Credit Card - Compare & Apply Credit Cards Online

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.

Benefits* of
HDFC Bank Credit Cards

  • Exclusive
    Rewrds Points
  • Lifetime Free
    Credit Cards
  • Great Cashbacks
  • Gift Vouchers
  • Improve Credit Score with Timely Payments
  • Up To 50 Litres of
    Free Fuel Annualy

*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.


Credit Card Categories - Types of Credit Cards Offered

Our Popular Cards

MoneyBack+ Credit Card

The Most Rewarding Card For Everyday Spends

  • 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
  • 5X CashPoints on EMI spends at merchant locations
  • 2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
  • Gift vouchers worth upto ₹2000 annually

Regalia Credit Card

Luxurious Indulgences. Ready For You.

  • Complimentary Zomato Gold Membership for a Year
  • Complimentary lounge access at over 1000 airports
  • 4 Reward Points for every ₹ 150 spent
  • Earn Bonus 15,000 Reward Points on spends of ₹ 8 lakhs in a year

Millennia Credit Card

Inspired Living. Ready For You.

  • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy
  • 2.5% CashBack on all online spends
  • 1% CashBack on all offline spends and wallet reloads
  • 8 Complimentary Domestic Airport Lounge access annually

Super Premium

Step into a exclusive world of premium pleasures and global experiences that are ready for you

Infinia Credit Card

By Invite only

  • Complimentary Club Marriott membership for first year
  • Unlimited airport lounge access across the globe
  • Unlimited Complimentary golf games at leading courses across India and select courses across the world
  • 5 Reward Points for every ₹ 150 spent
  • Global Personal Concierge -24 X 7

Diners Club Black Credit Card

Global Belonging. Ready For You.

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMTDOUBLEBLACK and Times Prime
  • Complimentary Ola Select | cure.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
  • 5 Reward Points for every Rs 150 spent
  • Up to 10X Reward Points on partner brands
  • Complimentary Golf games across the finest courses in the world
  • Unlimited Complimentary Airport Lounge Access

Lifestyle

Enjoy a life more rewarding with inspired choices and luxurious indulgences that are ready for you.

Regalia Credit Card

Luxurious Indulgences. Ready For You.

  • Complimentary Zomato Gold Membership for a Year
  • Complimentary lounge access at over 1000 airports
  • 4 Reward Points for every ₹ 150 spent
  • Earn Bonus 15,000 Reward Points on spends of ₹ 8 lakhs in a year

Diners Club Privilege Credit Card

Global Belonging. Ready For You.

  • Complimentary Annual memberships of Amazon Prime, Zomato Pro, MMTDOUBLEBLACK, BB Star and Times Prime
  • Complimentary Ola Select | cure.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 40,000 every month
  • 4 Reward Points for every Rs 150 spent
  • 10X Reward Points on partner brands
  • Complimentary Golf games across the finest courses in the world
  • 12 complimentary Airport Lounge Access worldwide

Millennia Credit Card

Inspired Living. Ready For You.

  • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy
  • 2.5% CashBack on all online spends
  • 1% CashBack on all offline spends and wallet reloads
  • 8 Complimentary Domestic Airport Lounge access annually

MoneyBack Credit Card

Rewarding Spends. Ready For You.

  • Earn 2 Reward Points for every Rs 150 spent
  • Earn 4 Reward Points for every Rs 150 spent online
  • Earn up to Rs. 2000 worth of gift vouchers every year

Regalia First Credit Card

Luxurious Indulgences.Ready For You

  • Exclusive dining privileges with up to 15% discount at partner restaurants
  • 4 Reward Points for every ₹ 150 spent
  • Complimentary Priority Pass Membership for free access to over 1000 lounges globally

Diners ClubMiles Credit Card

Global Belonging.Ready For You.

  • Get up to 6 complimentary access to 700+ lounges worldwide annually
  • Redeem Reward Points for bookings across 150+ airlines and a wide range of hotels
  • Get air accident cover of ₹1 crore

Freedom Credit Card

Many Firsts. Ready For You.

  • Earn 1 Reward Point on every ₹150 spent
  • Enjoy ₹1000 Gift Voucher on annual spends of ₹90,000 and above
  • Get add-on Credit Card for free with your existing Freedom Credit Card

MoneyBack+ Credit Card

The Most Rewarding Card For Everyday Spends

  • 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
  • 5X CashPoints on EMI spends at merchant locations
  • 2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
  • Gift vouchers worth upto ₹2000 annually

Entertainment

Wherever you choose to spend great times, they are ready for you.

Platinum Times Card

Great Times. Ready For You.

  • 25% off on Movies on BookMyShow
  • Up to 20% off on dining
  • 3 Reward Points for every ₹ 150 spent
  • 10 Reward Points for ₹ 150 spent on weekday dining
  • Offers every single day on Times Card WebApp (Live GPS location based offers)

Titanium Times Card

Great Times. Ready For You

  • 25% off on Movies on BookMyShow
  • Up to 15% off on dining
  • 2 Reward Points for every ₹ 150 spent
  • 5 Reward Points for ₹ 150 spent on weekday dining
  • Offers every single day on Times Card WebApp (Live GPS location based offers)

Travel

Convert spends into airmiles and take off on exciting new journeys that are ready for you

6E Rewards - IndiGo HDFC Bank Credit Card

Buy, Buy, Buy, Fly!

  • 2.5% 6E Rewards on IndiGo
  • 2% 6E Rewards on Grocery, Dining & Entertainment
  • 1% 6E Rewards on all other spends*
  • Up to 10% 6E Rewards on IndiGo featured partners
  • Discounted Convenience Fee on IndiGo tickets-Rs.100 per pax

6E Rewards XL- IndiGo HDFC Bank Credit Card

Buy, Buy, Buy, Fly!

  • 5% 6E Rewards on IndiGo
  • 3% 6E Rewards on Grocery, Dining & Entertainment
  • 2% 6E Rewards on all other spends*
  • Up to 15% 6E Rewards on IndiGo featured partners
  • Discounted Convenience Fee on IndiGo tickets-Rs.100 per pax

InterMiles HDFC Bank Diners Club Credit Card

Diverse Discoveries. Ready for you.

  • Welcome benefit of up to 25,000 InterMiles and earn 8 InterMiles per every Rs.150 spent
  • InterMiles Gold tier Membership for first year
  • 2X InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com
  • Rs 5000 Worth Flight & Hotel discount vouchers*

InterMiles HDFC Bank Signature Credit Card

Diverse Discoveries. Ready for you.

  • Welcome benefit of up to 8,000 InterMiles and earn 6 InterMiles per every Rs.150 spent
  • InterMiles Silver tier Membership for first year
  • 2X InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com
  • Complimentary Domestic & International Lounge Access

InterMiles HDFC Bank Platinum Credit Card

Diverse Discoveries. Ready for you.

  • Welcome benefit of up to 3,000 InterMiles and earn 4 InterMiles per every Rs.150 spent
  • 2X InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com
  • Rs. 1500 Worth flight & hotel discount vouchers*
  • 8 Complimentary Domestic Lounge Access*

Fuel

Go the distance and even further with fuel benefits that are ready for you

IndianOil HDFC Bank Credit Card

Fuel Benefits. Ready For You.

  • Earn up to 50 Liters of Free fuel annually
  • Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
  • Earn 1 Fuel Point for every Rs. 150 spent on all other purchases
  • Enjoy 1% Fuel Surcharge waiver

EMI

Experience life the way you want because everything you need to live better every day is ready for you.

Easy EMI Card

Live Better Every Day.

  • Automatic conversion on spends of ₹10,000 and above to EMI of 9 months
  • 5% CashBack on Amazon & Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy
  • 2.5% CashBack on all online spends
  • 1% CashBack on all offline spends and Wallet reloads

Business

You can dream big and achieve bigger when your ambitions soar high and every opportunity for success is ready for you

Business Regalia

Soaring Ambitions. Ready For You

  • Up to 50 days interest free credit period
  • 4 Reward Points for every Rs.150 spent
  • Complimentary 6 International + 12 domestic airport lounge visits annually
  • 5% CashBack on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi spends
  • Travel insurance cover up to Rs. 1 Cr

Best Price Save Max HDFC Bank Credit Card

Soaring Ambitions. Ready For You

  • Up to 50 days interest free credit period
  • 6 Reward Points for every Rs 150 spent on all Best Price purchases
  • 4 Reward Points for every Rs 150 spent on IRCTC, utility & dining
  • Free Best Price vouchers
  • 8 Complimentary International lounge visits annually

Business MoneyBack

Soaring Ambitions. Ready For You

  • Up to 50 days interest free credit period
  • 4 Reward Points for every Rs.150 spent on all online purchases
  • 2 Reward Points for every Rs 150 spent on other expenses (Except fuel)
  • 1% Fuel surcharge waiver
  • 5% CashBack on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi spends

Best Price Save Smart HDFC Bank Credit Card

Soaring Ambitions. Ready For You

  • Up to 50 days interest free credit period
  • 1% CashBack on all Best Price spends
  • Free Best Price vouchers
  • 1% Fuel surcharge waiver

CSC Small Business MoneyBack

Soaring Ambitions. Ready For You

  • Up to 50 days interest free credit period
  • 4 Reward Points for every Rs.150 spent on all online purchases
  • 2 Reward Points for every Rs 150 spent on other expenses (Except fuel)
  • 5X Reward Points on fuel spends
  • 5% CashBack on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi spends

Others

All Miles Credit Card

  • Free access to over 600 exclusive airport lounges
  • Three reward points for every Rs. 150 spent, redeem points for air Miles
  • Double reward points for spends on AllMiles website

Bharat Credit Card

  • 5% CashBack on IRCTC bookings, bill payments, and fuel spends
  • Additional 5% CashBack on EasyEMI, PayZapp and SmartBuy spends

Business Bharat Credit Card

  • Enjoy 5% CashBack on various products and categories
  • Enjoy safe and secure transactions with chip-enabled cards

Business Freedom Credit Card

  • Enjoy 5% CashBack on movies, dining, super market spends, taxi and bill payment
  • Get interest-free credit period for 50 days
  • Enjoy revolving credit at nominal interest rates

Business Gold Credit Card

  • Travel abroad securely with HDFC ERGO travel insurance policy
  • Get interest-free credit period for 50 days
  • Enjoy higher security with chip technology Credit Cards

Business Platinum Credit Card

  • Enjoy 1% CashBack on retail and international spends
  • Get free access to exclusive airport lounges when you travel
  • Stay protected with zero-liability on your card

Business Regalia First Credit Card

  • Earn 4 Reward Points for every ₹ 150 spent
  • Get up to 15% discount at 300+ premium restaurants
  • 5% CashBack on IRCTC, Utility and Tax Payments.

Diners Club Premium Credit Card

  • 5 free lounge access a year to 650+ exclusive global lounges and unlimited entry to 25+ domestic lounges
  • 24x7 concierge service for reservation of golf courses, restaurants, hotels, and cars
  • 4 Reward Points for every ₹ 150 spent

Diners Club Rewardz Credit Card

  • 3 Reward Points for every ₹ 150 spent; 3X Reward Points for spends at partner brands
  • Get double the Reward Points for spends on groceries, dining and airline tickets
  • Enjoy 24x7 concierge service for reservation of golf courses, restaurants, hotels, cars and limousines

Doctor's Regalia Credit Card

  • Complimentary Airport Lounge Access through Priority Pass Membership
  • Lowest Foreign Currency Mark-up Fee of 2% on international transactions
  • Now get 15,000 bonus points every year on spends of Rs.8Lac(wef 1 Apr'18)

Doctors Superia Credit Card

  • 3 Reward Points for every ₹ 150 spent and 50% more points on dining spends
  • Reward Points can be exchanged for Miles (at 0.7 Miles for every point)

JetPrivilege HDFC Bank Select / Titanium

  • Earn InterMiles on your purchases and accelerated miles on flights booked on www.intermiles.com
  • Fuel surcharge of 2.5% plus service tax will be replaced by Convenience fee of 1% (effective 01 Feb’17) plus GST (effective 01 Jul’17).

Platinum Edge Credit Card

  • Exciting CashBack offers on everyday spends
  • 2 Reward Points for every ₹ 150 spent; 50% more Reward Points at premium restaurants
  • Redemption of Reward Points as CashBack to pay off Credit Card dues

Platinum Plus Credit Card

  • 2 Reward Points for every ₹ 150 spent
  • 50% more Reward Points for every ₹ 150 spent above ₹ 50,000 per statement cycle
  • Savings up to ₹ 250 in every billing cycle with a 100% fuel surcharge waiver

Solitaire Credit Card

  • 3 Reward Points for every ₹ 150 spent
  • 50% more Reward Points on dining and grocery spends
  • ₹1000 Shoppers Stop voucher on spends above ₹75000 within 6 months

Superia Credit Card

  • Save more while flying domestic with Air India, etc.
  • Redeem points for Miles with 20+ international airlines
  • 3 Reward Points on every ₹ 150 spent; 50% more on dining spends

Teachers Platinum Credit Card

  • Special gift of 500 Reward Points on Teacher's Day (5 Sept) every year
  • Convenient utility bill payment with SmartPay
  • 2 Reward Points for every ₹ 150 spent; 3X Reward Points on weekends

Titanium Edge Credit Card

  • Great cashback offers on everyday spends
  • 2 Reward Points for every ₹ 150 spent; 50% more Reward Points at premium restaurants
  • Redemption of Reward Points as CashBack to pay off Credit Card dues

Visa Signature Credit Card

  • Free lounge access at over 600+ airports globally with a complimentary Priority Pass membership
  • 2 Reward Points for every ₹ 150 spent
  • Savings of up to ₹ 250 in every billing cycle with a 100% fuel surcharge waiver

World MasterCard Credit Card

  • Free lounge access at 600+ airports globally with a complimentary Priority Pass membership
  • 2 Reward Points for every ₹ 150 spent
  • 50% more Reward Points for every ₹ 150 spent above ₹ 75,000 per statement cycle

Features Of HDFC Bank Credit Card

Welcome Benefits

Enjoy exclusive benefits upon signing up and transacting with an HDFC Bank Credit Card. We also offer benefits on annual spends exceeding specific amounts

SmartEMI

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.

Contactless Payments

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.

Foreign Currency Markup

Shop and save more on your overseas spends. We levy a low foreign currency markup on overseas purchases on select HDFC Bank Credit Cards.

Insurance Benefits

Select HDFC Bank Credit Cards come with complimentary insurance benefits. Get air accidental cover and emergency overseas hospitalisation cover worth several lakhs.

Revolving Credit Facility

Leverage revolving credit facilities at nominal interest rates on HDFC Bank Credit Cards. Check the MITC to know more.

Airport Lounge Access

For select credit cards get complimentary access to airport lounges at domestic and international airports.

Zero Lost Card Liability

​​​​​​​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.

Eligibility Criteria To Apply For Credit Card

Age

You should be at least 18 years old.

Nationality

You should be an Indian National.

Residential Status

You should be a Resident or Non-Resident Indian.

Employment Status

You should be a salaried professional or a self-employed individual.

Annual Income

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.

Things To Know Before Applying For A Credit Card

Rewards Points System

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.

Credit Card Statement

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.

Credit Card Cash Withdrawa

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. ​​​​​​​

Fees & Charges

​​​​​​​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.

Credit Card Bill Payment

​​​​​​​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.

Credit Card – Dos And Don’ts

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:

Research The Cards

​​​​​​​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.​​​​​​​

Assess Terms and Conditions

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.​​​​​​​

Repay Dues on Time

​​​​​​​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.​​​​​​​

Leverage Credit Limit Enhancement

​​​​​​​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.​​​​​​​

Know About Billing and Payment Dates

​​​​​​​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.​​​​​​​

Track your Expenses

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:

Don’t Over Utilise the Entire Credit Limit​​​​​​

​​​​​​​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.​​​​​​​

Don’t Apply for Too Many Credit Cards

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​​​​​​​

Don’t Pay Just the Minimum Amount Due

​​​​​​​ ​​​​​​​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.​​​​​​​

Tips For Secure Credit Card Usage

Understanding how to use a Credit Card wisely is vital. Consider these security tips.

Card Features and Usage

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.

Overseas Usage

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.

Avoid Sharing Card Details

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.

Credit Cards FAQs

How can I apply for a Credit Card?

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:

  • Open the website, visit the Credit Card page
  • Verify your eligibility and follow a simple 3-step process
  • Our AI recommends the best HDFC Bank Credit Card for you
  • Verify your address and employment details
  • Authorise via NetBanking
  • 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.

How can I check if I am eligible for an HDFC Bank Credit Card?

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.

Do I need to submit any documents while applying for a Credit Card?

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.

I already have a Credit Card. Can I apply for another one?

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.

How do I manage my Credit Card?

Manage your HDFC Bank Credit Card through HDFC Bank MyCards.

How can I track and control the Spends on my Credit Card?

Easily monitor and control your Credit Card Spends through HDFC Bank MyCards.

Do I have to pay Credit Card bills if I don't use my Card?

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.

What are all the things I can do with my reward points?

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.

How can I get a Lifetime Free Credit Card or get my annual charges waived off?

Lifetime Free Credit Card or Annual Fee Waivers are based on specific offers or Spends criteria. Click hereto know more

Do I have to pay interest on all the purchases I make using a Credit Card?

No, 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.

What does Late Payment Fee on Credit Cards mean?

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 and force the Bank to reassess your credit profile, reducing your Credit Card limit and a possible increase in interest rate.

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