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Best HDFC Credit Cards in India 2025
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Top 5 Reasons to Get A HDFC Bank Credit Card Today!
1. Access Funds Conveniently: HDFC Bank credit cards come with many features that lets you access credit easily. Their cashback and reward programs, brand partnerships, merchant discounts and other benefits make HDFC credit cards a useful financial tool to manage your expenses.
2. Easy EMI Conversion: Features like SmartEMI & EasyEMI allow you to convert large transactions into easy EMIs so that you don’t break your bank account.
3. Exclusive Rewards on Online Shopping & Transactions: Get bonus rewards every time you shop online or use the HDFC Bank mobile app, Payzapp.
4. Customizable Credit Cards: HDFC Bank credit cards can be easily customized with the features you need for your lifestyle and spending pattern. You can set the credit limit, spending limit and control your expenditure for a better financial health.
5. Enjoy Contactless Card Transactions: No Swipe, No PIN, No Sign! You no longer have to swipe or enter the PIN to complete a transaction. HDFC Bank contactless credit cards allow you to pay at POS with a single tap. Speed & Convenience in your credit cards.
Apart from these benefits, HDFC Bank credit cards offer various other benefits like fuel surcharge waiver, complimentary airport lounge access, credit line on your credit limit, credit card balance transfer, and more.
Check your Credit Score NOW, and apply for the Best Credit Cards today!
HDFC Bank Credit Card Types – Top Credit Cards from Different Categories
HDFC Bank offers more than 40 different credit card variants. These are categorized into -
| Pixel Credit Cards | Credit Cards for Essentials | Luxury Credit Cards | Co-Branded Credit Cards |
|---|---|---|---|
Lifestyle Credit Cards | Travel Credit Cards | Shopping Credit Cards | Fuel Credit Cards |
EMI Credit Cards | Other Credit Cards | Rupay Credit Cards | Life-Time Free Credit Cards |
Top HDFC Bank PIXEL Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Pixel Go Credit Card | ₹250 + GST |
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Pixel Play Credit Card | ₹500 + GST |
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Top HDFC Bank Credit Cards for Essentials
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
MoneyBack+ Credit Card | ₹500 + GST |
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Millennia Credit Card | ₹1000 + GST |
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Freedom Credit Card | ₹500 + GST |
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IndianOil HDFC Bank Credit Card | ₹500 + GST |
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Top HDFC Bank Luxury Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Diners Club Black Metal Edition Credit Card | ₹10,000 + GST |
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INFINIA Metal Edition | ₹12,500 + GST |
|
Top HDFC Bank Co-Branded Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Marriott Bonvoy HDFC Bank Credit Card | Rs.3000 + GST |
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Swiggy HDFC Bank Credit Card | Rs.500 + GST |
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Tata Neu Plus HDFC Bank Credit Card | Rs.499 + GST |
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Shoppers Stop HDFC Bank Credit Card | Rs.299 + GST |
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Paytm HDFC Bank Select Credit Card | Rs.1000 + GST |
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6E Rewards XL- IndiGo HDFC Bank Credit Card | Rs.1500 + GST |
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HDFC Bank H.O.G Diners Club Credit Card | Rs.10,000 + GST |
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HDFC Bank Harley-Davidson Diners Club Credit Card | Rs.2500 + GST |
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Top HDFC Bank Lifestyle Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Regalia Gold Credit Card | Rs.2500 + GST |
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Diners Club Privilege Credit Card | Rs.2500 + GST |
|
Top HDFC Bank Travel Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Regalia Gold Credit Card | Rs.2500 + GST |
|
IRCTC HDFC Bank Credit Card | Rs.500 + GST |
|
Top HDFC Bank Shopping Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Tata Neu Infinity HDFC Bank Credit Card | Rs.1499 + GST |
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Top HDFC Bank Fuel Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
IndianOil HDFC Bank Credit Card | ₹500 + GST |
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Top HDFC Bank EMI Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
Easy EMI Card | ₹500 + GST |
|
Top HDFC Bank Credit Cards – Other Categories
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
HDFC Bank Times Card Credit Platinum | Rs.1000 + GST |
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All Miles Credit Card | Free membership when you spend Rs.15,000 within 90 days of card activation. |
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Diners Club Premium Credit Card | Rs.2500 + GST |
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Doctor's Regalia Credit Card | Rs.2500 + GST |
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Top HDFC Bank RuPay Credit Cards
Card Name | Joining/Annual Membership Fee | Key Features |
|---|---|---|
HDFC Bank UPI RuPay Credit Card | Rs.99 + GST |
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HDFC Bank Freedom RuPay Credit Card |
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Which are the lifetime-free credit cards from HDFC Bank?
HDFC Bank offers many credit cards that are lifetime free –
- Freedom Credit Card
- Biz First Credit Card
- Swiggy HDFC Bank Credit Card
- Tata Neu Infinity HDFC Bank Credit Card
- Tata Neu Plus HDFC Bank Credit Card
Which are the most popular Credit Cards from HDFC Bank?
- Freedom Credit Card
- Pixel Play Credit Card
- Millennia Credit Card
- IndianOil HDFC Bank Credit Card
- Swiggy HDFC Bank Credit Card
These are some of the credit cards from HDFC Bank that are most popular among customers.
HDFC Bank Credit Card Eligibility Criteria
HDFC Bank credit cards are available in more than 40 variants, catering to a diverse customer segment. Here are the basic eligibility criteria to get an HDFC Bank credit card –
- Should be an Indian citizen
- Should either be salaried or self-employed, with a regular source of income
- Age limit – between 21 – 60 yrs – for salaried individuals
- Age limit – between 21 – 65 yrs – for self-employed individuals
- Income limit – Minimum monthly salary of Rs.8000 – for salaried individuals
- Income limit – Minimum annual ITR – above Rs.6 lakhs – for self-employed individuals
HDFC Bank Credit Card – Apply Online
HDFC Bank offers a convenient, online application process for their credit cards.
1.Go to the HDFC Bank credit cards page.
2.View the features, compare different cards, and choose the one that best suits your needs.
3.Click on the ‘Apply Online’ button to initiate the card application process.
4.Enter your personal details, KYC details and other details.
5.The bank representative will contact you for verification purposes.
6.Upon successful verification of your application, the card is approved.
7.You will receive the physical card within a week’s time.
8.The welcome kit will have your approved credit limit, cash advance limit and interest rates.
You can also apply for HDFC Bank credit cards through the CreditMantri website.
1.Choose the card you want to apply for.
2.Click on ‘Check Eligibility’.
3.Enter your basic details and submit the application.
4.After OTP verification, eligible HDFC credit cards will be displayed and you can continue with the application process.
HDFC Bank Credit Cards – Fees & Charges
The credit card fees and charges may vary according to the card. The list shown below consists of the general fees and charges
Finance Charges on Revolving Credit & Cash Advances | Starts at 1.99% - 3.75% per month Maximum at 45% p.a. |
Transaction Fees on Cash Advances | 2.5% or Rs.500, whichever is higher |
Railway Ticket Purchase Fee | 1% of transaction amount + GST |
EMI conversion charges | Rs.99 + GST |
Payment return charges | 2%, maximum of Rs.450 |
Late Fees | Rs.500 + GST |
Rewards Redemption fees | Rs.99 + GST |
Reissue of lost, stolen or damaged card | Rs.100 |
Add-on card | Lifetime Free |
Disclaimer: The above-mentioned card features, charges & fees, process to apply, and all other information are as of when this page was written and are subject to change. For latest and accurate information, contact the bank or refer to the official website.
HDFC Bank Credit Card Customer Care
For any queries regarding your credit card, you can contact HDFC bank customer care to get them resolved at the earliest. They are available 24x7, even on weekends and holidays. You can contact HDFC Bank customer care in the following ways:
- Domestic Toll-free numbers: 1800-202-6161 or 1860-267-6161
- For customers calling from abroad: +91 22 61606160
- Special line for Diners Black Credit Card and Infinia Credit Card holders - +91 22 61717606
- Email id: customerservices.cards@hdfcbank.com
- Mailing Address:
- Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Address to send Courier:
- Manager,HDFC Bank Cards Division, # 8, Lattice Bridge Road, Thiruvanmiyur Chennai - 600 041
HDFC Bank Credit Card – Apply Online - Documents Required
- Identity Proof: PAN card, passport, driving license, Aadhaar card, voter’s ID, overseas citizen of India card, person of Indian origin card, job card issued by NREGA, letters issued by the UIDAI or some other government-approved photo ID proof
- Address Proof: Aadhaar card, driver’s license, passport, utility bill not more than 3 months’ old, ration card, property registration document, person of Indian origin card, job card issued by NREGA, bank account statement or some other government approved address proof
- Income Proof: Latest one or two salary slips (not more than 3 months old), latest Form 16, bank statement of last 3 months
The list is indicative and the documents will vary on a case-to-case basis.
HDFC Credit Card Bill Payment
HDFC Bank provides a host of payment methods to help its customers get a convenient and hassle-free payment experience. Customers can pay their credit card bills on time in a hassle-free manner because of this flexibility. The various payment methods are:
- Internet banking
- Mobile banking
- ATM funds transfer
- Autopay
- NEFT
- RTGS
HDFC Credit Balance Check
HDFC Bank provides many ways for customers to check their HDFC Bank credit card balance and status of the HDFC Bank credit card. You can check the outstanding balance through methods like netbanking, SMS alerts, customer service, mobile app, monthly statements, and more.
HDFC Credit Cards Netbanking
You can bank from the comfort of your home or from anywhere using the HDFC bank net banking services. You can transfer money, pay your bills, view account balance, create a deposit, and more just by logging into net banking.
HDFC Credit Card Balance Transfer
HDFC Bank allows its customers to transfer the balance from another bank’s credit card to an HDFC Bank credit card. Customers who have had a good track record with HDFC Bank with regard to their credit card spends, transaction pattern, and payment history become eligible for a balance transfer on credit card occasionally, depending on the internal policies of the bank.
HDFC Bank Credit Card FAQ
1. What are the eligibility criteria for getting a HDFC Bank Credit Card?
You need to be above 21 years old and below 65 years old with a steady income of at least Rs. Rs.8000 – for salaried individuals, a minimum annual ITR – above Rs.6 lakhs – for self-employed applicants.
2. How to make HDFC Bank credit card bill payment?
You can pay the bill on the HDFC bank website by logging into their internet banking portal or you can download their mobile app which also has the option of credit card bill payment. The offline method is where you can pay your bill at any HDFC Bank branch.
3. Why was my HDFC Bank credit card application rejected?
It could be any number of reasons from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries, you can contact HDFC Bank credit card customer care for further information.
4. Where can I check my HDFC Bank credit card usage?
You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.
5. Can I get an HDFC bank credit card without income proof?
You should have a regular income to get an HDFC bank credit card and also provide proof for the same. The income requirement differs with the credit card that you have applied for. You can either be a salaried or self-employed person managing your own business.
6. What is HDFC bank credit card rate of interest?
The rate of interest on HDFC Bank credit cards ranges between 1.99% - 3.75% per month. The annual interest rate averages at 45% p.a. But the interest rate may be adjusted based on your relationship with the bank and the card’s utility. If you have made large purchases and will not be able to settle your outstanding in full by the due date, you can opt for Smart EMIs on your credit card.
7. Are there any charges for add-on cards an my HDFC credit card?
You can get up to 4 add-on cards for your family members. There are no charges for add-on cards.
Disclaimer:This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.
Latest & Update Hdfc Bank Credit Card News
HDFC Bank Collaborates With Marriott Bonvoy to launch India's first co-branded Hotel Credit Card. Discover The Benefits29 Aug 2023
HDFC Bank has partnered with Marriott Bonvoy to launch the ‘Marriott Bonvoy HDFC Bank Credit Card‘. This card works on the Diner's Club Platform. This card gives its consumers multiple travel benefits. They will also get perks such as exclusive membe...
Read moreHDFC Bank has partnered with Marriott Bonvoy to launch the ‘Marriott Bonvoy HDFC Bank Credit Card‘. This card works on the Diner's Club Platform. This card gives its consumers multiple travel benefits. They will also get perks such as exclusive member rates, priority late checkout, Marriott Bonvoy bonus points, and much more. Cardholders can earn Marriott Bonvoy points on eligible spends, and later, these points can be redeemed across the Marriott Bonvoy 31 brand portfolio. These points can also be transmitted to nearly 40 airlines across the globe. The card offers benefits like one free night award worth upto 15,000 points to be redeemed for participating Marriott Bonvoy hotels, Marriott Bonvoy Silver Elite status, and 10 Elite Night credits to accelerate the card user's journey with Marriott Bonvoy upon successful sign-up. You can earn upto 3 additional free night awards upon reaching spending thresholds. Additional benefits offered by the card include Marriott Bonvoy points per Rs. 150 spent, 8 Marriott Bonvoy points on eligible purchases at participating Marriott Bonvoy hotels, 4 Marriott Bonvoy points on eligible purchases across travel, dining, and entertainment, two Marriott Bonvoy points on all other eligible purchases, complimentary access to more than 1,000 airport lounges across the globe, 12 complimentary access to domestic lounges each year, and12 complimentary access to international lounges each year. Users will also get access to participating golf courses globally, up to 2 times per quarter. The Marriott Bonvoy HDFC Bank Credit Card offers insurance against loss or delayed baggage, loss of passport, ticket as well as a missed connection, and complimentary personal air accident insurance cover.
Swiggy Ties Up With HDFC Bank To Launch Co-branded Card27 Jul 2023
Foodtech Giant Swiggy has partnered with HDFC Bank to launch a co-branded credit card. The credit card will be available on Mastercard's payment network. Customers using the credit card will get a 10% cashback for services such as food delivery, groc...
Read moreFoodtech Giant Swiggy has partnered with HDFC Bank to launch a co-branded credit card. The credit card will be available on Mastercard's payment network. Customers using the credit card will get a 10% cashback for services such as food delivery, grocery delivery, and dining out. Cardholders will also receive a 5% cashback on shopping across major e-commerce platforms, including Amazon, Flipkart, Myntra, Nykaa, Ola, and branded fashion websites, such as Nike, H&M, Adidas, and Zara, to name a few. The cashback can be obtained via Swiggy Money. Swiggy is also offering a complimentary Swiggy One membership with a 3-month tenure. Users will also get the rewards and benefits provided by Mastercard such as complimentary loyalty memberships, free stay and dine, etc.
HDFC Bank Launches Regalia Gold Credit Card With Premium Benefits For Travel and Lifestyle4 Apr 2023
HDFC Bank has launched the Regalia Gold Credit Card, which will be available to high income individuals. The card is packed with superior travel and lifestyle benefits. Cardholders can redeem rewards on global flights, hotel stays, air miles, and on ...
Read moreHDFC Bank has launched the Regalia Gold Credit Card, which will be available to high income individuals. The card is packed with superior travel and lifestyle benefits. Cardholders can redeem rewards on global flights, hotel stays, air miles, and on a collection of premium brands through the exclusive Regalia Gold catalogue. This card will offer a privileged travel experience through the Club Vistara Silver Tier Membership, MMT Black Elite Membership, Priority Pass Membership, global airport lounge access, and complimentary airport cab vouchers. The users of this card will enjoy premium milestone benefits such as 2 flight ticket vouchers every year on annual spending milestones and Marriott vouchers on quarterly spending milestones. This card's reward program extends 4 reward points per Rs. 150 on retail spends and 5x reward points from Myntra, Nykaa, M&S, and Reliance Digital for everyday indulgences.
HDFC Ties Up With Flipkart To Launch Co-branded Credit Card For Flipkart Wholesale Members27 Mar 2023
HDFC Bank in partnership with Flipkart Wholesale has launched a co-branded credit card exclusively for Flipkart Wholesale members. This card is the first of its kind in the industry. The credit card comes with a five per cent cashback offer on Flipka...
Read moreHDFC Bank in partnership with Flipkart Wholesale has launched a co-branded credit card exclusively for Flipkart Wholesale members. This card is the first of its kind in the industry. The credit card comes with a five per cent cashback offer on Flipkart wholesale online spending. Other benefits of the card include activation cashback points worth Rs. 1,500 along with additional cashback on utility bills and other expenses. The card comes with zero joining fee. The firms claim that credit cards will enhance access to credit and accelerate the adoption of digital payments while offering multiple benefits to smaller merchants in India. Members can apply for the card directly at Flipkart Wholesale stores and on its best price Flipkart Wholesale app. HDFC Bank will establish channels inside Flipkart Wholesale stores to process the applications and provide related customer services. This partnership is seen as a move to support more Kirana stores and small merchants, and help them to carry out hassle-free transactions and operations by accelerating the adoption of digital payments. The credit card will run on the Diners Club International network and can be used in more than 200 countries around the world where Diners Club cards are accepted.
HDFC Bank and IRCTC Partner To Launch Co-Branded Travel Credit Card 7 Mar 2023
Indian Railway Catering and Tourism Corporation Limited (IRCTC) and HDFC Bank have partnered to launch a co-branded travel credit card called the "IRCTC HDFC Bank Credit Card". This card is highly rewarding and users of this card will enjoy an attrac...
Read moreIndian Railway Catering and Tourism Corporation Limited (IRCTC) and HDFC Bank have partnered to launch a co-branded travel credit card called the "IRCTC HDFC Bank Credit Card". This card is highly rewarding and users of this card will enjoy an attractive joining bonus, discounts on bookings, attractive benefits for rail travel as well as shopping needs, and exclusive access to several executive lounges at railway stations across the country. This card will leave its users with a hassle-free payment experience and is set to streamline online transactions. This co-branded credit card which comes in a single variant is exclusively available on NPCI’s Rupay network. With RuPay Credit Cards now enabled on UPI for payments, the IRCTC HDFC Bank credit card will help in furthering the reach of digital payments across India. Customers who book through the IRCTC ticketing website and rail connect app using this card will have access to exclusive benefits and maximum savings on bookings of train tickets.
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