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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.
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Benefits of HDFC Bank Credit Cards

  • Cashback & Discounts: Exclusive offers on Amazon, Flipkart, Swiggy, etc.
  • Travel Benefits: Free lounge access, airline discounts, and travel insurance.
  • Shopping Benefits: Discounts on Myntra, Tata CLiQ, and other brands.
  • Fuel Benefits: Waiver on fuel surcharge at petrol pumps.
  • Welcome & Renewal Benefits: Gift vouchers, bonus reward points.
  • Insurance Cover: Air accident cover, lost card liability, and purchase protection.

How to Use HDFC Credit Card Wisely?

  • Pay Bills on Time: Avoid late fees & high-interest charges.
  • Track Spending: Use NetBanking or the HDFC app for expense monitoring.
  • Opt for EMI: Convert big purchases into interest-free or low-cost EMIs.
  • Maximize Rewards: Use card-specific offers on flights, hotels, and dining.
  • Secure Transactions: Enable SMS alerts & use secure payment gateways.

Factors to Consider Before Applying

  • Online Application: Visit HDFC Bank’s website or mobile app.
  • Offline Application: Visit the nearest HDFC branch.
  • Eligibility Check: Ensure you meet income & credit score criteria.
  • Document Submission: Submit PAN, Aadhaar, income proof, and bank statements.
  • Verification & Approval: KYC verification followed by card dispatch.

Eligibility Criteria for HDFC Credit Cards

  • Age: 21 to 60 years (up to 65 for premium cards).
  • Salaried: ₹25,000+ per month (varies by card).
  • Self-Employed: ₹6 Lakh+ annual income.
  • Credit Score: 750+ for higher approval chances.
  • Existing Banking Relationship: Pre-approved offers for HDFC account holders.

Factors to Consider Before Choosing an HDFC Credit Card

  • Spending Habits: Pick a card matching your lifestyle (travel, shopping, fuel).
  • Annual Fees: Some cards have zero fees, while premium cards charge ₹2,500–₹10,000.
  • Reward Structure: Compare reward points, cashback, and redemption options.
  • Interest Rate: Typically 1.5%–3.5% monthly (varies by card).
  • Add-on Cards: Free or paid add-ons for family members.

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.

List of HDFC Credit Cards: