HDFC Bank Credit Card Offers

HDFC Credit Card Offers

Credit cards are more than a mere convenience. They allow you to keep your money invested and earning high returns while you continue to spend and lead a luxurious life. HDFC brings you a variety of credit cards with different offers in a host of industries like travel, grocery, utility bills, fuel, hospitality, and more. The bank has partnered with some big brands to bring you the best deals – as long as you use your HDFC credit card. In fact, they offer you a card for almost every industry – Merchant, Restaurant, Travel, and Business. Here is all you need to know about Credit Card Offers from HDFC.

Some of the top brands have agreed to partner with HDFC and offer discounts and gifts to all HDFC credit card users. All you need to do is shop with your HDFC card to earn cash backs, discounts, and gifts. Here is a list of current offers.

Dining/Culinary

Healthcare

Lifestyle

Travel

Shopping offers

HDFC has also partnered with the following merchants and brands for some exclusive festival offers -

Benefits of HDFC Credit cards

Using an HDFC Credit Card to avail discounts and offers has some inherent benefits apart from the fact that you can shop cheap and easy.

• Interest Rate: The interest that HDFC charges on overdue payments is among the lowest in the industry. In addition to that they have a 20 to 50-day interest-free period from the date you activate the card. The interest-free period depends on the card you take.
• Zero Liability on lost card: If you happen to lose your card or unfortunately it gets stolen, there is no liability on you other than to report the loss – and file an FIR in case of theft.
• Insurance: Your HDFC Credit Card brings you more than just purchasing power. It brings with it an inbuilt insurance for general health, critical illness, and accident. Once again it is dependent on the type of card you take.
• Loan against your card: If you are an HDFC credit card holder, you are eligible for a hassle-free loan against your credit card. All you need to do is pay your credit card bills on time. If you have a good payback history, you can avail of loan on demand using your credit card.
• Huge Discounts: HDFC Brand Partners offer large discounts, reward points, and cash backs to all HDFC credit card holders. Of course the actual amount varies from card to card and brand to brand.
• Easy Balance Transfer: HDFC offers you the facility to transfer your credit card balance to another card or to another account without any hassle. This means that you can transfer any overdue amount from any other credit card you hold to your new HDFC credit card. This not only gives you much needed relief from the burden of debt but also brings with it an interest-free period and low interest rates, which you can use to your advantage in paying off the old debt and starting afresh.
• Global Access: HDFC credit cards are acceptable all over the world. The card facilities can be availed across number of merchant partners around the globe, thus offering you the convenience of purchasing from international as well as Indian brands.
• Reward Points: Every transaction you make with your HDFC credit card earns you some reward points – also called loyalty points – which you can use to make further purchases.

Frequently Asked Questions

1. What is a Chip Card?

Every credit card comes with an embedded micro-chip. This chip is unique to each card much like the SIM card given by telecom providers. When you swipe your credit card, the unique chip is used to identify you and guard against misuse or fraud.

2. What are the categories under which the offers can be availed using HDFC Credit Cards?

You can use your HDFC Credit Card across a multitude of categories such as apparel, travel, fuel, entertainment, hospitality, healthcare, and more. Visit the official website of HDFC Bank to see a comprehensive list.

3. Can the HDFC chip card be used for the online transaction?

Yes you can use your HDFC Chip Card for online transactions. You must however be verified by Visa or Master card in order to do so. This is mandatory for security reasons.

4. What should I do if my card gets lost or stolen? Can someone else use it?

Your card has a micro-chip that identifies you. However you also have to enter a Personal Identification Number (PIN) each time you make a purchase. Therefore a person who does not have this PIN cannot use your card.

It is however important to report loss of card so that you are doubly sure that no one can use it. It is also necessary to report loss so that you can get a replacement.

In order to report loss of card call, the HDFC Bank credit card customer care number and work through the IVR to block your card and report the loss. You can also speak to a phone banker who will help you to register the loss. You can also report the loss via the official website of HDFC Bank.

In case you happen to recover the lost card, we recommend letting the bank know and physically destroying the old card by cutting it diagonally, horizontally, and vertically. Make sure you completely destroy the microchip in the process.

About HDFC

HDFC (Housing Development and Finance Corporation) Bank is one of the first private sector banks in India. It is also among the largest banks in the credit card market. It has been the recipient of several awards such as the Euromeney Award for Excellence in 2017, the Leading Bank – Private Sector award, and the Dun and Bradstreet Corporate Award in the year 2017. The bank has been uniquely innovative in offering financial products ever since it was first established in 1994. It has since grown its network to 4,787 branches in 2691 cities across the country. It has the largest network of ATMs – 12,635 ATM kiosks – across the country.