What are the Credit Card Offers & Rewards?
Everybody has a different spending pattern. While one may like to splurge on shopping, another may prefer fine dining, while the third might spend on necessities and save the rest. Credit Cards have evolved over time to cater to the many needs of their customers. Whatever your spending habit, there is a Credit Card for you.
When choosing your Credit Card, it is, therefore, essential to choose the one most suited to your needs and desires. Every Credit Card offers rewards depending on your spending habits. If used optimally, you can save a significant amount of money by gaining Reward Points, CashBacks, or getting discounted prices.
Range of Credit Cards
You can choose from a wide range of Credit Cards best suited to your lifestyle as every card offers special benefits and services. Explore and compare the features of all the cards and choose one best suited to you.
While most cards offer rewards that can be redeemed against the Reward Points earned through spending, there are some benefits such as complimentary access to airport lounges in India and abroad or complimentary golf games that are available on ownership of some cards. You can find this on the Infinia Metal Edition Card and the Diners Club Black Credit Card that lets you step into an exclusive world of premium pleasures and global experiences. Get complimentary nights and weekend buffets at participating ITC Hotels, and complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT Black, Times Prime, etc. You also get five Reward Points for every Rs 150 spent and more.
What are the offers on Credit Cards?
Once you have chosen the right Credit Card for you, try and get the best out of your card. Check for available Credit Card offers and discounts available. You can get fuel surcharge waivers, discounts on dining spends, online spends, utility spends, Reward Points on shopping and dining, and CashBack offers on the use of your Credit Card.
HDFC Bank has a dedicated platform for communicating offers extended by the merchants to its customers, called HDFC Bank SmartBuy. You can compare the best available offers and then book flight tickets, a hotel room, and even shop online. Furthermore, with the HDFC Bank Diners Club Black Credit card, you can get up to 10X Reward Points via SmartBuy.
Click here to read more on how to bag the best deals online through your Credit Card.
What are rewards Credit Cards?
When you use your rewards Credit Cards, you earn Reward Points. These Reward Points can be accumulated and then redeemed to avail offerings such as flying Air Miles or shopping. Each card has different rules and means to utilise Reward Points. Reward Points can be redeemed for other offers or for cashback. You can get a value of as much as 13% to over 25% in terms of rewards and savings using a Credit Card.
How to use a Credit Card?
Using a Credit Card is simple and efficient. It is just like using a Debit Card – except the money is not deducted from your account in real-time. It is essential to keep your Credit Card secure through a PIN. You can use your Credit Card for paying utility bills, shopping online and in-stores, booking flight tickets, movie tickets, for fuel, dining out, gaining access to airport lounges – the possibilities are endless.
This article helps you better understand what you can use a Credit Card for. In case of an emergency, you can also use your Credit Card to withdraw cash from an ATM. Additionally, there are other benefits of owning a Credit Card, such as getting a loan on your Credit Card. Considering you are already a registered member, the disbursal is very quick.
Although there are multiple benefits of using Credit Cards, it is essential to pay the due amount within the stipulated time to continue enjoying the benefits.
Looking to apply for HDFC Bank Credit Card? Click here to get started! Pre-approved Credit Card customers can opt for a Credit Card by clicking here.
*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank limited. Credit Card approvals is subject to documentation and verification as per Banks requirement.