Free credit period:
Avail up to 50 days of interest free credit on your Retailio HDFC Bank Credit Card

Customer Benefits:

  • Earn 4 reward points on online purchases
  • Earn 2 reward points on other expenses
  • Get 5% cashback on business essentials
  • Enjoy lower working capital charges @ 1% on spends towards Retailio

With effect from 1st January 2023:

  • Rental and Government related transactions will not earn reward points.
  • Reward points earned on Grocery transactions will be capped to 2,000 per month for Retailio HDFC Bank Credit card.
  • Reward Point Redemption will be capped at 3000 RPs per month.
  • Redemption of Travel Reward Points will be capped at 50,000 RPs per month.
  • Rental Payments – 1% fee will be applicable on Rental transactions from the second rental transaction of the calendar month.
  • International DCC Transactions – 1% mark-up fees to be levied on International DCC Transactions.

Reward points not applicable for Retailio spends, wallet loads, fuel spends & EMI spends

Additional Features

  • Utility Bill Payments : Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily
  • Zero  cost liability : If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.

Fuel Surcharge Waiver

1% Fuel Surcharge waived off on fuel transactions.
(Minimum transaction of ₹400, Maximum CashBack of ₹250 per statement cycle)

Activation benefit

  • Earn 1000 bonus points on spending Rs.500 in total within first 90 days.
  • Exclusive for RIO club members - Additional gift voucher worth Rs.500

Milestone Benefit

Monthly benefits:

  • Earn 500 reward points on spending Rs.25,000 every month
  • Exclusive for RIO club members - Additional 1500 reward points on spending Rs.50,000 evey month

Quarterly benefits:

  • Earn 2000 reward points on spending Rs.1 lak every calendar quarter
  • Exclusive for RIO club members - Additional 5000 reward points on spending Rs.2 lak evey calendar quarter

T&C apply*
As on 24th of every month the status of the customer's membership (RIO or non-RIO) will be considered for posting the benefits for the respective month.

Renewal Offer

Renewal Fee waived upon spending INR 50,000 in preceding year.

Contactless Payment

  • Retailio HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
  • You can use your Card to make quick transactions at merchant locations accepting contactless Cards.

Reward Point Redemption & Validity

  • Accumulated Reward Points can be redeemed for CashBack @ 100 Reward Points = Rs. 20.
  • Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate.
  • Reward redemption fee of Rs. 99 per request will be applicable on all redemptions.

EMI Offers

Enjoy No Cost & Low cost EMI options on your credit card

Quick Loan for Business

Check for term loan eligibility on your credit card for business purposes