HDFC Credit Cards: Apply, Login, Make Payment
HDFC Card Types, Credit Card Payment, Waive HDFC annual maintenance charges, Redeem Reward Points.
HDFC Credit Card: In the competitive credit card industry, banks are coming up with new credit card schemes to attract more and more customers. Credit cards are one of the main products of banks and financial companies. One such bank and India’s largest private bank HDFC bank has launched various credit cards. HDFC Bank Card has got a huge response from HDFC customers due to credit card features. In this article we will discuss HDFC Credit Card types and HDFC credit card features.
Read about What is a credit card? Credit Card advantages and cons
Table of Content
- How to apply Credit Card
- HDFC Credit Card Eligibility
- Required documents for to get a Credit Card
- How many HDFC Credit cards limitation
- Ways to manage HDFC credit cards‘ spending, Download Credit Card Statement
- HDFC Card Charges
- HDFC Reward points
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Let’s first see,
How an HDFC Bank customer or non customer can get HDFC Credit Cards.
According to HDFC Bank official website you can visit HDFC Bank Website and follow below mentioned steps to apply HDFC Credit Card
- Open the HDFC website, visit the Credit Card page
- Check and Verify your eligibility
- Verify your address and employment details
- Authorize the details via HDFC Net Banking
Alternatively, You can visit the nearest HDFC Bank branch to apply for a HDFC credit card. Click here to Find nearest HDFC Branch.
Check HDFC Credit Card eligibility?
To check HDFC Credit Card eligibility you can visit HDFC Bank website and go to apply HDFC credit card option. Once you enter your details as required on page, HDFC card eligibility will be informed to you by HDFC Bank. Also, you can contact HDFC Customer care
HDFC Credit Card documents requirement
This we can see in in two ways one is Existing HDFC Customers and another is Non HDFC bank customers
1. Documents required for existing HDFC Bank customers to apply a credit card:
- Latest mailing address proof or you can update address in HDFC Bank account by submitting any of the acceptable documents to update address in HDFC account such as an Aadhar card, Indian passport, voter ID (issued in India), and driving license (issued in India).
- Income documents such as salary slip or income tax return for the last 3 years.
2. Documents required to apply HDFC credit card for new customers:
Non HDFC Customers can submit documents such as address proof, income proof, and identity proof either on HDFC online banking service or visit nearest HDFC Bank branch.
Read about Credit card Charges
How many HDFC Credit Cards can you apply for?
If you already own a HDFC Credit card you can not apply for another HDFC Bank Credit Card. But, if you have another bank credit card, you can apply for an HDFC card. To apply HDFC Card you should have a good credit score.
Read about Credit Score, How to improve CIBIL Score? What does -1 CIBIL Score mean?
Manage your HDFC Card, download Credit card statement
To manage credit cards, HDFC Bank has enabled a feature called HDFC Bank MyCards. You can see all Credit Card details on HDFC Bank My Card option. A Credit Card Holder can pay credit card bill, see Card statement, Control credit card spending etc. through HDFC Credit Card Login.
HDFC Credit Card Charges
There are various type of charges, which are applicable on your credit card. One such credit card charge is annual maintenance. You need to pay credit card annual maintenance charges even if you do not use the card throughout a year. However, the HDFC annual maintenance charges can be waived if you meet terms and conditions.
See all HDFC Card annual maintenance Charges and How to waive card annual maintenance charges below –
| Card Type | Annual Maintenance charges(Ex GST) | Condition to waive renewal fee / charges |
| CSC Small Business Moneyback | Rs. 250 | Spend Rs. 25,000 |
| Indian Oil Freedom Card | Rs. 500 | Spend Rs. 50,000 |
| Indian Oil MoneyBack+ Card | Rs. 500 | Spend Rs. 50,000 |
| Indian Oil Business MoneyBack | Rs. 500 | Spend Rs. 50,000 |
| IndiGo-6E Rewards Card | Rs. 700 | Not Applicable |
| HDFC Card Millennia | Rs. 1000 | Spend Rs. 100,000 |
| Diners Privilege | Rs. 2500 | Spend Rs. 3,00,000 |
| Regalia | Rs. 2500 | Spend Rs. 3,00,000 |
| Business Regalia | Rs. 2500 | Spend Rs. 3,00,000 |
| IndiGo-6E Rewards XL | Rs. 2500 | Not Applicable |
| HDFC Bank Times Credit Card | Rs. 500 | Spend Rs. 1,50,000 |
| HDFC Bank Times Card Credit Platinum | Rs. 1,000 | Spend Rs. 2,50,000 |
| Shoppers Stop HDFC Credit Card | 0 | – |
| Shoppers Stop Black HDFC Bank Credit Card | Rs. 4500 | Not Applicable |
| Diners Black | Rs. 10,000 | Spend Rs. 5,00,000 |
| Infinia (Metal Edition) | Rs. 12,500 | Spend Rs. 10,00,000 |
| TATA Neu Plus HDFC Credit Card | Rs. 499 | Spend Rs. 1,00,000 |
| Tata Neu Infinity HDFC Bank Credit Card | Rs. 1499 | Spend Rs. 3,00,000 |
Apart from credit card annual charges, you need to pay late payment charges If you do not pay the minimum amount due on your Credit Card by the payment due date and some other charges.
Read more about impact of minimum amount due payment on your CIBIL
Redeem HDFC Credit Card Reward Points
When you spend through HDFC Cards, the bank offers reward points to its customers. You can redeem HDFC reward points for the rewards catalogue, gift vouchers, flight tickets, hotel bookings etc., by using HDFC Netbanking.
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