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
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.
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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.
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.
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.
Our competitive foreign currency markup on selected HDFC Bank Credit Cards allows more savings when you shop while abroad.
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.
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.
Enjoy free access to airport lounges at both domestic and international airports with select HDFC Bank Credit Cards.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Usage of the HDFC Bank International Credit Card(s) shall be strictly in accordance with exchange control regulations, law of the land or of the Regulatory authorities as applicable from time to time.
Do not use the card for transactions involving Forex trading, lottery, betting, gambling, dating, Bitcoins, Virtual currency & any other prohibited transactions as directed in Foreign Exchange Management Act, 1999.
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.
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.
The bank has launched the PIXEL PLAY and PIXEL GO Credit Card by HDFC Bank. The All-Digital Credit Cards available on PayZapp. The bank has also launched the HDFC Bank UPI RuPay Credit Card, a virtual RuPay Credit Card you can apply via PayZapp and MyCards.
You can apply for the Credit Card online via the app, and if approved, you can start using the Card instantly. With the PIXEL PLAY Credit Card by HDFC Bank, you can customise the card color, the offers and the billing date.
Explained below are a few types of Credit Card fees you ought to know:
This is the fee that the issuer charges annually to you. The fee can vary across.
This is applicable when you withdraw cash from an ATM using a Credit Card.
These are payable at the monthly percentage rate on all transactions if you don’t pay your Credit Card bill in full.
A late payment fee is applicable if you fail to pay your Credit Card bill by the due date.
A transaction fee will be applicable if you use you use your card for international transactions.
When you transfer balance from one Credit Card to another, you will incur a transfer fee.
You can avail of a wide range of Credit Cards in India, including:
Keep these things in mind when it comes to using a Credit Card effectively:
Selecting the right Credit Card involves evaluating your spending habits, financial goals and the features offered by different cards. Consider the following factors when you apply for 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.
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.
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.
Here is how you can apply for a new HDFC Bank Credit:
1. Apply for a Credit Card online through HDFC Bank's website by following these steps:
We will review your application internally. Upon successful approval, we will issue you a new Credit Card.
2. Visit your nearest HDFC Bank branch:
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.
Documents Required For Existing HDFC Bank Customers:
a. 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.
b. 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.
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.
Visit the HDFC Bank MyCards portal to effortlessly monitor and manage your Credit Card expenses.
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.
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.
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.
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.
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.