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Key Features of HDFC Bank Credit Cards
- Wide Range of Cards: Travel, shopping, fuel, rewards, and premium cards.
- Contactless Payments: Tap-and-pay with NFC-enabled cards.
- Reward Points: Earn points on every spend, redeemable for flights, vouchers, and more.
- EMI Facility: Convert large purchases into easy EMIs.
- Zero Fraud Liability: Protection against unauthorized transactions.
- Complimentary Airport Lounge Access: Available on select cards.
- Fuel Surcharge Waiver: Save on fuel transactions.
- Dynamic Currency Conversion: Hassle-free international transactions.


Frequently Asked Questions
How can I check my HDFC credit card application status?
Visit HDFC’s website or call customer care.
What is the interest rate on HDFC credit cards?
Typically 1.5%–3.5% per month (varies by card).
How to redeem HDFC reward points?
Log in to NetBanking > Rewards Section > Choose redemption option.
Does HDFC offer a lifetime-free credit card?
Yes, some cards like Millennia, Freedom, Tata Neu are lifetime-free.
How to increase HDFC credit card limit?
Request via NetBanking, or the bank may auto-enhance based on usage.
What is the fuel surcharge waiver benefit?
Get a 1% waiver on fuel spends (min. ₹400–₹5,000 transaction).
How to block a lost HDFC credit card?
Call customer care or block via NetBanking/Mobile App immediately.