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HDFC Bank Credit Card

Apply online for HDFC Bank Credit Card: Check your HDFC Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

How it Works

1

Register

Apply for a Credit Card online by filling an easy application form.

2

Select a Credit Card

Choose a Credit Card which best suits your needs and lifestyle.

3

Get Approved instantly

Receive instant approval on your HDFC Bank Credit Card.

Basic Eligibility Criteria

HDFC Bank has a certain eligibility criteria to be eligible for HDFC Credit Card. Individuals who want to apply for a HDFC credit card must meet the following eligibility criteria.

Good Credit Score

Good Credit Score

Above 23 Years of Age

Above 18 Years of Age

Self-Employed or Salaried Professional

Self-Employed or Salaried Professional

Resident of India

Resident of India

Valid Bank Account

Valid Bank Account

Aadhaar Card , Voter ID  / Driving License and PAN Card

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table for Best HDFC Bank Credit Cards

HDFC is one of the biggest players in the credit card marketplace and best in customer service. The bank has a wide range of credit cards to best suit all the needs of customers, ranging from shopping to lifestyle to corporate requirements, and more. Browse through the wide range of HDFC credit cards and learn about the features and benefits before you apply online. Check out the best HDFC credit card offers from IndiaLends below.

Apply for the best HDFC credit card from our range of HDFC Cards online in less than 2 minutes. Check your eligibility in the HDFC Bank credit card eligibility section below, and compare the range of HDFC credit cards.

Name of the HDFC Bank Credit Card Fees Rewards HDFC Credit Card Eligibility
HDFC Bank Times Titanium Credit Card Joining fee - Rs.500
Annual fees - Rs.500
  • 5 Reward Points on every Rs.150 spent for Weekday Dining

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.15,000 or above (for Salaried)

- ITR of Rs.2,00,000 or above (for Self Employed)

HDFC Bank MoneyBack Credit Card Joining fee - Rs.500
Annual fees - Rs.500
  • Earn 2 Reward Points for every Rs.150 of Retail spends
  • Earn 4 Reward Points for every Rs.150 of Online spends

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.15,000 or above (for Salaried)

- ITR of Rs.2,00,000 or above (for Self Employed)

HDFC Bank Bharat Credit Card Joining fee - Rs.500
Annual fees - Rs.500
  • Earn 5% Cashback on spends at Fuel / IRCTC / Bill Payment & Recharges. Earn 5% Cashback on spends at PayZapp , EasyEMI , Smart Buy. Max CashBack is Rs.300/- per statement. (T&C applicable)
  • CashBack points are stored as Reward Points and to be redeemed on customer request (1 Reward Point = Rs.1)

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.15,000 or above (for Salaried)

- ITR of Rs.2,00,000 or above (for Self Employed)

HDFC Bank Freedom Credit Card Joining fee - Rs.500
Annual fees - Rs.500
  • CashBack points are stored as Reward Points and to be redeemed on customer request (1 Reward Point = Rs.1)

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.15,000 or above (for Salaried)

- ITR of Rs.2,00,000 or above (for Self Employed)

HDFC Bank Solitaire Credit Card Joining fee - Rs.500
Annual fees - Rs.500
  • 50% more Reward Points on dining and grocery spends.3 Reward Points on Rs.150 spent.

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.15,000 or above (for Salaried)

- ITR of Rs.2,00,000 or above (for Self Employed)

HDFC Bank Diners ClubMiles Credit Card Joining fee - Rs.1000
Annual fees - Rs.1000
  • Earn 4 Reward Points for every Rs.150 of Retail spends.
  • Earn 40 Reward Points for every Rs.150 of Retail spends on select partners.

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.30,000 or above (for Salaried)

- ITR of Rs.3,60,000 or above (for Self Employed)

Jet Privilege HDFC Bank Platinum Credit Card Joining fee - Rs.2,500
Annual fees - Rs.2,500
  • Earn 4 JPMiles/ Rs.150 for all your retails spends except for fuel
  • Earn 3x (12 JPMiles / Rs.150)* for all travel bookings made on jetairways.com

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.30,000 or above (for Salaried)

- ITR of Rs.3,60,000 or above (for Self Employed)

HDFC Bank Regalia First Credit Card Joining fee - Rs.1000
Annual fees - Rs.1000
  • 4 Reward points for INR 150 spend.

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.60,000 or above (for Salaried)

- ITR of Rs.2,00,000 or above (for Self Employed)

HDFC Regalia Credit Card Joining fee - Rs.2,500
Annual fees - Rs.2,500
  • 4 Reward points for INR 150 spend.

- Minimum 21 years of age & Maximum 60 years of age

- Personal monthly income of Rs.1,20,000 or above (for Salaried)

- ITR of Rs.1,20,00,00 or above (for Self Employed)

Frequently Asked Questions

General Questions

Q. How long does it take to apply for and receive a HDFC Credit Card?

A. It takes only 5 minutes to apply for an HDFC credit card. All you need to do is fill out an application form and submit all relevant documents. You will receive your HDFC Credit Card within a week subject to approval.

Q. What should I do if I lose my HDFC credit card or if my card is stolen?

A. If your HDFC card gets lost/stolen, you must report the same to the HDFC customer care representative in order to block your card. This is done to prevent any fraudulent activities that could happen with your lost/stolen credit card.

Q. What are reward points and how can I use them?

A. Reward points are a form of awards that you earn for the usage of your credit card. These points can be redeemed for gifts, paying your annual fees, or can be even converted to cash.

Q. How does HDFC credit card generate fuel cost savings?

A. Most of the HDFC credit cards offer fuel surcharge waiver to generate fuel cost savings. Fuel surcharge is the extra fee charged by trucking companies to cover the fluctuating cost of the fuel.

Q. Is it a good idea to transfer my balance to new credit card?

A. If you are carrying a balance on a high APR credit card, it is advisable to transfer the balance to a new credit card that offers lower-interest rate. This would help you save a lot on interest costs. However, you should look for a credit card that does not charge a balance transfer fee.

Q. Do I have to pay interest on every purchase made with my HDFC credit card?

A. It depends how you make the payment. If you make a partial payment of the total amount due, you will be charged interest on the remaining amount. Alternatively, if you make the payment on EMI basis, the remaining amount is charged with interest. However, this can be avoided if the card is a no-cost EMI card.

Q. What is a grace period for an HDFC credit card?

A. Generally, every credit card has a grace period that varies between 30 to 45 days. This is also called as interest free period. However, it also depends on the credit card you own.

Q. How do I increase my HDFC credit card limit?

A. The credit card limit increases periodically on the basis of your usage behaviour. In order to increase your HDFC credit card limit, you can approach the bank. However, it also depends on your monthly income, debt-to-income ratio, credit history, and more.

Q. What are the key charges applicable to HDFC credit cards?

A. The key charges applicable for HDFC credit cards are joining fee and annual fee. In most of the cases, the joining fee can be waived off. This is one of the key features of HDFC credit cards.

Q. What happens if my card expenditure exceeds my assigned credit limit?

A. Exceeding your assigned credit limit is known as maxing out your credit card. Maxing out your credit limit has some serious implications, such as a fall in your credit score, interest charge on the balance, and more. Which is why it is never advisable to max out your credit card limit.

Q. Can I use my HDFC credit card at an ATM in a foreign country?

A. Of course! HDFC credit cards can be used in any other country. However, you may need to activate the card for international usage. Moreover, you will have to set the credit limit for international usage.

Q. What are the fees for using HDFC credit card in a foreign country?

A. There are three major charges that can be incurred when using an HDFC credit card in a foreign country:
  1. Foreign Transaction Charge: This is a charge levied for a transaction that has been carried out in a foreign country. HDFC credit card charges a fee of 3.5% of the total transaction amount as Foreign Transaction Charge.
  2. Cash Advance/Withdrawal Fee: There is a cash advance fee that is charged irrespective of whether the card is used the card in India or abroad. There is a fee of 2.5% (minimum: ₹300) of the total transaction amount.
  3. Foreign Currency Conversion Fee: When you make a transaction abroad, the payment is reflected in the currency that you are in. The conversion from INR to that currency requires a charge of 1-2% fee on foreign currency exchange.

HDFC Credit Card Eligibility Questions

Q. Do I need to submit two separate documents for proof of identity and proof of address?

A. If a single document verifies both your identity and address, then you can submit only that document. Documents such as Aadhaar card, Voter ID card, Driving License, and Passport that can verify both the criteria.

Q. What do you need to qualify for an HDFC credit card?

A. The eligibility criteria to qualify for an HDFC credit card are:
  1. The applicant must be a salaried professional.
  2. He/She must be at least 21 years of age and below 60 years of age.
  3. He/She must have a minimum salary of ₹1.5 lakhs/year.
  4. The applicant must have a credit score of 750 or above.
  5. The applicant must provide identity proof and address proof along with the name of the employer, address proof of the company, years of association with the current company, salary slips of past three months, and a bank account validating salary credit of at least the past three months.

Q. What are the Factors Affecting HDFC Credit Card Eligibility Criteria?

A. The HDFC credit card eligibility factors are:
  1. Age Criteria

    Salaried individuals between the age of 21-60 years of age are eligible for an HDFC credit card. For a self-employed individual, it is important to be in the age group of 21-65 years.

  2. Income

    The individual must have a consistent monthly income of at least ₹12500 to apply for an HDFC credit card. The applicant must also provide the salary slips of the last three months and a bank account validating the salary credit of at least the past three months.

  3. Credit score

    The individual must have a credit score of at least 750 or above to be eligible for an HDFC credit card.

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
  3. Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.