How to Apply HDFC Credit Card 2023

How to Apply HDFC Credit Card -Benefits of HDFC Credit Card

HDFC Credit Card information ?

HDFC Bank is a leading private sector bank in India, and it offers a variety of credit cards with different features and benefits. Here are some general details about HDFC credit cards.

Types of Cards: HDFC Bank offers a wide range of credit cards, including lifestyle cards, travel cards, fuel cards, cashback cards, premium cards, and co-branded cards with various merchants.

Features and Benefits: Each HDFC credit card comes with its own set of features and benefits, such as reward points, cashback, discounts, lounge access, insurance, and more.

Eligibility: The eligibility criteria for HDFC credit cards vary based on the type of card you are applying for, but generally, you should have a good credit score, a stable income, and meet other criteria as specified by the bank.

How to Apply: You can apply for an HDFC credit card online through the bank’s website or mobile app, or you can visit a branch in person to apply.

Fees and Charges: HDFC credit cards come with various fees and charges, such as annual fees, late payment fees, cash withdrawal fees, and more. Make sure to read the terms and conditions carefully before applying for a card.

HDFC credit cards offer a range of benefits and features, making them a popular choice among consumers in India. However, it’s important to choose a card that best fits your needs and usage patterns, and to use it responsibly to avoid accumulating debt.

Benefits of HDFC Credit Card

Reward Points: HDFC credit cards come with reward points that you can earn on every transaction. You can redeem these points for a variety of rewards, such as merchandise, travel, vouchers, and more.

Cashback: Many HDFC credit cards offer cashback on specific categories, such as fuel, dining, shopping, or travel. You can earn a certain percentage of cashback on every transaction in these categories.

Discounts: HDFC credit cards may offer discounts on various products or services, such as movie tickets, flights, hotels, shopping, or dining. You can avail of these discounts by using your card to make the payment.

Lounge Access: Some premium HDFC credit cards offer complimentary access to airport lounges in India and abroad. You can relax in the lounge, enjoy refreshments, and use other facilities while waiting for your flight.

Insurance: Many HDFC credit cards come with complimentary insurance coverages, such as travel insurance, air accident insurance, purchase protection insurance, and more.

EMI Facility: HDFC credit cards allow you to convert your big purchases into easy monthly instalments (EMIs) at a low interest rate. This can help you manage your expenses and budget better.

Contactless Payment: HDFC credit cards come with a contactless payment feature that allows you to make quick and secure payments by simply tapping your card at the payment terminal.

HDFC credit cards offer a range of benefits that can help you save money, earn rewards, and enjoy various perks. However, it’s important to choose a card that best fits your needs and usage patterns, and to use it responsibly to avoid accumulating debt.

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Types of HDFC Credit Cards ?

Lifestyle Cards: These cards are designed for individuals who enjoy shopping, dining, and entertainment. They offer rewards, cashback, discounts, and other benefits on various lifestyle expenses.

Travel Cards: These cards are ideal for frequent travelers, as they offer rewards, air miles, hotel discounts, lounge access, and other travel-related benefits.

Premium Cards: These cards are designed for high-income individuals who seek exclusive privileges and luxury experiences. They offer premium rewards, personalized services, concierge services, and more.

Co-branded Cards: These cards are offered in partnership with other companies or brands, such as airlines, hotels, retail stores, or fuel stations. They offer rewards, discounts, and other benefits on purchases made with the co-branded partner.

Cashback Cards: These cards offer cashback on various categories, such as fuel, dining, groceries, or utility bills. You can earn a certain percentage of cashback on every transaction in these categories.

Business Cards: These cards are designed for business owners or entrepreneurs, and offer features such as expense management tools, business-related rewards, and more.

Women’s Cards: These cards are designed for women, and offer rewards, cashback, discounts, and other benefits on various women-centric expenses, such as shopping, beauty, wellness, and more.

How to apply for HDFC Credit Card ?

You can apply for an HDFC credit card online through the bank’s website or mobile app, or you can visit a branch in person to apply. Here are the steps to apply for an HDFC credit card online:

Visit the HDFC Bank website or download the HDFC Bank Mobile App on your smartphone.

Select the ‘Credit Card‘ section from the menu.

Choose the type of credit card you want to apply for and click on the ‘Apply Now’ button.

Fill in your personal and contact details, such as your name, date of birth, mobile number, email ID, and address.

Provide your employment details, such as your occupation, income, and employer name.

Choose the credit limit you want and provide the required documents, such as your PAN card, identity proof, address proof, and income proof.

Review the application form and submit it Online. You will receive a confirmation message or Email regarding your application, along with a reference number.

Wait for the bank to process your application and check your eligibility for the credit card.

If approved, the bank will send the credit card to your registered address within a few days.

Alternatively, you can also visit an HDFC Bank branch near you and apply for a credit card in person. You will need to carry the required documents and fill in the application form at the branch. An HDFC Bank representative will guide you through the process and assist you with any queries or concerns.

HDFC Credit Card Fees and Charges ?

HDFC Bank offers a wide range of credit cards with different fees and charges, which may vary based on the specific card you choose. However, here are some common fees and charges associated with HDFC credit cards:

Joining Fee: This is a one-time fee that you have to pay when you apply for a new credit card. The joining fee can range from zero to a few thousand rupees, depending on the card you choose.

Annual Fee: This is a yearly fee that you have to pay to keep your credit card active. The annual fee can range from zero to a few thousand rupees, depending on the card you choose. Some HDFC credit cards waive off the annual fee if you spend a certain amount on the card in a year.

Interest Rate: This is the rate at which you will be charged interest on any outstanding balance on your credit card. HDFC Bank’s interest rate ranges from 1.99% to 3.5% per month, depending on the card you choose and your credit score.

Late Payment Fee: This is a fee that you have to pay if you miss the due date for your credit card payment. HDFC Bank’s late payment fee ranges from Rs.100 to Rs.1,300, depending on the outstanding balance.

Overlimit Fee: This is a fee that you have to pay if you exceed your credit limit on the card. HDFC Bank’s overlimit fee ranges from Rs.500 to Rs.1,000, depending on the card you choose.

Cash Withdrawal Fee: This is a fee that you have to pay if you withdraw cash using your credit card. HDFC Bank’s cash withdrawal fee ranges from 2.5% to 3% of the withdrawn amount, with a minimum fee of Rs.500 to Rs.600.

Foreign Currency Markup Fee: This is a fee that you have to pay if you make transactions in a foreign currency using your credit card. HDFC Bank’s foreign currency markup fee ranges from 2% to 3.5% of the transaction amount.

Best HDFC Credit Cards for Travel ?

HDFC Regalia Credit Card: This card offers travel benefits such as complimentary airport lounge access, travel insurance, and air accident insurance. It also provides reward points on travel and other purchases, which can be redeemed for flight tickets, hotel bookings, and other travel-related expenses.

HDFC Diners Club Black Credit Card: This premium card offers exclusive travel benefits such as unlimited airport lounge access, travel insurance, and air accident insurance. It also provides reward points on travel and other purchases, which can be redeemed for flight tickets, hotel bookings, and other travel-related expenses.

HDFC Infinia Credit Card: This is a premium credit card that offers a range of travel benefits, including airport lounge access, travel insurance, and air accident insurance. It also provides reward points on travel and other purchases, which can be redeemed for flight tickets, hotel bookings, and other travel-related expenses.

HDFC JetPrivilege Diners Club Credit Card: This card is ideal for frequent flyers of Jet Airways, offering exclusive travel benefits such as airport lounge access, priority check-in, and excess baggage allowance. It also provides reward points on Jet Airways bookings and other purchases, which can be redeemed for flight tickets and other travel-related expenses.

HDFC Regalia First Credit Card: This card offers travel benefits such as airport lounge access, travel insurance, and air accident insurance. It also provides reward points on travel and other purchases, which can be redeemed for flight tickets, hotel bookings, and other travel-related expenses.

HDFC Credit Card Rewards Program ?

HDFC Bank offers a rewards program for its credit cardholders called HDFC Bank Rewards Program. Under this program, cardholders can earn reward points for every transaction they make using their credit cards. These reward points can then be redeemed for a variety of products, services, and experiences.

Earning Reward Points: Cardholders can earn reward points on every transaction they make using their credit card. The number of points earned per transaction depends on the type of card and the transaction amount. For example, some cards offer higher reward points for travel-related transactions, while others offer higher reward points for shopping or dining.

Redemption of Reward Points: Cardholders can redeem their reward points for a variety of products, services, and experiences. These include flight tickets, hotel bookings, merchandise, gift vouchers, and more. The redemption value of each reward point varies depending on the product or service chosen.

Accelerated Rewards: Some HDFC credit cards offer accelerated reward points on specific categories such as travel, dining, shopping, and more. This means that cardholders can earn more reward points for transactions made in these categories.

Bonus Rewards: HDFC Bank also offers bonus reward points to its credit cardholders for achieving certain milestones. For example, some cards offer bonus reward points for reaching a certain spending threshold in a month or a year.

Reward Points Expiry: It’s important to note that reward points earned on HDFC credit cards have an expiry date. The expiry period varies depending on the type of card and the reward points earned. Cardholders should make sure to redeem their points before they expire to get the maximum value.

HDFC Bank Rewards Program is a great way for credit cardholders to earn and redeem reward points for a variety of products, services, and experiences. Cardholders should make sure to understand the reward points earning and redemption structure of their specific card to get the maximum value.

HDFC Credit Card Bill Payment ?

Net Banking: HDFC Bank’s net banking portal allows you to make credit card payments online. Simply log in to your account, select the credit card you want to pay, and enter the amount you want to pay. You can then choose to make the payment using your HDFC Bank account or any other bank account.

Mobile Banking App: HDFC Bank’s mobile banking app allows you to make credit card payments using your smartphone. Simply log in to the app, select the credit card you want to pay, and enter the amount you want to pay. You can then choose to make the payment using your HDFC Bank account or any other bank account.

Autopay: HDFC Bank’s Autopay facility allows you to set up automatic payments for your credit card bills. You can choose to pay the minimum amount due, the total amount due, or a fixed amount every month. The payment will be deducted from your bank account on the due date, ensuring that you never miss a payment.

Bill Desk: HDFC Bank has partnered with Bill Desk to offer a convenient bill payment service. You can make credit card payments using Bill Desk by visiting their website, entering your credit card details and the amount you want to pay, and making the payment using your bank account or debit card.

ATM: You can also make credit card payments at HDFC Bank ATMs using your debit card. Simply insert your card, select the “Credit Card Payment” option, enter your credit card details and the amount you want to pay, and make the payment.

Common Mistakes to Avoid with HDFC Credit Card ?

Not paying the bill on time: Late payment of HDFC credit card bills can result in high late payment fees and interest charges. Make sure to pay your credit card bills on time to avoid these charges.

Making only the minimum payment: Making only the minimum payment on your HDFC credit card bill can lead to a large outstanding balance and high interest charges. Always try to pay the full outstanding balance to avoid interest charges.

Using your credit card for cash advances: Cash advances using HDFC credit card can attract high interest rates and transaction fees. It’s better to avoid using your credit card for cash advances and instead use other modes of payment like debit cards.

Ignoring credit card statements: Make sure to regularly check your HDFC credit card statements for any unauthorized transactions or errors. Ignoring your credit card statements can lead to missed payments or fraudulent transactions.

Overspending: It’s important to keep your spending within your credit limit to avoid over-limit fees and high interest charges. Overspending on your HDFC credit card can lead to a large outstanding balance and a negative impact on your credit score.

Not redeeming rewards points: HDFC credit card rewards points have an expiry date, and if you don’t redeem them before the expiry date, you will lose them. Make sure to redeem your rewards points before they expire to get maximum benefits.

Sharing your credit card details: Never share your HDFC credit card details with anyone, including family members or friends. Sharing your credit card details can lead to unauthorized transactions and fraud.

FAQ ?

How can I check my HDFC credit card balance?

You can check your HDFC credit card balance by logging in to your HDFC net banking account, using the HDFC mobile banking app, or by calling HDFC customer care.

What is the credit limit on HDFC credit cards?

The credit limit on HDFC credit cards varies depending on the type of card and the applicant’s creditworthiness. HDFC Bank will determine the credit limit based on your income, credit score, and other factors.

What is the interest rate on HDFC credit cards?

The interest rate on HDFC credit cards varies depending on the type of card and the outstanding balance. The interest rate typically ranges from 1.99% to 3.5% per month.

Can I convert my HDFC credit card purchases into EMIs?

Yes, HDFC Bank offers the option to convert credit card purchases into EMIs. You can convert purchases above a certain amount into EMIs by logging in to your HDFC net banking account or contacting HDFC customer care.

Can I use my HDFC credit card internationally?

Yes, HDFC credit cards can be used internationally, provided they are enabled for international transactions. You can also activate your credit card for international use by logging in to your HDFC net banking account or contacting HDFC customer care.

How can I apply for an HDFC credit card?

You can apply for an HDFC credit card online through the HDFC Bank website or by visiting an HDFC Bank branch. You will need to provide your personal and financial details and submit the required documents.

What are the fees and charges associated with HDFC credit cards?

The fees and charges associated with HDFC credit cards vary depending on the type of card and the usage. Some common fees include annual fees, late payment fees, over-limit fees, and cash advance fees. You can check the fees and charges on the HDFC Bank website or by contacting HDFC customer care.