Experience seamless banking and unmatched rewards with an HDFC Bank Credit Card. Designed for the modern spender, it offers a world of privileges, from shopping discounts to travel comforts.
🌟 Key Features & Benefits
- Unlock Premium Rewards: Earn reward points on every spend, redeemable for exciting gifts, vouchers, or free flight tickets.
- Superior Savings on Shopping:
- Enjoy exclusive discounts on major online platforms like Amazon and Flipkart.
- Shop internationally and save with a low foreign currency markup fee on overseas spends.
- Elevated Travel Experience: Receive complimentary access to premium airport lounges at domestic and international airports.
- Financial Flexibility with Smart EMI: Easily convert large purchases (₹2,500 and above) into easy, post-purchase EMIs with competitive interest rates and flexible tenures.
- Comprehensive Insurance Cover: Gain peace of mind with complimentary insurance benefits, including an air accidental cover and emergency overseas hospitalization cover worth several lakhs.
- Achieve & Be Rewarded: Earn lucrative vouchers and benefits upon meeting specified monthly spending milestones.
- Security & Convenience:
- Leverage revolving credit facilities at nominal interest rates.
- Get liability waivers on fraudulent transactions and card loss, provided they are reported promptly.
📋 Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Starting at ₹500 + GST (varies by card) |
| Annual Fee | Starting at ₹500 + GST (varies by card) |
Note: Many cards offer fee waivers on meeting minimum annual spending criteria.
✅ Eligibility Criteria
To apply for an HDFC Bank Credit Card, you should meet the following criteria:
- Age: Must be between 21 and 65 years.
- Employment: Must be Salaried or Self-Employed.
- Minimum Income:
- Salaried Individuals: ₹20,000 per month
- Self-Employed: ₹50,000 per month
- Credit Score: A healthy credit score of 700 and above.
- Residency: Must be a citizen of India or a Non-Resident Indian (NRI).
📄 Documents Required
Please keep the following documents handy for a smooth application process:
- Identity Proof: PAN Card, Aadhaar Card, Voter ID, or Passport.
- Address Proof: Aadhaar Card, Passport, or latest utility bill (electricity, water, etc.).
- Income Proof:
- Salaried: Latest salary slips and bank statements.
- Self-Employed: Bank statements for the last 6 months.
🖥️ How to Apply in 4 Simple Steps
- Click to Begin: You will be redirected to the official HDFC Bank website.
- Login/Register: Click on ‘Login/Join Now’ and complete a quick OTP verification for security.
- Select & Apply: Choose your preferred HDFC Bank Credit Card and fill in the required personal and financial details.
- Submit & Confirm: Review and submit your application. You will receive a confirmation SMS upon successful application submission and further updates on its approval status.
➡️ [Click Here to Apply Now]
Top 20 HDFC Bank Credit Card FAQs
- Q: How do I know which HDFC Credit Card is best for me?
- A: The best card depends on your spending habits. HDFC offers cards tailored for shopping (e.g., Millennia), travel (e.g., Regalia), fuel (e.g., IOCL), and premium lifestyle (e.g., Infinia). Assess your major expense categories to choose the most rewarding one.
- Q: What is the minimum salary required to apply for an HDFC Credit Card?
- A: For salaried individuals, the minimum income requirement is typically ₹20,000 per month. For self-employed individuals, it is ₹50,000 per month. This may vary slightly depending on the specific card variant.
- Q: Is a CIBIL score mandatory? What is the minimum score required?
- A: Yes, a credit check is mandatory. HDFC Bank generally prefers applicants with a good credit history and a CIBIL score of 700 or above.
- Q: I am an NRI. Can I apply for an HDFC Credit Card?
- A: Yes, Non-Resident Indians (NRIs) are eligible to apply, subject to fulfilling the bank’s internal eligibility criteria.
Fees & Charges
- Q: What are the joining and annual fees?
- A: Joining and annual fees start at ₹500 + GST, but the exact amount depends on the card you select. Premium cards have higher fees.
- Q: How can I get my annual fee waived?
- A: Many HDFC cards offer an annual fee waiver if your total spending crosses a specified threshold within the year. Check your card’s specific terms and conditions for the exact amount.
- Q: What is the foreign currency markup fee?
- A: This is a fee charged on all transactions made in a foreign currency. While the offer mentions a “low” fee, it typically ranges from 2% to 3.5% depending on the card, which is competitive compared to the industry standard.
Features & Usage
- Q: How do I activate my complimentary airport lounge access?
- A: Access is usually automatic. You just need to swipe your credit card at the lounge entrance. Some lounges may require you to show your boarding pass and a valid credit card for verification.
- Q: How does the ‘Smart EMI’ feature work?
- A: After making a large purchase (usually ₹2,500 or more), you can log in to your NetBanking account or the MyCards app and convert that transaction into an EMI plan, choosing a tenure that suits you.
- Q: Where can I see my reward points balance and redeem them?
- A: You can check your points balance on your monthly statement, via HDFC NetBanking, or on the MyCards app. Redemption can be done through the same platforms for gifts, vouchers, or air miles.
- Q: What are the insurance covers provided and how do I claim them?
- A: Most cards provide an Air Accident Cover and an Emergency Overseas Hospitalization Cover. The specific sum insured and the claim process are detailed in the welcome kit and terms & conditions. In case of an event, you or your nominee must contact the insurance provider directly.
- Q: How do I get discounts on Amazon and Flipkart?
- A: Discounts are typically offered during sales or as ongoing offers. You need to ensure your HDFC Credit Card is linked to your account and select it as the payment method. The discount is automatically applied at checkout if the offer is live.
Managing Your Card
- Q: How do I activate my new credit card?
- A: You can activate your card via SMS, by calling the 24-hour helpline, through HDFC NetBanking, or at an HDFC Bank ATM.
- Q: What are the ways to pay my HDFC Credit Card bill?
- A: You can pay via HDFC NetBanking/NEFT, auto-debit, the HDFC Mobile Banking app, UPI apps, other bank’s net banking, or at any HDFC Bank branch.
- Q: How can I increase my credit limit?
- A: You can request a limit increase through NetBanking or the MyCards app. The bank may also periodically review your account and offer an automatic increase based on your spending and repayment behaviour.
- Q: I lost my credit card. What should I do?
- A: Immediately report the loss by calling the 24-hour helpline number provided on the bank’s website. You can also block your card instantly via NetBanking or the Mobile Banking app to prevent fraudulent use.
- Q: What should I do if I see a fraudulent transaction on my statement?
- A: Report the transaction immediately to the bank’s customer care. HDFC Bank offers a ‘Zero Liability’ program for fraudulent transactions reported promptly, subject to terms and conditions.
Problems & Support
- Q: I was charged interest even though I paid my bill. Why?
- A: This can happen if you paid only the “Minimum Amount Due,” which means interest is charged on the remaining balance. To avoid interest, you must always pay the “Total Amount Due” by the due date.
- Q: My credit card application was declined. Why?
- A: Applications can be declined for various reasons, including a low credit score, insufficient income, existing high debt, or discrepancies in the application details. You can contact customer care to learn the specific reason.
- Q: How do I contact HDFC Bank for credit card support?
- A: You can call the 24-hour helpline number (e.g., 1800 266 4332). For general queries, you can use the secure email feature within NetBanking or visit your nearest HDFC Bank branch.
