HDFC Credit Cards – Apply Online & Compare Top Offers

SmartEMI: 

Transform credit card purchases of Rs. 2,500 or more into SmartEMIs following your transactions. Benefit from the competitive rate of interest and flexible repayment periods for offline and online Credit Card purchases converted into SmartEMI.

Contactless Payments:

Conveniently, confidently, and securely execute payments using our contactless Credit Cards. Merely tap your card for swift payments at retail establishments within seconds. To enable contactless payments, kindly utilise MyCards.

Foreign Currency Markup:

Save more while shopping on your international expenses. We apply a minimal foreign currency markup on overseas transactions with specific HDFC Bank Credit Cards.

Insurance Benefits:

Certain HDFC Bank Credit Cards offer complimentary insurance benefits, including substantial coverage for air accidents and emergency overseas hospitalisation.

Revolving Credit Facility:

Take advantage of revolving credit facilities at nominal interest rates on HDFC Bank Credit Cards. Refer to the MITC for further details.

Airport Lounge Access: 

Enjoy complimentary airport lounge access at both domestic and international airports with select credit cards.

Zero Lost Card Liability: 

In the event of a lost Credit Card, promptly report it to our 24-hour call centre. You will be exempt from liabilities for fraudulent transactions upon timely reporting. Learn more about the advantages of using a credit card.

Other benefits:

• You can avail exclusive discounts, reward points, and offers.
• In case you suspect credit card fraud, just notify your bank, and your credit card will be instantly blocked.
• HDFC Bank offers multiple credit cards and you can choose one that suits your requirements.
• You can improve your credit score by timely and full payment of bills and keeping credit utilisation less than 30%.

HDFC Bank Regalia First Credit Card

Key Highlights: A premium HDFC Bank Regalia First Card that provides exclusive travel and lifestyle benefits.

Joining Fee: Rs.1,000

Renewal Fee: Rs.1,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.

Joining Bonus: 1,000 reward points upon paying the joining fee.

Features and benefits:

1. Complimentary Priority Pass Membership that provides access to 700+ airport lounges.
2. 15% discount at premium restaurants across India.
3. Up to 7,500 reward points on achieving annual spends of up to Rs.6 lakh.
4. 8 complimentary domestic lounge access per calendar year.
5. Foreign currency markup fee of 2% on all international spends.
6. Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.

Rewards redemption option: Reward points can be redeemed for free air tickets.

Suitable for: People who frequently visit international locations.

HDFC Bank Diners Club Black Card

Key Highlights: Offered in partnership with Diners Club International, the HDFC Bank Diners Club Black Card provides world-class privileges in travel, lifestyle, golf, rewards, etc.

Joining fee: Rs.10,000

Renewal Fee: Rs.5,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.5 lakh.

Joining Bonus: 10,000 reward points upon paying the joining fee.

Features and benefits:

1. 5 Reward Points for every Rs. 150/- retail spends.
2. Unlimited access to more than 700 airport lounges across the globe.
3. Exclusive 24/7 concierge services at both local and international locations.
4. Free comprehensive insurance that covers air accidental death, emergency hospitalisation, baggage delay and credit liability.
5. 6 complimentary Golf games per quarter valid in India as well as abroad.

Rewards redemption options: Redeem reward points for free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and for gifts on exclusive rewards catalogue.

Suitable for: People who frequently visit international locations.

HDFC Bank Regalia Card

Key Highlights: Designed for elite class, the HDFC Regalia Credit Card offers best of the benefits across various lifestyle categories.

Joining Fee: Rs.2,500

Renewal Fee: Rs.2,500 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.

Joining Bonus: 2,500 reward points upon paying the joining fee.

Features and benefits:

1. Complimentary Priority Pass Membership that provides access to more than 700 airport lounges.
2. 4 Reward Points on every Rs.150 spent.
3. 15% discount at premium restaurants across India.
4. Up to 15,000 reward points on achieving annual spends of up to Rs.8 lakh.
5. 12 complimentary domestic lounge access per calendar year.
6. 24X7 concierge assistance for travel and entertainment bookings.
7. Foreign currency mark-up fee of 2% on all international spends.
8. Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.

Rewards redemption option: Reward points can be redeemed for air ticket booking, hotel booking on offers.smartbuy.hdfcbank.com/regalia. Also convertible to Air Miles.

Suitable for: People who spend massively on their credit cards and travel frequently.

HDFC Freedom Credit Card

Key Highlights: One of the best reward credit cards, the HDFC Freedom Credit Card also offers spend based rewards and free accidental death insurance.

Joining fee: Rs.500

Renewal fee: Rs.500. Waived if the total spends in the previous year exceed Rs.60,000.

Joining bonus: 500 reward points upon paying the joining fee.

Features & benefits:

1. 5 times more reward points on dining, entertainment, railway ticket booking, cab booking, and grocery spends.
2. 10 times more reward points on HDFC PayZapp & SmartBUY spends
3. 25 times more points on birthday spend
4. Earn 1 reward point on every spend of Rs.150 and above.
5. A gift voucher worth Rs.1000 on annual spends of Rs.90,000 or more.
6. Complimentary accidental insurance up to Rs.50 lakh.

Rewards redemption option: Reward points can be redeemed for cash back or for gifts from the rewards catalog.

Suitable for: People who use credit card for all daily expenses.

HDFC Bank Moneyback Credit Card

Key Highlights: Redeem reward points for cash back against your HDFC Bank Moneyback Credit Card outstanding.

Joining fee: Rs.500

Renewal fee: Rs.500 (from 2nd year onwards).

Joining bonus: 500 reward points once the joining fee is paid.

Features and benefits:

1. 2X more reward points on online spends.
2. Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
3. Free accidental death insurance up to Rs.50 lakh.
4. Zero liability on lost card.

Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.

Suitable for: People who would like to cut their credit card annual maintenance.

HDFC Bank Titanium Times Card

Key Highlights: A low-cost, high-value HDFC Bank Titanium Times Credit Card that provides benefits across various lifestyle categories.

Joining fee: Rs.500.

Renewal fee: Rs.500 (from 2nd year onwards).

Joining bonus: Gift vouchers from across categories including shopping, dining, clothing, etc.

Features and benefits:

1. 2X more reward points on online spends.
2. Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
3. Free accidental death insurance up to Rs.50 lakh.
4. Zero liability on lost card.

Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.

Suitable for: People looking for a less maintenance credit card with benefits across categories.

HDFC Bank Diners ClubMiles Card

Key Highlights: The HDFC Bank Diners ClubMiles Credit Card that comes with the best Miles Exchange Program. Offers Miles exchange across various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.

Joining fee: Rs.1,000

Renewal fee: Rs.1,000 (Waived if the spends in the previous year exceed or equal to Rs.1 lakh).

Joining bonus: 1,000 reward points once the joining fee is paid.

Features and benefits:

1. Exclusive lounge access program that provides access to leading airport lounges across the globe.
2. Up to 6 free lounge visits to more than 700 lounges worldwide.
3. Book air tickets and hotels across the globe online through the exclusive Diners Club website.
4. Concierge services assist travel needs.
5. 15% discount and other benefits at leading restaurants across India.
6. Comprehensive air insurance cover up to Rs.1.5 crore.

Rewards redemption option: Redeem reward points for flight ticket or hotel bookings through Diners Club website. Can also be exchanged for Miles with both domestic and international airlines and hotels.

Suitable for: Globetrotters who use their credit card for most of their travel needs.

HDFC Bank Platinum Times Card

Key Highlights: A low-cost, high-value HDFC Bank Platinum Times Credit Card that provides benefits across various lifestyle categories.

Joining fee: Rs.1,000.

Renewal fee: Rs.1,000 (from 2nd year onwards).

Joining bonus: Gift vouchers from various lifestyle categories including shopping, dining, clothing, etc.

Features and benefits:

1. 25% off on movie ticket bookings and up to 20% discount on dining bills.
2. 3 more reward points on regular spends and 10 points on dining spends on weekdays.
3. Fuel surcharge waiver.
4. Free accidental death insurance up to Rs.50 lakh.

Rewards redemption option: Reward points can be redeemed for exclusive gifts from rewards catalogue.

Suitable for: People who are movie freaks and dine-out quite frequently.

HDFC Infinia Credit Cards

Benefits & Features of HDFC Infinia Credit Cards:

1. Infinia Card comes with no prearranged limit on cash spending or withdrawal.
2. You earn 5 points for every INR.150 you spend.
3. You automatically get free Priority Pass and Taj Epicure Inner Circle Gold Membership.
4. Reserve air tickets, film tickets, and hotel rooms via https://offers.reward360.in/infinia/rewards and make double the points.
5. Free international travel insurance.

HDFC Solitaire Credit Cards

Features and Benefits of HDFC Solitaire Credit Cards:

1. With every Rs. 75,000/- spend every 6 months, the cardholder can avail Rs. 1,000 worth of Shoppers Stop vouchers.
2. Upon using the card for dining expenses and grocery spends, the cardholder can receive 50% more reward points.
3. With every Rs. 150 spend, get 3 reward points.
4. The card offers the option of redeeming reward points as cashback. With every 100 reward points get Rs. 40 cashback.
5. Get Shoppers Stop vouchers of Rs. 2,000 annually.
6. Opportunity to earn Rs. 4,000 as Cashback on reward points accumulated by spending Rs.5 lakh on the card.
7. With benefits on fuel transactions, cardholders get to save Rs. 1,500 annually.
8. Zero Lost Card Liability.

HDFC AllMiles Credit Card

Features and Benefits of HDFC AllMiles Credit Card :

1. With card issue, the cardholder is entitled to receive 1000 Reward Points as a welcome benefit.
2. With every Rs. 150 spend, get 3 reward points.
3. Free Priority Pass Membership.
4. With every Rs.500 spent at the fuel station, get a Fuel Surcharge Waiver.
5. With spend of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
6. With Rs. 1, 00,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.

HDFC Platinum Edge credit card

Features and Benefits of HDFC Platinum Edge credit card

1. For every Rs.150 spent through your card, earn 2 reward points.
2. Enjoy 50% additional reward points for expenses made on dining out.
3. Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (GST as applicable).
4. The chip on the card ensures that every transaction made is safe and secure
5. Enjoy revolving credit facility at a nominal interest rate.

HDFC Titanium Edge credit card

Features and Benefits of HDFC Titanium Edge credit card

1. For every Rs.150 spent through your card, earn 2 reward points.
2. Enjoy 50% additional reward points for expenses made on dining.
3. Reward points can be redeemed as cashback against the outstanding bill amount.
4. Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (sales tax applicable).
5. On reporting the loss of your credit card immediately, you enjoy zero liability on any fraudulent transactions made through your card.

Eligibility to Apply for HDFC Credit Cards

1. Age: Applicants must be a minimum of 18 years old.
2. Nationality: Applicants should hold Indian Nationality.
3. Residential Status: Applicants can be either Residents or Non-Resident Indians.
4. Employment Status: Applicants should be employed as salaried professionals or self-employed individuals.
5. Annual Income: HDFC Bank assesses your eligibility for a Credit Card and determines the credit limit based on your annual income.

Note: HDFC Bank reviews and adjusts your credit limit according to your annual expenditures, card usage, and evolving income. Additionally, they extend invitations for Credit Card upgrades based on your usage.

Check Eligibility for HDFC Credit Cards Online

You can check eligibility for each HDFC credit card online using the HDFC Bank official website.

Visit HDFC Bank Site & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.

Documents Required to Apply for HDFC Credit Cards

HDFC may ask for additional documents based on the applicant's profile. The above list is for reference purpose only.

How to Apply for HDFC Credit Cards Online?

The steps to apply for an HDFC credit card online are as follows:

1. Visit the official website of HDFC.

1. Navigate to the 'Credit Cards' section and select a credit card based on your preference.

1. Check the eligibility criteria and documents required for the credit card.

1. Apply online by entering all the requested details. You can also submit your credit card application along with relevant documents at an HDFC branch or ATM.

1.  You will receive your credit card on your communication address once the bank approves your application.

1. When it is delivered, you will have to sign for it and provide proof of identity.

1. You will receive the personal identity number (PIN) via courier while the Green PIN will be sent on your registered mobile number.

1. This PIN is required to authenticate any credit card transactions.

1.  Visit the nearest HDFC ATM to change the PIN.

Different Categories of Credit Cards Offered by HDFC Bank

Essentials Credit Cards

1. HDFC Bank MoneyBack+ Credit Card
2. HDFC Bank Millenia Credit Card
3. HDFC Bank Freedom Credit Card
4. IndianOil HDFC Bank Credit Card

Luxury Credit Cards

1. HDFC Bank Diners Club Black Metal Edition Credit Card
2. HDFC Bank Infinia Meta Edition Credit Card
3. HDFC Bank Diners Club Black Credit Card

Co-branded Credit Cards

1. Marriott Bonvoy HDFC Bank Credit Club
2. Swiggy HDFC Bank Credit Card
3. IRCTC HDFC Bank Credit Card
4. Tata Neu Infinity HDFC Bank Credit Card
5. Tata Neu Plus HDFC Bank Credit Card
6. Shoppers Stop HDFC Bank Credit Card
7. Shoppers Stop Black HDFC Bank Credit Card
8. Paytm HDFC Bank Credit Card
9. Paytm HDFC Bank Select Credit Card
10. Paytm HDFC Bank Mobile Credit Card
11. Paytm HDFC Bank Digital Credit Card
12. HDFC Bank Times Card Credit Platinum
13. HDFC Bank Times Card Credit
14. 6E Rewards - IndiGo HDFC Bank Credit Card
15. 6E Rewards XL - IndiGo HDFC Bank Credit Card

Lifestyle Credit Cards

1. HDFC Bank Regalia Gold Credit Card
2. HDFC Bank Diners Club Privilege Credit Card

Easy EMI Credit Cards

1. HDFC Bank Easy EMI Credit Card

Business Credit Cards

1. HDFC Bank UPI RuPay Biz Credit Card
2. HDFC Bank Business Regalia
3. HDFC Bank Business MoneyBack
4. Pine Labs HDFC Bank Credit Card
5. Pine Labs HDFC Bank Pro Credit Card
6. HDFC Bank CSC Small Business MoneyBack
7. Paytm HDFC Bank Business Credit Card
8. Paytm HDFC Bank SELECT Business Credit Card
9. Best Price Save Max HDFC Bank Credit Card
10. Best Price Save Smart HDFC Bank Credit Card
11. Flipkart Wholesale HDFC Bank Credit Card

Corporate Credit Cards

1. HDFC Bank Corporate Platinum Credit Card
2. HDFC Bank Corporate Premium Credit Card
3. HDFC Bank & SAP Concur Solutions Black Corporate Credit Card
4. HDFC Bank & SAP Concur Solutions Prime Corporate Credit Card

Purchase Solutions Corporate Credit Cards

1. HDFC Bank Purchase Premium Credit Card
2. HDFC Bank Purchase MoneyBack Credit Card
3. HDFC Bank Purchase Credit Card
4. HDFC Bank Purchase Reward Credit Card
5. HDFC Bank Central Travel Account Credit Card
6. HDFC Bank Accounts Payable Program Credit Card
7. HDFC Bank Accounts Receivable Program Credit Card
8. HDFC Bank Auto Insurance Program Credit Card
9. HDFC Bank Dealer Credit Card
10. HDFC Bank Fleet Program Credit Card
11. HDFC Bank TMC Credit Card

Other Credit Cards

1. HDFC Bank All Miles Credit Card
2. HDFC Bank Bharat Credit Card
3. HDFC Bank Diners Club Premium Credit Card
4. HDFC Bank Diners Club Rewardz Credit Card
5. HDFC Bank Doctor's Regalia Credit Card
6. HDFC Bank Doctors Superia Credit Card
7. HDFC Bank Platinum Edge Credit Card
8. HDFC Bank Platinum Plus Credit Card
9. HDFC Bank Solitaire Credit Card
10. HDFC Bank Superia Credit Card
11. HDFC Bank Teachers Platinum Credit Card
12. HDFC Bank Titanium Edge Credit Card
13. HDFC Bank Visa Signature Credit Card
14. HDFC Bank World MasterCard Credit Card
15. HDFC Bank Regalia First Credit Card
16. HDFC Bank Diners ClubMiles Credit Card
17. HDFC Bank Regalia Credit Card
18. InterMiles HDFC Bank Diners Club Credit Card
19. InterMiles HDFC Bank Signature Credit Card
20. InterMiles HDFC Bank Platinum Credit Card

HDFC Credit Card Bill Payment

Customers can use any of the following modes of payments:

1. HDFC Bank Netbanking
2. Non-HDFC Bank Netbanking
3. HDFC Bank Mobile Application
4. Auto pay
5. ATM Funds Transfer

How to Register for HDFC Credit Card Net Banking?

As an existing HDFC Bank account holder, you can register for HDFC Credit Card Net Banking services by following the below given steps.

1. Customers need to login into NetBanking with their customer ID and internet password.
2. Inside the Net Banking account, click on the credit card tab.
3. Add your new card, by selecting the 'Register New Card' feature.
4. Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on 'Submit'.

Activate HDFC Credit Card Online Transactions via WhatsApp

The procedure that must be followed to activate online transactions via WhatsApp is given below:

1. Add the HDFC WhatsApp number (70-700-222-22) to your contacts.
2. Send a WhatsApp message 'Manage My Credit Card' to that number.
3. You will receive a message with several options.
4. Select the 'Online (E-Commerce) Transactions' option. You will need to enter the number under which the option is available.
5. An OTP will be sent to the registered mobile number, enter it.
6. Next, the last four digits of the credit card number must be entered.
7. The status will be displayed.
8. An option will be provided to activate online transactions.

Key Points to Consider While Applying for a HDFC Credit Card

Rewards Points System

 HDFC Bank offers a rewards points system for both offline and online Credit Card transactions, providing a significant advantage. You can redeem these accrued points for a variety of rewards from our catalogue, gift vouchers from renowned brands, and airline miles, or offset them against your statement balance. Select Credit Cards can earn you higher reward points. It's essential to utilise your reward points before they expire and keep an eye out for exclusive Credit Card offers linked to your reward points.

Credit Card Statement

As a result, HDFC Bank issues monthly credit card statements that outline all transactions conducted during a credit cycle, including the amounts charged, the due date, and outstanding balances These statements are generated on a fixed date, which may not necessarily be the first day of the month and are sent to your registered email address.

Credit Card Cash Withdrawal

 You can utilise your Credit Card to withdraw cash from ATMs through our Credit Card cash advance facility. The permissible cash withdrawal limits depend on your card type and differ from the credit limit. The bank applies credit card interest rates and other applicable fees to Credit Card cash withdrawals.

Fees & Charges

HDFC Bank imposes specific Credit Card fees depending on the type of Credit Card you hold. These fees include an annual maintenance charge, cash advance fees for withdrawals, foreign currency markup fees, late payment charges, interest on outstanding dues, over-limit fees, and GST charges.

Credit Card Bill Payment

 HDFC Bank generates a new bill each month according to your credit cycle. You have approximately 20 days after the bill generation date, along with an interest-free period of about 50 days. It is necessary to make at least the minimum amount due. No additional charges are levied by the bank if you pay your outstanding dues in full on or before the due date. However, interest is applicable for partial or non-payments. You also have the option to set up automatic Credit Card payments through standing instructions from your Savings Account.

Dos & Don'ts of HDFC Credit Cards

When it comes to conducting various offline and online Credit Card transactions, it's essential to follow these best practices and guidelines to make the most of your HDFC Bank Credit Card.

What To Do:

Research The Cards: HDFC Bank provides a range of Credit Cards to suit diverse needs, from shopping Credit Cards to top airline Credit Cards. Ensure you explore our array of offerings based on your eligibility and select the Credit Card that best aligns with your preferences.

Assess Terms and Conditions: It's crucial to thoroughly review the key terms and conditions associated with your Credit Card, including credit limits, interest rates, cash withdrawal details, fees, and charges. Be aware of waivers, discounts, and any ongoing Credit Card offers.

Repay Dues on Time: Paying your dues in full is highly advantageous, showcasing your creditworthiness to the bank over time. Moreover, you can avoid interest charges by settling your entire outstanding balance promptly.

Leverage Credit Limit Enhancement: If you qualify for a credit limit increase, make the most of it. An enhanced credit limit provides more flexibility for spending and earning reward points, so use it wisely.

Know About Billing and Payment Dates: Familiarise yourself with your billing and payment dates. The billing date is when the bank sends you a detailed bill of your Credit Card expenditures during the last billing cycle, while the payment date is the deadline for clearing your dues. Staying aware of these dates helps avoid late payment charges.

Track Your Expenses: Regularly monitor your Credit Card expenses to detect and prevent fraudulent transactions. You can set up SMS and email alerts for every Credit Card transaction. If you notice any suspicious activity, report it to the bank immediately and consider blocking your card.

What Not to Do:

Don't Over-utilise the Entire Credit Limit: Optimal utilisation of your card's credit limit is advised. Overusing the credit limit may negatively impact your credit score, lead to substantial debt, and complicate the repayment process.

Don't Apply for Too Many Credit Cards: While having more than one Credit Card, especially during emergencies, may seem beneficial, applying for multiple Credit Cards is not advisable. It can create the impression of being credit-hungry or having a propensity for risk-taking behaviour.

Don't Pay Only the Minimum Amount Due: It's not recommended to pay only the minimum amount due on your Credit Card. This approach typically carries the remaining balance forward to the next billing cycle, incurring interest charges on the delayed payment and increasing your outstanding Credit Card debt.

Credit Card Security Measures

Knowing how to use your Credit Card securely is of utmost importance. Here are some key security measures to consider:

1. Card Features and Usage: Your Credit Card contains essential details, including your card number, name, expiration date, and CVV number, which are required when making online transactions. For added security, you must enter a 4-digit PIN and a One Time Password (OTP) sent to your registered mobile number (RMN) by the bank to authenticate the transaction. Ensure the safety of your transactions by refraining from sharing your PIN or OTP with anyone.
2. Overseas Usage: You have the option to activate your card for international use at any time. However, it is advisable to deactivate this feature once you return to India. If you lose your card or suspect any fraudulent or suspicious activities on your card, promptly notify us. In such cases, the bank will immediately block the card to prevent unauthorised usage.
3. Avoid Sharing Card Details: Exercise caution when responding to communications that request your card number, expiry date, or other sensitive information. While certain values may be required when you contact us through our helpline, remember that HDFC Bank or its representatives will never ask you for your Credit Card PIN, CVV, or OTPs. Under no circumstances should you share this information with anyone.

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>