HDFC Credit Cards are the most popular cards among each segment of users. You can enhance your lifestyle, splurge on a luxurious indulgence, make your purchases rewarding, get fuel benefits, fly to global destinations with these cards.
HDFC Bank offers an array of credit cards for various segments. From luxury travel cards, moneyback cards, reward cards to lifestyle and shopping cards, you can choose the Best HDFC Credit Card in Indian that is perfectly suited for your needs.
| Name of the Card | Annual Fee | Type of Card |
| HDFC Freedom | Rs.500+GST | Shopping and Rewards |
| HDFC Indian Oil Credit Card | Rs 500+GST | Fuel Credit Card |
| HDFC Infinia Credit Card | Rs 12,500+GST | Infinia Metal Edition Credit Card |
| HDFC MoneyBack | Rs.500+GST | Shopping and Cashback |
| HDFC Millenia | Rs.1000+GST | Shopping and Cashback |
| HDFC Diners Club Black | Rs.5000+GST | Lifestyle and travel |
| HDFC Regalia | Rs.2500+GST | Luxury Travel Card |
| HDFC Platinum Plus Card | Rs.399+GST | Shopping and Rewards |
| HDFC Business Platinum Credit Card | Rs.299 +GST | Corporate |
| HDFC Solitaire Credit Card | Rs.500+GST | An exclusive card for women |
HDFC Credit Cards are the most popular cards among each segment of users because of the following reasons:
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Compare various HDFC Credit Card offers to find the best one for you.
Submit an online application form for the card that you have chosen along with some personal details and HDFC Credit Card Document.
If you fulfill the HDFC Credit Card Eligibility, the card will be issued to you after it is approved.
HDFC Bank has set the following eligibility criteria for availing its Credit Card facility:
Here is a list of service charges associated with your HDFC Credit Card. However, the fees and charges may vary between different types of cards. You can call HDFC Credit Card Customer Care for complete details.
| Type of Charges | Charges Details |
| Interest Free Period | Up to 50 days |
| Interest Rate | 3.49% per month |
| Additional Card Fee | Free |
| Cash advance fees | 2.5% of the amount |
| Cash processing fee | Rs. 100 |
| Reward redemption fee | Rs. 99 per request |
| Foreign currency transactions Charges | 3.50% |
| Balance transfer charges | 1% of the amount or minimum Rs. 250 |
| Reissuance fee | Rs. 100 |
| Payment return Fee | 2% |
| Cash advance limit | 40% of the credit limit |
| Overlimit Charges | 2.50% of the overlimit amount |
| Card Replacement Charge | Rs. 100 |
For Salaried employees
2 photographs of the applicant in passport size.
ITR records from the last two years.
Proof of identity such as the applicant’s Passport/ PAN Card/ Voter ID/ Driving License
Proof of Residential Address such as Registered Rent Agreement/ Leave and License/ Utility Bill of at least three months/ Passport.
Proof of Income such as last six months’ salary slip, Form 16 of two years, Bank statement of previous six months (that reflects salary is credited or EMI is debited).
For Self-Employed
2 photographs of the applicant in passport size.
Proof of identity such as the applicant’s Passport/ PAN Card/ Voter ID/ Driving License.
Proof of Residential Address such as Registered Rent Agreement/ Leave and License/ Utility Bill of at least three months/ Passport.
Proof of Business like GST/ Service Tax Registration/ company’s incorporation details/ Address proof of the business/ accounts and balance sheets showing profit and loss statements which have been certified by a CA/ the proof of the business’ existence/ a copy of the partnership deed and business profile.
You can make payments towards your HDFC Credit Card using different options:
Netbanking: Use HDFC Net Banking service for your credit card number as the beneficiary account number to transfer funds.
Mobile Banking: Download the HDFC mobile banking app and make payments from your smartphone.
Cheque: Drop a cheque at any HDFC collection centre at least 10 days before the due date.
Cash: Make a cash payment towards the loan at your nearest HDFC branch.
To make the best HDFC Credit card use, here are some simple tips:
Pay the full outstanding amount on or before your due date.
Avoid using your HDFC Card to make cash withdrawals unless it is an emergency.
Do not use the full available credit each month as it reflects poorly on your CIBIL report.
Do not make minimum payments as it is the easiest way to get entangled in credit card debts.
Use your credit card only when required. Or make sure you keep track of the payments made using your card.
Never disclose your credit card details to anyone over email, SMS, or phone calls.
