HDFC Bank is India’s largest private sector bank in terms of assets and market capitalisation. Based in Mumbai, Housing Development Finance Corporation (HDFC) has established itself as one of the most popular and trusted credit card issuers in the country, boasting over 20 million active credit cards as of January 2024.
HDFC Bank offers a wide range of credit cards, including rewards, cashback, shopping, and travel cards, catering to various individual needs and spending behaviors.
This diverse selection ensures that everyone can find a card that suits their requirements, contributing to HDFC Credit Cards’ popularity. Currently, the bank offers around 35 different credit cards, including business options, which help customers save on their spending. HDFC Credit Cards are also renowned for providing excellent deals and discounts in collaboration with popular brands like Apple.
Table of Contents
- Top 10 Best HDFC Bank Credit Cards List
- 1. HDFC Bank Millennia Credit Card
- 2. Swiggy HDFC Bank Credit Card
- 3. HDFC Bank Regalia Gold Credit Card
- 4. Tata Neu Infinity HDFC Bank Credit Card
- 5. Tata Neu Plus HDFC Bank Credit Card
- 6. HDFC Bank RuPay IRCTC Credit Card
- 7. Shoppers Stop HDFC Bank Credit Card
- 8. HDFC Bank MoneyBack Plus Credit Card
- 9. Marriott Bonvoy HDFC Bank Credit Card
- 10. HDFC Bank Diners Club Black Metal Edition Credit Card
- 11. HDFC MoneyBack Credit Card
- 12. HDFC Freedom Credit Card
- 13. HDFC Diners Club Privilege Credit Card
- 14. HDFC Pixel Play Credit Card
- 14. HDFC Regalia Credit Card
- 14. HDFC Bharat Credit Card
- HDFC Bank Credit Card Features and Benefits
- HDFC Bank Credit Card Rewards and Cashback
- How To Earn and Redeem HDFC Bank Credit Card Reward Points?
- HDFC Bank Credit Card Eligibility Criteria
- HDFC Bank Credit Card Annual Fees and Charges
- Other Fees & Charges
- How To Activate HDFC Bank Credit Cards?
- 3. Activation by Setting Credit Card PIN:
- 4. Activation through OTP Confirmation:
- 5. Activation through SmartPay Registration:
Top 10 Best HDFC Bank Credit Cards List
1. HDFC Bank Millennia Credit Card
The HDFC Bank Millennia Credit Card is perfect for millennials who love to shop and want to earn cashback on their purchases. This card provides 5% cashback on popular everyday brands, including Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato, with no minimum transaction value required to earn the cashback.
Joining Fee:
₹ 1,000 + GST
Best Suited For
Shopping and Dining
Renewal Fee:
₹ 1,000 + GST
Reward Type:
Reward Points
Welcome Benefits:
1,000 Cash Points as a Welcome Benefit
Key Features
- In the form of welcome benefits, the cardholders will receive 1,000 bonus CashPoints on the successful realization of the joining fee.
- Up to 20% discount at partner restaurants with Swiggy Dineout.
- On spends of Rs. 1 lakh or more each quarter, you shall be eligible to receive gift vouchers worth Rs. 1,000.
- The cardholders can also get 4 complimentary visits in a year to the domestic airport lounges with the HDFC Millennia Credit Card.
- 1% of the fuel surcharge is waived on a minimum payment of Rs. 400 at all petrol stations across India (the waiver amount is capped at a maximum of Rs. 250 per payment cycle).
- This credit card comes with an annual fee of Rs. 1,000, which is eligible for a waiver if the cardholder is able to spend an amount exceeding Rs. 1,00,000 in an anniversary year.
- You can get around 50 days of interest-free credit period on the credit card from the day of purchase. This depends on when the merchant submits the charge.
*Terms and Conditions apply.
2. Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card is tailored for food lovers who frequently order from Swiggy. It provides cashback on Swiggy orders and additional benefits, making dining and online food ordering more rewarding.
Joining Fee:
₹ 500 + GST
Best Suited For:
Dining
Renewal Fee:
₹ 500 + GST
Reward Type:
Reward Points
Welcome Benefits:
Complimentary 3-Month Swiggy One Membership
Key Features
- Get 10% cashback across the Swiggy application, including food orders, Instamart, Dineout, and Genie.
- Get 5% cashback on online spends made with the card across top brands like Nykaa, BookMyShow, Ola, Myntra, Amazon, Uber, Adidas, H&M, and more.
- With the credit card, you can get 1% cashback on your spending in other categories, with the maximum benefit capped at ₹500 per billing cycle.
- The cashback earned with this card used to be credited as Swiggy Money and could only be used on the Swiggy platform.
- Interest-free Credit Period – You can get an interest-free period of up to 50 days from the date of purchase on spends made with the Swiggy HDFC Bank credit card.
*Terms and Conditions apply.
3. HDFC Bank Regalia Gold Credit Card
The HDFC Bank Regalia Gold Credit Card is designed for frequent shoppers and travelers, offering premium rewards and exclusive benefits. With high reward points on purchases and complimentary memberships, this card is a valuable companion for those who enjoy luxurious experiences.
Joining Fee:
₹ 2,500 + GST
Best Suited For:
Shopping
Renewal Fee:
₹ 2,500 + GST
Reward Type:
Reward Points
Welcome Benefits:
Complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 lakh within 90 days of card issuance
Key Features
- 1 complimentary class upgrade voucher
- Added check-in baggage allowance both inside and outside the country
- 10% extra discount on selected hotels
- You get complimentary flight tickets and gift vouchers for achieving annual and quarterly spend-based milestones.
- Get 12 complimentary domestic lounge access at Indian airports every year for both international and domestic terminals.
- Get 6 complimentary international lounge access every year through the Priority Pass for both the primary and add-on cardholders.
- You can get the card renewal fee waived on spending Rs. 4 Lakhs in the card anniversary year.
*Terms and Conditions apply.
4. Tata Neu Infinity HDFC Bank Credit Card
The Tata Neu Infinity HDFC Bank Credit Card is ideal for frequent shoppers, especially those who enjoy the Tata Neu ecosystem. It offers reward points and benefits that enhance the shopping experience across Tata Neu’s platforms.
Joining Fee:
₹ 1,499 + GST
Best Suited For:
Shopping
Renewal Fee:
₹ 1,499 + GST
Reward Type:
Reward Points
Welcome Benefits:
1,499 NeuCoins on Tata Neu App
Key Features
- The cardholders get 1,499 bonus Neu Coins as a welcome benefit, which is equivalent to the joining fee of this card.
- 8 complimentary domestic lounge access every year (capped at 2 visits per quarter) with both Visa and RuPay variants of the cards.
- Get an insurance cover worth Rs. 1 Crore against accidental air death.
- The renewal fee of Rs. 1,499 is waived off if the cardholder achieves an annual spend of Rs. 3 lakhs or more in the previous anniversary year.
- With the Tata Neu Infinity Card, you get a 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5,000. The maximum waiver is capped at Rs. 500 per statement cycle.
*Terms and Conditions apply.
5. Tata Neu Plus HDFC Bank Credit Card
The Tata Neu Plus HDFC Bank Credit Card caters to shoppers who frequently use the Tata Neu app. It provides reward points and other benefits, making shopping more rewarding and enjoyable.
Tata Neu Plus HDFC Bank Credit Card
Joining Fee:
₹ 499 + GST
Best Suited For:
Shopping
Renewal Fee:
₹ 499 + GST
Reward Type:
Reward Points
Welcome Benefits:
499 NeuCoins
Key Features
- Credit cardholders will get 499 NeuCoins on the Tata Neu Application only when they perform a successful transaction using their credit card within the first 30 days of the card issuance date.
- With this credit card, the cardholders will get 4 complimentary visits to the domestic airport lounges.
- The cardholders will receive a 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India. The surcharge amount is capped at Rs. 250 per statement cycle.
- The renewal fee of the Tata Neu Plus HDFC Bank Credit Card will be waived if the credit cardholder spends an amount of Rs. 1 Lakh or more using his credit card in an anniversary year.
- 7% NeuCoins on the Tata Neu app/website (including 5% coins that you earn on activating the NeuPass)
*Terms and Conditions apply.
6. HDFC Bank RuPay IRCTC Credit Card
The HDFC Bank RuPay IRCTC Credit Card is perfect for travelers who frequently use Indian Railways. It offers reward points on travel bookings and additional benefits, making train travel more economical and rewarding.
Joining Fee:
₹ 500 + GST
Best Suited:
Travel
Renewal Fee:
₹ 500 + GST
Reward Type:
Reward Points
Welcome Benefits:
Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.
Key Features
- The card offers you an Amazon voucher worth Rs. 500 if you activate your card and make the first transaction within the first 30 days of the card issuance.
- With the HDFC Bank IRCTC Credit Card, you get 2 complimentary railway lounge access (IRCTC Executive Lounge) every quarter (8 every year).
- Generally, there are some transaction charges applicable to railway bookings using credit cards. But, with this credit card, you get a transaction charges waiver for transactions between Rs. 400 and Rs. 5,000.
- You get a 1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000. The waiver is capped at Rs. 250 per billing cycle, i.e. you get can a maximum waiver of Rs. 250 in a billing cycle.
- The renewal fee of Rs. 500 is waived if the cardholder spends Rs. 1,50,000 or more in the previous anniversary year.
- You shall receive gift vouchers worth ₹500 on spends of ₹30,000 or more every 90 days.
*Terms and Conditions apply.
7. Shoppers Stop HDFC Bank Credit Card
The Shoppers Stop HDFC Bank Credit Card is tailored for avid shoppers who frequent Shoppers Stop stores. It offers reward points and exclusive shopping benefits, enhancing the overall shopping experience.
Joining Fee:
₹ 299 + GST
Best Suited:
Shopping
Renewal Fee:
₹ 299 + GST
Reward Type:
Reward Points
Welcome Benefits:
A voucher worth Rs. 500 as a welcome gift, redeemable on a minimum spend of Rs. 3,000 at Shoppers Stop stores.
Key Features
- Cardholders get a voucher worth Rs. 500 as a welcome benefit, which can be redeemed on any bill value at Shoppers Stop.
- Earn ₹500 per month for a minimum purchase of ₹15,000 on Shoppers Stop over the weekend.
- Enjoy complimentary Shoppers Stop Membership
- Bank Reward Points redemption value will be ₹1 when availed against the Shoppers Stop voucher.
*Terms and Conditions apply.
8. HDFC Bank MoneyBack Plus Credit Card
The HDFC Bank MoneyBack Plus Credit Card is designed for individuals who want to earn cashback on their everyday spending. It offers reward points that can be redeemed for cashback, making it a practical choice for regular use.
Joining Fee:
₹ 500 + GST
Best Suited:
Shopping
Renewal Fee:
₹ 500 + GST
Reward Type:
Reward Points
Welcome Benefits:
500 CashPoints
Key Features
- You get 500 Cash points on joining the card as a welcome benefit.
- Earn a gift voucher which is worth Rs. 500 on the expenditure of Rs. 50,000 or more in a quarter. This means that, you can gift vouchers worth Rs. 2,000 in a year.
- You get a discount of up to 15% on dining across more than 2,000 premium restaurants on paying through your MoneyBack Plus Credit Card.
- Get a 1% waiver on the fuel surcharge for fuel purchases when you pay using your HDFC MoneyBack+ Credit Card. The maximum waiver that can be claimed is capped at Rs. 250 per billing cycle.
- On spending Rs. 50,000 or more in the last year, get a waiver on the renewal fee of Rs. 500 for HDFC MoneyBack+ Credit Card.
*Terms and Conditions apply.
9. Marriott Bonvoy HDFC Bank Credit Card
The Marriott Bonvoy HDFC Bank Credit Card is perfect for travelers who frequently stay at Marriott properties. It offers reward points and exclusive travel benefits, including free night awards and membership perks.
Marriott Bonvoy HDFC Bank Credit Card
Joining Fee:
₹ 3,000 + GST
Best Suited:
Travel
Renewal Fee:
₹ 3,000 + GST
Reward Type:
Reward Points
Welcome Benefits:
1 Free Night Award valid for 1 year at hotels participating in the Marriott Bonvoy program
Key Features
- The cardholders get a complimentary Marriott Bonvoy Silver Elite status with a fast track to a Gold Elite status upgrade. You also get 10 Elite Night credits per year.
- You can earn up to 3 additional Free Night Awards on reaching the target spend milestone, in addition to the one you get as a welcome benefit.
- You can earn 8 reward points per Rs. 150 spent on retail at participating hotels in the Marriott Bonvoy program. The reward rate is accelerated up to a monthly spend threshold of Rs. 10 Lakhs, after which you get 2 reward points per Rs. 150 spent.
- The cardholder gets 12 complimentary domestic lounges at both international and domestic terminals and 12 international lounge access per year.
- You can enjoy 2 complimentary golf course access and 2 golf lessons at top golf courses around the world per quarter.
*Terms and Conditions apply.
10. HDFC Bank Diners Club Black Metal Edition Credit Card
The HDFC Bank Diners Club Black Metal Edition Credit Card is a premium card for luxury travelers. It offers high reward points, exclusive memberships, and travel benefits, making it ideal for those who enjoy a luxurious lifestyle.
HDFC Bank Diners Club Black Metal Edition Credit Card
Joining Fee:
₹ 10,000 + GST
Best Suited:
Travel
Renewal Fee:
₹ 10,000 + GST
Reward Type:
Reward Points
Welcome Benefits:
Complimentary Membership of Club Marriott, Swiggy One, and Amazon Prime (on spends of Rs. 1.5 lakh within 90 days of card issuance)
Key Features
- Get free and fast delivery with your Prime membership.
- Get up to 25% off food and beverages at participating hotels in India for a maximum of 20 guests.
- Receive 40% off on Swiggy Dineout.
- You can access many domestic lounges across airports in India at no additional cost. With the Diners Club Black Metal Credit Card, you shall receive free lounge access for primary and add-on card holders.
- Receive unlimited international lounge access worldwide across many popular airports. This is valid for primary and add-on card Diners Club Black Metal Credit Card holders.
- 6 complimentary golf games each quarter, i.e. 24 golf games in a year with the HDFC Diners Club Black Metal Credit Card.
*Terms and Conditions apply.
11. HDFC MoneyBack Credit Card
Looking to save big on your everyday purchases? The HDFC MoneyBack Credit Card is your perfect shopping partner. This card is designed for savvy spenders who love getting rewarded for their purchases, especially when shopping online. With a fantastic cashback program, you can earn as you spend, making every transaction a smart way to save.
Joining Fee:
Free
Best Suited:
Shopping & Food
Renewal Fee:
Free
Reward Type:
Reward Points
Welcome Benefits:
N/A
Key Features
- No Joining or Renewal Fee: Enjoy the card with zero initial or annual cost.
- Reward Points: Earn 2 points per ₹150 spent and 4 points per ₹150 on online transactions.
- Cashback Conversion: Convert reward points to cashback; 100 points = ₹20.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400-₹5,000.
- Zero Liability on Lost Card: Report loss and avoid liability for fraudulent transactions.
- Interest-Free Credit: Up to 50 days of interest-free credit on purchases.
- Contactless Payments: Fast, secure transactions without swiping the card.Annual Fee Waiver: Spend ₹50,000 annually to waive the ₹500 fee.
- EMV Chip Technology: Enhanced security against fraud with EMV chip.
- Complimentary Insurance: Accidental death insurance up to ₹50 lakh and credit shield up to ₹5 lakh.
*Terms and Conditions apply.
12. HDFC Freedom Credit Card
The HDFC Freedom Credit Card came out in 2021 and became popular with folks who like Dining Out, watching movies, or traveling using taxis or ride-shares. It gives you great rewards for stuff you do every day.
Joining Fee:
₹ 500 + GST
Best Suited:
Shopping & Food
Renewal Fee:
₹ 500 + GST
Reward Type:
Reward Points
Welcome Benefits:
500 reward points on the first transaction & Up to ₹1,000 cashback in discount vouchers
Key Features
- Fees: Joining fee of ₹590 and annual renewal fee of ₹590.
- Interest Rate: 3.49% per month (41.88% per annum).
- Cash Advance Fee: 2.5% of the transaction amount (minimum ₹500).
- Late Payment Charges: ₹100 to ₹1,100 depending on the due amount.
- Overlimit Fee: 2.5% of the over-limit amount (minimum ₹500).
- Foreign Currency Markup: 3.5% of transaction value.
- Reward Points: Earn 1 Star point for every ₹150 spent.
- Dining Rewards: Earn 10 times reward points on dining expenses on weekends.
- Cashbacks: 5% cashback on grocery purchases, 5% on fuel purchases, and 1% on other transactions.
- Additional Benefits: Discounts up to 15% at partner restaurants, bonus reward points on initial transactions, and eligibility for discount vouchers with spending.
*Terms and Conditions apply.
13. HDFC Diners Club Privilege Credit Card
Introducing the HDFC Diners Club Privilege Credit Card in India, designed for lifestyle-focused customers. This card, a collaboration between HDFC Bank and Diners Club International, offers rewards on everyday spending, enhanced benefits with brands like Swiggy and Zomato, and perks like airport lounge access and competitive foreign currency fees.
Joining Fee:
₹ 2,500 + GST
Best Suited:
Travelers | Dining enthusiasts
Renewal Fee:
₹ 2,500 + GST
Reward Type:
Reward Point
Welcome Benefits:
2,500 reward points, plus complimentary Priority Pass and Club Marriott memberships.
Key Features
- Interest Rate: 3.49% per month (41.88% annually) on outstanding dues.
- Cash Withdrawal Fee: 2.5% of the withdrawn amount or ₹500, whichever is higher.
- Late Payment Fee: Starts at ₹100, increasing with outstanding balance, up to ₹1,200.
- Foreign Currency Markup: 2% of transaction amount.
- Over-limit Fee: 2.5% of over-limit amount or ₹500, whichever is higher.
- Card Replacement Fee: ₹100 plus applicable taxes.
- Rewards Program: Earn 4 points for every ₹150 spent, redeemable for travel, shopping, and dining.
- Travel Perks: Complimentary access to 700+ airport lounges worldwide and Priority Pass membership.
- Dining Discounts: Up to 20% off at select restaurants.
- Insurance Coverage: Includes air accident cover up to ₹1 crore, medical emergency cover, and credit shield cover.
*Terms and Conditions apply.
14. HDFC Pixel Play Credit Card
If you love shopping and want to earn rewards for every purchase, the HDFC Pixel Play Credit Card is perfect for you. Let’s take a closer look at how this card can boost your shopping experience and give you more from every spend!
Joining Fee:
Rs. 500 + GST
Best Suited:
Shopping
Renewal Fee:
Rs. 500 + GST
Reward Type:
Cashback
Welcome Benefits:
Spend ₹20,000 in 90 days to get a waiver on the joining fee
Key Features
- No Extra Fees for Big Spending: Spend ₹1 lakh or more annually without extra charges.
- Free Rewards: Use rewards points without additional fees.
- Foreign Purchases Fee: Extra 3.5% fee on international transactions.
- High Interest Rates: 3.60% monthly interest or 43.20% annually for overdue payments.
- Fuel Discount: 1% discount on fuel charges, up to ₹250 monthly.
- Cash Advance Fee: Extra 2.5% fee for cash withdrawals.
- Joining Fee: ₹500 to acquire the card.
- 5% Cashback on Fun Categories: Cashback on fashion, entertainment, and dining.
- 5% Cashback on Smartbuy: Cashback on Smartbuy purchases.
- 1% Cashback on Other Purchases: Cashback on non-special category spending.
*Terms and Conditions apply.
14. HDFC Regalia Credit Card
The HDFC Regalia Credit Card is a perfect credit card for you if you are looking for a credit that provides a good amount of lifestyle and travel reward offers. Let us dive in deep into this credit card and see why you need the HDFC Regalia Credit Card.
HDFC Regalia Credit Card
Joining Fee:
Rs. 2,500 + GST
Best Suited:
Traveling and Shopping
Renewal Fee:
Rs. 2,500 + GST
Reward Type:
Reward Points
Welcome Benefits:
2,500 bonus Reward points.
Key Features
- Welcome gift: You get 2,500 Reward Points just for starting with the credit card.
- More points for shopping: For every Rs. 150 you spend on retail, you’ll earn 4 Reward Points. Pretty cool, right.
- Big bonus: If you spend Rs. 8 lakhs in one year, you can get 15,000 bonus Reward Points. That’s a lot of points.
- Eat and save: Enjoy up to 20% off when you eat at partner restaurants through Swiggy Dineout. Yum.
- Special airport access: Get a free Priority Pass membership with your credit card.
- Free lounge access: Enjoy 6 complimentary Lounge Access at airports outside India and 12 in India.
- Less fees when abroad: Pay lower fees of 2% on international transactions. That saves money.
- No renewal fee: If you spend over 3 lakhs in a year, your renewal fee gets waived off.
- Fuel surcharge waived: You can save on fuel too, with a 1% surcharge waiver, up to Rs. 500 each month.
- Travel insurance: Get travel insurance worth up to Rs. 1 crore in case of an air accident.
*Terms and Conditions apply.
14. HDFC Bharat Credit Card
The HDFC Bharat Credit Card is a credit card that provides cash back rewards and many other benefits to all its cardholders for making purchases on day-to-day items. So, if you are looking for a credit card with a good number of reward offers and benefits, this credit card can be a good deal for you obviously. Now, let us see all the features of this credit card.
HDFC Bharat Credit Card
Joining Fee:
Rs. 500 + GST
Best Suited:
Shopping
Renewal Fee:
Rs. 500 + GST
Reward Type:
Reward Points
Welcome Benefits:
This credit card does not provide any welcome rewards.
Key Features
- Category A cashback: You get 5% monthly cashback on things like fuel expenses, booking tickets on IRCTC, groceries, bill payments, and mobile recharges.
- Category B cashback: You also get 5% monthly cashback when you pay using PayZapp, EasyEMI, or SmartBUY.
- Cashback in points: The cashback you earn will be saved as reward points.
- Interest-free days: Enjoy up to 50 days without paying any interest when you use the credit card.
*Terms and Conditions apply.
HDFC Bank Credit Card Features and Benefits
HDFC Bank offers a variety of exciting benefits with its credit cards, going beyond just reward programs. Here are some key advantages of having an HDFC Bank Credit Card:
1. Welcome Benefits: Upon card activation, HDFC Credit Cards provide exciting welcome benefits such as complimentary memberships with premium partners, bonus reward points, gift vouchers, and more. These benefits are typically available after the joining fee is successfully paid.
2. Rewards/Cashback: Every time you use your HDFC Bank Credit Card, you earn rewards in the form of points, cashback, or Intermiles (with some exceptions). Certain cards offer accelerated rewards/cashback on specific categories like dining. These points can be redeemed for a wide range of options.
3. Milestone Benefits: Cardholders can enjoy milestone benefits similar to welcome benefits, including complimentary air tickets, bonus reward points/cashback, and gift vouchers. These are provided upon reaching specific spending targets.
4. Travel Benefits: Some HDFC travel credit cards offer perks like complimentary airport lounge access, and premium memberships with airlines and hotels. These cards are ideal for frequent travelers.
5. Movie & Dining Benefits: HDFC issues many credit cards with attractive movie and dining benefits. These may include complimentary or discounted movie tickets and memberships such as EazyDiner Prime and Swiggy One, catering to entertainment needs.
HDFC Bank Credit Card Rewards and Cashback
All major card issuers provide their cardholders with exciting rewards or cashback benefits to help them save on their purchases. HDFC Bank is no exception, offering various rewards across its credit card range. The reward rates vary, typically higher on premium cards and lower on basic ones.
| Infinia Credit Card | 5 Reward Points per Rs. 150 |
| Diners Club Black Credit Card | 5 Reward Points per Rs. 150 |
| Diners Club Black Metal Edition Credit Card | 5 Reward Points per Rs. 150 |
| Regalia Gold Credit Card | 4 Reward Points per Rs. 150 |
| Diners Club Privilege Credit Card | 4 Reward Points per Rs. 150 |
| Millennia Credit Card | 5% Cashback on Online and 1% Cashback on Offline Spends |
| MoneyBack Plus Credit Card | ➡ 10x Cash Points on Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy ➡ 5x Cash Points on EMI spends ➡ 2 Cash Points on every spend of Rs. 150 |
| HDFC Bank UPI RuPay Credit Card | 3% Cashpoints on Groceries, Dining, and Supermarket Spends 2% Cashpoints on Utility Spends |
| Paytm HDFC Select Credit Card | 5% Cashback on Paytm Mall/Movies/Mini Apps 2% on Other Spends on Paytm 1% on All Other Retail Spends |
| 6E Rewards XL – IndiGo Credit Card | ➡ 5% on Indigo ➡ 3% on Grocery, Dining, and Entertainment ➡ 2% on All Other Spends |
How To Earn and Redeem HDFC Bank Credit Card Reward Points?
With HDFC Bank Rewards Credit Cards, you can earn reward points on almost all your spends. Every cardholder can earn reward points, but not everyone knows how to maximize these rewards. Most credit cards offer accelerated rewards in one or two specific categories and regular points on all other spends. To save the most with your HDFC Credit Card, choose one that offers accelerated reward points in a category where you spend the most. Additionally, you can earn reward points not only through regular spending but also as welcome benefits or milestone benefits.
HDFC Bank makes it easy for customers to redeem reward points. You need a minimum of 500 Reward points to redeem. Here’s how to redeem your points:
- Step 1: Log in to your HDFC Bank credit card internet banking account.
- Step 2: Under the credit cards section, register your card if you haven’t done so.
- Step 3: On the left navigation bar, click on ‘Redeem Reward Points.’
- Step 4: Select your credit card and proceed.
- Step 5: Click on ‘Redeem Reward Points.’
- Step 6: Select the range of reward points you have and the category against which you want to redeem your points.
- Step 7: Add your items to the cart.
- Step 8: Check all the details and then click on ‘Redeem’ to confirm the redemption.
HDFC Bank Credit Card Eligibility Criteria
To obtain a specific HDFC credit card, applicants must meet certain eligibility criteria. Typically, a higher annual income is needed for premium credit cards compared to basic ones. Here are some basic eligibility requirements for getting an HDFC Bank Credit Card:
- The primary cardholder must be above 21 years of age, and supplementary cardholders must be above 18 years.
- The applicant should have a stable source of income.
- The applicant should maintain a decent credit score.
Documents Required
The bank requires KYC documents, including identity proof, address proof, and proof of income, to process your credit card application. Accepted documents include:
- ID Proof: PAN card, Aadhaar card, voter card, passport, driver’s license, etc.
- Address Proof: Aadhaar Card, passport, electricity/telephone bill, voter card, driving license, etc.
- Income Proof: Salary Slip or audited ITR.
HDFC Bank Credit Card Annual Fees and Charges
There are several fees and charges associated with credit cards. Most people focus on the annual fee when applying for a credit card as it is a significant cost. The annual fee for top HDFC Bank credit cards is as follows:
| 1. Infinia Credit Card Metal: | Rs. 12,500 + GST (Spends for Renewal Fee Waiver: Rs. 10,00,000) |
| 2. Diners Club Black Credit Card: | Rs. 10,000 + GST (Spends for Renewal Fee Waiver: Rs. 5,00,000) |
| 3. Diners Club Black Metal Edition Credit Card: | Rs. 10,000 + GST (Spends for Renewal Fee Waiver: Rs. 8,00,000) |
| 4. Diners Club Privilege Credit Card: | Rs. 2,500 + GST (Spends for Renewal Fee Waiver: Rs. 3,00,000) |
| 5. Millennia Credit Card: | Rs. 1,000 + GST (Spends for Renewal Fee Waiver: Rs. 1,00,000) |
| 6. HDFC Bank MoneyBack Plus Credit Card: | Rs. 500 + GST (Spends for Renewal Fee Waiver: Rs. 50,000) |
| 7. Marriott Bonvoy HDFC Bank Credit Card: | Rs. 3,000 + GST (No Waiver) |
| 8. Paytm HDFC Select Credit Card: | Rs. 1,000 + GST (Spends for Renewal Fee Waiver: Rs. 1,50,000) |
| 9. 6E Rewards XL – IndiGo Credit Card: | Rs. 2,500 + GST (No Waiver) |
| 10. InterMiles Platinum Credit Card: | Rs. 1,000 + GST (No Waiver) |
Other Fees & Charges
In addition to the annual fee, several other charges may apply when using a credit card. These include:
- Interest Charges on Revolving Credit: 1.99% per month on Infinia, Diners Club Black, and Intermiles HDFC Bank Diners Club Credit Card; 3.6% on all other cards.
- Cash Advance Fee: 2.5% of the withdrawn amount or Rs. 500 (whichever is higher).
- Forex Markup Fee: 2% on Infinia, Diners Club Black Metal Edition, Regalia Gold, Tata Neu Infinity HDFC Bank, and Diners Privilege; 3.5% on all other cards.
How To Activate HDFC Bank Credit Cards?
Activating your HDFC Credit Card is simple and can be done through various methods:
1. Activation through Usage:
- Use your credit card for online and offline transactions within 30 days of receiving it to activate it.
- For offline transactions, swipe your card at a Point of Sale (PoS) machine to keep it active.
2. Activation by Enabling Transactions:
- Enable your credit card for contactless, international, and online transactions to activate it.
- You can enable your card for such transactions online through MyCards, Whatsapp, or Eva.
A. Through MyCards:
- Visit MyCards website and log in using OTP.
- Link your credit card and navigate to the ‘Card Control’ tab.
- Enable online, contactless, and international transactions.
B. Through Whatsapp Banking:
- Send a Whatsapp message ‘Manage My Credit Card’ to 7070022222.
- Follow the steps to enable your credit card for online, contactless, and international transactions.
C. Through EVA:
- Chat with Eva by sending ‘Manage My Credit Card’.
- Select the options to enable your card for online, contactless, and international transactions.
3. Activation by Setting Credit Card PIN:
Set a four-digit PIN for your credit card.
- Through HDFC Bank ATMs, use a green PIN received on your registered mobile number.
- By contacting HDFC Credit Card customer care and following IVR instructions.
- Via Net Banking by logging in and choosing the ‘Change PIN’ option.
4. Activation through OTP Confirmation:
- Enter your mobile number to receive the OTP.
- Use the OTP to activate your card.
- Log in using your registered mobile number.
5. Activation through SmartPay Registration:
- Use SmartPay to add billers to your credit card for automatic payments.
- Set standing instructions for various transactions like bill payments and recharges.
HDFC Bank Credit Cards Login/Net Banking
To register for an HDFC credit card net banking account online, follow these steps:
- Step 1: Visit https://www.hdfcbank.com/personal/ways-to-bank/online-banking and scroll to the middle of the webpage where you find Credit Card NetBanking. Click on “Register Online.”
- Step 2: Fill in all the required details on the registration page and accept the terms & conditions. Click “Submit.”
- Step 3: Confirm your mobile number where the OTP will be sent and click “Continue.”
- Step 4: Enter the OTP sent to your registered mobile number.
- Step 5: Enter your credit card details and set your IPIN.
- Step 6: Log into your Net Banking account using your Customer ID/User ID and IPIN.
#1. PhoneBanking:
- Step 1: Call the PhoneBanking number applicable to your city from https://www.hdfcbank.com/personal/ways-to-bank/phone-banking.
- Step 2: Provide either your Customer ID and TIN or your credit card number and PIN.
- Step 3: Give your Net Banking registration request to the PhoneBanking agent. Your IPIN will be couriered to your registered mailing address within 5 business days.
#2. ATM:
- Step 1: Visit any HDFC Bank ATM.
- Step 2: Enter your credit card number and ATM PIN
- Step 3: Select ‘Other Option’ from the main screen, choose ‘Net Banking Registration,’ and confirm. Your IPIN will be couriered to your registered mailing address.
#3. Bank Branch:
- Step 1: Download the Net Banking Registration form from the bank’s website.
- Step 2: Take a printout, fill in the required details, and submit it at any HDFC Bank branch. Your IPIN will be couriered to your registered mailing address.
How To Compare Axis Bank Credit Cards and Choose The Best One?
1. Assess Your Spending Patterns:Before selecting the right Credit Card for your needs, it’s crucial to analyze your spending habits and lifestyle requirements. Are you frequently traveling? If so, a card offering travel perks might be optimal. Do you often commute? In that case, a card with fuel benefits could be advantageous. Understanding your primary spending areas enables you to target cards that provide the most rewarding benefits.
2. Compare Features and Advantages With a multitude of Credit Cards available, each offering unique perks, it’s essential to carefully review and select the most suitable one for you. For individuals who enjoy a vibrant lifestyle, lifestyle Credit Cards can be an excellent fit. These cards extend benefits across various lifestyle categories, such as dining, entertainment, and wellness. Optimal lifestyle cards will offer substantial rewards tailored to your preferred activities.
3. Evaluate Reward Systems: It is essential to delve into the specifics before committing. Scrutinize the conversion rates of Reward Points into benefits like Air Miles, CashBack, or shopping vouchers. The best Credit Cards not only provide abundant Reward Points but also offer flexibility in utilizing them.
4.Consider the Fees: While premium Credit Cards promise enticing rewards, they often come with associated costs. Before finalizing a Credit Card, carefully evaluate factors such as annual fees, interest rates, late payment penalties, and foreign transaction fees. It’s vital to weigh these expenses against the benefits to ensure the card aligns with your financial goals. A Credit Card can undoubtedly enhance your financial toolkit, but responsible usage is key to maximizing its benefits.
Conclusion
In conclusion, HDFC Bank Credit Cards offer a diverse range of benefits and rewards tailored to various lifestyles and preferences. Whether you’re a frequent traveler, a lifestyle enthusiast, or someone seeking financial flexibility, HDFC Bank has a credit card to suit your needs.
However, it’s crucial to assess your spending habits, review the features and benefits, evaluate reward systems, and consider associated fees before selecting the right card. With responsible usage, HDFC Bank Credit Cards can serve as valuable financial tools, enhancing your purchasing power and providing exclusive perks and privileges.
Important Links
Important Links
Airport Lounge
Add-On Cards
Forex Charges
RuPay Cards
FAQs
Q1. What types of HDFC Bank Credit Cards are available?
A1. HDFC Bank offers a wide array of credit cards catering to diverse needs, including travel, lifestyle, shopping, dining, and more. Whether you’re looking for travel perks, cashback rewards, or exclusive privileges, HDFC Bank has a credit card to match your requirements.
Q2. How can I apply for an HDFC Bank Credit Card?
A2. You can apply for an HDFC Bank Credit Card online through the bank’s official website or by visiting a branch. Alternatively, you can also apply through third-party platforms authorized by HDFC Bank. Ensure you meet the eligibility criteria and have the necessary documents handy before applying.
Q3. What are the key factors to consider when choosing an HDFC Bank Credit Card?
A3. When selecting an HDFC Bank Credit Card, it’s essential to consider factors such as your spending habits, lifestyle preferences, reward programs, fees and charges, interest rates, and additional benefits. Evaluate these aspects carefully to choose a card that aligns with your financial goals and offers maximum value.