Make every purchase a cashback party
HDFC CreditCards: Real money back, real rewards
T&C Apply.
Reward Type
- Enjoy special rewards and additional perks for annual spending above specific limits with HDFC Bank Credit Cards.
Convert purchases of ₹2,500+ into easy EMIs with competitive interest rates for online and in-store transactions.
Make secure, instant payments by tapping your card at POS machines. Activate via the MyCards app.
Eligibility
- Applicants must be at least 18 years old to apply.
- Applicants can be either residents or non-resident Indians.
- Applicants must be salaried professionals or self-employed.
- Applicants annual income determines your eligibility for a HDFC Bank Credit Card and the credit limit you receive.
- Applicants must be at least 18 years old to apply.
Documents Required
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For Existing HDFC Bank Customers:
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Address: Already updated in records; no additional proof needed.
Income: Recent salary slips or income tax returns for the last three years.
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Address Proof: Aadhaar card, Passport, Voter ID, or Driver’s License.
Income Proof: Recent salary slips or income tax returns for the past three years.
Identity Proof: As specified in the application.
Choose the HDFC Credit Card that Maximizes Your Rewards
Convenience for managing expenses (travel, shopping, etc.)
Flexibility for handling various costs
Benefits like discounts, rewards, and exclusive offers (with select cards)
Manageability through online tools for tracking spending and setting limits
About HDFC Credit Cards
HDFC Bank avails itself of a broad range of credit cards, and these are unique in that they all come with distinct features and privileges. Here’s an overview
Classification of HDFC Credit Cards
1. Regular Credit Cards: HDFC Bank Platinum Plus and Diners Club Credit Cards come under the category of general reward cards.
2. Shopping Credit Cards: For shopping enthusiasts like Tata Neu Infinity and Shoppers Stop HDFC Credit Card that has certain percentages off and some other benefits.
3. Fuel Credit Cards: Some of them are the IndianOil HDFC Credit Card which provides improved benefits when it comes to fuel transactions.
4. Co-branded Credit Cards: It is integrated with partners like InterMiles and Maruti Suzuki NEXA, especially suitable for travel and entertainment.
5. Commercial/Business Credit Cards: Designed for business consumers, equipped with expense management tools, including HDFC Business MoneyBack and Corporate Platinum Credit Card.
6. CashBack Credit Cards: Introduce cash back on the most basic purchases for products such as the Platinum Edge and MoneyBack Credit Card.
7. Secured Credit Cards: Primarily targeting individuals who need to establish credit, comes with a security deposit.
Key Features and Benefits
l Cash Advances: Available in ATMs with operational charges and an applicable interest rate.
l Reward Points: Accrued on spending and can be applied towards vouchers, flight miles, and statement credits.
l International Use: Cards can be used anywhere in the world; it is advised to deactivate them after use to protect against fraud.
l Fees: Different charges include; Annual maintenance fee, Cash advance fee, and Late payment fee.
l Bill Payment: Convenient and online form of payment with penalty fees applicable after a certain time.
l Card Management: They have convenient Web interfaces that can be used for controlling usage limits and performing transactions.
This range of HDFC credit cards guarantees that every individual is well covered based on their needs, with strong offers for users of the cards.
HDFC Credit Card FAQs
A Credit Card lets you make purchases with a set spending limit, allowing you to pay later with interest if not paid in full.
You use it to make purchases, and the bank pays on your behalf. You receive a monthly statement and can choose to pay the full balance or a minimum amount by a due date, with interest on unpaid amounts.
It’s a financial tool for buying goods and services on credit, providing immediate access to funds when cash is limited.
Apply online or visit a branch, provide personal and employment details, and submit required documents.
Check online using your Mobile Number and Date of Birth on HDFC Bank’s website.
Accumulate and redeem points for various rewards through HDFC Bank’s NetBanking platform.
It’s a fee charged if you don’t pay the full or minimum amount due by the specified date, detailed in your Credit Card agreement.