HDFC Bank Credit Cards: Check Features, Eligibility & Charges

HDFC Bank Credit Cards

image of HDFC Bank

🤔 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. HDFC Bank has 2,04,04,625 active credit cards as of February 2024.

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Features of HDFC Bank Credit Cards

Lounge Access

Travel Benefit

Fuel Surcharge

Cashback Benefit

Reward Points

Insurance Benefit

Shopping Benefit

Welcome Bonus

Dining Benefit

Top HDFC Bank Credit Cards

image of HDFC Diners Club Metal Edition

HDFC Diners Club Metal Edition (4.5)

Full Details
Premium
Best For: Reward Points
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.30

Joining Fee

₹10,000

Annual Fee

₹10,000

Annual Percentage Rate

23.88%
image of HDFC Diners Club Black

HDFC Diners Club Black (4)

Full Details
Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.30

Joining Fee

₹10,000

Annual Fee

₹10,000

Annual Percentage Rate

23.88%
image of Marriott Bonvoy HDFC Bank

Marriott Bonvoy HDFC Bank (4)

Full Details
Co-Branded
Best For: Marriott Customers
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.80

Joining Fee

₹ 3,000

Annual Fee

₹ 3,000

Annual Percentage Rate

43.20%
image of HDFC MoneyBack Plus

HDFC MoneyBack Plus (4.3)

Full Details
Regular
Best For: Shopping
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.25

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

43.20%
image of HDFC Regalia Gold

HDFC Regalia Gold (4.3)

Full Details
Premium
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹2,500

Annual Fee

₹2,500

Annual Percentage Rate

43.20%
image of Swiggy HDFC Bank

Swiggy HDFC Bank (4.5)

Full Details
Co-Branded
Best For: Dining
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

43.20%
image of Tata Neu Infinity HDFC Bank

Tata Neu Infinity HDFC Bank (4.7)

Full Details
Co-Branded
Best For: Reward Points
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹ 1,499

Annual Fee

₹ 1,499

Annual Percentage Rate

41.88%
image of HDFC Bank Infinia Metal Edition

HDFC Bank Infinia Metal Edition (4.7)

Full Details
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%
image of HDFC Bank Moneyback

HDFC Bank Moneyback (4.3)

Full Details
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%
image of Indian Oil HDFC Bank

Indian Oil HDFC Bank (4.1)

Full Details
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%
image of 6E - Rewards Indigo HDFC Bank

6E - Rewards Indigo HDFC Bank (4.1)

Full Details
Co-Branded
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

43.2%
image of HDFC Bank Regalia

HDFC Bank Regalia (4.6)

Full Details
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%
image of HDFC Bank Millennia

HDFC Bank Millennia (4.5)

Full Details
Regular
Best For: Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹1,000

Annual Fee

₹1,000

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 Diners Club Metal Edition

₹10,000

₹10,000

Reward Points

HDFC Diners Club Black

₹10,000

₹10,000

Lifestyle

Marriott Bonvoy HDFC Bank

₹ 3,000

₹ 3,000

Marriott Customers

HDFC MoneyBack Plus

₹500

₹500

Shopping

HDFC Regalia Gold

₹2,500

₹2,500

Travel

Swiggy HDFC Bank

₹500

₹500

Dining

Tata Neu Infinity HDFC Bank

₹ 1,499

₹ 1,499

Reward Points

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

₹500

₹500

Travel

HDFC Bank Regalia

₹ 2500

₹ 2500

Lifestyle

HDFC Bank Millennia

₹1,000

₹1,000

Cashback

HDFC Bank Eligibility

CREDIT CARDS

INCOME REQUIRED

EMPLOYMENT TYPE

HDFC Diners Club Metal Edition

â‚ą175000

Salaried , Self Employed

HDFC Diners Club Black

â‚ą175000

Salaried , Self Employed

Marriott Bonvoy HDFC Bank

â‚ą100000

Salaried , Self Employed

HDFC MoneyBack Plus

â‚ą20000

Salaried , Self Employed

HDFC Regalia Gold

â‚ą100000

Salaried , Self Employed

Swiggy HDFC Bank

â‚ą25000

Salaried , Self Employed

Tata Neu Infinity HDFC Bank

â‚ą100000

Salaried , Self Employed

HDFC Bank Infinia Metal Edition

â‚ą375000

Salaried , Self Employed

HDFC Bank Moneyback

â‚ą25000

Salaried , Self Employed

Indian Oil HDFC Bank

â‚ą10000

Salaried , Self Employed

6E - Rewards Indigo HDFC Bank

â‚ą50000

Salaried , Self Employed

HDFC Bank Regalia

â‚ą100000

Salaried , Self Employed

HDFC Bank Millennia

â‚ą35000

Salaried , Self Employed

HDFC Bank News
08 Feb 2024, Thursday
1. HDFC Bank launched a new range of business credit cards specifically for SMEs

The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.

  1. BizFirst: Entry-level card with 55 days interest-free period, 3% cashback on EMI spends, 2% on utilities & electronics, 1% on other spends. 
  2. BizGrow: Offers higher 5% cashback on business spends like GST, income tax, vendor payments, travel, business tools, and 1% on other spends. 
  3. BizPower: Premium card with 5X reward points on fuel spending, accelerated rewards on travel, dining, and utilities, and airport lounge access. 
  4. BizBlack: Flagship card with maximum rewards on all categories, complimentary airport lounge access, travel insurance, and other premium benefits. 
31 Oct 2023, Tuesday
2. Effective 1 December 2023, HDFC Bank will limit lounge access for Regalia Credit Card holders.

Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.

19 Oct 2023, Thursday
3. HDFC introduces enhanced Diners Club Metal Edition Credit Card

HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:

  • Annual Fee Waiver: The metal edition requires cardholders to spend 8 lakhs annually to enjoy an annual fee waiver, whereas the plastic card's threshold is 5 lakhs in annual spends.
  • Welcome Benefit: The new Metal Edition card offers a Swiggy One annual membership as a welcome benefit, replacing the earlier Forbes and MMT Black offerings. In contrast, the plastic card provided a 3-month Swiggy One membership, alongside Forbes and MMT Black.
  • Milestone Benefit: The Metal Edition introduces a new milestone benefit, granting cardholders 10,000 Bonus Reward Points on a quarterly basis. However, it no longer features the old benefits amongst cult.fit Live 1 month membership/ BookMyShow /TataCLiQ /Ola cabs vouchers worth Rs. 500

This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.

24 Aug 2023, Thursday
4. HDFC Bank partners with Marriott Bonvoy to launch India's first 'hotel co-branded card'.

HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:

  • Complimentary Marriott Silver Elite Status
  • Up to 4 free night awards
  • Accelerated Marriott Bonvoy points earning on travel, dining, and entertainment
  • Airport lounge access
  • Travel insurance
05 Jul 2023, Wednesday
5. Swiggy to launch co-branded credit card with HDFC Bank.

Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.

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

Total Cards:

2,04,04,625
View All HDFC Bank Credit Cards

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.
 

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