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Overview

Being one of India’s largest bank HDFC Bank has made it a mission to provide customers the best in class service. With 84,325 employees, 4,727 branches and 12,220 ATMs across 2,666 cities, HDFC Bank provides tailor made products to satisfy each and every customer requirement which can clearly be seen in their credit card offers.

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 are

HDFC Bank 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 Bank 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 are

HDFC Bank 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 Bank 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 Bank 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 Bank 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 Bank 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 Platinum Times 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 Titanium Times 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 Bank 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.

Why choose HDFC Bank Credit Cards

HDFC bank provides different credit cards that cater to various customer needs. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.

Apply for HDFC Credit Card

Knowing the need of the customer and making it comfortable for them HDFC bank provides multiple ways by which an individual can apply for a credit card.

Apply for HDFC credit card online

HDFC Bank Website

You can go to HDFC bank website and check various credit cards. You can check the eligibility for the credit card you are interested in to make sure you don’t apply for cards you are not eligible for. By this simple step you make sure your card application is not rejected and thus your credit score is not affected.

HDFC Bank Credit Card Eligibility and Documentation

Eligibility

There are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved. They are

AgeMinimum 21 years
Maximum 65 years
NationalityIndian
Employment TypeSalaried or Self-employed
Employment statusEmployed/In-business for at least 1 yr. and at least 6 months with current employer/business
Minimum IncomeThis varies from card to card, but minimum salary required is Rs.3 lakhs per annum
Credit ScorePreferred 750

These are the general criteria which you need to satisfy for your credit card to be approved. These criteria will change from bank to bank.

Documentation

The documentation required for an HDFC Credit Card is very simple and straightforward. You will require the following:

  • 2 passport size color photos
  • AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

HDFC Bank Credit Card Benefits & Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you


1. Sign on bonuses: Some of the credit cards from HDFC Bank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your HDFC bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your HDFC credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some HDFC Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spends.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and also know every feature available.

7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a card holder a plethora of benefits.

HDFC Bank 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.

About CreditMantri

CreditMantri pre-screens your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chance of your credit card application getting approved is higher. It is quick, simple and above all, free.

Click here to sign up and apply for loans and credit cards, the CreditMantri way!

How To Apply For HDFC Credit Card?

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A credit card is a payment card using which individuals can make purchases in advance and pay for them later. It is a safe and secure way to make purchases and offers one of the easiest ways to build and establish a credit history. It is a powerful financial tool as long as you don’t overspend on your card and pay your bills in full and on time. HDFC Bank is one of the largest banks in India and provides a wide range of credit cards designed exclusively for varying needs of the customers. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs. https://www.creditmantri.com/hdfc-bank-credit-card/ Thinking of applying for an HDFC credit card? But before you apply, we recommend you to check your credit score. Knowing your credit health helps you make informed credit decisions. Check your credit score for free at CreditMantri. You can apply for the credit card through CreditMantri. CreditMantri pre-screens your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chance of your credit card application getting approved is higher. It is quick, simple and above all, free. Get started. Download App: http://bit.ly/38FFAUp Follow us on Facebook: https://www.facebook.com/CreditMantri/ Twitter: https://twitter.com/CreditMantri/ Instagram: https://www.instagram.com/creditmantri/ LinkedIn: http://bit.ly/2IHFRvw Pinterest: https://www.pinterest.com/creditmantri/ "For reviews about CreditMantri and write your reviews, click here https://www.creditmantri.com/reviews/ If you have any queries related to our services, you can log in to CreditMantri and write under the 'Need Help' section and we will get back to you immediately. Check your FREE credit score at CreditMantri. https://www.creditmantri.com/credit-score/ Check your FREE credit score at CreditMantri.

Latest & Update Hdfc Bank Credit Card News

HDFC partners with Tata Neu for the launch of 2 rewarding co-branded credit cards30 Aug 2022

HDFC Bank has partnered with Tata Neu to introduce 2 new co-branded credit cards - Tata Neu Plus HDFC Bank credit card and Tata Neu Infinity HDFC Bank credit card. The card offers its customers rewards on all spends both online and in-store in the fo...

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HDFC Bank has partnered with Tata Neu to introduce 2 new co-branded credit cards - Tata Neu Plus HDFC Bank credit card and Tata Neu Infinity HDFC Bank credit card. The card offers its customers rewards on all spends both online and in-store in the form of NeuCoins (1 NeuCoin = INR 1). Tata Neu Plus HDFC Bank Credit Card offers rewards of 2% and 1% NeuCoins for purchases (both in-store and online) on partner Tata brands and outside partner Tata brands (both domestic and international) respectively. Meanwhile, Tata Neu Infinity HDFC Bank credit card offers rewards of 5% and 1.5% NeuCoins for buys on and outside partner Tata brands respectively. Both cards allow customers to make purchases across the segments of electronics, fashion, travel, hospitality, groceries, and pharmacy on Tata Neu and all partner brands (online and in-store) using the NeuCoins earned. Cardholders can also use the complimentary lounge access across airports in India and overseas.

HDFC and Paytm Partner to Launch Co-branded Credit Cards 23 Sep 2021

Exciting news from the credit card industry. Industry giants HDFC Cards and Paytm have announced an array of new Visa branded credit cards to be launched in October. These cards will be available for all categories of customers including new-to-credi...

Read more

Exciting news from the credit card industry. Industry giants HDFC Cards and Paytm have announced an array of new Visa branded credit cards to be launched in October. These cards will be available for all categories of customers including new-to-credit users as well as premium spenders. With exciting cashbacks and discounts, HDFC and Paytm aim to increase credit card penetration in Tier-II and Tier-III cities.

HDFC Continues to Dominate the Credit Card Market 8 Sep 2021

Despite the ban of the RBI from issuing new credit cards, HDFC continues to be the market leader in the credit card segment with a 23.61% market share. This is followed by SBI Cards at 19.17%, ICICI Bank with 17.57% and Axis Bank with an 11.36% marke...

Read more

Despite the ban of the RBI from issuing new credit cards, HDFC continues to be the market leader in the credit card segment with a 23.61% market share. This is followed by SBI Cards at 19.17%, ICICI Bank with 17.57% and Axis Bank with an 11.36% market share. The top 4 credit card issuers have a total market share of 71.71%. With the RBI lifting the ban on HDFC, the credit card lender hopes to come back with a bang by issuing half a million new cards in the coming months.

HDFC Cards Unveils Comeback Plan 25 Aug 2021

Earlier this year, the RBI had temporarily banned HDFC Bank from issuing new cards. With the RBI ban lifted last week, HDFC Bank has announced that it has major plans to regain market share. The bank has set a target of issuing 3 lakh credit cards pe...

Read more

Earlier this year, the RBI had temporarily banned HDFC Bank from issuing new cards. With the RBI ban lifted last week, HDFC Bank has announced that it has major plans to regain market share. The bank has set a target of issuing 3 lakh credit cards per month, the number it was issuing before the RBI bank in November 2020. The bank aims to achieve this target by issuing credit cards to existing HDFC bank customers, who are still uncovered.

HDFC loses Market Share in the Credit Card Segment 29 May 2021

Data released by the RBI reveals that the number of credit cards outstanding at HDFC Bank dropped by 3.23 lakhs to 1.5 crores between December 2020 and March 2021. It is to be noted that HDFC was one of the top credit card issuing banks in India, but...

Read more

Data released by the RBI reveals that the number of credit cards outstanding at HDFC Bank dropped by 3.23 lakhs to 1.5 crores between December 2020 and March 2021. It is to be noted that HDFC was one of the top credit card issuing banks in India, but the restrictions placed by the RBI have caused the bank to stop issuing new cards temporarily.

Hdfc Bank Credit Card - Customer Reviews

4 / 5 (23 Reviews)
19 Dec 2018

Good services

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