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HDFC Credit Card – Features, Eligibility & Apply Online

Home HDFC Bank HDFC Credit Card – Features, Eligibility & Apply Online

HDFC Bank Credit Cards come with a diverse range of benefits in the form of rewards, discounts, cashback and other complimentary services. These cards cater to varied individual needs of the customers and offer value-back across spending categories, like travel, shopping, dining, fuel and many more. Depending upon your preferences, you can also avail accelerated benefits on select brands, like Swiggy, IndianOil, Tata Neu, IndiGo, Marriott Bonvoy, etc. through co-branded cards. Refer below to the list of top HDFC Bank Credit Cards in 2024 to compare and apply online via Paisabazaar for the card that best suits your needs.

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Updated: 23-12-2024 08:27:41 AM

Top 10 HDFC Bank Credit Cards for December 2024

You can find HDFC Bank credit cards with varied features and benefits focusing mainly on one or more spending categories. Some HDFC cards offer reward points while others offer cashback, some are co-branded with popular airlines like IndiGo while others are launched in association with lifestyle brands like Tata Neu.
Here is the list of the most popular HDFC credit cards. You can choose compare and apply for the best HDFC credit card as per your needs and preferences.

HDFC Infinia Credit Card Metal Edition

infinia-credit-card
4/5

Joining fee: ₹12500

Annual/Renewal Fee: ₹12500

Unlimited airport lounge access for primary and add-on members

10x reward points on travel and shopping spends on Smartbuy

Travel
Lounge Access
Reward Points
Check Eligibility

Product Details

  • 1 RP = 1 Air Mile or Rs. 1 for travel bookings, Apple products and Tanishq vouchers purchased via SmartBuy
  • Invite-only card with Club Marriott membership and 12,500 reward points on card activation & renewal
  • 5 reward points on every Rs. 150 spent, including spends on insurance, utilities and education​
  • Access to unlimited golf coaching in India & golf games across the world with 2% forex mark-up fee
  • Book 3 nights stay at participating ITC hotels and pay for 2 with 1+1 complimentary weekend buffet
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HDFC Diners Club Black Credit Card

hdfc-diners-club-black-credit-card
4/5

Joining fee: ₹10000

Annual/Renewal Fee: ₹10000

Unlimited airport lounge access for primary and add-on members

High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent

Travel
Lounge Access
Reward Points
Check Eligibility

Product Details

  • Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
  • Annual memberships of Club Marriott, Forbes, Amazon, Swiggy One (3 months) and MMT BLACK on joining
  • Low forex markup fee of 2% and renewal of annual complimentary memberships on Rs. 8 lakh annual spends
  • Any 2 vouchers of Rs. 500 from Ola cabs, cult.fit Live, BookMyShow, or TataCliQ on Rs. 80,000 monthly spends
  • 6 complimentary golf games in a calendar quarter
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Marriott Bonvoy HDFC Credit Card

marriott-bonvoy-hdfc-credit-card
3/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

Marriott Bonvoy Silver Elite status with 4x MB Points on partner hotel spends

12 airport lounge access each within and outside India per year

Travel
Co-branded
Check Eligibility

Product Details

  • 1 free night award and 10 Elite night credits as joining bonus
  • 2 complimentary golf access with green fee waiver per quarter across the world
  • 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
  • 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
  • 1 free Night Award each on reaching Rs. 6 lakh, Rs. 9 lakh and Rs. 15 lakh annual spends
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HDFC Regalia Gold Credit Card

hdfc-regalia-gold-credit-card
4/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital

4 reward points per Rs. 150 across all retail spends

Travel
Shopping
Reward Points
Check Eligibility

Product Details

  • Complimentary Swiggy One & MMT Black Elite Memberships
  • Gift voucher worth Rs. 2,500 on the payment of joining fee
  • 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
  • Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers worth Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
  • Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
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Tata Neu Plus HDFC Credit Card

tata-neu-hdfc-bank-credit-cards
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 7% value back on Tata Neu spends

4 domestic lounge access per year

Shopping
Co-branded
Check Eligibility

Product Details

  • 499 NeuCoins after the first spend within 30 days of card issuance
  • 2% NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands
  • 1% NeuCoins on UPI, non-Tata brand and merchant EMI spends
  • Additional 5% NeuCoins on select spends at Tata Neu app/website
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HDFC Millennia Credit Card

millennia-credit-card
3.5/5

Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & more

1% cashback on spends at other categories

Cashback
Online Shopping
Check Eligibility

Product Details

  • 1 complimentary lounge access or a voucher of Rs. 1,000 on spending Rs. 1 Lakh in a quarter
  • Up to 20% off on dining at partner restaurants via Swiggy Dineout
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000
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Swiggy HDFC Bank Credit Card

swiggy-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10% cashback on Swiggy food orders, Instamart, Dineout & Genie

5% cashback on online spends

Dining
Co-branded
Cashback
Check Eligibility

Product Details

  • 1% cashback on other spends
  • Up to Rs. 3,500 cashback in a month
  • 3-month Swiggy One Membership worth Rs. 1,199 on card activation
  • Renewal fee waived off on Rs. 2 lakh annual spends
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HDFC MoneyBack+ Credit Card

hdfc-bank-moneyback-plus-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket

5X CashPoints on EMI transactions at select merchants

Shopping
Reward Points
Check Eligibility

Product Details

  • 2 CashPoints per Rs. 150 spent on other categories
  • 500 CashPoints as welcome benefit after the payment of joining fee
  • Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits
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IndianOil HDFC Credit Card

indianoil-hdfc-bank-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to 6% savings on IndianOil fuel spends

5% fuel points on groceries and bill payment spends

Co-branded
Fuel
Check Eligibility

Product Details

  • 5% fuel points on spends done at IndianOil outlets
  • 1% fuel surcharge waiver, up to Rs. 250 per month, for IOCL fuel spends of Rs. 400 and above
  • 1 fuel point per Rs. 150 spent on other purchases, including UPI, where 1 fuel point = Up to Rs. 0.96
  • Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining
  • Annual fee waived off on spending Rs. 50,000 in a year
Know More

Video: Major Changes in HDFC Credit Card Benefits

On this page
Other Popular HDFC Credit Cards
HDFC Credit Cards: Features & Benefits
HDFC Credit Card: Fees & Charges
HDFC Credit Card: Eligibility Criteria
Apply for HDFC Credit Card Online
Quick Links to Manage your HDFC Credit Card
FAQs on HDFC Credit Card

Changes in Rewards Structure, effective 1st Sep 2024

  • Reward earning on utility spends capped at 2000 points per month
  • Reward earning on telecom and cable spends capped at 2000 points per month
  • Education payments made through third-party platforms will not earn any reward points

Transaction fee imposed, effective 1st Aug 2024

Category Transaction Fee
Rent Payments made via third-party apps 1% (capped at Rs. 3,000 per transaction)
Education Payments made via third-party apps 1% (capped at Rs. 3,000 per transaction)
Utility Spends 1% (max. Rs. 3,000) for spends exceeding Rs. 50,000*
Fuel Spends 1% (max. Rs. 3,000) for spends exceeding Rs. 15,000*

*For Business Cards, 1% transaction fee is capped at Rs. 3,000 each for utility spends exceeding Rs. 75,000 and fuel spends exceeding Rs. 30,000.

Changes in HDFC Infinia’s Rewards Structure, effective 1st Oct 2024

  • Redemption of reward points against Apple products through the SmartBuy portal will be capped at one product per quarter

Suggested Read: HDFC Infinia Credit Card Metal Edition

Other Popular HDFC Credit Cards

Apart from the above-mentioned credit cards, the bank also offers other credit cards catering to your travel, shopping, dining and other lifestyle-related needs. Below mentioned are some of the popular credit cards:

Credit Cards Annual Fee Best Suited For
6E Rewards XL IndiGo HDFC Bank Credit Card Rs. 1,500 Travel
HDFC Platinum Times Credit Card Rs. 1,000 Dining & Movies
HDFC Diners Club Privilege Credit Card Rs. 2,500 Lifestyle Benefits
InterMiles HDFC Bank Signature Credit Card Rs. 2,500 Travel
Shoppers Stop Black HDFC Bank Credit Card Rs. 4,500 Shopping
IRCTC HDFC Bank Credit Card Rs. 500 Travel
HDFC PIXEL Play Credit Card Rs. 500 Cashback
HDFC Bank H.O.G Diners Club Credit Card Rs. 10,000 Rewards
HDFC Harley-Davidson Diners Club Credit Card Rs. 2,500 Rewards

HDFC Credit Cards: Features & Benefits

Though each HDFC card comes with a different set of benefits, there are some common features that most credit cards from HDFC Bank would have. Key features of HDFC credit cards include:

EMI Conversion: Using HDFC Bank’s Smart EMI facility, you can convert big-ticket transactions into instalments and pay off over a period of 3 to 24 months, or higher in some cases. Interest is usually applicable on such EMIs, however, the bank also offers no-cost EMI facility on select merchant spends.

Loan on Credit Card: HDFC Bank also offers loan on credit card under their Insta Loan and Insta Jumbo Loan facilities. In case of Insta Loan, your limit will be blocked for the amount you borrow whereas in case of Insta Jumbo Loan, you can get an amount over and above your available credit limit. The eligible loan amount and interest rates, however, vary from user to user.

Balance Transfer: If you have an outstanding balance on a credit card from some other provider and find it difficult to pay off, you can transfer the balance to your HDFC Bank credit card.
This will allow you to make payments in easy instalments without any penalties or finance charges. Note that interest rates will still be applicable on balance transfers but the rate will be lower than credit card finance charges.

Link HDFC RuPay Credit Cards to UPI: You can now use your HDFC RuPay Credit Cards on BHIM UPI and all other UPI-enabled apps. Thus, you will be able to make UPI payments, even when you don’t have enough funds in your bank account.

HDFC Bank Credit Card Offers

HDFC Credit Card: Fees & Charges

Some of the common HDFC credit card fees and charges are mentioned in the table below:

Fee Type Amount
Joining/Annual Fee Varies for all HDFC Bank credit cards
Finance Charges Up to 3.75% p.m. | 45% p.a. (varies from card to card)
Late Payment Fee

Excluding Infinia (Metal Edition)

 For Outstanding Balance of – 

Up to Rs. 100: Nil
Rs. 101 to Rs. 500: Rs. 100
Rs. 501 to Rs. 1,000: Rs. 500
Rs. 1,001 to Rs. 5,000: Rs. 600
Rs. 5,001 to Rs. 10,000: Rs. 750
Rs. 10,001 to Rs. 25,000: Rs. 900
Rs. 25,001 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300

Click here to view other associated fees and charges related to HDFC Bank credit cards.

HDFC Credit Card: Eligibility Criteria

Each credit card provider has its own set eligibility criteria which can vary for every credit card variant.
It is advisable to check whether you meet the eligibility requirements, like the minimum income required and age limit, before applying for your card of choice to minimise the chances of application rejection which may affect your credit score.

Given below are the common HDFC credit card eligibility criteria and the documents required during credit card application process that you must satisfy to apply for HDFC credit cards:

  • Age: Between 21 years and 65 years
  • Employment: Salaried or Self-employed
  • Documents Required: Click here to find the list of documents accepted by HDFC Bank

The minimum income requirement for some of the top HDFC credit cards is as follows:

Credit Cards Net Monthly Income for Salaried ITR per annum for Self Employed
IndianOil HDFC Bank Credit Card > Rs. 10,000 > Rs. 6 lakh
Swiggy HDFC Credit Card > Rs. 15,000 > Rs. 6 lakh
HDFC Bank Millennia Credit Card > Rs. 35,000 > Rs. 6 lakh
HDFC Regalia Gold Credit Card > Rs. 1 lakh > Rs. 12 lakh
6E Rewards XL IndiGo HDFC Bank Credit Card > Rs. 1.2 lakh > Rs. 14.4 lakh
HDFC Bank Diners Club Black Metal Edition Credit Card > Rs. 1.75 lakh > Rs. 21 lakh

HDFC Millennia Credit Card Offer

Apply for HDFC Credit Card Online

You can apply for HDFC credit cards via Paisabazaar through a completely digital process. Follow the steps given below:

Step 1: Enter your mobile number in the form on the top of this page to begin the application process.
Step 2: Provide the OTP sent on the mobile number for verification.
Step 3: Check and compare the cards you are eligible for from the list of pre-qualified card offers.
Step 4: Select and apply for the best credit card.
Step 5: Provide the required documents for smooth processing of the application and submit the completed application.

Once HDFC Bank verifies the documents and approves your application, you can expect the credit card to reach you within 10 working days.

In case you are unable to view the card of choice at our end, you may visit and apply directly at the bank’s website.

FAQs on HDFC Credit Card

Q. How to pay HDFC credit card bills?

A. You can make your HDFC Bank credit card bill payment through online and offline methods. To pay your HDFC card bill online, you can use HDFC net banking or mobile banking facility. You can also use HDFC mobile app or HDFC credit card bill desk to make the payment online. To pay the bills offline, you can visit the nearest branch of the bank and pay via cheque or cash.

Q. Can I apply for HDFC credit card offline?

A. Yes, to apply offline, you can visit the nearest branch of the bank and contact an executive regarding the application process. You need to fill out and submit an application form along with the required documents. The bank will verify your documents and process your application.

Q. How to register for HDFC credit card net banking?

A. If you are already an HDFC Bank customer having a salary/savings/current account with the bank, you can easily link your credit card to your net banking service. However, if you have got an HDFC bank credit card but do not avail any other service from the bank, you can still register for HDFC credit card net banking. Follow this process:

  • On HDFC Bank’s official website, go to ‘Ways to bank’ section
  • Select ‘Bank online’ and then go to ‘credit card net banking’
  • Click on ‘Register for credit card netbanking’
  • Choose a Login ID and enter your details- name, credit card number, PIN, expiry date and create a new password for your account
  • Submit the form 6. If all the details are correctly entered, your HDFC credit card net banking account will be created

Q. How to check HDFC credit card application status?

A. Visit HDFC Bank’s official website, then go to the ‘Credit Cards’ section, scroll down to the ‘Important Links’, then you will be redirected to another page. Here, you can check HDFC credit card status online using a combination of any of these details:

  • Application reference number and mobile number
  • Application form number and mobile number
  • Date of birth and mobile number Enter the details and submit.

Q. How can I increase the limit on my HDFC Bank credit card?

A. The bank may offer you a higher limit, when you have been using your card for a long time, utilise a significant portion of the available limit and make timely payments. You will be conveyed your enhanced limit via SMS or email which you need to approve.
However, if the bank does not offer you a higher limit on its own, you can request a limit increase by speaking to the customer service executive or by writing a letter to the bank. In this case, you may also be required to submit your latest income documents.

Q. What is the minimum income requirement for HDFC credit cards?

A. The income requirement is different for each HDFC Bank credit card. Usually entry-level credit cards have a lower income requirement, in comparison to premium and invite-only cards. For instance, HDFC Moneyback, which is an entry-level card, has the minimum income requirement of Rs. 25,000 p.m.
Whereas, HDFC Regalia Credit Card has the minimum income criteria of Rs. 1 lakh p.m. You can check the income requirement for each card on the respective card page on HDFC Bank’s official website.

Q. I don’t have a CIBIL score. Can I apply for HDFC Bank credit card?

A. HDFC Bank prefers to give credit cards to people who have good credit scores (preferably above 750). However, the bank also offers entry-level credit cards that are designed for people who are new to credit. You can apply for such cards if you want to start your credit journey. Besides this, if you have a salary account with the bank, you will have better chances of credit card approval.

Q. Why did my HDFC credit card application get rejected?

A. If you don’t meet the eligibility criteria or some internal policies of HDFC Bank, then the bank may reject your request. Generally, the bank sends a message on your registered mobile number regarding your application status. Additionally, you can also call on the HDFC credit card customer care number and ask the representative about your query regarding rejection.

Q. What is HDFC credit card customer care number?

A. You can contact HDFC credit card customer care on 1800 1600 / 1800 2600 (toll free). This number is accessible across India. Additionally, if you have any other query, you can also fill a feedback form by visiting the official website of the bank. The email address for HDFC customer care is customerservices.cards@hdfcbank.com.

Q. Can I get loan on HDFC Bank credit card?

A. Yes, HDFC Bank offers loans on credit cards to select cardholders. You can avail the ‘Insta Loan’ facility wherein the amount is deducted from your available credit limit. However, HDFC Bank also offers ‘Insta Jumbo Loan’ which is a personal loan against credit card. Eligible loan amount and interest rates vary from one user to another.

Q. Does HDFC provide a lifetime free credit card?

A. Currently, HDFC Bank does not offer lifetime free credit card. However, the bank occasionally offers promotional lifetime free offers on select cards. You can contact HDFC Bank’s customer care to check if any current offers apply. For entry-level credit cards with relatively lower eligibility criteria, you consider options like HDFC MoneyBack+, HDFC Bank Times Card, and Swiggy HDFC Credit Card.

Q. How to redeem HDFC credit card points?

A. To redeem your HDFC credit card reward points, log in to your Net Banking account. Once logged in, go to the ‘Cards’ section, select ‘Redeem Rewards,’ and choose the category you’d like to redeem for—such as vouchers, travel, products, or cashback.

Quick Read: Best Rewards Credit Card

Q. How to check if your HDFC card has airport lounge access?

A. To check if your HDFC credit card offers airport lounge access, visit HDFC Bank’s website, navigate to your specific credit card’s page, and review its benefits. You can also check your welcome kit, which generally details lounge access benefits, including eligible lounges and terms. Additionally, you can also contact customer care of the bank to confirm lounge access benefits and eligibility.

Q. Does HDFC have a fuel card?

A. Yes, HDFC Bank offers two fuel credit cards: HDFC Bharat Cashback Credit Card and HDFC IndianOil Credit Card. Both cards offer accelerated rewards or cashback on fuel purchases at partner brands. Additionally, you can earn base rewards or cashback on other eligible purchases, making these cards suitable options for fuel savings and everyday spends.

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