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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.

List of HDFC Bank Credit Cards

About HDFC Credit Card

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.

HDFC BANK

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.

Features of HDFC Credit Card

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.

Benefits of HDFC Credit Card

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.

What is a Credit Limit?

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

HDFC Credit Card apply either by visiting the nearest branch of HDFC Bank or via online.

HDFC Credit Card Apply via Offline

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.

HDFC Credit Card Apply Online

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

• Name

• Gender

• 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.

HDFC Bank Credit Card Eligibility

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.

Documents Required for HDFC Bank’s Credit Card

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

Cons of Using a Credit Card

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.

Which is the Best Period to pay the Credit Card Bill?

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.

Benefits of HDFC Credit Card Banking

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

  • Account Information
  • Credit card statement for up to last 6 months
  • Unbilled transactions

Request for

  • AutoPay registration
  • Credit Card Payments
  • Registration of New Card
  • Statement on e-mail
  • Credit Card ATM Pin
  • De-registration of Card
  • AutoPay De-registration

How to increase your credit card limit?

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.

HDFC Credit Card Statement

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:

Transaction

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.

Dues

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).

Account Summary

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.

Dates

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).

Limits

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.

Offers

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.

Things you must check in your HDFC Credit Card Statement

Outstanding dues of the credit card is the primary thing to check for a credit card user in his/her credit card statement. Although this is intuitive, there 's always several other things you can keep an eye on in your credit card statement. Such records can effect your liability for the Credit Card, and any inaccurate details can elevate the amount due. Including basic details such as your name, card number , address and transaction types, it is mandated to also know the below-listed few things.

Credit Card statement date: This is the date on which your credit card statement is initiated. In case you failed in paying the previous reimbursement, interest will be charged to you on the same, which would be calculated using the date of the statement as the first day.

Payment due-date: This is the date by which you have to clear your outstanding dues. You have to settle your credit card dues on or before the payment due date to avoid the unwanted charges or late fees. 

Billing cycle: It is a period of 30 days under which the statement is generated.  It is the duration between the dates of two consecutive statements. The Credit Card bill represents the transactions initiated during the billing period, except the interest charges and late payment charges (if any). 

Grace period: The Reserve Bank of India (RBI) has updated via a memorandum that the late payment penalty on a card is only applicable if the outstanding amount is not settled for more than three days from the due date of payment. Interest will be applicable if not paid during the grace period which will be determined from the due date of the payment. However, HDFC Bank provides you with a duration of 20-25 days from the end of the billing cycle until the due date of the payment. In general, this period is as the 'grace period.'

Summary of the transaction: This covers the transactions and repayments made during a billing period, including the transaction date, amount, and specifics. It will also comprise cash advances, interest, and charges (if applicable) relevant to the transactions.

Total due amount: It is the total of the transaction value you have made during the billing cycle. This amount includes any outstanding amount from the last month, interest charged, late payment fee, or any other charges. 

Process to get HDFC Credit Card Statement via Net Banking

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. 

  • After you registered your credit for net banking service, visit the official site of HDFC bank and login to your net banking account using the login credentials.
  • Now head to the 'Cards' section and select “View Statement” under the drop-down menu of 'Enquiry'
  • Now select the HDFC Credit Card for which you want to view/download the statement and select the statement period.
  • Now click on 'Click to View/Download' to download the statement in a PDF format.

Process to get HDFC Credit Card Statement via HDFC Mobile App

  • Open the HDFC Bank Mobile Banking app and login to your account using the Quick Access PIN or Customer ID.
  • Now tap on the 'Credit Card' section and select the 'Download Billed Statement' option.
  • Now select the duration for which you want to download the statementand tap on 'Download'
  • The PDF format of the statement will be downloaded on your mobile instantly.

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.

  • After requesting get HDFC Credit Card statement on time without any interruptions.
  • You will get the HDFC Credit Card statement in both PDF format online and physical form.
  • You can also transfer the statements
  • Statement in PDF format is protected in password
  • No fees are charged to get the statement via online or physical form.

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.

Why should one choose HDFC Credit Card?

You can avail many benefits on HDFC credit card for shopping, travel and food purpose. With up to 10,000 bonus JPMiles and 10,000 bonus reward points upon enrollment and renewal, coupons, reward points on retail spending and travel benefits such as free baggage allowance, lounge access, HDFC credit cards steal the show. What also adds to the sparkle is Taj Epicture Plus membership and emergency hospital coverage etc. In short, HDFC Bank credit cards offer the following benefits.

  • Bonus miles and reward points
  • Miles accumulated on travel expenses
  • Rewards redeemable with airlines such as Jet Airways, Air India, Singapore Airlines
  • Discount in flight tickets
  • Access to the lounge
  • Discounts on cinema tickets

This Mumbai based private lender offers various types of credit cards to their customers including super-premium credit cards, co-branded cards, business credit cards, premium travel credit cards, premium ladies credit cards, regular credit cards, cash back credit cards, and commercial cards. credit card.

Types of HDFC Credit Cards

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.  HDFC Bank provides a broad variety of luxury credit cards targeted to individuals. Choose from a range of cards such as super premium, co-branded, travel, professional, premium women, entertainment etc and experience the cashback perks and other lifestyle benefits. Applying for an HDFC Credit Card is just a matter of seconds. You can apply for HDFC Credit Card online or by visiting your nearest HDFC branch according to your comfort. All HDFC Credit Cards comes with a unique tailored benefit and perks. 

Regular

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. 

Premium

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. 

Super Premium

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. 

Professional Cards: HDFC DOCTORS SUPERIA CREDIT CARD is designed specifically for physicians and provides the finest lounge programme, unique travel benefits. HDFC TEACHERS PLATINUM CREDIT CARD offer professors the right to refill fuel with no surcharge at any fuel station across India. 

Cashback Cards: Platinum Edge, Titanium Edge, and MoneyBack cards deliver cash rewards on daily purchases with zero fuel surcharge.

Premium Women’s Card: Solitaire Credit Card benefits attractive shopping vouchers to the shopaholic women. 

So you have an array of credit cards to select. Grab the perfect card to fulfill your banking and financial needs, So apply for a card according to your need and reap the benefits of the card on your go. 

HDFC Shopping Credit Cards

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.

HDFC Regalia Credit Card

  • Welcome Gift: Earn a joining bonus of 2,500 reward points
  • Cashback: Make mobile recharge through PayZapp and earn 10% cashback
  • Dining benefits: Get up to 15% discount at selected partner restaurants
  • Zomato Membership: Get a complimentary Zomato Gold Membership valid for 1 year.
  • Fuel surcharge: 1% waiver on all fuel transactions.
  • Income criteria for salaried applicants: Rs.90,000 p.m.
  • Income criteria for self-employed applicants: 1,00,000 p.m.

HDFC Regalia First Credit Card

  • Complimentary lounge visit: Lounge access at over 850 airports.
  • Reward points: Spend Rs 150 on any category and earn 4 reward points.
  • Fuel surcharge: 1% Fuel surcharge waiver
  • Dining benefits: Experience dining perks at more than 300 leading restaurants at partner restaurants.

HDFC Snapdeal Credit Card

  • Welcome gift: Earn Snapdeal vouchers worth Rs.2,000 with additional 500 reward points
  • Reward points: Shop at Snapdeal or SmartBUY and earn 5% instant discount and earn 10X reward points.
  • Fuel Surcharge Waiver: Earn fuel surcharge waiver up to Rs.250
  • EVM Chip Card: The card comes with EMV chip technology.
  • Income criteria for salaried applicants: Rs.15,000 p.m.
  • Income criteria for self-employed applicants: 1,80,000 p.m.

HDFC Lifestyle Credit Cards

HDFC Credit Cards are crafted with various lifestyle benefits such as reward points, cashback, complimentary lounge access benefits, and more. To know more about it go through the below-listed lifestyle credit cards provided by HDFC. 

HDFC Regalia Credit Card

  • HDFC Regalia Credit Card provides multiple benefits across shopping, travel, dining and rewards categories. 
  • Get complimentary Zomato Gold Membership for 1 year as a welcome surprise
  • Get access to 12 complimentary domestic lounges via Visa/Mastercard per year
  • Spend Rs 100 on retail transactions except for fuel and earn 4 reward points
  • Spend Rs 5 lakh per calendar year and get 10,000 reward points
  • Get additional 5,000 reward points on spending Rs. 8 Lakhs per calendar year
  • Redeem your accumulated reward points across premium products and vouchers

HDFC Diners Club Premium Credit Card

  • HDFC Diners Club Premium Credit Card is for those who want to cherish a premium lifestyle. 
  • Spend Rs  75,000 or more in the first 90 days of the card issuance and get complimentary membership of Zomato Gold, Amazon Prime, MakeMyTrip Double Black, Times Prime and Big Basket Star.  
  • Get 12 complimentary lounge visits per year across more than 700 airport lounges in India and abroad. 
  • Spend Rs 150 on dining and earn 4 reward points
  • Get 2 complimentary access to Golf games and lessons per quarter globally
  • Get 1 voucher worth Rs. 500 from BookMyShow, TataCLiQ or Ola Select membership for spending Rs. 40,000 in a calendar month. 

HDFC Rewards Credit Cards

Here we mentioned HDFC credit cards promising lucrative rewards on all of your purchases with several ways to redeem it. So go through the below-given list and pick the best credit card as per your rewarding benefits.

HDFC MoneyBack Credit Card

  • Joining fee: Rs 500
  • Annual fee: Rs 500
  • The card comes with exciting shopping and rewards benefit
  • Spend Rs 150 on online shopping and earn 4 reward points
  • Fuel surcharge waiver of up to Rs. 250 per billing cycle
  • Spend Rs. 50,000 in a quarter and enjoy Rs. 500 e-voucher as a Milestone benefit

HDFC Diners Club Rewardz Credit Card

  • Annual fee: Rs 1000
  • Get 1,000 bonus Reward Points as a welcome and renewal benefit
  • Spend Rs 150 on retail and get 3 reward points
  • Get 10X rewards when shopping online with partner stores or brands
  • Redeem your accumulated reward points against amazing products and vouchers under the rewards catalogue
  • Enjoy amazing benefits with travel partners such as MakeMyTrip, Goibibo, Redbus, Uber etc
  • Convert your accumulated reward points into air miles of Air India, Singapore Airlines and Intermiles.
  • Foreign currency mark-up fee: 3.5%

HDFC Cashback Credit Cards


Below listed are the HDFC Cards which are only crafted to provide cashback benefits. These cards are ideal for those who want to reap simpler value back against their spending. 

HDFC Millennia Credit Card

  • Joining fee: Rs 1000
  • Annual fee: Rs 1000
  • Shop via PayZapp using the card and get 5% cashback on Amazon, Flipkart, Flight & Hotel bookings 
  • Spend over Rs.2000 for online shopping and earn 5% cashback
  • Get 1% cashback across offline purchases
  • Enjoy 8 complimentary domestic lounge visits per year
  • Spend Rs. 1 Lakh per quarter in the card’s first year and earn Rs. 1,000 gift vouchers as a welcome benefit
  • Get amazing deals and offers under Good Food Trail Dining program

HDFC Easy EMI Credit Card

  • Joining fee: Rs 500
  • Annual fee: Rs 500
  • Transactions made of Rs,10,000 or above will be converted to easy EMI for 9 months
  • Shop via PayZapp using the card and get 5% cashback on Amazon, Flipkart, Flight & Hotel bookings 
  • Spend over Rs.2000 on online shopping and earn 5% cashback
  • Get 1% cashback across offline purchases
  • Get up to 40% off on Weekend Fine Dining
  • Get 20% off on booking premium dining
  • Get 25% off on buffet service

HDFC Bharat Credit Card

  • Joining fee: Rs.500
  • Annual fee: Rs.500
  • Amazing cashback of 5% fuel spends, booking train tickets, groceries, bill payments and mobile recharges
  • For a minimum transaction of Rs.400 get a fuel surcharge of 1%
  • Instant cashback of 5% for making transactions under EasyEMI, PayZapp and SmartBuy
  • This credit card is for beginners who want to cherish cashback benefits with low joining and annual fee

HDFC Travel Credit Cards

By HDFC travel credit cards you can experience benefits with some complimentary privileges and even save on your travel expenses. So let’s check the benefits of travel cards by HDFC.

6E Rewards XL Indigo HDFC Bank Credit Card

  • Joining fee: Rs.2500
  • Annual fee: Rs.2500
  • Get complimentary 6E Prime voucher with priority check-in, complimentary meal and Indigo flight ticket for free as a welcome treat
  • Spend Rs 100 for booking flight tickets on IndiGo website or mobile app and get 5% 6E Rewards
  • Spend on groceries or dining and earn 3% 6E Rewards
  • Earn 2% 6E Rewards on all other spends
  • 8 complimentary domestic lounge access per year
  • Fuel surcharge waiver for transactions of Rs.400 or above

HDFC Diners Clubmiles Credit Card

  • Joining fee: Rs.1000
  • Annual fee: Rs.1000
  • Earn 4 reward points for a minimum spent of Rs.150 across all categories
  • Convert your reward into air miles with leading International and Domestic airlines and hotels
  • Get 6 complimentary visits across 25+ Domestic and 700+ International Lounges
  • Get 15% discount at dining
  • Get air accident cover of Rs. 1 Crore and Emergency Medical Expenses Cover of up to Rs. 25 Lakh

HDFC Entertainment Credit Cards

Here are HDFC Bank's two most common entertainment credit cards. Let’s have a look at the movies and dining benefits of these cards.

HDFC Bank Platinum Times Credit Card

  • Joining fee: Rs,1000
  • Annual fee: Rs,1000
  • Get amazing discount vouchers across select partners as a welcome surprise
  • Get an amazing discount of 25% on booking movie tickets
  • Get 20% on dining at partner outlets across India
  • Spent a minimum of Rs.150 using the card and get 3 reward points
  • With fuel surcharge waiver save up to Rs 1,500 on an annual basis
  • Get complimentary accidental death insurance of up to Rs. 50 Lakh on making of minimum 4 transactions every month

HDFC Bank Titanium Times Credit Card

  • Joining fee: Rs.500
  • Annual fee: Rs.500
  • Get an amazing discount of 25% on movies and 15% discount on dining
  • Get exciting vouchers from affiliate brands for shopping, dining and apparel as a welcome gift
  • Spend Rs.150 from your card and get 2 reward points
  • Get fuel surcharge waiver of 1%
  • Get free accidental death cover up to Rs. 50 Lakh on making at least four purchases per month

Fuel Credit Cards

HDFC Bank also issues a co-branded Indian Oil Fuel Credit Card. While the bank provides fuel surcharge waiver on nearly all its card types, but this card is highly beneficial when it comes to fuel needs.

HDFC IndianOil Credit Card

  • Joining fee: Rs.500
  • Annual fee: Rs.500
  • Spend with IndianOil Hdfc Bank Credit Card on IndianOil hubs and get 5 per cent fuel points on your purchase. 
  • Spend on the grocery store and gain 5 per cent fuel points up to 100 fuel points for a minimum spend of Rs.150
  • Spend Rs.150 on utility bill payments and get 5% fuel points up to 100 fuel points per month
  • Get 1 fuel point on every transaction for a minimum spend of Rs.150
  • Get 50 Litres fuel-free per year by using this card
  • Get interest free credit period up to 50 days
  • Fuel points are valid up to 2 years  

HDFC Credit Card Payment

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

  • Get 5% cashback upon login for the first 6 months
  • Save up to a total of Rs 150 per statement period
  • Get a timely notification to pay your bills
  • Get chance to set maximum limits on your bills
  • The registration process is easy which enables you to use autopay feature in just a few clicks
  • Now add or delete your billers anytime and anywhere.

How to Register For Autopay Feature

  • Log into net banking with your HDFC net banking Id and Password.
  • Under the drop-down box of BillPay and Recharge click on Add Biller
  • Now it will ask you to fill the details of the biller.
  • After successful fill-up of biller details review the details once
  • Now click on select standing instruction and the Debit card option.
  • Enter your Debit Card details like Name on Card, Expiry Date, CVV number.
  • After fill-up of the Debit Card details click on confirm
  • A successful message will be delivered to your registered mobile number and Email Id.

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.

For Non- HDFC Bank Savings Account Holder

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.

Pay your HSBC bank credit card bill from any bank:

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 Credit Card Payment through Paytm

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

  • Open the Paytm app or website
  • Go to the credit card payment page
  • Now read all the instructions and click on Continue to start the process.
  • Enter your credit card details and payment amount
  • Click on Proceed to make the payment
  • Once the payment is done, you will get transaction details on your registered mobile number and email id.

Note- In case of any issue call to 24x7 Paytm Customer Helpline Number 0120-4456-456

HDFC Credit Card Payments through Debit Card

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

  • Visit HDFC Credit Card Billdesk page and accept the Terms and Conditions to start the process.
  • Scroll down to the bottom of the page and click on Pay.
  • Now you will be redirected to the new page where you have to enter your HDFC Credit Card Number, email id and payment
  • amount.
  • From the drop-down of Pay, select your preferred bank type and click on Pay.
  • Now you will be redirected to the preferred bank's net banking payment getaway.
  • Enter your Netbanking Id and Password to Log in.
  • Confirm the payment and make the process complete
  • Once the transaction is successful you will get the transaction details on your registered mobile number.

Steps for HDFC Credit Card Payments through Debit Card Offline

  • Visit your nearest HDFC ATM and insert your HDFC Debit Card to start the process
  • Enter your PIN and select the suitable language.
  • Tap on Services from the main menu and then tap on Choose Bill Payment.
  • Tap on Credit Card Bill Payment and enter your HDFC Credit Card details.
  • Now you will see the total outstanding due and minimum due of your card on the screen.
  • Choose the payment you want to make, and press Confirm
  • You will get the successful message on the ATM screen and also you will get the transaction details of the same on your registered mobile number.

HDFC Smart Pay

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 Offers

  • For the first 12 months get up to Rs 1200 cashback
  • Add a minimum of two or more bills under SmartPay and get an e-voucher worth Rs. 250
  • Cashback will be issued from SmartPay transaction in the next statement period.

HDFC Smart Pay Features

HDFC Smart Pay facility is loaded with tons of features which are listed below:

  • With HDFC Smart Pay there is no any chance of missing due dates
  • No any worry of late payment charges
  • Get reward points on your every SmartPay spends
  • You can set own payment limit for every biller
  • HDFC Smart Pay facility comes with zero transaction fee
  • Get transaction alerts and schedule reminder of your every transaction
  • You can modify your bill payment details anytime on HDFC Net Banking facility.

HDFC Smart Pay Registration

Scroll down and go through the below given online and offline process to get registered for Smart Pay.

Online Process

  • Visit the HDFC Netbanking page and login with your User Id/Password.
  • Go to the Cards section and click on click on "Smart Pay" located under the "Transact" menu.
  • Now fill all the required details of Name Of Utility Company, Your name as written in the credit card, Your Mobile Number or Residence
  • Telephone number, Your Credit Card number, registered email id and your city name.
  • After entering all details mark a tick on "Call me for SmartPay registration" and click on "Submit"
  • A bank representative will call you to complete the further registration process.

Offline Process

  • Download the Smart Pay application form
  • Duly fill the application form with correct details of the biller
  • Attach the latest bill copy with the form
  • Send the form to "Marketing Helpdesk, HDFC Bank Cards Division, No 8, LB Road, Thiruvanmiyur, Chennai- 600041

HDFC Credit Card Activation 

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.

HDFC Credit Card Status

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

  • PAN Card/ Mobile Number
  • Credit Card Application Number
  • Credit Card Reference Number (if applicable)
  • Date of Birth

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.

Standing Instruction on Credit Card 

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. 

Benefits of Standing Instruction on HDFC Credit Cards

  • Pay your bills on time without missing the deadline.
  • Users can pre-set maximum limit on every bill. 
  • No need to remember the bill due dates of each of the utility bills. 
  • Modify or delete the standing instructions facility at any time of your choice. 
  • Get SMS and e-mail alerts on new biller additions, payment information and bill due dates. 
  • Save by getting additional cashback on utility and telecom bills. The cashback will be posted to the next statement cycle. 

How To Close HDFC Credit Card?

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.

Things to remember when closing Credit Card Account

Before closing the credit card account, the users will have to remember the following list of points:

  • Cancel those credit cards which levy higher interest rates and annual fees as this will help you to save money and will also be a wise move.
  • Before the closing of any credit card make sure to clear off all the outstanding balance of that particular credit card or transfer the balance to the other card which you are still wishing to use.
  • Ensure to redeem all the reward points earned during the usage of the credit card.
  • Get a no-dues certificate on the credit card from the issuing bank upon closure of the account as without this you are likely to land in trouble at a later stage if in case any dispute arises over non – servicing of obligation on the credit card.
  • Avoid closing the credit card account which you have been using for a long time as the judicial and wise servicing of debt obligation against the card will go a long way in improving the credit score over the long run.
  • Dispose of the credit card post-cancellation, to avoid misuse, identity theft and so on. Ensure to dispose of the credit card in such a way that no information on the card will be visible to anyone.
  • Check the credit history of the card post-closure and it should show that the facility has been cancelled from the bank’s end.

HDFC Credit Card PIN Generation

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.

  • HDFC ATM
  • HDFC Net Banking

Generating HDFC Credit Card PIN at HDFC ATM

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

  • First, insert your HDFC credit card in the ATM and choose the preferred language of your choice.
  • Click on the option ‘Create a new ATM PIN using OTP’ option.
  • Proceed further and enter the OTP you have received on your mobile.
  • Now enter your mobile number in the space provided on the screen.
  • Enter the 4 digit PIN of your choice
  • Re-Enter the PIN and click on the ‘Submit’ option.
  • You will get a message that your PIN has been changed successfully.

Generating HDFC Credit Card PIN via Online Banking

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

  • First, log in to HDFC net banking account.
  • Click on the cards section and select credit cards option
  • Click on request followed by Instant PIN Generation option
  • Select your respective credit card from the drop-down option and click on ‘Continue’
  • Now confirm the new PIN generation request
  • Select a mobile number and now click on the ‘Continue’ option
  • Now you will receive an OTP
  • Proceed further and enter the OTP and click on “Continue”

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.

Know your HDFC Credit Card’s PIN Safety Precautions

Do protect your HDFC Credit card from hackers and fraudsters and make sure to follow some of the safety precautions as mentioned below:

  • Do not ask someone else to generate credit card PIN for your account.
  • Never share the PIN or the one-time passwords which you receive on your registered mobile with anyone.
  • Do not share the picture of your credit card with anyone.
  • Do not share your credit card details either through SMS, e-mails and so on.
  • Make sure to use your laptop, mobile or other relevant devices while generating or changing credit card PINs
  • Make sure that your credit card is swiped in your presence always.
  • Do not write down your credit card PIN on a paper or the card.

How to convert loyalty points into Airmiles/loyalty points?

HDFC Bank has partnered with Jet Airways and Singapore Airlines. Therefore, users have the option of converting their reward points into Air Miles. The ratio of converting reward points to Airmiles depends on the card itself. Air Miles can be used to book airline tickets on Jet Airways or Singapore Airlines. Follow the steps below to convert reward points to airline miles:

1. Download the Air Mile redeem form from the website.
2. Fill out the form and send it to the following address:

Helpdesk Rewards,
HDFC Bank Cards Division,
P.O. box no: 8654,
Thiruvanmiyur, P.O., Chennai
600041

Note that customers should refer to the latest credit card statement to see the number of reward points available for redemption.

Reward Points categories:

HDFC credit cardholders can redeem their loyalty points in the following categories:

iPhone
Air miles
Samsung mobile phones
Bose Bluetooth speakers
Bose speakers
Sennheiser Headphones
Skull Candy Wireless Headphones
Stereo speakers
Wireless speakers
Power banks

How are HDFC Bank reward points calculated?

The reward points earned on the HDFC credit card depend on the amount of the transaction made. Many HDFC credit cards also offer significant reward points by crossing the amount of a transaction in a year. Reward points are also earned on transactions made on the complimentary card.

Procedure to register for Credit Card Net Banking with HDFC

An existing HDFC Bank account holder can register for credit card net banking services by following the below steps:

  • HDFC Bank account holders have to first login to the Net Banking with their customer ID and internet password credentials.
  • After logging in to the Net Banking account, click on the credit card tab.
  • Add a new card after selecting the ‘Register New Card’ feature.
  • Enter credentials of the card including the credit card number, credit card ATM PIN followed by the expiry date of the card and click on the ‘Submit’ option.

Procedure to Change HDFC Credit Card PIN

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

  • First, visit the nearest HDFC Bank’s ATM along with your HDFC Credit Card.
  • Insert your credit card in the ATM and opt the language of your preference.
  • Now enter the existing credit card PIN
  • Click on ‘Change PIN’
  • As soon as you click on that option, an OTP will be sent to your registered mobile number.
  • Proceed further and enter the OTP.
  • Now enter the 4 digits new PIN of your choice.
  • Re-enter the PIN for verification and click on ‘Submit’

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

  • First login to your HDFC Net Banking Account
  • Click on Cards section and select the ‘Credit Cards’
  • Select ‘Credit Card Options’ and choose ‘Change PIN’
  • Now the bank will be sent the OTP to your registered mobile number
  • Enter the OTP and click on the ‘Continue’ option
  • Enter the new 4 digit PIN of your choice
  • Proceed further and re-enter the PIN and click on submit.

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.

HDFC Credit Card Bill Payment using NEFT

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.

Features of HDFC Credit Card Bill Payments using the NEFT Platform

  • The credit card payment requests made on any of the non – business day will be submitted to the Reserve Bank of India on the next working day.
  • The credit card payments will be processed within 1 business day.
  • The payee bank will receive the money within the slated time.
  • The time required to transfer funds to beneficiaries account is based on the amount of time consumed by payee’s bank to initiate the payment process.

Channels to initiate an NEFT transaction

  • HDFC mobile banking
  • HDFC online banking or HDFC internet banking
  • Visiting the nearest HDFC Bank and by submitting the NEFT form, the bankers will process an NEFT transaction.

Procedure to make HDFC Credit Card Bill Payments using NEFT

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.

  • First, log in to the HDFC online banking service using your credentials.
  • Next, locate the ‘Fund Transfer’ tab and click on ‘Transfer to Other Bank’ button.
  • Proceed further and opt the relevant bank account, beneficiaries and provide the required information.
  • Ensure that you accept the ‘Terms and Conditions’ and review the details which you have furnished.
  • Lastly, click on the ‘Confirm’ button.

HDFC Credit Card Bill Payment using IMPS

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.

Features of HDFC IMPS Platform for Credit Card Bills

  • The IMPS facility offered by HDFC assures the safety of banking business and reduces the risk of identity theft.
  • This system helps customers to make interbank and intra bank credit card bill payments immediately on the click of the button.
  • It offers round the clock facility 24/7 and can even be accessed on bank holidays.
  • The IMPS by HDFC is the simplest and one of the convenient bill payment option.
  • Individual’s credit card bills can be paid from the users of non – HDFC banks as well.
  • This facility can be used on online banking, mobile phones or internet banking, mobile applications and countrywide ATMs.
  • As of now, HDFC has partnered with more than 49 banks to offer this facility to its customers.

Tips for paying credit card bills using HDFC IMPS Facility

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.

  • First, log in to internet banking using your credentials.
  • After logging in to your respective HDFC internet banking account, click on the ‘Funds Transfer’ button.
  • Click on the ‘IMPS’ payment option.
  • Enter all the necessary details such as account number, credit card number, billing amount, IFSC number of beneficiaries and so on.
  • Ensure that you have entered all the details correctly.
  • Now proceed further and click the ‘Submit’ button.

Procedure to Add Beneficiaries for IMPS

The beneficiaries can be added online. Follow the below-mentioned procedure to add beneficiaries for IMPS.

  • First, log in to the HDFC internet banking facility using the user name and password.
  • Proceed further and locate the ‘Fund Transfer’ tab and click the same.
  • Add beneficiaries by clicking the ‘Add a beneficiary’ tab.
  • Now furnish all the details such as MMID, contact number, IFSC number, account number and so on.
  • Finally, now click on the ‘Add’ tab and authenticate.

Please Note: Beneficiaries will be added and confirmed within 30 minutes.

How to Redeem HDFC credit card reward points?

There are two ways to use your HDFC credit card reward points: online and offline:

1- Redeem rewards online

To redeem HDFC Credit Card reward points online, you must register your credit card for online banking. If you are already registered, follow the steps below to redeem

Step 1 - Log in to HDFC Internet Banking using your customer ID and password.

Step 2 - Go to the Credit Card section from the menu bar.

Step 3 - Click on Redeem Reward Points in the left panel section.

Step 4- Select on the particular credit card for which you want to redeem points if you have multiple cards and click on Continue after which you will be redirected to the online redemption portal.

Step 5 - On the redemption portal home page, click on Redeem Reward Points and select your Point Range and Item Category to find the Rewards Catalog.

Step 6- Select the items you want to redeem your points for and confirm them in your shopping cart.

Step 7 - Check the Terms and Conditions box and click Use to complete the transaction.

Things to keep in mind while online redemption: 

  • Note the order number for future inquiries or complaints.
  • The online orders will be sent to your registered communication address. If you want the product to be delivered to a different address, please contact HDFC Credit Card Customer Service.
  • A minimum of 500 points is required to initiate the rewards redemption
  • If you have more than one HDFC credit card, reward points on multiple cards cannot be pooled
  • If you redeem your points for gift vouchers, you must redeem them before the voucher expires
  • Item purchased for Reward Points can only be exchanged/returned if defective. In any other scenario, items cannot be returned

HDFC Credit Card Regalia

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

  • Airport Lounge Access – The users can access 850 + airport lounges across the world through Priority Pass Membership
  • Reward Points – On every Rs 150 spends, earn 4 reward points. The value of 1 each reward point is equal to Rs 0.75. Accumulated reward points can be redeemed against an exciting range of merchandise and gift vouchers. 
  • Welcome Bonus – Grab 2500 reward points and welcome bonus 
  • Travel Concierge Assistance – Enhance your travel and hotel stay experience by taking help of the Travel Concierge Assistance
  • Fuel Surcharge Waiver – On purchase of fuel from any of the petrol pumps in India, enjoy 0% surcharge. 
  • Dining Benefits – Get a great discount offer on fine dining at some of the top – restaurants in India. 
  • Medical Insurance Cover – Get the medical cover of Rs 15 lakhs in case of a medical emergency while travelling abroad. 

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.

Reward Points

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 

  • The age of the applicant should be minimum of 21 years at the time of applying. 
  • The maximum age of the applicant should be less than 60 years in case of a salaried individual. 
  • The maximum age of the self – employed applicant is capped at 65 years. 
  • Individuals who are either resident Indians or Non – Resident Indian can apply for the card. 

HDFC Credit Card Net banking

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

Benefits

  • Track all your transactions in one platform
  • Get access to your account 24x7
  • Manage and view cash and credit limits, billed and unbilled transactions, due dates, reward points
  • Get unique and convenient services such as pay bills, register new card, hotlist lost card, register for autopay, change ATM PIN, request email statement, etc
  • Get unique features such as Cash on Call and Dial an EMI
  • Increase your credit card limit and upgrade your card
  • Pay all your dues or transfer money through NEFT, RTGS or IMPS
  • Pay utility bills or recharge your mobile through easy Billpay service
  • Shop online for fashion, food, travel and entertainment without cash or Debit / Credit Card with Direct Pay.

How to Register for HDFC Credit Card Net banking

  • Visit to the HDFC Credit Card website
  • Click on Login, which is located on the top bar of the page
  • Click on NetBanking
  • Under the New User section, click on Register here.
  • On the next page enter your HDFC Net Banking Id.
  • Enter your name as it appears on your card
  • Below that enter your card number and expiry date.
  • Now enter your Credit Card ATM PIN
  • Now choose your password and confirm it.
  • Review your all entered details and click on submit.
  • On the next page, you can see your Credit Card Online Registration Status.
  • Enter your User Id and Password
  • Click on Login and start exploring 

Process to Apply for HDFC Insta Loan Through 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: 

  • Visit the HDFC Net Banking page and log in to your net banking account by using your login credentials. 
  • Now select ‘Credit Card > Insta Loan’ from the left side of the menu
  • Now select your credit card and click on "Continue"
  • Now enter the loan the amount, select the tenure and confirm.
  • You will get a successful message on your registered mobile number and a notification of loan acceptance or rejection will be displayed on the screen of your system.

Process to Apply for HDFC SmartEMI Through Net Banking

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.

  • Login to your net banking account by utilizing your login credentials.
  • Now click on ‘Credit Card > SmartEMI from the left sidebar of the homepage.
  • Now choose your credit card and select the transaction you want to convert into SmartEMI.
  • Once the submitted details are confirmed by the bank, your transaction will be converted into EMI instantly. 
  • For the use of the facility, a one-time processing fee will be charged, and the interest will be applied to the EMIs based on the tenure chosen.

Process to change HDFC Credit Card ATM PIN 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.

  • Go to the HDFC Net Banking page and log in to your account by using the credentials.
  • Now under the credit card section, click on the 'Credit Card ATM PIN' option
  • Now select the credit card from the drop-down list and click on 'Continue'
  • Once the process is complete, a message will appear confirming the request for your new credit card PIN.

Process to change HDFC Bank Credit Card net banking password

If you want to change your net banking password, use the HDFC internet banking account to do so by following the steps below:

  • Visit the HDFC Net Banking portal and log in to your net banking account by using the net banking Id and Password.
  • On the top right side of the screen on the homepage, click on the ‘change password’ option  
  • Now enter your old password and the new password on the required section, then click on 'Submit'
  • Once done you will get an acknowledgment of the password change on the screen.
  • You will also get an email related to this, on your registered email id. 

HDFC Credit Card App

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

  • View all your credit card transactions
  • Get e-statement for all your credit card transaction
  • Get access to purchase to EMI facility
  • Get access to upgrade your credit card limit
  • Get access to report your lost credit card
  • Get an option to block your card in case of any fraudulent activity
  • Get access for card replacement request
  • Change your credit card pin, anytime anywhere
  • Get all HDFC Credit Card offers in the app
  • Manage your all accounts at one place
  • Get access to request for a loan
  • Get access to check your passbook
  • Transfer your fund from one bank to another more conveniently
  • Get notified for your credit card dues
  • Get notified for all your transactions
  • Get access to pay all your bills
  • Get 24x7 customer support
  • Check your credit card status
  • Get all personalized alerts and reminders
  • Stay updated with your reward points balance
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Pay your Insurance, DTH Bills, Mobile Bills and Utility Bills
  • Check the status of your applied check.
  • Now make your travel more friendly and book your flight, bus and hotels through online.
  • Get 100% online security on your card
  • Add or manage beneficiary as per you want.
  • With enhanced security of m-PIN and make your transaction more convenient and hassle-free
  • Send and receive money through NEFT, IMPS and RTGS & UPI
  • Locate nearest HDFC branch and ATM
  • Get auto-linking of all accounts of the customer ID (Savings, Current, CC, OD, Loan, PPF accounts)
  • The app available in multi-languages, select your preferred language and start exploring
  • Get enhance security of Fingerprint sensor mapped only for you in HDFC Bank Mobile Banking app
  • With Easy Share feature, you can share your payment receipts
  • Create a favourite playlist of your frequent transactions under ‘Favourites’. No need to look for details each time, click your preferred ones and pay
  • With AutoPay feature set up automatic payments and never miss due dates.
  • Check your Demat Account balances on the HDFC Bank MobileBanking App and quickly navigate to your HDFC Securities App.
  • Get in touch with your Relationship Manager in the app, anytime anywhere you want

Register and Download HDFC Credit Card App

  • Go to Playstore or App Store
  • Search for HDFC Bank Mobile Banking and tap on Install
  • Open the app and tap on Log on
  • Click on Set 4-digit PIN
  • Enter your registered mobile number and customer id on the required section
  • Tap on Next, for the further process
  • Now you will get an OTP on your registered mobile number
  • Enter the OTP on the required section and tap on Continue
  • Now verify your card details and tap on Next
  • Create 4-digit quick access pin and tap Continue
  • Now click on Login and explore HDFC Bank Mobile Banking app

HDFC Credit Card Login

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

  • Go to the official site of HDFC Credit Card
  • Click on Login, which is located on the top bar of the page and select Credit Card Login
  • Enter your User Id and Password
  • Click on Login and explore

For New User

  • Go to the official site of HDFC Credit Card
  • Click on Login, which is located on the top bar of the page and select Credit Card Login
  • Under the New User section, click on Register here.
  • On the next page enter your HDFC Net Banking Id.
  • Enter your name as it appears on your card
  • Below that enter your card number and expiry date.
  • Now enter your Credit Card ATM PIN
  • Now choose your password and confirm it.
  • Review your all entered details and click on submit.
  • On the next page, you can see your Credit Card Online Registration Status.
  • Enter your User Id and Password
  • Click on Login and explore

HDFC Credit Card Reward Points

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 Based on Your Spends by HDFC Credit Card

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.

  • With HDFC Freedom Card get 5X Reward Points by spending on Movies/Groceries/Dining/Railways/Taxis, 10X Reward Points by spending on PayZapp & SmartBUY, 25X Reward Points by spending on Birthday.
  • With HDFC Bank Diners Club Rewardz Card earn 10X Reward Point by spending on International transactions.
  • With MoneyBack HDFC, earn 2X Reward Points by spending on online transactions.
  • With HDFC Diner Club Black, get 10X Reward Point with partner brand and 2X rewards on weekend by spending on dining.
  • With JetPrivilege HDFC Bank Signature / World get 3X JPMiles by booking flight tickets on Jet Airways website.
  • With HDFC Platinum Plus get 50% more Reward Points for a minimum spend of Rs 50,000
  • With HDFC Bank Solitaire get 50% more Reward Points by spending on dining and grocery.
  • With HDFC Bank Superia get 50% more Reward Points by spending on dining.
  • With JetPrivilege HDFC Bank Platinum get 3X JPMiles by booking flight tickets on Jet Airways website.
  • With HDFC Bank Platinum Edge, get 50% more Reward Points by spending on dining.
  • With HDFC Bank Titanium Edge get 50% more Reward Points by spending on dining.
  • With JetPrivilege HDFC Bank Select / Titanium get 3X JPMiles by booking flight tickets on Jet Airways website. 

Procedure to Redeem HDFC Credit Card Reward Points

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:

  • First, log in to the HDFC Credit Card Net Banking Web Portal.
  • From the left navigation bar, click on the ‘Redeem Reward Points’ option.
  • Now select the card and then you will be redirected to the rewards redemption portal.
  • Proceed further and select ‘Points Range’ and ‘Item Category’ to view your reward redemption catalogue.
  • Once you select the items against which you wish to redeem your points, click on the ‘View Shopping Cart’ link to view the selected items.
  • The user can even modify the quantity by clicking on the ‘Edit’ option
  • Once you submit all the selected items it will reach at the address mentioned by you.

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.

Ways to check HDFC Credit Card Balance

The credit cardholders of HDFC Bank can check the balance of the respective card either by

  • Sending an SMS to 5676712
    or
  • By checking balance through Net Banking
    or
  • By dialling the Customer Care Number 1800 270 3311
    or
  • Check through HDFC Mobile App
    or
  • Check without Net Banking Facility

Checking HDFC Credit Card Balance Using SMS facility

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

  • Check the Credit Card balance: SMS CCBAL to 5676712
  • Check available credit limit: SMS CCACL followed by last four digits of the credit card number to 5676712

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 Card Lost

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

  • Login to HDFC Netbanking service with your Netbanking Id and Password.
  • Click on the Credit Card tab and then click on Credit Card hotlisting which is located on the left side.
  • Now you can see all the credit cards registered under HDFC Netbanking services.
  • Now select your credit card number and reason for hotlisting.
  • If you want to reissue your cards select Yes
  • Now click on submit and on the next page a successful message will be displayed on the screen.

How to block HDFC Credit Card via Phonebanking

  • Applicants can also block their card through 24x7 phonebanking numbers.
  • Validate your TIN number (Telephone Identification Number). HDFC Bank provides a 4-digit TIN number to access netbanking services.
  • Now call the phonebanking number as per your city, follow the instructions and block your lost card.

How to block HDFC Credit Card by visiting Branch

  • Go to your nearest branch and collect CREDIT CARD CLOSURE FORM
  • Fill all the details and submit it on the branch.
  • Your card will be blocked between 10-15 business days and you will get a successful message on your registered mobile number and email.

HDFC Credit Card IFSC Code

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.

  • The first four characters HDFC reflects the bank's name and the fifth character zero is kept aside for potential use.
  • The last 6-digits usually signifies the division of the bank that supports the payment of credit card bills
  • Ideally, this code is same for all credit cardholders.

Benefits of HDFC Credit Card IFSC Code

  • This code is the primary source to pay an outstanding credit card bill
  • This cold is useful for the applicants to pay bills in a convenient manner from anywhere in the world
  • This code is useful to make secure payments without any risk
  • This code is useful for those who don't have savings account with the credit card holding bank.

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.

HDFC Credit Card Bill Desk

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

  • Manage your HDFC credit card bills and expense records at one place.
  • Get convenient and hassle-free payment process
  • Make payments from any bank account
  • Set up auto-pay feature and reminders for your HDFC Credit Card bills
  • Track the dues of your HDFC Credit Card bills no matter where you are
  • Get 24x7 customer support, an applicant can call 02242044801 or write to support@billdesk.com. To solve any HDFC credit card related queries.

How to pay HDFC Credit Card bill via 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

  • Enter your HDFC Credit Card number and email id
  • Enter the amount you wish to pay
  • From the drop-down section select the bank account you want to pay from.
  • Click on PAY to complete the second step

Confirm your Payment

  • Enter your User Id and Password
  • Confirm your payment amount
  • Click on Login and your account will be debited online

Online Confirmation

  • After completing all the process you will get an online confirmation and a transaction reference number
  • You will get the transaction details on your registered mobile number
  • Also get an email acknowledgement for your transaction

Tracking HDFC Credit Card

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

  • Application Number
  • Registered Mobile Number
  • Date of Birth as per Aadhar Card
  • OTP which is generated after completing the process

Online Process to Track HDFC Credit Card

  • Visit to the HDFC Credit Card website
  • Under the drop-down section of Pay, click on Credit Card
  • Click on Track Your Credit Card, which is located on the right bar of the page
  • Enter your registered mobile number and click on Send Verification Code
  • Enter the verification code on the required field and click on Submit
  • On the next page, you can track the application status of your 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

Details You Get After Tracking HDFC 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.

Which HDFC Credit Card is Best

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

GLOBAL Value Programme for HDFC Credit Card

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. 

Benefits

  • On 1sr transaction get 500 Bonus Reward Points as a welcome benefit or card renewal benefit. This is valid only once in a year.
  • Get 1% cashback up to Rs 1000 per statement cycle on all International transactions.
  • Make International spends of Rs. 1,50,000/- in a year and get a Yatra voucher worth Rs 2000. Valid for only once in a year.

Points to keep in mind:

  • The program is only valid for the mentioned retail credit cards: Platinum Edge, Solitaire, Solitaire Premium, Superia, Regalia, Infinia, Gold, Titanium, Platinum Plus, Signature, World, and Titanium Edge.
  • The welcome gift for your first international transaction will be credited within 60 days.
  • By achieving International spends of Rs. 1,50,000/- in a year the Yatra voucher will be sent to you within 30 days.
  • If the service is cancelled at any time, the program fee already paid for the year will not be refunded.
  • GST is applicable to the programme fee.

HDFC Credit Card Offers

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

  • Get 8% discount on transactions at Rental Cars using HDFC Bank Credit Card
  • Offer is valid till 31/12/2020

Dimple Offer

  • Get 5% Off on MRP (Including tax) for all the products across the Dimple Store
  • No minimum transaction amount is required
  • Offer is valid till 30th September 2020

Mira

  • Get 10% Off on purchase of all Apparels across the Mira Store
  • Offer is valid till 30th September 2020

Music Ville Pvt Ltd.

  • Get 10% Off on MRP on Purchase of any Musical instrument from Music Ville Pvt Ltd.
  • Offer is valid till 30th September 2020

Malhi Electronics

  • Get 10% Off on MRP (including tax) for all the products across the Malhi Electronics store,
  • No minimum transaction amount is required
  • Offer is valid till 30th September 2020

New India Electronics

  • Get 10% Off on minimum billing of Rs.10,000 and above (Including tax) at New India Electronics
  • Offer is valid till 30th September 2020

Gothisons Enterprises Pvt Ltd

  • Get 10% Off on Purchase across the Gothisons Enterprises Pvt Ltd store .
  • Offer is valid till 30th September 2020

Anushka Mobile Center

  • Get 10% Off on MRP (including tax) on all products across the store
  • No minimum transaction amount is required
  • Offer is valid till 30th September 2020

Popular Tech Media

  • Shop at Popular Tech Media and get 10% Off on MRP on Purchase of any Electronic worth Rs.15000 (Excluding Tax)
  • Offer is valid till 30th September 2020

R.S Mobile Store

  • Shop at R.S Mobile Store and get 10% Off on MRP on purchase of any products (Excluding tax) (No minimum purchase value)
  • Offer is valid till 30th September 2020

Lili Communication

  • Shop at Lili Communication and get 10% Off on purchase of all Mobile accessories.
  • Offer is valid till 30th September 2020

Try Me

  • Shop at Try Me stores and get 15% Off on MRP on purchase of any Apparel
  • Offer is valid till 30th September 2020

A Super Mart

  • Shop at A Super Mart Stores and get 5% Off on minimum billing of Rs 2,999 & Above on purchase of any products except Oil, Ghee and Sugar
  • Offer is valid till 30th September 2020

Palki-The Saree Shop

  • Shop at Palki-The Saree Shop and get up to 10% on MRP
  • Offer is valid till 30th September 2020
  • Offer is valid only on retail credit cards

Ruprang Designer Sarees

  • Shop at Ruprang Designer Sarees and get up to 5% off on MRP
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

Nirupam The Family Shop

  • Purchase Readymade Garments, Accessories, Toys & Baby gear products on Nirupam The Family Shop and get up to 10% off on MRP
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

Best Collections

  • Spend a minimum of Rs 1000 on Best Collections shop and get up to 10% off
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

Zen Store 13

  • Purchase mobile accessories from Zen Store 13 and get up to 15% off on MRP
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

Dada Adeshwar

  • Purchase any apparel from Dada Adeshwar and get up to 10% off on MRP
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards 

Jyoti Fashions

  • Spend a minimum of Rs 8000 and get up to 10% on total bill
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

JF Women's

  • Spend a minimum of Rs 8000 and get up to 10% on total bill
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

Asnani Home Appliances

  • Purchase small appliances across the store and get up to 15% MRP
  • Purchase heavy appliances across the store and get up to 20% MRP
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

Satyam SuperMarket

  • Spend a minimum of Rs 2999 and get up to 5% off on MRP
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

Dhekne's Classic

  • Spend a minimum of Rs 5000 at Dhekne's Classic and get up to 10% off on MRP
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

New Vishwanath Vastralayam

  • Purchase at New Vishwanath Vastralayam and get up to 10% on MRP
  • Offer is valid till- 30th September 2020
  • Offer is only valid on retail credit cards

PL. KAY BABY’S WORLD Offer

  • Get 10% discount on a minimum purchase of 5000 and above.
  • Offer not applicable on Baby Food Products
  • Offer valid only on Retail Credit Cards. Offer not valid on Corporate, Commercial Credit cards.
  • Offer is valid till- 30/09/2020

Geek By Sensation Offer

  • Spend a minimum of Rs 3000 on speakers, headphones, gaming accessories, gaming software across the store and get 10% off
  • Offer is valid till 30/09/2020

V.P Traders Offer

  • Spend a minimum of Rs 10000 or more across the V.P Traders and get 10% off on MRP
  • Offer is valid till- 30/09/2020

Sri Nivasa Store Stop and Shop Supermarket

  • Spend a minimum of Rs 4000 or above across the store and get 5% off
  • Offer is valid till- 30/09/2020

Ankit Electronics

  • Get 10% off on MRP (including tax) for all the products across the store
  • No minimum purchase is required to avail the offer
  • Offer is valid till- 30/09/2020

Faizuls Communication Offer

  • Get 10% off on MRP for all the products across the store
  • Offer is valid till- 30/09/2020

Homely Basket Offer

  • Spend a minimum of Rs 1000 on purchase of Grocery and get 5% off
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Bhagwati Musical Store Offer

  • Buy any electronic gadget above 5000 get 15% off
  • Get 25% off on purchase of Acoustic Products across the store
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Sunder Electronics Store Offer

  • Get 10% Discount on MRP on purchase of any Games
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Top Ten Electronic Shoppe

  • Get 10% Discount on MRP on purchase of any product across the store
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Sai Sai Pavani Home Needs

  • Spend a minimum of Rs 10000 across the store and get 10% on purchase
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

FAYE (TUIBINZ TRADING) Offer

  • Spend a minimum of Rs 3000 across the store and get 10% on purchase
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Inthiya Supermarket

  • Spend a minimum of Rs 2000 across the store and get 10% on purchase except oil and grocery items
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Furniture City

  • Purchase any furniture across the store and get 15% off
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Jalan Electricity

  • Purchase heavy electronics appliances and get a flat 30% off on your purchase
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Pragati Enterprises

  • Spend a minimum of Rs 10,000 pr above across the store and get 10% off up to Rs 1000
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Neha Electronics

  • Get 10% off on your purchase for all the products across the store.
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

STYLE BU-DZINERS BRIDAL BOUTIQUE

  • Purchase any product across the store and get 10% off on a minimum spend of Rs 10,000.
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Simply Organics

  • Purchase any product across the store and get 10% off worth of Rs 5000 or above on total bill.
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

USK Electronics

  • Purchase any product across the store and get 8% off on MRP
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

XTREEM MOBILES

  • Get 25% off on all branded accessories on MOP
  • Get 5% off on all varieties of Mobiles on MOP
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Mysore Music House

  • Spend a minimum of Rs 5000 across the store and get 10% off on MRP
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Menly Clothing

  • Spend a minimum of Rs 3000 across the store and get 10% off on MRP
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Rahul Mobile

  • Get 10% off on Purchase of Mobile Accessories across the store except mobile phones
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Electro World Offer

  • Get 15% off on Purchase of any Electronic Product across the store
  • Offer is valid till- 30/09/2020
  • Offer is valid on retail credit cards only

Esquire Air Conditioning Offer

  • Get 10% off on MRP on purchase of Air Conditioner Across the store
  • Offer is valid till- 30/09/2020
  • Offer is valid on all retail credit cards

Aalap Electronics

  • Spend a minimum of Rs 2000 on purchase of Philips domestic appliances and personal care products and get 10% off
  • Offer is valid up to- 30/09/2020
  • Offer is valid on all HDFC retail credit cards

Mustafa Men's Wear

  • Spend a minimum of Rs 10000 across the store and get 10% discount on MRP
  • Offer is valid up to- 30/09/2020
  • Offer is valid on all HDFC retail credit cards

The Fashion Closet

  • Spend a minimum of Rs 2000 across the store and get 10% off on MRP
  • Offer is valid up to- 30/09/2020
  • Offer is valid on all HDFC retail credit cards

Isha Designer Boutique

  • Spend a minimum of Rs 5000 on purchase of Apparels across the store and get 10% off on MRP
  • Offer is valid up to- 30/09/2020
  • Offer is valid on all HDFC retail credit cards

Margao Cellular

  • Spend a minimum of Rs 500 on purchase of mobile accessories across the store and get 15% off
  • Offer is valid up to- 30/09/2020
  • Offer is valid on all HDFC retail credit cards

Hair Bar Unisex Salon

  • Get 15% discount on MRP (Including tax) for all the services across the store.
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

XPOZE TATOO Offer

  • Spend a minimum of Rs 2000 at the store and get 10% off
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Unique Mobile Shop Offer

  • Get 10% off on Purchase of Mobile Accessories across the Store
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Yuvraj Fashion Mall

  • Spend a minimum of Rs 5000 at the store and get 10% off
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Anil Electronics

  • Get 10% off on MRP on Purchase of any products across the shop.
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Sree Mobile

  • Get 5% discount on Mobile Phones on Purchase of Rs 10,000 or above
  • Get 10% discount on all Mobile Accessories on Purchase of Rs 1000 or above
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Francis Shopee Corner

  • Spend a minimum of Rs 10,000 on purchase of Groceries and get 5% off
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Rakhiwala House of Electronics

  • Get 15% discount on MRP on Purchase of Any AC
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Five Concept Men's Wear

  • Spend a minimum of Rs 5000 and get 10% off
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Mad Musicals

  • Get 10% off on all Musical Instruments across the store
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

V Lounge Unisex Salon

  • Get 10% discount on availing service with a minimum billing of Rs.1000 or above
  • Offer is valid till- 30/09/2020
  • Offer is valid on HDFC retail credit cards only.

Haier Offer

  • With HDFC Credit Card get up to 9 Months No Cost EMI on Haier
  • Offer is valid till 31-12-2020

Hitachi Offer

  • Get up to 12 Months No Cost EMI on Hitachi AC & other electronics with HDFC Credit Card
  • Offer is valid till 31/12/2020

HDFC Credit Card Customer Care

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.

HDFC Credit Card Customer Care Number

  • Ahmedabad- 079 61606161
  • Bangalore- 080 61606161
  • Chandigarh- 0172 6160616
  • Chennai- 044 61606161
  • Cochin- 0484 6160616
  • Delhi and NCR- 011 61606161
  • Hyderabad- 040 61606161
  • Indore- 0731 6160616
  • Jaipur- 0141 6160616
  • Kolkata- 033 61606161
  • Lucknow- 0522 6160616
  • Mumbai- 022 61606161
  • Pune- 020 61606161

HDFC Credit Card Customer Care Number for NRI

  • USA- 855-999-6061
  • Canada- 855-999-6061
  • Singapore- 800-101-2850
  • Kenya- 0-800-721-740
  • Other Countries- 91-2267606161

HDFC Credit Card Customer Care Number for selected cities:

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

HDFC Credit Card Complaint Number

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

HDFC Grievance Redressal Officer

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,
Chennai 600041.

FAQ's

Q: What features do HDFC Bank credit cards offer to a customer?

A: HDFC bank provides the following features to credit card customers:

  • Rewards Points - Redemption across multiple airlines.
  • Attractive offers on movies and dining.
  • Spend based Annual and Renewal fee reversals.
  • Fuel Surcharge waivers.
  • Priority passes.
  • Comprehensive Insurance coverage.

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 cardholder is entitled to receive 1000 Reward Points as a welcome benefit.
  • With every Rs. 150 spend, get 3 reward points.
  • Free Priority Pass Membership.
  • With every Rs.500 spent at the fuel station, get a Fuel Surcharge Waiver.
  • On spending of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
  • With Rs. 1, 00,000 spend on the credit card in a year before the renewal date, the cardholder's renewal fee will be reversed.

Q: Which HDFC credit card is the best?

ANS: HDFC Bank offers a range of credit cards to meet the needs of cardholders. There are cards suitable for various spending trends such as shopping, travel, lifestyle, dining, etc. You should go for the credit card that meets your requirements.

Q: What are the eligibility criteria for applying for an HDFC Regalia credit card?

ANS: For salaried people, you must be in the 21-60 age bracket with gross monthly income above Rs.1.2 Lakh and for the self-employed, you must be in the 21-65 age bracket with gross monthly income more than Rs.12 Lakh per year

Q: What should I do if my credit card is lost or stolen?

ANS: In such a situation, you can contact the HDFC Bank Customer Service Manager at (prefix STD Code): 6160-61616. The managers of the bank will then guide you through the steps to follow.

Q: Why was my HDFC credit card application rejected?

ANS: There are different reasons why the bank or financial institution may reject or withhold your credit card application. Some of the reasons may include a low CIBIL score or non-compliance with eligibility requirements set by the bank. The best option in this scenario would be to contact the bank officials and they will provide you with an appropriate reason for rejection.

Q: My address has recently been changed. How can I change it in my HDFC credit card?

ANS: You can change your address by going to your nearest HDFC Bank branch or via Internet Banking. Once you have logged in via Internet Banking, there will be an update address option at the top right.

Q: How do I apply for an HDFC credit card online?

ANS: You can apply for an HDFC credit card on our website or on the bank's website.

Latest Articles

HDFC Bank Revises Late Payment Charges

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

6 March 2019
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