5-star outlets.
  • Get complimentary Taj Epicure Plus Membership.
  • Get complimentary Club Vistara Membership which lets you earn 9 Club Vistara points for every ₹ 100 spent along with additional 5 kg baggage allowance.
  • Get access to more than 850 airport lounges across the world under the complimentary Priority Pass Membership.
  • Earn 4 Reward Points for every ₹ 150 spent on your Regalia Credit Card.
  • Accelerate your reward point earnings 5-times when you make PayZapp transactions. Also get additional 10% cash back on mobile recharges made through PayZapp.
  • Enjoy 0% surcharge on all your fuel purchases.
  • Redeem your rewards against exciting merchandise and gift vouchers. (1 reward point = ₹ 0.75)
  • Customize your travel and hotel experience with Travel Concierge Assistance available 24×7.

2. 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-

hdfc regalia first

  • Get complimentary Priority Pass Membership which gives you access to over 850 airport lounges across the globe.
  • Enjoy up to 15% discount across some leading restaurants across the country.
  • Get fuel surcharge waiver when you use your Regalia First Card for fuel purchase.
  • Accumulate rewards at the rate of 4 reward points for every ₹ 150 spent.
  • Redeem the reward points for free air tickets and other gifts and merchandise (1 reward point = ₹ 0.75)
  • Get 5X Reward Points on all PayZapp transactions & Additional 10% Cash Back on all recharges through PayZapp.
  • Enjoy lowest foreign currency markup of 2% on all your foreign currency spends
  • Get air accident cover of 50 Lakh and Emergency Overseas Hospitalization cover of ₹ 10 Lakhs to secure you against medical emergencies when you are travelling abroad.

3. HDFC Bank MoneyBack Credit Card

This HDFC credit card is good for everyday shopping as it gives cashbacks. It attracts an annual fee of ₹ 500 only which is waived off on spending ₹ 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-

hdfc moneyback

  • Get 500 bonus reward points as welcome gift.
  • Enjoy 1% fuel surcharge waiver across all fuel stations in the country subject to a maximum waiver of ₹ 250 per statement.
  • Earn 2 reward points for every ₹ 150 spent on your credit card.
  • Enjoy 100% more reward points on your online spends.
  • 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.
  • Redeem your rewards for exciting vouchers and air miles from HDFC’s rewards catalogue. (1 Reward Point = ₹ 0.20)

4. HDFC Freedom

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

hdfc freedom

  • Earn 1 reward point for every ₹ 150 spent across all categories.
  • Earn 5-times more reward points when you spend on movies, groceries, dining, taxis and railway ticket bookings.
  • Earn 10X reward points on PayZapp & SmartBuy spends.
  • Use your credit card on your birthday and get 25-times more rewards.
  • Redeem your rewards for gift vouchers or direct statement credits.
  • Spend Rs. 90,000 or more in a year and get ₹ 1,000 gift voucher.
  • Enjoy 1% fuel surcharge waiver subject to a maximum cashback of ₹ 400 per statement cycle.
  • Get zero lost card liability cover when you report the loss immediately.
  • Get Renewal fee waived on spends of ₹ 60,000 in a year prior to renewal date.

5. 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 ₹ 2,500 and gives numerous benefits to its users. You can save on flight bookings and enjoy exclusive privileges. Some of its features include-

jet privilege world

  • Get 10,000 bonus JP Miles as joining benefit.
  • Avail 4000 JP Miles on first swipe within 90 days of card renewal date
  • Enjoy savings on the flight bookings made on Jet Airways website for one time.
  • Earn 6 JP Miles on every ₹ 150 spent.
  • Earn 18 JP Miles for every ₹ 150 when you use this card to make flight bookings on Jet Airways website.
  • Get 5X Reward Points on all PayZapp transactions & Additional 10% Cash Back on all recharges through PayZapp.
  • Get complimentary access to over 600 airport lounges across the world.
  • Enjoy premier check-in for all domestic flights of JetAirways
  • Avail up to 3 add-on cards on your primary credit card.

6. 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 ₹ 1,000. Let’s talk about some of its key features-

hdfc clubmiles

  • Enjoy 15% discounts at some of the finest restaurants in the country.
  • Be a part of the Exclusive Lounge Program and get access to leading lounges across the world.
  • Get up to 6 Complimentary access to 25+ Domestic Lounges and 700+ International Lounges.
  • Earn 4 reward points for every ₹ 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 = ₹ 0.50)
  • Get air accident cover of ₹ 1 Crore and emergency medical expense cover of ₹ 25 Lakh.
  • Enjoy Diners Club Privileges in over 70 different countries.

7. 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 ₹ 1,000 which will be reversed if you spend ₹ 1 Lakh in a year. Some exciting benefits of this credit card include-

hdfc dinersclub rewards

  • Earn 3 reward points for every ₹ 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)
  • Be a part of the Exclusive Lounge Program and get access to more than 25 airport lounges in India.
  • Accumulated reward points are valid up to 2 years from the date of earning them.

8. 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 ₹ 5,000 while the one time joining fee is ₹ 10,000. Given below are some features of this card-

hdfc dinerclub jetprivilege

  • Get 30,000 bonus JPMiles as welcome benefit. Also get 15 JetPrivilege Tier Points within the first 90 days.
  • Earn JPMiles every time you use your credit card to make transactions. Spending ₹ 150 gives you 8 JP Miles.
  • Accelerate your reward points three-times when you use the card to book flight tickets on Jet Airways.
  • Get unlimited complimentary access to over 600+ airport lounges across the world.
  • Enjoy unlimited access to premium golf clubs globally and unlimited golf training.
  • Get exclusive dining privileges across several partner restaurants.
  • Get 1 JetPrivilege Tier Point for every ₹ 1,50,000 retail spends with the card to move towards faster Tier upgrades.
  • Avail additional baggage allowance at domestic airports.
More HDFC Bank Credit Cards
HDFC Bank Credit Card Rewards Program
HDFC Bank Credit Card Bill Payment
HDFC Bank Credit Card Eligibility and Documentation
How to Apply for HDFC Bank Credit Cards
HDFC Bank Credit Card Customer Care
HDFC Credit Card - NEWS

More HDFC Bank Credit Cards

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.

HDFC Credit Cards Joining Fee
(in ₹)		 Renewal Fee
(in ₹)		 Key Features
HDFC Infinia 10,000 10,000 Premium travel privileges and complimentary access to golf courses in India and across the world
Diners Club Black 10,000 5,000 Redeem reward points for booking air tickets/hotels across 150+ airlines and choicest hotels (1 reward point = ₹ 1)
JetPrivilege HDFC Bank Platinum 1,000 1,000 Save up to ₹ 5,000 every year on your air tickets and fuel. Also get complimentary access to airport lounges in India.*
Platinum Times Card 1,000 1,000 Enjoy up to 25% off on movies and up to 20% off on dining at select multiplexes and restaurants.*
Titanium Times Card 500 500 Enjoy up to 25% off on movies and up to 20% off on dining at select multiplexes and restaurants.*
Maruti Suzuki NEXA HDFC Bank AllMiles Credit Card 1,000 1,000 Get 1,000 bonus reward points on payment of joining fee and renewal fee*
Snapdeal HDFC Bank 500 500 Avail flat 5% instant discount on purchases made on Snapdeal.
Doctors Superia 1,000 1,000 Welcome benefit of 1,000 reward points and complimentary Priority Pass Membership
Teachers Platinum 500 500 Earn 3 times more reward points on weekends and get bonus rewards on Teacher’s Day.
Platinum Edge 500 500 1% Fuel Surcharge waived off on fuel transactions subject to a maximum waiver of ₹ 250 per statement cycle
Titanium Edge 500 500 Enjoy 50% more reward points on all your Dining spends
Diners Club Premium 2,500 2,500 Be a part of Exclusive Lounge Program and get Complimentary access to 25+ Domestic Lounges within India and 700+ Lounges Worldwide
HDFC Solitaire 500 500 Exclusive benefits for women. Enjoy shopping vouchers of total worth ₹ 2,000 every year.*

*Terms and Conditions Apply

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 Card Reward Points Accelerated Rewards
HDFC Regalia Credit Card 4 Reward Points per ₹ 150 9 Club Vistara(CV) points for every ₹ 100 spent on All Vistara Flights
HDFC Regalia First 4 Reward Points per ₹ 150 N/A
HDFC MoneyBack 2 Reward Points per ₹ 150 2X more rewards on online spending
HDFC Freedom 1 Reward Point per ₹ 150 5X reward points on Dining/Movies/Groceries/Railways /Taxi
10X reward points on PayZapp & SmartBUY spends
25X reward points on Birthdays spends
JetPrivilege HDFC Bank World 6 JPMiles per ₹ 150 18 JPMiles per ₹ 150 spent on every flight ticket booked on www.jetairways.com
HDFC Bank Diners ClubMiles 4 Reward Points per ₹ 150 N/A
HDFC Bank Diners Club Rewardz 3 Reward Points per ₹ 150 N/A
JetPrivilege HDFC Bank Diners Club Credit Card 8 JPMiles per ₹ 150 24 JPMiles per ₹ 150 spent on every flight ticket booked on www.jetairways.com

Rewards Redemption Process

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.

Know more

HDFC Bank Credit Card Bill Payment

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.

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HDFC Bank Credit Card Eligibility and Documentation

Though the eligibility for different HDFC credit 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

How to Apply for HDFC Bank Credit Cards

Apply at Paisabazaar.com

At Paisabazaar.com, you can compare different credit cards by HDFC Bank and apply for them directly. 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 on Paisabazaar.com.

Step 1- Click here to visit the credit card section on Paisabazaar.com.
Step 2- Enter your basic details like occupation, monthly income, residence pincode and contact number. You will be land onto a list of different credit cards.
Step 3- Filter the results for HDFC credit card by selecting the same.
Step 4- Compare the features and benefits on different HDFC Credit Cards and select one that matches your needs.
Step 5- After you have selected a card, you must check your eligibility by entering some more details.
Step 6- If you are eligible, you can complete the online application.

An executive will collect the documents at your doorstep and the credit card will reach you within a week.

You can also apply for HDFC credit cards online directly through their website. In order to apply online, you need to visit the HDFC Bank official website and follow the process given below-

  • Select the credit card you wish to apply for.
  • Click on ‘Apply Online’ button.
  • Fill in your personal details such as name, date of birth, contact number, address, etc.
  • Fill in your employment details including the gross monthly income, name of the employer, etc.
  • Enter the captcha code and submit the form.
  • You will get a call from HDFC Bank regarding the application after which an executive from the bank will visit you to collect the relevant documents.
  • Once your application is approved, the credit card will be delivered at your address within a week.

For offline application, you can visit the nearest branch of HDFC Bank and meet a credit card representative who will guide you through the application process. You will be required to fill out the form and submit the relevant documents.

HDFC Bank Credit Card Customer Care

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: 1800 266 4332, 6160 6161

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:

Know more

HDFC Credit Card - NEWS

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
HDFC Bank HDFC Credit Card
(4.7/5 ) 6 Reviews
Write a review
Jan 12 , 2017
5/5
Excellent

I am a customer of HDFC since 5 years. I use only HDFC banking products and services as the bank provides very good options as per my needs. Recently, I applied for HDFC Jet Priviledge credit card and I received a welcome benefit of 10,000 JP miles a..Read more...

Jan 10 , 2017
5/5
Great card

I am using HDFC Platinum Times credit card since last 6 months and so far this has been the best card for lifestyle benefits. My card is eligible for 25% discount on movie tickets and 20% on dining bills. I have also received many shopping vouchers a..Read more...

Dec 23 , 2016
4/5
The best so far

With my HDFC credit card it has become very easy to pay all my bills. I can pay all my utility bills very easily with their auto pay features. However, my card had a joining fee of Rs 500, but there were many benefits with my credit card. I received ..Read more...

Dec 23 , 2016
4/5
Great card

This HDFC Diners club card is a very good credit card. I use it as per my needs only and try avoid over using it. I use this card for 2k transaction weekly which gets waived off on fuel transactions later. The services of my credit card are really ni..Read more...

Dec 1 , 2016
5/5
Best credit card!

I am using my HDFC credit card for more than a year. This is the best credit card and its is accepted at all transaction points. I got 30000 bonus JP miles and 15 jet privilege tier points. I have unlimited airport lounge access complimentary with my..Read more...

Nov 15 , 2016
5/5
GREAT SERVICE

I am using this credit card since 2 months now. This is a very good credit card with lots of benefits. I am very happy about the redeem points, I get cashback at every transactions I make. The website is also very good. I applied for my card in just ..Read more...

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