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Explore Credit Cards

HDFC Bank offers a premium collection of credit cards catering to middle-class individuals and elite customers. These credit cards provide access to exceptional offers, allowing you to earn reward points and enjoy airport lounge access. Additional benefits include discounts on movie tickets, fuel surcharges, etc. If you are considering applying for an HDFC Credit Card, exploring all available options is advisable. So, without further ado, let’s begin!

List of Top HDFC Credit Cards in India 2025

HDFC Bank offers an exclusive range of credit cards that seek to provide customers with a unique experience. Look at its list of credit cards and pick the one that suits you the most.

Credit Cards	Joining Fee (In ₹)	Annual Fee (In ₹)
HDFC Infinia Credit Card	12,500	12,500
HDFC Regalia Gold Credit Card	2,500	2,500
HDFC Diners Club Black Card	10,000	10,000
HDFC Platinum Times Credit Card	1000	1000
HDFC Titanium Times Card	500	500
HDFC Doctor's Superia Credit Card	1000	1000
HDFC Superia Airline Credit Card	As Applicable	As Applicable
HDFC Solitaire Credit Card	1000	1000
HDFC World MasterCard	As Applicable	As Applicable
HDFC Visa Signature Card	As Applicable	As Applicable
HDFC Platinum Plus Card	As Applicable	As Applicable
HDFC Platinum Edge Card	As Applicable	As Applicable
HDFC Titanium Edge Credit Card	As Applicable	As Applicable
HDFC MoneyBack+ Credit Card	500	500
HDFC Corporate Platinum Card	As Applicable	As Applicable
HDFC Corporate World MasterCard	As Applicable	As Applicable
HDFC Corporate Visa Signature Card	As Applicable	As Applicable
HDFC Diners Club Privilege Credit Card	2500	2500
HDFC Millennia Credit Card	1000	1000
HDFC Freedom Credit Card	500	500
HDFC Diners Club Miles Credit Card	1000	1000
Indigo HDFC Bank Credit Card – 6E Rewards	700	700
6E Rewards XL- Indigo HDFC Credit Card	2500	2500
InterMiles HDFC Bank Diners Club Credit Card	5000	5000
InterMiles HDFC Bank Signature Credit Card	2500	2500
InterMiles HDFC Bank Platinum Credit Card	1000	1000
IndianOil HDFC Bank Credit Card	500	500
HDFC Diners Club Rewardz Credit Card	1000	1000

Note:- “The GST will be charged on the credit card Fee”

HDFC Infinia Credit Card

You can earn many reward points on this credit card and enjoy complimentary access to the airport lounges. Here are the key features of the HDFC Infinia credit card: 

• Get 5 reward points on every ₹150 spent on retail, insurance, and utility
• Stay for three nights at participating ITC hotels and only pay for two
• Enjoy a complimentary weekend buffet with a 1+1 offer at participating ITC hotels
• Free Club Marriott membership for the first year with up to 20% discount on dining and stay
• Unlimited global airport lounge access is available for both primary and add-on members
• 10X reward benefits on travel and shopping via Smartbuy
• Complimentary lounge access at select airports across the globe. 
• Complimentary golf sessions in India at leading golf courses. 

Note: *You can redeem your reward points on Smartbuy or Netbanking.
*1 reward point = 1 Airmile or Rs. 1 for travel bookings, Apple products, or Tanishq vouchers purchased via Smartbuy. 

HDFC Regalia Gold Credit Card

This HDFC Credit Card gives you the Swiggy One Membership through which you can order food at a discounted price. On the other hand, it also offers dining benefits and amazing vouchers. Check out the main features of this card: 

• Enjoy complimentary Swiggy One and MMT Black Gold Membership as Welcome Benefits
• Get ₹1,500 worth vouchers from Myntra, Mariott, on quarterly spends of ₹1.5 lakh
• Get ₹5,000 worth of flight vouchers on annual spending of ₹5 lakh 
• Receive additional flight vouchers worth ₹5,000 when you spend ₹7.5 lakhs in an anniversary year
• 6 complimentary international lounge visits and 12 domestic airport lounge visits per year
• 7.5% savings on restaurant bills when payment is done via Swiggy Dineout. 

HDFC Diners Club Black Card

With this credit card, you can enjoy free membership of Swiggy One, Club Marriot, and more so that you have a luxurious experience. Here are the key features of this popular HDFC card: 

• Enjoy complimentary memberships from Club Marriott, Amazon Prime, Swiggy One, and MMT Black
• Earn 5 rewards on retail spends of ₹150 and above
• Earn up to 10X reward points via Smartbuy and 2X on weekend buying
• Enjoy free entry to over 800 lounges all over the world, including domestic airports in India
• 6 complimentary golf sessions per quarter at the top courses across the world  
• Complimentary vouchers of Ola, BookMyShow, or Tatacliq on monthly spends of ₹80,000
• Avail air accident insurance cover of ₹2 crore and travel insurance of ₹50,000 in case of baggage delay.

HDFC Titanium Times Card

HDFC Titanium Times credit card offers dining benefits, allowing you to save up to 25% on your movie tickets and earn numerous reward points. Let’s explore some amazing features of this card:

• 25% discount on movies and 10% on dining at select outlets.
• Earn 2 reward points on every ₹150 spent
• Get a complimentary Annual Times Prime Membership and enjoy offers from brands like Gaana Plus, Myntra, and  more
• Receive up to 5% cashback on utility bills and shopping through SmartBuy
• Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
• Up to 20% off on online and offline shopping, wellness, and hospital stays. 

HDFC Doctor’s Superia Credit Card

The Doctor’s Superia Credit Card gives you a lot of exclusive benefits like earning reward points and enjoying fuel surcharge waiver at all fuel stations across India. Here are the main benefits: 

• Get 1,000 Reward Points as a welcome bonus and 1,000 points each time you renew
• 3 reward points on a spend of every ₹150
• Get 1% fuel surcharge waiver on fuel transactions at all fuel stations in India 
• Coverage of up to Rs. 20 lakh for accidents caused by professional negligence, with a limit of Rs. 4 lakh per accident.
• Enjoy 50% more reward points when you dine. 

Note: Use your reward points to get air miles on over 20 international airlines or any major domestic airline (100 air miles for every 667 reward points)

HDFC Superia Airline Credit Card

You can earn 1000 reward points as a welcome gift on this card and 50% more reward points on dining. Here are the key features of the HDFC Superia credit card:

• Earn 1,000 reward points as a welcome gift
• Get 1,000 reward points as renewal benefits
• 3 reward points on a spend of every ₹150
• Earn 50% more reward points on dining expenses
• Redeem reward points and save up to ₹8,000 on your air travels.

HDFC Solitaire Credit Card 

HDFC Solitaire credit card gives you milestone benefits in which you can grab a shopping voucher worth ₹1000 on spending ₹75000 within 6 months. Take a look at the other main features of this popular card: 

• Earn 3 reward points on every ₹150 spent
• Dining & grocery spending makes you earn 50% more reward points
• Reward points redeemable against cashback and catalog products
• Save ₹250 on every billing cycle on your fuel spends. 

World MasterCard Credit Card

With the World MasterCard credit card, you can earn Priority Pass Membership, granting you access to numerous airport lounges worldwide. Here are a few other main features that come along with this card:

• Get 2 reward points on a spend of ₹150
• 50% extra reward points for incremental spends of more than ₹75,000 in a statement cycle
• Enjoy complimentary Priority Pass Membership
• Get access to 600 airport lounges across the globe
• Save up to ₹8,300 on airport lounge access and fuel purchases in a year 
• Upto 3 add-on cards available. 

Visa Signature Card

The Visa Signature Credit Card provides you with an interest-free period of up to 50 days and no liability benefit if this card gets stolen. Here are the main benefits of using this credit card: 

• 2 reward points on every spend of ₹150
• Get access to over 600 airport lounges in more than 300 cities globally
• Get 50 days of credit-free interest period
• There is no liability on the lost card if immediately reported. 

Platinum Plus Card

With the Platinum Plus card, you get additional reward points by spending ₹50,000 or more in a year. You also get add-on cards for your family members. Here are the key benefits: 

• Earn 2 reward points on every spend of ₹150
• 50% additional reward points on incremental spends of more than ₹50,000 in a statement cycle
• Get 50 days of interest-free period
• Avail up to 3 complimentary add-on cards for your family. 

Platinum Edge Card

You can earn thousands of reward points through this credit card and redeem them by buying vouchers from various brands. Here are the essential features of the Platinum Edge Card: 

• Earn 2 reward points on a spend of ₹150
• Get 50% additional reward points at select restaurants
• Save up to ₹250 every billing cycle with a complete fuel surcharge waiver.
• Reward points can be redemeed as airmiles, cashback and gift vouchers
• 100 reward points are equal to ₹10; use the Cashback to pay your card's outstanding credit. 

Titanium Edge Card

This HDFC bank credit card will waive your fuel surcharge and help you save money on fuel expenses. Check out the key features of this card: 

• Enjoy 2 reward points on a spend of ₹150
• Get 50% additional reward points on dining spends
• 50 days of an interest-free period
• Get a 100% fuel surcharge waiver with ₹250 savings on your billing cycle

HDFC MoneyBack+ Card

The HDFC MoneyBack credit card allows you to earn reward points by making online transactions. You can redeem those points to pay your credit card's outstanding balance and for flight and hotel bookings as well. Here are the main features: 

• Earn 10X cashpoints on Amazon, BigBasket, Reliance, and more
• 2 reward points on every spend of ₹150
• Get gift voucher worth ₹500 when you spend ₹50,000 per calendar quarter
• 100 reward points are equal to ₹20
• Receive up to 20% discount on Swiggy Dineout. 

Note: 1 CashPoint = ₹0.25

Corporate Platinum Card

This corporate credit card can help you get reward point benefits and enjoy free visits to the airport lounges.

• Earn 3 reward points on a spend of every ₹150 ( 1 reward point = INR 0.30)
• Reward points are capped at a maximum of 6,000 per statement cycle.
• 1% Fuel surcharge waiver on transactions of ₹400 to ₹5,000
• Exclusive 8 domestic airport lounge access per calendar year
• Receive air accident cover of ₹1 crore and medical emergency protection of up to ₹1 lakh. 

Corporate World MasterCard

This HDFC Credit Card offers exciting benefits, including free airport lounge visits and the opportunity to earn thousands of reward points. Check out its amazing benefits: 

• Earn 2 reward points on a spend of every ₹150
• Get accident insurance cover of ₹1 crore for air travel and ₹3 lakhs for road and rail travel
• Fuel surcharge waiver on transactions worth ₹400-5,000
• 6 exclusive lounge access at 1200+ airports across the world under Priority Pass membership
• 8 complimentary lounges access to domestic airports under the Visa or MasterCard franchise lounge program 
• 24×7 online MIS
• Summary & details of merchants. 

HDFC Corporate Visa Signature Card

This card provides access to airport lounges and offers a fuel surcharge waiver at refilling stations. Here are its main features: 

• Earn 2 reward points when you spend ₹150 on every purchase
• Fuel surcharge waiver on transactions worth ₹400-5,000
• Exclusive lounge access at airports
• 24×7 online MIS
• 60 MIS reports including spending analysis, summary & details of cost allocation
• Summary & details of merchants. 

HDFC Diners Club Privilege Credit Card

Experience premium lifestyle benefits with the HDFC Diners Club Privilege Credit Card. This card offers exclusive rewards and privileges designed to bolster your dining, travel, and entertainment experiences.

• Receive free annual memberships to Swiggy One and Times Prime when you spend ₹75,000 within the first 90 days after your card is issued
• Get 5X reward points on Swiggy and Zomato
• Enjoy two complimentary airport lounge accesses worldwide every calendar quarter.
• 'Buy 1, Get 1 Free' on weekend movie and non-movie tickets through BookMyShow
• Get an air accident insurance cover worth ₹1 crore
• Receive emergency overseas hospitalization cover of ₹25 Lac. 

HDFC Millennia Credit Card

You can enjoy cashback and discounts on recharging online wallets through this credit card and enjoy complimentary visits to the airport lounges. Here are the main features: 

• Enjoy a 5% cashback on Amazon, Myntra, Sony LIV, Uber, and Flipkart
• Enjoy 1% Cashback on offline transactions and recharging online wallets
• Receive gift vouchers worth ₹1000 for spending ₹1,00,000 or more in each calendar quarter
• Get up to 20% discount on partner restaurants via Swiggy Dineout
• Avail a 1% fuel surcharge waiver at refilling stations.
• Make a contactless payment using this card without entering a PIN. 

HDFC Freedom Credit Card

This credit card has reward point benefits and you can even waive off the credit card fee by achieving a certain threshold. Here are the main highlights of this HDFC credit card:

• Earn 10X cashpoints on brands like BigBasket, OYO, Swiggy, and Uber
• Get a 20% discount on partner restaurants via Swiggy Dineout
• Earn 500 cashpoints on payment of membership fees
• Enjoy 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000
• Get the renewal membership fee waived off by spending ₹50,000 and above in a year. 

HDFC Diners Club Miles Credit Card

You can receive insurance coverage with this credit card and enjoy free access to over 1,000 airport lounges worldwide. Here are the other features of the HDFC Diner Club credit card: 

• Enjoy 4 reward points on the expenditure of every ₹150
• Get 6 complimentary accesses to over 1000 airport lounges worldwide
• Get an air accident cover worth ₹1 crore
• Get medical emergency insurance cover of up to ₹25 lacs
• Enjoy a travel insurance cover of ₹50,000 for baggage delay or loss.
• This card has a credit liability cover of ₹9 lacs.

Indigo HDFC Bank Credit Card – 6E Rewards

This credit card gives you various privileges for booking Indigo flights. On the other hand, you will get an Indigo Airline Ticket Voucher that will save some bucks on traveling.

• Earn 2.5 6E rewards for every ₹100 spent on flight bookings through the IndiGo App or Website (1 6E Reward = INR 1)
• Get 2 6E rewards per ₹100 spent on grocery, dining & entertainment
• Receive 1 6E rewards on every other expenditure
• Receive one complimentary flight ticket valued at Rs. 1500, plus one complimentary 6E Prime Add-On, which includes priority check-in, your choice of seat, and a complimentary meal.
• Earn 1% 6E Rewards for every ₹100 you spend on fuel. 

6E Rewards XL – Indigo HDFC Credit Card

If you enjoy traveling, this credit card can be beneficial for you, as it offers great deals on flight tickets and complimentary access to airport lounges. Here are the main features of the 6E Rewards XL card:

• Earn 5 6E rewards on booking the Indigo flight tickets from the official website or application
• If you spend on entertainment, dining, and grocery, you can earn 3 6E Rewards.
• On spending on other categories, you can earn 2 6E Rewards.
• Get 8 complimentary access to airport lounges in a year with a maximum of 2 per quarter.
• Receive one complimentary flight ticket valued at ₹3000, plus one complimentary 6E Prime Add-On, which includes priority check-in, seat selection, and a complimentary meal.

InterMiles HDFC Bank Diners Club Credit Card

Discover the world of travel benefits with the InterMiles HDFC Bank Diners Club Credit Card. This card is packed with opportunities to earn InterMiles quickly and enjoy luxurious travel perks:

• Earn 10,000 InterMiles by spending Rs. 20,000 within the first 30 days of card activation. 

• Additionally, receive 15,000 InterMiles when you spend Rs. 1,50,000 or more on total retail purchases within the first 90 days.

• Get 8 InterMiles per INR 150 on retail spending.

• Enjoy 16 InterMiles per 150 spent on every flight ticket booked on InterMiles official website.

• Earn 16 InterMiles per INR 150 spent on every Hotel booked on InterMiles official website.

• Enjoy 10% off on Etihad Airways Business Class tickets booked on InterMile's official website.

• Get 5% off on Etihad Airways Economy Class tickets booked on InterMile’s official website

• Enjoy 2.5X bonus InterMiles for Etihad Airways tickets booked on InterMile’s official website.

• Unlimited lounge access at domestic airports in India

• Save up to 25% on dining bills paid through Dineout Pay. 

InterMiles HDFC Bank Signature Credit Card

Get the most out of your travels with the InterMiles HDFC Bank Diners Club Credit Card, your perfect travel companion offering a wealth of benefits and exclusive discounts. Here's what you can look forward to:

• Earn 3,000 InterMiles by spending ₹6,000 within the first 30 days of card activation
• Gain an additional 5,000 InterMiles when you spend ₹90,000 or more in total retail purchases within the first 90 days
• For the first year, receive a discount voucher of ₹750 on return flight tickets booked via the InterMiles website
• Get ₹2,000 discount voucher for hotel bookings
• Enjoy 6 InterMiles per ₹150 on retail spending
• Get 12 InterMiles per ₹150 spent on every flight ticket booked on InterMiles official website.
• Enjoy 12 InterMiles per ₹150 spent on every Hotel booked on InterMiles official website.
• Get 10% off on Etihad Airways Business Class tickets booked on InterMiles official website.
• Enjoy 5% off on Etihad Airways Economy Class tickets booked on InterMiles official website.

InterMiles HDFC Bank Platinum Credit Card

With this HDFC credit card, earn up to 3,000 InterMiles in the first 90 days and collect more with every purchase, flight, or hotel booking made through InterMile's official website.

• Enjoy 1500 InterMiles on spending ₹3,000 within the first 30 days and an additional 1500 InterMiles on total retail spending of ₹50,000 and above within the first 90 days.
• Get 4 InterMiles per ₹150 on retail spending
• Get 8 InterMiles per ₹150 spent on every flight ticket booked on InterMile’s official website.
• Have 8 InterMiles per ₹150 spent on every Hotel booked on InterMile’s official website.
• Enjoy a discount of 5% on Etihad Airways Economy Class tickets booked on InterMile’s official website.
• Earn 2.5X bonus InterMiles for Etihad Airways tickets booked on InterMile’s official website.
• Enjoy 8 airport lounge access up to 2 per quarter on this credit card.

IndianOil HDFC Bank Credit Card

If you are willing to save some money on fuel transactions, you can apply for this HDFC Bank Credit Card. You can explore the features of this card below.

• Enjoy a discount of 5% of your fuel expenditure as the redeemable points on your credit card.
• Earn up to 250 fuel points in the first six months
• Get 5% of your spending back as fuel points on groceries and bill payments
  Earn one fuel point for every ₹150 spent on other purchases.
• Waive off the fuel surcharge by 1% up to ₹250. The minimum transaction amount must be ₹400
• Use your fuel points for cashback or to buy items from the catalog
• The value of 10 fuel points is equal to INR 9 which is easily redeemable
• Get a 50-day interest-free period starting from the date of purchase.

HDFC Diners Club Rewardz Credit Card

The name of the card suggests that it allows you to earn numerous reward points, which you can redeem for vouchers from top brands. Below are the key features of this amazing credit card from HDFC Bank:

• Earn 1,000 reward points as the welcome benefit on this credit card.
• Enjoy a renewal benefit of 1,000 points at the time of renewal.
• Earn 3 reward points per ₹150 spent
• Get up to 5% cashback for spending via SmartBuy
• Have 24X7 Concierge Service while traveling. 

HDFC Credit Cards: Key Features and Benefits

While each HDFC card offers unique benefits, there are several standard features that most HDFC Bank credit cards share. Here are the key features of HDFC credit cards:

1. EMI Conversion: HDFC Bank's Smart EMI facility allows you to convert large purchases into manageable monthly installments. You can spread payments over 3 to 24 months, or even longer in some cases. While interest typically applies to these EMIs, HDFC also offers a no-cost EMI option on selected transactions at specific merchants.

2. Loan on Credit Card: HDFC Bank provides two loan facilities on credit cards: Insta Loan and Insta Jumbo Loan. With an Insta Loan, your credit limit will be reduced by the loan amount. The Insta Jumbo Loan, however, is offered over and above your existing credit limit. The amount you can borrow and the interest rates vary for each customer.

3. Balance Transfer: If you're struggling to pay off an outstanding balance on another credit card, you can transfer that balance to an HDFC Bank credit card. This allows you to clear your debt through easy installments without incurring penalties or high finance charges, typically at lower interest rates than those of the original credit card.

4. Cashback and Rewards: HDFC credit cards allow you to earn cashback and reward points on your daily purchases. These points accumulate with each transaction and can be redeemed for a wide range of options, including travel expenses such as airline tickets and hotel stays, a variety of merchandise ranging from electronics to home goods, and gift vouchers from popular retail and online stores.

HDFC Credit Card Eligibility Criteria

Both salaried and self-employed individuals are eligible to apply for the credit card. The table below clearly illustrates the age criteria. 

Documentation Required to Apply for HDFC Credit Card

• You should have at least 1 passport-size photograph
• Any of the address proofs such as Passport, Ration card, Electricity Bill, and Aadhaar card have to be submitted
• Applicant should possess PAN Card, Form 16, and Income Tax Returns Statement
• Salary slips/certificate for the last 3 months or the latest bank statement indicating the credit of salary for a minimum of 3 months. 

Common Fees and Charges Associated with HDFC Bank Credit Cards

Some of the common fees and charges related to HDFC Bank credit cards are mentioned in the table below: 

Fee Type	Charges
Joining/Annual Fees	Varies from card to card
Cash Advance Fees (Excluding Infinia)	2.5% (minimum ₹500) would be levied on the amount withdrawn
Late Payment Fees (Excluding Infinia)	For the outstanding balance of: Less than ₹100 = NIL ₹100 to ₹500 = ₹100 ₹501 to ₹5,000 = ₹500 ₹5,001 to ₹10,000 = ₹600 ₹10,001 to ₹25,000 = ₹800 More than ₹25,000 = ₹950

Click here to view other fees and charges associated with HDFC Bank credit cards.

HDFC Credit Card Limit

The card limit would depend on a variety of factors such as your income and credit history. A greater income lends credence to a strong repayment capability, resulting in a higher limit offer. In addition, you must also have a strong credit history and a good credit score if you want more limits on HDFC credit cards. However, you should remember to utilize the credit limit in a responsive manner to stay away from the debt trap. Plan your purchases according to your income and your ability to pay dues on time.

Get a Credit Card Against Fixed Deposit If You Don’t Have Credit History

Several HDFC cards do not require a credit score, especially those issued against a fixed deposit. These can be an effective way to build your credit history. Although FD-backed cards don't need a credit score for approval, it's important not to take this for granted. You must be disciplined with your spending to avoid payment delays or defaults.

Before making a purchase with your card, consider whether the item is a necessity. If not, avoiding unnecessary purchases can help control excess billing, which could otherwise become burdensome. While it's crucial to keep unnecessary spending in check, it's also necessary to use your credit limit wisely to build a positive credit history, which in turn can positively affect your CIBIL score.

If the credit limit you are offered is lower than expected, don't worry. You can prompt HDFC Bank to consider raising your limit by consistently paying dues on time over a significant period.

How to Apply for an HDFC Credit Card Online at Wishfin?

You can apply for HDFC credit cards at Wishfin, an online platform that lets you compare different credit card offers and choose the one that fits your needs better. All you need to do is to mention a few personal and professional details. And, based on the same, different quotes can appear on the screen.

It’s much easier to apply online rather than running around HDFC Bank branches to apply. You can apply sitting at home or in the office using the Internet connection of a mobile or desktop. So, going online saves you hours that may be consumed visiting the bank branch and submitting the application to a designated officer.

Apply for HDFC Credit Cards on WhatsApp

You can even apply for HDFC Credit Cards via WhatsApp, an application that you normally use to chat with your friends. Applying via WhatsApp is possible at Wishfin.

• Just click on ‘Apply with the Ease of WhatsApp Chat after clicking on  ‘Credit Card Offers’ beneath the ‘Credit Card’ tab
• Enter your mobile number and click on ‘Continue with WhatsApp
• Thereafter, you will receive a link, which you need to click on to get added to a group featuring Wishfin as the other member
• Answer a few questions on personal and professional levels, as well as on the credit history
• Submit your application
• HDFC Bank will use the details before okaying the application. 

Apply for HDFC Credit Card via Wishfin Chat

You can also apply for an HDFC credit card using the Wishfin chat. Follow the below steps:

• Click on the Wishfin Chat button
• Give your consent to explore credit cards by typing Yes below ‘Would you Like to Continue’
• Chat out on personal info and job-related details
• Apply for the card from the list shown to you on the chat. 

How to Apply on the HDFC Bank Website?

Here are the steps you need to follow to apply for an HDFC credit card on the bank’s website:

• Visit the official website of HDFC Bank
• Go to ‘Credit Cards’
• Click on the ‘Apply Now’ button
• Enter your personal and income details
• Submit the application
• An executive will come to collect the required documents
• The bank will carefully check the details before approving the application. 

How to Apply at HDFC Bank Branch?

You can also apply for a credit card by visiting your nearest HDFC Bank branch. Below are the steps to follow at the branch:

• Ask for the credit card application form
• Tick against the name of the HDFC credit card you wish to apply for
• Enter the relevant personal and professional details
• Paste photographs and affix the signature at the prescribed space
• Hand in the form and required documents to the appropriate official.

Track Your HDFC Credit Card Application Status

Knowing the exact status of the card application is always a concern for individuals. But, now Wishfin executives will update you on the status of your HDFC credit card application. A team of experts will be right behind your application to ensure you get the speedy approval from the lender.

How to Check Your Application Status on HDFC Bank’s Website? 

You can also check your HDFC Bank credit card application status online. The steps to check the status are shown below:

• Visit the credit card page of HDFC Bank
• Go to the ‘Track Your Credit Card’ section
• Just enter any one of the following: Application Form Number, Application Reference Number, Date of Birth, or mobile number
• See the application status on the screen, which could be either approved, pending or rejected. 

Contact the HDFC Bank Branch or Customer Care Centre to Know the Credit Card Status

You can also contact the nearest HDFC Bank branch or its customer care center to check the status of your application. The officials will ask you to provide your application number, name, mobile number, and date of birth. Once you do so, they will inform you of the exact status. If discrepancies have caused your application to be put on hold or rejected, you can address these issues and reapply to secure approval from HDFC Bank.

HDFC Credit Card Payment Online

Has your HDFC credit card bill arrived? Want to know the payment options? You can choose from methods such as Internet Banking, cheque, or even cash. However, please note that paying in cash may incur a fee.

Paying your bill on time is crucial for cardholders. Failure to do so can result in late payment charges, along with interest and taxes. Wouldn’t you prefer to avoid these fees? You certainly would! With online banking, paying your dues has become simpler. Opt for digital payments to handle your credit card bills seamlessly and punctually. You can register your bill online and receive notifications well before the due date, ensuring you maintain a sufficient balance in your account to make timely payments. Timely payments contribute to a good repayment history and a high credit score.

HDFC Credit Card Bill Desk Payment Mode

You can also pay your card dues through the bill desk. Simply enter your credit card number twice in the designated space, add your email ID, specify the amount you wish to pay, and choose the bank from which the payment will be made. After entering all the necessary information, click the ‘Pay’ button. The payment will be processed, and a message will be sent to your mobile number confirming the deduction of the bill amount from your bank account.

Benefits of Online Payment of HDFC Credit Card Bills

The online payment comes with the following advantages –

• Helps maintain a timely and regular payment, resulting in a good credit score over time
• Gets updated to the credit card account quickly
• Fast payment. 

HDFC Credit Card Customer Care Number

Whatever the query or problem may be, feel free to talk to the customer care representatives on the 24X7 toll-free number 1800-425-4332. The representatives are prepared to answer any questions about discounts, reward points, fees, and charges. 

Do Read Your HDFC Credit Card Statement Carefully

You can also receive a credit card statement via email from the bank monthly, quarterly, or annually, depending on your initial setup. You can also visit the nearest branch and request a statement, which will show a complete detail of the shopping made in a particular billing cycle. You can even log in to Internet Banking, if subscribed, to check the statement, giving you a detail of the minimum due, total dues as well as reward points. Usually, the minimum due accounts for 5% of total dues. Typically, the minimum payment is 5% of the total amount due. You can use reward points, displayed in your statement, to shop for gifts with select online and offline partners.You can check the list of partners on the HDFC Bank website.

Dos & Don’ts of Credit Cards

When handling various online and offline credit card transactions, it's crucial to adhere to certain best practices to optimize the use of your HDFC Bank Credit Card effectively. Here are a few pointers on what to do and what to avoid:

What To Do:

• Explore Card Options: HDFC Bank offers a diverse selection of credit cards, from cards tailored for shoppers to those ideal for frequent flyers. Review the options available based on your needs and eligibility to find the perfect card for your lifestyle.
• Understand the Fine Print: It’s vital to thoroughly understand the terms and conditions of your credit card, including credit limits, interest rates, and fees. Keep an eye out for any special offers, discounts, or waivers that could benefit you.
• Prompt Payments: Always aim to pay your credit card dues in full to maintain a good credit standing and avoid interest charges. Timely repayment reflects positively on your creditworthiness.
• Maximize Credit Limit Opportunities: If you’re eligible for a credit limit increase, take advantage of it to extend your spending capability and earning potential for rewards. However, use this increased limit judiciously.
• Stay on Top of Billing and Payment Dates: Know your billing and payment cycles. The billing date is when you receive a statement of your expenditures for the past cycle, and the payment date is the deadline to clear your dues without incurring late fees.
• Monitor Your Spending: Keep a close watch on your credit card activity to quickly spot any unauthorized or fraudulent transactions. Set up alerts for all transactions and report any discrepancies to your bank immediately.

What Not To Do:

• Avoid Maxing Out Your Credit Limit: Utilize your credit card within reasonable limits. Consistently maxing out your credit can hurt your credit score, lead to significant debt, and complicate repayments.
• Limit Credit Card Applications: While it’s useful to have more than one credit card for emergencies, applying for multiple cards can appear risky and may negatively affect your credit profile.
• Refrain from Minimum Payments Only: Paying just the minimum amount due can lead to accumulated interest on the remaining balance and increase your debt over time. Aim to settle more than the minimum or, ideally, the full amount whenever possible.

FREQUENTLY ASKED QUESTIONS

1. Can I transfer my existing credit card balance to an HDFC credit card?

2. How to take a loan if I have an HDFC credit card?

3. Can I pay my credit card bills through Net-Banking?

4. How many HDFC credit cards can you own at a single time?

5. What is the process to increase your credit card limit at HDFC?

6. What documents are required to apply for an HDFC credit card online?

7. What is the Smart EMI Scheme?

8. How can I track the status of my credit card application after applying?

9. How to get HDFC credit card statements online?

10. Is there a minimum salary requirement to apply for an HDFC credit card?