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HDFC Credit Cards

HDFC Infinia Credit Card Metal Edition offers numerous benefits like unlimited airport lounge access for primary as well as add-on cardholders, welcome and renewal benefits of 12500 reward points each, Club Mariot membership for 1 year, attractive reward points, fuel surcharge waiver, and so on. HDFC Infinia card is truly a gateway to premium lifestyle that is enriched with exclusive benefits.

Features & Benefits of HDFC Credit Card

Features 

Some common features you can enjoy after applying for HDFC Bank Credit Card online.

  • Annual fees and renewal fees will vary for each cardholder depending on the card held and will be informed at the time of applying for the card.
  • Credit-free period up to 50 days is available. If the cardholder opts for revolving payment, then an interest as low as 1.9% p.m. will be applied on the balance carried forward.
  • Cash withdrawal charges at 2.5% of the amount withdrawn with a minimum of Rs. 500 will be collected.
  • Limit on the Credit Card will be fixed by HDFC bank based on several criteria and the limit has to be shared among the Add On members as well. The same will be informed to the cardholder at the time of delivering the card.
  • If the card is used beyond the limit, 2.5% of the over limit will be charged for all cards except Infinia.
  • A late fee ranging from Rs. 100 to Rs. 750 is applied per statement cycle for the card dues not paid in accordance to the due date.

Benefits

The Benefit of HDFC Credit Cards are a lot, however, the most popular cards among each segment of users because of the following reasons:

  • Instant approval on applying for HDFC credit card online.
  • It can be automatically set to pay recurring bills like phone, electricity, and water bills.
  • It has the best 'buy now and pay later' option. You also get a grace period up to 50 days from the date of purchase. During the grace period, interest will not be charged on the outstanding amount.
  • You will earn reward points for every purchase with the card which can be redeemed for exciting gifts and vouchers.
  • The Applicant can easily apply for HDFC Jumbo Instant Loan.
  • With selected offline and online merchants, HDFC offers a host of cash back and discounts.
  • The Credit Card statement gives an item wise list of expenditures made on the Credit Card, which helps you keep track of your expenses.

How to Apply for an HDFC Credit Card Online?

  • Click on the ‘Apply Now’
  • Compare various HDFC Credit Card offers to find the best one for you.
  • Submit an online application form for the card that you have chosen along with some personal details and HDFC Credit Card Document.

If you fulfill the HDFC Credit Card Eligibility, the card will be issued to you after it is approved.

Eligibility to Apply for a HDFC Credit Card?

The HDFC Bank has set the following eligibility criteria for availing its Credit Card facility:

  • The applicant can either be salaried or self-employed.
  • Applicant should be in the age group between 21 years to 60 years if salaried or between 21 years to 65 years if self-employed.
  • Should have a stable income.
  • Applicant should submit income proof, address proof, business proof, and Photo ID.
  • Credit score should be above 750.

Fee & Charges of HDFC Credit Card

  • Here is a list of service charges associated with your HDFC Credit Card. However, the fees and charges may vary because of different HDFC Credit Card types. You can call HDFC Credit Card Customer Care for complete details. 

    Type of Charges Charges Details
    Interest Free Period Up to 50 days
    Interest Rate 3.49% per month
    Additional Card Fee Free
    Cash advance fees 2.5% of the amount
    Cash processing fee Rs. 100
    Reward redemption fee Rs. 99 per request
    Foreign currency transactions Charges 3.50%
    Balance transfer charges 1% of the amount or minimum Rs. 250
    Reissuance fee Rs. 100
    Payment return Fee 2%
    Cash advance limit 40% of the credit limit
    Overlimit Charges 2.50% of the overlimit amount
    Card Replacement Charge Rs. 100

Documents Required for HDFC Credit Card

For Salaried employees

  • 2 photographs of the applicant in passport size.
  • ITR records from the last two years.
  • Proof of identity such as the applicant's Passport/ PAN Card/ Voter ID/ Driving License
  • Proof of Residential Address such as Registered Rent Agreement/ Leave and License/ Utility Bill of at least three months/ Passport.
  • Proof of Income such as last six months' salary slip, Form 16 of two years, Bank statement of previous six months (that reflects salary is credited or EMI is debited).

For Self-Employed

  • 2 photographs of the applicant in passport size.
  • Proof of identity such as the applicant's Passport/ PAN Card/ Voter ID/ Driving License.
  • Proof of Residential Address such as Registered Rent Agreement/ Leave and License/ Utility Bill of at least three months/ Passport.
  • Proof of Business like GST/ Service Tax Registration/ company's incorporation details/ Address proof of the business/ accounts and balance sheets showing profit and loss statements which have been certified by a CA/ the proof of the business' existence/ a copy of the partnership deed and business profile.

How to Pay HDFC Credit Card Bill Online

You can make HDFC Credit Card payments using different options: 

  • Netbanking: Use HDFC Net Banking service for your credit card number as the beneficiary account number to transfer funds.
  • Mobile Banking: Download the HDFC mobile banking app and make payments from your smartphone.
  • Cheque: Drop a cheque at any HDFC collection centre at least 10 days before the due date.
  • Cash: Make a cash payment towards the loan at your nearest HDFC branch. 

How to use HDFC Credit Card (Tips & Advice)

To make the best HDFC Credit card use, here are some simple tips: 

  • Pay the full outstanding amount on or before your due date.
  • Avoid using your HDFC Card to make cash withdrawals unless it is an emergency.
  • Do not use the full available credit each month as it reflects poorly on your CIBIL report.
  • Do not make minimum payments as it is the easiest way to get entangled in credit card debts.
  • Use your credit card only when required. Or make sure you keep track of the payments made using your card.
  • Never disclose your credit card details to anyone over email, SMS, or phone calls.

Balance Transfer: How to use the BT feature and what are the Benefits?

  • With HDFC Balance Transfer on EMI facility provided by HDFC Bank, you can easily transfer your other bank’s credit card balance to HDFC at attractive rate of interest. You can opt for low EMIs without any hassle of documentation. It is a quick and easy method to clear your outstanding card amount, through a BT to your Credit Card. Pay EMIs as low as Rs. 27 per Rs. 10,000 and repay in easy instalments of 9 to 48 months.

    You can check your eligibility for this facility by logging into HDFC Net Banking & Click Cards → Credit Cards → Transact → Balance Transfer On EMI. You can also call HDFC’s PhoneBanking round the clock.

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