HDFC Bank - Banking of India

HDFC Bank is India’s largest private sector bank if we talk about in terms of asset and market capitalization. The Mumbai-based financial services Housing Development Finance Corporation (HDFC) has become customer’s favorite and it is most trusted card issuers of India with over 1 Cr active credit cards (as of month of November 2022). Right from cashbacks, the bank issues credit cards in all categories.

HDFC Bank has won several awards for its performance and customer service, and has been recognized as one of the best banks in India and Asia.

The bank currently offers over 70 credit cards in the country. But back in 2020, due to Poor Infrastructure, RBI imposed in December 2020 imposed a temporary ban and didn’t allow the bank to issue new credit cards to the customers. But now since August 2021, the card issuer has again started offering cards actively and even few new cards have been launched in 2022.

Best Credit cards offered by HDFC Bank

With multiple HDFC credit cards available in the market, it might get really gets difficult for individuals to choose one particular card for users. But don’t you worry we at Banking of India are here to help you out and you can go through everything, their benefits, fees, charges and you can apply for that best one that falls into your requirements.

HDFC Bank INFINIA Credit Card Metal Edition

On-boarding benefits

This comes with bonus of 12,500 Reward points and membership of Complimentary Club Marroit membership for the first year only offering 20% on the dining and stay in Asia-pacific region.

Rewards Rate

5 Reward Points on every retail spend of Rs 150, reward rate up to 3.3%

Joining Fees

INR 12500 + Applicable Fees

HDFC Bank Diners Club Credit Card

On-boarding benefits

Avail Complimentary annual membership of Forbes, Club Marriot, Times Prime, MMT black amazon prime on spending of INR 1,50,000 or even more in the first day of issuance.

Rewards Rate

5 Rewards points on every spend of Rs 150. 10x reward points on Smart buy and 2X on dining ones.

Joining Fees

Rs 10,000 (Plus applicable Taxes)

HDFC Bank Regalia Credit Card

On-boarding Benefits

2,500 bonus Reward points

Reward Points

4 reward points are given on purchase of INR 150

Joining Fees

The joining fees for the credit card is Rs 2500 + taxes

HDFC Bank Diners Club Premium Credit Card

On-boarding Benefits

2,500 bonus points

Reward Points

4 Reward Points on every retail expense of 150 Rs. Savings upto 1.3% on all your expenditure through this card.

Joining Fees

INR 2,500 + Taxes

HDFC Bank Millennia Credit Card

On-boarding Benefits

1,000 cashpoints as a newest member.

Reward Points

5% cashback at selected online merchant partners and 1% cashback on rest transactions (except fuel and other governmental transactions)

Joining Fees

Rs 1000 +taxes

HDFC Club Bank Diners Privilege Credit Card

On-boarding Benefits

Membership of Amazon prime, MMT, Swiggy, Times Prime Smart comes along with HDFC Club Bank Diners Privilege Credit Card.

Reward Points

On every purchase of 150 INR there would be total 4 reward points.

Joining Fees

Rs 2500 + fees

Tata Neu Infinity HDFC Bank Credit CARD

On-boarding Benefits

1,499 as Neu as a newest member benefit

Reward Points

With every Rs. 150 spent on the card, you will earn 2 reward points.

Joining Fees

Rs 1,400 + taxes

Tata Neu Plus HDFC Bank Credit Card

On-boarding Benefits

For the on-boarding benefits, the cardholders will get Rs 499 as neu coins.

Reward Points

2% back and 1% back in the form NeuCoins while shopping on Tata brands respectively. Additional 5% back on Neucoins on Tata Neu app

Joining Fees

Rs 499+ Taxes

Paytm HDFC Bank Select Credit Card

On-boarding Benefits

Complimentary Paytm First membership

Reward Points

5% cashback on all the major Paytm / phonepe and other digital platforms

Joining Fees

INR 1,000 (Plus applicable taxes)

Paytm HDFC Bank Mobile Credit Card

On-boarding Benefits

Not applicable

Reward Points

2% cashback on Paytm Mall and other expenditure on Paytm

Joining Fees

Rs 29+ GST

Shoppers Stop HDFC Bank Credit Card

On-boarding Benefits

You get a voucher worth Rs 500 as a welcome gift which can be redeemed spend of Rs 5000 on private label brands.

Reward Points

Earn 6 first citizen points on every 150 INR shopping on major private label brands.

Joining Fees

Not applicable

Shoppers Stop Black HDFC Bank Credit Card

On-boarding Benefits

2 cashpoints for every Rs 150 you spend on your purchases

Joining Fees

Rs 500 +Plus applicable taxes

HDFC Moneyback Credit Card

On-boarding Benefits

Get 500 Cash Points

Reward Points

4 Reward Points on every purchase of Rs 150

Joining Fees

Rs 500 + Applicable Taxes

HDFC Platinum Times Card

On-boarding Benefits

Complimentary Times Prime membership and a voucher worth over 800 INR

Reward Points

3 Reward points on every spend of Rs 150

Joining Fees

NIL

HDFC Bank Freedom Credit Card

On-boarding Benefits

Not Applicable

Reward Points

3 Rewards on purchase 150 INR

Joining Fees

Rs 1000 (Plus Applicable Taxes)

InterMiles HDFC Bank Platinum Credit Card

On-boarding Benefits

A sponsored wellness package from Thyocare

Reward Points

3 Reward points on every spend worth INR 150

Joining Fees

Rs 500 + applicable taxes

6E Rewards – IndiGo HDFC Bank Credit Card

On-boarding Benefits

1,000 bonus reward points

Reward Points

3 Reward points on every spend of Rs 150

Joining Fees

Rs 1,000 + applicable taxes

Paytm HDFC Bank Business Credit Card

On-boarding Benefits

Not Applicable

Reward Points

5% cashback every month on spending bill payments and mobile recharge.

Joining Fees

Rs 5000 + applicable taxes

HDFC Bank Diners Club Rewardz Credit Card

On-boarding Benefits

Not Applicable

Reward Points

2 Reward points on every spend of 150

Joining Fees

NIL

HDFC Credit Cards features and benefits

HDFC Bank offers a variety of credit cards to suit the needs of different customers. Here are some of the features and benefits of HDFC credit cards:

Rewards Programs

HDFC credit cards come with rewards programs that allow customers to earn reward points on their transactions. These reward points can be redeemed for various benefits, such as cashback, merchandise, and vouchers.

Welcome Offer

HDFC Bank offers a welcome gift to new credit cardholders in the form of reward points or vouchers.

Cashback

HDFC credit cards also offer cashback on specific categories such as fuel, dining, and shopping.

EMI Options

HDFC credit cards come with an option to convert big-ticket purchases into EMIs, which helps customers manage their finances better.

Travel Benefits

HDFC credit cards offer a range of travel benefits, including airport lounge access, air miles, and travel insurance.

Fuel Surcharge Waiver

HDFC credit cards also come with a fuel surcharge waiver, which allows customers to save on their fuel purchases.

Contactless Payments

HDFC credit cards support contactless payments, which make transactions faster and more convenient.

Discounts and Offers

HDFC Bank partners with various merchants to offer exclusive discounts and offers to its credit card customers.

Zero Liability

HDFC credit cards come with zero liability protection, which means that customers are not liable for any fraudulent transactions made on their card.

Secure Transactions

HDFC credit cards come with advanced security features such as chip and PIN technology, which help protect against fraudulent transactions.

These are just some of the many features and benefits that come with HDFC credit cards. Customers can choose the card that best suits their needs and enjoy the many benefits that come with it.

HDFC Credit Card Eligibility Criteria

HDFC Bank offers a wide range of credit cards to suit your lifestyle and needs. To be eligible for an HDFC Bank credit card, you need to meet certain eligibility criteria. Here are some of the basic eligibility criteria that you should keep in mind:

Age

You should be at least 21 years of age and not more than 60 years of age.

Income

You should have a stable income source, with a minimum income of Rs. 15,000 per month. The income requirement may vary depending on the type of credit card you apply for.

Credit Score

You should have a good credit score, ideally above 750. A good credit score indicates that you have a good credit history and are less likely to default on your payments.

Employment

You should be a salaried individual or a self-employed individual with a regular source of income.

Documents

You should have all the necessary documents required for KYC (Know Your Customer) verification, such as identity proof, address proof, and income proof.

Credit History

Your credit history will also be taken into account when assessing your eligibility for an HDFC Bank credit card. If you have a good credit history, you are more likely to be approved for a credit card.

Keep in mind that these are just basic eligibility criteria, and each credit card may have specific eligibility requirements. Before applying for an HDFC Bank credit card, make sure to check the eligibility criteria for that particular credit card.