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- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow Foreign Outward Remittance
- RemitNow2India (Foreign Inward Remittance)
- Remittance (International Money Transfers )
- Religious Offering's & Donation
- Forex Services for students
- Pay your overseas education fees with Flywire
- ESOP Remittances
- Visa CardPay
- Cards
- Bill Payments
- Recharge
- Payment Solutions
- Money Transfer
- SAVE Accounts, Deposits
- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- OFFERS Offers, Discounts
- My Mailbox
- My Profile
- Home
- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow Foreign Outward Remittance
- RemitNow2India (Foreign Inward Remittance)
- Remittance (International Money Transfers )
- Religious Offering's & Donation
- Forex Services for students
- Pay your overseas education fees with Flywire
- ESOP Remittances
- Visa CardPay
- Cards
- Bill Payments
- Recharge
- Payment Solutions
- Money Transfer
- SAVE Accounts, Deposits
- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- OFFERS Offers, Discounts
- My Mailbox
- My Profile
- Home
- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow Foreign Outward Remittance
- RemitNow2India (Foreign Inward Remittance)
- Remittance (International Money Transfers )
- Religious Offering's & Donation
- Forex Services for students
- Pay your overseas education fees with Flywire
- ESOP Remittances
- Visa CardPay
- SAVE Accounts, Deposits
- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- OFFERS Offers, Discounts
- My Mailbox
- My Profile
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Apply for Credit Card Online - Choose the Right Credit Card for Your Lifestyle
Credit Cards serve as convenient financial tools, providing you with the ease of managing your expenses seamlessly. Opting for an HDFC Bank Credit Card opens doors to a world of convenience, granting you the flexibility to handle a diverse range of expenditures.
Whether you're securing accommodations, booking flights, settling utility bills, acquiring the latest gadgets, or indulging in online or in-store shopping, your HDFC Bank Credit Card stands as your reliable companion. You can effortlessly manage both minor and major expenses with confidence.
The perks don't end there. By utilising your Credit Card, you can unlock access to exclusive offers, discounts, and reward points. Our partnerships with leading brands such as Shoppers Stop, BookMyShow, Marriott, Indigo, Swiggy, Tata Neu, and more (available on select cards) ensure that you not only spend wisely but also save significantly.
At HDFC Bank, our online banking and payment channels, viz., NetBanking, Mobile Banking, MyCards and PayZapp, allow you to manage your Credit Cards. You can set transaction limits and enable/disable international transactions and contactless payments.
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
Earn up to 50 Liters of Free fuel annually
Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
Earn 1 Fuel Point for every Rs. 150 spent on all other purchases
Enjoy 1% Fuel Surcharge waiver
10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
5% Cashback on online spends across top brands. For list of eligible MCC
1% Cashback on other categories. For list of exclusions & capping
Complimentary Swiggy One Membership for 3 months on card activation as per latest RBI guidelines
1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of 15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases*
1% unlimited cashback on all eligible transactions
Shop Now and Pay in Parts with flexible low cost EMIs
Exclusive dining offers, Upto 25% discount on partner restaurants via Swiggy Dineout
Apply & Control Your Pixel Credit Card on PayZap
5% CashBack on choice of any 2 Packs - Dining & Entertainment Category – BookMyShow & Zomato, Travel Category – MakeMyTrip & Uber, Grocery Category – Blinkit & Reliance Smart Bazaar, Electronics Category – Croma & Reliance Digital, Fashion Category – Nykaa & Myntra
3% CashBack on choice of any one e-commerce merchant - Amazon or Flipkart or PayZapp
1% Unlimited CashBack on all spends*
Customize your card reflecting your lifestyle by choosing a card design and a billing cycle that suits you
Apply & Control your Pixel Credit Card on PayZapp
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
5X CashPoints on EMI spends at merchant locations
2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
Gift vouchers worth upto ₹2000 annually
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
Earn 10X CashPoints on your favourite merchants ( Big Basket, BookMyshow, OYO, Swiggy & Uber )
Earn 5X CashPoints on EMI spends at merchant locations
Earn 1 CashPoint per every Rs.150 on other spends ( Excluding fuel, Wallets loads )
Earn up to 50 Liters of Free fuel annually
Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
Earn 1 Fuel Point for every Rs. 150 spent on all other purchases
Enjoy 1% Fuel Surcharge waiver
Metal Card
Unlimited Airport Lounge Access
6 Complimentary Golf games every quarter across the finest courses in the world
Complimentary Annual memberships of Club Marriott, Amazon Prime, Swiggy One as Welcome Benefit
10,000 Bonus Reward Points on spends of ₹ 4 lakh every calendar quarter
2X Reward Points on Weekend Dining
5 Reward Points for every ₹ 150 spent
Up to 10X Reward Points via SmartBuy
Complimentary Club Marriott membership for first year
Complimentary nights & weekend buffet at participating ITC hotels
Unlimited Complimentary golf games at leading courses across India and select courses across the world
5 Reward Points for every ₹ 150 spent
Global Personal Concierge -24 X 7
1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of 15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases*
10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
5% Cashback on online spends across top brands. For list of eligible MCC
1% Cashback on other categories. For list of exclusions & capping
Complimentary Swiggy One Membership for 3 months on card activation as per latest RBI guidelines
Earn up to 50 Liters of Free fuel annually
Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
Earn 1 Fuel Point for every Rs. 150 spent on all other purchases
Enjoy 1% Fuel Surcharge waiver
5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1.5% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access
2% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
4 Complimentary Domestic Airport Lounge Access
5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
1 Reward Point for every INR 100 spent on all other spends*.
Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
8 complimentary access to select IRCTC Executive Lounge every year (2 per quarter)
Gift voucher worth INR 500 on quarterly spends of INR 30,000.
Earn 3% on all your Shoppers Stop spends
Earn 1% on all your non-Shoppers Stop spends
Save upto Rs 2500 per year on weekend shopping in Shoppers Stop
Shoppers Stop welcome voucher of Rs 500
Shoppers Stop Silver Edge membership worth Rs 350
Earn 7% on all your Shoppers Stop spends
Earn 2% on all your non-Shoppers Stop spends
Save upto Rs 10,000 per year on weekend shopping in Shoppers Stop
Shoppers Stop welcome voucher of Rs 1500
Shoppers Stop Black membership worth Rs 4500
International and domestic airport Lounge access
Upto 3% Unlimited Cashback everytime
Paytm First Membership - Upto 75k worth benefits
Earn upto Rs. 1200 Cashback annually
Upto 50 days of credit free period
Upto 5% Unlimited Cashback everytime
Paytm First Membership - Upto 75k worth benefits
8 Complimentary Airport Lounge Access
Gift Vouchers worth Rs.500 every Calendar Quarter
Upto 2% Accelerated Cashback on Scan & Pay
Upto 2% Cashback on Swiggy & Uber spends
Customize your card the way you like
Instant issuance/ virtual credit card
Complimentary Times Prime Annual Membership worth Rs 999
Up to 20% discount offers on travel & shopping on www.hdfcbank.timescard.com
50 % discount on Movies on Book My show
3 Reward points for every Rs.150 spent on the card
10 Reward points per Rs 150 on weekday Dining
Complimentary Times Prime Annual Membership worth Rs. 999
Up to 20% discount offers on travel and shopping on www.hdfcbank.timescard.com
25 % discount on Movies on Book My show
2 Reward points for every Rs.150 spent on the card
5 Reward points per Rs 150 on weekday Dining
2.5% 6E Rewards on IndiGo
2% 6E Rewards on Grocery, Dining & Entertainment
1% 6E Rewards on all other spends*
Up to 10% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)
5% 6E Rewards on IndiGo
3% 6E Rewards on Grocery, Dining & Entertainment
2% 6E Rewards on all other spends*
Up to 15% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)
Complimentary annual memberships of Club Marriott, MMT Black, Amazon Prime, Swiggy One, Forbes & Harley Vouchers worth ₹ 2500 as a Welcome Benefit
Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over ₹ 80,000 every month
10X Reward Points on Harley Spends
Complimentary Golf games across the finest courses in the world ( 6 per quarter)
HDFC Bank Harley-Davidson Diners Club Credit Card
'Buy 1 Get 1 Free' on all tickets via BookMyShow
5X Reward Points on Swiggy and Zomato
Complimentary annual memberships of Swiggy One, Times Prime & Harley vouchers (worth Rs 750) as welcome benefit
₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of ₹1.5 lakh
2 Complimentary Airport lounge access every calendar quarter worldwide
4 Reward Points for every ₹ 150 spent
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
5X CashPoints on EMI spends at merchant locations
2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
Gift vouchers worth upto ₹2000 annually
'Buy 1 Get 1 Free' on all tickets via BookMyShow
5X Reward Points on Swiggy and Zomato
Complimentary Annual Memberships of Swiggy One and Times Prime as Welcome Benefit
₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of Rs. 1.5 lakh
8 Complimentary airport lounge access worldwide
4 Reward Points for every ₹ 150 spent
1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of 15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases*
5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1.5% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
1 Reward Point for every INR 100 spent on all other spends*.
Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
8 complimentary access to select IRCTC Executive Lounge every year (2 per quarter)
Gift voucher worth INR 500 on quarterly spends of INR 30,000.
2.5% 6E Rewards on IndiGo
2% 6E Rewards on Grocery, Dining & Entertainment
1% 6E Rewards on all other spends*
Up to 10% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)
5% 6E Rewards on IndiGo
3% 6E Rewards on Grocery, Dining & Entertainment
2% 6E Rewards on all other spends*
Up to 15% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)
1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of 15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases*
5% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1.5% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access
2% back as NeuCoins on Tata Neu and partner Tata Brand Spends
Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
1% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
4 Complimentary Domestic Airport Lounge Access
Earn 3% on all your Shoppers Stop spends
Earn 1% on all your non-Shoppers Stop spends
Save upto Rs 2500 per year on weekend shopping in Shoppers Stop
Shoppers Stop welcome voucher of Rs 500
Shoppers Stop Silver Edge membership worth Rs 350
Earn 7% on all your Shoppers Stop spends
Earn 2% on all your non-Shoppers Stop spends
Save upto Rs 10,000 per year on weekend shopping in Shoppers Stop
Shoppers Stop welcome voucher of Rs 1500
Shoppers Stop Black membership worth Rs 4500
International and domestic airport Lounge access
Earn up to 50 Liters of Free fuel annually
Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
Earn 1 Fuel Point for every Rs. 150 spent on all other purchases
Enjoy 1% Fuel Surcharge waiver
Welcome benefit of up to 8,000 InterMiles and earn 6 InterMiles per every Rs.150 spent
InterMiles Silver tier Membership for first year
2X InterMiles for flights booked on www.intermiles.com & Hotel booked via Interbook.intermiles.com
Complimentary Domestic & International Lounge Access*
Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK
Complimentary Ola | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
5 Reward Points for every Rs 150 spent
Upto 10X Reward Points via SmartBuy
Complimentary Golf games across the finest courses in the world
Unlimited Complimentary Airport Lounge Access
HDFC Bank Credit Card Features
New Card Holder Advantages
Get exclusive benefits when you sign up for a Credit Card with HDFC Bank. Plus, you can enjoy additional rewards on annual spends above certain specific limit.
- SmartEMI
Turn your Credit Card purchases of ₹2,500 or above into easy Equated Monthly Instalments (EMIs). With SmartEMIs, you can enjoy flexible repayment options with competitive interest rates for both online and in-store Credit Card purchases.
- Contactless Payments
Make instant payments with complete security using our Credit Cards with contactless payment features. Just give a quick tap on the POS machine to make swift and hassle-free transactions at stores. Activate contactless payments through MyCards.
- Foreign Currency Markup
Our competitive foreign currency markup on selected HDFC Bank Credit Cards allows more savings when you shop while abroad.
- Insurance Coverage
Get complimentary insurance coverage with select HDFC Bank Credit Cards. You can avail of coverage worth of several lakhs for air accidents and emergency hospitalisation.
- Revolving Credit Facility
Take advantage of revolving credit facilities at affordable interest rates with HDFC Bank Credit Cards. Review the Most Important Terms and Conditions (MITC) for more details.
- Airport Lounge Access
Enjoy free access to airport lounges at both domestic and international airports with select HDFC Bank Credit Cards.
- No Lost Card Liability
Contact our all-round support centre to report if your card gets lost or stolen. We provide liability waivers on fraudulent transactions when you report promptly.
- Make UPI Payments
Your RuPay Credit Card is enabled for UPI payments. All you have to do is link your RuPay Credit Card on a UPI-enabled app like PayZapp, generate a PIN and start making payments.
Eligibility Criteria To Apply For Credit Card
- Age
You should be at least 18 years old.
- Nationality
You should be an Indian National.
- Residential Status
You should be a Resident or Non-Resident Indian.
- Employment Status
You should be a salaried professional or a self-employed individual.
- Annual Income
HDFC Bank determines your eligibility for Credit Card and subsequent credit limit based on your annual income.
*HDFC Bank revises your credit limit based on your annual spends, card usage, and changing income. We also send invitations to upgrade your Credit Cards based on your usage.
Things To Know Before Applying for a Credit Card
- Your Credit Card Statement
HDFC Bank generates a Credit Card statement every month that lists all your transactions. It includes the credit limit you have spent, the due date for payments, and the total outstanding balance. This statement is generated as per your billing cycle. The Bank will send you this statement to your registered email address.
- Cash Withdrawals with Your Credit Card
You can use the Cash Advance service to withdraw cash from ATMs using your Credit Card. The amount you can withdraw depends on your card type and the predetermined cash advance limit. When you withdraw cash using your Credit Card, the bank will levy interest on the withdrawn amount along with other applicable charges.
- Fees & Charges
HDFC Bank applies specific fees on your Credit Card use, depending on the type of card you have. These fees include annual maintenance charges and other charges which are levied on different conditions. It also includes fees for cash advances, foreign currency conversion fees, late payment charges, interest on unpaid balances, fees for going over your credit limit, and applicable Goods and Services Tax (GST) charges.
- Reward Points
Your Credit Card transactions, both online and offline, can help you earn rewards, cashback and other offers. You can redeem the accumulated points for brand vouchers, airmiles, statement credit, etc. Ensure you use your reward points before they expire.
- Bill Payment
Upon Credit Card bill generation, the card issuer provides a grace period of up to 20 days for bill payment. To steer clear of late payment charges, ensure you pay at least the minimum amount due before the due date. While you can make partial payments, note that the remaining outstanding balance will accumulate interest and be subject to applicable taxes.
Credit Card – Dos And Dont’s
You can conduct various offline and online Credit Card transactions. Consider these Credit Card usage etiquettes to enjoy uninterrupted benefits with your HDFC Bank Credit Card.
- What To Do:
- Explore Your Options
Consider the diverse range of Credit Cards offered by HDFC Bank, designed to meet distinct needs. Whether you're in search of a shopping-oriented Credit Card or one that rewards your airline expenditures, our bouquet of offerings has something for everyone. Assess your eligibility and select the Credit Card that aligns with your preferences.
- Assess Terms and Conditions
You must check the vital terms and conditions concerning credit limits, interest rates, cash withdrawals, fees and charges, waivers, discounts, Credit Card offers, etc., when you apply for a Credit Cards online.
- Repay Dues on Time
Repaying your dues in full proves incredibly beneficial as it showcases your creditworthiness to the bank over a specific period of time. Also, you do not have to pay interest if you repay your total outstanding dues on time.
- Leverage Credit Limit Enhancement
HDFC Bank will inform you if you qualify for credit limit enhancements. An enhanced credit limit gives you freedom to buy more and earn more reward points so use it to your advantage.
- Know About Billing and Payment Dates
The billing date is when the bank sends you an itemised bill comprising your Credit Card spends during the last billing cycle and the payment date is the date on or before which you must clear your dues. Ensure you keep track of these dates to avoid late payment charges.
- Monitor your Expenses
Stay on top of your Credit Card expenses regularly to thwart potential fraudulent transactions. Opt for SMS and email alerts after each Credit Card transaction to keep a real-time tab on your spends. In the case of suspicious activity, notify the bank and take immediate action to block your card.
- What Not to Do:
- Don’t Over-Utilise the Entire Credit Limit
Utilising only a part of your card’s credit limit may be the right way to go. Over-utilisation of the credit limit may impact your credit score, burden you with a huge debt, and makes repayment difficult.
- Don’t Apply for Too Many Credit Cards
While it may seem wise to to have more than one Credit Card and by extension an additional credit limit, especially during emergencies, applying for multiple Credit Cards may not be not prudent. Doing so may make you appear credit hungry or a imply risk-taking tendencies.
- Don’t Pay Just the Minimum Amount Due
Paying only the minimum amount due on your Credit Card is not recommended. By choosing this option, you would typically carry forward the remaining amount to the next cycle, incurring an interest rate on the delayed payment, and increasing your outstanding Credit Card debt.
- Don’t use it for prohibited / restricted transactions
Usage of the HDFC Bank International Credit Card(s) shall be strictly in accordance with exchange control regulations, law of the land or of the Regulatory authorities as applicable from time to time.
Do not use the card for transactions involving Forex trading, lottery, betting, gambling, dating, Bitcoins, Virtual currency & any other prohibited transactions as directed in Foreign Exchange Management Act, 1999.
Tips For Secure Credit Card Usage
Understanding how to use a Credit Card wisely is vital. Consider these security tips.
- Card Features and Usage
Your Credit Card comprises details like your name, card number, expiration date and the CVV number. While making online transactions, you must enter these details. You must also input the 4-digit pin along with a One Time Password (OTP) the bank sends on your registered mobile number (RMN) to authenticate the transaction. Ensure secure transactions by not sharing your PIN or OTP with anyone.
- Overseas Usage
You can activate your card for international usage anytime. We recommend you deactivate it soon after arriving in India. You must inform us immediately upon losing your card or if you notice fraudulent or suspicious transactions on your card. The bank will block the card immediately in such cases.
- Exercise Caution While Sharing Card Details
Refrain from responding to any correspondence requesting your card number, expiry date, or other personal data. Although you may need to provide certain details when calling our customer care, note that HDFC Bank or our representatives will never solicit your Credit Card PIN, CVV, or OTPs.
Credit Card FAQs
- What is a Credit Card?
A Credit Card is a payment tool that allows you to make purchases and pay for them later. It comes with a predetermined credit limit that you can use to make online or in-store purchases. You will receive a monthly statement detailing your spends, and you can choose to pay the full balance or a portion of it, with interest applied to the remaining balance if not paid in full.
- What purpose does a Credit Card serve?
A Credit Card serves as a financial tool that lets you make purchases on credit, allowing you to settle the payment at a later date. This way, you can obtain products and services instantly without the need to defer expenses due to a shortage of cash or limited funds in your Bank Account.
- How does a Credit Card Work?
When you use a Credit Card for a transaction, the bank pays the merchants or retailers on your behalf. After that, you have to repay the amount to the bank. Each month, you receive a statement detailing your charges, and you have the option to pay the full balance or a minimum payment on or before the Credit Card due date.
- How to apply for a Credit Card?
Here is how you can apply for a new HDFC Bank Credit:
- Apply for a Credit Card online through HDFC Bank's website by following these steps:
- Visit the Credit Card page on our website.
- Check your eligibility through our online eligibility calculator.
- Get right recommendation of HDFC Bank Credit Card for you.
- Provide your address and employment details for review.
- Authorise the application using Net Banking or your Debit Card.
We will review your application internally. Upon successful approval, we will issue you a new Credit Card.
2. Visit your nearest HDFC Bank branch:
- Apply for a Credit Card using a physical form.
- Provide the necessary details and get your Credit Card delivered to your doorsteps.
- How to check the eligibility for an HDFC Bank Credit Card?
You can easily check your eligibility by visiting the HDFC Bank Credit Card page on the website. Enter your Mobile Number and Date of Birth, and we will let you know if you are eligible to get an HDFC Bank Credit Card.
- What are the documents required while applying for a Credit Card?
Documents Required For Existing HDFC Bank Customers:
a. As an existing HDFC Bank customer, your latest mailing address is already updated in our records. Therefore, there is no requirement for additional address documents when applying for an HDFC Bank Credit Card. However, we do require your income documents. If address proof is necessary, we will notify you accordingly. Acceptable income proof documents include your salary slip or income tax return for the last three years.
b. Should you need to update your latest mailing address, you must provide your recent address proof and income proof.
- Acceptable address proof documents: Aadhaar card, valid Passport, Voter ID or valid Driver’s License
- Acceptable income proof documents: Salary slip or income tax return for the past three years.
Documents Required For New HDFC Bank Customers:
For new customers, we require your address, income, and identity proof, as outlined in the application process.
- I have a Credit Card. Can I apply for another one?
You can easily apply for an HDFC Bank Credit Card despite already having a Credit Card, provided the existing Credit Card is from another card-issuer or card-issuing bank. Also, other prerequisites include a good credit score, adequate monthly income and stable employment. Note that if you already have an HDFC Bank Credit Card, we cannot issue another HDFC Bank Credit Card.
- How can I track and control my Credit Card spending?
Visit the HDFC Bank MyCards portal to effortlessly monitor and manage your Credit Card expenses.
- How can I track and control my Credit Card spends?
You can monitor and control your Credit Card spends through HDFC Bank’s MyCards, NetBanking, Mobile Banking and PayZapp. Under Credit Card settings, you can set transaction limits on various spends categories. Additionally, you can enable or disable international or contactless payments. You can also enable/disable or set limits on cash advances.
- Do I have to pay Credit Card bills if I don't use my Card?
Your Credit Card may come with certain payable charges irrespective of whether you use your Card or not. For instance, the card issuer typically levies an annual/renewal fee every year. However, if you meet certain conditions, the card issuer may waive these charges. In the case of HDFC Bank Credit Cards, you can check the conditions here.
- In what ways can I utilise my Credit Card reward points?
Once you have accumulated adequate reward points, you can redeem them for a multitude of products and services. As an HDFC Bank Credit Cardholder, you can use the NetBanking platform to redeem these products and services through the rewards catalogue. You can obtain gift vouchers, flight tickets, hotel bookings, etc.
- What are the rules associated with interest payments on purchases made using a Credit Card?
You don't have to pay interest on all Credit Card purchases. However, if you do not repay the total outstanding amount on or before the specified due date, the unpaid dues, along with any additional transactions, will begin to attract interest till the balance amount is repaid in full. Also, interest will be applicable on Credit Card cash withdrawals. In this case, interest will apply from the instance you withdraw the cash until the withdrawal amount is repaid in full.
- What does a late payment fee on Credit Cards mean?
When a Credit Card bill is generated, you must pay either the entire bill amount or the minimum amount due on or before the specified due date. If you fail to do so, the card issuer will levy a late payment fee conveyed to you in the Fees & Charges section of your Credit Card agreement.
Manage Your Credit Cards
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PIXEL Credit Card
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Track Your Credit Card
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Personal MITC
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Enable Autopay
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Retail Card Member Agreement
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Credit Cards Policy
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DSA code of conduct
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Fair practices code
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Transaction alerts
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Statement Payment Related Info
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Bill Value
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CC Monthly statements
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Global value
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Purchase MITC
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Secure your Bank Cards with OneAssist
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Corporate MITC
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Credit Card Rewards Program
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MyRewards Program Terms & Conditions
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Pay Credit Card Bill
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CC - Rewards redemption process
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Priority Pass
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Corporate Card Member Agreement
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Contactless Cards
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Chip+PIN Credit Card
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Co-Brand Credit Card Revenue Sharing Disclosure
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Easy EMI
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Key Fact Statement- Purchase Card
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Key Fact Statement- Corporate Card
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Redeem Reward Points