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HDFC Bank Credit Cards

HDFC Credit Cards are the most popular cards among each segment of users. You can enhance your lifestyle, splurge on a luxurious indulgence, make your purchases rewarding, get fuel benefits, fly to global destinations with these cards.

HDFC Bank Credit Card Benefits

  • Instant approval on applying for HDFC credit card online.
  • It can be automatically set to pay recurring bills like phone, electricity, and water bills.
  • You will earn reward points for every purchase with the card which can be redeemed for exciting gifts and vouchers.
  • The Applicant can easily apply for HDFC Jumbo Instant Loan.
  • With selected offline and online merchants, HDFC offers a host of cash back and discounts.
  • The Credit Card statement gives an item wise list of expenditures made on the Credit Card, which helps you keep track of your expenses.
  • Annual fees and renewal fees will vary for each cardholder depending on the card held and will be informed at the time of applying for the card.
  • Cash withdrawal charges at 2.5% of the amount withdrawn with a minimum of Rs. 500 will be collected.
  • If the card is used beyond the limit, 2.5% of the over limit will be charged for all cards except Infinia.
  • A late fee ranging from Rs. 100 to Rs. 750 is applied per statement cycle for the card dues not paid in accordance to the due date.
  • The applicant can either be salaried or self-employed.
  • Applicant should be in the age group between 21 years to 60 years if salaried or between 21 years to 65 years if self-employed.
  • Should have a stable income.
  • Applicant should submit income proof, address proof, business proof, and Photo ID.
  • Credit score should be above 750.

HDFC Bank Credit Card Options

You can select a wide range of credit card options available with HDFC Bank. 

HDFC Freedom Credit Card

Get unlimited reward points with HDFC Freedom Credit Card. The card offers attractive cashback, rewards, welcome benefits, and fuel convenience fee waiver. On spending Rs. 50,000 or more in a year, you can get the next year’s annual membership waived off.

Following are some of the major HDFC Freedom Credit Card benefits:

    • Get up to 3 add-on credit cards for free.
    • 1% fuel convenience fee waiver.
    • This card is chip-enabled ensuring safe & secure transactions.
    • Zero liability on lost credit card if reported immediately
    • This is a contactless credit card, facilitating fast, convenient & secure payments at retail outlets.
    • Get the next year’s annual membership waived off on spending Rs. 50,000 or more in a year.
  • Get a welcome as well as renewal benefits of 500 reward points on fee payment.
  • Get a gift voucher worth Rs. 1,000 on annual spends of Rs. 90,000 or more.
  • Earn 1 reward point on spending every Rs. 150 (Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases)
  • Get 1% waiver of convenience fee on fuel.
  • Maximum benefit is capped at Rs.250 per statement cycle.
  • Offer is applicable on minimum transaction of Rs. 400 and maximum Rs. 5,000.
 

Eligibility for Salaried:

  • The applicant should be an Indian citizen.
  • The minimum age of the applicant should be 21 years and maximum up to 60 years.
  • Net monthly income of the applicant should be at least Rs. 12,000.

Eligibility for Self-employed:

  • The applicant should be an Indian citizen.
  • The minimum age of the applicant should be 21 years and maximum up to 65 years.
  • Annual income of the applicant should be at least Rs. 6 Lakhs per annum.
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IndianOil HDFC Bank Credit Card

It is a highly beneficial credit card offered by HDFC Bank for those who travel frequently by their own vehicle. This card provides you up to 50 litres of free fuel annually on your everyday spends. With the HDFC IndianOil credit card, get attractive fuel benefits.

This Fuel Credit Card has many benefits you can enjoy:

  • Get reward points on every transaction and convert them as fuel points.
  • Complimentary membership of IndianOil XTRAREWARDSTM Program (IXRP).
  • Get up to 50 days of interest free period on your HDFC Bank IndianOil credit card from the date of purchase.
  • Annual fee waiver on spending minimum Rs. 50,000 in the first year.
  • Enjoy revolving credit on your HDFC IOCL credit card at nominal rate of interest.
  • Earn up to 50 litres of fuel for free annually as IOCL HDFC credit card benefits.
  • Earn 5% accelerated Fuel Points on spending at IndianOil outlets (maximum 250 Fuel Points per month in the first 6 months and 150 Fuel Points after 6 months of card issuance).
  • Earn 1 Fuel Point on spending every Rs. 150 on all other categories
  • Accelerated 5% Fuel Points will be given only for fuel transactions done at IndianOil Retail Outlets.
  • Fuel transactions at all other fuel outlets will earn you 1 Fuel Point for spending every Rs. 150.
  • For IndianOil HDFC credit card reward points redemption, 1 Fuel Point or FP = 96 Paise.

The applicant should be an Indian national.

  • The minimum age of the applicant should be 21 years
  • The maximum age of the applicant should not be above 60 years.
  • Net monthly income of the applicant should be at least Rs. 10,000.

Eligibility for Self-employed:

  • The applicant should be an Indian national.
  • The minimum age of the applicant should be 21 years
  • Annual income of the applicant should be at least Rs. 6 Lakhs per annum.The maximum age of the applicant should not be above 65 years.
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HDFC MoneyBack Credit Card

It is a super-saver card which gives you instant cashbacks on every single spend. With the MoneyBack credit card, earn attractive rewards on each transaction, fuel surcharge waiver, welcome benefit of 500 cash points, Rs. 500 worth gift voucher on spending Rs. 50,000 or above every year, and much more.

  • HDFC MoneyBack Platinum credit card comes with Zero lost card liability on reporting card loss immediately to HDFC’s 24-hour call centre.
  • HDFC MoneyBack credit card offers an interest free credit period of up to 50 days from the date of purchase.
  • You can also apply for the HDFC Bank Business MoneyBack credit card variant.
  • Revolving credit at nominal interest rate.
  • With the Smart EMI option offered with HDFC Money Back credit card, convert your big spends into EMI after purchase.
  • Under HDFC MoneyBack Platinum credit card benefits, get 500 cash points on payment of membership fee.
  • Get Rs. 500 worth gift vouchers on spending Rs. 50,000 and above in each calendar quarter.
  • Get renewal membership fee waived off on spending Rs. 50,000 and above in the first year.
  • Earn 2 reward points on spending every Rs. 150
  • Accumulated reward points on HDFC money back card can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
  • Reward Points earned on your MoneyBack credit card HDFC are valid for 2 years from the date of accumulation.

The applicant must be an Indian citizen.

  • The age of the applicant should be at least 21 years and maximum up to 60 years.
  • Gross monthly income of the applicant should be above Rs. 25,000.
  • The applicant must be an Indian citizen.

Eligibility for Self-employed:

  • The age of the applicant should be at least 21 years and maximum up to 65 years.
  • Annual income of the applicant as per the latest ITR should be above Rs. 6 Lakhs.
  • Annual income of the applicant should be at least Rs. 6 Lakhs per annum.The maximum age of the applicant should not be above 65 years.
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HDFC Infinia Credit Card

Numerous benefits like unlimited airport lounge access for primary as well as add-on cardholders, welcome and renewal benefits of 12500 reward points each, Club Mariot membership for 1 year, attractive reward points, fuel surcharge waiver, and so on. HDFC Infinia card is truly a gateway to premium lifestyle that is enriched with exclusive benefits.

  • It is a contactless Metallic Card.
  • Get complimentary nights and weekend buffet at participating ITC hotels.
  • Get complimentary Club Marriott membership for the first year.
  • Revolving credit at nominal interest rate.Get unlimited airport lounge access globally for Primary as well as Add-on card member.
  • 24 X 7 global personal concierge.
  • HDFC Infinia Card benefits include welcome benefit of 12500 reward points on fee realisation and card activation
  • Complimentary Club Marriott membership for a year offering up to 20% discounts for Dining and Stay across Asia Pacific region.
  • Renewal benefit of 12500 Reward Points on fee realisation and card activation.
  • Unlimited complimentary lounge access at 1,000+ airport lounges in and outside India using Priority Pass.
  • Earn 5 reward points on spending every Rs. 150 on retail including insurance, utilities, education, and rent payment.
  • Get complimentary Club Marriott membership for the first year on your Infinia card.

HDFC Bank Infinia Credit Card membership is By Invite Only.

  • The primary cardholder can either be a resident or a non-resident Indian.
  • The applicant should be aged between 18 and 70 years.
  • Duly filled and signed application form.

A copy of PAN Card or Form 60.

  • Identity proof like Aadhaar Card, Passport or Driving License.
  • Address proof like Aadhaar Card, Passport, etc.
  • Annual income of the applicant should be at least Rs. 6 Lakhs per annum.The maximum age of the applicant should not be above 65 years.
Apply Credit Card

HDFC Bank Diners Club Black Credit Card

Specially designed for foodies who cherish the unexplored, savor the exotic. The card offers amazing benefits including attractive reward points, welcome and annual benefits, travel benefits, complimentary gift vouchers, wellness benefits, fuel surcharge waiver, 6 complimentary golf games per quarter, insurance cover, and so on.

  • Unlimited Airport lounge access for primary and add-on credit card members to 1000+ lounges in India and worldwide.
  • With SmartEMI, convert your credit card purchase/outstanding balance to EMIs and choose from a flexible tenure ranging from 6 to 24 months.
  • Revolving credit available at a nominal interest rate.
  • The HDFC Bank Diners Club Black Credit Card is enabled for contactless payments
  • Revolving credit available at a nominal interest rate.
  • Complimentary annual memberships of Club Marriott, Amazon Prime, Forbes, Zomato Pro, MMT BLACK and Times Prime by spending Rs. 1.5 Lakhs within the first 90 days of card issuance or on first year fee realization on your card.
  • Complimentary vouchers of Ola cabs, cult.fit Live, BookMyShow, and TataCliQ on spending over Rs. 80,000 every month.
  • Earn 5 reward points on spending every retail spend of Rs. 150.

 

  • Get up to 10X reward points through SmartBuy.
  • Get 2X reward points on weekend dining.
  • Get 15% off on Anytime Fitness gym membership

The applicant should be an Indian citizen to be eligible for HDFC Diners card.

  • The applicant should be aged at least 21 years old and maximum up to 60 years.
  • The net monthly income of the applicant should be more than Rs. 1.75 Lakhs.
  • Duly filled and signed application form.

Eligibility for Self-employed:

  • The applicant should be aged at least 21 years old and maximum up to 65 years.
  • Address proof like Aadhaar Card, Passport, etc.
  • The annual income of the applicant as ITR should be above Rs. 21 Lakhs to be eligible for Diners Black HDFC card.
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Swiggy HDFC Bank Credit Cards

Best suited for foodaholics who love ordering in or dining out frequently. The card offers 10% on cashback Swiggy app, 5% on online spending across online MCCs, and 1% on all other categories. You also get the complimentary Swiggy One membership for 3 months on card activation.

  • Cashback on all spends, complimentary Swiggy one membership, spend-based renewal fee waiver, etc.
  • 10% on the Swiggy app, 5% on online spending across online MCCs & 1% on other categories
  • Complimentary Swiggy one membership for 3 months on card activation.
  • Complimentary Swiggy One Membership for 3 months.
  • This benefit can be availed of only on credit card activation as per the latest RBI guidelines.
  • You can activate the card by making a transaction using the card.
  • 10% cashback on Swiggy application food ordering, Instamart, Dineout & Genie.
  • 5% cashback on online spending across online MCCs.
  • Gift cards and groceries purchased on the 5% eligible merchants & MCCs won’t earn any cashback.

Age: Minimum 21 years and maximum 60 years.

  • Net Monthly Income: More than Rs. 25,000.
  • Age: Minimum 21 years and maximum 65 years.
  • Duly filled and signed application form.

Eligibility for Self-employed:

  • Income: Income Tax Returns (ITR) of more than Rs. 6 Lakhs per annum.
  • Address proof like Aadhaar Card, Passport, etc.
  • The annual income of the applicant as ITR should be above Rs. 21 Lakhs to be eligible for Swiggy HDFC card.
Apply Credit Card

HDFC Bank Regalia Credit Cards

Get bonus reward points, complimentary domestic & international airport lounge access on Credit Card, 1% fuel surcharge waiver, 20% savings on restaurant bill payments via Swiggy Dineout, and much more with HDFC Regalia Credit Card. The renewal fee can be waived on spending more than Rs. 3 Lakhs in the previous year​​​​​​​.

  • Joining Fee Rs. 2,500 + applicable taxes
  • Annual Fee Rs. 2,500 + applicable taxes (waived off on spending Rs. 3 lakh in a year)
  • Complimentary airport lounge access, reward points, zero lost card liability, 1% fuel surcharge waiver, etc.
  • 4 reward points on every Rs. 150 retail spend
  • 2% on all foreign currency spend
  • 2500 reward points on joining and renewal.
  • Offer applicable only after the membership fee is realized.
  • The offer is not applicable when the membership fee is waived.
  • 6 complimentary access to airport lounges outside India.
  • Just swipe your Regalia credit card at the lounges to avail this benefit.
  • Visits exceeding the complimentary quota will be permitted at the discretion of lounges at applicable charges.

Criteria for Salaried Indian Nationals

  • Age: Minimum 21 years and maximum 60 years.
  • Income: Net monthly income of more than Rs. 1 Lakh.
  • Duly filled and signed application form.

Criteria for Self-employed Indian Nationals

  • Age: Minimum 21 years and maximum 65 years.
  • Income: Income Tax Return (ITR) above Rs. 12 Lakhs per annum.
  • The annual income of the applicant as ITR should be above Rs. 21 Lakhs to be eligible for Swiggy HDFC card.
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