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- PAY Cards, Bill Pay
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- RemitNow2India (Foreign Inward Remittance)
- Religious Offering's & Donation
- Forex Services for students
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- Cards
- Bill Payments
- Recharge
- Payment Solutions
- Money Transfer
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- BORROW Loans, EMI
- INSURE Cover, Protect
- Shop Offers, Discounts
- My Mailbox
- My Profile
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- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow2India (Foreign Inward Remittance)
- Religious Offering's & Donation
- Forex Services for students
- RemitNow (Foreign Outward Remittance)
- Remittance (International Money Transfers )
- Visa CardPay
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- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- Shop Offers, Discounts
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- My Profile
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Money Transfer
- To Other Account
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- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow2India (Foreign Inward Remittance)
- Religious Offering's & Donation
- Forex Services for students
- RemitNow (Foreign Outward Remittance)
- Remittance (International Money Transfers )
- Visa CardPay
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Credit Card - Compare & Apply Credit Cards Online
Credit Cards are handy financial tools that offer you the convenience of managing your expenses effortlessly. With an HDFC Bank Credit Card, you can swipe your way to convenience and have the freedom to cover a wide range of expenses.
Whether you are booking a hotel, a flight, paying utility bills, getting the latest gadgets, or shopping online or in stores, HDFC Bank Credit Card is your trusted companion. It lets you cover both small and big expenses effortlessly.
What’s more, you get to enjoy unique offers, discounts, and reward points when you use your Credit Card, both online and offline. We have collaborated with top brands like Shoppers Stop, BookMyShow, Marriott, Indigo, Swiggy, Tata Neu, and more (available on select cards) so that you can save more while you shop.
Occupation
Salaried^Regalia Credit Card^Millennia Credit Card^MoneyBack Credit Card^InterMiles HDFC Bank Signature Credit Card^InterMiles HDFC Bank Platinum Credit Card^IndianOil HDFC Bank Credit Card^6E Rewards - IndiGo HDFC Bank Credit Card^6E Rewards XL- IndiGo HDFC Bank Credit Card^]Self Employed^Regalia Credit Card^Millennia Credit Card^MoneyBack Credit Card^InterMiles HDFC Bank Signature Credit Card^InterMiles HDFC Bank Platinum Credit Card^IndianOil HDFC Bank Credit Card^Business Regalia^Business MoneyBack^CSC Small Business MoneyBack^6E Rewards - IndiGo HDFC Bank Credit Card^6E Rewards XL- IndiGo HDFC Bank Credit Card^]
Salaried
Annual Income
1200000,InterMiles HDFC Bank Signature Credit Card,]840000,Regalia Credit Card,]600000,Millennia Credit Card,MoneyBack Credit Card,InterMiles HDFC Bank Platinum Credit Card,IndianOil HDFC Bank Credit Card,6E Rewards - IndiGo HDFC Bank Credit Card,6E Rewards XL- IndiGo HDFC Bank Credit Card,]
Your interest
Lifestyle,MoneyBack Credit Card,Regalia Credit Card,Millennia Credit Card,]Travel,InterMiles HDFC Bank Signature Credit Card,InterMiles HDFC Bank Platinum Credit Card,6E Rewards - IndiGo HDFC Bank Credit Card,6E Rewards XL- IndiGo HDFC Bank Credit Card,]Fuel,IndianOil HDFC Bank Credit Card,]
Self Employed
Annual Income
1200000,InterMiles HDFC Bank Signature Credit Card,]840000,InterMiles HDFC Bank Signature Credit Card,Regalia Credit Card,Business Regalia,]600000,Millennia Credit Card,MoneyBack Credit Card,InterMiles HDFC Bank Platinum Credit Card,IndianOil HDFC Bank Credit Card,Business MoneyBack,CSC Small Business MoneyBack,6E Rewards - IndiGo HDFC Bank Credit Card,6E Rewards XL- IndiGo HDFC Bank Credit Card,]
Your interest
Lifestyle,Regalia Credit Card,Millennia Credit Card,MoneyBack Credit Card,]Travel,InterMiles HDFC Bank Signature Credit Card,InterMiles HDFC Bank Platinum Credit Card,6E Rewards - IndiGo HDFC Bank Credit Card,6E Rewards - IndiGo HDFC Bank Credit Card,]Fuel,IndianOil HDFC Bank Credit Card,]Business,Business Regalia,Business MoneyBack,CSC Small Business MoneyBack,]
Let us suggest the best cards
Metal Card
Unlimited Airport Lounge Access
6 Complimentary Golf games every quarter across the finest courses in the world
Complimentary Annual memberships of Club Marriott, Amazon Prime, Swiggy One as Welcome Benefit
10,000 Bonus Reward Points on spends of ₹ 4 lakh every calendar quarter
2X Reward Points on Weekend Dining
5 Reward Points for every ₹ 150 spent
Up to 10X Reward Points via SmartBuy
1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of 15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other appliacble purchases*
10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
5% Cashback on online spends across top brands. For list of eligible MCC
1% Cashback on other categories. For list of exclusions & capping
Complimentary Swiggy One Membership for 3 months on card activation as per latest RBI guidelines
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
3% Cashpoints on Groceries, SuperMarket & Dining spends & all PayZapp transactions. (Maximum of 500 Points can be earned in a calendar month)
2% Cashpoints on Utility spends (Maximum of 500 Points can be earned in a calendar month)
1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel & Government categories) (Maximum of 500 Points can be earned in a calendar month)
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
5X CashPoints on EMI spends at merchant locations
2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
Gift vouchers worth upto ₹2000 annually
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
8 Complimentary Domestic Airport Lounge access annually
Earn 10X CashPoints on your favourite merchants ( Big Basket, BookMyshow, OYO, Swiggy & Uber )
Earn 5X CashPoints on EMI spends at merchant locations
Earn 1 CashPoint per every Rs.150 on other spends ( Excluding fuel, Wallets loads )
Interest Rate of just 0.99% for first 90 days on retail/non-EMI spends
Earn up to 50 Liters of Free fuel annually
Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
Earn 1 Fuel Point for every Rs. 150 spent on all other purchases
Enjoy 1% Fuel Surcharge waiver
Metal Card
Unlimited Airport Lounge Access
6 Complimentary Golf games every quarter across the finest courses in the world
Complimentary Annual memberships of Club Marriott, Amazon Prime, Swiggy One as Welcome Benefit
10,000 Bonus Reward Points on spends of ₹ 4 lakh every calendar quarter
2X Reward Points on Weekend Dining
5 Reward Points for every ₹ 150 spent
Up to 10X Reward Points via SmartBuy
Complimentary Club Marriott membership for first year
Complimentary nights & weekend buffet at participating ITC hotels
Unlimited Complimentary golf games at leading courses across India and select courses across the world
5 Reward Points for every ₹ 150 spent
Global Personal Concierge -24 X 7
1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of 15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other appliacble purchases*
10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
5% Cashback on online spends across top brands. For list of eligible MCC
1% Cashback on other categories. For list of exclusions & capping
Complimentary Swiggy One Membership for 3 months on card activation as per latest RBI guidelines
5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
1 Reward Point for every INR 100 spent on all other spends*.
Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
8 complimentary access to select IRCTC Executive Lounge every year (2 per quarter)
Gift voucher worth INR 500 on quarterly spends of INR 30,000.
5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1.5% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access
2% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
4 Complimentary Domestic Airport Lounge Access
Life Time free card
Welcome Voucher worth ₹500
Earn 6 Shoppers Shop Points on Shoppers Stop private label brands
Earn 2 Shoppers Shop Points on all other Shoppers Stop brands & other category spends
Earn additional 2,000 Shoppers Shop Points annually
Welcome Voucher worth ₹1,500
Complimentary First Citizen BLACK membership
Earn 20 Shoppers Shop Points on Shoppers Stop Private label brands
Earn 15 Shoppers Shop Points on all other Shoppers Stop brands
Earn 5 Shoppers Shop Points on all other spends
Upto 3% Unlimited Cashback everytime
Paytm First Membership - Upto 75k worth benefits
Earn upto Rs. 1200 Cashback annually
Upto 50 days of credit free period
Upto 5% Unlimited Cashback everytime
Paytm First Membership - Upto 75k worth benefits
8 Complimentary Airport Lounge Access
Gift Vouchers worth Rs.500 every Calendar Quarter
Upto 2% Accelerated Cashback on Scan & Pay
Upto 2% Cashback on Swiggy & Uber spends
Customize your card the way you like
Instant issuance/ virtual credit card
Complimentary Times Prime Annual Membership worth Rs 999
Up to 20% discount offers on travel & shopping on www.hdfcbank.timescard.com
50 % discount on Movies on Book My show
3 Reward points for every Rs.150 spent on the card
10 Reward points per Rs 150 on weekday Dining
Complimentary Times Prime Annual Membership worth Rs. 999
Up to 20% discount offers on travel and shopping on www.hdfcbank.timescard.com
25 % discount on Movies on Book My show
2 Reward points for every Rs.150 spent on the card
5 Reward points per Rs 150 on weekday Dining
2.5% 6E Rewards on IndiGo
2% 6E Rewards on Grocery, Dining & Entertainment
1% 6E Rewards on all other spends*
Up to 10% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)
5% 6E Rewards on IndiGo
3% 6E Rewards on Grocery, Dining & Entertainment
2% 6E Rewards on all other spends*
Up to 15% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
8 Complimentary Domestic Airport Lounge access annually
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
5X CashPoints on EMI spends at merchant locations
2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
Gift vouchers worth upto ₹2000 annually
'Buy 1 Get 1 Free' on all tickets via BookMyShow
5X Reward Points on Swiggy and Zomato
Complimentary Annual Memberships of Swiggy One and Times Prime as Welcome Benefit
₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of Rs. 1.5 lakh
8 Complimentary airport lounge access worldwide
4 Reward Points for every ₹ 150 spent
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
1 Reward Point for every INR 100 spent on all other spends*.
Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
8 complimentary access to select IRCTC Executive Lounge every year (2 per quarter)
Gift voucher worth INR 500 on quarterly spends of INR 30,000.
2.5% 6E Rewards on IndiGo
2% 6E Rewards on Grocery, Dining & Entertainment
1% 6E Rewards on all other spends*
Up to 10% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)
5% 6E Rewards on IndiGo
3% 6E Rewards on Grocery, Dining & Entertainment
2% 6E Rewards on all other spends*
Up to 15% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)
5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1.5% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access
2% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
4 Complimentary Domestic Airport Lounge Access
Life Time free card
Welcome Voucher worth ₹500
Earn 6 Shoppers Shop Points on Shoppers Stop private label brands
Earn 2 Shoppers Shop Points on all other Shoppers Stop brands & other category spends
Earn additional 2,000 Shoppers Shop Points annually
Welcome Voucher worth ₹1,500
Complimentary First Citizen BLACK membership
Earn 20 Shoppers Shop Points on Shoppers Stop Private label brands
Earn 15 Shoppers Shop Points on all other Shoppers Stop brands
Earn 5 Shoppers Shop Points on all other spends
Earn up to 50 Liters of Free fuel annually
Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
Earn 1 Fuel Point for every Rs. 150 spent on all other purchases
Enjoy 1% Fuel Surcharge waiver
Complimentary Airport Lounge Access through Priority Pass Membership
Professional Indemnity Insurance Cover of up to ₹ 20 Lakhs
Earn Bonus 15,000 Reward Points on spends of ₹ 8 lakhs in a year
Welcome benefit of up to 8,000 InterMiles and earn 6 InterMiles per every Rs.150 spent
InterMiles Silver tier Membership for first year
2X InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com
Complimentary Domestic & International Lounge Access*
Complimentary Annual memberships of Amazon Prime, Swiggy One, MMT BLACK,
Complimentary Ola | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 40,000 every month
4 Reward Points for every Rs 150 spent
Upto 10X RP on spends via SmartBuy
Complimentary Golf games across the finest courses in the world
12 complimentary Airport Lounge Access worldwide
Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK
Complimentary Ola | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
5 Reward Points for every Rs 150 spent
Upto 10X Reward Points via SmartBuy
Complimentary Golf games across the finest courses in the world
Unlimited Complimentary Airport Lounge Access
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
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:
- 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.
Manage Your Credit Cards
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Track Your Credit Card
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Redeem Reward Points
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Personal MITC
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Enable Autopay
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Retail Card Member Agreement
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Credit Cards Policy
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DSA code of conduct
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Fair practices code
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Transaction alerts
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Statement Payment Related Info
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Bill Value
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CC Monthly statements
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Global value
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Purchase MITC
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Secure your Bank Cards with OneAssist
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Corporate MITC
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Credit Card Rewards Program
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MyRewards Program Terms & Conditions
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Pay Credit Card Bill
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CC - Rewards redemption process
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Priority Pass
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Dedicated Corporate Travel Portal
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Corporate Card Member Agreement
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Contactless Cards
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Chip+PIN Credit Card
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Co-Brand Credit Card Revenue Sharing Disclosure
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Easy EMI
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Key Fact Statement- Purchase Card
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Key Fact Statement- Corporate Card