HDFC Bank Credit Cards: Check Features, Eligibility & Charges

HDFC Bank Credit Cards

🤔 Know everything about HDFC Bank Credit Card

Is HDFC Bank Your Reward Partner?

Being one of the largest issuers of credit cards, HDFC is adept at serving all spending segments. Hence, it offers credit cards for all kinds of users based on their income requirements and needs. The HDFC Credit Card offers cashback and rewards on transactions that help users save more. Be it for shopping or travelling, it eases the spending process. As of April 2023, the bank successfully reported 1,78,78,964 active credit cards.

Features of HDFC Bank Cards

Lounge Access

Travel Benefit

Fuel Surcharge

Cashback Benefit

Reward Points

Insurance Benefit

Shopping Benefit

Welcome Bonus

Dining Benefit

Top HDFC Bank Credit Cards

Premium
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 1

Joining Fee

₹ 12,500

Annual Fee

₹ 12,500

Annual Percentage Rate

23.88%
Cashback
Best For: Business
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.20

Joining Fee

₹ 500

Annual Fee

₹ 500

Annual Percentage Rate

43.2%
Co-Branded
Best For: Fuel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.96

Joining Fee

₹ 500

Annual Fee

₹ 500

Annual Percentage Rate

43.2%
Co-Branded
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 1

Joining Fee

₹ 700

Annual Fee

₹ 700

Annual Percentage Rate

43.2%
Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.20

Joining Fee

₹ 2500

Annual Fee

₹ 2500

Annual Percentage Rate

43.2%
Regular
Best For: Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 1

Joining Fee

₹ 1000

Annual Fee

₹ 1000

Annual Percentage Rate

43.2%

How To Apply For HDFC Bank Credit Card Online

Step 1: Go to HDFC Bank's official website: Start by opening your web browser and going to the official HDFC Bank website.

Step 2: Navigate to the "Credit Cards" section and choose the card that meets your needs: On the homepage, click on the "Credit Cards" tab to explore the different types of credit cards offered by HDFC Bank. Once you have selected a card that best suits your needs, click on "Apply Now" to begin the application process.

Step 3: Check the eligibility criteria, required documents, and other terms and conditions: Before you proceed with the application, make sure you meet the eligibility criteria and have the necessary documents ready. For example, you may need to provide proof of income, identity, and address. Also, carefully read through the terms and conditions to understand the credit card features, fees, and charges.

Step 4: Fill in the online application form with accurate information: Provide all the required details such as your personal information (name, date of birth, contact information, etc.), employment details, and income information. Make sure to enter accurate information as any discrepancies may delay the approval process or result in the rejection of your application.

Step 5: After submitting your application, HDFC Bank will review it, and if approved, the credit card will be delivered to your registered address: Once you have completed the application process, HDFC Bank will review your application and make a decision on whether to approve or reject it. If approved, you will receive your credit card at the address provided in your application within 7-10 working days.

Step 6: Upon delivery, sign for the card and provide identification proof: When the credit card is delivered, you will have to sign for it and provide identification proof to the delivery executive.

Step 7: The bank will send a PIN via courier and a Green PIN on your registered mobile number for transaction authentication: HDFC Bank will send the Personal Identification Number (PIN) via courier to the address provided in your application. You will also receive a Green PIN on your registered mobile number. This Green PIN is required to activate the card and generate your own PIN.

Step 8: Visit the nearest HDFC ATM to change the PIN to a desired one: Once you have received the Green PIN on your mobile number, visit the nearest HDFC Bank ATM and follow the instructions to change the PIN to a desired one.

By following these steps, you can apply for an HDFC credit card online and enjoy the various benefits and features that come with it.

Alternatively, you can also visit the nearest HDFC branch or ATM to apply in person: If you prefer to apply in person, you can visit the nearest HDFC Bank branch or ATM and submit your application form along with the required documents.

HDFC Bank Fees and Charges

Analyse a card based on its Joining Fee, Annual Fee and what it's best suited for.

CARD VARIANT

JOINING FEE

ANNUAL FEE

BEST FOR

HDFC Bank Infinia Metal Edition

₹ 12,500

₹ 12,500

Travel

HDFC Bank Moneyback

₹ 500

₹ 500

Business

Indian Oil HDFC Bank

₹ 500

₹ 500

Fuel

6E - Rewards Indigo HDFC Bank

₹ 700

₹ 700

Travel

HDFC Bank Regalia

₹ 2500

₹ 2500

Lifestyle

HDFC Bank Millenia

₹ 1000

₹ 1000

Cashback

HDFC Bank Eligibility

CREDIT CARDS

INCOME REQUIRED

EMPLOYMENT TYPE

HDFC Bank Infinia Metal Edition

₹375000

Salaried , Self Employed

HDFC Bank Moneyback

₹25000

Salaried , Self Employed

Indian Oil HDFC Bank

₹10000

Salaried , Self Employed

6E - Rewards Indigo HDFC Bank

₹50000

Salaried , Self Employed

HDFC Bank Regalia

₹100000

Salaried , Self Employed

HDFC Bank Millenia

₹35000

Salaried , Self Employed

HDFC Bank News

We are looking for some news yet.

HDFC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

HDFC Bank

HDFC Bank Credit Card Customer Care Number:

1800 202 6161 / 1860 267 6161

HDFC Bank Card Offers:

View Offers

Frequently Asked Questions

HDFC Bank offers several credit cards, each of which is created to meet the interests and preferences of a specific group of customers. Your individual needs and usage habits will determine which credit card is ideal for you.

A travel credit card might be a suitable choice for you if you travel frequently. However, a cashback or rewards credit card might be more appropriate if you prefer to receive cashback and benefits for your purchases. However, a premium credit card can be better if you seek premium features and advantages.

The minimum salary for an HDFC Credit Card is Rs. 12,000 a month, though it depends on the type of credit card you are going to have.

Go to the HDFC website, navigate to the credit card section, and select the best credit card based on your utility.

If you are unsure which card is best for you, you can use their tool on the homepage. Just enter your salary and interest rate, and they will recommend the best card for your use! Once you have chosen the card, fill out the details that are asked, and that would be it.

The candidate should be self-employed or salaried. He should have a consistent source of income in order to get an HDFC Credit Card.

The minimum credit card limit for HDFC varies based on the type of card and your credit history. 

The annual fee or charge for an HDFC credit card depends on the card type being used, with premium credit cards having higher annual charges or fees than other HDFC credit cards.

 The eligibility criteria for HDFC Credit Card issuance varies depending on a number of factors, including your income, credit score, and other financial obligations.

While a salary of Rs. 30000 may be considered a lower income level, getting an HDFC credit card is possible depending on your creditworthiness and other factors.

While HDFC Bank offers a range of credit cards with different features and benefits tailored to meet the varying needs of different customers, determining which card is "superior" would depend on individual preferences and requirements.