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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.

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- 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.
- Financial Flexibility:

- 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.
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