HDFC Credit Card Apply 2024 – Review, Details & Benefits

HDFC Credit Card Apply 2024 – Review, Details, Customer Care & Benefits: Hi friends today in this article, we will provide you information about HDFC Bank credit cards. If you need to get a credit card and you do not know how to get a credit card and which credit card to take, then you can consider HDFC Bank Credit Card. Before applying for a credit card, you need to know what is a credit card?

With the help of credit card, you can do shopping both online and offline. The benefits of HDFC Credit Card are many. You can do shopping, ticket booking, travel, hotel booking etc. with the help of credit card, on which you can get the benefit of many types of offers.

In this article, we will know in detail what is HDFC credit card, what are its eligibility, documents and how can we apply for this card etc., so read this article till the end.

HDFC Credit Card Review

Before applying for a credit card, you need to know what a credit card is. A credit card is a financial instrument that allows you to make transactions without making immediate payments. In a credit card, the bank gives you a kind of loan, which you have to pay at the end of the month. There is a limit of money in a credit card which is called Credit Card Limit. You cannot transact more than this limit.

This credit card limit is decided on the basis of the applicant’s CIBIL score, income, credit history etc. HDFC Bank provides customers with a variety of offers and benefits on HDFC Bank Credit Card. You can apply for credit card both online and offline. If you are buying anything, then you can pay it with HDFC Credit Card.

The bank offers various types of HDFC Bank Credit Cards as per the requirement of the customers. You can apply for the credit card you want to take. HDFC Credit Card Billing Cycle Date is between 20 to 50 days in which you can avail interest free credit. Detail information about HDFC credit card details is given in this article.

HDFC Credit Card Details:

• Card Name: HDFC Credit Card 2023
• Bank: HDFC Bank
• Age Limit: 18 to 70 years
• Fee: Different for different cards
• Beneficiary: Any person
• Application Mode: Online / Offline
• Official Website: https://www.hdfcbank.com/

HDFC Credit Card Types

The bank offers various types of credit cards according to the needs of the customers. The eligibility, benefits, features etc. for different credit cards can be of different types. Here all the HDFC credit card details are given in detail. You can find out the best HDFC Credit Card for yourself from these:

• MoneyBack+ Credit Card
• Millennia Credit Card
• Regalia Credit Card

MoneyBack Credit Card:

The benefits and features of this credit card are as follows:

Benefits and Features:

• Under this card, you can avail 10X cashpoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy.
• Spends 5X Cashpoints on EMI across merchant locations.
• 150 spent on other expenses. Avail 2 Cashpoints (excluding fuel, wallet load/prepaid card load and voucher purchases) on Rs.
• 50,000 Rs. 500 per calendar quarter spent on Rs. Get a gift voucher of Rs.
• Avail up to 15% off at 2000+ premium restaurants in select cities.
• Zero Lost Card Liability: If your MoneyBack+ Credit Card is unfortunately lost somewhere, then you have to report it to the bank within 24 hours. If you immediately inform the bank about the loss of the card within these 24 hours, then you will not be liable for any fraudulent transactions done on your credit card i.e. you are protected.
• Interest Free Credit Period: You can avail the interest free card up to 50 days from the date of purchase of the card.
• Revolving Credit: You can avail revolving credit with nominal interest on your HDFC MoneyBack+ Credit Card.

Other features of HDFC MoneyBack Plus Credit Card are as follows:

• Fuel Surcharge Waiver: Avail 1% fuel surcharge waiver on fuel transactions. (Minimum Transaction Rs.400, Maximum Transaction Rs.5,000 and Max Discount Rs.250 Per Statement Cycle)
• Welcome/Renewal Benefit: Avail 500 cash points (applicable only on payment of membership fee).
• Quarterly Spend based benefit: Rs.50,000 in each calendar quarter. 500 and above on expenditure of Rs. Receive gift vouchers worth Rs. 2,000 in a year. Get gift vouchers up to Rs.
• Renewal Offer: Rs.50,000 in a yearly year. and waive the renewal subscription fee by spending more.
• Smart EMI: After buying HDFC MoneyBack+ Credit Card, you can convert your big expenses into EMI.
• Contactless Payment: HDFC MoneyBack Plus Credit Card is enabled for contactless payments. In India you can pay maximum up to Rs 5000 through contactless mode without PIN but if the amount is more than Rs 5000 then you have to enter the PIN.
• Reward Points/Cashback Redemption and Validity: 1 Cashpoint = Rs.0.25 to HDFC Bank MoneyBack+Cashpoints earned on Credit Cards. The statement can be redeemed against balance at the rate of Rs, which you can do through net banking login, phone banking or physical mode.
• You can use these cashpoints to make flight and hotel bookings, rewards catalog on Smartbuy rewards portal.

HDFC Millennia Credit Card:

HDFC Millennia Credit Card is a type of CashBack Credit Card. HDFC Millennia Credit Card benefits and features are as follows:

Features & Benefits:

• Avail 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato under HDFC Millennium Credit Card.
• Avail 1% cashback on all other expenses (except fuel) including EMIs and wallet transactions.
• 1,00,000 in each calendar quarter. 1000 and above on expenditure of Rs. Receive gift vouchers worth Rs.
• Avail up to 20% off at partner restaurants through Dineout.
• Zero lost card liability: If your HDFC Millennia Credit Card is lost somewhere then you do not need to worry, you will have to inform the bank within 24 hours and at this time your HDFC Millennia Credit Card is lost. You do not have any liability on fraudulent transactions done on Credit Card.
• Interest Free Credit Period: Get the benefit of interest free period of up to 50 days on your HDFC Millenia Credit Card within 50 days from the date of purchase. Don’t have to give.
• Revolving Credit: You can avail revolving credit with nominal interest on your HDFC Millennia Credit Card.
• Exclusive Dining Privileges: Good Dining at premium restaurants in top cities Take advantage of the Trail Dining Program.
• Lounge Access: Get 8 complimentary domestic lounge access benefits per calendar year.
• A fee of Rs 25 will be charged for a MasterCard card and will be immediately voided at the terminal for verification.
• For Visa/Dinner cards, a transaction fee of Rs.2 will be charged for verification in the card account.
• Fuel Surcharge Waiver: Avail 1% fuel surcharge waiver at all fuel stations across India. (For minimum transaction of Rs.400 and maximum transaction of Rs.5,000, maximum discount of Rs.250 per statement cycle).
• Welcome Benefit: Avail 1000 Wish Points (Applicable only on payment of membership fee).
• Renewal Offer: Waive off renewal subscription fee of Rs 1 lakh or more in the last 12 months and for the next year.
• Smart EMI: If you make any extra expenditure through HDFC Millennia Credit Card, then you can convert it into EMI.
• Contactless Payment: HDFC Millennia Credit Card enables you to make contactless payments.
• Reward Points/Cashback Redemption and Validity: Redemption against statement balance 1 cashpoint = Rs.1. , The minimum cashpoint balance required for redemption against the statement balance is 500 cashpoints.

HDFC Regalia Credit Card:

This credit card is a Reward Points type of credit card. The benefits and features of HDFC Regalia Credit Card are as follows:

Features & Benefits:

• Get access to 12 Complimentary Airport lounges within India and 6 Complimentary Airport lounges outside India.
• 5 lakh Rs. 10,000 reward points and Rs.8 lakh in an anniversary year. Avail additional 5,000 Reward Points on spending Rs.
• Avail 4 reward points for every Rs.150 spent.
• You can easily apply for HDFC Bank Credit Card online by visiting the official website of the bank.
• Zero Lost Card Liability: If your HDFC Regalia Credit Card is lost somewhere and you inform the bank about it within 24 hours, then you do not have any liability on fraudulent transactions done on it.
• Foreign Currency Markup: 2% on all your foreign currency expenses.
• Revolving Credit: Enjoy revolving credit at nominal interest rate with HDFC Regalia Credit Card.
• Concierge Service: You can avail concierge services on HDFC Regalia Credit Card 24/7 anytime. For this, all you have to do is call on HDFC credit card customer number.
• Lounge Access: Avail 12 complimentary accesses per calendar year within India (at both domestic and international terminals) using HDFC Bank Regalia Credit Card.
• Fuel Surcharge Waiver: Under this HDFC Credit Card, you will get the benefit of 1% fuel surcharge waiver (minimum Rs.400 and maximum Rs.5000 transactions) at all fuel stations across India.
• Dining Benefit:
  • Assured flat 25% off at 2000+ premium restaurants.
  • 1+1 on the buffet in 200+ restaurants
  • Additional 5% off and zero convenience fee.
  • Early access to events and festivals like Gourmetlicious.
• Milestone Benefit:
  • 5 lakh in the anniversary year. Bonus Earn 10,000 Reward Points when you spend.
  • 8 lakh in the anniversary year. Earn an additional 5,000 reward points when you spend.
• Renewal Offer: Renewal fee is waived if you spend more than 3L in the previous year.
• Smart EMI: If you spend a lot with HDFC Regalia Credit Card, then you can convert it into EMI.
• Contactless Payment: HDFC Regalia Credit Card enables customers to make contactless payments.
• Nominee Details for Insurance/Comprehensive Protection and Insurance:
  • 1 crore Rs. Ka Accidental Air Death Cover
  • Emergency foreign hospitalization: Rs 15 lakh. until
  • Lost Card Liability Cover: Rs.9 lakh. until
• Reward Points/Cashback Redemption and Validity: Avail benefits like reward points/cashback redemption and validity with this HDFC Bank Credit Card.

HDFC Credit Card Eligibility

The bank offers several types of credit cards. The benefits and eligibility of different HDFC credit cards can be different. There are some general eligibility which are as follows:

• Applicant should be resident of India.
• All types of salaried and self-employed persons can apply for this card.
• The average age of the applicant is minimum 18 years and maximum 70 years across all cards.
• You should have a good employment which is giving you a steady income.
• The average should be between Rs.144,000 to Rs.25,00,000 per annum for both salaried and self-employed.
• A person earning Rs 50,000 per month is eligible for a different type of card as compared to the one earning Rs 25,000 per month.
• You may be asked to submit your latest Income Tax Return copy as proof of income.
• Applicant should have salary or savings bank account.
• Your CIBIL score should be very good.

Below are the eligibility for different credit cards:

HDFC MoneyBack+ Credit Card Eligibility

For Salaried:

• The applicant must be an Indian resident.
• Your minimum age should be 21 years.
• Maximum age should be 60 years.
• Your minimum monthly income should be Rs 20,000 or more.

For Self Employed:

• The applicant must be an Indian resident.
• Your minimum age should be 21 years.
• Maximum age should be 65 years.
• The annual income of the applicant should be minimum 6 lakh rupees.

HDFC Millennia Credit Card Eligibility

For Salaried:

• The applicant must be an Indian resident.
• The minimum age of the applicant should be 21 years and maximum age should be 40 years.
• Your monthly income should be at least Rs 35,000.

For Self Employed:

• The applicant must be an Indian resident.
• The minimum age of the applicant should be 21 years and maximum age should be 40 years.
• Your annual income should be Rs 6 lakh.

HDFC Regalia Credit Card Eligibility

For salaried Indian citizens:

• The minimum age of the applicant should be 21 years and maximum 60 years.
• Your monthly income should be at least 1 lakh rupees.

For Self Employed Indian Citizens:

• Applicant’s minimum age should be 21 years and maximum 65 years.
• The annual income of the applicant should be Rs 12 lakh.

Read Also: Best Credit Card for Salaried Person

Documents Required for HDFC Credit Card Apply

Before applying for HDFC Bank Credit Card, you should keep all the necessary documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. Documents can be different for different credit cards. For more information about the document, you can also contact your nearest bank branch.

To apply you must have the following documents:

• Proof of Identity (any one): Voter ID Card, Ration Card, Driving License, Pan Card, Passport, Aadhar Card etc.
• Address Proof (any one): Electricity Bill, Passport, Telephone Bill, Ration Card, Aadhar Card, Rental Agreement etc.
• Income Proof (For Salaried):
• Recent Pay Slip/s
• salary certificate
• employment letter
• Income Proof (For Self-Employed):
• Recent ITR (Income Tax Return)
• certified financial
• audited profit and loss statement or balance sheet

Read Also: Best Credit Card For Students

HDFC Credit Card Fees & Charges

If you do not pay your credit card bills on time, then the bank charges you various types of charges. Here we will get information about HDFC Credit Card Annual Fee to each and every fee. Charges can be different for different HDFC Bank Credit Cards. You can see these charges here:

HDFC MoneyBack+ Credit Card Charges

• Joining Fee: Rs.500. + GST
• Renewal Fee: Rs.500. + GST
• 50,000 in a year before your credit card renewal date. Or spend more and waive your renewal fee.

HDFC Millennia Credit Card Charges

• Joining Fee: Rs.1000/- + GST
• Renewal Fee: Rs.1000/- + GST
• 1,00,000 in a year prior to your credit card renewal date. Or spend more and waive your renewal fee.

HDFC Regalia Credit Card Charges

• Joining Fee : 2500 Rs. + GST
• Renewal Fee : 2500 Rs. + GST

What is Child Insurance Plans

How to Apply HDFC Credit Card?

If you fulfill all the conditions of this credit card, then you can apply for it both online and offline. To apply, follow the steps given below:

HDFC Credit Card apply online

Follow the steps given below to apply for HDFC Bank credit card online:

• To apply online, you have to first visit the bank’s official website hdfcbank.com.
• Credit card option will appear on the home page of the website, click on it.

• After clicking, the list of all credit cards will open in front of you on the next page.
• Click on the credit card you want to apply for.
• To apply, click on the option of Apply Online.
• The form will open in front of you.
• You have to enter all the requested information.
• After you submit the form, the bank officials will contact you and issue the further process.

How to apply offline?

• First of all you have to go to your nearest HDFC Bank branch.
• Visit the branch and contact the bank official who will provide you complete information about the credit card.
• Then your documents will be verified.
• You have to fill a form and submit documents.
• If your application is accepted, you will be issued a credit card.

How to Check HDFC Bank Credit Card Status?

If you have applied for a credit card then you can track your HDFC credit card both online and offline. You can check your status offline by visiting your nearest HDFC Bank branch. You can also check the status of your application by calling on HDFC Bank Credit Card customer care number. To check HDFC credit card status online, follow the steps given below:

• First of all you have to visit the official website of the bank.
• After that you have to come to the section of Track your Credit Card.
• After clicking, a form will open in front of you.
• In this, you have to enter some details like your mobile number, application number etc. and click on submit.
• After clicking, the status of your application will appear in front of you.
• How to Activate HDFC Credit Card?
• If you have made a new credit card, then you have to activate it before using it. Here we will know how we can use HDFC

How to Activate HDFC Credit Card:

How to Activate through HDFC Net Banking?

• First of all you have to go to the official website of HDFC Netbanking.
• You have to login with the help of your username and password.
• After logging in, you have to go to the Requests section.
• After this select the credit card whose PIN you want to generate.
• Then enter new pin.
• After this confirm the requests.

How to Activate HDFC Credit Card through ATM?

• First of all, you have to call phone banking and then select the option to set credit card PIN.
• An OTP will come on your registered mobile number.
• Now put your credit card in HDFC ATM.
• Generate a new PIN with the help of your OTP.
• Then you will verify the OTP and set your 4 digit PIN.

HDFC Bank Credit Card Customer Care Number

If you are facing any kind of problem in applying for this credit card or if you want to get other information about this credit card, then you can get information by calling HDFC Bank credit card customer care number.

Toll Free Number : 1800 202 6161 / 1860 267 6161

My Last Word:

In this article, we have provided you complete information about HDFC Credit Card. Any person who needs a credit card can apply for this credit card. You can easily apply for HDFC Bank Credit Card online by visiting the official website of the bank.

Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.

FAQ’s on HDFC Credit Card