Rewards Credit Card: More Spends, More Rewards

Apply for Rewards Credit Cards Online

*Fees & charges are subject to change.

Eligibility Criteria To Apply For Rewards Credit Cards

• You must be a minimum of 21 years old.
  
  
• You should be an Indian national.
  
  
• You should be either a salaried professional or a self-employed individual.
  
  

HDFC Bank assesses your eligibility and determines your credit limit for a Credit Card based on your annual income.

Features and Benefits of Rewards Credit Cards

• Earn While You Spend
  
  Rewards Credit Cards allow you to accumulate points or cashback as you make everyday purchases that you can redeem, helping you to save more on every purchase. 
  
  
• Flexible Redemption Options:
  
  HDFC Bank Reward Credit Cards offer a variety of ways to redeem your earned reward points, from travel vouchers and merchandise to cashback and gift cards, giving you flexibility in how you use your rewards.
  
  
• Sign-up Bonuses
  
  Reward Credit Cards provide a welcome bonus to significantly boost your points or cashback when you first utilise the card.
  
  
• Additional Perks
  
  Depending on the card, you can also benefit from benefits like roadside assistance, airport assistance, concierge services and entertainment discounts that enhances your overall experience.

Documents Required to Apply for Rewards Credit Cards

• For Identity and Address Proof: You can use your Aadhaar Card, Indian passport, Voter ID card, or driving license.
  
  
• For Income Proof: Please provide your Permanent Account Number (PAN), salary slips, or income tax returns for the previous three years.

Things To Keep In Mind When You Choose A Rewards Credit Card

• Rewards Structure
  
  Different rewards Credit Cards offer diverse types of rewards, such as cashback, points, miles, or specific benefits like discounts on travel or dining. Assess which type of rewards aligns best with your interests and lifestyle.
  
  
• Annual Fee
  
  HDFC Bank Rewards Credit Cards come with an annual fee and other charges such as cash withdrawal charges, late payment charges and GST (Goods and Services Tax charges. Evaluate whether the benefits and rewards outweigh this fee.
  
  
• Rewards Redemption
  
  Check ways how you can easily redeem your earned rewards. HDFC Bank allows you to redeem points through Net Banking, turn them into Insta vouchers, redeem against product catalogue on SmartBuy and convert them into air miles.  

FAQs 

What are Rewards Credit Cards?

Rewards Credit Cards offer benefits or incentives for cardholders in the form of cashback, points, miles, or specific benefits. These rewards are earned based on the cardholder's spending and can be redeemed for various benefits, such as discounts, travel, merchandise, or gift vouchers.

How do I apply for a Rewards Credit Card?

To apply for an HDFC Bank Rewards Credit Card, here is what you need to do: 

• Visit the HDFC Bank website, choose the specific rewards card you are interested in.
  
  
• Complete the online application form with your personal and financial information.
  
  
• Our team will review your application and issue the card upon successful verification.
  
  

Are Rewards Credit Cards lifetime free?

The fee structure varies by card, so it is essential to check the terms and conditions of the specific rewards Credit Card you are interested in to understand its fee policy.

Are Rewards Credit Cards good?

Rewards Credit Cards offer substantial benefits, such as cashback, points, or miles, which can add up over time. You can use these Credit Cards to pay for daily expenses and take advantage of rewards to save more.

What is the difference between a Rewards Credit Card and a Credit Card?

Reward Credit Card offer incentives and benefits tied to spending that can help you save more money, while a standard Credit Card does not offer such rewards.

Which Credit Card offers more rewards?

​​​​​​​The number of rewards offered by a Credit Card varies widely based on the specific card and its rewards program. You can compare the Rewards Credit Card of HDFC Bank to find out the most rewarding Credit Card that aligns best with your financial goals and lifestyle. 

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