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HDFC Credit Card
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HDFC Bank is a private sector bank that offers a diverse range of credit cards. The bank presently offers over 20 credit cards, each tailored to meet specific needs. The bank has a card for every category, including travel, shopping, dining, and premium. So, let’s start by looking at the top HDFC Credit Cards.
List of Top 10 HDFC Credit Cards in India 2022
Features & Benefits of the Best HDFC Credit Cards
HDFC Regalia Credit Card
- Complimentary Priority Pass Membership that provides access to more than 700 airport lounges.
- 4 Reward Points on every Rs.150 spent.
- 15% discount at premium restaurants across India.
- Up to 15,000 reward points on achieving annual spends of up to Rs.8 lakh.
- 12 complimentary domestic lounge access per calendar year.
- 24X7 concierge assistance for travel and entertainment bookings.
- Foreign currency mark-up fee of 2% on all international spends.
- Free comprehensive insurance that covers air accidental death, emergency hospitalization, and credit liability.
HDFC Millennia Credit Card
- 5% cashback on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp
- 5% cashback on all online spends over Rs. 2,000
- 1% cashback on all offline spends and wallet reloads above Rs. 100
- 8 free domestic lounge accesses per year
- Rs. 1,000 gift vouchers each on spending Rs. 1 Lakh per quarter in the card’s first-year
- Discounts and offers through the Good Food Trail Dining program
HDFC Indian Oil Credit Card
- Get fuel points at IndianOil fuel outlets by earning 5% of your spends
- You can shop at grocery stores and earn fuel 5% as fuel points
- Earn 1 Fuel Point for every Rs.150 spent with this credit card
- You can earn at least 50 liters of free fuel every year
HDFC MoneyBack Credit Card
- 2X more reward points on online spends.
- Spend Rs.50,000 in a quarter and get an e-voucher worth Rs.500.
- Free accidental death insurance up to Rs.50 lakhs.
- Zero liability on the lost card.
- Reward points can be redeemed for cashback against card outstanding, air miles, and gifts from the rewards catalog.
HDFC Diners Club Privilege Credit Card
- Complimentary membership to Zomato Gold, Amazon Prime, MakeMyTrip Double Black, Times Prime, and Big Basket Star. These memberships can be availed upon spending Rs. 75,000 or more in the first 90 days.
- 12 complimentary visits in a year to 700+ airport lounges in India and abroad.
- 4 reward points per Rs. 150 spent. 2X rewards on dining.)
- Discounts on spas, salons, gym and doctor consultation
- 2 complimentary golf games per quarter globally
- Spend Rs. 5 Lakh in a year and renew all your complimentary memberships
- Spend Rs. 40,000 in a calendar month and get 1 voucher worth Rs. 500 from BookMyShow, TataCLiQ, or Ola Select membership
6E Rewards XL IndiGo HDFC Bank Credit Card – For IndiGo Frequent Flyers
- 5% 6E Rewards per Rs. 100 spent on IndiGo website or mobile app
- 3% 6E Rewards per Rs. 100 spent on dining, grocery purchase and entertainment spends
- 2% 6E Rewards per Rs. 100 for all other retail spends (except fuel and wallet loading)
- 1 Complimentary IndiGo air ticket worth Rs.3,000 on making 3 or more transactions in each of the first three months after card set up.
- Cardholders will also get 8 complimentary domestic lounge access through Mastercard Lounge Access Program.
- The card offers complete waiver of fuel surcharge for transactions above Rs. 400. Maximum waiver per billing cycle has been capped at Rs. 500.
- Users can avail dining discounts under HDFC Bank’s Good Food Trail Dining Program.
HDFC Freedom Credit Card – For First-Time Users
- 5 times more reward points on dining, entertainment, railway ticket booking, cab booking, and grocery spends.
- 10 times more reward points on HDFC PayZapp & SmartBUY spends
- 25 times more points on birthday spend
- Earn 1 reward point on every spend of 150 and above.
- A gift voucher worth Rs.1000 on annual spends of Rs.90,000 or more.
- Complimentary accidental insurance up to 50 lakh.
HDFC Business Moneyback Credit Card
- 2X more reward points on online spends.
- Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
- Free accidental death insurance up to Rs.50 lakhs.
- Zero liability on lost card.
HDFC Infinia Credit Card Metal Edition
- Retail spends: 150 = 5 points
- Travel & shopping via Smartbuy: 10x points
- Dining at stand-alone restaurants: 2x points
- Taj Epicure Plus Plan & Inner Circle Gold membership
- Club Vistara Gold membership
HDFC Bharat Cashback Credit Card
- Annual fee is waived off when a cardholder spends Rs. 50,000 or more in a year.
- Best suited for cashback
- 5% cashback on IRCTC rail ticket booking, fuel, groceries, bill payment, mobile recharges, and payments made through PayZapp
- Fuel surcharge waive
How to Apply for HDFC Credit Cards Online
ReferLoan is the leading fintech company that has collaborated with HDFC Bank and offers a paperless approval application process for some of its credit cards.
Through our website, you can check your eligibility for HDFC Credit Cards, apply and submit all the required documents online and enjoy a hassle-free application process.
Follow the steps to apply for HDFC Credit Cards through ReferLoan:
- On the HDFC Credit Card page, you can find the list of HDFC credit cards on the top.
- Choose a card and click on the ‘Check Eligibility’ button
- You will be prompted with a list of questions
- Answer them to know your eligibility.
- If you’re eligible for the card, you will be redirected to the online application page.
- Fill in all the required fields on the page before clicking on ‘Submit’.
- You will then be asked to upload the documents – do the same and click on ‘Submit’
How to Redeem HDFC Reward Points?
HDFC credit card users can redeem the reward points online as well as offline. For HDFC Credit Card online redemption, follow the process given below-
- Login to your HDFC Credit Card Net Banking
- From the left navigation bar, click on the ‘Redeem Reward Points’ option
- Select the card and then you will be redirected to the rewards redemption portal
- Select ‘Points Range’ and ‘Item Category’ to view your reward redemption catalogue
- Once you have selected the items against which you want to redeem your points, click on the ‘View Shopping Cart’ link to view the selected items. You can also modify the quantity by clicking on ‘Edit’
- Once you submit, the items will reach the address mentioned by you. Note that the redeemed points cannot be revoked
- Keep the redemption order number generated for reference
For offline redemption, you can fill the redemption form and mail it back to the bank. You can download the redemption form from the netbanking portal.
HDFC Credit Card Login for Netbanking
HDFC Bank offers online net banking services to its customers using which they can manage their credit card account conveniently. Here is the detailed process of HDFC Credit Card login:
- You need to register for Netbanking services using your registered mobile number and customer ID.
- With Netbanking, users can benefit from the following services-
- Look at their previous 6-month statement easily
- Registering or deregistering for an autopay option
- Generating and/or resetting a PIN for the card
- Blocking or hot listing the card
- Application of the loan on the card
- Request for conversion of the outstanding balance into EMI
- Enhancement of the credit limit
- Redemption of the reward points
- Make credit card bill payment and more
Things you need to keep in mind while applying for a Credit Card
Plastic money is advantageous for a variety of reasons. However, it is critical to use credit cards carefully. So, we will tell you about things that matter, when applying for a credit card
- Your Earnings
This will be the first question the card issuer will ask. The bigger your income, the larger your credit limit will be. - Previous Credit History
Have you ever used a credit card? Did you forget to pay your bills? If this is true, the banks may have placed you on the list of defaulters. Maintain a positive credit score. - Why need a credit card?
Shopping, dining, and travel are just a few examples. You can select a credit card that is appropriate for your lifestyle. - Age matters
When applying for a credit card, your age is also taken into consideration. A person over the age of 55 may have a lesser credit limit. You can acquire a higher credit limit on your card if you are between the ages of 18 and 35.
It is straightforward to apply for a credit card. We have a tonne of fantastic deals for you. Check them out right away!
FREQUENTLY ASKED QUESTIONS
Have a question? We've got answers!
HDFC Bank offers a variety of credit cards to suit the demands of its customers. There are cards for various spending patterns, such as shopping, travel, lifestyle, dining, and so on, and they are also classified according to their income bracket. You should choose a credit card that fits your needs.
There are options available on the HDFC bank net banking website to raise a credit card cancellation request. However, you can do the same by calling HDFC customer care or visiting any nearest HDFC Branch if you wish to submit an online request, login into the HDFC online net banking website and click on the “credit card hotlist” option to block to hotlist your HDFC bank credit card. You will get a form to fill out for the HDFC bank credit card cancellation. Just fill out and submit that form. Once that gets approved, you will get a call from the HDFC bank executive checking with you for a reason for cancellation, and they will go ahead and process the same.
If you wish to increase the credit limit of your HDFC Bank credit card online, follow these steps. Login into the HDFC bank online net banking website with your customer ID. Go to the Cards tab, click "request," and click "set usage/limit" your existing Domestic and International Card usage will be shown here. The "Online" option would be disabled there by default, so you need first to switch it ON, then click on Continue. Then comes the review page; enter the requested OTP here and click "Continue," and it's done.
You can also check your HDFC credit card statement on the official GDFC bank website and the HDFC mobile banking application. For both options, login into them, go to the “Cards” section, select the “Enquire” option, and select the timeframe for which you need the card statement. And the information will be downloaded on your phone or system.
Your credit card bill can be paid online using the HDFC Mobile Banking app or the HDFC Net banking webpage.
If you wish to change your address for your HDFC credit card online, go to the bank's net banking website with your Customer ID and password. Click on "Contact details update," then click on "update address" and click on "Continue." Here it is mandatory to attach one address proof document, and once you upload and submit, the new address will be changed as per the document attached within 24-48 hours.
If you wish to change your HDFC credit card online, follow these steps. Login into the HDFC net banking website with your Customer ID. Go to the “Cards” section, select your “credit card,” and then Go to the “Change PIN” option. Enter the requested OTP on your mobile number to confirm your action online. After that, you can verify your new 4-digit PIN as your choice.
HDFC Regalia Credit Card, HDFC Diners Club Miles Credit Card, and HDFC Regalia First Credit Card are the best travel credit cards. HDFC Travel Credit Cards provide exclusive travel benefits such as a complimentary airport lounge, rewards on travel bookings, air miles conversion, and more.
