HDFC Bank Credit Cards

HDFC Bank is one of India’s leading private sector banks, known for offering a wide range of credit cards. If you are looking for a credit card that caters to a variety of purposes such as travel, entertainment, lifestyle, and more, then HDFC Bank credit cards could be beneficial for you. Each credit card has been curated specifically to meet your requirements. Get an HDFC Bank credit card and enjoy several privileges and rewards, all while saving money.

When choosing a credit card, it is important to compare the offerings. Here are some of the top credit card variants being offered by HDFC Bank in 2024, each with its own benefits:

Millennia Credit Card

• 5% cashback on Amazon, Flipkart, BookMyShow, Cult.fit, Myntra, Tata CLiQ, Sony LIV, Swiggy, Zomato, and Uber

• 1% cashback on all other spends, including EMI and wallet transactions (excluding fuel transactions)

• Get a gift voucher worth ₹1,000 on spends above ₹1,00,000 each calendar year

IndianOil HDFC Bank Credit Card

• Earn 5% of your spends as Fuel Points at IndianOil outlets

• Earn up to 50 litres of free fuel annually

• 1% fuel surcharge waiver at IOCL fuel pumps across India

Swiggy HDFC Bank Credit Card

• 10% cashback on Swiggy for food orders, Instamart, Dineout, and Genie

• 5% cashback on dining at partner merchants

• Complimentary Swiggy One membership for 3 months

Marriott Bonvoy HDFC Bank Credit Card

• Earn 8 points per ₹150 spent at participating Marriott hotels

• 1 free night annually at Marriott properties

• Complimentary Silver Elite status with Marriott Bonvoy

Diners Club Black Metal Edition Credit Card

• Unlimited airport lounge access at over 1,300 locations globally

• Earn 10x Reward Points for spends on SmartBuy

• Complimentary annual memberships to Club Marriott, Amazon Prime, and Swiggy One as welcome benefits

INFINIA Credit Card Metal Edition

• Unlimited lounge access at airports worldwide

• Earn 5 Reward Points for every ₹150 spent

• Complimentary Club Marriott membership for the first year 

Regalia Gold Credit Card

• 12 complimentary domestic airport lounge visits

• 4 Reward Points on every ₹150 spent

• 5x Reward Points on spends at Myntra, Marks & Spencer, Reliance Digital, and Nykaa

MoneyBack+ Credit Card

• 10x CashPoints on BigBasket, Flipkart, Swiggy, Amazon, and Reliance Smart SuperStore

• Earn 2 CashPoints on every ₹150 spent

• 20% discount at partner restaurants via Swiggy Dineout

Diners Club Privilege Credit Card

• Buy 1, Get 1 Free on movie tickets via BookMyShow

• 5x Reward Points on Swiggy and Zomato

• Earn 4 Reward Points for every ₹150 spent

Shoppers Stop Black HDFC Bank Credit Card

• Complimentary Shoppers Stop Black membership worth ₹4,500

• Earn 2% Reward Points on all non-Shoppers Stop spends

• Earn 7% Reward Points on Shoppers Stop purchases

Get access to exclusive features and benefits when you apply for an HDFC Bank credit card. Here are some of them:

Smart EMI

Convert any purchase made on your credit card for ₹2,500 or higher into flexible Equated Monthly Instalments (EMIs) at a competitive interest rate.

Contactless Payment

Enjoy the convenience of instant payments with contactless technology—simply tap the POS machine for a quick and hassle-free transaction.

Airport Lounge Access

Get complimentary access to airport lounges at both domestic and international airports with select HDFC Bank credit cards.

Insurance Coverage

Receive complimentary insurance coverage with selected HDFC Bank credit cards, offering coverage worth several lakhs for air travel and emergency hospitalisation.

No Lost Card Liability

Benefit from 24/7 support in case your credit card is lost or stolen and receive liability waivers on fraudulent activities.

Revolving Credit Facility

Take advantage of the revolving credit facility, which offers affordable interest rates.

UPI Payments

Link your RuPay credit card to a UPI-enabled app, such as PayZapp, set up a PIN, and begin making payments effortlessly.

Foreign Currency Markup

Selected HDFC Bank credit cards offer competitive foreign currency markup rates, helping you save more when shopping abroad.

HDFC Bank offers a comprehensive rewards programme that makes spending much more rewarding. When selecting a credit card, it is important to consider the purpose you are trying to fulfil with the card. Some credit cards offer rewards on everyday purchases as well as larger expenses.

• Earn CashPoints at partner stores

• Get CashPoints on money spend with select cards

• Fuel surcharge waiver of 1% on fuel transactions

• Receive discounts at restaurants via partner merchants

• Earn CashPoints on big purchases with EMI spends at select merchant locations

 

Once you've accumulated enough CashPoints, here are a few things to keep in mind:

• The CashPoints you earn have an expiration date, so make sure to use them before they expire

• You can use the accumulated CashPoints towards clearing your credit card dues

• You can convert the CashPoints into vouchers from a wide catalogue of brands

• Use the CashPoints to save money when booking flights or hotels

Before you apply for an HDFC Bank credit card, it is important that you meet certain eligibility criteria. Here are some of them:

• You must be at least 21 years old

• You must be an Indian national

• You should either be a salaried employee or a self-employed individual

• The limit for your HDFC Bank credit card is based on your annual income, so you will need to provide proof of a valid source of income

• A good credit score of 750 or higher

The documents you are required to provide differ depending on whether you are an existing or new HDFC Bank customer. Nevertheless, it is important to keep your documents handy to ensure your credit card application is approved without any delays.

 

Here is the list of documents required for an existing HDFC Bank customer:

• Income proof, such as salary slips and income tax returns for the last three years

• Address proof, such as Aadhaar card, passport, or a valid driver's licence

 

Here is a list of documents required for a new HDFC Bank customer:

• Identity proof, such as Aadhaar card, PAN card, passport, or valid driver's licence

• Address proof, such as Aadhaar card, passport, or utility bills

• Income proof, such as salary slips and income tax returns for the last three years

The process of applying for an HDFC Bank credit card is simple and straightforward. You can either apply online or by visiting the nearest HDFC Bank branch.

 

Here’s how you can apply for an HDFC Bank credit card online:

1. Visit the HDFC Bank website

2. Navigate to the credit cards section of the website

3. Check if you meet the eligibility criteria using the online eligibility calculator

4. Based on your eligibility, an HDFC Bank credit card will be recommended for you

5. Enter your address and employment details for verification and review

6. Authorise the application with your NetBanking or Debit Card

 

Once your application is reviewed and approved, a new HDFC Bank credit card will be issued to you.

 

Here is how you can apply for an HDFC Bank credit card offline:

1. Visit your nearest HDFC Bank branch

2. Approach a customer representative and request a credit card application form

3. Fill out the form carefully with the required details

4. Attach the necessary documents

5. Submit the documents along with the application form

6. Your credit card will be delivered to your doorstep once your application is approved

Founded in 1994, HDFC Bank is one of India’s leading private sector banks, offering a wide range of financial products, including credit cards, loans, and investment options. Known for its customer-focused approach and innovative digital solutions, the bank serves crores nationwide, ensuring trust and convenience in all its services.

HDFC Bank credit cards are supported by globally recognized payment networks, ensuring seamless transactions worldwide. The primary payment networks supported by HDFC Bank are Visa, Mastercard, Diners Club, and RuPay. Each network offers its own set of benefits, catering to different types of consumers.

A credit card is often accompanied by certain fees and charges, and this is applicable to HDFC Bank credit cards. Here are a few types of fees that you should be aware of:

Annual Fees/Renewal Fees

The issuer charges this fee on an annual basis for the renewal of your card, and it can vary across different cards.

Cash Advance Fees

This fee is applicable when you withdraw cash from an ATM using your credit card.

Finance Charges

This charge is applied as a monthly percentage on all transactions if you do not repay your credit card bill in full.

Late Payment Fees

A late payment fee is charged if you fail to repay your credit card bill by the prescribed due date.

Foreign Transaction Fees

If you use your credit card during trips abroad, a foreign transaction fee will be applicable.

Balance Transfer Fees

When you transfer a balance from one credit card to another, a balance transfer fee will be applied.

If you have any queries regarding your credit card, you can get in touch with the pan-India HDFC Bank credit card customer care or write to them.

Contact

• Domestic (India): 1860 267 6161 / 1800 202 6161

• Traveling Abroad: +91 22 61606160

• Diners Black and Infinia credit cards dedicated support: +91 22 61717606

Write to them

• Via Email: customerservices.cards@hdfcbank.com

• Via Regular Post: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO, Chennai - 600 041

• Via Courier: Manager, HDFC Bank Cards Division, # 8, Lattice Bridge Road,  Thiruvanmiyur, Chennai - 600 041

HDFC Bank credit card holders have to activate their credit card within 30 days of the card being issued to them. This is in accordance with the Reserve Bank of India’s (RBI's) Master Direction – Credit and Debit Card – Issuance and Conduct Directions, 2022.

 

If the credit card is not activated within 30 days, a grace period of 7 days is given to activate the card, and at the end of the 37th day, the credit card will be closed.

 

You can use the following methods to activate your HDFC Bank credit card:

• Use your credit card for at least one online or POS transaction to activate and keep your card active

• You can give a missed call on 9966027100, give consent, and get your card activated

• Visit HDFC Bank's card portal and log in using OTP to link your credit card

• Send the message ‘Manage My Credit Card’ on WhatsApp to 7070022222 to activate your card

Once you have applied for your HDFC Bank credit card, tracking your application status is simple and straightforward. Here’s how you can track it:

1. Click on the tracking link

2. Enter the mobile number provided during the application

3. Provide one of the following: Application Reference Number, Application Form Number, or Date of Birth

4. Enter the CAPTCHA

5. Click on Submit

 

You will be able to view the status of your credit card application. Additionally, you can contact customer support or visit the nearest HDFC Bank branch to check your application status.

HDFC Bank has outlined clear guidelines for handling credit card defaults and overdue payments. These practices are designed to encourage timely payments while ensuring that customers are aware of the consequences of missed payments:

• HDFC Bank will impose finance charges on any outstanding or overdue amounts if payment hasn’t been made by the due date. The interest rate varies based on the card type and usage.

• If a payment is missed, late payment fees will be charged based on the outstanding amount. These fees are structured in slabs, with higher outstanding amounts incurring larger penalties.

• Defaults and overdues are reported to relevant credit rating agencies such as CIBIL. This will negatively impact the customer’s credit score, potentially making it harder to secure loans or credit in the future.

• HDFC Bank allows cardholders to pay a minimum amount due, typically around 5% of the outstanding balance, to avoid immediate penalties.

• Repeated defaults may lead to suspension or cancellation of the credit card, limiting the customer’s ability to use the card in the future.

• In severe cases, HDFC Bank may engage in collection activities, which can include reminder calls, emails, letters, and may escalate to legal action and other ethical collection practices.