How to Apply for HDFC Credit Cards Online at MybankingTips
You can easily apply for HDFC credit cards through
MybankingTips using a fully digital process. Here are the steps to follow:
- Visit MybankingTips HDFC Credit Card Section.
- Select Your Ideal Credit Card.
- Click on the ‘
Apply Now’ tab.
- Fill in the required details to find out if you are eligible to apply for the card.
- Once you have entered all the necessary information, click on ‘Submit’.
- After you have successfully provided all the required information, you will receive a message
with your application ID.
By following these steps, you can easily apply for an HDFC credit card online
through MybankingTips.
Online Apply Through The Bank’s Website
The steps to apply online for an HDFC credit card are as follows:
- Step 1: Visit the official HDFC website.
- Step 2: Select a credit card by visiting the 'Credit Cards' section and choose a credit card based on your requirements.
- Step 3: Check the documentation requirements and credit card eligibility restrictions.
- Step 4: Apply online by completing the necessary fields. Additionally, you can apply for a credit
card and provide the necessary paperwork at any HDFC branch or ATM.
- Step 5: Your credit card will be sent to your communication address once the bank approves your
application.
- Step 6: You have to provide identification and sign for it when it is delivered.
Apply for a Credit Card & Get Instant Approval
Eligibility Criteria to Apply for HDFC Credit Cards
Here are the common eligibility criteria for applying for HDFC credit cards:
- Age:Â Applicants should be between the ages of 21 and 60, to apply for an HDFC credit card.
- Credit score:Â A CIBIL score of at least 750 is required.
- Nationality:Â Applicants should be a citizen of India.
- Income:Â The bank will assess your eligibility based on your yearly income.
- Occupation:Â Both self-employed and salaried individuals are eligible to apply.
Required Documents to Apply for HDFC Credit Card
Applicants are required to submit proof of identity, proof of address, and proof of income along with a
duly filled application form. The approved documents for each category are included in the list below.
HDFC Credit Card: Fees & Charges
Here are some of the standard fees and charges that apply with HDFC Credit Cards:
Consider a card's annual fee, joining fee, and best use while reviewing it.
Features and Benefits of the HDFC Credit Cards
Every HDFC card has its own set of benefits, most of the HDFC bank credit cards share some common
features. Some of them are as follows:
SmartEMI
Convert any credit card purchases more than ₹2,500 into convenient Equated Monthly Instalments (EMIs).
For both online and in-store Credit Card transactions, SmartEMIs offers multiple repayment options with
affordable interest rates.
Make UPI Payments
UPI payments are accepted with your RuPay Credit Card. Simply create a PIN, link your RuPay Credit Card
to an app that supports UPI, such as PayZapp, and begin making payments.
Loan on Credit Card
Additionally, HDFC Bank provides credit card loans through its Insta Loan and Insta Jumbo Loan programs.
When you take out an Insta Loan, your credit limit will be blocked for the amount you borrow; but, when you
take out an Insta Jumbo Loan, you may get a sum that exceeds your credit limit. However, each user's eligible
loan amount and interest rate are different.
New Card Holder Advantages
When you apply for a credit card with HDFC Bank, you'll receive exclusive incentives. Additionally, if
your annual spending exceeds a certain threshold, you'll receive extra benefits.
Insurance Coverage
With certain HDFC Bank Credit Cards, get insurance coverage at no cost. You are eligible for emergency
hospitalization and coverage up to several lakhs for flying accidents.
Contactless Payments
>With HDFC credit cards that have contactless payment features, you can make payments instantly and
securely. To complete transactions quickly and easily at retail locations, simply tap the point-of-sale
machine. Make use of MyCards to enable contactless transactions.
No Lost Card Liability
If your card is lost or stolen, report it by contacting HDFC credit cards service center. When you report
fraudulent transactions as soon as possible, they release you from liability.
Airport Lounge Access
With several HDFC Bank Credit Cards, you can get complimentary access to airport lounges at both domestic
and international airports.
Balance Transfer
You have the option to transfer any outstanding balances to your HDFC credit card if you are having trouble
paying off your credit card debt from another issuer. This will enable you to pay in convenient installments
without incurring any financial fees or penalties.
Features of the Major HDFC Bank Credit Cards
Swiggy HDFC Bank Credit Card
Swiggy has teamed with a bank on a credit card for the first time, and the card may be obtained for a membership
fee of Rs. 500 plus taxes. This is an excellent card for you if you are a regular online food orderer on Swiggy,
since you may save up to 6.8% on your yearly expenditure of more than Rs. 2 lakh. You receive a free three-month
subscription to Swiggy One as a welcome bonus, and you can earn up to 10% cashback on all of your Swiggy purchases.
You can get great deals on your meal orders when you use this card.
Indigo 6E Rewards XL Credit Card
The largest and most well-liked airline in the nation, Indigo Airlines, partnered with HDFC Bank to introduce this
card. As 6E Rewards, you accrue reward points on purchases of 5% at Indigo, 3% at groceries, restaurants, and
entertainment, and 2% on all other purchases. In addition, using this credit card to visit domestic lounges is free
of charge. For those who frequently travel domestically, these features make this card the preferred option. One of
the top HDFC Credit Cards in the travel category, this card has an annual membership fee of Rs. 2,500.
IndianOil HDFC Bank Credit Card
You can redeem this credit card for fuel points. With this card, you can receive up to 50 liters of free fuel each
year. With this card, you can earn 1% fuel points on all other retail purchases and 5% fuel points on purchases made
at Indian Oil locations, groceries, and bill payments. This card has an annual membership fee of just Rs. 500.
HDFC Millennia Credit Card
One of the greatest cashback credit cards on the market right now is the HDFC Bank Millennium credit card. It is
designed with millennials' requirements in mind. You can get 5% cashback on online retailers and 1% cashback on
in-store purchases with this card. This card has an annual membership cost of Rs. 1,000. Travel, dining, and many
other privileges are also included with the card.
HDFC Bank MoneyBack Plus Credit Card
An excellent credit card with cashback is the HDFC Bank MoneyBack Plus Credit Card. The card offers a tonne of
rewards, including two cash points every time you spend Rs. 150 and ten times the cash points on Amazon, Flipkart,
Big Basket, Reliance Smart Superstore, and Swiggy. These points can be used to book hotels and flights through SmartBuy,
as well as to receive cashback on goods purchases. In addition, the card comes with a plethora of other benefits, such
as spend-based waiver, fuel surcharge waiver, and dining benefits.
Paytm HDFC Select Credit Card
The HDFC Bank's Paytm HDFC Select Credit Card is a co-branded card with Paytm that includes Paytm First loyalty
membership. Great cashback benefits are available with this card, particularly for users who like to shop on the Paytm
app and Paytm Mall. With the card, you can get 5% cashback on purchases made through the Paytm Mall, Movies, and Mini
app, 2% on all Paytm purchases, and 1% on all other retail purchases. These cash points can be applied to outstanding
debts or spent toward a variety of products, including the product catalog, airmiles, and Smartbuy (travel/hotel). The
card also comes with a host of additional benefits, including fuel, milestone, travel, and much more.
Tata Neu Plus HDFC Bank Credit Card
With 499 Neu Coins as a welcome bonus and 2% value back in Neu Coins, the Neu Plus credit card is fantastic for loyal
supporters of both the Tata and HDFC Bank brands. Bonus Neu Coins are available as an introductory promotion on the
Tata Neu app, along with additional benefits like free lounge access, elimination of fuel surcharges, zero liability
protection, etc.<
Tata Neu Infinity HDFC Bank Credit Card
The Infinity credit card is the more expensive of the two co-branded credit cards offered by HDFC Bank and Tata Neu.
It has an annual charge of Rs. 1499 and comes with a welcome bonus of 1499 Neu Coins. Additionally, the card offers
special benefits in a number of fields, such as free lounge access, payback in the form of NeuCoins on your purchases,
travel insurance, and much more.
Regalia Gold Credit Card
The Regalia Gold card gives its member access to some of the greatest travel and lifestyle benefits. The card comes
with free Club Vistara Silver and MMT Black Elite membership, but there is an annual fee of Rs. 2500. Additionally,
you receive 5x reward points for every Rs. 150 spent at Reliance Digital, Nykaa, Reliance Digital, Marks & Spencer,
and Myntra, both online and in-store, and 4 reward points for every Rs. 150 spent on retail. At the Smartbuy site,
you can use your reward points for redemption.
Diners Club Privilege Credit Card
Another highly well-liked HDFC lifestyle card is the Diners Club Privilege card. You receive a free membership to
some of the most well-known subscription services, such as Swiggy One and Amazon Prime. You can also get 4 reward
points for every Rs. 150 spent with this card. A reduced foreign currency markup fee is one of the premium benefits
that you also receive.
Diners Club Black Credit Card
The Diners Club Black credit card is the second most premium product offered by HDFC Bank, behind Infinia. For
every Rs. 150 spend with this card, you will also receive 5 reward points. With this card, you can also acquire a free
membership to some of the most well-known subscription services, such Swiggy One and Amazon Prime. This card has an
annual membership cost of Rs. 10,000.
Infinia Metal Edition Credit Card
The bank's highest-end product is the Infinia Metal Edition Credit Card. Exclusive advantages include golf
privileges, unlimited access to domestic and international lounges, round-the-clock concierge service, and a reduced
foreign exchange markup cost. The card is invite-only. You receive 5 reward points for every Rs. 150 you spend with
the card because it is a reward points card. An annual membership fee of Rs. 12,500 is required to get this card.
HDFC Solitaire Credit Cards
The cardholder is eligible to receive Shoppers Stop coupons valued at Rs. 1,000 for every Rs. 75,000 spent every
six months. The cardholder can earn 50% extra reward points when they use the card for grocery and dining expenses.
Earn three reward points for every Rs. 150 spent. Reward points can be redeemed for cashback with this card. Earn Rs.
40 in cashback for every 100 reward points. Receive 2,000 rupee Shoppers Stop vouchers every year. Chance to receive
4,000 rupees in cashback on reward points after spending 5 lakh rupees on the card. Cardholders can save Rs. 1,500 a
year with bonuses on fuel transactions.
HDFC Infinia Credit Cards
There is no fixed cash withdrawal or spending limit with the Infinia Card. For every INR 150 you spend, you
receive 5 points. Priority Pass and Taj Epicure Inner Circle Gold Membership are given to you automatically. Make
reservations for hotels, movies, and flights at https://offers.reward360.in/infinia/rewards to get twice as many
points. Free travel insurance for overseas destinations.
HDFC Bank Platinum Times Card
The HDFC Bank Platinum Times Credit Card is an affordable, high-value credit card that offers perks in multiple
lifestyle areas. With Platinum Times Credit Card Get up to 20% off meal bills and 25% off movie ticket bookings. On
weekdays, there are three extra reward points for regular spending and ten points for dining out. Fuel surcharge
waiver. Free insurance against accidental death up to Rs. 50 lakh.
HDFC Bank Moneyback Credit Card
Use your HDFC Bank Moneyback Credit Card balance to redeem reward points for cash back. It provides 2x reward
points for online purchases. Spend Rs. 50,000 every quarter to receive a Rs. 500 e-voucher. Free insurance against
accidental death up to Rs. 50 lakh.
HDFC Freedom Credit Card
The HDFC Freedom Credit Card, one of the greatest reward credit cards, also comes with free accidental death
insurance and spend-based benefits. It Provides Purchases like groceries, entertainment, train tickets, taxis, and
dining out earn five times as many reward points, ten times more HDFC reward points PayZapp and SmartBUY purchases,
25 times greater points for birthday expenditures, Get 1 reward point for each Rs. 150 or more spent, a gift card of
Rs. 1000 for yearly purchases of Rs. 90,000 or higher, complimentary coverage for accidents up to Rs. 50 lakh.
HDFC Bank Regalia Card
The HDFC Regalia Credit Card, designed for the upper class, provides the best rewards in a range of lifestyle areas.
It Provides Free Priority Pass membership, good for admission to over 700 airport lounges. For every Rs. 150 spent,
earn 4 Reward Points. 15% off at exclusive eateries all throughout India. Upon reaching yearly expenditures of up to
Rs. 8 lakh, reward points of up to 15,000. There are twelve free domestic lounge visits per year. Constant concierge
support for bookings of entertainment and travel. 2% foreign exchange markup charged on all overseas purchases. Free
all-inclusive insurance that includes credit liability, emergency hospitalization, and accidental death in the air.
Apply for a Credit Card & Get Instant Approval
How To Activate HDFC Bank Credit Cards?
You must first activate your HDFC Bank Credit Card in order to use it for transactions after receiving it.
For an overview of the same, refer to the below steps:
- To activate your HDFC Bank Credit Card, you can sign up/sign in to your HDFC Bank internet banking account
using your customer ID & iPIN and activate the card under the ‘Requests’ tab that you will find after entering
the Credit Cards section.
- After receiving your card, you can also contact bank representatives to request assistance with credit
card activation and to find out more about HDFC Bank Credit Card customer service.
- Using the HDFC Bank ATM that is nearest to you is another way to activate your HDFC Bank credit card.
Simply go to the ATM located nearest to you, enter your credit card, select the credit card activation/PIN
generation option from the main menu, and continue. After that, an OTP will be sent to the registered mobile
number you provided, which you must enter for validation.
Factors Affecting HDFC Bank Credit Card
When applying for a credit card from HDFC Bank, the applicant needs to make sure they have
checked all of the following.
Credit History of the Applicant: The way a person handles their credit-related activities can be seen
from their credit history. For a lender who is offering a credit card requires a clean credit history.
Age of the Applicant: It becomes quite responsible to use a credit card. The Banks have strict age
requirements when granting credit cards because they want a proper payment each month.
Income of the Applicant: While applying for a credit card, your salary is an important factor. The bank
will be able to see this as evidence that you are able to settle your credit card debt. A fixed deposit is another
requirement to be eligible for an HDFC Bank credit card.
HDFC Credit Cards Login/Net Banking
You can register your HDFC Bank Credit Card for online banking by following the few easy steps listed below:
- Step 1: Go to HDFC Bank's official website.
- Step 2:Navigate down to the "Ways To Bank" section.
- Step 3: Navigate to 'Online Banking.'
- Step 4: 'Credit Card Net Banking' will now appear as an option on your screen.
- Step 5: Select "Register Online" from there.
- Step 6: Continue to confirm and fill in the necessary information.
HDFC Credit Card Bill Payment
There are several easy ways to pay your HDFC Bank credit card bills, both online and offline. You have the
option to use your HDFC Bank Account to make payments by AutoPay, ATM, cash, cheque, mobile app, Net Banking
or Mobile Banking App. Even with a non-HDFC bank account, you can pay your HDFC Bank credit card bill.
Dos & Don'ts of Credit Cards
To maximize the benefits of your HDFC Bank Credit Card, it's important to follow these best practices and
recommendations when making an offline and online credit card transactions.
How to Redeem HDFC Credit Card Reward Points
You have the following options to claim and using your HDFC Credit Card Reward Points:
Not Paying
You will be charged late payment fees in addition to interest if you fail to make any payments.
Carrying the Balance Forward
The bank will charge you interest if you carry over the outstanding sum into the next credit cycle.
Cash Withdrawal
A credit card interest rate will be applied if you pay more than the minimum amount due, but not the full amount.
The sum of the following sums represents the amount of interest that is due in this instance:
- From the beginning of the transaction until the day of the partial payment, interest will be charged on the
whole amount.
- From the date of the partial payment until the following statement generation date, interest would be
charged on the outstanding amount.
HDFC Interest-Free Period
The interest-free or grace period on a credit card is the amount of time between the date of the credit card
transaction and the date on which the credit card payment is due. That's why it differs with every credit card
purchase you make. An interest-free period of up to 50 days is usually offered by HDFC. You will not be required
to pay interest if you make your payment on or before the due date, within the interest-free period. This shows
that you use the credit program with no interest.
HDFC Credit Card Application Status
By entering information about your application reference number, application form number, mobile
number, or date of birth, you can check the status of your credit card application online. You can also
check the progress of your credit card application by calling customer service or visiting the HDFC Bank
office that is closest to you.
HDFC Credit Card Balance Transfer
Customers of HDFC Bank are able to transfer balances from credit cards issued by other banks to HDFC Bank
credit cards. Depending on the internal requirements of the bank, customers who have maintained strong credit
card spending, transaction patterns, and payment histories with HDFC Bank may occasionally be eligible for a
credit card balance transfer.
HDFC Credit Card Customer Care
To get your questions answered as soon as possible about your credit card, get in touch with HDFC Bank
customer service. There are several ways to get in touch with HDFC Bank customer service:
- These numbers can be used to make a call: 1800-202-6161 or 1860-267-6161.
- You can write and email your queries if you would rather not to call.
Apply for a Credit Card & Get Instant Approval
FAQs
Yes, some cardholders can apply for loans using credit cards from HDFC Bank. You can take use of
the "Insta Loan" option, in which case the money is taken out of your credit limit. Additionally,
"Insta Jumbo Loan," a personal loan secured by a credit card, is provided by HDFC Bank. Interest rates
and eligible borrowing amounts differ for each user.
The bank may reject your request if you don't match the qualifying requirements or some internal
policies of HDFC Bank. Usually, the bank notifies you of the progress of your application by texting
your registered mobile number. You can also ask the agent about your question concerning rejection by
giving the HDFC Credit Card customer service number a call.
For every HDFC credit card, there is a different income criteria. When compared to premium and
invite-only credit cards, entry-level credit cards have a lower income criteria. On the individual card
page of HDFC Bank's official website, you can verify the income requirements for each card.
It's simple to connect your credit card to your net banking service if you already have a salary,
savings, or current account with HDFC Bank. You can still sign up for HDFC credit card net banking,
nevertheless, if you already have an HDFC credit card but don't use any other bank services. Follow this
procedure:
- Visit the 'Banking options' section on HDFC Bank's official website.
- Choose "Bank online," then "Credit Card Net Banking.
- Select "Register for Netbanking with Credit Cards.
- Select your Login ID, then fill in your information (name, credit card number, PIN, expiration date),
and set a new password for your account.
- Send in the application.
- Your HDFC credit card net banking account will be created if all the information is provided correctly.
You can ask for a limit increase by writing to the bank or by chatting with a customer service
representative, provided that the bank does not automatically provide you a larger limit. In this
situation, you might also need to provide your most recent income documents.
You have two options for paying your HDFC Bank credit card bill: online and offline. You can use
HDFC net banking or mobile banking to make an online payment for your HDFC card bill. To make the
online payment, you can also utilize the HDFC credit card bill desk or the HDFC mobile app. You can
pay your bills offline by visiting the bank's closest branch and making a cash or check payment.
People with strong credit scores (ideally above 750) are given preference when applying for credit
cards by HDFC Bank. For those who are unfamiliar with credit, the bank also provides entry-level credit
cards. If you want to start building credit, you can apply for these cards. In addition, your chances
of getting approved for a credit card would be higher if you have a salary account with the bank.
Many factors, including your income, credit score, and previous debts, will determine your eligibility.
By going into your HDFC Bank account and searching under the HDFC Bank Credit Card area, you can quickly
determine your eligibility for your pre-approved LIFETIME FREE HDFC Credit Card.
On Every transaction exceeds Rs. 150, you can receive reward points.
Yes, by entering your application reference number, mobile number, or date of birth on the HDFC web
portal, you can check the status of your credit card application instantaneously.
Those who already have a credit card may apply for an HDFC Bank credit card with ease, as long as
it is from a different bank and they continue to have good credit. They won't be able to apply for another
HDFC Bank Credit Card, though, if they currently have one.
Cardholders can use their Reward Points to purchase a variety of products from the rewards catalogue,
which can be accessed through NetBanking. These products include gift cards, airline tickets, hotel
reservations, and more.
A late payment fee will be applied if you don't pay the minimum amount owed on your credit card
before the deadline. Late payments on a regular basis could affect your credit rating.
Banks generally don't give one customer two credit cards. However, the bank might think about giving
you two credit cards if your credit score is high.