HDFC Bank Credit Cards

HDFC Credit Cards Features and Benefits

As discussed earlier, the HDFC Bank provides exciting benefits with its credit cards. Not only reward programs but there are many more advantages of having an HDFC Bank Credit Card. Some of the key benefits that you can get from HDFC Bank Cards:

Welcome Benefits – On card activation, HDFC Credit cards offer exciting welcome benefits to the cardholders in the form of complimentary membership of premium partners, bonus reward points, accelerated cashback, gift vouchers and much more. Generally, welcome benefits are provided to the cardholder on successful payment of the Joining fee.

Rewards/Cashback – Every time you spend using your HDFC Bank Credit Card, you get rewarded in the form of reward points/cashback or sometimes in the form of Intermiles as well (except on a few transactions). Moreover, some cards may also offer accelerated reward points/cashback on spending on select categories. The cardholder can redeem the reward points earned against endless options of their choice.

Milestone Benefits – The cardholder can avail of the milestone benefits associated with a credit card and enjoy almost the same benefits as the welcome benefits like, Complimentary air tickets, bonus reward point/cashback, gift vouchers and much more. The milestone benefits are provided to the cardholder on achieving the required spend threshold/target.

Travel Benefits – HDFC Bank also issues some travel credit cards providing complimentary airport lounge access, complimentary air tickets, complimentary airlines/hotels’ premium memberships, and many more. The cards with all these benefits can be considered best for people who love to travel.

Movie & Dining Benefits – HDFC bank issues a lot of credit cards offering exciting movie and dining benefits keeping in mind the entertainment needs of its cardholders. The movie benefits with a credit card may include complimentary movie tickets, or even discount on such tickets, and much more. As dining benefits, the card offer complimentary memberships like Dineout passport, EazyDiner Prime membership, etc.

Other Benefits – Other than the lucrative benefits mentioned above, HDFC Credit cards comes with many other additional benefits like, insurance benefits, waiver on fuel surcharge, complimentary golf rounds, spend-based annual fee wavier, and many others.

Popular HDFC Bank Credit Cards

Super Premium HDFC Bank Cards:

HDFC’s Infinia Metal Edition and Diners Club Black are two of the top HDFC Credit Cards in the super-premium category. You can find detailed information about these two cards below:

Infinia Metal Edition Credit Card

Infinia Metal Edition Credit Card, the most premium offering by the bank. It is an invite-only card and offers premium benefits like a 24×7 concierge service, unlimited domestic and international lounge access, golf privilege, and a lower foreign currency mark-up fee. As it is a reward points card, you earn 5 reward points per Rs. 150 you spend using the card. You have to pay an annual membership fee of Rs. 12,500 for this card.

Diners Club Black Credit Card

After Infinia, the second most premium offering by the HDFC bank is the Diners Club Black credit card. This card also earns you 5 reward points for every Rs. 150 spent. You also get complimentary membership of some of the most popular subscription services like Amazon Prime and Zomato Pro with this card. The annual membership fee for this card is also Rs. 10,000/annum.

HDFC Bank Lifestyle Credit Cards:

HDFC Bank also offers some great lifestyle-based credit cards along with the travel and reward categories. SOme best lifestyle credit cards issued by HDFC Bank are as follows:

Regalia Gold Credit Card

The Regalia Gold card offers some of the best lifestyle and travel privileges to the cardholder. The card charges a Rs. 2500 annual fee offering complimentary Club Vistara Silver and MMT Black Elite membership. Also, you get 4 Reward Points per Rs. 150 spent on retail and 5x Reward Points per Rs. 150 spent at Reliance Digital, Nykaa, Reliance Digital, Marks & Spencers, and Myntra, both online and in-store. You can redeem your reward points at the Smartbuy portal or at the Exclusive Gold catalog.

Regalia Credit Card

Regalia credit card, one of the most popular credit cards in HDFC’s credit card portfolio. Although it is not a super-premium card, you still get benefits like a 24×7 concierge service and a lower foreign currency mark-up fee. It is also a reward points-based credit card and earns you 4 reward points every time you spend Rs. 150. The renewal membership fee for the card is Rs. 2,500 per annum.

Diners Club Privilege Credit Card

The Diners Club Privilege card is also a very popular lifestyle card by HDFC. You get complimentary membership of some of the most popular subscription services like Amazon Prime, Times Prime, Zomato Pro, etc. This card also earns you 4 reward points per Rs. 150 you spend. You also get some premium benefits like a lower foreign currency mark-up fee & travel-related insurance benefits (personal air accident cover worth Rs. 1 crore).

HDFC Bank Cashback Credit Card:

HDFC Millennia Credit Card

The Millennia credit card by HDFC Bank is one of the best cashback credit cards currently available in the market. It is tailored to the needs of the millennials. The card gives you 2.5% cashback on online shopping websites and a 1% cash back on offline transactions. The membership fee of this card is Rs. 1,000 per annum. The card also offers benefits like travel benefits, dining benefits and much more.

Tata Neu Infinity HDFC Bank Credit Card

Out of the two co-branded credit cards by HDFC Bank and Tata Neu, the Infinity is the premium variant with a Rs. 1499 annual fee and offering a welcome bonus of 1499 Neu Coins. Also, the card offers exclusive privileges across various categories like complimentary lounge access, cashback as NeuCoins on your spends, travel insurance, and much more.

Tata Neu Plus HDFC Bank Credit Card

The Neu Plus credit card is great for loyal customers of both HDFC Bank and Tata brands offering 2% value back as Neu Coins and 499 Neu Coins as a welcome benefit. As an introductory offer, you get bonus Neu Coins on the Tata Neu app along with other privileges like complimentary lounge access, fuel surcharge waiver, zero liability protection, annual fee waiver, etc.

HDFC Bank MoneyBack Plus Credit Card

The HDFC Bank MoneyBack Plus Credit Card is a great cashback offering card. The card provides tons of cashbacks like, 10x Cash Points on Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy, 5x Cash Points on EMI spends and 2 Cash Points every time you spend Rs. 150. These cashbacks are redeemable for cashback, purchasing products, flight/hotel bookings via SmartBuy and partner airlines’ AirMiles. Apart from this, the card offers other benefits like dining benefits, fuel surcharge waiver, spend based waiver and much more.

Paytm HDFC Select Credit Card

The Paytm HDFC Select Credit Card by the HDFC Bank is a Co-Branded card in partnership with the Paytm and comes with Paytm First loyalty membership. The card offers great cashback benefits especially for those who enjoy shopping through Paytm app and Paytm Mall. It offers 5% cashback on Paytm Mall/Movies/Mini apps spends, 2% on other Paytm spends and 1% on all other retail spends with the card. These cashpoints can be redeemed against outstanding balance as or can be used for other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue. Other benefits like, travel benefits, fuel, milestone benefits and much more are also provided with the card.

Paytm HDFC Bank Credit Card

The Paytm HDFC Bank Credit Card is a Co-Branded credit card in partnership with the Paytm. The card comes with complimentary Paytm First membership. The card offers 3% cashback on spends on Paytm Mall, Paytm movies, and the Mini app, 2% cashback on spends on the Paytm app and 1% on retail spends outside the Paytm app. The card offers other benefits like milestone benefits, fuel surcharge waiver and spend based waiver as well.

HDFC Bank Travel Credit Cards:

Indigo 6E Rewards XL Credit Card

HDFC Bank launched this card in collaboration with Indigo Airlines, which is the country’s largest and most popular airline. You earn reward points as 6E Rewards- 5% on Indigo, 3% on grocery, dining, and entertainment, and 2% on all other spends. Apart from this, the card also offers complimentary domestic lounge access with this credit card. These benefits make this card the card of choice for frequent domestic flyers. The annual membership fee for this card is Rs. 2,500 and it is one of the best HDFC Credit Cards in the travel category.

InterMiles HDFC Bank Platinum Credit card

This is another travel credit card by the HDFC bank. With a nominal annual fee of Rs. 1,000, the card offers you reward points as InterMiles. You earn 8 InterMiles for every Rs. 150 spent on the flights or hotels booked on the InterMiles portal and  4 InterMiles for every Rs. 150 spent on other retail spends.

HDFC Bank Fuel Credit Card:

IndianOil HDFC Bank Credit Card

This credit card earns you rewards as fuel points. Earn up to 50 liters of free fuel annually with this card. This card earns you 5% fuel points on spends at Indian Oil outlets and on groceries purchases and bill payments and 1% fuel points on all other retail spends. The annual membership fee of this card is just Rs. 500.

HDFC EMI Credit Card:

EasyEMI Card

As suggested by its name, this credit card is especially for those who prefer to purchase products on EMIs. All transactions above Rs. 10,000 are automatically converted into EMIs for 9 months. You also get a cashback of 2.5% on online spends and 1% on offline spends. The annual fee for this cardi is Rs. 500.

HDFC Entertainment Credit Card:

Platinum Times Card

This card is ideal for movie buffs and for those who love to dine out frequently. You can save up to Rs. 350 on movie ticket bookings with a discount of 25% on BookMyShow. This card earns you 3 reward points on every Rs. 150 and accelerated 10 reward points per Rs. 150 on dining spends on weekdays. The annual subscription fee for this card is Rs. 1,000.

HDFC Credit Card Rewards and Cashback

All the major card issuers provide their cardholders with exciting rewards or cashback benefits so that they can save more and more on their spends when they make purchases using their credit card. HDFC Bank also does the same and offers different types of rewards with different credit cards. The reward rate may be different on different credit cards, i.e, more on premium cards and less on basic ones. The reward points or cashback that you earn on these top 10 HDFC Bank Cards are summarised in the table below:

How To Earn and Redeem HDFC Credit Card Reward Points?

With the HDFC Bank Rewards Credit Cards, you can earn reward points on almost all your spends. Every cardholder can earn reward points, but only a few of them know how to earn the maximum rewards with a credit card. Almost every credit card offers accelerated rewards in one or two selected categories & regular points on all other spends. To save the most using your HDFC Credit Card, make sure that you get a credit card that comes with accelerated reward points in a category where you spend the most. Moreover, you also need to keep in mind that you can earn reward points not only on your regular spends, but in the form of welcome benefits or milestone benefits as well. So, you must try to achieve the minimum required spends so that you can earn thousands of bonus points together. However, overspending on your credit card to get more reward points is never a good idea.

HDFC bank provides an easy way for the redemption of reward points to its customers. You just need to keep in mind that you should have a minimum of 500 Reward points to redeem. You can easily redeem your earned points via Net Banking by following a few simple steps as mentioned below:

• Log in to your HDFC Bank credit card internet banking account.
• Under the section credit cards, register your card if not already done.
• Now, on the left navigation bar, click on ‘Redeem Reward Points.’
• Select your credit card and proceed.
• Click on Redeem Reward points.
• Select the range of reward points you have and the category against which you want to redeem your points.
• Add your items to the cart.
• Check all the details and then click on Redeem to confirm the redemption.
• Note down the redemption order number.

HDFC SmartBuy:

SmartBuy is HDFC bank’s rewards aggregator portal, where you’ll find deals and offers that the bank offers in partnership with third-party merchants. You can also book hotel and flight tickets and purchase Instant Vouchers on SmartBuy. While on most HDFC cards, you get additional cashback on shopping via SmartBuy, you earn accelerated  Reward Points on your Infinia and Diners Club Black Cards. For more information on the extra reward points and cashback that you earn on the SmartBuy portal, you may refer to this post.

Apart from this, HDFC also runs a 3-day Extra Saving Days Sale almost every month on SmartBuy. Under this sale, you can earn up to 3X Reward Points/cashback on the spending on the SmartBuy portal (more information on this here).

HDFC Bank Credit Cards Eligibility Criteria

To get a particular credit card, the applicants need to fulfill some specific eligibility criteria. Generally, the age requirements are almost the same for all HDFC Credit Cards, but income and credit score requirements might vary. You generally need to have a higher annual income to apply for a premium credit card as compared to a basic card. Following are some basic eligibility requirements that you need to fulfill in order to get an HDFC Bank Credit Card:

• The age of the primary cardholder should be above 21 years and that of the supplementary cardholders should be above 18 years.
• The applicant should have a stable source of income.
• The applicant should be maintaining a decent credit score.

Documents Required

The bank requires KYC documents including identity proof, address proof, and proof of income to process your credit card application. The documents accepted as ID proof, address proof, and proof of income are-

• ID Proof: PAN card, Aadhar card, voter card, passport, driving license, etc.
• Address Proof: Aadhar Card, passport, electricity/telephone bill, voter card, driving license, etc.
• Income Proof: Salary Slip or audited ITR.

For more information on this, you can check the HDFC Bank Credit Card Eligibility & Documentation page.

HDFC Bank Credit Card Annual Fees and Charges

There are several fees and charges associated with credit cards. Most people only consider the annual fee while applying for a credit card as it is something that is most important. The annual fee of these top 10 HDFC bank credit cards is as under, but it is also advisable for you to go through all other fees and charges as well:

*spends within 90 days
**spends within 1 year
***activation within 90 days and renewed every year

18% GST is applicable on the annual fee of each of these credit cards. You can find more detailed information about HDFC Bank Credit Cards fees and charges on this page.

Other Fees & Charges

Apart from the annual fee, there are many more charges you need to pay with a credit card when required. These fees and charges include interest rate (which is charged on the outstanding balance that has not been paid by the payment due date), cash advance fee (which is charged when you withdraw cash using your credit card), forex markup fee (charged when you make a transaction in a different currency with your credit card), and many more. Some of the important charges that are applicable on the Top HDFC Credit Cards are as mentioned below:

How to Apply For HDFC Bank Credit Cards Online

You can apply online for HDFC Bank Credit Cards in a few easy steps as mentioned below:

• Visit the credit cards section on HDFC Bank’s official website and select the card of your choice.
• Enter the required details and submit the requested documents (mentioned above).
• Bank officials will evaluate your eligibility, if you qualify, your credit card will be mailed to you at your address.
• Alternatively, you can also visit your nearest HDFC bank branch and apply for the card offline.

HDFC Bank Cards Application Status:

You can check your HDFC Bank Card’s application status easily by visiting this page and entering the required details here. Another easy way to know the status of your HDFC Credit Card application is to contact HDFC Bank customer care.

To know more about how you can track the application status of your HDFC Bank Card, click here.

How To Activate HDFC Bank Credit Cards?

After receiving your HDFC Bank Credit Card, the very first thing you need to do is to activate your card in order to use it for purchases. There are several online as well as offline ways in which you can activate your HDFC bank Credit Card. Refer to the following steps to understand the same:

• To activate your HDFC Bank Credit Card, you can sign up/sign in to your HDFC Bank internet banking account using your customer Id & iPIN and activate the card under the ‘Requests’ tab that you will find after entering the Credit Cards section.
• Once you have received your card, you can also inquire the HDFC Bank Credit Card customer care and ask the bank officials to help you with your credit card activation.
• Another method for HDFC Bank Credit Card activation is to do it via an HDFC Bank ATM nearest to you. Just visit your nearest HDFC Bank ATM, insert your credit card, find the option of credit card activation/PIN generation from the main menu and proceed further. You will then receive an OTP on your registered mobile number that you will have to enter for verification.
• If you are unable to activate your credit card even after following all the above methods, you can visit your nearest HDFC branch and ask the bank officials to help you with the same.

HDFC Credit Cards Login/Net Banking

In order to register your HDFC Bank Credit Card for internet banking, you can follow a few simple steps as mentioned below:

• Visit the official website of the HDFC Bank.
• Scroll down to the section ‘Ways To Bank.’
• Click on ‘Online Banking.’
• Now, the option ‘Credit Card Net Banking’ will be there on your screen.
• Click on ‘Register Online’ under that.
• Proceed further to fill in the required details and confirm.

For further information, refer to the HDFC Bank Credit Card Login/Net Banking page.

HDFC Bank Credit Card Customer Care

For any doubts, queries, or complaints related to your HDFC Bank Credit Card, you can contact your credit card customer care via call, email, or post as per your comfort. Following are a few details that can be used to contact HDFC Credit Card Customer Care:

• You can contact HDFC Bank Credit Card customer care via call on their 24*7 helpline number 1800 266 4332.
• If you don’t prefer calling, you can also contact them via email. Just write your questions/complaints and send them to [email protected]
• You can also visit your nearest HDFC branch to get your doubts resolved.

How To Compare HDFC Credit Cards & Choose The Best One?

Comparing credit cards before applying for them is one of the most essential steps to be followed in order to get the maximum benefit out of your card. Firstly, you must analyze your spending habits and try to understand where you spend the most every month. After that, look for the HDFC Credit Cards that are most beneficial in those categories and note down a list of similar cards. Now, you should compare HDFC credit cards wisely. Check for all their features, benefits, and fees & charges and choose a credit card that seems to be the most suitable for you. Make sure that you check the eligibility criteria as well. This is how you can choose the best HDFC Cards for yourself.

HDFC Lifetime Free Credit Cards

Many individuals look for lifetime-free HDFC credit cards, especially when they start their journey with credit cards. If you want to have an HDFC Credit Card with no annual fee, you must know that HDFC doesn’t issue any such card as of now. But, you can make some of the best HDFC Credit Cards like HDFC Regalia, HDFC Millennia, etc, lifetime free for yourself by activation any of these on your card and renewing it every year: Balance Transfer or One Assist or SmartPay or General Insurance.

Also Check: HDFC Bank Credit Cards Lifetime Free Conversion Condition

HDFC Credit Cards With Airport Lounge Access

Complimentary lounge access is something that every frequent traveler looks for in a credit card. If you want to have an HDFC Credit Card with complimentary lounge access, the following are some of the best options you must look for:

HDFC Bank Infinia Metal Edition Credit Card

This card comes with an annual fee of Rs. 12,000 and is the most premium offered by HDFC Bank. The following are some of its key features:

• Complimentary Club Marriot membership and also 10,000 bonus points as a welcome gift.
• Unlimited complimentary domestic lounge access.
• Unlimited complimentary international lounge access.
• Get 5 Reward Points on every spend of Rs. 150.

HDFC Bank Diners Club Black Credit Card

This card comes with an annual fee of Rs. 10,000 and welcomes its customers with several complimentary prime memberships. The following are some of the key features of this card:

• Complimentary Zomato Gold, Amazon Prime, TimesPrimes, Forbes, and MMTDoubleBlack memberships for a year.
• Unlimited complimentary domestic and international airport lounge access.
• 5 Reward Points on every spend of Rs. 150 and 2X RPs on dining.

HDFC Bank Regalia Credit Card

This card is among the most popular offerings by HDFC Bank. It comes with an annual fee of Rs. 2,500 and provides its customers with several exclusive benefits over different categories. Following are some of the most attractive features of this card:

• Welcome bonus of 2,500 Reward Points.
• 12 complimentary access to domestic lounges every year.
• 6 complimentary international lounge access every year.
• Complimentary dine-out passport membership.

HDFC Bank Diners Club Premium Credit Card

This credit card comes with an annual fee of Rs. 2,500 and earns you 4 Reward Points on every Rs. 50 you spend. Following are some of its key benefits:

• 2,500 bonus points as a welcome gift.
• Up to 6 complimentary domestic as well as international lounge access every year.
• Low forex markup fee of 2% only.

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