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HDFC Bank Credit Card Features

•  New Card Holder Advantages

Get exclusive benefits when you sign up for a Credit Card with HDFC Bank. Plus, you can enjoy additional rewards on annual spends above certain specific limit.

• SmartEMI
  

Turn your Credit Card purchases of ₹2,500 or above into easy Equated Monthly Instalments (EMIs). With SmartEMIs, you can enjoy flexible repayment options with competitive interest rates for both online and in-store Credit Card purchases.

• Contactless Payments
  

Make instant payments with complete security using our Credit Cards with contactless payment features. Just give a quick tap on the POS machine to make swift and hassle-free transactions at stores. Activate contactless payments through MyCards.

• Foreign Currency Markup
  

Our competitive foreign currency markup on selected HDFC Bank Credit Cards allows more savings when you shop while in abroad.

• Insurance Coverage
  

Get complimentary insurance coverage with select HDFC Bank Credit Cards. You can avail of coverage worth of several lakhs for air accidents and emergency hospitalisation.

• Revolving Credit Facility
  

Take advantage of revolving credit facilities at affordable interest rates with HDFC Bank Credit Cards. Review the Most Important Terms and Conditions (MITC) for more details.

• Airport Lounge Access
  

Enjoy free access to airport lounges at both domestic and international airports with select HDFC Bank Credit Cards.

• No Lost Card Liability​​​​​​​

Contact our all-round support centre to report if your card gets lost or stolen. We provide liability waivers on fraudulent transactions when you report promptly. 

• Make UPI Payments ​​​​​​​

Your RuPay Credit Card is enabled for UPI payments. All you have to do is link your RuPay Credit Card on a UPI-enabled app like PayZapp, generate a PIN and start making payments.

Eligibility Criteria To Apply For Credit Card

• ​​​​​​​Age

You should be at least 18 years old.

• Nationality

You should be an Indian National.

• Residential Status

You should be a Resident or Non-Resident Indian.

• Employment Status

You should be a salaried professional or a self-employed individual.

• Annual Income

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HDFC Bank determines your eligibility for Credit Card and subsequent credit limit based on your annual income.

*HDFC Bank revises your credit limit based on your annual spends, card usage, and changing income. We also send invitations to upgrade your Credit Cards based on your usage.

Things To Know Before Applying for a Credit Card

• Your Credit Card Statement

HDFC Bank generates a Credit Card statement every month that lists all your transactions. It includes the credit limit you have spent, the due date for payments, and the total outstanding balance. This statement is generated as per your billing cycle. The Bank will send you this statement to your registered email address.

• Cash Withdrawals with Your Credit Card
  
  You can use the Cash Advance service to withdraw cash from ATMs using your Credit Card. The amount you can withdraw depends on your card type and the predetermined cash advance limit. When you withdraw cash using your Credit Card, the bank will levy interest on the withdrawn amount along with other applicable charges.

• Fees & Charges
  
  HDFC Bank applies specific fees on your Credit Card use, depending on the type of card you have. These fees include annual maintenance charges and other charges which are levied on different conditions. It also includes fees for cash advances, foreign currency conversion fees, late payment charges, interest on unpaid balances, fees for going over your credit limit, and applicable Goods and Services Tax (GST) charges.

• Reward Points​​​​​​​

Your Credit Card transactions, both online and offline, can help you earn rewards, cashback and other offers. You can redeem the accumulated points for brand vouchers, airmiles, statement credit, etc. Ensure you use your reward points before they expire.​​​​​​​

• Bill Payment

When the Credit Card bill is generated, you have up to 20 days to pay it. Before the due date, you must pay at least the minimum amount due to avoid late payment charges. You may make a part payment. However, the outstanding balance will accrue interest and applicable taxes.

Credit Card – Dos And Dont’s

You can conduct various offline and online Credit Card transactions. Consider these Credit Card usage etiquette to enjoy uninterrupted benefits with your HDFC Bank Credit Card.

- What To Do:

• Research The Cards

HDFC Bank offers an array of Credit Cards catering to various needs. From shopping credit cards to best airline credit cards, please check our bouquet of offerings based on your eligibility and choose your preferred Credit Card.

• Assess Terms and Conditions

You must check the vital terms and conditions concerning credit limits, interest rates, cash withdrawals, fees and charges, waivers, discounts, Credit Card offers, etc., when you apply for a Credit Cards online.

• Repay Dues on Time
  
  

Repaying your dues in full proves incredibly beneficial as it showcases your creditworthiness to the bank over a specific period of time. Also, you do not have to pay interest if you repay your total outstanding dues on time.

• Leverage Credit Limit Enhancement

HDFC Bank will inform you if you qualify for credit limit enhancements. An enhanced credit limit gives you freedom to buy more and earn more reward points so use it to your advantage.

• Know About Billing and Payment Dates

​​​​​​​The billing date is when the bank sends you an itemised bill comprising your Credit Card spends during the last billing cycle and the payment date is the date on or before which you must clear your dues. Ensure you keep track of these dates to avoid late payment charges.

• Track your Expenses

Keep track of your Credit Card expenses frequently to avoid fraudulent transactions. You can track your spends by opting to receive SMS and email alerts following every Credit Card transaction. Also, inform the bank and block your card immediately in case of fraudulent transactions.

- What Not to Do: 

• Don’t Over Utilise the Entire Credit Limit​​​​​​​

​​​​​​​Utilising only a part of your card’s credit limit may be the right way to go. Over-utilisation of the credit limit may impact your credit score, burden you with a huge debt, and makes repayment difficult.

• Don’t Apply for Too Many Credit Cards
  
  

While it may seem wise to have more than one Credit Card and by extension an additional credit limit, especially during emergencies, applying for multiple Credit Cards may not be not prudent. Doing so may make you appear credit hungry or a imply risk-taking tendencies.

• Don’t Pay Just the Minimum Amount Due
  ​​​​​​​

​​​​​​​​​​​​​​Paying only the minimum amount due on your Credit Card is not recommended. By choosing this option, you would typically carry forward the remaining amount to the next cycle, incurring an interest rate on the delayed payment, and increasing your outstanding Credit Card debt.

Tips For Secure Credit Card Usage

Understanding how to use a Credit Card wisely is vital. Consider these security tips.

• Card Features and Usage

​​​​​​​
Your Credit Card comprises details like your name, card number, expiration date and the CVV number. While making online transactions, you must enter these details. You must also input the 4-digit pin along with a One Time Password (OTP) the bank sends on your registered mobile number (RMN) to authenticate the transaction. Ensure secure transactions by not sharing your PIN or OTP with anyone.

• Overseas Usage

​​​​​​​

You can activate your card for international usage anytime. We recommend you deactivate it soon after arriving in India. You must inform us immediately upon losing your card or if you notice fraudulent or suspicious transactions on your card. The bank will block the card immediately in such cases.

• Avoid Sharing Card Details
  ​​​​​​​

Do not respond to correspondences asking for your card number, expiry date, or other data. While you may have to input some values when you call us on the helpline, remember that HDFC Bank or our representatives will never ask you for your Credit Card PIN, CVV, or OTPs. Do not share this information with anyone.

Credit Card FAQs

•  What is a Credit Card?

A Credit Card is a payment tool that allows you to make purchases and pay for them later. It comes with a predetermined credit limit that you can use to make online or in-store purchases. You will receive a monthly statement detailing your spends, and you can choose to pay the full balance or a portion of it, with interest applied to the remaining balance if not paid in full.

• What is the purpose of a Credit Card?
  

A Credit Card allows you to buy products and services on credit, while you can pay for the same at a later date. It enables you to make purchases instantly and you do not have to postpone your expenses due to a lack of cash at hand or if you have limited funds in your Savings Account.

• How does a Credit Card Work?
  

When you use a Credit Card for a transaction, the bank pays the merchants or retailers on your behalf. After that, you have to repay the amount to the bank. Each month, you receive a statement detailing your charges, and you have the option to pay the full balance or a minimum payment on or before the Credit Card due date.

• How to apply for a Credit Card?
  

Here is how you can apply for a new HDFC Bank Credit:

1. Apply for a Credit Card online through HDFC Bank's website by following these steps:

• Visit the Credit Card page on our website.
  
• Check your eligibility through our online eligibility calculator.
  
• Get right recommendation of HDFC Bank Credit Card for you.
  
• Provide your address and employment details for review.
  
• Authorise the application using Net Banking or your Debit Card.
  
• We will review your application internally. Upon successful approval, we will issue you a new Credit Card.
  

2. Visit your nearest HDFC Bank branch:

• Apply for a Credit Card using a physical form.
• Provide the necessary details and get your Credit Card delivered to your doorsteps.

• How to check the eligibility for an HDFC Bank Credit Card?

You can easily check your eligibility by visiting the HDFC Bank Credit Card page on the website. Enter your Mobile Number and Date of Birth, and we will let you know if you are eligible to get an HDFC Bank Credit Card.

• What are the documents required while applying for a Credit Card?

For existing HDFC Bank customers:

a. Being an HDFC Bank customer, your latest mailing address is updated in our records, so we will NOT need your address documents for an HDFC Bank Credit Card application, but we will require your income documents. In the event we do need your address proof, we will let you know accordingly. Acceptable income proof documents include salary slip or income tax return for the last 3 years.

b. In case your latest mailing address requires changing, you will need to provide your latest Address proof and income proof. Acceptable mailing address proof documents include an Aadhar card, Indian passport, voter ID (issued in India), and driving license (issued in India). Acceptable income proof documents include salary slip or income tax return for the last 3 years.

For new customers: We will need your address, income, and identity proof, as listed in the application process.

• Can cardholders who already have a Credit Card apply for another one?

You can easily apply for an HDFC Bank Credit Card despite already having a Credit Card if:

a. Your existing Credit Card is from another bank

b. You have a good Credit Score

However, if you already have an HDFC Bank Credit Card, we will not be able to give you another HDFC Bank Credit Card.

• How can I track and control my Credit Card spending?

Visit the HDFC Bank MyCards portal to effortlessly monitor and manage your Credit Card expenses.

• How can I track and control the Spends on my Credit Card?

Easily monitor and control your Credit Card Spends through HDFC Bank MyCards.

• Do I have to pay Credit Card bills if I don't use my Card?

HDFC Bank Credit Cards come with certain payable charges irrespective of whether you use your Card. However, if you meet certain conditions, we can waive those charges. Click here to know the conditions mentioned above.

• In what ways can cardholders utilise their reward points?

Once you have accumulated Reward Points, you can redeem them for products through the rewards catalogue, gift vouchers, flight tickets, hotel bookings etc., through NetBanking.

• What are the rules pertaining to interest payments on purchases made using a Credit Card?

You don't have to pay interest on all purchases. However, suppose you do not repay the total outstanding amount on or before the bill due date. In that case, the unpaid dues and all additional transactions begin attracting interest till the pending amount is repaid in full.

• What does Late Payment Fee on Credit Cards mean?

If you do not pay the minimum amount due on your Credit Card by the payment due date, you will be levied a late payment fee. Frequent late payments may affect your Credit Rating.