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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.​​​​​​​

                         Check out your credit card offer  

Let us suggest the best cards

New Launched Cards

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Diners Club Black Metal Edition Credit Card

Global Belonging, Ready For You.
  • 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

Marriott Bonvoy HDFC Bank Credit Card

UNMATCHED LUXURY. READY FOR YOU.
  • 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 applicable purchases*

Swiggy HDFC Bank Credit Card

Delightful Rewards. Ready For You
  • 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

Regalia Gold Credit CardSuper Premium

Experience the Golden Side Of Life
  • 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!

HDFC Bank UPI RuPay Credit Card

Welcome to the new world of ‘Credit + Convenience’ with HDFC Bank UPI RuPay Credit Card, enabled for UPI payments
  • 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)

Essentials

Rejoice every big and small, online and offline transaction you make with CashBacks & more that are ready for you.

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MoneyBack+ Credit Card

The Most Rewarding Card For Everyday Spends
  • 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

Millennia Credit Card

The Best CashBack Credit Card
  • 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

Freedom Credit CardLifestyle

The Best Card for Your Everyday Spends & Big Purchases
  • 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 )

IndianOil HDFC Bank Credit CardCo-Brand

Fuel Benefits. Ready For You.
  • giftEarn up to 50 Liters of Free fuel annually
  • giftEarn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
  • reward pointsEarn 1 Fuel Point for every Rs. 150 spent on all other purchases
  • Fuel Surcharge waiverEnjoy 1% Fuel Surcharge waiver

Luxury

Step into a exclusive world of hand-picked, premium indulgences, best-in-class rewards program and global experiences that are ready for you

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Diners Club Black Metal Edition Credit Card

Global Belonging, Ready For You.
  • 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

INFINIA Metal EditionSuper Premium

By Invite only
  • membershipComplimentary Club Marriott membership for first year
  • aeroplaneComplimentary nights & weekend buffet at participating ITC hotels
  • rewardUnlimited Complimentary golf games at leading courses across India and select courses across the world
  • Reward Points5 Reward Points for every ₹ 150 spent
  • GlobalGlobal Personal Concierge -24 X 7

Co Branded

Explore our range of partner-credit cards, in association with some of your favourite lifestyle brands and benefits, ready for you.

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Marriott Bonvoy HDFC Bank Credit Card

UNMATCHED LUXURY. READY FOR YOU.
  • 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 applicable purchases*

Swiggy HDFC Bank Credit Card

Delightful Rewards. Ready For You
  • 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

IndianOil HDFC Bank Credit CardCo-Brand

Fuel Benefits. Ready For You.
  • giftEarn up to 50 Liters of Free fuel annually
  • giftEarn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
  • reward pointsEarn 1 Fuel Point for every Rs. 150 spent on all other purchases
  • Fuel Surcharge waiverEnjoy 1% Fuel Surcharge waiver

Tata Neu Infinity HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.
  • 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

Tata Neu Plus HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.
  • 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

IRCTC HDFC Bank Credit Card

There's a train ride in every swipe
  • 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.

Shoppers Stop HDFC Bank Credit Card

Rewarding Style. Ready for You
  • 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

Shoppers Stop Black HDFC Bank Credit Card

Rewarding Style. Ready for You
  • 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

Paytm HDFC Bank Credit Card.

Unlimited Cashback. Every Time.
  • 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

Paytm HDFC Bank Select Credit Card

Unlimited Cashback. Every Time.
  • 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

Paytm HDFC Bank Mobile Credit Card

Your Mobile is Your Credit Card
  • Upto 2% Unlimited Cashback everytime
  • Upgrade to Paytm HDFC Bank Credit Card in 3 months
  • Customize your card the way you like
  • Instant issuance/ virtual credit card

Paytm HDFC Bank Digital Credit CardCommercial

  • 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

HDFC Bank Times Card Credit PlatinumCo-brand

Great Times. Ready For You.
  • benefitComplimentary Times Prime Annual Membership worth Rs 999
  • benefitUp to 20% discount offers on travel & shopping on www.hdfcbank.timescard.com
  • reward point50 % discount on Movies on Book My show
  • reward point3 Reward points for every Rs.150 spent on the card
  • benefit10 Reward points per Rs 150 on weekday Dining

HDFC Bank Times Card CreditCo-brand

Great Times. Ready For You.
  • benefitComplimentary Times Prime Annual Membership worth Rs. 999
  • foodUp to 20% discount offers on travel and shopping on www.hdfcbank.timescard.com
  • reward point25 % 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

6E Rewards - IndiGo HDFC Bank Credit Card

Buy, Buy, Buy, Fly!
  • gift2.5% 6E Rewards on IndiGo
  • gift2% 6E Rewards on Grocery, Dining & Entertainment
  • gift1% 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)

6E Rewards XL- IndiGo HDFC Bank Credit Card

Buy, Buy, Buy, Fly!
  • gift5% 6E Rewards on IndiGo
  • gift3% 6E Rewards on Grocery, Dining & Entertainment
  • gift2% 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)

HDFC Bank H.O.G Diners Club Credit Card​

The Ultimate Accessory for Harley Owners Group Members
  • Complimentary annual memberships of Club Marriott, MMT Black, Amazon Prime, Swiggy One, Forbes & Harley Vouchers worth ₹ 2500 as a Welcome Benefit
  • Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over ₹ 80,000 every month
  • 10X Reward Points on Harley Spends
  • Complimentary Golf games across the finest courses in the world ( 6 per quarter)

HDFC Bank Harley-Davidson Diners Club Credit Card ​​

The Ultimate Harley-Davidson Accessory
  • 'Buy 1 Get 1 Free' on all tickets via BookMyShow
  • 5X Reward Points on Swiggy and Zomato
  • Complimentary annual memberships of Swiggy One, Times Prime & Harley vouchers (worth Rs 750) as welcome benefit
  • ₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of ₹1.5 lakh
  • 2 Complimentary Airport lounge access every calendar quarter worldwide
  • 4 Reward Points for every ₹ 150 spent
Lifestyle

Lifestyle

Enjoy a life more rewarding with inspired choices and luxurious indulgences that are ready for you.

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Regalia Gold Credit CardSuper Premium

Experience the Golden Side Of Life
  • 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!

Millennia Credit Card

The Best CashBack Credit Card
  • 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

MoneyBack+ Credit Card

The Most Rewarding Card For Everyday Spends
  • 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

Diners Club Privilege Credit Card

Global Belonging. Ready for You
  • '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

Marriott Bonvoy HDFC Bank Credit Card

UNMATCHED LUXURY. READY FOR YOU.
  • 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 applicable purchases*

Tata Neu Infinity HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.
  • 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
Travel

Travel

Convert spends into airmiles and take off on exciting new journeys that are ready for you

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Regalia Gold Credit CardSuper Premium

Experience the Golden Side Of Life
  • 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!

IRCTC HDFC Bank Credit Card

There's a train ride in every swipe
  • 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.

6E Rewards - IndiGo HDFC Bank Credit Card

Buy, Buy, Buy, Fly!
  • gift2.5% 6E Rewards on IndiGo
  • gift2% 6E Rewards on Grocery, Dining & Entertainment
  • gift1% 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)

6E Rewards XL- IndiGo HDFC Bank Credit Card

Buy, Buy, Buy, Fly!
  • gift5% 6E Rewards on IndiGo
  • gift3% 6E Rewards on Grocery, Dining & Entertainment
  • gift2% 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)

Marriott Bonvoy HDFC Bank Credit Card

UNMATCHED LUXURY. READY FOR YOU.
  • 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 applicable purchases*

Shopping

Unlock a new level of retail therapy with fantanstic benefits that are ready for you

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Tata Neu Infinity HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.
  • 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

Tata Neu Plus HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.
  • 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

Shoppers Stop HDFC Bank Credit Card

Rewarding Style. Ready for You
  • 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

Shoppers Stop Black HDFC Bank Credit Card

Rewarding Style. Ready for You
  • 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
Fuel

Fuel

Go the distance and even further with fuel benefits that are ready for you

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IndianOil HDFC Bank Credit CardCo-Brand

Fuel Benefits. Ready For You.
  • giftEarn up to 50 Liters of Free fuel annually
  • giftEarn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
  • reward pointsEarn 1 Fuel Point for every Rs. 150 spent on all other purchases
  • Fuel Surcharge waiverEnjoy 1% Fuel Surcharge waiver
EMI

EMI

Experience life the way you want because everything you need to live better every day is ready for you.

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Easy EMI Card

Live Better Every Day.
  • global currencyAutomatic conversion on spends of ₹10,000 and above to EMI of 9 months
  • ATM5% CashBack on Amazon & Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy
  • card block2.5% CashBack on all online spends
  • 1% CashBack on all offline spends and wallet reloads
Others

Others

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All Miles Credit CardPremium Travel

  • AeroplaneFree access to over 600 exclusive airport lounges
  • Reward PointsThree reward points for every Rs. 150 spent, redeem points for air miles
  • AeroplaneDouble reward points for spends on AllMiles website

Bharat Credit CardCashBack

  • benefit5% CashBack on IRCTC bookings, bill payments, and fuel spends
  • benefitAdditional 5% CashBack on EasyEMI, PayZapp and SmartBuy spends

Diners Club Premium Credit CardPremium

  • benefitUpto 6 Complimentary access to 1000+ Lounges Worldwide in a year
  • conciergeBook a concierge for your travel needs. Simply call : 1800 209 4006
  • reward pointEarn 4 Reward Points for every Rs. 150/- retail spends
  • conciergeUpto 5% cashback via SmartBuy

Diners Club Rewardz Credit CardPremium

  • reward pointEarn 3 Reward Points for every Rs. 150/- retail spends
  • benefitUpto 5% cashback via SmartBuy
  • concierge servicesBook a concierge for your travel needs. Simply call : 1800 209 4006

Doctor's Regalia Credit CardProfessional

  • 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

Doctors Superia Credit CardProfessional

  • reward point3 Reward Points for every ₹ 150 spent and 50% more points on dining spends
  • benefitReward Points can be exchanged for Miles (at 0.7 Miles for every point)

JetPrivilege HDFC Bank Select / TitaniumCo-Brand

  • aeroplaneEarn InterMiles on your purchases and accelerated miles on flights booked on www.intermiles.com
  • benifitFuel surcharge of 2.5% plus service tax will be replaced by Convenience fee of 1% (effective 01 Feb’17) plus GST (effective 01 Jul’17).

Platinum Edge Credit CardCashBack

  • benefitExciting CashBack offers on everyday spends
  • reward point2 Reward Points for every ₹ 150 spent; 50% more Reward Points at premium restaurants
  • benefitRedemption of Reward Points as CashBack to pay off Credit Card dues

Platinum Plus Credit CardRegular

  • reward point2 Reward Points for every ₹ 150 spent
  • benefit50% more Reward Points for every ₹ 150 spent above ₹ 50,000 per statement cycle
  • fuelSavings up to ₹ 250 in every billing cycle with a 100% fuel surcharge waiver

Solitaire Credit CardPremium Credit Card for Women

  • reward point3 Reward Points for every ₹ 150 spent
  • food50% more Reward Points on dining and grocery spends
  • benefit₹1000 Shoppers Stop voucher on spends above ₹75000 within 6 months

Superia Credit CardPremium Travel

  • aeroplaneSave more while flying domestic with Air India, etc.
  • aeroplaneRedeem points for Miles with 20+ international airlines
  • Reward points3 Reward Points on every ₹ 150 spent; 50% more on dining spends

Teachers Platinum Credit Cardprofessional

  • benefitSpecial gift of 500 Reward Points on Teacher's Day (5 Sept) every year
  • bill paymentConvenient utility bill payment with SmartPay
  • reward point2 Reward Points for every ₹ 150 spent; 3X Reward Points on weekends

Titanium Edge Credit CardCashBack

  • benefitGreat cashback offers on everyday spends
  • reward point2 Reward Points for every ₹ 150 spent; 50% more Reward Points at premium restaurants
  • benefitRedemption of Reward Points as CashBack to pay off Credit Card dues

Visa Signature Credit CardPremium

  • aeroplaneFree lounge access at over 600+ airports globally with a complimentary Priority Pass membership
  • reward point2 Reward Points for every ₹ 150 spent
  • fuelSavings of up to ₹ 250 in every billing cycle with a 100% fuel surcharge waiver

World MasterCard Credit CardPremium

  • aeroplaneFree lounge access at 600+ airports globally with a complimentary Priority Pass membership
  • reward point2 Reward Points for every ₹ 150 spent
  • benefit50% more Reward Points for every ₹ 150 spent above ₹ 75,000 per statement cycle

MoneyBack Credit Cardcash back

  • reward pointTwo reward points for every ₹ 150 spent; 2x reward points for shopping online
  • benefitpng Reward points redemption as cashback against credit card dues, exclusive gifts, or air miles
  • fuelSavings up to ₹ 250 every billing cycle with a 100% fuel surcharge waiver

Regalia First Credit CardSuper Premium

Luxurious Indulgences.Ready For You.
  • foodExclusive dining privileges with up to 15% discount at partner restaurants
  • reward point4 Reward Points for every ₹ 150 spent
  • membershipComplimentary Priority Pass Membership for free access to over 1000 lounges globally

Diners ClubMiles Credit CardSuper Premium

Global Belonging.Ready For You.
  • Get up to 6 complimentary access to 1000+ lounges worldwide annually
  • Redeem Reward Points for bookings across 150+ airlines and a wide range of hotels
  • Get air accident cover of ₹1 crore

Regalia Credit CardSuper Premium

Luxurious Indulgences. Ready For You.
  • reward point4 Reward Points for every Rs 150 spent
  • Earn Bonus 15,000 Reward Points on spends of Rs 8 Lakhs in an anniversary year
  • 12 complimentary domestic lounge access
  • 6 complimentary international lounge access using Priority Pass

InterMiles HDFC Bank Diners Club Credit CardCo-Brand

Diverse Discoveries. Ready for you.
  • Welcome benefit of up to 25,000 InterMiles and earn 8 InterMiles per every Rs.150 spent
  • InterMiles Gold tier Membership for first year
  • 2X InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com
  • Rs 5000 Worth Flight & Hotel discount vouchers*

InterMiles HDFC Bank Signature Credit CardCo-Brand

Diverse Discoveries. Ready for you.
  • 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*

InterMiles HDFC Bank Platinum Credit CardCo-Brand

Diverse Discoveries. Ready for you.
  • Welcome benefit of up to 3,000 InterMiles and earn 4 InterMiles per every Rs.150 spent
  • 2X InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com
  • Rs. 1500 Worth flight & hotel discount vouchers*
  • 8 Complimentary Domestic Lounge Access*

Diners Club Privilege Credit Card

Global Belonging. Ready For You.
  • 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

Diners Club Black Credit CardSuper Premium

Global Belonging. Ready For You.
  • giftComplimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK
  • foodComplimentary Ola | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
  • reward point5 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
Business Credit Cards

Business Credit Cards

You can dream big and achieve bigger when your ambitions soar high and every opportunity for success is ready for you

Commercial Credit Cards

Commercial Credit Cards

Manage your finances effortlessly with comprehensive business expense management solutions that are ready for you

Rupay Credit Cards

Rupay Credit Cards

HDFC Bank RuPay Credit Cards


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.




Get a Credit Card in 3 Easy Steps

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How to Choose the Best Credit Card?

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