Credit Card - Choose the Right Credit Card for Your Lifestyle

Credit Cards serve as convenient financial tools, providing you with the ease of managing your expenses seamlessly. Opting for an HDFC Bank Credit Card opens doors to a world of convenience, granting you the flexibility to handle a diverse range of expenditures.

Whether you're securing accommodations, booking flights, settling utility bills, acquiring the latest gadgets, or indulging in online or in-store shopping, your HDFC Bank Credit Card stands as your reliable companion. You can effortlessly manage both minor and major expenses with confidence.

The perks don't end there. By utilising your Credit Card, you can unlock access to exclusive offers, discounts, and reward points. Our partnerships with leading brands such as Shoppers Stop, BookMyShow, Marriott, Indigo, Swiggy, Tata Neu, and more (available on select cards) ensure that you not only spend wisely but also save significantly.

At HDFC Bank, our online banking and payment channels, viz., NetBanking, Mobile Banking, MyCards and PayZapp, allow you to manage your Credit Cards. You can set transaction limits and enable/disable international transactions and contactless payments.

Key Fact Statement cum MITC

Benefits* of
HDFC Bank Credit Cards

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

Cashbacks on Amazon, BigBasket, Flipkart & more

International & Domestic Lounge Access

Fuel Surcharge Waiver

*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

New Launched Cards

Discover the latest addition to our range of credits: Crafted with all-new privileges, unparalleled rewards & experiences that are ready for you.

Pixel Play Credit Card

The Born Digital Range of Credit Cards

  • 5% CashBack on choice of any 2 Packs
    - Dining & Entertainment Category - BookMyShow & Zomato
    - Travel Category - MakeMyTrip & Uber
    - Grocery Category - Blinkit & Reliance Smart Bazaar
    - Electronics Category - Croma & Reliance Digital
    - Fashion Category - Nykaa & Myntra
  • 3% CashBack on choice of any one e-commerce merchant
    - Amazon or Flipkart or PayZapp
  • 1% Unlimited CashBack on all spends*
  • Customize your card reflecting your lifestyle by choosing a card design and a billing cycle that suits you
  • Apply & Control your Pixel Credit Card on PayZapp

Pixel Go Credit Card

The Born Digital Range of Credit Cards 

  • Seamless Digital Onboarding
  • 1% unlimited cashback on all eligible transactions
  • Exclusive dining offers, Upto 25% discount on partner restaurants via Swiggy Dineout
  • Shop Now and Pay in Parts with flexible low cost EMIs
  • Apply & Control your Pixel Credit Card on PayZapp

Diners Club Black Metal Edition Credit Card

Global Belonging, Ready For You.

  • Metal Card
  • Unlimited Airport Lounge Access
  • 6 Complimentary Golf games every quarter across the finest courses in the world
  • Complimentary Annual memberships of Club Marriott, Amazon Prime, Swiggy One as Welcome Benefit
  • 10,000 Bonus Reward Points on spends of ₹ 4 lakh every calendar quarter

Marriott Bonvoy HDFC Bank Credit Card

UNMATCHED LUXURY. READY FOR YOU.

  • 1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of 15,000 Marriott Bonvoy Points)
  • Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
  • Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*
  • Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
  • Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other appliacble purchases*

Swiggy HDFC Bank Credit Card

Delightful Rewards. Ready For You

  • 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
  • 5% Cashback on online spends across top brands. For list of eligible MCC
  • 1% Cashback on other categories. For list of exclusions & capping
  • 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!

Regalia Gold Credit Card

Experience the Golden Side Of Life

  • Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
  • ₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
  • ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
  • 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!

HDFC Bank UPI RuPay Credit Card

Welcome to the new world of ‘Credit + Convenience’ with HDFC Bank UPI RuPay Credit Card, enabled for UPI payments

  • 3% Cashpoints on Groceries, SuperMarket & Dining spends & all PayZapp transactions. (Maximum of 500 Points can be earned in a calendar month)
  • 2% Cashpoints on Utility spends (Maximum of 500 Points can be earned in a calendar month)
  • 1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel & Government categories) (Maximum of 500 Points can be earned in a calendar month)

Essentials

Rejoice every big and small, online and offline transaction you make with CashBacks & more that are ready for you.

                    

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
Apply Now                          Know more

Millennia Credit Card

Inspired Living. Ready For You.

  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
  • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
  • 8 Complimentary Domestic Airport Lounge access annually

Freedom Credit Card

The Best Card for Your Everyday Spends & Big Purchases

  • Earn 10X CashPoints on your favourite merchants ( Big Basket, BookMyshow, OYO, Swiggy & Uber )
  • Earn 5X CashPoints on EMI spends at merchant locations
  • Earn 1 CashPoint per every Rs.150 on other spends ( Excluding fuel, Wallets loads )
  • Interest Rate of just 0.99% for first 90 days on retail/non-EMI spends

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

Luxury

Step into a exclusive world of hand-picked, premium indulgences, best-in-class rewards program and global experiences that are ready for you

Diners Club Black Metal Edition Credit Card

Global Belonging, Ready For You.

  • Metal Card
  • Unlimited Airport Lounge Access
  • 6 Complimentary Golf games every quarter across the finest courses in the world
  • Complimentary Annual memberships of Club Marriott, Amazon Prime, Swiggy One as Welcome Benefit
  • 10,000 Bonus Reward Points on spends of ₹ 4 lakh every calendar quarter

INFINIA Metal Edition

By Invite only

  • Complimentary Club Marriott membership for first year
  • Complimentary nights & weekend buffet at participating ITC hotels
  • 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

Co Branded

Explore our range of partner-credit cards, in association with some of your favourite lifestyle brands and benefits, ready for you.

Marriott Bonvoy HDFC Bank Credit Card

UNMATCHED LUXURY. READY FOR YOU.

  • 1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of 15,000 Marriott Bonvoy Points)
  • Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
  • Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*
  • Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
  • Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other appliacble purchases*

Tata Neu Infinity HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.

  • 5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
  • Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
  • 1.5% back as NeuCoins on other spends
  • 1 NeuCoin = ₹1, redeemable on Tata Neu App
  • 8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access

Tata Neu Plus HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.

  • 2% back as NeuCoins on Tata Neu and partner Tata Brand Spends
  • Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
  • 1% back as NeuCoins on other spends
  • 1 NeuCoin = ₹1, redeemable on Tata Neu App
  • 4 Complimentary Domestic Airport Lounge Access

IRCTC HDFC Bank Credit Card

There's a train ride in every swipe

  • 5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
  • 1 Reward Point for every INR 100 spent on all other spends*.
  • Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
  • 8 complimentary access to select IRCTC Executive Lounge every year (2 per quarter)
  • Gift voucher worth INR 500 on quarterly spends of INR 30,000.

Shoppers Stop HDFC Bank Credit Card

Rewarding Style. Ready for You

  • Life Time free card
  • Welcome Voucher worth ₹500
  • Earn 6 Shoppers Shop Points on Shoppers Stop private label brands
  • Earn 2 Shoppers Shop Points on all other Shoppers Stop brands & other category spends
  • Earn additional 2,000 Shoppers Shop Points annually

Shoppers Stop Black HDFC Bank Credit Card

Rewarding Style. Ready for You

  • Welcome Voucher worth ₹1,500
  • Complimentary First Citizen BLACK membership
  • Earn 20 Shoppers Shop Points on Shoppers Stop Private label brands
  • Earn 15 Shoppers Shop Points on all other Shoppers Stop brands
  • Earn 15 Shoppers Shop Points on all other Shoppers Stop brands
  • Earn 5 Shoppers Shop Points on all other spends

Paytm HDFC Bank Credit Card

Unlimited Cashback. Every Time.

  • Upto 3% Unlimited Cashback everytime
  • Paytm First Membership - Upto 75k worth benefits
  • Earn upto Rs. 1200 Cashback annually
  • Upto 50 days of credit free period

Paytm HDFC Bank Select Credit Card

Unlimited Cashback. Every Time.

  • Upto 5% Unlimited Cashback everytime
  • Paytm First Membership - Upto 75k worth benefits
  • 8 Complimentary Airport Lounge Access
  • Gift Vouchers worth Rs.500 every Calendar Quarter

Paytm HDFC Bank Mobile Credit Card

Your Mobile is Your Credit Card

  • Upto 3% Unlimited Cashback everytime
  • Upgrade to Paytm HDFC Bank Credit Card in 3 months
  • Customize your card the way you like
  • Instant issuance/ virtual credit card

HDFC Bank Times Card Credit Platinum

Great Times. Ready For You.

  • Complimentary Times Prime Annual Membership worth Rs 999
  • Up to 20% discount offers on travel & shopping on www.hdfcbank.timescard.com
  • 50 % discount on Movies on Book My show
  • 3 Reward points for every Rs.150 spent on the card
  • 10 Reward points per Rs 150 on weekday Dining

HDFC Bank Times Card Credit

Great Times. Ready For You

  • Complimentary Times Prime Annual Membership worth Rs. 999
  • Up to 20% discount offers on travel and shopping on www.hdfcbank.timescard.com
  • 25 % discount on Movies on Book My show
  • 2 Reward points for every Rs.150 spent on the card
  • 5 Reward points per Rs 150 on weekday Dining

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

Lifestyle

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

Regalia Gold Credit Card

Experience the Golden Side Of Life

  • Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
  • ₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
  • ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
  • 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!

Millennia Credit Card

The Best CashBack Credit Card

  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
  • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
  • 8 Complimentary Domestic Airport Lounge access annually

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

Diners Club Privilege Credit Card

Global Belonging. Ready For You.

    • 'Buy 1 Get 1 Free' on all tickets via BookMyShow
    • 5X Reward Points on Swiggy and Zomato
    • Complimentary Annual Memberships of Swiggy One and Times Prime as Welcome Benefit
    • ₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of Rs. 1.5 lakh
    • 8 Complimentary airport lounge access worldwide
    • 4 Reward Points for every ₹ 150 spent

Travel

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

Regalia Gold Credit Card

Experience the Golden Side Of Life

  • Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
  • ₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
  • ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
  • 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!

IRCTC HDFC Bank Credit Card

There's a train ride in every swipe

  • 5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
  • 1 Reward Point for every INR 100 spent on all other spends*.
  • Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
  • 8 complimentary access to select IRCTC Executive Lounge every year (2 per quarter)
  • Gift voucher worth INR 500 on quarterly spends of INR 30,000.

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

Shopping

Unlock a new level of retail therapy with fantanstic benefits that are ready for you

Tata Neu Infinity HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.

  • 5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
  • Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
  • 1.5% back as NeuCoins on other spends
  • 1 NeuCoin = ₹1, redeemable on Tata Neu App
  • 8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access

Tata Neu Plus HDFC Bank Credit Card

Extraordinary Rewards. Ready for You.

  • 2% back as NeuCoins on Tata Neu and partner Tata Brand Spends
  • Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
  • 1% back as NeuCoins on other spends
  • 1 NeuCoin = ₹1, redeemable on Tata Neu App
  • 4 Complimentary Domestic Airport Lounge Access

Shoppers Stop HDFC Bank Credit Card

Rewarding Style. Ready for You

  • Life Time free card
  • Welcome Voucher worth ₹500
  • Earn 6 Shoppers Shop Points on Shoppers Stop private label brands
  • Earn 2 Shoppers Shop Points on all other Shoppers Stop brands & other category spends
  • Earn additional 2,000 Shoppers Shop Points annually

Shoppers Stop Black HDFC Bank Credit Card

Rewarding Style. Ready for You

  • Welcome Voucher worth ₹1,500
  • Complimentary First Citizen BLACK membership
  • Earn 20 Shoppers Shop Points on Shoppers Stop Private label brands
  • Earn 15 Shoppers Shop Points on all other Shoppers Stop brands
  • Earn 15 Shoppers Shop Points on all other Shoppers Stop brands
  • Earn 5 Shoppers Shop Points on all other spends

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

Others

Access convenience, security, and rewards at your fingertips. Empower yourself with our versatile credit cards that are ready for you

Diners Club Black Credit Card

Global Belonging. Ready For You.

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK and Times Prime
  • Complimentary Ola | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
  • 5 Reward Points for every Rs 150 spent
  • Upto 10X Reward Points via SmartBuy
  • Complimentary Golf games across the finest courses in the world
  • Unlimited Complimentary Airport Lounge Access

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

Freedom Credit Card

Features valid till 31st Oct 2021, for Freedom Credit Cards which were issued on or before 30th Sep 2021

  • 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

Bharat Credit Card

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

Diners Club Premium Credit Card

  • Upto 6 Complimentary access to 1000+ Lounges Worldwide in a year
  • Book a concierge for your travel needs. Simply call : 1800 209 4006
  • Earn 4 Reward Points for every Rs. 150/- retail spends
  • Upto 5% cashback via SmartBuy

Diners Club Rewardz Credit Card

  • Earn 3 Reward Points for every Rs. 150/- retail spends
  • Upto 5% cashback via SmartBuy
  • Book a concierge for your travel needs. Simply call : 1800 209 4006

Doctor's Regalia Credit Card

  • Complimentary Airport Lounge Access through Priority Pass Membership
  • Professional Indemnity Insurance Cover of up to ₹ 20 Lakhs
  • Earn Bonus 15,000 Reward Points on spends of ₹ 8 lakhs in a year

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

MoneyBack Credit Card

  • Two reward points for every ₹ 150 spent; 2x reward points for shopping online
  • png Reward points redemption as cashback against credit card dues, exclusive gifts, or air miles
  • Savings up to ₹ 250 every billing cycle with a 100% fuel surcharge waiver

Millennia Credit Card

Features valid till 31st Oct 2021, for Millennia Credit Cards which were issued on or before 30th Sep 2021

  • 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

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 1000+ lounges worldwide annually
  • Redeem Reward Points for bookings across 150+ airlines and a wide range of hotels
  • Get air accident cover of ₹1 crore

Regalia Credit Card

Luxurious Indulgences. Ready For You.

  • 4 Reward Points for every ₹ 150 spent
  • Earn Bonus 15,000 Reward Points on spends of Rs 8 Lakhs in an anniversary year
  • 12 complimentary domestic lounge access
  • 6 complimentary international lounge access using Priority Pass

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*

Diners Club Privilege Credit Card

Global Belonging. Ready for You

  • Complimentary Annual memberships of Amazon Prime, Swiggy One, MMT BLACK,
  • Complimentary Ola | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 40,000 every month
  • 4 Reward Points for every Rs 150 spent
  • Upto 10X RP on spends via SmartBuy
  • Complimentary Golf games across the finest courses in the world
  • 12 complimentary Airport Lounge Access worldwide

HDFC Bank Credit Card Features

New Card Holder Advantages

Get exclusive benefits when you sign up for a Credit Card with HDFC Bank. Plus, you can enjoy additional rewards on annual spends above certain specific limit.

SmartEMI

Turn your Credit Card purchases of ₹2,500 or above into easy Equated Monthly Instalments (EMIs). With SmartEMIs, you can enjoy flexible repayment options with competitive interest rates for both online and in-store Credit Card purchases.

Contactless Payments

Make instant payments with complete security using our Credit Cards with contactless payment features. Just give a quick tap on the POS machine to make swift and hassle-free transactions at stores. Activate contactless payments through MyCards.

Foreign Currency Markup

Our competitive foreign currency markup on selected HDFC Bank Credit Cards allows more savings when you shop while abroad.

Insurance Coverage

Get complimentary insurance coverage with select HDFC Bank Credit Cards. You can avail of coverage worth of several lakhs for air accidents and emergency hospitalisation.

Revolving Credit Facility

Take advantage of revolving credit facilities at affordable interest rates with HDFC Bank Credit Cards. Review the Most Important Terms and Conditions (MITC) for more details.

Airport Lounge Access

Enjoy free access to airport lounges at both domestic and international airports with select HDFC Bank Credit Cards.

No Lost Card Liability

Contact our all-round support centre to report if your card gets lost or stolen. We provide liability waivers on fraudulent transactions when you report promptly.

Make UPI Payments

Your RuPay Credit Card is enabled for UPI payments. All you have to do is link your RuPay Credit Card on a UPI-enabled app like PayZapp, generate a PIN and start making payments.

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

Your Credit Card Statement –

HDFC Bank generates a Credit Card statement every month that lists all your transactions. It includes the credit limit you have spent, the due date for payments, and the total outstanding balance. This statement is generated as per your billing cycle. The Bank will send you this statement to your registered email address.

Cash Withdrawals with Your Credit Card –

You can use the Cash Advance service to withdraw cash from ATMs using your Credit Card. The amount you can withdraw depends on your card type and the predetermined cash advance limit. When you withdraw cash using your Credit Card, the bank will levy interest on the withdrawn amount along with other applicable charges.

Fees & Charges –

HDFC Bank applies specific fees on your Credit Card use, depending on the type of card you have. These fees include annual maintenance charges and other charges which are levied on different conditions. It also includes fees for cash advances, foreign currency conversion fees, late payment charges, interest on unpaid balances, fees for going over your credit limit, and applicable Goods and Services Tax (GST) charges.

Reward Points –

Your Credit Card transactions, both online and offline, can help you earn rewards, cashback and other offers. You can redeem the accumulated points for brand vouchers, airmiles, statement credit, etc. Ensure you use your reward points before they expire.

Bill Payment –

Upon Credit Card bill generation, the card issuer provides a grace period of up to 20 days for bill payment. To steer clear of late payment charges, ensure you pay at least the minimum amount due before the due date. While you can make partial payments, note that the remaining outstanding balance will accumulate interest and be subject to applicable taxes. ​​​

Credit Card – Dos And Don’ts

You can conduct various offline and online Credit Card transactions. Consider these Credit Card usage etiquettes to enjoy uninterrupted benefits with your HDFC Bank Credit Card.

What To Do: –

Explore Your Options –

Consider the diverse range of Credit Cards offered by HDFC Bank, designed to meet distinct needs. Whether you're in search of a shopping-oriented Credit Card or one that rewards your airline expenditures, our bouquet of offerings has something for everyone. Assess your eligibility and select the Credit Card that aligns with your preferences.

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.

Monitor your Expenses –

Stay on top of your Credit Card expenses regularly to thwart potential fraudulent transactions. Opt for SMS and email alerts after each Credit Card transaction to keep a real-time tab on your spends. In the case of suspicious activity, notify the bank and take immediate action to block your card.

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.

Exercise Caution While Sharing Card Details –

​​​​​​​Refrain from responding to any correspondence requesting your card number, expiry date, or other personal data. Although you may need to provide certain details when calling our customer care, note that HDFC Bank or our representatives will never solicit your Credit Card PIN, CVV, or OTPs.

Credit Card – Frequently Asked Questions

What is a Credit Card?

A Credit Card is a payment tool that allows you to make purchases and pay for them later. It comes with a predetermined credit limit that you can use to make online or in-store purchases. You will receive a monthly statement detailing your spends, and you can choose to pay the full balance or a portion of it, with interest applied to the remaining balance if not paid in full.

What purpose does a Credit Card serve?

A Credit Card serves as a financial tool that lets you make purchases on credit, allowing you to settle the payment at a later date. This way, you can obtain products and services instantly without the need to defer expenses due to a shortage of cash or limited funds in your Bank Account.

How does a Credit Card Work?

When you use a Credit Card for a transaction, the bank pays the merchants or retailers on your behalf. After that, you have to repay the amount to the bank. Each month, you receive a statement detailing your charges, and you have the option to pay the full balance or a minimum payment on or before the Credit Card due date.

How to apply for a Credit Card?

Here is how you can apply for a new HDFC Bank Credit:
Apply for a Credit Card online through HDFC Bank's website by following these steps:

  • Visit the Credit Card page on our website.
  • Check your eligibility through our online eligibility calculator.
  • Get right recommendation of HDFC Bank Credit Card for you.
  • Provide your address and employment details for review.
  • Authorise the application using Net Banking or your Debit Card.

We will review your application internally. Upon successful approval, we will issue you a new Credit Card. Visit your nearest HDFC Bank branch:

  • Apply for a Credit Card using a physical form.
  • Provide the necessary details and get your Credit Card delivered to your doorsteps.

How to check the eligibility for an HDFC Bank Credit Card?

You can easily check your eligibility by visiting the HDFC Bank Credit Card page on the website. Enter your Mobile Number and Date of Birth, and we will let you know if you are eligible to get an HDFC Bank Credit Card.

What are the documents required while applying for a Credit Card?

Documents Required For Existing HDFC Bank Customers:

  • As an existing HDFC Bank customer, your latest mailing address is already updated in our records. Therefore, there is no requirement for additional address documents when applying for an HDFC Bank Credit Card. However, we do require your income documents. If address proof is necessary, we will notify you accordingly. Acceptable income proof documents include your salary slip or income tax return for the last three years.
  • Should you need to update your latest mailing address, you must provide your recent address proof and income proof.
    • Acceptable address proof documents: Aadhaar card, valid Passport, Voter ID or valid Driver’s License.
    • Acceptable income proof documents: Salary slip or income tax return for the past three years.

Documents Required For New HDFC Bank Customers:
For new customers, we require your address, income, and identity proof, as outlined in the application process.

I 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, provided the existing Credit Card is from another card-issuer or card-issuing bank. Also, other prerequisites include a good credit score, adequate monthly income and stable employment. Note that if you already have an HDFC Bank Credit Card, we cannot issue another HDFC Bank Credit Card.

How can I track and control my Credit Card spending?

Visit the HDFC Bank MyCards portal to effortlessly monitor and manage your Credit Card expenses.

How can I track and control my Credit Card spends?

You can monitor and control your Credit Card spends through HDFC Bank’s MyCards, NetBanking, Mobile Banking and PayZapp. Under Credit Card settings, you can set transaction limits on various spends categories. Additionally, you can enable or disable international or contactless payments. You can also enable/disable or set limits on cash advances.

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

Your Credit Card may come with certain payable charges irrespective of whether you use your Card or not. For instance, the card issuer typically levies an annual/renewal fee every year. However, if you meet certain conditions, the card issuer may waive these charges. In the case of HDFC Bank Credit Cards, you can check the conditions here.

In what ways can I utilise my Credit Card reward points?

Once you have accumulated adequate reward points, you can redeem them for a multitude of products and services. As an HDFC Bank Credit Cardholder, you can use the NetBanking platform to redeem these products and services through the rewards catalogue. You can obtain gift vouchers, flight tickets, hotel bookings, etc.

What are the rules associated with interest payments on purchases made using a Credit Card?

You don't have to pay interest on all Credit Card purchases. However, if you do not repay the total outstanding amount on or before the specified due date, the unpaid dues, along with any additional transactions, will begin to attract interest till the balance amount is repaid in full. Also, interest will be applicable on Credit Card cash withdrawals. In this case, interest will apply from the instance you withdraw the cash until the withdrawal amount is repaid in full.

What does a late payment fee on Credit Cards mean?

When a Credit Card bill is generated, you must pay either the entire bill amount or the minimum amount due on or before the specified due date. If you fail to do so, the card issuer will levy a late payment fee conveyed to you in the Fees & Charges section of your Credit Card agreement.

Tools & Calculators

How to Choose the Best Credit Card?