HDFC Bank Credit Cards

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. 

1. Infinia Credit Card:

• 5 Reward Points per Rs. 150

2. Diners Club Black Credit Card:

• 5 Reward Points per Rs. 150

3. Diners Club Black Metal Edition Credit Card:

• 5 Reward Points per Rs. 150

4. Regalia Gold Credit Card:

• 4 Reward Points per Rs. 150

5. Diners Club Privilege Credit Card:

• 4 Reward Points per Rs. 150

6. Millennia Credit Card:

• 5% Cashback on Online and 1% Cashback on Offline Spends

7. 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

8. HDFC Bank UPI RuPay Credit Card

• 3% Cashpoints on Groceries, Dining, and Supermarket Spends
• 2% Cashpoints on Utility Spends

9. 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

10. 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.

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.

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.

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.

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.

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.

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.

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