Convenient, handy, and useful – Credit Cards give you the freedom to make payments for your various expenses. Whatever your needs may be, you can swipe your HDFC Bank Credit Card and pay for the expenses.
Credit Cards are accepted as cash substitutes for all kinds of purchases – be it hotel or flight bookings, bill payments, purchasing the latest gadgets, and online and retail shopping. You can pay for small-value and big-ticket items easily with your HDFC Bank Credit Card. What’s more, you can enjoy exclusive Credit Cards offers, discounts and reward points on your offline and online Credit Card purchases. Our tie-ups with top brands like Amazon, BookMyShow, Swiggy, Tata CliQ, among others on select cards, help you save more as you shop more
At HDFC Bank, we offer an extensive range of Credit Cards with varying credit limits. You can apply for Credit Card online after assessing your eligibility.
*T&C apply on above mentioned benefits.
Some of the mentioned features and benefits are only limited to certain Credit Cards. Lifetime Free offer is based on criteria set by bank. Customers are requested to read the T&C carefully.
The Most Rewarding Card For Everyday Spends
Inspired Living. Ready For You.
Experience the Golden Side Of Life
There's a train ride in every swipe
Extraordinary Rewards. Ready for You.
Extraordinary Rewards. Ready for You.
Step into a exclusive world of premium pleasures and global experiences that are ready for you
Global Belonging. Ready For You.
By Invite only
Enjoy a life more rewarding with inspired choices and luxurious indulgences that are ready for you.
Luxurious Indulgences. Ready For You.
Global Belonging. Ready For You.
Inspired Living. Ready For You.
The Best Card for Your Everyday Spends & Big Purchases
Luxurious Indulgences.Ready For You
Global Belonging.Ready For You.
The Most Rewarding Card For Everyday Spends
Rewarding Style. Ready for You
Rewarding Style. Ready for You
Unlimited Cashback. Every Time.
Unlimited Cashback. Every Time.
Extraordinary Rewards. Ready for You.
Extraordinary Rewards. Ready for You.
Wherever you choose to spend great times, they are ready for you.
Great Times. Ready For You.
Great Times. Ready For You
Convert spends into airmiles and take off on exciting new journeys that are ready for you
Buy, Buy, Buy, Fly!
Buy, Buy, Buy, Fly!
Diverse Discoveries. Ready for you.
Diverse Discoveries. Ready for you.
Diverse Discoveries. Ready for you.
Go the distance and even further with fuel benefits that are ready for you
Fuel Benefits. Ready For You.
Experience life the way you want because everything you need to live better every day is ready for you.
Live Better Every Day.
You can dream big and achieve bigger when your ambitions soar high and every opportunity for success is ready for you
Soaring Ambitions. Ready For You
Soaring Ambitions. Ready For You
Soaring Ambitions. Ready For You
Soaring Ambitions. Ready For You
Soaring Ambitions. Ready For You
Enjoy exclusive benefits upon signing up and transacting with an HDFC Bank Credit Card. We also offer benefits on annual spends exceeding specific amounts
Convert credit card spends of INR 2,500 or more into SmartEMIs post your purchases. Enjoy competitive interest rates and flexible repayment tenures on offline and online Credit Card purchases converted into SmartEMI.
Make payments quickly, confidently, and securely with our contactless Credit Cards. Just tap your card to pay at retail outlets in seconds.
To activate contactless payments, please use MyCards.
Shop and save more on your overseas spends. We levy a low foreign currency markup on overseas purchases on select HDFC Bank Credit Cards.
Select HDFC Bank Credit Cards come with complimentary insurance benefits. Get air accidental cover and emergency overseas hospitalisation cover worth several lakhs.
Leverage revolving credit facilities at nominal interest rates on HDFC Bank Credit Cards. Check the MITC to know more.
For select credit cards get complimentary access to airport lounges at domestic and international airports.
Contact our 24-hour call centre to report your lost Credit Card. Get liability waivers on fraudulent transactions upon prompt reporting. Read more about the benefits of using a credit card.
You should be at least 18 years old.
You should be an Indian National.
You should be a Resident or Non-Resident Indian.
You should be a salaried professional or a self-employed individual.
HDFC Bank determines your eligibility for Credit Card and subsequent credit limit based on your annual income.
*HDFC Bank revises your credit limit based on your annual spends, card usage, and changing income. We also send invitations to upgrade your Credit Cards based on your usage.
HDFC Bank provides reward points for every offline and online Credit Card transaction which is one of the major advantages of credit card. You can redeem the accumulated points and select from a range of gift from our rewards catalogue, gift vouchers from reputed brands, airlines miles or adjust them against your statement balance. You can earn higher reward points with select Credit Cards. Remember to utilise your reward points before they expire. Also, look out for exclusive Credit Card offers with your reward points.
HDFC Bank generates monthly Credit Card statements comprising details of all transactions made during a credit cycle – the amounts swiped, the due date, and the outstanding amounts. The statement is generated on a fixed date that may not necessarily be the first day of the month. HDFC Bank sends you the statement on your registered email address.
You can use your Credit Card to withdraw cash at ATMs with our Credit Card cash advance facility. The permissible cash withdrawal limits depends on your card type. It also differs from the credit limit. The bank levies credit card interest rate and other applicable fees on Credit Card cash withdrawals.
HDFC Bank levies certain Credit Card fees, based on the type of Credit Card you hold. The bank levies an annual maintenance charge. Other charges you should be prepared to bear when you apply for Credit Cards include a cash advance fee for cash withdrawals, foreign currency markup fee, late payment charges, interest on outstanding dues, fees for exceeding the credit limit, and GST charges.
HDFC Bank generates a new bill every month, per your credit cycle. You get 20 days post the bill generation date, and an interest-free period of approximately 50 days. You must pay at least the minimum amount due. The bank does not levy any additional charges if your repay your outstanding dues in full on or before the due date. However, partial or non-payments attract interest. You can set up standing instructions to make automatic Credit Card payments from your Savings Account.
You can conduct various offline and online Credit Card transactions. Consider these Credit Card usage etiquette to enjoy uninterrupted benefits with your HDFC Bank Credit Card.
- What To Do:
HDFC Bank offers an array of Credit Cards catering to various needs. From shopping credit cards to best airline credit cards, please check our bouquet of offerings based on your eligibility and choose your preferred Credit Card.
You must check the vital terms and conditions concerning credit limits, interest rates, cash withdrawals, fees and charges, waivers, discounts, Credit Card offers, etc., when you apply for a Credit Cards online.
Repaying your dues in full proves incredibly beneficial as it showcases your creditworthiness to the bank over a specific period of time. Also, you do not have to pay interest if you repay your total outstanding dues on time.
HDFC Bank will inform you if you qualify for credit limit enhancements. An enhanced credit limit gives you freedom to buy more and earn more reward points so use it to your advantage.
The billing date is when the bank sends you an itemised bill comprising your Credit Card spends during the last billing cycle and the payment date is the date on or before which you must clear your dues. Ensure you keep track of these dates to avoid late payment charges.
Keep track of your Credit Card expenses frequently to avoid fraudulent transactions. You can track your spends by opting to receive SMS and email alerts following every Credit Card transaction. Also, inform the bank and block your card immediately in case of fraudulent transactions.
- What Not to Do:
Utilising only a part of your card’s credit limit may be the right way to go. Over-utilisation of the credit limit may impact your credit score, burden you with a huge debt, and makes repayment difficult.
While it may seem wise to to have more than one Credit Card and by extension an additional credit limit, especially during emergencies, applying for multiple Credit Cards may not be not prudent. Doing so may make you appear credit hungry or a imply risk-taking tendencies
Paying only the minimum amount due on your Credit Card is not recommended. By choosing this option, you would typically carry forward the remaining amount to the next cycle, incurring an interest rate on the delayed payment, and increasing your outstanding Credit Card debt.
Understanding how to use a Credit Card wisely is vital. Consider these security tips.
Your Credit Card comprises details like your name, card number, expiration date and the CVV number. While making online transactions, you must enter these details. You must also input the 4-digit pin along with a One Time Password (OTP) the bank sends on your registered mobile number (RMN) to authenticate the transaction. Ensure secure transactions by not sharing your PIN or OTP with anyone.
You can activate your card for international usage anytime. We recommend you deactivate it soon after arriving in India. You must inform us immediately upon losing your card or if you notice fraudulent or suspicious transactions on your card. The bank will block the card immediately in such cases.
Do not respond to correspondences asking for your card number, expiry date, or other data. While you may have to input some values when you call us on the helpline, remember that HDFC Bank or our representatives will never ask you for your Credit Card PIN, CVV, or OTPs. Do not share this information with anyone.
A Credit Card is a financial instrument or facility provided by banks. It comes with a predetermined credit limit. You can utilise this credit limit to make cashless offline and online payments for products and services using your Credit Cards.
A Credit Card allows you to buy products and services on credit, while you can pay for the same at a later date. It enables you to make purchases instantly and you do not have to postpone your expenses due to a lack of cash at hand or if you have limited funds in your Savings Account.
When you swipe a Credit Card, the bank makes the payment to the merchants/retailers on your behalf. Unlike a debit card, it does not debit money from your account immediately. Instead, it sends you an itemised bill for your Credit Card expenses, which you can repay on or before the Credit Card due date.
Method 1: You can apply for a Credit Card in just 3 simple steps by clicking here.
Method 2: Alternatively, you may apply through HDFC Bank's Website & follow the steps:
a. Open the website, visit the Credit Card page
b. Verify your eligibility and follow a simple 3-step process
c. Our AI recommends the best HDFC Bank Credit Card for you
d. Verify your address and employment details
e. Authorise via NetBanking or Debit card
f. We will issue you a new Credit Card subject to our internal review
Method 3: You can visit your nearest HDFC Bank branch and apply for a Credit Card using the physical form.
Simply visit the HDFC Bank Credit Card page on the website and enter your Mobile Number and Date of Birth to check your eligibility, or click this link.
For existing HDFC Bank customers:
a. Being an HDFC Bank customer, your latest mailing address is updated in our records, so we will NOT need your address documents for an HDFC Bank Credit Card application, but we will require your income documents. In the event we do need your address proof, we will let you know accordingly. Acceptable income proof documents include salary slip or income tax return for the last 3 years.
b. In case your latest mailing address requires changing, you will need to provide your latest Address proof and income proof. Acceptable mailing address proof documents include an Aadhar card, Indian passport, voter ID (issued in India), and driving license (issued in India). Acceptable income proof documents include salary slip or income tax return for the last 3 years.
For new customers: We will need your address, income, and identity proof, as listed in the application process.
You can easily apply for an HDFC Bank Credit Card despite already having a Credit Card if:
a. Your existing Credit Card is from another bank
b. You have a good Credit Score
However, if you already have an HDFC Bank Credit Card, we will not be able to give you another HDFC Bank Credit Card.
Manage your HDFC Bank Credit Card through HDFC Bank MyCards.
Easily monitor and control your Credit Card Spends through HDFC Bank MyCards.
HDFC Bank Credit Cards come with certain payable charges irrespective of whether you use your Card. However, if you meet certain conditions, we can waive those charges. Click here to know the conditions mentioned above.
Once you have accumulated Reward Points, you can redeem them for products through the rewards catalogue, gift vouchers, flight tickets, hotel bookings etc., through NetBanking.
You don't have to pay interest on all purchases. However, suppose you do not repay the total outstanding amount on or before the bill due date. In that case, the unpaid dues and all additional transactions begin attracting interest till the pending amount is repaid in full.
If you do not pay the minimum amount due on your Credit Card by the payment due date, you will be levied a late payment fee. Frequent late payments may affect your Credit Rating.