Apply for Credit Card Online - Unlock Rewards and Benefits

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

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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

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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

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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.

What’s New

The bank has launched the PIXEL PLAY and PIXEL GO Credit Card by HDFC Bank. The All-Digital Credit Cards available on PayZapp. The bank has also launched the HDFC Bank UPI RuPay Credit Card, a virtual RuPay Credit Card you can apply via PayZapp and MyCards.  

You can apply for the Credit Card online via the app, and if approved, you can start using the Card instantly. With the PIXEL PLAY Credit Card by HDFC Bank, you can customise the card color, the offers and the billing date. 

Fees & Charges Applicable on Credit Card

Explained below are a few types of Credit Card fees you ought to know: 

• Annual Fee/Renewal Fees: This is the fee that the issuer charges annually to you. The fee can vary across. 

• Cash Advance Fees: This is applicable when you withdraw cash from an ATM using a Credit Card.  

• Finance Charges: These are payable at the monthly percentage rate on all transactions if you don’t pay your Credit Card bill in full. 

• Late Payment Fee: A late payment fee is applicable if you fail to pay your Credit Card bill by the due date.  

• Foreign Transaction Fee: A transaction fee will be applicable if you use you use your card for international transactions. 

• Balance Transfer Fee: When you transfer balance from one Credit Card to another, you will incur a transfer fee. 

What are the types of Credit Cards in India?

You can avail of a wide range of Credit Cards in India, including:  

• Cashback Credit Card  

This type of Credit Card offers cashback on your online and offline spends. Typically, you’ll receive a percentage of the spends amount as cashback. For instance, the HDFC Bank Millennia Credit Card offers a 5% cashback on certain e-commerce spends. 

• Shopping Credit Card  

This type of Credit Card offers exclusive rewards on retail spends. These can be co-branded Credit Cards that offer greater perks when you use the card when shopping at the particular brand online and offline. 

• Premium & Super Premium Credit Card  

The card issuer issues such types of Credit Cards to select individuals. The minimum income criteria to be eligible for the card is relatively high. Also, these cards may come with premium perks such as unlimited airport lounge access or gold course access.  

• Co-Branded Credit Card  

HDFC Bank has tie-ups with several brands. Through this tie-up, the bank offers Co-branded Credit Cards. When you use the card at the brand outlets, you can receive exclusive rewards or loyalty points. 

• Rewards Credit Card  

A Rewards Credit Card features an extensive rewards programme where you can earn attractive rewards, in the form of cashback, reward points or loyalty points. 

• Travel Credit Card 

This type of Credit Card offers exclusive rewards on travel-related spends. You can earn rewards on the hotel, flight, train, etc., bookings. With certain Cards, you can redeem these rewards to get travel vouchers. 

• Airline Credit Card  

An airline Credit Card offers special rewards when you make air travel-related spends. For instance, the 6E Rewards XL – IndiGo HDFC Bank Credit Card offers 5% 6E Rewards on IndiGo spends.  

• International Credit Card  

You can enable international transactions on most Credit Cards. However, certain specific cards may come with lower foreign currency mark-up charges to help you maximise cost-savings. You can use such cards at overseas point-of-sale (POS) terminals, ATMs, etc. 

• Lifestyle Credit Card 

This type of card is designed to offer special benefits, including rewards, cashback, travel, health and wellness, dining, etc.  

How to Use a Credit Card?

Keep these things in mind when it comes to using a Credit Card effectively: 

• Make sure you activate the card within 30 days of issuance to avoid automatic closure of the card. You can activate the card by carrying out a transaction, setting a new PIN, via MyCards, etc. 
• Use your Credit Card for your purchases and bill payments to accumulate cashback/reward points. Ensure you manage your credit utilisation appropriately.  
• Pay Credit Card bills on time and in full to avoid late payment fees, interest accumulation and potential impact on your credit score.  
• Redeem your rewards before they expire. Generally, you can redeem them for brand vouchers or statement credit. 
• Do not share your Card details with anyone. When using your Card for online transactions, make sure the website is secure; the URL should start with http with a lock symbol next to it. 
• Monitor your statement regularly to spot any unknown transactions.

How to Choose the Right Credit Card? 

Selecting the right Credit Card involves evaluating your spending habits, financial goals and the features offered by different cards. Consider the following factors when you apply for a Credit Card: 

• Identify where you spend the most, whether groceries, travel, shopping, etc.  
• What are your financial goals? Do you want a card to earn rewards, cashback, miles, etc.? Or you simply wish to improve your credit score? 
• Once you have determined your objective, it’s easier to shortlist a Credit Card type for your needs. You can choose from Rewards Cards, Travel Cards, Shopping Cards, Secured Cards, etc. 
• Compare the features, benefits and terms of different cards, including annual fees, reward programmes, welcome bonuses, milestone benefits, interest rates and lounge access. 
• Familiarise yourself with the late payment fees, foreign transaction fees, balance transfer fees, and cash advance fees. Carefully read the terms and conditions, including the interest rate terms, fees, and rewards program rules.
  

Latest Credit Card Offers

PIXEL PLAY Credit Card by HDFC Bank 

• 5% CashBack on choice of any two brand packs of your choice from Dining & Entertainment, Electronics, Fashion, Groceries and Travel 
• 3% CashBack on choice of any one e-commerce merchant - Amazon or Flipkart or PayZapp 
• 1% Unlimited CashBack on all spends* 
  

PIXEL GO Credit Card by HDFC Bank 

• 1% Unlimited CashBack on eligible transactions 
• Exclusive dining offers 
• Pay in parts with flexible low cost EMIs 

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:

1. 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.