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Features of HDFC Visa Signature Credit Card

  • 1. Complimentary Priority Pass Membership:
    • Valued at $99 (approximately ₹8,000) providing access to over 1,200 airport lounges worldwide.
    • Potential annual savings of up to ₹8,300 on lounge access.
    • Comfortable spaces to relax, work, or dine before flights.
  • 2. Global Airport Lounge Access:
    • Up to 8 complimentary domestic lounge visits per year in India (2 per quarter).
    • 6 complimentary international lounge visits annually via Priority Pass.
    • Additional visits charged at $27 + GST per visit.
  • 3. Reward Points Program:
    • Earn 2 reward points for every ₹150 spent on eligible transactions (1.33% reward rate).
    • Enhanced rate of 4 reward points per ₹150 on international transactions.
    • Welcome bonus of 500 reward points on first international transaction.
    • Milestone benefit: ₹2,000 Yatra voucher on ₹1,50,000 international spends annually.
Credit Card Promotion
    • Financial Flexibility:
      Interest-Free Credit Period: The HDFC Visa Signature Credit Card offers an interest-free credit period of up to 50 days. This grace period allows cardholders to manage their expenses without incurring interest, provided the outstanding balance is paid by the due date. This feature is particularly useful for those who prefer to defer payments without additional costs.
      Low Interest Rate on Revolving Credit: For balances carried forward, the card charges a competitive interest rate of 3.05% per month (36.6% annually), one of the lowest in its category. This makes it a cost-effective option for those who occasionally revolve their credit.
      Cash Advance Facility: Cardholders can access cash advances, subject to a fee of 2.5% (minimum ₹500) per withdrawal. While this feature provides emergency financial support, it’s advisable to use it sparingly due to the associated costs.
    • Insurance Coverage:
      Comprehensive Travel Insurance: The card includes robust insurance coverage for added peace of mind. Cardholders receive up to ₹50 lakh in complimentary air accident insurance, activated by making a minimum of 4 transactions (each ₹100 or more) in a calendar month. These transactions must exclude ATM and e-commerce purchases. Additionally, road and rail accident insurance of up to ₹3 lakh is provided, ensuring comprehensive travel protection.
      Asset Protection Insurance: Purchases made with the card are covered under asset protection insurance. This includes up to ₹25,000 for personal portable equipment and up to ₹2 lakh for other assets, provided the purchased item costs at least ₹5,000. This feature safeguards your valuable purchases against damage or loss.
    • Fuel Surcharge Waiver:
      Savings on Fuel Transactions: The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹1,000 per billing cycle. Assuming monthly fuel spends of ₹6,000, cardholders can save up to ₹6,000 annually. This benefit is particularly valuable for frequent drivers, reducing the cost of refueling.
    • Add-On Cards:
      Savings on Fuel Transactions: The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹1,000 per billing cycle. Assuming monthly fuel spends of ₹6,000, cardholders can save up to ₹6,000 annually. This benefit is particularly valuable for frequent drivers, reducing the cost of refueling.
    • Global Entry/TSA PreCheck: Application fee reimbursement once every 48 months. Expedited security and immigration at select U.S. airports. Saves time for frequent international travelers.
    • Contactless Payments: Enabled for quick and secure transactions. No PIN required for transactions up to ₹5,000 in India. Enhanced security with EMV chip technology.
    • Fee Waivers: First-year fee waived on spending ₹15,000 within 90 days. Annual fee waived on spending ₹75,000 in previous year. Foreign currency markup fee of 2.5% on international transactions.
    • Visa Concierge Services: 24/7 digital personal assistant for travel planning. Restaurant reservations and event bookings. Exclusive experiences and curated offers.
    • SmartPay for Utility Bills: Automated payment of utility and phone bills. Ensures timely payments and avoids late fees. Simplifies financial management.
    • Redemption Flexibility:
      Reward Points Redemption: Reward points can be redeemed through HDFC’s online rewards portal for a range of options, including:
      Products and Vouchers: Choose from HDFC’s rewards catalog for electronics, gift cards, and more.
      Travel Benefits: Redeem points for flights or hotel bookings via the SmartBuy portal.
      Statement Credit: Convert points to cashback against the card’s outstanding balance.
      To redeem, cardholders log into HDFC’s net banking, select ‘Redeem Reward Points,’ and choose their preferred items. Ensuring accurate address details is crucial, as redeemed products are dispatched to the registered address.
Who We Are

Benefits of HDFC Visa Signature Credit Card

  • Travel-Oriented Benefits:
    • Priority Pass Membership: Complimentary access to 1,200+ lounges worldwide (value: $99/~₹8,000)
    • Lounge Visits: 8 domestic (2/quarter) + 6 international complimentary visits annually
    • Global Entry/TSA PreCheck: Application fee reimbursement every 48 months
    • Low Forex Markup: Only 2.5% on international transactions
    • Travel Insurance: ₹50 lakh air accident cover + ₹3 lakh road/rail coverage
  • Financial Advantages:
    • Interest-Free Period: Up to 50 days grace period for payments
    • Fee Waivers: First-year fee waived on ₹15,000 spend in 90 days; annual fee waived on ₹75,000 yearly spend
    • Fuel Savings: 1% surcharge waiver (₹400-₹5,000 transactions) up to ₹1,000/month
    • Cashback Potential: Up to ₹12,000 annual savings on fuel + ₹8,300 on lounge access
    • Credit Limit: Typically ₹3-10 lakh based on income and credit profile
    • Rewards Program:
    • Earn Rate: 2 RP/₹150 (1.33%) on domestic, 4 RP/₹150 on international spends
    • Welcome Bonus: 500 RP on first international transaction
    • Milestone Benefit: ₹2,000 Yatra voucher on ₹1.5L international spends/year
    • Redemption Options: Flights, hotels, vouchers, products, statement credit
    • Validity: Points expire after 2 years from earning date
    • Lifestyle Perks:
    • Visa Concierge: As a Visa Signature card, it provides access to a 24/7 Visa Concierge, a digital personal assistant for travel planning, restaurant reservations, and event bookings. This service curates exclusive experiences, adding a touch of luxury to your lifestyle.
    • Contactless Payments: Tap-and-pay up to ₹5,000 without PIN
    • Add-On Cards: 3 free cards for family with shared benefits
    • SmartPay: Automate utility bill payments
    • Global Acceptance: At millions of merchants and ATMs worldwide
    • Insurance Coverage:
    • Air Accident: ₹50 lakh (activated by 4 transactions/month)
    • Road/Rail Accident: ₹3 lakh coverage
    • Asset Protection: ₹25,000 for portable items, ₹2 lakh for other assets
    • Zero Liability: In case of card loss or unauthorized transactions, cardholders face zero liability if the issue is reported immediately to HDFC’s 24-hour call center. This feature ensures financial security and minimizes the risk of fraud.
    • Purchase Protection:As a Visa Signature card, it is widely accepted worldwide, ensuring seamless transactions for international travel and online purchases.
    • Security Features:
    • EMV Chip: The card is equipped with EMV chip technology, enhancing security for transactions. Even at merchants without chip terminals, the magnetic strip allows for seamless payments, ensuring versatility.
    • Instant Blocking: Via HDFC's 24/7 call center if lost/stolen.
    • Transaction Alerts: Real-time SMS for all transactions.
    • Secure Online Payments: One-time passwords for e-commerce.
    • 3D Secure: Additional layer for online transactions.

Steps to Apply for HDFC Visa Signature Credit Card

  • 1. Online Application:
    • Step 1: Visit HDFC Bank Website
      Go to www.hdfcbank.com, navigate to "Credit Cards" under "Personal Banking," and select "Visa Signature Credit Card."
    • Step 2: Check Eligibility
      Click "Apply Now" or "Check Eligibility." Enter your name, mobile number, email, PAN, income, employment type, and city.
    • Step 3: Complete Application Form
      Fill out details including date of birth, address, employment details, and income if eligible.
    • Step 4: Upload Documents
      Upload digital copies of ID proof, address proof, income proof, and photograph (PDF/JPEG/PNG under 5MB).
    • Step 5: Verify and Submit
      Review information, provide consent for credit checks, e-sign if prompted, and submit.
    • Step 6: Application Tracking
      Receive Application Reference Number via SMS/email to track status.
    • Step 7: Verification & Delivery
      Bank may conduct Video KYC or call verification. Card delivered within 7-10 working days post-approval.
  • 2. Offline Application:
    • Step 1: Visit Branch
      Use HDFC branch locator to find nearest location and request application form.
    • Step 2: Fill and Submit Form
      Provide personal, address, employment, and income details with attached documents.
    • Step 3: Document Verification
      Representative verifies originals; may include call, visit, or video KYC.
    • Step 4: Track Application
      Use reference number to check status via customer care or bank website.
    • Step 5: Card Delivery
      Delivered to address within 7-10 working days post-approval.
  • 3. Through Customer Care:
    • Call HDFC's toll-free number ( 8885545255) to request application assistance.
    • Representative guides through online/offline process and eligibility checks.
  • 4. Pre-approved Offers:
    • Existing HDFC customers may receive pre-approved offers via email/SMS.
    • Simplified application process with faster approval for eligible customers.
  • 5. Mobile App Application:
    • Download HDFC Bank Mobile App from App Store/Google Play.
    • Log in/register and navigate to credit card section to apply.
    • Track application status and upload documents directly through app.

Eligibility Criteria for HDFC Visa Signature Credit Card

  • General Eligibility:
    The HDFC Visa Signature Credit Card is available to both salaried and self-employed individuals who meet specific demographic and financial requirements.
  • Age Criteria:
    Minimum Age: 21 years
    Maximum Age: 65 years
  • Nationality & Residency:
    Applicants must be Indian citizens.
    Both Residents and Non-Resident Indians (NRIs) are eligible.
  • Employment Status:
    Salaried: Must be employed with a reputed organization and have a stable income.
    Self-Employed: Must show a steady income via business/professional earnings.
  • Income Requirements:
    Salaried: ₹7.5 lakh gross annual income typically required.
    Self-Employed: ₹7.5 lakh annual income supported by financial documents.
  • Credit Score:
    Minimum CIBIL Score: 750 (out of 900)
    Applicants should have a clean repayment history and low credit utilization.
  • Debt Obligations:
    Bank considers debt-to-income ratio to assess repayment capacity.
    Existing loans or credit cards can influence eligibility.
  • Income Documentation:
    Salaried: Last 3 months' payslips, Form 16, or bank statements showing salary credits.
    Self-Employed: Last 2–3 years ITRs, audited financials, or bank statements with business credits.
  • Additional Considerations:
    Pre-approved offers for existing HDFC customers (account holders, loan borrowers).
    Higher income and creditworthiness can result in a higher credit limit.
    Internal bank policies and risk profiling also play a role.
  • Application Methods:
    Online: Apply via HDFC Bank website, submit documents digitally.
    Offline: Visit HDFC Bank branch with required physical documents.
  • Approval & Dispatch:
    Application verification typically takes 10–15 working days.
    Applicants can track status using the 16-digit application number, DOB, and mobile number.
  • Important Notes:
    Eligibility norms may vary or be updated by the bank.
    Card issuance is subject to internal approval policies.
    This card may be discontinued—check for alternate premium cards like Regalia or Infinia.

Documents Required for HDFC Visa Signature Credit Card

  • Identity Proof (Any One):
    Mandatory: PAN Card (required for tax compliance).
    Alternatives: Aadhaar, Passport, Driving License, Voter ID.
    Note: PAN must match income documents; Aadhaar preferred but mask sensitive details.
  • Address Proof (Any One):
    Primary Options: Aadhaar, Passport, Utility Bills (≤3 months).
    Secondary Options: Bank Statement, Rental Agreement, Property Tax Receipt.
    NRIs: Overseas address proof required (utility bill/rental agreement).
  • Income Proof:
    Salaried: Latest 3 months payslips + Form 16 or 6 months salary account statements.
    Self-Employed: Last 2 years ITR with computation + 6 months business account statements.
    Minimum Threshold: ₹7.5 lakh annual income typically required.
  • Employment Proof:
    Salaried: Employment certificate/ID card copy (optional but recommended).
    Self-Employed: Business registration docs (GST, Shop Act License etc.).
  • Photograph:
    One recent passport-sized photo (for offline applications).
    Digital copy may be needed for online/video KYC.
  • NRI Specific:
    Valid Passport and Visa copies.
    Overseas bank statements (last 6 months).
    Employment contract (if employed abroad).
  • Credit Score Proof:
    Latest credit report from CIBIL or any RBI-approved credit bureau (may be fetched automatically by the bank).
    Note: A credit score of 750+ is generally preferred for approval.
  • KYC Compliance:
    Ensure all submitted documents are KYC compliant as per RBI norms.
    Video KYC may be conducted for online applications without branch visit.

Factors for HDFC Visa Signature Credit Card

  • Creditworthiness:
    CIBIL score ≥750 preferred with clean repayment history.
    Credit utilization should be <30% with minimal recent inquiries.
  • Income Stability:
    Minimum ₹7.5L annual income (higher for better limits).
    Consistent income pattern visible in bank statements.
  • Employment Profile:
    Salaried: Minimum 2 years employment history preferred.
    Self-Employed: Established business with 2+ years operations.
  • Documentation Quality:
    Clear, valid documents without discrepancies.
    Income proofs must support claimed earnings.
  • Existing Relationship:
    HDFC account holders often get preferential treatment.
    Pre-approved offers available for select customers.
  • Age and Residency:
    21-60 years for salaried, 21-65 for self-employed.
    NRIs eligible with additional documentation.
  • Credit Limit Determination:
    Based on income, credit score, and existing obligations.
    Typically ₹3-10 lakh for qualified applicants.
  • Application Channel:
    Online applications often processed faster.
    Branch applications allow personal assistance.
  • Card Suitability:
    Best for frequent travelers and high spenders.
    Annual fee waiver on ₹75K spend makes it cost-effective.
  • Rejection Risks:
    Low credit score (<700) or high existing debt.
    Income below threshold or unstable employment.
    Document discrepancies or incomplete applications.

Frequently Asked Questions

1. What is the HDFC Visa Signature Credit Card?
It is a premium credit card by HDFC Bank that offers exclusive lifestyle, travel, and reward benefits.
2. Who is eligible to apply for the HDFC Visa Signature Credit Card?
Salaried and self-employed individuals with a good credit score and a stable income, typically aged 21-60, are eligible.
3. What are the annual and renewal fees for the HDFC Visa Signature Credit Card?
The fees may vary depending on your relationship with HDFC Bank, but often include a joining fee and an annual renewal fee (typically waived on reaching a spend threshold).
4. What are the main benefits of this card?
Key benefits include complimentary airport lounge access, reward points on purchases, concierge services, and insurance coverage.
5. How do I earn reward points with the card?
You earn reward points on every eligible retail transaction. Bonus points may apply for specific categories like dining or travel.
6. How can I redeem the reward points?
Points can be redeemed via HDFC Bank’s SmartBuy portal for flight/hotel bookings, products, gift vouchers, and more.
7. Does the card offer airport lounge access?
Yes, the HDFC Visa Signature Credit Card typically offers complimentary access to domestic and sometimes international airport lounges.
8. Is there a fuel surcharge waiver?
Yes, the card usually offers a fuel surcharge waiver on transactions at select fuel stations, subject to terms and monthly caps.
9. Are there any foreign transaction charges?
Yes, a foreign currency markup fee (generally around 3.5%) is applied on international transactions.
10. What type of insurance cover is included?
The card may offer travel insurance, air accident cover, and emergency overseas hospitalization coverage.
11. How do I apply for the HDFC Visa Signature Credit Card?
You can apply online via the HDFC Bank website or by visiting the nearest HDFC branch with the necessary documents.
12. How can I track my credit card application status?
Application status can be tracked online using the reference number and mobile number provided during application.
13. How do I contact customer support for issues related to the card?
You can reach out via HDFC Bank’s 24/7 customer care, through net banking, or by visiting a branch.

List of HDFC Branches in Tamil Nadu

  • Sathyamangalam
  • Sivaganga
  • Sivakasi
  • Sriperumbudur
  • Tenkasi
  • Thanjavur
  • Theni
  • Thiruvallur
  • Thiruvarur
  • Tiruchengode
  • Tiruchirappalli (Trichy)
  • Tirunelveli
  • Tirupathur
  • Tiruppur
  • Tiruvannamalai
  • Tuticorin (Thoothukudi)
  • Udumalpet
  • Usilampatti
  • Vellore
  • Villupuram