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Check your HDFC Credit Card eligibility
Note: It will not affect your score
Best HDFC Credit Cards in India 2025
Annual fee :
nil*
Reward Type :
NA
Apply for other HDFC Credit Cards
Top 5 Reasons to Get A HDFC Bank Credit Card Today!
1. Access Funds Conveniently: HDFC Bank credit cards come with many features that lets you access credit easily. Their cashback and reward programs, brand partnerships, merchant discounts and other benefits make HDFC credit cards a useful financial tool to manage your expenses.
2. Easy EMI Conversion: Features like SmartEMI & EasyEMI allow you to convert large transactions into easy EMIs so that you don’t break your bank account.
3. Exclusive Rewards on Online Shopping & Transactions: Get bonus rewards every time you shop online or use the HDFC Bank mobile app, Payzapp.
4. Customizable Credit Cards: HDFC Bank credit cards can be easily customized with the features you need for your lifestyle and spending pattern. You can set the credit limit, spending limit and control your expenditure for a better financial health.
5. Enjoy Contactless Card Transactions: No Swipe, No PIN, No Sign! You no longer have to swipe or enter the PIN to complete a transaction. HDFC Bank contactless credit cards allow you to pay at POS with a single tap. Speed & Convenience in your credit cards.
Apart from these benefits, HDFC Bank credit cards offer various other benefits like fuel surcharge waiver, complimentary airport lounge access, credit line on your credit limit, credit card balance transfer, and more.
Check your Credit Score NOW, and apply for the Best Credit Cards today!
HDFC Bank Credit Card Types – Top Credit Cards from Different Categories
HDFC Bank offers more than 40 different credit card variants. These are categorized into -
| Pixel Credit Cards | Credit Cards for Essentials | Luxury Credit Cards | Co-Branded Credit Cards |
|---|---|---|---|
Lifestyle Credit Cards | Travel Credit Cards | Shopping Credit Cards | Fuel Credit Cards |
EMI Credit Cards | Other Credit Cards | Rupay Credit Cards | Life-Time Free Credit Cards |
Top HDFC Bank PIXEL Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Pixel Go Credit Card | ₹250 + GST |
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Pixel Play Credit Card | ₹500 + GST |
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Top HDFC Bank Credit Cards for Essentials
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
MoneyBack+ Credit Card | ₹500 + GST |
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Millennia Credit Card | ₹1000 + GST |
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Freedom Credit Card | ₹500 + GST |
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IndianOil HDFC Bank Credit Card | ₹500 + GST |
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Top HDFC Bank Luxury Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Diners Club Black Metal Edition Credit Card | ₹10,000 + GST |
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INFINIA Metal Edition | ₹12,500 + GST |
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Top HDFC Bank Co-Branded Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Marriott Bonvoy HDFC Bank Credit Card | Rs.3000 + GST |
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Swiggy HDFC Bank Credit Card | Rs.500 + GST |
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Tata Neu Plus HDFC Bank Credit Card | Rs.499 + GST |
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Shoppers Stop HDFC Bank Credit Card | Rs.299 + GST |
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Paytm HDFC Bank Select Credit Card | Rs.1000 + GST |
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6E Rewards XL- IndiGo HDFC Bank Credit Card | Rs.1500 + GST |
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HDFC Bank H.O.G Diners Club Credit Card | Rs.10,000 + GST |
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HDFC Bank Harley-Davidson Diners Club Credit Card | Rs.2500 + GST |
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Top HDFC Bank Lifestyle Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Regalia Gold Credit Card | Rs.2500 + GST |
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Diners Club Privilege Credit Card | Rs.2500 + GST |
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Top HDFC Bank Travel Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Regalia Gold Credit Card | Rs.2500 + GST |
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IRCTC HDFC Bank Credit Card | Rs.500 + GST |
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Top HDFC Bank Shopping Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Tata Neu Infinity HDFC Bank Credit Card | Rs.1499 + GST |
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Top HDFC Bank Fuel Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
IndianOil HDFC Bank Credit Card | ₹500 + GST |
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Top HDFC Bank EMI Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Easy EMI Card | ₹500 + GST |
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Top HDFC Bank Credit Cards – Other Categories
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
HDFC Bank Times Card Credit Platinum | Rs.1000 + GST |
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All Miles Credit Card | Free membership when you spend Rs.15,000 within 90 days of card activation. |
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Diners Club Premium Credit Card | Rs.2500 + GST |
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Doctor's Regalia Credit Card | Rs.2500 + GST |
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Top HDFC Bank RuPay Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
HDFC Bank UPI RuPay Credit Card | Rs.99 + GST |
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HDFC Bank Freedom RuPay Credit Card |
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Which are the lifetime-free credit cards from HDFC Bank?
HDFC Bank offers many credit cards that are lifetime free –
- Freedom Credit Card
- Biz First Credit Card
- Swiggy HDFC Bank Credit Card
- Tata Neu Infinity HDFC Bank Credit Card
- Tata Neu Plus HDFC Bank Credit Card
Which are the most popular Credit Cards from HDFC Bank?
- Freedom Credit Card
- Pixel Play Credit Card
- Millennia Credit Card
- IndianOil HDFC Bank Credit Card
- Swiggy HDFC Bank Credit Card
These are some of the credit cards from HDFC Bank that are most popular among customers.
HDFC Bank Credit Card Eligibility Criteria
HDFC Bank credit cards are available in more than 40 variants, catering to a diverse customer segment. Here are the basic eligibility criteria to get an HDFC Bank credit card –
- Should be an Indian citizen
- Should either be salaried or self-employed, with a regular source of income
- Age limit – between 21 – 60 yrs – for salaried individuals
- Age limit – between 21 – 65 yrs – for self-employed individuals
- Income limit – Minimum monthly salary of Rs.8000 – for salaried individuals
- Income limit – Minimum annual ITR – above Rs.6 lakhs – for self-employed individuals
HDFC Bank Credit Card – Apply Online
HDFC Bank offers a convenient, online application process for their credit cards.
1.Go to the HDFC Bank credit cards page.
2.View the features, compare different cards, and choose the one that best suits your needs.
3.Click on the ‘Apply Online’ button to initiate the card application process.
4.Enter your personal details, KYC details and other details.
5.The bank representative will contact you for verification purposes.
6.Upon successful verification of your application, the card is approved.
7.You will receive the physical card within a week’s time.
8.The welcome kit will have your approved credit limit, cash advance limit and interest rates.
You can also apply for HDFC Bank credit cards through the CreditMantri website.
1.Choose the card you want to apply for.
2.Click on ‘Check Eligibility’.
3.Enter your basic details and submit the application.
4.After OTP verification, eligible HDFC credit cards will be displayed and you can continue with the application process.
HDFC Bank Credit Cards – Fees & Charges
The credit card fees and charges may vary according to the card. The list shown below consists of the general fees and charges
Finance Charges on Revolving Credit & Cash Advances | Starts at 1.99% - 3.75% per month Maximum at 45% p.a. |
Transaction Fees on Cash Advances | 2.5% or Rs.500, whichever is higher |
Railway Ticket Purchase Fee | 1% of transaction amount + GST |
EMI conversion charges | Rs.99 + GST |
Payment return charges | 2%, maximum of Rs.450 |
Late Fees | Rs.500 + GST |
Rewards Redemption fees | Rs.99 + GST |
Reissue of lost, stolen or damaged card | Rs.100 |
Add-on card | Lifetime Free |
Disclaimer: The above-mentioned card features, charges & fees, process to apply, and all other information are as of when this page was written and are subject to change. For latest and accurate information, contact the bank or refer to the official website.
HDFC Bank Credit Card Customer Care
For any queries regarding your credit card, you can contact HDFC bank customer care to get them resolved at the earliest. They are available 24x7, even on weekends and holidays. You can contact HDFC Bank customer care in the following ways:
- Domestic Toll-free numbers: 1800-202-6161 or 1860-267-6161
- For customers calling from abroad: +91 22 61606160
- Special line for Diners Black Credit Card and Infinia Credit Card holders - +91 22 61717606
- Email id: customerservices.cards@hdfcbank.com
- Mailing Address:
- Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Address to send Courier:
- Manager,HDFC Bank Cards Division, # 8, Lattice Bridge Road, Thiruvanmiyur Chennai - 600 041
HDFC Bank Credit Card – Apply Online - Documents Required
- Identity Proof: PAN card, passport, driving license, Aadhaar card, voter’s ID, overseas citizen of India card, person of Indian origin card, job card issued by NREGA, letters issued by the UIDAI or some other government-approved photo ID proof
- Address Proof: Aadhaar card, driver’s license, passport, utility bill not more than 3 months’ old, ration card, property registration document, person of Indian origin card, job card issued by NREGA, bank account statement or some other government approved address proof
- Income Proof: Latest one or two salary slips (not more than 3 months old), latest Form 16, bank statement of last 3 months
The list is indicative and the documents will vary on a case-to-case basis.
HDFC Credit Card Bill Payment
HDFC Bank provides a host of payment methods to help its customers get a convenient and hassle-free payment experience. Customers can pay their credit card bills on time in a hassle-free manner because of this flexibility. The various payment methods are:
- Internet banking
- Mobile banking
- ATM funds transfer
- Autopay
- NEFT
- RTGS
HDFC Credit Balance Check
HDFC Bank provides many ways for customers to check their HDFC Bank credit card balance and status of the HDFC Bank credit card. You can check the outstanding balance through methods like netbanking, SMS alerts, customer service, mobile app, monthly statements, and more.
HDFC Credit Cards Netbanking
You can bank from the comfort of your home or from anywhere using the HDFC bank net banking services. You can transfer money, pay your bills, view account balance, create a deposit, and more just by logging into net banking.
HDFC Credit Card Balance Transfer
HDFC Bank allows its customers to transfer the balance from another bank’s credit card to an HDFC Bank credit card. Customers who have had a good track record with HDFC Bank with regard to their credit card spends, transaction pattern, and payment history become eligible for a balance transfer on credit card occasionally, depending on the internal policies of the bank.
HDFC Bank Credit Card FAQ
1. What are the eligibility criteria for getting a HDFC Bank Credit Card?
You need to be above 21 years old and below 65 years old with a steady income of at least Rs. Rs.8000 – for salaried individuals, a minimum annual ITR – above Rs.6 lakhs – for self-employed applicants.
2. How to make HDFC Bank credit card bill payment?
You can pay the bill on the HDFC bank website by logging into their internet banking portal or you can download their mobile app which also has the option of credit card bill payment. The offline method is where you can pay your bill at any HDFC Bank branch.
3. Why was my HDFC Bank credit card application rejected?
It could be any number of reasons from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries, you can contact HDFC Bank credit card customer care for further information.
4. Where can I check my HDFC Bank credit card usage?
You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.
5. Can I get an HDFC bank credit card without income proof?
You should have a regular income to get an HDFC bank credit card and also provide proof for the same. The income requirement differs with the credit card that you have applied for. You can either be a salaried or self-employed person managing your own business.
6. What is HDFC bank credit card rate of interest?
The rate of interest on HDFC Bank credit cards ranges between 1.99% - 3.75% per month. The annual interest rate averages at 45% p.a. But the interest rate may be adjusted based on your relationship with the bank and the card’s utility. If you have made large purchases and will not be able to settle your outstanding in full by the due date, you can opt for Smart EMIs on your credit card.
7. Are there any charges for add-on cards an my HDFC credit card?
You can get up to 4 add-on cards for your family members. There are no charges for add-on cards.
Disclaimer:This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.
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