Want to know how to apply for hdfc credit card? Well you have landed on the right article!
HDFC Bank is one of the leading banks in India. It offers a wide variety of banking products to its customers, including debit and credit products.
Of these, HDFC is particularly known for providing a vast range of credit cards with competitive interest rates. In a short time, HDFC Bank has become a leading provider of credit cards in the Indian banking industry.
How to Apply for HDFC Credit Card In 3 Easy Steps:
With a booming economy, having a credit card in India is no longer considered to be a luxury. Instead, it has now become a must-have accessory for everyone. HDFC Bank has made it easier for everyone to own a credit card in just three easy steps.
1. Select your Credit Card
Every bank in India offers several options for credit cards. Your credit card selection should depend on your expected usage and your monthly requirements. Also, take a look at the benefits you want from your card.
For example, some credit cards are designed for the frequent traveller, while others are good for business or for entertainment. For example, if you prefer to get a lot of cashbacks,
You can opt for the HDFC Bank Money Back Credit Card, or you are looking at a premium lifestyle, then the HDFC Bank Regalia First Credit Card or the HDFC Bank Diners Club Black Card could be the best choice for you.
You can visit the HDFC Credit Card apply page to choose the credit card that best meets all your requirements. After selecting the right credit card for yourself, you need to check with the bank if you are eligible for the chosen card and also find out which documents you need to submit when you apply for the credit card.
2. Applying for the Credit Card
After finding out what document you need, you should get all the documents ready. Any bank in India will typically ask for documents that provide your identity, address, and income statements.
However, if you are an existing customer of HDFC Bank, this might not be necessary. You can either apply online or at any HDFC Bank ATM. You can also visit the nearest branch with the required documents.
For most credit cards, you have to pay an annual fee, which is usually waived off once you achieve a specific spending limit in a year. The annual fee is included in your monthly credit card statement.
3. Activate your Credit Card
Upon approval of your credit card application, the card gets sent to your mailing address. You will have to sign for the card at the time of delivery and also show identity proof to collect it.
Your personal identity number (PIN) is sent to you separately. You will need the PIN to validate any of the transactions you carry out on your credit card. You can change the PIN from any ATM of the bank.
Now that you have changed your PIN, you are ready to make your first purchase.
Top 30 HDFC Credit Cards in India
HDFC Bank offers credit cards for all levels of salaried and self-employed professionals. Whether you want a credit card for travel or shopping, whatever your passion is, HDFC has just the right credit card for you that makes life so much easier.
There are nearly 30 options of credit cards you can choose from, with each card having different minimum income requirements and designed for a specific purpose.
Ultimately, remember that the best HDFC credit card depends on your intended use and your income.
Here are the top 30 HDFC credit cards in India in 2021.
S. No. | HDFC Credit Card | Annual Fee | Category |
1. | HDFC Bank Regalia First Card | Rs. 1,000 | Premium lifestyle |
2. | HDFC Bank Diners Club Black Card | Rs. 5,000 | Premium lifestyle |
3. | HDFC Bank Regalia Card | Rs. 2,500 | Premium lifestyle |
4. | HDFC Freedom Credit Card | Rs. 500 | Rewards |
5. | HDFC Bank Money Back Credit Card | Rs. 500 | Cashback |
6. | HDFC Bank Titanium Times Card | Rs. 500 | Regular lifestyle |
7. | HDFC Bank Diners ClubMiles Card | Rs. 1,000 | Premium lifestyle |
8. | HDFC Bank Platinum Times Card | Rs. 1,000 | Regular lifestyle |
9. | JetPrivilege HDFC Bank Diners Club | Rs. 5,000 | Premium travel |
10. | HDFC Bank Business Regalia Credit Card | Rs. 2,500 | Travel |
11. | HDFC Bank Millennia Credit Card | Rs. 1,000 | Shopping |
12. | HDFC Bank Easy EMI Credit Card | Rs. 500 | Regular lifestyle |
13. | IndianOil HDFC Bank Credit Card | Rs. 500 | Travel & Fuel Benefits |
14. | Snapdeal HDFC Bank Credit Card | Rs. 500 | Regular lifestyle |
15. | HDFC Bank Business Money Back Credit Card | Rs. 500 | Regular lifestyle & Cashback |
16. | HDFC Solitaire Credit Card | NA | Premium lifestyle |
17. | HDFC Corporate Credit Card | Rs. 0 | Business |
18. | HDFC Superia Credit Card | Rs. 0 | Travel & Regular lifestyle |
19. | HDFC Visa Signature Credit Card | Rs. 0 | Regular lifestyle |
20. | HDFC World MasterCard | Rs. 0 | Regular lifestyle |
21. | HDFC Titanium Edge Credit Card | Rs. 0 | Premium lifestyle |
22. | JetPrivilege HDFC Bank Platinum | Rs. 1,000 | Premium travel |
23. | HDFC Platinum Edge Credit Card | Rs. 500 | Regular lifestyle |
24. | HDFC Corporate Platinum | Rs. 0 | Business |
25. | HDFC Corporate Visa Signature Credit Card | Rs. 0 | Business & Travel |
26. | HDFC Corporate World Master Card | Rs. 0 | Business |
27. | HDFC Platinum Plus Credit Card | Rs. 0 | Premium lifestyle |
28. | HDFC Teacher's Platinum Credit Card | Rs. 500 | Regular lifestyle |
29. | HDFC Infinia Credit Card | Rs. 10,000 | Premium lifestyle |
30. | HDFC Doctors Superia Credit Card | Rs. 1,000 | Travel & Regular lifestyle |
Features and Benefits of Top 10 HDFC Bank Credit Cards
Let us now look at the main features and benefits of the top 10 HDFC Bank credit cards.
Credit Card Type | Key Highlights | Joining fee | Renewal Fee | Joining Bonus | Rewards redemption options | Suitable for |
HDFC Bank Regalia Card | · This is a premium credit card that provides premium and exclusive travel and lifestyle perks. · You get complimentary priority pass membership that gives access to 700+ airport lounges. · Avail 15% discount at premium restaurants in India. · Earn up to 7,500 reward points on annual spending of up to Rs. 6 lakh. · Get 8 complimentary domestic lounge access per year. · You get free comprehensive insurance to cover air accidental death, credit liability, and emergency hospitalization. | Rs. 1,000 | Pay Rs. 1,000 from the 2nd year. This fee is waived if the total spending in the last year crosses Rs. 3 lakh. | 1,000 rewards points on paying the joining fee. | You can redeem reward points for free air tickets. | This card is best for those who are frequent international travellers. |
HDFC Bank Diners Club Black Card | · This card is given in partnership with Diners Club International. · It gives world-class privileges in lifestyle, travel, golf, rewards, etc. · Earn 5 reward points for every retail spending of Rs. 150. · Get unlimited access to over 700 airport lounges around the world. · 24/7 concierge services at local and international locations. · 6 complimentary golf games per quarter in India and abroad. · Free comprehensive insurance covering emergency hospitalization, air accidental death, baggage delay, and credit liability. | Rs. 10,000 | Rs. 5,000 from 2nd year onwards. This is waived if the total spending in previous year exceeds Rs. 5 lakh. | Get 10,000 reward points on paying the joining fee. | You can redeem reward points for free air tickets and hotel bookings, JP Miles, Air Miles, KrisFlyer Miles, and gifts from the exclusive rewards catalog. | This card is best for those who are frequent international travellers. |
HDFC Bank Regalia Card | · This card offers the best benefits across many lifestyle categories. · It is designed for the elite. · It offers 4 reward points for every Rs. 150 spendings. · You get 12 complimentary domestic lounge access per year. · You can get up to 15,000 reward points on spending up to Rs. 8 lakh per year. · Avail 15% discount at premium restaurants in India. · Foreign currency mark-up fee of 2% on all international spends. · Free comprehensive insurance covering emergency hospitalization, air accidental death, baggage delay, and credit liability. · 24/7 concierge facility for entertainment and travel bookings. | Rs. 2,500 | Rs. 2,500 from second year, which gets waived if total spending crosses Rs. 3 lakh in previous year.
| Get 2,500 reward points on paying the joining fee. | You can redeem the reward points for booking air tickets, hotel bookings, or convert them to AirMiles. | This card is best for those who travel frequently and spend a lot on their credit cards. |
HDFC Freedom Credit Card | · This is a great reward credit card that offers spend-based rewards and free accidental death insurance. · You get 5 times more reward points on entertainment, dining, cab booking, railway ticket booking, and grocery purchase. · Get 10 times more reward points on HDFC SmartBUY, and PayZapp spends. · You earn 1 reward point every time you spend Rs. 150 and above. · Get a gift voucher worth Rs. 1000 on yearly spends of Rs. 90,000 or more. · Avail complimentary accidental insurance up to 50 lakh. | Rs. 500 | Rs. 500, which is waived off if total spending in previous year exceeds Rs. 60,000. | Get 500 reward points on paying the joining fee. | You can redeem the reward points for cashback or for gifts you can select from the rewards catalog. | This card is ideal for those who use their credit card for all their daily expenses. |
HDFC Bank Moneyback Credit Card | · This card is ideal for getting maximum cashback against your reward points. · Earn two times more reward points on online shopping. · Spend Rs. 50,000 in a quarter and avail an e-voucher worth Rs. 500. · There is zero liability if you lose your card. · Get free accidental death insurance of up to Rs. 50 lakhs. | Rs. 500 | Rs. 500 from second year onwards. | Earn 500 reward points once you pay the joining fee. | You can redeem the reward points for cashback against card outstanding, gifts from the rewards catalog, or air miles. | This card is best suited for those who want to reduce their credit card annual maintenance. |
HDFC Bank Titanium Times Card | · This high-value and low-cost credit card gives you many benefits across several lifestyle categories. · Earn two times more reward points on online shopping. · Get free accidental death insurance of up to Rs. 50 lakhs. · Spend Rs. 50,000 in a quarter and avail e-voucher worth Rs. 500. · Zero liability on losing your card. | Rs. 500 | Rs. 500 from second year onwards. | Get gift vouchers from various categories including dining, clothing, shopping, etc. | You can redeem the reward points for cashback against card outstanding, gifts from the rewards catalog, or air miles. | This credit card is best for those who want a low maintenance card with great benefits. |
HDFC Bank Diners ClubMiles Card | · This card offers the best Miles Exchange Program valid across many airlines, including Club Vistara, Jet Airways, British Airways, Trident, and Singapore Airlines. · Get access to exclusive lounge programs at leading airports around the world. · You get up to six lounge visits to over 700 lounges worldwide. · Concierge services to assist with your travel needs. · You can hotels and air tickets through the exclusive Diners Club website worldwide. · Avail of a 15% discount and other benefits at leading restaurants in India. · Comprehensive air insurance cover of up to Rs. 1.5 crore. | Rs. 1,000 | Rs. 1,000, which gets waived off if previous year spending exceeds or equals Rs. 1 lakh. | Get 1,000 reward points after paying the joining fee. | You can redeem your reward points for hotel bookings or flight tickets through the Diners Club website. Points can also be exchanged for Miles in domestic and international airlines and hotels. | This card is ideal for globetrotters who need to use their credit card during travel. |
HDFC Bank Platinum Times Card | · This low-cost, high-value credit card gives you many benefits across several lifestyle categories. · Get 25% off on booking movie tickets. · Get 20% off on dining bills. · Get a fuel surcharge waiver. · Earn 3 more reward points on your regular spending and 10 points on any dining expenditure on the weekdays. · Free accidental death insurance cover of up to Rs. 50 lakhs. | Rs. 1,000 | Rs. 1,000 from second year onwards. | Get many gift vouchers from various lifestyle categories like dining, shopping, clothing, etc. | You can redeem your reward points for getting exclusive gifts from the rewards catalog. | This card is best for those who are movie buffs and dine-out regularly. |
JetPrivilege HDFC Bank Diners Club | · This co-sponsored credit card offers various benefits on booking flights from Jet Airways. · You get a 5% discount on base fare for revenue tickets booked through the JetAirways website. · Avail priority check-in and extra baggage allowance at some Indian airports. · You get free, unlimited access to the largest airport lounge program in the world. · Earn 8 JPMiles on regular spending and 24 JPMiles when traveling through Jet Airways. · Get exclusive fine dining privileges at top restaurants. · Play unlimited free golf games and lessons anywhere in the world. · 24x7 personalized concierge services for all bookings. | Rs. 10,000 | Rs. 5,000 from the second year onwards, which can be waived off if you have Rs. 8 lakh or more spending in the previous year. | Get up to 30,000 bonus JPMiles and 15 JetPrivilege Tier Points in the first 90 days of activating the credit card. | You can exchange your reward points for JPMiles and you can redeem that for Jet Airways flight tickets. | This credit card is perfect for those who prefer Jet Airways to other air carriers for local and international travel. |
HDFC IndianOil Credit Card | · You get fuel points at any IndianOil fuel outlet by earning 5% of your spending. · You can shop at select grocery stores and earn fuel 5% as fuel points. · You earn 1 fuel point for every Rs. 150 that you spend with this card. · You can earn nearly 50 litres of free fuel every year. | Rs. 500 | Rs. 500 from second year, which can be waived off if spending of Rs. 20,000 is achieved in the previous year. | NA | NA | This credit card is best for those who prefer Indian Oil for refuelling their vehicles, do not want to pay a high annual fee, and spend a lot on fuel in a month, and want to save wherever possible. |
Types of Credit Cards offered by HDFC Bank
Like any leading bank, HDFC also offers many different types of credit cards. The bank's credit cards have been designed keeping in mind the various needs of the different customer bases.
The bank offers many types of premium credit cards, premium travel credit cards, super-premium credit cards, cash back credit cards, co-branded or co-sponsored credit cards, women-specific credit cards, and business credit cards.
The many credit card offerings from HDFC can be divided into several categories based on their fees and features to help you select the best credit card for yourself. Let us take a look at a snapshot of the different types of HDFC credit cards.
Type of HDFC Credit Card | Selected Credit Cards as per Category |
1. Premium Credit Cards | · HDFC Diners Club Black Credit Card · HDFC Infinia Credit Card Metal Edition |
2. Lifestyle Credit Cards | · HDFC Regalia Credit Card · HDFC Diners Club Privilege Credit Card |
3. Rewards and Cashback Credit Cards | · HDFC Bharat Credit Card · HDFC Diners Club Rewardz Credit Card · HDFC EasyEMI Credit Card · HDFC Millennia Credit Card · HDFC Moneyback Credit Card |
4. Entertainment Credit Cards | · HDFC Bank Platinum Times Credit Card · HDFC Bank Titanium Times Credit Card |
5. Travel Credit Cards | · HDFC Diners Club Miles Credit Card · 6E Rewards XL Indigo HDFC Bank Credit Card |
6. Fuel Credit Cards | · HDFC Diners Club Black Credit Card · HDFC Infinia Credit Card Metal Edition |
With such a wide variety of hdfc credit card apply online to choose from, customers are often left confused about which credit card is the best for them. Well, in that case, you can easily contact the bank's customer service,
Who will connect you with a credit card support representative to help you understand and select the perfect credit card for your personal requirements
HDFC Credit Card Eligibility Criteria
Of course, in order to get a credit card from HDFC Bank, you have to meet specific eligibility criteria. While the income requirement differs from card to card,
There are some other standard criteria as well that credit card applicants have to meet in order to be eligible for getting an HDFC credit card. Let us take a look at these eligibility criteria.
Eligibility Criteria | Details Required |
Age | For salaried applicant: 21-60 years For self-employed applicant: 21-65 years |
Occupation | Credit cards are available to both salaried and self-employed applicants. |
Serviceable Cities | Bengaluru, Hyderabad, Thane, Ghaziabad, Gautam Buddha Nagar, Gurgaon, Mumbai, Delhi, Faridabad, Pune, Noida, Navi Mumbai |
Documents required | Proof of Identity Proof of Address Proof of Income |
Income Eligibility for Top HDFC Credit Cards
Here is the criteria for income eligibility for the top HDFC credit cards:
Credit Card Type | Minimum Income Criteria for Salaried Applicant | Minimum Income Criteria for Self-employed Applicant |
HDFC Regalia Credit Card | Rs. 70,000 per month (p.m.) | ITR of over Rs. 8.4 Lakh p.a. (per annum) |
HDFC Moneyback Credit Card | Rs. 25,000 p.m. | ITR of over Rs. 6 Lakh p.a. |
HDFC Millennia Credit Card | Rs. 25,000 p.m. | ITR of over Rs. 6 Lakh p.a. |
HDFC Times Titanium Credit Card | Rs. 25,000 p.m. | ITR of over Rs. 6 Lakh p.a. |
HDFC Times Platinum Credit Card | Rs. 35,000 p.m. | ITR of over Rs. 6 Lakh p.a. |
HDFC Diners Clubmiles Credit Card | Rs. 30,000 p.m. | ITR of over Rs. 3.6 Lakh p.a. |
HDFC Diners Club Rewardz Credit Card | Rs. 30,000 p.m. | ITR of over Rs. 3.6 Lakh p.a. |
HDFC Diners Club Black Credit Card | Rs. 1,75,000 p.m. | ITR of over Rs. 21 Lakh p.a. |
HDFC Indian Oil Credit Card | Rs. 10,000 p.m. | ITR of over Rs. 6 Lakh p.a. |
HDFC Diners Club Privilege Credit Card | Rs. 70,000 p.m. | ITR of over Rs. 8.4 Lakh p.a. |
HDFC Credit Card Fees and Charges
Here are some of the standard charges that are applicable to all the credit cards offered by HDFC Bank.
Credit Card Fees/Charges | Amount/Rate |
Joining Fees | Depends on which card you choose |
Annual Fees | Depends on which card you choose |
Finance Charges | It can range up to 3.6% per month, accounting to 43.2% per year (Also depends on which card you choose) |
Fees for Late Payment | Outstanding Amount: Less than Rs. 100 – No late fees Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 500 Rs. 5,001 to Rs. 10,000 – Rs. 600 Rs. 10,001 to Rs. 25,000 – Rs. 800 Rs. 25,001 to Rs. 50,000 – Rs. 1,100 Above Rs. 50,000 – Rs. 1,300 |
It is important to note that the exact fees and charges vary from card to card, so you should find out about the card-specific costs before you apply for a particular credit card variant.
I hope you liked our article on how to apply for hdfc credit card, if you have any comments or suggestions do share them in the comments below.
Frequently Asked Questions
1. Which HDFC credit card is best for beginners?
HDFC MoneyBack credit card is best suited for beginners since it has a relatively lower income eligibility requirement and it also has low annual fees. Apart from this, there are many beginner-level credit cards offered by HDFC, including the HDFC Diners Club Rewardz credit card, HDFC Business Platinum credit card, and the HDFC Business Moneyback credit card.
2. Is ITR mandatory for credit cards?
While an ITR is preferred to avail a credit card as it serves as income proof, it is possible in some situations to get a credit card without providing an ITR. This is usually only possible if you have a bank account with the same bank.
3. Which bank gives credit cards at low salaries?
HDFC Bank offers credit cards to salaried people who are just starting their jobs and have a low salary. For example, the HDFC MoneyBack credit card has low-income eligibility criteria, combined with low annual charges.
4. How can I add an HDFC credit card to the HDFC app?
To link your HDFC Credit Card to your HDFC banking app, you have to first connect the credit card to your net banking account. You will see the option for adding credit cards on the net banking home page.
The drop-down menu will provide the option of adding the HDFC credit card to your account. Once you have added it to the net banking, you can access the HDFC app, and you will find that the card has been linked to your HDFC app.
5. Which card has the highest credit limit?
HDFC Bank offers several types of credit cards, and all of them have varying credit limits. When it comes to the highest credit limit, the Super Premium Credit Card HDFC Infinia Credit Card offers one of the highest credit limits of-
Rs. 8 lakhs and above. The premium JetPrivilege HDFC Diners Club credit card also offers a credit limit of Rs. 4 lakhs and above.
