HDFC VISA Signature Credit Card – For Travel Spends

HDFC VISA Signature Credit Card is a travel-focused credit card that offers reward points on travel expenses. The card offers a Free Priority Pass Membership worth $99 and a basic reward rate of 1.33% on all purchases (2 reward points per Rs. 150 spent). Read more to know about the detailed features and benefits of this card.

Key Highlights of HDFC VISA Signature Credit Card

2 reward points for every Rs. 150 spent Enjoy the comfort of over 600 global airports Save up to Rs. 8,300 on lounge access (Priority Pass membership worth $99) Get up to 3 add-on cards for your family Zero liability on the lost card if reported immediately

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.

Also read: Top 10 HDFC Credit Cards in India

On this page Features & Benefits Fees & Charges Eligibility & Documentation How to Apply? Other Similar Credit Cards FAQs

HDFC VISA Signature Credit Card: Features and Benefits

The benefits offered under VISA Signature Credit Card are as follows:

Reward Point: 2 reward points on every Rs. 150 spent. 

Priority Pass Membership: Free Priority Pass Membership worth $99 and save up to Rs. 8,300 on lounge access.

Add-on Cards: Get up to 3 add-on cards free for your family.

Interest-free Credit Period: Get 50 days of interest-free credit period.

Other Benefits: The additional benefits include:

• Zero liability on the lost card if reported immediately
• Protect yourself against fraud with the EMV Chip technology in your card
• Pay utility and phone bills with ease by registering your card for SmartPay

HDFC VISA Signature Credit Card: Fees & Charges

The fees and charges associated with Signature Credit Card are mentioned in the table below:

Fees / Charge	Amount
Joining Fee	Communicated at the time of sourcing
Renewal Fee	Communicated at the time of sourcing
Interest Charges	3.6% per month i.e. 43.2% annually
Late Payment Charges	For Statement Balance 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. 25,000 to Rs. 50,000 – Rs. 1,100 More than Rs. 50,000 – Rs. 1,300

Click here to check other associated fees and charges. 

HDFC VISA Signature Credit Card: Eligibility & Documentation

An applicant must fulfill the below eligibility to apply for this card:

Criteria	Details
Salaried Employee	21 to 60 years of age
Self-Employed	21 to 65 years of age
Serviceable Cities	Click here
Documents Required	Click here

How to Apply for HDFC VISA Signature Credit Card?

HDFC VISA Signature Credit Card is currently not being sourced by Paisabazaar. If you wish to apply for the same you can either visit the official website of HDFC Bank or can visit the nearest bank branch.

Other Similar Credit Cards You Can Consider

Below mentioned is a comparison of a few of similar credit cards:

Bank	Annual Fee	Benefits
HDFC Moneyback Credit Card	Rs. 500	2 reward points per Rs. 150
ICICI Rubyx Credit Card	Rs. 3,000	2 reward points per Rs. 100 domestically and 4 reward points per Rs. 100 internationally
Citibank Rewards Credit Card	Rs. 1,000	1 reward point per Rs. 125
SBI  SimplySave Credit Card	Rs. 499	1 reward point per Rs. 100
YES Prosperity Rewards Plus	Rs. 750	3 reward points on every Rs. 100 spent on groceries and supermarkets and 2 reward points on every Rs. 100 spent on other categories
HSBC SmartValue Credit Card	Rs. 499	1 reward point per Rs. 100 and 3X accelerated reward points on online, dining and telecom categories
Standard Chartered Platinum Rewards Credit Card	Rs. 250	1 reward point per Rs. 150 and 5 reward points on every Rs. 150 spent on hotel, dining and fuel

Suggested read: Best Credit Cards in India

Frequently Asked Questions (FAQs)

What is the validity of reward points earned on this card?

The reward points are valid for two years from the date of accumulation. This means that if you’ve earned your points in June 2020, they will expire in June 2022.

What should I do if I lose my card?

In case you lose your credit card, or you see any unauthorized charges made to your card, contact the HDFC Bank credit card call centre immediately and block your card. This way, you will not be held liable for any unauthorized transactions made on your card.

What is the interest-free period on this card?

With the HDFC Bank Visa Signature Credit Card, you can enjoy an interest-free period (or a grace period) of up to 50 days.

My credit card has an EMV chip. What should I do if the merchant I am buying from doesn’t have a chip terminal?

You can still use your credit card even if the merchant you are making a purchase from doesn’t have a chip terminal. In such a case, the merchant will use the magnetic strip on your card and will swipe your card instead.