How to Apply for HDFC Credit Card – Step-by-Step Guide
Want to enjoy smart rewards, cashback, and premium benefits on your everyday spends? If you’re wondering how to get HDFC credit card or how to apply credit card in HDFC bank, this guide is for you. An HDFC credit card could be your perfect financial companion. From dining discounts to travel perks, HDFC offers a wide range of credit cards tailored to different lifestyles and needs.
In this article, you’ll discover:
- Top features of HDFC credit cards
- Who can apply
- And a step-by-step guide to help you apply quickly and easily—whether online or offline.
Let’s explore how you can make the most of your purchases with an HDFC Bank credit card.
How to Apply for HDFC Credit Card Online
Follow these straightforward steps to apply HDFC credit card online:
- Visit the official HDFC Bank website.
- Navigate to the ‘Pay’ tab and select ‘Credit Cards’.
- Click the ‘Apply Now’ button beside your preferred credit card.
- Fill in your personal, professional, and income details carefully.
- Review all information and submit the application.
- Wait for a call from the bank for verification of your details.
- Upon successful verification, your credit card will be issued and dispatched.
How to Apply for HDFC Credit Cards Offline
If you prefer applying in person, follow these steps:
- Visit the nearest HDFC Bank branch.
- Request the credit card application form from the bank official.
- Choose the credit card that best fits your needs.
- Fill out the application form with accurate personal and income information.
- Attach a recent photograph and sign the form.
- Submit the completed application form to the bank representative.
Key Benefits and Features of HDFC Credit Cards
An HDFC credit card brings numerous advantages, making your transactions easier and more rewarding:
- Personalized offers and discounts tailored to your spending patterns.
- Zero liability protection against fraudulent transactions.
- Low transaction fees for bill payments and purchases.
- Easy management with detailed monthly statements.
- Flexible ‘Buy Now, Pay Later’ EMI options for large expenses.
- Cashback, reward points, and discounts on everyday spending.
- Exclusive perks like fuel surcharge waivers and airport lounge access.
- Instant personal loans against your credit card for emergency needs.
- Automated bill payments for utilities, mobile recharge, and more.
Eligibility Criteria for HDFC Credit Card
To qualify for an HDFC credit card, you must meet the following:
- Be at least 18 years old.
- Maintain a good credit history and credit score.
- Be an Indian resident or a Non-Resident Indian (NRI).
- Be either salaried or self-employed.
Whether you’re searching how to get HDFC credit card or wondering about eligibility—this section clears it all.
Documents Required for HDFC Credit Card Application
Prepare these documents before applying:
For Existing HDFC Account Holders:
- Latest salary slips or Income Tax Returns (ITR) of the last 3 years.
For New Applicants:
- Identity proof: Aadhaar card, Voter ID, Driving License, or Passport.
- Address proof: Utility bills, rent agreement, or passport.
- Income proof: Salary slips, Form 16, or ITR for the last 3 years.
Important Tips Before Applying for an HDFC Credit Card
Before you apply for an HDFC credit card, keep these points in mind to choose the right card and avoid problems:
- Know Your Spending Habits: Think about where you spend the most money — like shopping, travel, or fuel. Pick a card that gives you good rewards for your main expenses.
- Check Rewards and Cashback: Different HDFC cards offer different rewards. Choose one that gives you cashback or points on things you buy often.
- Look at Fees and Charges: Some cards have joining fees or annual charges. Make sure the fees are reasonable and fit your budget.
- Explore Extra Benefits: Many cards come with perks like free airport lounge access, movie ticket discounts, or insurance. See what suits you best.
- Pick the Right Credit Limit: Choose a credit limit that matches your spending. Keeping your card usage under 30% helps keep your credit score healthy.
- Confirm Eligibility: Make sure you meet the age, income, and other requirements before applying. This increases your chances of approval.
- Check Customer Support: Good customer service is important. Pick a card that offers 24/7 support so you can get help whenever you need it.
Fees and Charges for HDFC Bank Credit Cards
Below are the annual fees for various HDFC Bank credit card variants:
| Credit Card Variant | Annual Fee (INR) |
|---|---|
| HDFC Regalia Credit Card | ₹2,500 |
| HDFC Regalia First Credit Card | ₹1,000 |
| HDFC Diners Club Black Credit Card | ₹10,000 |
| HDFC Diners Club Miles Card | ₹1,000 |
| HDFC Platinum Times Card | ₹1,000 |
| HDFC Freedom Credit Card | ₹500 |
| HDFC Titanium Times Card | ₹500 |
| HDFC MoneyBack Credit Card | ₹500 |
| InterMiles HDFC Platinum Credit Card | ₹1,000 |
Additional Charges on HDFC Credit Cards
| Charge Type | Fees/Charges Details |
|---|---|
| Joining Fees | Varies depending on the card variant |
| Late Payment Charges | ₹0 to ₹1,300 depending on outstanding balance |
| Finance Charges | Up to 3.75% per month (approx. 45% per year) |
| Balance Transfer Fees | ₹250 or 1% of the amount transferred |
| Over-limit Fee | Minimum ₹550 or 2.5% of the over-limit amount |
| Cash Advance Fee | ₹100 |
| Card Reissue Fee | ₹100 |
| Payment Return Fee | Minimum ₹450 or 2% of the payment amount |
HDFC Credit Card: Dos and Don’ts
Dos:
- Understand Your Bill Cycle: Know your credit card’s bill generation date to make the most of the interest-free period, which can be up to 45 days from the date of purchase.
- Check and Use Rewards: As soon as you get your card, explore the available rewards and offers. Using these benefits wisely can help you save on your spending.
- Plan Your Payments: Have a clear repayment plan for your credit card bills to avoid late payments and maintain a good credit score.
Don’ts:
- Avoid Suspicious Websites: Don’t use your credit card on websites that seem untrustworthy or insecure to protect your card details from fraud.
- Limit Unnecessary Spending: Use your card wisely and avoid making impulsive or high-value purchases you can’t repay on time.
- Never Miss Payment Deadlines: Late or missed payments can hurt your credit score and lead to penalty charges, so always pay your bills on or before the due date.
Frequently Asked Questions (FAQs)
Q: How can I increase the limit of my HDFC credit card?
A: You can increase your HDFC credit card limit easily through the HDFC Netbanking portal or mobile banking app. Alternatively, visit your nearest HDFC Bank branch and request a limit increase from the representatives.
Q: What is the minimum salary required to apply for an HDFC credit card?
A: Generally, you need to earn at least Rs. 18,000 per month to be eligible. However, this minimum income requirement may vary depending on the specific credit card you choose.
Q: Can I track my HDFC credit card application status online?
A: Yes, you can check the status of your credit card application online by visiting the official HDFC website or by calling their customer care number.
Q: Are HDFC Bank credit card statements available online?
A: Absolutely! You can access your credit card statements anytime through the Netbanking portal by logging in and navigating to the credit cards section.
Q: Is it possible to transfer my existing credit card balance to an HDFC credit card?
A: Yes, balance transfer is possible for selected customers via NEFT or Demand Draft. Make sure to confirm your eligibility before proceeding with the transfer.
Q: What are the benefits of paying my HDFC credit card bill online?
A: Paying online saves you time as you can do it from home. The payment process is faster, and usually, no extra charges apply when you pay via Internet banking.
Q: Can I own two HDFC credit cards at the same time?
A: Yes, owning two HDFC credit cards is allowed. It offers benefits like emergency credit availability, additional rewards, reduced fraud risks, and can even boost your credit score.
Q: Can I take a loan against my HDFC credit card?
A: Yes, HDFC Bank provides instant loan approval against your credit card. This is a good option for urgent financial needs, but do check your eligibility before applying.
Q: Do I need to pay the annual fee if I don’t use my credit card?
A: Some cards have an annual fee regardless of usage, but many HDFC credit cards do not charge any annual fees. Check your card terms to be sure.
Q: Can existing HDFC credit cardholders apply for an add-on card?
A: Yes, primary cardholders can apply for add-on cards for family members like spouses, children, or parents. Add-on cards carry similar benefits as the primary card.
Q: How can I make payments for my HDFC credit card bills?
A: You have multiple options including Netbanking, mobile banking app, ATM fund transfer, cash, cheque, or payment from a non-HDFC bank account.
Q: Why might my HDFC credit card application be rejected?
A: Common reasons include low credit score, insufficient income, past credit defaults, age criteria not met, or applying for multiple cards simultaneously.
Q: How can I monitor my credit card usage?
A: You can track your spending via the HDFC mobile banking app, Netbanking portal, or by using budgeting tools and spreadsheets to avoid overspending.
Q: Is it possible to get an HDFC credit card without traditional income proof?
A: Yes, if you don’t have salary slips, submitting bank account statements can help you get approved without hassle.
Q: What is the interest rate on HDFC credit cards?
A: Interest rates typically range between 1.99% to 3.6% per month, depending on your card type and usage.
Learn how to improve your credit score to increase your chances of credit card approval.
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The information provided on this site is not a substitute for professional financial, legal, or other advice. Before making financial decisions or using any product/service, we encourage you to read the relevant documents or terms and conditions carefully. If you want guidance regarding your personal situation you should speak to a qualified advisor.If you find any errors, please contact us.
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By Vikas Saini | Updated on: May 30, 2025 | 12:40:31 PM
