CashBack Credit Cards

Apply for Cashback Credit Cards Online 

*Fees & charges are subject to change.

Eligibility Criteria To Apply For Cashback Credit Cards 

Here are the eligibility criteria for an HDFC Bank Credit Card: 

• You must be at least 18 years old. 
  
• You should be an Indian national. 
  
• You should be a salaried professional or a self-employed individual. 
  
  

HDFC Bank evaluates your eligibility and credit limit for a Credit Card based on your annual income. 

Features and Benefits of Cashback Credit Cards 

• Cashback rewards
  
  Cashback Credit Cards rewards allows you to save money on your purchases. You get cashback rewards on your Credit Card spends, which is returned to you as cash.
  
  
• Rewards on everyday spending
  
  Cashback is available for almost all everyday expenses like groceries, dining, fuel, and online shopping, making it an attractive option for your regular spending.
  
  
• Multiple redemption options
  
  You can redeem your cashback as cash, vouchers, or even to offset future purchases, providing you with flexibility in how you use your rewards.
  
  
• Sign-up bonuses
  
  You can get enticing sign-up bonuses on selected HDFC Bank Credit Cards, giving you a head start on earning cashback when you first get the card.
  
  
  

Documents Required to Apply for Cashback Credit Cards 

• For existing HDFC Bank customers
  
  ​​​​​​​If you are an HDFC Bank customer with your latest mailing address already updated in our records. If your latest mailing address needs to be updated or changed, you will be required to furnish both your latest address proof and income proof. Acceptable mailing address proof documents include an Aadhar card, Indian passport, voter ID, or a driving license. For income proof, you can submit your salary slip or income tax return for the past 3 years. 

• For non-HDFC Bank customers – Give H3 

If you are a new customer applying for a Cashback Credit Card with HDFC Bank, you will need to provide your address, income, and identity proof as specified in the application process.  

Give H2 - Things To Keep In Mind When You Choose A Cashback Credit Card 

• Fees & charges – Give H3 

HDFC Bank levies specific fees and charges based on the type of Credit Card you hold. These charges include an annual maintenance fee, cash withdrawal fee, foreign currency markup fee, late payment charges, interest on outstanding dues, fees for exceeding the credit limit, and GST charges. 

•  Credit Card statement and bill payment – Give H3 

HDFC Bank generates a Credit Card statement that contains a comprehensive breakdown of all the transactions made during your credit cycle. HDFC Bank will send a bill every month in accordance with your billing cycle. You have 20 days after the bill generation date and an interest-free period of around 50 days. It is essential to pay at least the minimum amount due by the due date. There are no additional charges if you repay your outstanding dues in full on or before the due date. However, partial or non-payments will incur interest.  

FAQs 

How to apply for cashback Credit Card?

To apply for a Cashback Credit Card with HDFC Bank, you have two convenient options: 

• Online way:
  
       >  Visit HDFC Bank's website and go to the Credit Card page.
       >  Check your eligibility and follow a simple 3-step process.
       >  Apply online and complete the application process.
  
  
• Visit branch:
  
  You can also visit your nearest HDFC Bank branch and apply for a Credit Card with the help of our bank executives.
  
  

Are cashback Credit Cards worth it?

Cashback Credit Cards can be worth it if you use them responsibly and can pay off your balances in full each month. They offer you a percentage of your spending back as cashback rewards to help you reduce overall expenses.

Is cashback Credit Card free for lifetime?

Note that the bank may offer a lifetime free Credit Card, i.e., zero joining or renewal fees, if you spend a certain specific amount on select cards. Ensure you read the terms and conditions.

What does Cashback on Credit Card mean?

Cashback on a Credit Card refers to a reward system where you receive a percentage of your spending back as cash.

How to redeem the cashback received on Cashback Credit Card?

To redeem the cashback received on your cashback Credit Card, here is what you need to do:

1. Log in to your HDFC Bank NetBanking portal.
   
2. Navigate to the "Cards" section.
   
3. Select "Enquire" and then "Redeem Reward Points."
   
4. Choose your Credit Card and continue.
   
5. Select "Cash Redemption" to convert your cashpoints into cash and use it to pay your Credit Card bill.
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To explore more redemption options, click here.