HDFC Credit Card – Features, Eligibility & Apply Online
HDFC Bank Credit Cards offer a wide array of benefits, including rewards, discounts, cashback, and complimentary services. Designed to meet diverse customer needs, these cards provide value across various spending categories such as travel, shopping, dining, fuel, and more. Based on your preferences, you can enjoy enhanced benefits with select brands like Swiggy, IndianOil, Tata Neu, IndiGo, Marriott Bonvoy, and others through co-branded cards. Below is a list of the top HDFC Bank Credit Cards for 2024. Compare and apply online via Paisabazaar to find the card that best suits your requirements.
Top 10 HDFC Bank Credit Cards for November 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 and apply for the best HDFC credit card as per your needs and preferences.
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* |
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
- Redemption of reward points against Tanishq through the SmartBuy portal will be capped at 50,000 reward points per quarter
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 |
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.
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 |
Click here to view other associated fees and charges related to HDFC Bank credit cards.
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 |
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.
- How to generate a new PIN for HSBC Credit Card?
In order to generate a new credit card PIN for your HSBC Credit card, you can use Internet Banking or can visit the nearest Bank Branch. Additionally, you can also contact the bank at their phone banking numbers 1800 267 3456 /1800 121 2208. The new ATM PIN is dispatched to your mailing address within 7 working days from the date of generation. - How to pay HSBC credit card bill?
There are multiple ways to pay your HSBC credit card bill. You can use HSBC netbanking, mobile banking, NEFT/RTGS, BillDesk, by mailing your cheque or draft to the nearest HSBC branch, via standing instructions linked with your HSBC savings or current account, by depositing cash or cheque at the HSBC ATM in India or via over the counter facility by paying via cash or cheque at any HSBC branch in India. Note that over the counter credit card bill payment involves a cash payment charge of Rs. 100. Click here to read all about HSBC Credit Card Bill Payment. - Which is the best HSBC credit card?
Choosing the best credit card is subjective based on your needs and spending habits. For instance, HSBC Visa Platinum is a good choice if you are looking for a rewards credit card along with benefits on shopping and entertainment. Similarly, HSBC Cashback Credit Card is a good choice if you use your credit card frequently, since the card offers unlimited cashback on all your transactions at zero annual fee. - Can I use HSBC Credit Cards to make international payments?
Yes, all HSBC Credit Cards are internationally accepted. However, note that there may be certain associated fees and charges for all transactions done abroad. Currently the bank charges 3.5% as foreign currency mark up fee (except for HSBC Premier Credit Card that charge 0.99%) and Rs. 100 as cash withdrawal fee against bank accounts at overseas ATMs. - Can I avail exclusive discounts with HSBC Credit Cards?
Yes, HSBC Cashback Credit Card offers exclusive deals and discounts every month for its cardholders. You can avail discounts on top brands like Amazon, Amazon Pay, PharmEasy, EazyDiner, Blinkit and more. However, the bank keeps changing these brands every month. Therefore, you have to keep a check on the bank’s website to avail such benefits. - In how many days do I receive my HSBC Credit Card?
On receiving the application form with all required documents, the credit card request is processed within two weeks. Once this application is approved, you are most likely to receive your credit card in 7 working days. You will receive alerts for your application status on the active mobile number you mentioned on the application form via SMS. - How do I receive my HSBC credit card statement?
Your HSBC credit card statement is delivered to your mailing address (as per bank’s record). For tracking, you receive the Airway Bill number/courier reference number via SMS on your active mobile number. In addition to that, you also receive your statements via e-mail on your personal email id. In case you have self-registered for Internet Banking services, you can view and download your statement hassle-free, by visiting the ‘Ways to Bank’ section on the HSBC Bank website. - How do I activate my HSBC Bank Credit Card?
On receiving your card, you need to first activate your credit card before using it. For this, (i) you can use your ATM PIN to activate the card on an HSBC ATM (ii) perform a PIN based transaction or (iii) Call HSBC India Phone Banking. - Can I upgrade my HSBC credit card?
Yes, card upgrade facility is offered by HSBC on its credit cards. However, your eligibility for the same will be decided by the issuer. If you wish to upgrade to a better credit card, you can send a request. - Why is my HSBC credit card declined at a store?
The card can be declined because of various reasons, the most common being an insufficient credit limit. So, if you think you have sufficient limits and still your card is declined, you must call the issuer to find out the issue. - How can I check my application status for HSBC Credit Cards?
You can apply for a credit card with HSBC Bank hassle free. However, it takes around 7 working days to get the application processed. During this time you can check the application status by contacting the HSBC Bank customer care at 1800 267 3456 or 1800 121 2208. - Should I opt for HSBC Cashback Credit Card or Visa Platinum Credit Card?
Both of these credit cards have different benefits, and choosing the best amongst these two should be a subjective choice. However, note that HSBC Cashback credit card is a good option for you if you are looking for cashback across all spends, as you get 1.5% cashback on every transaction done online and 1% on every transaction done offline. HSBC Visa Platinum Credit Card on the other hand is a good option, if you are looking for rewards credit card at zero joining and annual fee. The card offers 2 reward points for every Rs. 150 spent. You can redeem these points for airmiles conversion on InterMiles, British Airways and Singapore Airlines.