Check your HDFC Credit Card eligibility
Note: It will not affect your score
Apply for other HDFC Credit Cards
HDFC Credit Card 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 month’s 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 Bank Credit Card Eligibility Criteria
The eligibility criteria for salaried individuals:
- The minimum age should be 21 years and the maximum should be 60
- The regular monthly income should be more than the minimum income requirement for the card you want to apply for
- A good credit score preferably around or over 750 is also mandatory
- You should be a non-resident Indian or an Indian citizen.
The eligibility criteria for self-employed individuals:
- The minimum age for self-employed individuals is 21 years and the maximum is 65.
- The regular monthly income should be higher than the minimum income requirement for the card you want to apply
- A good credit score preferably around or above 750 is also mandatory
- You can either be an Indian citizen or a non-resident Indian
Features and Benefits of HDFC Credit Cards
- Benefits: These cards offer attractive benefits in the form of rewards, cashback, and discounts.
- Multiple credit cards customized according to your lifestyle: HDFC Bank offers multiple credit cards, and you can choose cards that match your spending habits.
- EMI Conversion: You can convert your big ticket purchases into EMIs and repay them over several months ranging from 3 to 24 months. Interest is there on these EMIs but the bank also offers no-cost EMI facility with specific merchants.
- Balance Transfer: HDFC credit cards allow balance transfer. You can transfer the balance due from credit cards belonging to different providers to HDFC credit cards.
- Loan on Credit Card: You can also take loans on HDFC Bank credit cards under their insta loan and insta Jumbo Loan schemes.
- HDFC RuPay Credit Cards on UPI: You can now link your HDFC RuPay credit cards with UPI and use them on the BHIM UPI and all other UPI-enabled apps. So, now you can make UPI payments without sufficient funds in your bank account.
- Improvement of Credit Score: You can improve your credit score by paying your bills on time and keeping the CUR lower than 30%.
Types of Credit Cards Offered by HDFC Bank
HDFC offers multiple types of credit cards like
Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs. The cards provided by HDFC in this category areHDFC MoneyBack Credit Card
HDFC MoneyBack Credit Card offers extra rewards for keen online shoppers as it gives 3 times more Reward Points for online spends. HDFC Bank has designed this card keeping in mind online shopaholics, so that they can get attractive returns on shopping together with other lifestyle benefits for using the card.
HDFC Snapdeal Credit Card
HDFC Snapdeal Credit Card offers extra rewards for those who shop at Snapdeal.com as it gives 3 times more Reward Points. It is an attractive offer for those who are a big fan of Snapdeal. In addition, you are eligible for a deal when you recharge your phone number through Snapdeal’s group website - Freecharge. You also get exclusive offers from Ola Cabs and the travel website, Cleartrip. These perks coupled with the attractive rewards for spending online makes this credit card a desirable option.
Travel: These are credit cards made for people who love to travel and get benefits in form of reward points or miles which can be redeemed for attractive gifts or free tickets. The cards provided by HDFC in this category areHDFC Diners Club Rewards Credit Card
HDFC Bank Diners Club Rewards Credit Card offers a good deal in terms of dining, travelling and concierge services. It offers 2X more reward points on grocery, supermarket purchases, dining and airline ticketing spends. So, if you are a frequent shopper in the categories, then this card could be a good option for you. The rewards and perks this card offers makes this credit card a desirable option.
HDFC Diners Club Premium Credit Card
The features and benefits are designed to provide maximum benefit to the frequent traveler who spends on leisure and entertainment. Those looking to enhance their travel experience can opt for this card as it offers exclusive lounge access to over 450 worldwide airport lounges under the Club Lounge program. The rewards this card offers along with the attractive rebates makes it a desirable option for the frequent traveler.
HDFC Jet Platinum Credit Card
If you are an avid traveler, then this card is for you. HDFC Bank has designedJet Platinum Credit Card exclusively for travelers and business people who travel frequently by air. The card offers attractive returns through the JPMiles rewards program. The perks which this card offers on air travel and retail expenses makes this card a good option.
JetPrivilege HDFC World Credit Card
Swipe your JetPrivilege HDFC Bank World Credit Card and stand to earn reward points that can be redeemed for Airline tickets, vouchers and premium merchandise. In short, you get rewarded for spending. It offers attractive rebates on travel, dining and leisure as well as on normal everyday retail spends.Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. The cards provided by HDFC in this category are.
HDFC Solitaire Credit Card
If you are an avid shopper, then this card is for you. HDFC Bank has designed this card exclusively for its female customers so that they can get attractive returns on shopping combined with other travel and lifestyle benefits for using the card. The rewards and perks which this card offers on shopping and dining makes it a desirable option.
HDFC Regalia Credit Card
HDFC Bank Regalia Credit Card makes a good partner to those who travel frequently and enjoy a premium lifestyle. It is an attractive option for those interested in premium high-end travel and leisure offers.
HDFC Diners Premium Credit Card
The features and benefits are designed to provide maximum benefit to the frequent traveler. Those looking to enhance their travel experience can opt for this card as it offers exclusive lounge access to over 700 worldwide airport lounges under the Club Lounge program.
HDFC Times Platinum Credit Card
If you are a foodie and love to try new and different types of food, then this card is made just for you. With 25% off on movies and up to 20% off on dining and 3 Reward Points (RP) on Rs. 150 spent. 10 RP on dining spends on weekdays you can have fun with friends not only on weekends but even during weekdays.
HDFC Regalia First Credit Card
This card is made for those who love to travel especially travel abroad. With very low foreign currency mark up and complementary airport lounge access it makes travel fun. Exclusive dining privileges that offer up to 15% and 4 reward points on every Rs. 150 spent and redeem rewards against exclusive lifestyle options makes it one of the best cards around.
HDFC Time Titanium Card
Earn reward points when you shop with your HDFC Titanium Times Card and redeem them easily for attractive options from a range of categories like travel, premium merchandise, and much more. You can earn 2 Reward Points for every Rs. 150 spent on your card and as an extra benefit earn 5 Reward Points on every Rs. 150 spent on Dining spends on weekdays.
JetPrivilege HDFC Diners Club Credit Card
JetPrivilege HDFC Bank Diners Club Credit Card is designed to provide maximum benefit to the frequent traveler. Those looking to enhance their travel experience can opt for this card as it offers exclusive lounge access to airport lounges under the Club Lounge program globally. The rewards this card offers along with the attractive rebates makes it a desirable option for the frequent traveler.
Reward Points Offered by Top HDFC Credit Cards
HDFC Credit Card Variant | Regular reward points | Accelerated reward points |
|---|---|---|
HDFC Bank Regalia Card |
| NA |
HDFC Bank Regalia First Card |
| NA |
HDFC Freedom Credit Card | 1 reward point per Rs. 150 spent |
|
HDFC Bank Diners Club Black Card | 5 reward points per Rs. 150 spent |
|
HDFC Bank Titanium Times Card | 2 reward points per Rs. 150 spent | 5 reward points per Rs. 150 spent on dining during weekdays |
HDFC Bank Platinum Times Card | 3 reward points per Rs. 150 spent | 10 reward points on spends done on dining during weekdays |
HDFC Bank MoneyBack Credit Card | 2 reward points per Rs. 150 | 2x reward points(4 reward points on every Rs. 150) spent online. Earn upto 500 reward points per statement cycle for online expenditures through this 2X RP feature. |
HDFC Credit Card How to apply?
Online Apply Through CreditMantri
- Check the various HDFC credit cards available
- After choosing the card you want to apply for, click ‘Check Eligibility. (If you want more details about card, Click ‘Know More’).
- You will be redirected to the application page.
- Enter the basic details asked and click submit. An OTP will be dispatched to your mobile.
- Enter this OTP for verification.
- Click on ‘view eligible HDFC Bank offers and apply’.
Online Apply Through The Bank’s Website:
- Choose the card and click ‘Apply Online’
- Upon redirection to the application page, enter the registered mobile number, date of birth or validate with PAN
- Click ‘Get OTP” and enter the OTP received on your registered mobile number for verification
- Complete the steps - “Choose Your Card”, “Confirm Your Details”, and Submit and Receive.
Offline
- You can also apply for the HDFC Bank credit card offline via customer care or by going to the nearest HDFC bank branch and filling the physical application form there. Ensure that you possess all the required documents with you.
Fees and Charges of HDFC Bank Credit Cards
The credit card fees and charges may vary according to the card. The list shown below consists of the general fees and charges
Joining or Annual fees | Varies with the card |
Finance Charges | Up to 3.6% per month or 43.2% per annum (varies from card to card) |
Late payment charges | Nil to 1300 depending on the outstanding balance |
Few other charges may vary across cards
Also Read: What are the cash withdrawal charges on HDFC credit cards
HDFC 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. You can contact HDFC Bank customer care in the following ways:
- You can call through any of these numbers: 1800-202-6161 or 1860-267-6161
- If you don’t prefer calling, you can also write and send your questions via email.
HDFC Credit Card Application Status
You can check the credit card application status online by providing details of your application reference number, application form number, mobile number, or date of birth. You can also check the credit card application status by calling the customer care or going to the nearest branch of HDFC bank.
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 Credit Card FAQ
1. What is 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.3,00,000 per annum as a self-employed or working in a reputed company.
2. How to do 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 reason 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. How can I check my 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. Is it possible to 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 the rate of interest on the HDFC bank credit card?
The rate of interest on HDFC Bank credit cards ranges up to 3.4% per month. 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. When can I apply for an HDFC credit card?
You have to be at least 18 years old to apply for an HDFC bank credit card.
How To Apply For HDFC Credit Card?
Latest & Update Hdfc Bank Credit Card News
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Hdfc Bank Credit Card - Customer Reviews
Vanam
Good services