Reward Rates:

  • 15%

    Save 15% on dining at partner restaurants.

  • 6.67%

    Earn 10 Reward Points on hdfcinfinia.com, dining, and flight bookings.

  • 3.33%

    Earn 5 Reward Points on regular spend.

Introductry Benefits
Rs. 10000/-
Joining Fee
Rs. 10000/-
Annual Fee
Rs. 10000/-
Annual Rewards
Rs. 10000/-

Airport Lounge Access

Get complimentary Priority Pass international lounge access along with VISA/Mastercard domestic lounge benefits.

Complimentary Golf Games

Get Complimentary Golf Games at leading courses across worldwide.

Reward Rates:

  • 1.00%

    Earn 6 Reward Points on every Rs. 150 spent on AllMiles Website.

  • 0.50%

    Earn 3 Reward Points on every Rs. 150 spent on regular purchases.

Introductry Benefits
Rs. 250/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Bonus Reward Points on Renewal

Earn 1000 Reward Points on 2nd year card renewal and onwards.

Conditional Lifetime Free

Get lifetime free card on subscribing for any cross-shell product within 90 days of card setup.

Reward Rates:

  • 13.33%

    Earn 40 Reward Points on, SmartBuy and Select Partner brands.

  • 01.33%

    Earn 4 Reward Points on every Rs. 150 spent on regular purchases.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 500/-

Discount on Dining

Save upto 15% on dining at premium partner restaurants.

Lost Card Liability Cover

Complimentary lost card liability cover of upto Rs. 9 Lacs.

Reward Rates:

  • 15%

    Save upto Max 15% on dining at premium partner restaurants.

  • 1.5%

    Save 1.5% on Foreign Currency Conversion.

  • 1%

    Save 1% fuel surcharge waiver on fuel transaction, max Rs. 500 a month.

Introductry Benefits
Rs. 300/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Complimentary Priority Pass Memebership

Get 3 Complimentary visits to Priority Pass Lounges with Priority Pass Membership.

Complimentary VISA/Mastercard Lounge Access

Get free 8 complimentary VISA/Mastercard airport lounge access per calendar year.

Reward Rates:

  • 1%

    Save 1% fuel surcharge waiver on fuel transaction, max Rs. 250 a month.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 0.33%

    Save 0.33% on reward points.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 0/-
Annual Fee
Rs. 0/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 0.33%

    Save 0.33% on reward points.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 0/-
Annual Fee
Rs. 0/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 5%

    Save 5% on travel, fuel, utility bill payments and online shopping.

  • 1%

    Save 1% fuel surcharge waiver on fuel transaction, max Rs. 250 a month.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 33.32%

    Save 33.32% on SmartBuy Transactions, Online Partner Brands and International Spendings.

  • 16.66%

    Save 16.66% on Grocery, Travel, Online Shopping and Jewellery purchase.

  • 15%

    Save upto Max 15% on dining at premium partner restaurants.

  • 1.5%

    Save 1.5% on foreign currency mark-up.

  • 1%

    Save 1% fuel surcharge waiver on fuel transaction, max Rs. 1,000 a month.

Introductry Benefits
Rs. 10000/-
Joining Fee
Rs. 10000/-
Annual Fee
Rs. 5000/-
Annual Rewards
Rs. 0/-

Complimentary Diners Club Lounge Access

Get unlimited complimentary access to domestic and international Diners Club airport lounges.

Complimentary Golf Games

Get 6 Complimentary Golf games per quarter at 20 domestic and international golf courses.

Reward Rates:

  • 26.66%

    Save 26.66% on SmartBuy Transactions, Online Partner Brands and International Spendings.

  • 13.33%

    Save 13.33% on Grocery, Travel, Online Shopping and Jewellery purchase.

  • 15%

    Save upto Max 15% on dining at premium partner restaurants.

  • 1.5%

    Save 1.5% on foreign currency mark-up.

  • 1%

    Save 1% fuel surcharge waiver on fuel transaction, max Rs. 500 a month.

Introductry Benefits
Rs. 1250/-
Joining Fee
Rs. 2500/-
Annual Fee
Rs. 2500/-
Annual Rewards
Rs. 0/-

Complimentary Diners Club Lounge Access

Get upto 6 complimentary access to domestic and international Diners Club lounges.

Personal Insurance Cover

Air Accident Cover of Rs. 1 Crore along with Medical Travel cover.

Reward Rates:

  • 15%

    Save upto Max 15% on dining at premium partner restaurants.

  • 6%

    Save 6% on on SmartBuy Transactions, Online Partner Brands and International Spendings.

  • 3%

    Save 3% on Grocery, Travel, Online Shopping and Jewellery purchase.

  • 1%

    Save 1% fuel surcharge waiver on fuel transaction, max Rs. 500 a month.

Introductry Benefits
Rs. 300/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Low Foreign Currency Mark-up

Save 0.50% on Foreign Currency Conversion Mark-up

Reward Rates:

  • 2.5%

    Earn 25 Reward Points on birthday spends.

  • 1%

    Earn 10 Reward Points on PayZapp and SmartBUY transactions, and fuel spend.

  • 0.50%

    Earn 5 Reward Points on Movies / Dining / Groceries / Railways & Taxis.

Introductry Benefits
Rs. 75/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Renewal Bonus Points

500 Bonus Points on renewal.

Reward Rates:

  • 1%

    Save 1% fuel surcharge waiver on fuel transaction, max Rs. 250 a month.

Introductry Benefits
Rs. 100/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Renewal Bonus Points

500 Bonus Points on renewal.

Reward Rates:

  • 1%

    Save 1% on fuel surcharge.

  • 0.20%

    Earn 3 Reward Points on dining.

  • 0.13%

    Earn 2 Reward Points on other spend.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 0.13%

    Earn 2 Reward Points on other spend.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 399/-
Annual Fee
Rs. 399/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 15%

    Save Max 15% discount on dining at premium partner restaurants.

  • 1.5%

    Save 2% of the transaction amount in INR.

  • 1%

    Save 1% fuel surcharge waiver on fuel transaction, max Rs. 500 a month.

Introductry Benefits
Rs. 16.66/-
Joining Fee
Rs. 2500/-
Annual Fee
Rs. 2500/-
Annual Rewards
Rs. 0/-

Complimentary Priority Pass Memebership

6 Complimentary visits to Priority Pass Lounges with Priority Pass Membership worth US$99.

Complimentary VISA/Mastercard Lounge Access

Get free 12 complimentary VISA/Mastercard airport lounge access per calendar year.

Reward Rates:

  • 1%

    Save 1% on Fuel Surcharge.

  • 0.75%

    Earn 1.5X Rewards Points on Dining

  • 0.50%

    Earn 3 Reward Points on regular spend.

Introductry Benefits
Rs. 250/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Fee Waiver

Conditional Joining and Annual Fee Waiver

1000 Bonus Reward Points

Earn Bonus Reward Points on Joining as well as Renewal.

Reward Rates:

  • 5%

    Save 5% on Snapdeal Purchases.

  • 3.33%

    Earn 20 Points on each Snapdeal purchase.

  • 1%

    Save 1% on Fuel Surcharge.

Introductry Benefits
Rs. 125/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Annual Fee Waiver

Get conditional annual fee waiver.

10% off on Snapdeal.com

Save 10% on Snapdeal in first month.

Reward Rates:

  • 25%

    Save 25% on Movie tickets.

  • 20%

    Save 20% discount on dining at partner restaurants.

  • 1%

    Save 1% on fuel surcharge

Introductry Benefits
Rs. 1000/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Annual Fee Waiver

Get annual fee waiver on spending Rs. 2.5 Lacs annually.

Reward Rates:

  • 25%

    Save 25% on Movie tickets.

  • 15%

    Save 15% discount on dining at partner restaurants.

  • 1%

    Save 1% on fuel surcharge

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Annual Fee Waiver

Get annual fee waiver on spending Rs. 1.5 Lacs annually.

Reward Rates:

  • 1%

    Save 1% on Fuel Surcharge.

  • 0.53%

    Earn 4 Reward Points on Air Travel, Travel, Hotel Bookings, Dining and Online purchase.

  • 0.26%

    Earn 2 Reward Points on other purchase.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 0/-
Annual Fee
Rs. 0/-
Annual Rewards
Rs. 0/-

Airport Lounge Access

Get Complimentary access to VISA / Mastercard domestic lounges.

Top Picks


Best For Card Name
Fuel No particular card for fuel.
Travel HDFC Bank Diners Club Black Credit Card
Family HDFC Freedom Credit Card
Premium HDFC Bank Infinia Credit Card
Frequent Spenders No particular card for frequent spenders.

Best HDFC Bank Lifestyle Card: HDFC Bank Infinia Credit Card


Benefits

HDFC Infinia Credit Card is the leading premium card offered by HDFC Bank. It offers you exclusive premium benefits such as tee off golf games, access to premium international lounges as well as domestic lounges, low foreign currency markup, insurance cover on international travel, incremental rewards points with high reward value following dining discounts.

Against an annual fee of Rs. 10,000, you get 10,000 bonus points worth Rs. 10,000 alone at the start of the card membership year.

Drawbacks

HDFC Bank offers the card By-Invitation only to a very few individuals, especially to high net-worth individuals whose earning 6 figures monthly salary and have a very high credit score.

Bottom Line

Though the card is exclusive in terms of premium benefits, reward value and low interest rate, and return it’s value even if you’re not using the premium benefits at all; However, the very high eligibility criteria makes it inaccessible to most credit card users.

Best HDFC Bank Cards for Family: HDFC Bank Freedom Credit Card


Benefits

HDFC Freedom is a reward card which comes with an annual fee of Rs. 500 and in return you get reward benefit of worth Rs. 75. However, you can get your annual fee waived off just by spending Rs. 5000 each month. In case your spend Rs. 7,500 or above each month, you will get additional benefit of gift voucher worth Rs. 1,000.

It gives reward value of Rs. 0.75 on Movies / Dining / Groceries / Railways & Taxis expenses and Rs. 1.5 value on PayZapp and SmartBUY transactions. Moreover, you earn reward value of Rs. 3.75 on all of your birthday related expenses.

Drawbacks

Though, the Freedom card is pretty good on reward benefits against a small annual fee of only Rs. 500. However, the incremental reward benefits are limited to an extent. The maximum reward benefits that can be earned against birthday related expense, is limited to Rs. 450 in a statement month. Similarly, the maximum reward benefits for other categories is limited to Rs. 225 only.

Bottom Line

The incremental reward points of 5X to 10X on dining, groceries, movies and railways/taxis, makes it the best contender for Family Card. Although, it has a limited reward value, but it still delivers reward benefits of more than what you have to pay for it. However, the applicable APR of 3.49% per month is something that you should consider before applying for the card.

Best HDFC Bank Cards for Travel: HDFC Bank Diners Club Black Credit Card


Benefits

HDFC Diners Club Black Credit Card is a travel credit card with exclusive benefits, making it an elite travel card the bank has to offer. On Diners Club Black Card, you get the highest reward value of up to 50 reward points on every Rs. 150 spend, especially on international and travel related transactions.

The benefits follows further with low currency markup, complimentary golf games, savings on dining, insurance covers for international travel as well as air accident, and unlimited free access to Diners Club lounges worldwide with low interest rate of 1.99% per month only.

Apart from these benefits, the card is able to return its value with bonus reward points offered at the start of card membership year alone.

Drawbacks

Though the card seems very high on benefits including high reward rate, the income criteria to own a Diners Club Black Card is very high with Rs. 1.75 Lacs per month for salaried and Rs. 21 Lacs per annum for self-employed.

Bottom Line

If you are a frequent travel, then HDFC Diners Club Black card is a best choice in the market including all the benefits and reward value. However, you must satisfy the income norms which are comparatively very high.

The standable competitor for it is Axis Bank Vistara Infinite Card, which gives you one way Business Class ticket on joining as well as renewal and 6 CV Points for each Rs. 200 spend; However, the Diners Club Black card is still ahead with tremendous reward value as compared to Axis Vistara Infinite Card which offers benefits limited to only regular Club Vistara user.

View Other HDFC Bank Credit Cards


HDFC Diners Club Rewardz Card

HDFC Diners Club Rewardz Card comes with an annual fee of Rs. 1,000 which you can get back easily by spending Rs. 10,000 only on the card. Apart from that, the card gives reward benefits of up to 30 Reward Points, especially against international, travel and online partners related expenses.

You get reward points worth Rs. 300 at the start of membership year along with 15% savings on dining and 0.50% savings on foreign currency markup. Click here for more details.

HDFC Diners Club Premium Card

You can own Diners Club Premium Card by paying an annual fee of Rs. 2500, which can be easily waived off by spending Rs. 25,000 monthly on the card. Moreover, you get bonus reward points worth Rs. 1250 at the start of the membership year.

The benefits continue to follow up with upto 40 incremental reward points, complimentary access to Diners Club international and domestic lounges, low foreign conversion markup of only 2%, and air accident and medical cover. You can check all the benefits and eligibility criteria here.

HDFC Diners ClubMiles Card

The Diners ClubMiles offers bonus reward points worth Rs. 500 in exchange of annual fee of Rs. 1,000. However, you can easily get your annual fee back by spending just Rs. 8,500 monthly on the card.

The card stands to be a straight competitor of its own brother card, HDFC Diners Club Rewardz Card, since it offers upto 40 incremental reward points along with savings on dining, complimentary airport lounge access, and 1% saving on foreign currency markup charges. More to that, you also get air accident cover and international travel protection plan, which is not available on Diners Club Rewardz Card.

HDFC Business Corporate Regalia Card

HDFC Business Corporate Regalia Credit Card comes with zero annual fee charges; However, you must have a corporate relationship with HDFC Bank.

You get complimentary access to international premium lounges as well as domestic lounges. Moreover, you save 1% on foreign currency markup and air accident cover along with medical cover during international travel. Though, the reward program is not that effective unless you travel mostly Club Vistara flights since it comes with Club Vistara Silver Membership.

HDFC Business Corporate MoneyBack Card

The Business Corporate MoneyBack by HDFC Bank is best suitable for corporates who travels frequently. It comes with zero annual charges and offers incremental reward value of Rs. 0.80 on online, dining and travel related expenses. Apart from the incremental reward benefit on travel, you also get complimentary domestic airport lounge access.

HDFC Corporate Premium Card

HDFC Corporate Premium Card also comes with zero annual fee and is best suitable for corporates who travels frequently. You can earn a maximum reward points worth Rs. 3000 in a statement month, giving a maximum annual reward value of Rs. 36,000 if redeemed on hdfcbankcorporatecards.com against Corporate travel. Moreover, you get free access to premium lounges with complimentary Priority Pass Membership as well as domestic lounge access. You also save 1% on foreign currency markup as well as get air accident cover and travel cover during international travel.

The applicable APR is 2.95% per month, lowest as compared to all other corporate cards offered by HDFC Bank. This card is most beneficial if you are corporate traveller since you can easily redeem reward points against leading airlines and hotels partnered with HDFC Bank including British Airways Executive Club, Jet Airways, Krisflyer, Trident Hotels and Club Vistara.

HDFC Corporate World Mastercard

The Corporate World Mastercard is also a corporate travel card offered by HDFC Bank; However, the card is pretty average in terms of reward value since there’s no additional benefit on travel expenses. The only travel related benefits you get on the card, is free access to international premium lounges with complimentary Priority Pass and complimentary access to domestic airport lounges. And, air accident and travel cover during international travel.

HDFC Corporate VISA Signature Card

The Corporate VISA Signature Credit Card by HDFC Bank is similar to HDFC Corporate World Mastercard. This card only makes sense if you prefer VISA privileges over Mastercard, otherwise it’s no different than that.

HDFC Corporate Platinum Card

The Corporate Platinum Card by HDFC Bank comes with zero annual fee and is best suitable for corporates traveller. The card offers a maximum reward points worth Rs. 1,800 in a statement month, giving a maximum annual reward value of Rs. 21,600 if you redeem the points on hdfcbankcorporatecards.com against Corporate travel bookings at partner airlines. Additionally, you get free access to premium lounges with complimentary Priority Pass Membership as well as domestic lounge access. You also save 1% on foreign currency markup as well as get air accident cover and travel cover during international travel.

The applicable APR is 2.95% per month, lowest as compared to all other corporate cards offered by HDFC Bank. Since HDFC have partnered with leading airlines across the world including Jet Airways, Emirates, British Airways, American Airlines and Air India, it is easier to go places using this card.

HDFC Business MoneyBack Card

The Business MoneyBack Card is one of the three business cards by HDFC Bank which offers rewards as well as cashback benefits to Business Individuals. The card comes with Rs. 500 annual charges which can be waived off by spending Rs. 4,200 per month on the card. Moreover, if you spend Rs. 15,000 a month or more on the card, you get the additional benefit of reward points worth Rs. 500 at the end of card membership year.

The card offers 10X incremental reward program under which you can earn a maximum reward value of Rs. 500 in a statement month with partner brands and up to Rs. 5,000 reward value on SmartBUY transactions.

Apart from that, you also get 2X incremental reward benefits on Air / Travel / Hotel / Restaurant and online transactions as well as maximum cashback benefit of Rs. 250 in a statement month against transactions related to Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi Bookings.

HDFC Business Regalia First Card

The Business Regalia First Card is the second business card by HDFC Bank which offers both the benefits, rewards as well as cashback. The card comes with an annual fee of Rs. 1,000 which can easily waived off on spending Rs. 8,400 or above per month. Additionally, you can earn reward benefit of up to Rs. 2,250 if your each month’s spending is as high as Rs. 50,000.

The card is good on reward benefits, giving value of maximum Rs. 1,500 on select merchants and maximum Rs. 7,500 on SmartBUY, under 10X program.

As for the cashback benefits, you can earn a maximum cashback of Rs. 500 on select travel categories, which isn’t hard if you travel a lot due to business purposes. Moreover, you get access to premium international lounges as well as domestic lounges along with international travel cover with 1% saving on currency conversion markup.

HDFC Business Regalia Card

The Business Regalia Card is an exclusive business credit card HDFC has to offer. It comes with an annual fee of Rs. 2,500 which can be waived off if you spend Rs. 25,000 or more per month. Moreover, you can earn additional reward benefits of up to Rs. 7,500 if your each month spending is as high as Rs. 66,700. The card becomes more fruitful if you are a regular club vistara traveller since it comes with complimentary Club Vistara Silver Membership.

The card offers reward value of Rs. 20 on each eligible transaction against select merchants. Apart from that, you can additionally earn cashback benefit of Rs. 500 per month if your monthly spending on select categories is Rs. 20,000 or above.

Aside from the above benefits and cashback, you get access to premium international lounges as well as domestic lounges along with international travel cover with 1% saving on currency conversion markup.

HDFC Solitaire Card

HDFC Solitaire Card is a specific credit card offered by HDFC Bank for female credit card users. The card comes with an annual fee of Rs. 1,000 which can be earned back in the form of Rs. 1,000 shopping voucher if you spend Rs. 76,000 or more within each 6 months period.

You can also earn 50% more reward value on Dining and Grocery expenses. Moreover, you can redeem your reward points against JPMiles and KrisFlyer Miles.

HDFC Bharat CashBack Card

As known from its name, HDFC Bharat CashBack Card is a cash back credit card that comes with an annual fee of Rs. 500, which can be waived off on spending Rs. 1700 each month on the card.

The card offers a maximum cashback value of Rs. 150 each month against Railway booking, Fuel Spend, Bill Pay and Recharges combined. Moreover, it also gives a maximum cashback value of Rs. 150 per month on EasyEMI, PayZapp and SmartBUY transactions combined.

HDFC Bharat Card

Bharat Card is another cashback card HDFC has to offer. It comes with Rs. 500 annual fee, but doesn’t have any welcome bonus benefit in return. However, you can earn back your annual fee by spending Rs. 1700 a month on the card.

The only difference between Bharat Card and Bharat Cashback card is that you also earn cashback against your grocery expenses on Bharat Credit Card. The maximum cashback value of Rs. 150 can be earned each month against expenses on Railway booking, Fuel Spend, Grocery Bill Pay and Recharges combined. Similarly, you can earn a maximum cashback of Rs. 150 on EasyEMI, PayZapp and SmartBUY transactions combined.

HDFC MoneyBack Card

HDFC MoneyBack Credit Card is a reward card which comes with Rs. 500 annual charges and offers reward benefits worth Rs. 100 on joining as well as renewal. As for the reward benefits, the card offers reward value of Rs. 0.80 on online expenses and Rs. 0.40 on others.

The card seems to be beneficial only if you are spending Rs. 50,000 in a calendar quarter and you’ll get a gift voucher worth Rs. 500 in return. Otherwise, you would be losing Rs. 400 every year.

HDFC Bank Credit Card Eligibility


Eligibility Criteria
Age 21 to 60 Years
For Salaried
21 to 65 Years
For Self-Employed
Minimum 18 Years
For Add-on Cardholder
  • The minimum age of an applicant should not be less than 21 years.
  • The maximum age of a salaried applicant should not be more than 60 years and must not be more than 65 years for self-employed applicants.
  • The minimum age of an add-on cardholder should not be less than 18 years.

HDFC Bank Credit Card Documentation


For Salaried:

  • Salary Slip / Certificates
  • Last 6 months’ Bank Account Statement
  • KYC Documents
  • Form 16 / ITR

For Self-Employed:

  • Business Proof
  • Business Account and P&L Account Statement
  • Income Tax Returns
  • KYC Documents

HDFC Bank Credit Card Bill Payment


HDFC Bank offers various methods to its credit cardholders to pay their credit card bills on time. Here are the different ways to pay hdfc bank credit card bills online as well as Offline.

Paying HDFC Bank Credit Card Bill Online using HDFC Bank Netbanking Services.

  • Click here to go to HDFC Bank Netbanking Services.
  • Select “Credit Card Payment” Option
  • Choose Credit Card Payment Type
  • Select an Account and Card Type
  • Select Any One Payment Option
  • Verify The Details You Have Entered

Paying HDFC Bank Credit Card Bill Online using Billdesk.

  • Click here to go the HDFC Bank Credit Card Payment Billdesk page.
  • Select the Bank from which You Want to Pay the Amount
  • Login to Your Selected Bank’s Net Banking Account and Enter Payment Details.
  • Click on “Submit” Button
  • Message of Confirmation

Paying HDFC Bank Credit Card Bill Online using National Electronic Funds Transfer (NEFT).

  • Login to Your NetBanking Account and Go to “Funds Transfer” Section
  • Add your HDFC Credit Card as a beneficiary in NEFT.
  • Go to “Funds Transfer” Tab
  • Select The Required Details
  • Click on “Continue” button
  • Click on “Confirm” button

Paying HDFC Bank Credit Card Bill Online using VISA Card Pay.

  • Go to “Payments/Transfer” Option
  • Add your HDFC VISA Credit Card as Beneficiary
  • Add Beneficiary Details
  • Approve Beneficiary
  • Select an Option Through Which You Want to Approve Beneficiary.
  • Enter OTP You Received on Registered Mobile Number.
  • Fill in the Details for Funds Transfer and click on “Confirm” button.

Paying HDFC Bank Credit Card Bill Online using Autopay.

  • Login to Your HDFC NetBanking Account and go to “Requests” section.
  • Select “Autopay Register” Option and enter card details.
  • Verify the card details
  • Receive confirmation.

Paying HDFC Bank Credit Card Bill Online using BHIM UPI App.

  • Register Yourself and Set BHIM HDFC Pay Login Account. Click here to download HDFC BHIM Pay and install it on your device.
  • Register Yourself and Set BHIM HDFC Pay Login Account.
  • Create VPA and set UPI Pin
  • Transact Using Virtual Address and click on Pay by VPA.
  • Enter Account Number and IFSC Code, and click on Confirm.
  • Receive the confirmation message.

HDFC Credit Card Payment Through ATM Funds Transfer

  • Walk in to The Nearest HDFC Bank ATM.
  • Select Language of Your Preference and Enter HDFC Credit Card PIN.
  • Select Type of Payment and Credit Card
  • Enter Your HDFC Credit Card Number
  • Enter The Amount You Want to Pay

HDFC Credit Card Payment Over Cash Counter at HDFC Branch

  • Walk in to The Nearest Branch of HDFC Bank along with a pay slip.
  • Enter your credit card number in the place of account number and fill the other details.
  • Sign the slip and submit Filled Up Pay-in Slip to the Cashier.

Click here to know more about how to pay your hdfc bank credit card bills.

HDFC Bank Credit Cards – Fees & Charges


Type of Charges Finance Charges Cash Advance Fee Annual fee
HDFC Regalia Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 2,500
HDFC Regalia First Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 2,500
JetPrivilege HDFC Diners Club Card 1.99% per month 2.5% of the cash amount
Min Rs. 500
Rs. 1,000
JetPrivilege HDFC Signature / World Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 2,500
JetPrivilege HDFC Platinum Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 1,000
JetPrivilege HDFC Select / Titanium Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
HDFC Platinum Times Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 1,000
HDFC Titanium Times Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
Snapdeal HDFC Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
HDFC Doctors Superia Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 1,000
HDFC Teachers Platinum Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
HDFC Superia Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
HDFC AllMiles Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 1,000
HDFC Platinum Edge Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
HDFC Titanium Edge Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
N/A
HDFC MoneyBack Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
HDFC Freedom Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
HDFC Solitaire Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 1,000
HDFC VISA Signature Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
N/A
HDFC World Mastercard 3.49% per month 2.5% of the cash amount
Min Rs. 500
N/A
HDFC Platinum Plus Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
N/A
HDFC Diners Club Black Card 1.99% per month 2.5% of the cash amount
Min Rs. 500
5,000
HDFC Diners ClubMiles Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
1,000
HDFC Diners Club Premium Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
2,500
HDFC Diners Club Rewardz Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
1,000
HDFC Infinia Card 1.99% per month Nil 10,000
HDFC Business Regalia Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
2,500
HDFC Business Regalia First Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
1,000
HDFC Business MoneyBack Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
500
HDFC Corporate Platinum Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Nil
HDFC Corporate VISA Signature Card 3.25% per month 2.5% of the cash amount
Min Rs. 500
Nil
HDFC Corporate World Mastercard 3.25% per month 2.5% of the cash amount
Min Rs. 500
Nil
HDFC Corporate Premium Card 2.95% per month 2.5% of the cash amount
Min Rs. 500
Nil
HDFC Business Corporate MoneyBack Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Nil
HDFC Business Corporate Regalia Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Nil
HDFC Bharat CashBack Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
HDFC Bharat Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
N/A
HDFC Business Bharat Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500
HDFC Business Freedom Card 3.49% per month 2.5% of the cash amount
Min Rs. 500
Rs. 500

HDFC Bank Credit Cards – Other Charges


Type of Charges Applicable Amount
Foreign transaction fee 1.99% of the transaction amount in Indian Rupee
For Infinia, Diners Black
3.50% of the transaction amount in Indian Rupee
For Other HDFC Bank Credit Cards
Late Fee Zero if due amount is less than Rs. 100
Rs. 100 if due amount is between Rs. 100 to Rs. 500.
Rs. 400 if due amount is between Rs. 501 to Rs. 5,000.
Rs. 500 if due amount is between Rs. 5,001 to Rs. 10,000.
Rs. 750 if due amount is above Rs. 10,000.
No Late Payment Charges applicable on HDFC Infinia Credit Card.
Minimum Payment 5% of the outstanding amount or min Rs. 200.
Over-limit fee 2.5% of the overlimit amount or Min Rs. 500.
No Over-limit Charges applicable on HDFC Infinia Credit Card.
Returned payment fee 2% of the payment amount or Min Rs. 450.
EMI Conversion Charges 1% of the conversion amount.
Min Rs. 250.
Balance Transfer Charges 1% of the balance transfer amount.
Min Rs. 250.

How To Apply for HDFC Bank Credit Card?


  • Select an HDFC Bank Credit Card as per your preferences from above.
  • Click on “Get Started” and fill the Online Application Form. You'll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Once the application form is submitted successfully, you will receive a confirmation from HDFC Bank.

Note: If your application was rejected, you would be able to apply after 3 months of your previous application.

FAQs


How do I Contact Number for HDFC Customer Care?

To contact hdfc customer care, dial +91-2261-6061-61 from your registered phone number from anywhere in India, available 24/7 (Toll-free) including Sundays and Bank Holidays.

Infinia Credit Cardholder can contact to Infinia Customer Care at their 24/7 toll-free number 1800-102-3310 or Non-toll number 022-2856-1443

And 1800–425–4332, applicable for BSNL / MTNL Landline customer
Applicable for the following cities – Agra, Ajmer, Allahabad, Bareilly, Bhubaneshwar, Bokaro, Cuttack, Dhanbad, Dehradun, Erode, Guwahati, Hisar, Jammu and Srinagar, Jamshedpur, Jhansi, Jodhpur, Karnal, Kanpur, Madurai, Mangalore, Mathura, Meerut, Moradabad, Muzaffarpur, Mysore, Pali, Patiala, Patna, Rajkot, Ranchi, Rourkela, Salem, Shimla, Siliguri, Silvassa, Surat, Trichy, Udaipur and Varanasi.

Call Center Contact Number City
079-66004332 Ahmedabad
080-662243322 Bangalore
0172-4694332 Chandigarh
044-66004332 Chennai
0484-4084332 Cochin
0422-4384332 Coimbatore
011-41514332 Delhi
040-66624332 Hyderabad
0731-4074332 Indore
0141-4004332 Jaipur
033-22104332 Kolkata
0522-4004332 Lucknow
022-28564332 Mumbai
020-66034332 Pune
97255-04332 Rest of Gujarat
99957-64332 Rest of Kerala
99086-64332 Rest of Andhra Pradesh
97525-04332 Rest of Madhya Pradesh
9561- 94332 Rest of Maharashtra

What is the Customer Care Email Address of HDFC Bank?

You can contact hdfc bank customer care through Email at [email protected].

What are the international number of HDFC Credit Card Customer Care?

Here are the contact numbers for HDFC Customer care in some foreign countries.

Contact Number Country
800-800-77444 Australia, Austria, Belgium, Canada, Denmark, France, Germany, Hong Kong, Italy, Japan, Malaysia, Netherlands, New Zealand, Norway, Portugal, South Africa, South Korea, Spain, Sweden, Switzerland, Thailand and United Kingdom
800-049-80 Bahrain
800-2229-90 Croatia
800-090-155 Czech Republic
80016122061284 Greece
80093312 Monaco
8001124694 Poland
8008142094 Saudi Arabia
8001013301 Singapore
8000185252 United Arab Emirates
18445796441 United States

Note: Not available from mobile phones for the following countries – Belgium, Canada, Greece, Italy, Monaco, Spain, and Sweden.

Airtime might be applied if you’re calling from a mobile phone.

What are the functionalities of HDFC Mobile Banking App?

You can do the following things using the mobile banking app -

  • Checking summary and information of your HDFC Credit Card Account.
  • Checking unbilled transactions on your Credit Card.
  • Making credit card bill payments
  • Updating contact number and other contact information.
  • You can also register your new HDFC Credit Card using the app.
  • Easily change your Credit Card ATM Pin
  • Activating and deactivating auto pay service on your credit card
  • Fund transfers
  • Applying for a Cheque Book
  • Making utility bill payments
  • Managing beneficiaries
  • Managing Mutual Funds, Fixed Deposit and Recurring Deposit on a single click.

How to register for Email Statement to receive Credit Card Monthly Statement on my Email Address?

Through HDFC NetBanking:

  • Checking summary and information of your HDFC Credit Card Account.
  • Checking unbilled transactions on your Credit Card.
  • Making credit card bill payments
  • Updating contact number and other contact information.
  • You can also register your new HDFC Credit Card using the app.
  • Easily change your Credit Card ATM Pin
  • Activating and deactivating auto pay service on your credit card
  • Fund transfers
  • Applying for a Cheque Book
  • Making utility bill payments
  • Managing beneficiaries
  • Managing Mutual Funds, Fixed Deposit and Recurring Deposit on a single click.

At the nearest HDFC Branch:

  • Download the E-age Form here and get a print of it.
  • Fill the Form and Submit to your nearest HDFC Branch.

Through Customer Care:

  • Call on HDFC Credit Card Customer Care at their toll-free number +91-2261-6061-61.
  • Once you have connected to a customer support person, request them to register your account for Email Statements.

Would I still receive physical monthly statement of my HDFC Credit Card spending after registering to Email Statement?

No. Physical Monthly Statement will be discontinued by HDFC Bank if you have registered for Credit Card Email Statement.

How to update my HDFC Credit Card Netbanking Password?

Here is how you can update your Credit Card Password Online.

Through HDFC NetBanking Website in case you don’t have an HDFC Bank Account.

  • Go the Credit Card Login page of hdfc bank and click on Forgot your password?
  • You’ll be directed to Reset Password Page
  • Enter the required details alongside the New Password that you want to use. Now, confirm the Password and click on Submit.

Through One Time Password (OTP)

  • Go to HDFC Netbanking Login page and enter your Customer ID and click on Continue.
  • You’ll be directed to the next page where you’ll see the option for Forgot IPIN Password. Click on the Forgot IPIN Password option.
  • Now, enter your Customer ID again and click on Go.
  • Check if your registered mobile number is correct and select it. Now click on Continue. You’ll receive an OTP (One Time Password) on your registered mobile number.
  • Now enter the OTP received on your registered mobile number correctly and click on Continue.
  • You’ll see the Debit/Credit Card number linked to your Customer ID. Choose the card and you’ll be directed to a page where you can reset your Netbanking IPIN.
  • Enter the details related to the selected card along with a New Password for IPIN.
  • Re-type the password to confirm the new IPIN and click on Continue.

A Message will be displayed on your screen confirming that the Netbanking Password has been reset successfully.

How to check HDFC Credit Card Application Status?

Through HDFC Online Portal:

  • Click here to go to the HDFC Track Your Credit Card page.
  • Enter the 16 Digit Application Reference Number in the textbox. You can also track your HDFC Credit Card application status by entering Application Form Number or by simply entering your Date of Birth.
  • Now enter your Mobile Number that you have provided in the credit card application.
  • Click on Submit

Through HDFC Digital Application Platform:

  • Click here to go to the Digital Application Platform offered by HDFC Bank.
  • Enter your Mobile Number that you provided in the credit card application.
  • Now click on Send Verification Code link.
  • You’ll receive a verification code on your mobile number. Enter the verification code into the textbox.
  • Click on Submit

Click here to know more about how to check hdfc credit card application status.

What are the charges applicable on Cash Advance transaction made on HDFC Credit Card?

A 2.5% Advance Charges or Minimum Rs. 500 would be applicable on the withdrawn cash amount and billed to the customer in the next monthly statement cycle, applicable on all HDFC Credit Cards except HDFC Infinia Credit Card from the date of transaction until the payment is made in full.

Additionally, the finance charge would also be applicable on the transact amount, as mentioned below.

HDFC Credit Card Applicable Finance Charges
JetPrivilege HDFC Bank Diners Club, Diners Black, Infinia 1.99% per month (23.88% annually)
HDFC Secured Card (issued against Fixed Deposit) 1.99% per month (23.88% annually)
Other HDFC Cards 3.49% per month (41.88% annually)

Other HDFC Cards include following HDFC Credit Cards – Regalia, Regalia First, Diners ClubMiles, Diners Club Premium, Diners Club Rewardz, JetPrivilege HDFC Bank VISA Signature / World MasterCard, JetPrivilege HDFC Bank Platinum, JetPrivilege HDFC Bank Select / Titanium, Platinum Times Card, Titanium Times Card, Snapdeal HDFC Bank, Maruti Suzuki NEXA HDFC Bank AllMiles Credit Card, Doctors Superia, Teachers Platinum, Superia, AllMiles, Platinum Edge, Titanium Edge, MoneyBack, Bharat CashBack Card, Bharat Card, Freedom Card, Solitaire, Platinum Plus, VISA Signature, World MasterCard, Business Regalia, Business Regalia First, Business MoneyBack, Business Bharat Card, Business Freedom Card, Business Platinum, Business Gold, Corporate Platinum, Corporate Visa Signature, Corporate World MasterCard, Corporate Card, Business Corporate MoneyBack and Business Corporate Regalia.
Note: In case of default, an interest rate of 3.50% per month (42% annually) will be applicable after the due date.

What is the applicable Interest Free Period on hdfc credit cards?

Interest Free Period on HDFC Credit Cards ranges from 20 to 50 Days from the date of transaction.

Cardholder will not be eligible for Interest Free Period is he/she haven’t paid all the previous dues in full or have withdrawal Cash from ATM.

On What transactions do I have pay the finance charges?

The finance charges are applicable on each and every transaction you made on the card including purchasing goods, paying bills, cash withdrawal or carry forward the outstanding balance to the next month.

How much default charges do I have to pay on my late payments for credit card?

HDFC Bank charges default charges as mentioned below.

Default Charges Balanced Amount
Rs. 100 Rs. 100 to upto Rs. 500
Rs. 400 Rs. 501 to upto Rs. 5,000
Rs. 500 Rs. 5,001 to upto Rs. 10,000
Rs. 700 Rs. 10,000 or Above

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