HDFC

HDFC Credit Card

HDFC Bank

Premium rewards and shopping benefits

Annual Fee₹0 – ₹2,500
Rewards2X reward points on all spends
Welcome BonusUp to 2,500 reward points

Key Benefits

  • Fuel surcharge waiver up to ₹250/month
  • 1% cashback on utility bill payments
  • Access to HDFC SmartBuy portal for extra rewards
  • EMI conversion facility on purchases
  • Complimentary airport lounge access (select cards)
  • Comprehensive travel insurance coverage

Eligibility Criteria

Age21 – 60 years
Minimum Income₹25,000/month (salaried) or ₹6 lakhs/year (self-employed)
Credit Score750+ CIBIL score recommended
EmploymentSalaried or Self-employed professionals

Fees & Charges

Annual Fee₹0 – ₹2,500 (varies by card variant)
Joining Fee₹0 – ₹2,500
Late Payment FeeUp to ₹1,100
Foreign Transaction Fee3.5% of transaction amount
Cash Advance Fee2.5% of amount (min ₹500)
Interest Rate3.49% per month (41.88% p.a.)

Pros & Cons

Advantages
  • Wide range of card variants for different needs
  • Excellent SmartBuy portal for additional savings
  • Strong reward program with multiple redemption options
  • Good customer service and mobile app
  • Easy EMI conversion options
Disadvantages
  • High interest rate on revolving credit
  • Annual fee not waived on some premium cards
  • Foreign transaction markup is on higher side
  • Reward point expiry after 2 years

Frequently Asked Questions

You can apply online through HDFC Bank's website or visit your nearest branch. The process requires identity proof, address proof, income documents, and PAN card. Approval typically takes 3-7 working days.

HDFC Bank generally requires a minimum CIBIL score of 750 for credit card approval. However, existing HDFC customers with good banking history may get approved with slightly lower scores.

Yes, most HDFC credit cards offer annual fee waiver on spending a certain amount (typically ₹1-2 lakhs per year). Check your specific card terms for the exact waiver criteria.

You can request a limit increase through NetBanking, the mobile app, or by calling customer care. HDFC Bank reviews your payment history, income, and credit score before approving limit enhancement.
HDFC Credit Card
  • Annual Fee₹0 – ₹2,500
  • Joining Fee₹0 – ₹2,500
  • Credit Limit₹25,000 – ₹5,00,000

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Disclaimer: The information provided is for reference only. Credit card approval is subject to the bank's terms and conditions. Interest rates, fees, and benefits may change without notice. Please verify details on the official bank website before applying.