In July 2004, HDFC Bank became the first bank in the county to offer credit cards in over 100 cities. Initially, the Credit Card was launched in over 40 cities. In the beginning, the credit cards were issued under three categories namely the HDFC Bank international silver credit card; international Gold credit card and the Health Plus International Credit Card. The Health Plus International Credit Card was the first credit card in India with a special feature of free inbuilt cashless mediclaim.
In the year 2014, HDFC Bank became the biggest issuer of the credit card in the country – a whopping 5.5 million outstanding credit cards were issued by the end of October 2014, as per the data of Reserve Bank of India.
During the same year, the bank introduced the missed call banking service, allowing the customers to access the banking services easily without having to visit the bank personally or using online facilities.
A little more than a million customers started using this facility within a few weeks of its launch.
In 2016, the bank continued the top position of being the biggest issuer of credit cards in India with the issue of around 7.28 million credit cards and a 22 percent of growth over the previous year as per the RBI data.
The HDFC Bank Credit cards base is comparable to the mixed card base of the ICICI Bank and SBI Bank’s credit card.
In February 2018, according to a data released by the Reserve Bank of India, HDFC Credit Card customer base stands at 1.02 crore and it is equal to 28.68 percent of the total credit card customer base in India.
The Housing Development Finance Corporation Limited (HDFC) was the first one to receive an approval from the Central Bank to set up a bank in the private sector during the year 1994. As a part of Reserve Bank of India’s liberalization policy of the Indian Banking Industry, the RBI started to give approval for private players to set up banks as per the set rules and regulations.
The bank was incorporated during August 1994 in the name of ‘HDFC Bank Limited’. Its registered office is located in Mumbai, the financial capital of India. The bank commenced its operations as a Scheduled Commercial Bank in the year January 1995.
The bank’s first office was opened at Ramon House, Churchgate in Mumbai. The bank opened its first corporate office and a full-service branch at Sandoz House, Worli, in midtown of Mumbai. The office was inaugurated by Dr. Manmohan Singh, the then Union Finance Minister.
During March 1995, it launched its first initial public offering of Rs 500 million.
In May 1995, the HDFC Bank was listed on the Bombay Stock Exchange at Rs 39.95 per share. They were listed on the National Stock Exchange in November 1995.
In the year November 1999, HDFC Bank launched international debit card, enabling the account holders to their access bank account from anywhere in the world. It was for the first time an international debit card was launched in association with Visa International in India.
The following are the features for HDFC Credit Card:
• Personalized Offerings – HDFC provides a customized credit card to match the needs and requirements of the individual customers.
• Discount Facilities – HDFC credit card has tie-ups with elite brands ranging from apparel to dining and hence provides great discount facilities, cash back offers and reward points to all its customers on all the days in a year.
• Modernized Security – The HDFC credit card offers its customers highly secured mechanism to conduct online transactions smoothly without facing any hassles.
• Balance Transfer – It provides a facility to transfer the balance from one credit card to another or to transfer the amount to any other account.
• Loan against Card – HDFC credit card provides loan against card without much of paperwork at the doorsteps of the customer on demand.
• Bill Value Program – The credit card can be used to pay bills and for shopping purpose. One can pay mobile, telephone, electricity, insurance bills using HDFC credit card and get cash back benefits and accumulate reward points offer. The following are the Bill Value Programs of HDFC Bank.
It charges an annual service fee of Rs 199 per annum. It provides following benefits:
• Welcome Benefit of 500 Bonus Reward Points on the first utility bill payment (Payment through Smart Pay or directly to the merchant).
Smart Pay Benefit of 2% Cashback on all Smart Pay payments with a max cap of Rs 200 and reversal of Rs 10.
• Smart Pay Transaction Processing Fee (Smart Pay is a standing instruction for making utility bill payments on HDFC Bank Credit Card)
• Direct Pay Benefit – 1% Cashback on all utility bill payments directly made to the billing merchant with a max cap of Rs 150.
The following are the benefits of using an HDFC Credit Card:
• Low-Interest Rates – HDFC Credit card, charges a very low-cost structure with respect to interest rates on all overdue payments.
• Cashless Transactions – With the HDFC Credit Card, the cardholder can transact easily without carrying cash all the time. The user can enjoy hassle-free cash using HDFC Credit Card. It discounts the need to carry cash everywhere.
• Customized Service – HDFC provides a broad pattern of credit card service to match everyone’s taste and expenses. It offers the user a host of benefits which are extremely handy.
• Universal Recognition – HDFC credit cards are universally accepted and facilitate cashless transactions across millions of merchant locations across the world.
• Unique Assistance – HDFC Credit Cardholders are entitled to receive exclusive benefits like reward scheme, loan on credit card facility, online services, EMI option facilities, cashback schemes, EMI option, travel assistance, frequent flier miles, free movie tickets, dining, shopping and fuel surcharge waiver facility and so on. The cardholder can use a credit card for e-shopping and make online bill payments. The cardholder can also extend a loan and it allows the user to pay through EMIs. Additionally, one can even earn discounts and get reward points by using an HDFC credit card.
• Insurance – The HDFC Credit Card was the first credit card in India which introduced a special feature of free inbuilt cashless mediclaim policy. Currently, it provides the insurance facilities under the following categories: Health Insurance, Critical Illness Insurance, Accident Protection Insurance and Super Top Up Insurance.
• Recurring Payments: Although credit cards are your ideal partner for payments, you can also set-up recurring payments for your mobile recharge, electricity or gas bills automatically. There won't be any more possibility to miss payments on time and facing late payment charges.
• Convenience at your hand: No need to carry physical cash on your wallet while you travel, just swipe your HDFC Credit Card and make the payment on your go. You can also link your HDFC Credit card to your wallet which allows you to make payments just by scanning the QR code displayed on the retailer's desk.
• Tickets and recharges: One of the main advantages of a Credit Card over cash is the option to pay across a broader variety of online services. You can buy flight or train tickets for your travel, tickets for movies, recharge your mobile or data cards from your comfort. You can pay for your need easily by using your HDFC Credit Card.
• Premium Travel: HDFC Credit Card allows you to make your journey more exciting, with complimentary lounge access, priority check-in and boarding, extra baggage allowance, etc.
• Rewards Benefits: While using HDFC Credit Card you can earn amazing rewards for your purchase. You can redeem your accumulated reward points against exciting gift items and discount coupons, such as free shopping trips, free flight tickets and more.
A credit limit refers to the ultimate limit set by the credit card provider which caps the users borrowing limit on the credit card at any one time. Usually, the credit limit will be determined by the provider at the time of submission of application and is truly based on your financial status, history, credit limits, credit score and this can vary slightly based on the card and the cardholder.
An individual who has a low income will apply for a low-fee or low-rate card and he/she will most probably get the low credit limit. Whereas the one who happens to be a rich executive and applies for a credit card will get a higher credit limit.
HDFC Credit Card apply either by visiting the nearest branch of HDFC Bank or via online.
For Offline application – through the bank branch, you can visit the nearest HDFC Bank and meet a credit card handling bank’s representative and express your interest to obtain a Credit Card of your choice after going through the various credit card variants. The representative will guide you through the application filling process, wherein you will be required to fill out the form and submit the required documents.
The bank will check whether the candidate is eligible to avail the credit card for which they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card, it will be on the discretion of the HDFC Bank to decide if a customer has to be given Credit Card or not.
For HDFC Bank Credit Card apply online, you need to visit the HDFC Bank’s official website and follow the list of procedure as given below: HDFC Bank Credit Card Application Form
1. Select the type of Credit Card you wish to apply for as per the individual requirement after going through the features of the card in detail.
2. Click on the ‘Apply Online’ option.
3. Enter your mobile number in the specified column and click on proceed option
4. A one-time password (OTP) will be sent to the respective mobile number for verification
5. Now enter the OTP and click on the proceed option
6. Enter the personal details including the
• Date of Birth
• Residential Address
• Employment Type
• If you have a Credit Card, then mention the details about the same
• In case if you have applied in the last six months then select the appropriate option
7. Enter the captcha code and proceed further
8. You can select from the list of the cards as per the individual requirements
9. Select Apply option and proceed further
10. You have to fill up the online application form with correct details and submit the same and thus you complete submitting the online application form to secure credit card.
11. Once the details are filled in, the bank will check whether the candidate is eligible to avail the credit card for which they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card, it will be on the discretion of the HDFC Bank to decide if a customer has to be given Credit Card or not.
12. If you have fulfilled the criteria, you will get a call from the HDFC Bank executive regarding the application form after which a representative from the Bank will visit you to collect the required documents.
13. Once the application is approved, the respective Credit Card will be delivered to your address within a week.
Applicants can also apply for an HDFC Bank’s Credit Card, by using the customer ID and mobile number via online.
The list of HDFC Bank Credit Card eligibility criteria:
• To apply for HDFC Bank’s Credit Card, the individual should have attained a minimum of 21 years of age. Anyone falling in this category is eligible to apply for a credit card with HDFC Bank.
• The applicant should be a resident of India or Non-Resident Indian.
• The applicant should have a good CIBIL Score.
• The applicant should have a regular source of income
• The applicant should have a minimum income of Rs 18,000 per month
• The applicant should be a regular employee working in an established company or a self-employed professional managing own business.
• One Identity Proof issued by the government of India – Election Voters ID, Driving License, Aadhaar Card, Passport, Ration Card.
• Proof of Income – Last 3 months salary slip or last 3 months bank statement
• Address Proof – Electricity Bill (latest or previous month), Phone Bill (latest or previous month), Rental agreement, Flat maintenance bill (latest or previous month), bank statement (latest or previous month), Passport, Driving License
• PAN Card.
• Passport size photograph
Higher Interest Rates
Most of the banks and financial institutions charge a hefty interest rate and this is one of the drawbacks of using a credit card. Some banks charge an interest rate to the tune of 4% per month. Higher interest rates may drag the user into deeper debt if timely payment is not done. A credit cardholder can pay off purchases in full before the end of the grace period and avoid interest rate charges or one can apply for a card which comes with 0% introductory APR to give the holder with ample time to pay off purchase bills without racking up the charges.
Ease of Spending
The credit cards are introduced to ease the spending process and this will prove costly for spendthrifts as it may become difficult for such individuals to detach from using the card. Swiping the plastic money does not seem to be a big thing for some people but in reality, the piling up of unpaid bills will end you up to get entangled in suffocating debt.
Destroys Credit Score
If a cardholder does not pay bills on time then his credit score will come down spirally. On missing payments, the cardholder will end up carrying a higher balance. The situation holds good even for those who have too many open credit card accounts.
The earlier, the better when it comes to credit card bill payment date. The credit cardholder should at least pay their credit card due bill before or on the due date every month. But in some cases, if you can afford then do a favour for yourself by paying the bill even earlier or whenever your credit utilization gets closer to or exceeds 30%.
The credit card bill due date signifies that your credit card billing cycle has come to an end and its time to make the necessary repayment. The due date need not necessarily be the time when your current balance will be reported to the credit bureaus and this is the reason as to why it makes sense to pay the bill ahead of the actual due date.
Let’s take a look at the credit utilization ratio and its impact on credit score. The Credit Utilization Ratio is the amount which a credit cardholder owes about how much he/she has available. Suppose, if you have a card with Rs 10,000 as credit limit and your outstanding balance is Rs 4,500, then your credit utilization is 45%. Utilizing the credit limit heavily influences the portion of your credit score which determines the amounts owed.
The lower the utilization, the better for the cardholder. A ratio which is higher than 30% will shrink your credit score points and hence it is important to stay below the threshold limit. This is when changing up your credit card payment date comes into the picture.
Most of the credit card issuers will be reporting your balance to the credit bureaus on a particular day each month and it may need not be necessarily on the due date.
Customers who access the HDFC Bank Credit card using the Net Banking facility can view all the account information quickly and easily. The online features of the credit card help the users to view the
Securing a rise in credit card limit feels like getting a raise on your salary or getting promoted. The situation is considered as a big moment in your credit life and this holds especially good if you are new to a credit card or you are trying to rebuild a bad credit score.
A bigger credit limit will increase your purchasing power but that is not the only pros. A higher credit limit will mean a lot of good things for the credit card holder as long as they do not go on a shopping spree and end up going overboard with the newly available credit limit.
Here are ways as to how you can get a credit limit raise:
Automatic Increase in Credit Limit
Some of the credit card issuers will automatically raise your respective credit limit if they find you that you handle your credit responsibly. In this case, they only charge a meagre percentage of your total credit limit, if you make payments regularly. Most of the credit card providers will review your accounts periodically and will automatically increase the credit limit for those individuals who meet their criteria.
Raising a Request to Increase Credit Limit
Some of the credit card providers automatically increase your credit limit, while some will raise it after receiving a request from the respective cardholders. To initiate the process, you will have to raise a request through the call centre by dialling the toll-free number and then choose the option carefully after listening to the prompts for requesting a credit limit raise. If the option does not exist, then speak to the customer care representative and place your desired request.
Some of the credit card providers even provide an online option for customers to increase the credit limit from their online account. For this, firstly log in to your online account, look out for a menu option and request for a credit limit raise.
The HDFC Credit Card Statement will be received every month and it mainly records all the transactions which the credit card holder makes during the previous month. The credit card statement will be sent either courier to your corresponding address or you will receive it as an e-mail statement or both, based on how you have opted to receive the statement.
HDFC Credit Card users can view this statement online via Net Banking also. One should check this statement carefully as it is an important document. If you come across any unauthorized or suspicious transaction, then the same should be bought to the immediate notice of the bank.
Important Things to look out for while viewing HDFC Credit Card Statement:
The HDFC Credit Card Statement will include the chronological list of all the transactions which you have made during the statement period. Domestic and international transactions will be listed separately. Each of the transaction will include the date of the transaction, description of the transaction and the value of the transaction. It also includes any credits to your account, for example – credit card bill payment which you have made or a refund that you may have received. Such transactions will be marked as ‘Cr’ next to the amount column. It is always advised to check each of the items against the charge slips or transaction alerts.
At the time of reading the summary, do check the total dues (the sum of all the transactions during the statement period plus any past dues) and the minimum due amount (the amount you should pay to avoid late payment charges).
This will give an overview of how much you have paid to the bank and how much you spent and past due amount if any.
While reading the HDFC Credit Card Statement do check the statement date (the date on which the statement was generated) and the payment due date (the date by which you should pay the total dues to avoid late payment charges).
Check your credit limit (it is the limit up to which the cardholder can spend in a month), available credit limit (the credit limit minus what you have already spent) and available cash limit (how much one can withdraw from ATMs)
Reward Points Summary
This section will highlight the accumulated reward points during the statement period and in total. It all informs you that if any points are likely to expire and the points you may have claimed.
If any special offer is going on then the same will be included in this section.
Statutory and Important Information
This will include the terms and conditions, payment options, changes to the card member agreement and relevant details like how to hotlist lost or stolen cards.
It is one of the best method to get the HDFC Credit Card statement online. You'll need to register your credit card with HDFC net banking to access this service. If you're a current user, your credit card will be linked directly to your active account, or you have to go through the manual process to link your credit card.
Benefits of HDFC Credit Card Statement
HDFC Credit Card statement provides a detailed summary of purchases, recent transactions, payments, pending dues etc. Apart from this, an HDFC Credit Cardholder can get some other benefits after requesting or getting the HDFC Credit Card statement.
Strategies to overcome the errors of the HDFC Credit Card statement
Sometimes, due to several errors like multiple credit card swiping, invalid transactions can occur which are addressed in your credit card statement. When you find these discrepancies in your card statement, submit the matter to the bank and request to fix it instantly. You can also make a discussion with the retailer against whom the particular transaction has been processed. You can report the incident to the creditor's branch and request an inquiry that relies on the credit card billing statement. Within 30 days of receiving the billing statement, you must write to the Department defining your complaint. You are mandated to provide a copy of the statement and other evidence required for the inquiry.
The HDFC Credit Card provides its customers a wide variety of credit cards that gratifies diverse customers needs and requirements. The bank understands the changing requirements of the customers and transfers the knowledge in their credit cards which they offer. It provides money back policies, travel, several rewards, travel, shopping, elite credit cards to meet the customer's devoir.
Use your HDFC Credit Card both convenient and secure travel, entertainment, shopping, bill payment and more. HDFC Credit Cards is your perfect partner when it comes to making secure, convenient and easy transactions. The cards allow the cardholder to make easy bill payments, online shopping, EMI transactions and more. Apply for HDFC Credit Cards online and earn miles and get discounts against your purchase. If you love to travel overseas then apply for prepaid Forex Cards.
Whether it's a retail transaction, fuel pump, movie tickets, shopping, online travel booking and more HDFC Credit Cards are crafted with a range of discounts, cashback and rewards which sure-shot makes your lifestyle premium. We have categorised HDFC Credit Cards according to the different categories, scroll down and bring a smile to your face now by selecting a perfect credit card according to your needs.
The standard card — like the HDFC Bank Platinum Plus Credit Card — is among various forms of the credit card. It's a perfect card for your first experience of using a credit card. It includes enough of a Credit Card's comfort and security and blends it with benefits such as Loyalty Points, fuel surcharge waivers, affordable joining/annual fees and more. Apart from this, you will also get three add-on cards that you can share with your nearest and dearest.
You can switch to a luxury card such as the HDFC Bank Visa Signature Credit Card based on your spending habits and income. A premium HDFC Card enables you with increased spending caps, more Reward Points and other perks. This also offers several premium lifestyle benefits such as complimentary lounge access, air-accident cover, dining benefits and more. Premium cards are the ideal partner for those who are a frequent traveller.
These are the top variant credit cards provided by HDFC to perfectly suits to your super-premium lifestyle. Cards like HDFC Bank Infinia Credit Card or HDFC Bank Regalia Credit Card are categorised as super-premium credit cards. You can experience benefits such as complimentary lounge access at select airports, complimentary golf games, personal concierge, reward benefits, amazing discount at dining and much more. Such cards are crafted with high credit limits and are accessible through invitation only.
By using HDFC Bank Credit Cards, you can receive loyalty points, cashback, coupons and amazing discounts for all your transactions. Below listed are the HDFC Credit Cards which will offer you outstanding shopping benefits.
An HDFC Bank account holder can do HDFC Credit Card Payment through below-mentioned methods.
HDFC Credit Card Bill Payment via Autopay
The cardholder can provide standing instructions to debit the HDFC Bank Account automatically for either the minimum amount due or the total monthly outstanding amount on the respective Credit Card through HDFC credit card login. The account with HDFC Bank should be a sole or a joint account with an 'any' or 'either' signing mandate.
Benefits of HDFC Credit Card Autopay Feature
How to Register For Autopay Feature
HDFC Credit Card Bill Payment via NetBanking
HDFC Bank savings/current account holders can register for the NetBanking facility and transfer the outstanding HDFC Bank Card Payment amount via online. To link the Credit Card to NetBanking, please log in to the HDFC Bank NetBanking account and link the respective account to Credit Card using the Credit Card ATM PIN. HDFC Credit Card Login can be done using the virtual keyboard on its official website. The users can only enter the password using the virtual keyboard. HDFC Credit Card Net Banking brings in an array of benefits to the users.
HDFC Credit Card Bill Payment via ATM Funds Transfer
Walk into any HDFC Bank ATM in India, at any time and transfer the bill amount from the Savings or Current Account to the Credit Card Account.
HDFC Credit Card Bill Payment via Mobile Banking Application
Download and install the HDFC Bank Mobile Banking App on the personal mobile phone and enable internet access. Log in to the Mobile App using the Customer ID and go to the ‘Credit Card’ tab, choose ‘Credit Card Payment’ and make the payments using HDFC Bank Savings Account.
If an individual does not have HDFC Bank’s Savings account then he/she can pay their credit card bills through one of the following ways
HDFC Credit Card Bill Payment via Non-HDFC Bank NetBanking – BILL DESK
One can now make Credit Card payments online from any other bank account that they maintain, if the individual does not have an account with HDFC Bank, then they can make payment at Bill Desk.
HDFC Credit Card Bill Payment via NEFT/ Visa Money Transfer
One can transfer funds from any other bank account to the HDFC Credit Card account electronically. Please contact the nearest bank for more details on NEFT/VISA Money Transfer. Check the branch’s IFSC Code properly for credit card payment through NEFT.
HSBC credit cardholders have many options for making bill payments. Timely payment of the invoice is necessary if customers want to avoid paying late fees. Payment of HSBC credit card bills can be made easily via the method below.
Pay your outstanding HSBC credit card bills online from any bank account in 3 simple steps:
Step 1. Provide your card details
Enter your 16-digit HSBC credit card number and the amount you want to pay.
Select your bank account from which you want to make this payment.
You will be redirected to the secure payment section of your selected bank.
Step 2. Confirm payment
Enter your authentication information (Net Banking user ID and password for your bank account/equivalent information).
Confirm the payment amount.
Your account will be debited instantly.
Step 3. Receive an online confirmation
You will receive a message to your registered mobile number, online transaction confirmation message on the screen and a transaction reference number.
HDFC is one of our country 's largest credit-card provider with a customer database of more than 10 million. HDFC gives seamless benefits to its credit card users. And it is mandated to pay credit card bills on or before the due date or else you will have to pay an interest amount in addition to the principal amount. Moreover forgetting your due date can also harm your credit score. However, you don't have to worry about your due date as you can render instant payment of HDFC credit card bills on Paytm.
Making HDFC Bank credit card payment on Paytm is very easy and quick, as you have to go through simple steps to make your payment complete. Through the Paytm app or Paytm web you can make your credit card payment within a minute, which will not only reduce your time but also minimize your efforts also. While utilizing Paytm for paying your pending dues you can also get a range of payment options that are flexible and seamless too. You can pay your HDFC Credit Card bills via Debit Card, Credit Card, Net Banking and UPI (UPI is accessible only on Paytm Mobile App).
How to make HDFC Credit Card Payment through Paytm
Note- In case of any issue call to 24x7 Paytm Customer Helpline Number 0120-4456-456
HDFC offers a wide range of online payment forms, including net banking and money transfer NEFT / VISA. auto-payments are also available. Cash payment at HDFC bank branches, cheque and ATM cash transfer include the off-line payment methods. You must make sure your card is approved for the net banking service provided by your bank if you would like to allow HDFC credit card payments by other bank debit cards. Already, 60 banks throughout the country including two digital banks accept payment with a credit card through HDFC. HDFC's Bill Desk facility allows you to pay your credit card bills if you have a debit card from any of the banks along with net banking access. HDFC provides debit card payments from about 60 banks, including the SBI. You can use SBI debit card to pay HDFC credit card payments if you are using your SBI savings bank account. You can use HDFC Billdesk to make payment online if you have an SBI active banking account.
Steps for HDFC Credit Card Payments through Debit Card Online
Steps for HDFC Credit Card Payments through Debit Card Offline
HDFC Smart Pay is the automatic bill payment service with standing instructions on credit cards. With this auto payment facility, you can pay your utility bills and with no hidden charges. Never worry about due dates and enjoy amazing cashback, rewards for your every payment.
HDFC Smart Pay facility is loaded with tons of features which are listed below:
Scroll down and go through the below given online and offline process to get registered for Smart Pay.
After successfully securing the HDFC Credit Card, the bank will send you a Personal Identification Number (PIN) to your respective registered mail address in a secure tamper-proof envelope. The HDFC PIN is a 4 digit unique number. For Security reasons, one will first receive the credit card to the mail address and then a confidential letter which consists of the PIN will be sent to you. After receiving the PIN, you can activate your card either at the HDFC bank near me or using the net banking account.
Procedure to activate HDFC Credit Card through ATM
Step 1: If one is opting for activation of HDFC credit card through ATM, one has to call HDFC Phone banking and request them to send an OTP (one-time-password) to your registered mobile number.
Step 2: After receiving the OTP, visit the HDFC Bank’s ATM and insert your credit card in the provided slot.
Step 3: Select the ‘Preferred Language’ and choose the ‘Create new ATM using OTP’ option.
Step 4: Enter the OTP which you received on your registered mobile number in the provided space.
Step 5: You will be asked to enter your registered phone number for verification purpose.
Step 6: After this proceed further and you will be asked to enter the new 4 digit PIN.
Step 7: Now enter the new PIN as per your convenience and click on the ‘Submit’ option.
Step 8: Now your HDFC Credit card PIN will be successfully changed and you will be able to use your new PIN for further transactions.
Procedure to activate HDFC Credit Card through NetBanking
Step 1: Visit the official web portal of HDFC NetBanking using the customer ID and password.
Step 2: Navigate through the ‘Credit Cards’ tab.
Step 3: Choose the “Credit Card ATM PIN” option.
Step 4: Select your HDFC Credit Card from the drop-down section and click on the ‘Continue’ tab.
Step 5: You will be asked to confirm the transaction. Proceed further and click on the ‘Confirm’ tab and the new credit card PIN will be sent to your mailing address.
Step 6: You will now receive a new PIN, upon receipt of the same you can visit the nearest HDFC Bank’s ATM and change the pin to activate HDFC credit card.
After submission of application with relevant documents, one can check their HDFC Credit Card Application Status using multiple avenues. One should keep in mind that they should keep the below-mentioned list of information ready with them before checking the HDFC Credit Card Status
The banks use the combination of the above-listed information to authenticate that the person is indeed looking out for HDFC Credit Card application status and the applicant is a genuine and reliable user.
Check HDFC Credit Card Application Status Online using Net Banking accounting
The official web portal of HDFC offers a link for HDFC Credit Card tracking. Visit the official web site of HDFC, select the personal header proceed further and opt Products option and then select Cards, later choose Credit Cards, in this page under credit cards select the option Track your Credit Card. Here fill in the details of Application Reference Number (16 digit application reference number) or enter the Application Form Number (enter the form number as per the application form) or enter your Date of Birth (as provided in the credit card application form) followed by mobile number and captcha code and click on the ‘submit’ button to know the current status.
Offline using SMS alerts
If the applicant has registered for SMS banking, then you can send as SMS to know the current Credit Card Application Status.
Offline Using HDFC Bank’s Customer Care Representatives
The applicant can also check the HDFC Credit Card application status by dialling up the HDFC Credit Card customer care number. The executives at the customer care will enquire the application number or reference number, date of birth, mobile number for identification purposes and the same will be checked in the system to know the current status and accordingly, information will be provided to the applicant.
Offline by visiting the nearest HDFC Bank
If the applicant has access to the nearby HDFC bank, then he/she can walk in along with the application details and check the HDFC Credit Card application status with the representatives of the bank directly. The representatives will check their system and will update the status of the same.
The standing instruction facility on the credit cards under the BillPay mechanism takes care of the bill payments and this will be done automatically without the need for the credit card holders to write cheques or wait in queues to make payments. HDFC Bank will ensure that it is paid on time and there is no need to worry about keeping the billing deadlines in mind. Apart from this, one can also get a 5% cashback on utility and telecom payments using this facility via HDFC credit card. By using this facility the HDFC bank customers can get 5% cashback for the first 12 months of registration and there will be no processing fee or transaction fee. The service is completely free for all the HDFC Bank customers.
A cardholder can visit the nearest HDFC Bank and meet an executive and inform about the intention to close the existing credit card.
Fill in the details of Credit Card Closure Form and submit the same to the Branch Manager. Once the process of cancellation is initiated, the card holder should cut the respective credit card diagonally. The request will automatically lead to the termination of the add-on cards.
Termination will be effective after payment of all amounts outstanding on the card account.
Cardholders can also download the Credit Card Closure Form. After filling up the form the same can be sent to The Manager of HDFC Bank Credit Cards, P O Box 8654, Thiruvanmiyur, Chennai – 6000041. Or the cardholder can also write to the manager of the corporate office at the same address.
The Cardholder can also call the HDFC Credit Card customer care number and can cancel their credit cards at any point of time by dialling the toll-free number at 1800-425-4332.
Before closing the credit card account, the users will have to remember the following list of points:
After securing the HDFC Credit Card, one should generate the 4 digit PIN to activate the card to carry on online and ATM transactions. It is the practice of most of the banks in India to provide a new credit card PIN at the time of issue of a new credit card. The same will be sent to the user either at their residential address or will be sent as a Green PIN OTP to the registered mobile number.
The physical PIN will be the actual credit card PIN, the Green PIN is an OTP and should be used to develop the actual credit card PIN.
After obtaining the PIN for the HDFC Credit Card, one has to activate it soon by generating a new credit card PIN. Post this the respective credit card can be used for online shopping or ATM withdrawal purpose.
Methods to generate HDFC Credit Card PIN
Two ways are using which users of the credit card can generate HDFC Credit Card PIN.
Post receiving the credit card, visit the nearest HDFC ATM along with your credit card to generate the PIN. Please note that before heading towards the ATM, make sure that you have received the OTP on your mobile for the generation of PIN.
In case if you have still not received any OTP from the HDFC Bank, then call up the HDFC Credit Card Customer Care and raise a request to receive the OTP for credit card PIN generation.
Follow the below-mentioned steps after reaching the HDFC ATM
If the credit card holder is an existing HDFC net banking user, then you can log in to your account online and generate HDFC credit card PIN instantly. If in case, you do not have an online account, then you can register for HDFC net banking using the new credit card.
Follow the below-mentioned steps to generate credit card PIN
After successful completion of the procedure, the screen will display the message of creation of new PIN has been successful. Now you can start using the same for ATM transactions and shopping purposes and activate the HDFC credit card.
Do protect your HDFC Credit card from hackers and fraudsters and make sure to follow some of the safety precautions as mentioned below:
An existing HDFC Bank account holder can register for credit card net banking services by following the below steps:
Whenever the credit applicant receives the physical PIN from the bank, it is always advisable to change the PIN before using the card. One has to change it, in case if you forget your old PIN or when you plan to update it by using any of the below-mentioned methods.
Change HDFC Credit Card PIN at ATM
You will be receiving a message from the bank on your registered phone number that PIN has been changed. If in case, you have not attempted to change it then you will have to contact the bank immediately.
Change HDFC Credit Card PIN through Net Banking Account
You will be receiving a message from the bank on your registered phone number that PIN has been changed. If in case, you have not attempted to change it then you will have to contact the bank immediately.
Change HDFC Credit Card PIN by sending SMS
One has to send an SMS to 5676712 from their registered mobile number in the following format ‘CCPINXXXX’, here XXXX will represent the last 4 digits of your credit card number.
The term NEFT stands for National Electronic Funds Transfer and it is solely maintained by the Reserve Bank of India (RBI). Initially started in November 2015, it was established and managed by Institute for Development and Research in Banking Technology (IDRBT). NEFT helps bank customers in India to transfer funds between any of the two NEFT enabled bank accounts on a one – to – one basis using the electronic messages. The fund transfer in NEFT is settled in half-hourly batches with 23 settlements happening between morning 8:00 until 7:00 in the evening during weekdays and on first, third and fifth Saturday’s of a calendar month. If in case, a transfer has been initiated post the above given time, then it will be settled in the next available window. There will be no settlements done on the second and fourth Saturday or Sundays of the month or during public holidays.
HDFC Credit Card users can make use of NEFT internet banking payment options to remit their credit card bills, to do so one should have an HDFC Bank Savings Bank Account.
The term IMPS refers to the Immediate Payment Service and is an instant payment meant for inter-bank electronic funds transfer systems in India. It offers an interbank electronic fund transfer service through mobile phones and is available between 8:00 am till 8:00 pm in the night throughout the year even on bank holidays. IMPS is managed by the National Payments Corporation of India (NPCI) and is built upon the current National Financial Switch Network. The system was publicly launched on November 22, 2010. As of now, there are 53 commercial banks, 101 rural / district/ urban and cooperative banks and 24 prepaid payment instruments which have signed up for the IMPS service. As per the official records, close to 200 million IMPS transactions which come up to 20 billion dollars of transaction amount occur every month in India. The sender will have to know the bank account number and the Indian Financial System Code of the beneficiary to transfer money.
To avail this facility, one should be registered for the HDFC internet banking and if not, then you cannot make any credit card payments online.
The beneficiaries can be added online. Follow the below-mentioned procedure to add beneficiaries for IMPS.
Please Note: Beneficiaries will be added and confirmed within 30 minutes.
The HDFC Regalia Credit card is designed to suit the needs of the premium lifestyle. It offers maximum luxury and travel benefits added with high reward points on every purchase.
Features of HDFC Credit Card Regalia
Benefits of HDFC Regalia Credit Card
HDFC Regalia Credit Card ranks among HDFC Bank's most successful cards. It provides multiple categories of benefits including dining, travel, shopping and more. Let's know about the benefits of the card by going through the below-listed benefits.
Zomato Gold Membership
Get 1 year complimentary Zomato Gold membership and enjoy 1 + 1 on foods or 2 + 2 on beverages at partner restaurants. Get up to 40% off and one complimentary dish on food delivery at selected restaurants across India.
Spend a minimum of Rs 150 and get 4 reward points for your purchase. Redeem the accumulated reward points against a selection of exciting products, gift vouchers and cashback with a value of Re 0.75 for 1 reward point.
Medical Insurance Cover
Get an Rs. 15 Lakhs medical cover against any medical crisis while traveling outside India.
Low Foreign Currency Markup Fee
Only pay mark-up fees of 2% on all foreign currency spend.
Eligibility Criteria for HDFC Regalia Credit Card
It is the platform where you can manage your credit card in an easy and smart way. Make your day to day needs more convenient and secure. Get notified for your credit card dues and pay instantly. Get 24x7 customer support for your credit card issues or complaints. Manage your reward points and redeem them, no matter where you are.
So what are you waiting for?
Scroll down and know all the benefits of HDFC NetBanking services
How to Register for HDFC Credit Card Net banking
It is an instant loan facility that is provided by HDFC Bank to its selected customers only. When the loan is applied, it is approved online, and the loan amount is credited to your bank account instantly without any need for documentation or paperwork. The amount of the loan can be rendered in equated monthly installments (EMIs). To apply for HDFC Insta Loan via Net Banking facility please follow the below-given steps:
HDFC SmartEMI enables you to convert your big purchases into easy EMIs. The facility is only available for selected HDFC customers and the purchase can be converted into EMI if the purchasing amount is above Rs 2,500. Please follow the below-given procedures to apply for HDFC Smart EMI through net banking.
By using HDFC net banking facility, you can apply for new IPIN in case you lose or forget your credit card PIN.
If you want to change your net banking password, use the HDFC internet banking account to do so by following the steps below:
HDFC Bank Mobile Banking is a self-service mobile app for all the Indians which allows you to take complete access to all your credit card information. Log in with your Net Banking Id, Password and explore a world of convenience just with a few taps. No matter where you are just with your HDFC NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of HDFC Credit Card App and how to use it.
Benefits of HDFC Credit Card App
Register and Download HDFC Credit Card App
Through HDFC Credit Card Login get in touch with the entire transaction details done by your credit card. It is one of the most convenient and secure platform to get access to your credit card. No matter where you are just with your HDFC NetBanking Id and Password you can explore the world of benefits anytime anywhere. Scroll down and get to know the benefits of HDFC Credit Card Login and how to use it.
How to Login
For existing user
For New User
HDFC Bank offers reward points on nearly all items, whether a travel credit card, a shopping card, a credit card for dining or a credit card for groceries. Users will gain HDFC credit card reward points anytime they swipe their card in or use it online at a shop. Reward points are credited through your credit card account each time you make payments with your credit card. Once a sufficient amount of reward points have been accrued, you can redeem them against gift vouchers.
You can earn reward points depending on your spending habits and the card you hold. For example, in online shopping, HDFC MoneyBack Credit Card provides double rewards and you can add your online expenses on the card to increase your reward points. On the other side, HDFC Bank Diners ClubMiles helps you to receive 10 times more points when you use it for overseas shopping and you can use this credit card while going abroad if you want to earn more points.
Reward points are credited into your credit card account each time you make payments with your credit card. At a certain amount of reward points have been collected, you can redeem those against gift vouchers. You can plan your expenditures depending on the type of credit card you use in a way that supports you to collect more reward points. For instance, HDFC MoneyBack Credit Card delivers rewards on online shopping and you can add your online purchases on the card and increase the reward points.
On the other side, when you use it for overseas shopping, HDFC Bank Diners ClubMiles helps you to receive 10 times more rewards and if you want to receive further rewards, you can use this credit card while traveling overseas. Also, you should note that the reward points have a specific validity period. The points are expired after a specified period of time. The reward points are only available for 2 years on most HDFC credit cards so you must redeem them before the valid period. Most cards may carry a validity of 3 or more years.
The users of HDFC Credit Card can either opt for redeeming their accumulated reward points either through online or offline mode.
For Online Redemption, follow the below-mentioned process:
Please Note: The redeemed points cannot be revoked and it is better to keep the redemption order number generated for reference.
For Offline Redemption, fill in the redemption form and mail it to the HDFC Bank or you can download the redemption form from the official HDFC web site.
The credit cardholders of HDFC Bank can check the balance of the respective card either by
The users of HDFC Bank can avail the SMS banking facility which helps the credit card users to check their card’s balance and other cards related information by following a few simple steps.
Whenever the user intends to know his or her credit card balance, send as SMS in the below-mentioned format from your registered mobile number
Note: While sending out an SMS make sure, that you send it from your registered mobile number. SMS charges will be applicable as set by your respective telecom operator.
HDFC Credit Cardholders who have lost their card can easily raise complaints to the customer support team. Customers can reach to the customer support executive through tollfree numbers, Email, SMS and by writing to the grievance officer. Apart from this, the bank offers many ways to block the cards like Netbanking, Phonebanking or by visiting the nearest branch. Scroll down and know the step by step guide to block your lost HDFC Credit Card.
How to block HDFC Credit Card via Netbanking
How to block HDFC Credit Card via Phonebanking
How to block HDFC Credit Card by visiting Branch
HDFC Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. An applicant can do this by adding the credit card as a beneficiary. HDFC Credit Card IFSC Code is HDFC0000128.
Benefits of HDFC Credit Card IFSC Code
How to know HDFC Credit Card IFSC Code?
To know about HDFC Credit Card IFSC Code, an applicant have to go through an easy and simple process. This code can be found online on various websites. The applicant can also directly contact the bank for the same. Using the correct IFSC Code is very essential in order to avoid any kind of troubles. The card will first have to be enrolled as a beneficiary to receive payment from any bank account, in order to allow HDFC Credit Card bill payment via NEFT. In spite of the account number, the 16-digit card number is used and the name as on the card is used as the name of the account holder.
Through bill desk service, you can pay your credit card bills from any bank account. Billdesk allows applicants to pay their credit card bill quickly and conveniently No need to visit the bank or to write cheques. Simply log in with your account and complete your payment process.
Benefits of HDFC Credit Card Billdesk
Applicants can make payments to their HDFC Credit Card in 3 easy steps. Scroll down and go through all the steps to make your payment complete
Enter your HDFC Credit Card payment details
Confirm your Payment
Applicants who have applied for HDFC Credit Card can track the application status of their credit card through below given process
Details Required to track HDFC Credit Card
Online Process to Track HDFC Credit Card
Offline Process to Track HDFC Credit Card
Apart from the online process applicants can also go through offline process to check their credit card status. Below given process is to track HDFC Credit Card via offline
Call on the tollfree number:1800 266 4332 this number is available 24x7 including holidays.
Applicant can also go to the nearest HDFC Bank with the application number to track the application status of their applied credit card
In-progress: When the application is still in process, you will get the status as ‘In progress’.
On-hold: You will receive ‘On-hold’ status, if you have submitted any incomplete documentation or details.
Approved: You will find the ‘Approved’ status, once your application has been approved. You will receive your card to the address mentioned in the application form.
Dispatched: Once your card is dispatched, Dispatched status show on the screen. It will take 2-3 business days to deliver your card at your doorstep.
Disapproved: A ‘Disapproved’ status displayed when your application has been rejected. This happen when you cannot meet the eligibility criteria of the credit card.
No records found: If you enter any incorrect details, the screen will display ‘No records found’ status. Re-enter the correct details to get the status complete status.
Below listed are one of the best HDFC Credit Card. Each of the cards has its own unique benefits and offers. Scroll down and go through the category/annual fees of one of the best HDFC Credit Cards
Introducing a range with exciting advantages with GLOBAL VALUE. Get registered for the programme with your HDFC Credit Card and experience a variety with delightful perks while you use the card for overseas transactions. This programme comes with an annual and renewal fee of Rs. 199. To get registered please get in touch with the 24x7 customer care service. Your request will be processed within 5 working days and you will be authorized for the GLOBAL VALUE program on your credit card and you can start experiencing the perks. Once you are enabled for the programme you will get the service confirmation on your registered mobile number and email id.
Points to keep in mind:
Shop with your HDFC Credit Card and get amazing deals and exclusive offers. If you are an Internet Banking or Mobile Banking user you can get offers from numerous brands and also you will get an advantage of the deals and online offers. Scroll down and get in touch with all the offers. The HDFC Credit card offers reward points that can be accumulated and redeemed to avail several offers which range between shopping, cashback, dining, flying air miles and so on. Each card comes up with a unique offer, rules which are meant to utilize reward points. Get complimentary access to airport lounges in India and abroad or get complimentary golf games at some of the golf centers in India.
Rental Cars Offer
Music Ville Pvt Ltd.
New India Electronics
Gothisons Enterprises Pvt Ltd
Anushka Mobile Center
Popular Tech Media
R.S Mobile Store
A Super Mart
Palki-The Saree Shop
Ruprang Designer Sarees
Nirupam The Family Shop
Zen Store 13
Asnani Home Appliances
New Vishwanath Vastralayam
PL. KAY BABY’S WORLD Offer
Geek By Sensation Offer
V.P Traders Offer
Sri Nivasa Store Stop and Shop Supermarket
Faizuls Communication Offer
Homely Basket Offer
Bhagwati Musical Store Offer
Sunder Electronics Store Offer
Top Ten Electronic Shoppe
Sai Sai Pavani Home Needs
FAYE (TUIBINZ TRADING) Offer
STYLE BU-DZINERS BRIDAL BOUTIQUE
Mysore Music House
Electro World Offer
Esquire Air Conditioning Offer
Mustafa Men's Wear
The Fashion Closet
Isha Designer Boutique
Hair Bar Unisex Salon
XPOZE TATOO Offer
Unique Mobile Shop Offer
Yuvraj Fashion Mall
Francis Shopee Corner
Rakhiwala House of Electronics
Five Concept Men's Wear
V Lounge Unisex Salon
Nidhi Dental Spa & Skin Clinic
The phone numbers and email addresses listed here are the only HDFC Bank Customer Care numbers that you should use. Your Debit / Credit / ATM / Forex / Prepaid / Bearer Card's reporting loss is available 24 hours a day, including Sundays and Holidays. Dial the numbers as per your location or city and solve your credit card related issue instantly. Below given are the customer care numbers as per the city. You must keep in mind that the numbers are not toll-free and you will be charged accordingly.
If you are from any of the below given cities, call on 1800 266 4332 for any credit card related queries
Agra / Ajmer / Allahabad / Bareily / Bhubaneshwar / Bokaro / Cuttack / Dhanbad / Dehradun / Erode / Guwahati / Hissar / Jammu and Srinagar / Jamshedpur / Jhansi / Jodhpur / Karnal / Kanpur / Madurai / Mangalore / Mathura / Meerut / Moradabad / Muzaffarpur / Mysore / Pali / Patiala / Patna / Rajkot / Ranchi / Rourkela / Salem / Shimla / Siliguri / Silvassa / Surat / Trichy / Udaipur / Varanasi
Please call on the below given Toll-Free number(for India only) around submit a complaint without validating yourself. This service is only accessible on all days from 8.00 a.m. to 8.00 p.m.
1800 258 3838
Call on 044 – 61084900
You can call between Monday to Saturday from 9:30am to 5:30pm
This service is not accessible on 2nd & 4th Saturdays, all Sundays and Bank Holidays
Or else you can also write to Grievance Redressal Officer and send it to the below given address
Manikandan PS ( Grievance Redressal Officer )
HDFC Bank Cards Division,
8, Lattice Bridge Road, Thiruvanmiyur,
Q: What features do HDFC Bank credit cards offer to a customer?
A: HDFC bank provides the following features to credit card customers:
Q: What should I do if I lose my credit card or if my card is stolen?
A: In case you have lost your credit card or it has been stolen, the priority is to first, block the card and prevent unauthorized transactions. Please call the card issuer’s customer care number from your registered mobile number and inform them of the card loss/theft so that the card is blocked and they will replace a new credit card.
Q: What type of dining benefits can my HDFC bank credit card provide?
A: In case of many credit cards, you may be eligible to receive a range of dining benefits ranging from cash-back offers, discounts on dining bills, accelerated reward points accumulation at partner restaurants and much more. Though such benefits were earlier reserved for premium credit cards, many standard cards currently provide these benefits.
Q: How does HDFC bank credit card generate fuel cost savings?
A: HDFC bank fuel cards provide you with the option of generating savings in terms of surcharge waiver when you fill your vehicle up at the petrol pump. Apart from the fuel surcharge waiver, some credit cards may also provide you with cashback benefits whenever you use your card for transactions at a petrol pump.
Q: What are the features of HDFC AllMiles Credit Card
A: Features and Benefits of HDFC AllMiles Credit Card:
The HDFC Bank has revised late payment charges on credit card.
The bank will be levying a charge of Rs 500 on late payment charges with effect from April 1, 2019 for statement balance in the range of Rs 501 – Rs 5000.
Late Payment Charges Fee Details
Statement Balance Late Payment Charges
Up to Rs 100 Rs 100 Between Rs 100 – Rs 500 Rs 100
Between Rs 501 – Rs 5000 Rs 500
Between Rs 5001 – Rs 10000 Rs 600
Between Rs 10000 – Rs 25000 Rs 800
Above Rs 25000 Rs 950