HDFC Credit Card

One of the well-known banks in India, HDFC Bank, provides its clients with a wide range of loan products. Benefits from HDFC credit cards are available in several categories, including travel, rewards, and shopping. From basic cards to high-end choices, everybody can choose a credit card that meets their needs at HDFC Bank. The best credit card for a person is depend upon spending habits is the one that gives the most benefits. At Mybankingtips, you can compare features and apply online for the best HDFC Card. To help you choose the right credit card here is a list of some of the top HDFC credit cards for 2024.

Top 10 HDFC Credit Cards in India

Credit cards from HDFC are available with a range of features and advantages. Some HDFC cards provide reward points, while others offer cashback. To meet the needs of every type of customers, MybankingTips offers a comprehensive selection of HDFC Bank credit cards online. The list of the most well-liked HDFC credit cards is provided here. Depending on your requirements and preferences, you can select and apply for the best HDFC credit card.

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.

Eligibility Criteria to Apply for HDFC Credit Cards

Here are the common eligibility criteria for applying for HDFC credit cards:

  • Age: Applicants should be between the ages of 21 and 60, to apply for an HDFC credit card.
  • Credit score: A CIBIL score of at least 750 is required.
  • Nationality: Applicants should be a citizen of India.
  • Income: The bank will assess your eligibility based on your yearly income.
  • Occupation: 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.

Proof of Identity Aadhaar card, PAN Card, Passport, Voter’s ID, Driver’s License, Overseas Citizen of India Card, Job card issued by NREGA, Person of Indian Origin Card, Letters issued by the UIDAI or any other government approved photo ID proof
Proof of Address Aadhaar card, Passport, , Driver’s License, 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 any other government approved address proof
Proof of Income

(For salaried)

  • Salary certificate
  • Recent salary slip/s
  • Employment letter

(For self-employed)

  • Certified financials
  • Latest Form 16
  • Recent ITR (Income Tax Returns)
  • Audited profit and loss statement or balance sheet

HDFC Credit Card: Fees & Charges

Here are some of the standard fees and charges that apply with HDFC Credit Cards:

Fee Type Amount
Joining/ Annual Fee Varies for all HDFC Credit Cards
Finance Charges Up to 3.6% p.m. | 43.2% p.a. (varies from card to card)
Over limit fee 2.5%
Card replacement fee Rs.100 to Rs.250
Late Payment Fee For Outstanding Balance Fee
Less than Rs. 100 Nil
Rs. 100 to Rs. 500 Rs. 100
Rs. 501 to Rs. 5,000 Rs. 500
Rs. 5,000 to Rs. 10,000 Rs. 600
Rs. 10,001 to Rs. 25,000 Rs. 800
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Consider a card's annual fee, joining fee, and best use while reviewing it.

Card Variant Joining Fee Annual Fee Best For
HDFC Millennia Credit Card ₹ 1,000 ₹ 1,000 Cashback
HDFC MoneyBack Credit Card ₹ 500 ₹ 500 Rewards & Cashback
HDFC MoneyBack+ Credit Card ₹ 500 ₹ 500 Rewards
HDFC Diners Club Privilege Credit Card ₹ 2,500 ₹ 2,500 Rewards & Dining
HDFC Infinia Metal Credit Card ₹ 10,000 ₹ 10,000 Travel and Shopping
InterMiles HDFC Bank Signature Credit Card ₹ 2,500 ₹ 2,500 Travel
6E Rewards XL IndiGo Credit Card ₹ 2,500 + Taxes ₹ 2,500 + Taxes Travel
IndianOil HDFC Credit Card ₹ 500 ₹ 500 Fuel Transactions
HDFC Regalia Credit Card ₹ 2,500 ₹ 2,500 Shopping & Travel
HDFC Platinum Times Credit Card ₹ 1,000 ₹ 1,000 Entertainment
HDFC Diners Club Black Credit Card ₹ 10,000 ₹ 10,000 Travel & Lifestyle
HDFC Bank Diners ClubMiles Credit Card ₹ 1,000 ₹ 1,000 Travel
InterMiles HDFC Bank Platinum Credit Card ₹ 1,000 ₹ 1,000 Travel
IRCTC HDFC Bank Credit Card ₹ 500 ₹ 500 Travel
HDFC Business Regalia Credit Card ₹ 2,500 ₹ 2,500 Travel
Swiggy HDFC Credit Card ₹ 500 ₹ 500 Dining & Food Delivery
HDFC Bank Freedom Credit Card ₹ 500 ₹ 500 Rewards
Tata Neu Infinity HDFC Bank Credit Cards ₹ 499 ₹ 1,499 Shopping
HDFC Bank Easy EMI Card ₹ 500 ₹ 500 Cashback
Snapdeal HDFC Bank Credit Card ₹ 500 ₹ 500 Reward & Fuel
HDFC Bank Doctor’s Superia Credit Card ₹ 1,000 ₹ 1,000 Rewards
HDFC Bank Teacher’s Platinum Credit Card ₹ 500 ₹ 500 Fuel & Reward
HDFC Bank Platinum Edge Credit Card ₹ 500 ₹ 500 Dining & Reward
HDFC Bank Titanium Times Credit Card ₹ 500 ₹ 500 Movie & Dining
HDFC Solitaire Credit Cards ₹ 1,500 ₹ 1,500 Dining
Suggested Read : Check 25 Best Credit Cards in India in July 2024 and find the right card as per your spending habits.

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:


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 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.

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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.

Dos Don'ts
Pay all your bills on time Don't Apply for multiple Credit Cards
Maintain a low credit utilization ratio Don't Pay Only the Minimum Amount Due
Regularly check your credit card account Don’t ignore your credit card statements
Take advantage of credit card rewards Don’t close old credit cards without a reason
Know your credit card’s terms & Conditions. Don't Over-utilise the Entire Credit Limit

How to Redeem HDFC Credit Card Reward Points

You have the following options to claim and using your HDFC Credit Card Reward Points:

  • To register your credit card, go in to the official net banking portal.
Step 1: Select "Redeem Reward Points" by clicking. Step 2: Choose your card, then click Proceed with the redemption process further. Step 3: Click on Points for Reward Redeeming. Step 4: To access the catalog, choose the Points Range and Item Category. Step 5: After selecting items, put them in your shopping cart. Step 6: Click View Shopping Cart to view items after making your selection. Step 7: In order to confirm, click the box. Step 8: Lastly, to validate redemption, click Redeem.

HDFC SmartBuy

The rewards aggregator portal for HDFC Bank is called SmartBuy, and it's where you can find discounts and offers that the bank makes in collaboration with outside retailers. On SmartBuy, you can also purchase Instant Vouchers and make reservations for hotels and flights. While you receive extra cashback on most HDFC cards when you spend at SmartBuy, your Infinia and Diners Club Black Cards accelerate your reward points. You can refer to here for additional details on the cashback and bonus reward points you can accrue through the SmartBuy platform.

When is the HDFC Credit Card Interest Rate Charged?

The bank will charge you interest if you use your credit card to make cash withdrawals or carry forward past-due payments. Furthermore, the bank may be able to charge interest if money is not paid or is only partially paid.

The circumstances listed below are applicable in this context:

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.

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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.

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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.

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Please click the links below to find details and instructions related to HDFC Credit Cards that can help you in easily managing your card: