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HDFC Bank Credit Card

HDFC Bank credit cards are a popular and trusted financial product offered by HDFC Bank, which is the largest private sector bank in India. These credit cards provide a convenient way for individuals to make purchases and payments, allowing them to buy now and pay later. MyCards HDFC Bank offers a wide range of credit cards to cater to different needs, including rewards cards, cashback cards, shopping cards, and travel cards. With their extensive selection, My Card HDFC Bank ensures that customers can find a credit card that suits their requirements. These credit cards have gained popularity in the Indian market and are known for their attractive features and benefits.

Features and Benefits of HDFC Bank Credit Card

  • When you activate your HDFC Bank Credit Card, you get special rewards. These rewards can be things like free memberships, bonus points, cashback, and gift vouchers. You usually receive these rewards after paying the joining fee.
  • When you use your My Card HDFC Bank Credit Cards for purchases, you earn rewards in the form of points or cashback.
  • Milestone benefits are like welcome benefits, but you need to reach a certain spending threshold or target. It include free air tickets, extra points, cashback, and gift vouchers.
  • It offers travel credit cards with perks like airport lounge access, free air tickets, and premium memberships.
  • It offer additional benefits like insurance coverage, fuel surcharge waivers, complimentary golf rounds, and annual fee waivers based on spending.

HDFC Bank Credit Card Fees and Charges

  • Withdrawing cash using your ATM card will cost you a fee of 2.5% or at least INR 500, whichever is higher. You can pay this fee on your next credit card bill due date.
  • If you spend more than your credit card limit, you’ll be charged a penalty of 2.5% or at least INR 550.
  • If your cheque bounces, you’ll be charged a fee of 2% or at least INR 450.
  • Paying your credit card bill in cash will cost you a fee of INR 100 each time.
  • When you redeem your reward points, there will be a fee of INR 99 each time.

HDFC Bank Credit Card Eligibility Criteria

Age: applicant should be 18 years old.
Income: This varies from card to card, some cards only need a monthly income of INR 25,000, while others require a minimum income of at least INR 1 lakh.
Residential Status: The applicant must be an Indian citizen.

HDFC Bank Credit Cards Documents Required

  • Identity proof such as Aadhar Card/PAN card, driver’s license.
  • Address proof such as electricity/telephone bill, driving licence.
  • Income proof such as Salary Slip or audited ITR.

How To Apply for HDFC Bank Credit Card?

You can apply for an HDFC Bank Credit Card in the following ways:

Visit the branch: Go to an HDFC branch and order the credit card you want.
Call customer care: Apply by calling HDFC’s customer care and requesting the credit card.
Sales call: Order a credit card during a sales call from the bank. They may take your order on the call, but it’s recommended to ask them to come home for KYC if you’re not comfortable with technology.
Online application: Apply online through the HDFC website. Fill in basic information like your phone number and name. Verify the OTP sent to your phone and provide more specific details like your location. Submit the application, and the bank will arrange a video call or a visit to your house.
Offline application: Visit an HDFC branch, provide the necessary KYC documents, and apply for a credit card. The branch will verify your KYC, and within seven to twenty business days, you’ll receive the credit card by mail at your residential address.

List of Best HDFC Bank Credit Cards

HDFC Bank Regalia Credit Card
Annual Fee: INR 2500 + 18% GST
Annual Fee Spending Waiver : No annual fee on spending INR 3 lakh in one year.
Welcome Benefits : 2,500 points

INFINIA Credit Card Metal Edition
Annual Fee First Year: INR 12,500 + 18% GST
Annual Fee Spending Waiver: On spending INR 10 lakh in one year.
Welcome Benefits: Complimentary Club Marriott membership 12,500 Reward Points (for one year only).

HDFC Business MoneyBack Credit Card
Annual Fee: INR 500 + GST
Annual Fee Spending Waiver: On spending INR 50,000 in one year.
Welcome Benefits: Nil

InterMiles HDFC Bank Platinum Credit Card
Annual Fee: INR 1,000 + 18% GST
Annual Fee Spending Waiver: On spending INR 2 lakh 50 thousand in one year.
Welcome Benefits: 3,000 Bonus InterMiles.