HDFC Bank Credit Cards
HDFC Bank, established in 1994, is a prominent Indian banking and financial services company headquartered in Mumbai. It has grown to become India's largest private sector bank by assets and the world's sixth-largest by market capitalization as of January 2024. HDFC Bank offers a wide array of financial products, including an extensive range of credit cards known for their rewards and benefits. The credit cards from HDFC are designed to cater to various customer needs, offering features like cashback, reward points, discounts on dining, and complimentary lounge access. HDFC's credit card portfolio is diverse, with options for individuals from different income brackets and lifestyles, making them a worthy consideration for anyone looking to manage their finances effectively or seeking to leverage the advantages of credit cards.
Welcome Benefit: 30,000 EDGE REWARD Points on doing 3 transactions within 30 days from the card issuance date.
Fees and Charges
Interest Rate: 3.6% per month (52.86% per annum).
Interest Rate
Axis Bank Miles And More World Credit Card
Reward System: Get 2 miles on spending INR 100 on all spends excluding EMI, wallet recharge, cash withdrawal, etc. These miles can't be converted into cash directly but can be used to book flights with partner airline companies. Value of 1 mile will depend on the flight being booked by you. You can also use miles for booking hotels, rent cars, and shopping at select partner stores.
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Welcome Benefit: Get 15,000 bonus miles on card activation. Priority pass membership.
Fees and Charges
3.40% per month (49.96% per annum).
Interest Rate
Welcome Benefit: 100%cashback up to INR 300 on first utility bill payment within first 30 days of card issuance.
Fees and Charges
3.6% p.m. (52. 86% p.a.)
Interest Rate
Welcome Benefits: Get 12,500 reward points redeemable against shopping or travel vouchers worth INR 5,000 on payment of joining fee and undertaking 3 transactions within 60 days of card issuance.
Fees and Charges
3.40% per month (49.36% per annum).
Interest Rate
The welcome benefits associated with the Axis Bank Vistara Infinite Credit Card include a complimentary business class flight ticket and Club Vistara Gold Membership as a welcome gift.
Fees and Charges
Interest Rate: 3.40% per month (49.36% per annum).
Interest Rate
Axis Bank Miles And More World Select Credit Card
Reward System: Get 3 miles on spending INR 100 on all spends excluding EMI, wallet recharge, cash withdrawal, etc. These miles can't be converted into cash directly but can be used to book flights with partner airline companies. Value of 1 mile will depend on the flight being booked by you. You can also use miles for booking hotels, rent cars, and shopping at select partner stores.
Welcome Benefit: Get 15,000 bonus miles on card activation. Priority pass membership.
Fees and Charges
3.40% per month (49.96% per annum).
Interest Rate
Welcome Benefit: Customers can choose any voucher worth INR 12,500 from options like Luxe gift card, The Postcard Hotels gift voucher, or Yatra gift voucher.
Fees and Charges
3 % per month (42.58% per annum).
Interest Rate
Welcome Benefits: Get Amazon gift voucher worth Rs. 250. Zomato Voucher worth Rs. 200. Blinkit voucher worth Rs. 250. Pharmeasy 6 months subscription on 1st spend with your Axis Bank Neo Credit Card within 30 days of issuance.
Fees and Charges
3.4% Per Month (49.36% Per Annum).
Interest Rate
SpiceJet Axis Bank Voyage Credit Card
Value of 1 SpiceClub point = INR 1.
Get 18 SpiceClub Points (12 SpiceClub points as a Spice Club member and 6 Spice Club points on a card spent on every INR 200 spent on the Spice Jet app. (Cashback Rate: 9%)
6 SpiceClub Points for every INR 200 spent on an Online Food order. (Cashback Rate: 3%)
3 SpiceClub Points for every INR 200 spent on all other domestic retail & international transactions(excl fuel, wallet, EMI transaction)
Effective Cashback Rate: 1.5%
SpiceJet voucher worth Rs. 1500 on 2 transactions within 30 days of card.
SpiceClub Silver membership
Fees and Charges
3.6% per month (52.86% per annum)
Interest Rate
Axis Bank Rewards Credit Card
Reward System: Get 2 Edge reward points on spend of INR 125. Value of 1 reward point = 0.20. General cashback rate = 0.32%.Get 20 reward points on spending INR 125 on apparel and departmental stores. Apparel and departmental stores cashback rate: 3.2% (subject to a cap of 1008 points per month).
Welcome Benefits: Get 5,000 reward points on net spends of INR 1,000 or more.
Fees and Charges
Interest Rate: 3.6% per month (52.86% per annum).
Interest Rate
Flipkart Axis Bank SuperElite Credit Card
Reward System: 16 super coins for every INR 100 spent on Flipkart for flipkart plus members. Value of 1 supercoin is INR 0.91. Nonflipkart plus members will get 6 super coins for every INR 100 spent. Effective cashback rate: 5.46%. Users will get 2 supercoins on all other spends, effective cashback rate is 1%.
Welcome Benefits: 500 SuperCoins on Card Activation. 2 months trial membership of YouTube Premium. 3-month trial subscription of Gaana Plus. 1 Year Membership of Lenskart Gold. Extra Rs. 500 off on Myntra select styles. 15% off on Domestic Flight booking via Flipkart Flights* (* - Maximum discount of up to INR 1,500).
Fees and Charges
Interest Rate: 3.6% per month (52.86% per annum).
Interest Rate
Low joining fee
No fuel surcharge
No physical credit card
HDFC Bank
NA
3.75 monthly, 45% annually
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
Up to 50 days
3.50%
Interest Rate
Cashback Rate
HDFC Bank UPI RuPay Biz Credit Card
MyRupaya Ratings
Low joining fee
No fuel surcharge
No physical credit card
Type
Cashback Credit Card
Interest Rate
3.75 monthly, 45% annually
Cashback Rate
0.75
Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy. The value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month).
HDFC Bank
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
3.6% per month i.e. 43.2% annually
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
Bank charges Cross Currency mark-up fees of 3.5% on the transaction value
Interest Rate
Cashback Rate
HDFC Bank MoneyBack Plus RuPay Credit Card
MyRupaya Ratings
Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy. The value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month).
Type
Lifestyle Credit Card
Interest Rate
3.6% per month i.e. 43.2% annually
Cashback Rate
2.5
Provided various travelling insurance like- Air accident insurance cover worth Rs 2 crore Travel Insurance Cover of up to INR 55,000 on baggage delay
HDFC Bank
1% fuel surcharge waiver at all fuel stations across India. (on minimum transaction of ₹400, Waiver capped at ₹1000 every billing cycle.)
3.60% p.m. 43.20% p.a.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
IFM- 3%
Interest Rate
Cashback Rate
Intermiles HDFC Bank Diners Club Credit Card
MyRupaya Ratings
Provided various travelling insurance like- Air accident insurance cover worth Rs 2 crore Travel Insurance Cover of up to INR 55,000 on baggage delay
Type
Lifestyle Credit Card
Interest Rate
3.60% p.m. 43.20% p.a.
Cashback Rate
0.16
Customers can earn up to 50 Litres of free fuel annually.
Users can link their RuPay credit card directly to their UPI app and can earn 1 Fuel Point for every Rs. 150 spent on UPI transactions.
HDFC Bank
1% fuel surcharge waiver at all fuel stations across India (on minimum trasaction of ₹400. Max CashBack of ₹250 per statement cycle)
3.6% per month i.e. 43.2% annually.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
Bank charges cross currency mark-up of 3.5%
Interest Rate
Cashback Rate
IndianOil HDFC Bank RuPay Credit Card
MyRupaya Ratings
Customers can earn up to 50 Litres of free fuel annually.
Users can link their RuPay credit card directly to their UPI app and can earn 1 Fuel Point for every Rs. 150 spent on UPI transactions.
Type
Fuel Credit Card
Interest Rate
3.6% per month i.e. 43.2% annually.
Cashback Rate
5
Users can get up to 25% savings off on all your restaurant bill payments via Swiggy Dineout.
HDFC Bank
1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle).
3.6% per month (i.e., 43.2% per annum)
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
3.5%
Interest Rate
Cashback Rate
HDFC Pixel Go Credit Card
MyRupaya Ratings
Users can get up to 25% savings off on all your restaurant bill payments via Swiggy Dineout.
Type
Cashback Credit Card
Interest Rate
3.6% per month (i.e., 43.2% per annum)
Cashback Rate
1
None
HDFC Bank
1%. However. that is waived on fuel transactions. (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle).
3.75% per month i.e 45% annually
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 days
2%
Interest Rate
Cashback Rate
Tata Neu Plus HDFC Bank Credit Card
MyRupaya Ratings
None
Type
Rewards Credit Card
Interest Rate
3.75% per month i.e 45% annually
Cashback Rate
1
None
HDFC Bank
1%, However, it is waived off on a minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle.
3.6% per month (43.2% annually)
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
2.5%
Interest Rate
Cashback Rate
6E Rewards Indigo HDFC Bank Credit Card
MyRupaya Ratings
None
Type
Travel Credit Card
Interest Rate
3.6% per month (43.2% annually)
Cashback Rate
2
1 free night award and 10 elite night credits on the first spend transaction.
HDFC Bank
N/A
3.6% per month (i.e., 43.2% per annum)
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
2.5%
Interest Rate
Cashback Rate
Marriott Bonvoy HDFC Bank Credit Card
MyRupaya Ratings
1 free night award and 10 elite night credits on the first spend transaction.
Type
Lifestyle Credit Card
Interest Rate
3.6% per month (i.e., 43.2% per annum)
Cashback Rate
2
10X cash points on selected business spend.
Fuel surcharge waiver.
Dining benefits.
HDFC Bank
Fuel surcharge is 1% at all fuel stations across India only for a minimum transaction of ₹400 and a maximum transaction of ₹5000. The maximum cashback per statement cycle is INR250.
3.75% monthly, and 45.0% annually.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
Up to 55 days
3.50%
Interest Rate
Cashback Rate
HDFC Bank Biz Grow Credit Card
MyRupaya Ratings
10X cash points on selected business spend.
Fuel surcharge waiver.
Dining benefits.
Type
Business Credit Card
Interest Rate
3.75% monthly, and 45.0% annually.
Cashback Rate
0.33
Low interest rate.
No reward redemption fee.
Low International Forex markup.
No fuel surcharge.
HDFC Bank
NA
1.99% monthly, 23.88% annually.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
Up to 55 days
2%
Interest Rate
Cashback Rate
HDFC Biz Black Metal Edition Credit Card
MyRupaya Ratings
Low interest rate.
No reward redemption fee.
Low International Forex markup.
No fuel surcharge.
Type
Business Credit Card
Interest Rate
1.99% monthly, 23.88% annually.
Cashback Rate
3.33
None
HDFC Bank
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
3.60% p.m. 43.20% p.a.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
IFM- 3.5%
Interest Rate
Cashback Rate
HDFC Bank Freedom Credit Card
MyRupaya Ratings
None
Type
Shopping Credit Card
Interest Rate
3.60% p.m. 43.20% p.a.
Cashback Rate
0.15
Low interest rate.
No reward redemption fee.
Low International Forex markup.
No fuel surcharge.
HDFC Bank
NA
1.99% monthly, 23.88% annually.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
Up to 55 days
2%
Interest Rate
Cashback Rate
HDFC Bank Biz Power Visa Credit Card
MyRupaya Ratings
Low interest rate.
No reward redemption fee.
Low International Forex markup.
No fuel surcharge.
Type
Business Credit Card
Interest Rate
1.99% monthly, 23.88% annually.
Cashback Rate
Low joining fee
HDFC Bank
1%
3.75% monthly, 45.0% annually.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
Up to 50 days
3.50%
Interest Rate
Cashback Rate
CSC Small Business MoneyBack Credit Card
MyRupaya Ratings
Low joining fee
Type
Business Credit Card
Interest Rate
3.75% monthly, 45.0% annually.
Cashback Rate
0.53
Reward System: 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato (Max cashback INR 1000 per month). 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions (Max cashback INR 1000 per month).
HDFC Bank
1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)
3.6% per month (or 43.2% per annum)
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
3.5%.
Interest Rate
Cashback Rate
HDFC Millennia Credit Card
MyRupaya Ratings
Reward System: 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato (Max cashback INR 1000 per month). 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions (Max cashback INR 1000 per month).
Type
Lifestyle Credit Card
Interest Rate
3.6% per month (or 43.2% per annum)
Cashback Rate
5
Every quarter, get a gift voucher worth Rs. 500 on spends of Rs 50,000.
Earn up to Rs. 2,000 worth gift vouchers in a year.
HDFC Bank
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
3.6% per month (43.2% per annum)
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
3.5%
Interest Rate
Cashback Rate
HDFC Moneyback Credit Card
MyRupaya Ratings
Every quarter, get a gift voucher worth Rs. 500 on spends of Rs 50,000.
Earn up to Rs. 2,000 worth gift vouchers in a year.
Type
Lifestyle Credit Card
Interest Rate
3.6% per month (43.2% per annum)
Cashback Rate
0.8
None
HDFC Bank
1% Fuel Surcharge waived off on fuel transactions ( Minimum transaction of INR 400, Maximum Cashback of INR 500 per statement cycle).
3.60% p.m. 43.20% p.a.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
IFM- 3.5%
Interest Rate
Cashback Rate
HDFC All Miles Credit Card
MyRupaya Ratings
None
Type
Travel Credit Card
Interest Rate
3.60% p.m. 43.20% p.a.
Cashback Rate
0.8
Free access to over 600 global airport lounges with complimentary Priority Pass membership.
HDFC Bank
1% Fuel Surcharge waiver on fuel transactions. However, it is waived off on (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle).
Interest Rate: 3.60% p.m. 43.20% p.a.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
IFM- Upto 3.5%
Interest Rate
Cashback Rate
HDFC Bank World Mastercard Credit Card
MyRupaya Ratings
Free access to over 600 global airport lounges with complimentary Priority Pass membership.
Type
Travel Credit Card
Interest Rate
Interest Rate: 3.60% p.m. 43.20% p.a.
Cashback Rate
0.4
Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK by spending 1.5 lakhs within the first 90 days or upon first year fee realization on the credit card.
HDFC Bank
1%, waived off for transactions above INR 400. Max cashback INR 1000 per month.
3.49% per month (41.88% per annum)
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
Up to 2%.
Interest Rate
Cashback Rate
HDFC Diners Club Black Credit Card
MyRupaya Ratings
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Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK by spending 1.5 lakhs within the first 90 days or upon first year fee realization on the credit card.
Type
Lifestyle Credit Card
Interest Rate
3.49% per month (41.88% per annum)
Cashback Rate
3.33
Airport lounge benefits.
HDFC Bank
1% fuel surcharge waiver at all fuel stations across India. (on minimum transaction of ₹400, Waiver capped at ₹250 every billing cycle.)
3.60% p.m. 43.20% p.a.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
3.5%
Interest Rate
Cashback Rate
Intermiles HDFC Bank Platinum Credit Card
MyRupaya Ratings
Airport lounge benefits.
Type
Travel Credit Card
Interest Rate
3.60% p.m. 43.20% p.a.
Cashback Rate
2.66
Zomato Gold membership.
Travel benefits.
Dining benefits.
HDFC Bank
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
3.60% p.m. 43.20% p.a.
Credit Card Cycle
Forex Rate
Cashback Rate
Credit Card Issuer
Fuel Surchage
30 Days
IFM- 2%
Interest Rate
Cashback Rate
HDFC Bank Business Regalia First Credit Card
MyRupaya Ratings
Zomato Gold membership.
Travel benefits.
Dining benefits.
Type
Lifestyle Credit Card
Interest Rate
3.60% p.m. 43.20% p.a.
Cashback Rate
5
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HDFC Bank MoneyBack Plus RuPay Credit Card
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Intermiles HDFC Bank Diners Club Credit Card
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IndianOil HDFC Bank RuPay Credit Card
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HDFC Pixel Go Credit Card
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Tata Neu Plus HDFC Bank Credit Card
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6E Rewards Indigo HDFC Bank Credit Card
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Marriott Bonvoy HDFC Bank Credit Card
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HDFC Bank Biz Grow Credit Card
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HDFC Biz Black Metal Edition Credit Card
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HDFC Bank Freedom Credit Card
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HDFC Bank Biz Power Visa Credit Card
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CSC Small Business MoneyBack Credit Card
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HDFC Millennia Credit Card
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HDFC Moneyback Credit Card
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HDFC All Miles Credit Card
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HDFC Bank World Mastercard Credit Card
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HDFC Diners Club Black Credit Card
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Intermiles HDFC Bank Platinum Credit Card
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HDFC Bank Business Regalia First Credit Card
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Top 5 Credit Cards Of HDFC Bank
HDFC Swiggy Credit Card
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Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges
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Interest Rate: 3.6% per month (i.e., 43.2% per annum)
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Welcome Benefit: Earn free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service.
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Special Feature: 10% Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application.
In an attempt to reward regular users of the Swiggy app, HDFC Bank and Swiggy have partnered to provide the co-branded HDFC Swiggy Credit Card. Many cashback benefits are available with this card, especially when using the Swiggy app to make purchases for meal delivery, Instamart, Dineout, and Genie services. With some restrictions and a cap in place, cardholders can receive 10% cashback on purchases made using the Swiggy app, 5% cashback on other online purchases made using different merchant category codes (MCCs), and 1% cashback on purchases made in other categories. Furthermore, individuals who activate their card are entitled for a free three-month Swiggy One Membership, which comes with limitless advantages including free delivery and special savings at restaurants and other Swiggy services.
Tata Neu HDFC Infinity Credit Card
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Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes
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Interest Rate: 3.49% per month i.e 41.88% annually
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Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
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Special Feature: 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
With the TATA Neu Infinity HDFC Credit Card, treat yourself to a world of Tata benefits! Get 5 NeuCoins for every dollar spent at partner brands including Cleartrip, Swiggy, and Zomato, as well as Tata brands like BigBasket, AirAsia India, and Tata Cliq. Enjoy a welcome bonus of 499 NeuCoins in addition to 2% NeuCoins on all other purchases. Thus, if you're a devoted Tata fan or just like earning good incentives, think about using the TATA Neu Infinity HDFC Credit Card to open up a universe of advantages.
HDFC H.O.G. Diners Club Credit Card
Joining/Renewal Membership Fee: Rs. 10,000 + Applicable Taxes (annually)
HDFC Bank Harley-Davidson Diners Club Credit Card
Joining/Renewal Membership Fee: Rs. 2500 + Applicable Taxes (annually)
HDFC IRCTC Credit Card
Joining Fee / Renewal Membership Fee – INR 500 /- + Applicable Charges
Business Gold Credit Card
Annual Fees: Rs. 199, which can be waived if you spend Rs. 50,000 in a year.
HDFC Bank Business Regalia First Credit Card
Joining /Annual Fees: Rs. 1000/-
Bharat Credit Card
Joining / Renewal Membership Fee – Rs. 500/- Plus Applicable Taxes.
Freedom Credit Card
Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes.
All Miles Credit Card
Joining/Annual membership Fees: 1000/- + Taxes.
Easy EMI Card
Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes.
HDFC Bank Times Card Credit Platinum
Joining/Renewal Membership Fees ₹ 1000/- plus Applicable Taxes.
IndianOil HDFC Bank Credit Card
Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes.
InterMiles HDFC Bank Platinum Credit Card
Joining/ Renewal Membership Fee – Rs. 1,000/- + Applicable Taxe.
InterMiles HDFC Bank Signature Credit Card
Joining/ Renewal Membership Fee – Rs. 2500/- + Applicable Taxes.
InterMiles HDFC Bank Diners Club Credit Card
Joining/ Renewal Membership Fee – Rs. 5,000/- + Applicable Taxes.
6E Rewards XL - IndiGo HDFC Bank Credit Card
Joining/ Renewal Membership Fee: Rs.1, 500/- + Applicable Taxes.
6E Rewards - IndiGo HDFC Bank Credit Card
Joining/Annual Membership Fee – Rs. 500/- + Applicable Taxes.
MoneyBack Credit Card
Joining/Renewal Membership Fee – Rs. 500/- + Applicable Taxes.
HDFC Bank Titanium Times Card
Joining/Renewal Membership Fees ₹ 500/- plus Applicable Taxes.
Tata Neu Plus HDFC Bank Credit Card
Joining/Renewal Membership Fee – ₹499/- + Applicable Taxes Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived.
Tata Neu Infinity HDFC Bank Credit Card
Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes.
Shoppers Stop BLACK HDFC Bank Credit Card
The Joining/Renewal Membership fee will be ₹4,500.
Shoppers Stop HDFC Bank Credit Card
Lifetime Free Credit Card
HDFC Bank MoneyBack Plus Credit Card
Joining/Renewal Membership Fee – ₹500/-
HDFC Bank INFINIA Credit Card Metal Edition
Joining fee: Rs.12,500
Renewal fee: Rs.5,000 (Spend 10 lakhs or more in the preceding 12 months and get the renewal membership fee waived for next year.)
World MasterCard
Joining/Annual Membership Fee – Rs. 2,500/- + Applicable Taxes.
Millennia Credit Card
Joining/Renewal Membership Fee – ₹1,000/- (Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off ).
HDFC Diners Club Black Credit Card
Joining/Renewal Membership Fee: Rs. 10,000 + Applicable Taxes (annually)
HDFC Swiggy Credit Card
Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges.
HDFC Regalia Gold Credit Card
Joining/ Renewal Membership Fee of INR 2500 + Applicable Taxes.
Marriott Bonvoy HDFC Credit Card
Joining/ Renewal Membership Fee: Rs. 3000 + Applicable Taxes.
HDFC UPI RuPay Credit Card
Joining/ Renewal Membership Fee - ₹99/- + Applicable Taxes.
HDFC Bank Infinia Credit
HDFC H.O.G. Diners Club Credit Card
Get 5 reward points on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends get 2x points on dining. Weekend dining credit card rate: 6.66%. 10x reward points on purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%.
HDFC Bank Harley-Davidson Diners Club Credit Card
Get 4 reward point on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 2.33%. Get 20 reward points on spend of every INR 150 on Zomatao and Swiggy. Swiggy/Zomato cashback rate: 11.65%.
HDFC IRCTC Credit Card
5% cashback on train ticket booking through HDFC SmartBuy. Get 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%. 1 Reward point on all other spends. General cashback rate = 1%.
Business Gold Credit Card
Earn reward points on every spend of ₹150 and above Redeem reward points for shopping through Net Banking.
1 Reward Point = Rs 1 1 RP for every INR 100 spent.
Effective Cashback Rate= 1%
HDFC Bank Business Regalia First Credit Card
4 Reward points for every Rs. 150 spent Accumulate and redeem Reward Points for: - Travel and Entertainment 1 RP = 0.30 paisa.
You earn 1 RP for every INR 100 Spent You can redeem your Reward Points for a variety of rewards, such as Air travel Hotel stays Gift vouchers Merchandise Statement credits.
Effective Cashback Rate: 5%
Bharat Credit Card
1 Reward Point = Rs 1, 1 RP for every INR 100 Spent.
Cashback will be retained as Reward Points and posted in the next statement.
It can be redeemed as CashBack on customer request against the statement balance.
Effective Cashback Rate= 5%
Freedom Credit Card
1 CashPoint = Re. 0.15 for redemption against product catalog, SmartBuy, and cashback.
1 RP Equivalent to Product Catalog- 0.15 Unified SmartBuy (Flights/Hotels)- 0.15
Cashback- 0.15 Airmiles- 0.15
1RP on every INR 100 Spent.
All Miles Credit Card
Customers can get 3 Reward Points for every Rs. 150 they spend using your HDFC Bank All Miles Credit Card.
Customers get 2x Reward Points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings.
1RP= Rs 0.20 1RP for every INR 100 Spent
Effective Cashback Rate: 0.8%.
Easy EMI Card
The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints.
CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto ₹0.30.
1 Reward Point for every INR 100 Spent.
Effective Cashback Rate: 2.5%.
HDFC Bank Times Card Credit Platinum
Redeem Fuel Points through NetBanking towards catalogue products (where 1 FP = up to 20 paise)
Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (Cashback Redemption against Statement balance where 1 FP = 20 Paise.)
Effective Cashback Rate: 0.25%
IndianOil HDFC Bank Credit Card
Redeem Fuel Points through NetBanking towards catalog products (where 1 FP = up to 20 paise)
Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (Cashback Redemption against Statement balance where 1 FP = 20 Paise.)
Effective Cashback Rate: 0.25%
InterMiles HDFC Bank Platinum Credit Card
Flights: 1 reward point = 1 InterMiles
Hotels: 1 reward point = 0.8
InterMiles Shopping: 1 reward point = 0.7
InterMiles Gift cards: 1 reward point = 0.6
InterMiles Other redemption options: The value of 1 reward point may vary depending on the redemption option.
Effective Cashback rate= 1%
InterMiles HDFC Bank Signature Credit Card
1 InterMiles is equal to 0.0125 air miles.
Customers get 2 InterMiles per Rs. 100 spent.
You earn 8 InterMiles on every Rs. 150 spent on retail spending.
You earn 16 InterMiles on every Rs. 150 spent on every Hotel booked at Interbook.intermiles.com.
You earn 2 InterMiles on every Rs. 150 spent on fuel.
You earn 1 InterMiles on every Rs. 150 spent on dining, movies, and airport lounges.
Effective Cashback rate = 2%
InterMiles HDFC Bank Diners Club Credit Card
1 6E Rewards = 1 Rs.
You can earn 1 reward point for every INR 100 spent on your card.
Rewards earned will be transferred to your Indigo account at the end of the month.
The effective Cashback rate varies from 0.25% to 5%.
6E Rewards XL - IndiGo HDFC Bank Credit Card
1 6E Rewards = 1 Rs.
You can earn 1 reward point for every INR 100 spent on your card.
Rewards earned will be transferred to your Indigo account at the end of the month.
The effective Cashback rate varies from 0.25% to 5%.
6E Rewards - IndiGo HDFC Bank Credit Card
1 6E Rewards = 1 Rs.
You earn 1 reward point for every INR 100 spent.
Rewards earned will be transferred to your Indigo account at the end of the month.
Effective Cashback Rate 2%.
MoneyBack Credit Card
Get 2 Reward Points for every Rs 150 spent.
Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online
1 RewardPoint = ₹0.20
Effective Cashback Rate 0.4% Online Cashback Rate 0.8%.
HDFC Bank Titanium Times Card
Reward Points Accrual Earn 2 Reward Points for every ₹150 spent on your card
Earn 5 Reward Points on every ₹150 spent on Dining spends on weekdays (1 RP= 0.30 paisa)
General Cashback Rate: 0.4% Weekday Dining Cashback Rate: 1%.
Tata Neu Plus HDFC Bank Credit Card
You can use your NeuCoins for purchases on the Tata Neu App/Website for various brands.
For every Rs. 100 spent you get 1NeuCoin.
1 NeuCoin = ₹1, redeemable on the Tata Neu App
The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions, Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per calendar month for all other retail transactions. The effective Cashback rate varies from 1% to 5%.
Tata Neu Infinity HDFC Bank Credit Card
You can use your NeuCoins for purchases on the Tata Neu App/Website for various brands.
For every Rs. 100 spent you get 1NeuCoin.
1 NeuCoin = ₹1, redeemable on the Tata Neu App
The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions, Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per calendar month for all other retail transactions. The effective Cashback rate varies from 1% to 5%.
Shoppers Stop BLACK HDFC Bank Credit Card
Bank Reward pts redemption value will be Re 1 when availed against Shoppers Stop voucher; All non-Shoppers Stop voucher redemptions will be as per HDFC Bank’s current redemption catalog
1 RP = Rs. 1
Effective Cashback Rate: 1%
Shoppers Stop HDFC Bank Credit Card
Earn 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month. Value of 1 point = INR 0.60. Special cashback rate: 2.4%. Get 2 First Citizen Points for every Rs 150 spent on all other Shoppers Stop brands & other category spends (except fuel & wallet). General cashback rate: 0.8.
HDFC Bank MoneyBack Plus Credit Card
10 CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month). 5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 2 cashback points on all other spends, general cashback rate: 0.33%
HDFC Bank INFINIA Credit Card Metal Edition
Earn 5 Reward Points on every Rs.150 retail spends
Reward Points can be redeemed for: Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs1
Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. 1
Airmiles conversion through net banking at a value of 1RP = 1 air mile
Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = up to Rs 0.50 Cashback at a value of 1 RP = Rs 0.30
Effective Cashback Rate= 1%
World MasterCard
Customers get two reward points for every INR 150. Value of 1 reward point = INR 0.30. Cashback Rate: 0.4%.
Millennia Credit Card
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions.
HDFC Diners Club Black Credit Card
Get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends get 2x points on dining. Weekend dining credit card rate: 6.66%.
HDFC Swiggy Credit Card
Get flat 10% cashback on swiggy order (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. Enjoy 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month. Earn 1% cashback on all other eligible spends, capped at INR 500 per month.
HDFC Regalia Gold Credit Card
4 reward points per INR 150 spent on retail purchases. Value of 1 reward point = INR 0.25. Cashback rate = 0.67%. 5X reward points on select merchants like Myntra, Nykaa, Reliance Digital, and M&S. Effective special cashback rate: 3.33%
Marriott Bonvoy HDFC Credit Card
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
1 RP= INR 0.30
Effective Cashback Rate: 3.6%
HDFC UPI RuPay Credit Card
3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. (A maximum of 500 Points can be earned in a calendar month)
2% Cashpoints on Utility spends (A maximum of 500 Points can be earned in a calendar month)
1% Cashpoints on other spends
1 RP = 0.25 paisa.
HDFC Bank's Journey
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Interest Rates: 3.6% per month i.e. 43.2% annually.
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Cash Advance Charges: 2.5% of amount withdrawn or `500 whichever is higher.
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Late Payment Charges: Up to `100 – Nil
101 - `500 – INR 150 ,
501 - `5000 – INR 500
5001 - `20000 – INR 750
25000 - 50000 – INR 950
Above `50000 – INR 1300
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Foreign Currency Mark-up Fees: All overseas transactions are levied with a 3.5% transaction fee.
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Reward Redemption Fees: INR 99 + GST.
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Joining fee: Rs.12,500
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Interest Rate: 1.99% per month i.e. 23.88% annually.
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Welcome Benefit: Complimentary Club Marriott membership for Up to 50 days of interest-free period on your HDFC Bank Infinia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).
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Special Feature: Unlimited Complimentary golf games at leading courses across India and select courses across the world.
The HDFC Infinia credit card is among the priciest and most coveted credit cards offered in India. Using your HDFC Infinia Credit Card, you can use the Dine-out Plus program to get up to a 50% discount on dining bills at over 3000 partner restaurants in India. Free admission to over 800 airport lounges worldwide is available, and you might also be eligible for a complimentary Zomato Pro membership, which provides up to 40% discounts and expedited meal delivery. With a low 2% foreign exchange markup fee, a high credit limit of up to Rs. 10 lakhs, and a host of other incentives, the HDFC Infinia Credit Card is an essential tool for frequent travelers and diners.
Others fees and charges
IndianOil HDFC Credit Card
Eligibility Criteria for HDFC Bank Credit Cards
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Joining Fees: INR 500
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Interest Rate: 3.6% per month i.e. 43.2% annually.
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Welcome Benefit: None
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Special Feature: Customers can earn up to 50 Litres of Free fuel annually..
The IndianOil HDFC Credit Card is a specialized financial tool designed for individuals who frequently incur fuel expenses. It offers a multitude of benefits, such as the opportunity to earn up to 50 litres of free fuel annually. Cardholders can accrue 'Fuel Points' at a rate of 5% on expenditures at IndianOil outlets, as well as on groceries and bill payments, with a cap of 250 Fuel Points per month for the first six months, and 150 Fuel Points thereafter. For other purchases, every ₹150 spent earns 1 Fuel Point. Additional advantages include a complimentary IndianOil XTRAREWARDS™ Program membership, revolving credit at nominal interest rates, and zero liability on lost cards upon immediate reporting.
HDFC Regalia Gold Credit Card
Activating Your HDFC Bank Credit Card: A Step-by-Step Guide
Online Activation via Internet Banking
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Visit the HDFC Bank website and log in to your net banking account.
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Navigate to the 'Cards' section and select 'Credit Cards'.
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Under the 'Request' section, find the option for 'Instant PIN Generation'.
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Follow the prompts to set up a new 4-digit PIN for your credit card.
Activation via ATM
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Insert your credit card at an HDFC Bank ATM.
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Use the green PIN sent to your registered mobile number.
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Follow the on-screen instructions to set your credit card PIN.
Activation through IVR
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Call the HDFC Bank IVR at 1860 266 0333.
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Enter your credit card number and validate it with the OTP sent to your registered mobile number.
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Set your desired 4-digit PIN.
Activation via WhatsApp
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Save the number 7070022222 and send a message with the text "Manage My Credit Card" to enable transactions.
Using the 'MyCards' Portal
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Log in to the 'MyCards' portal using an OTP.
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Link your credit card and navigate to the 'Card Control' tab.
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Enable online, contactless, and international transactions as needed.
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Joining/ Renewal Membership Fees: INR 2500 + Applicable Taxes.
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Interest Rate: 3.6% per month (i.e., 43.2% per annum)
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Welcome Benefit: Free Club Vistara Silver Tier membership and MMT Black membership if you spend INR 1 lakh or above within 90 days of purchasing this card.
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Special Feature:Get INR 1,500 worth of vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital on spending INR. 1.5 Lakh in a quarter, get INR 5,000 worth of airline vouchers on spending INR 5 Lakh each year.
Welcome Benefits
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HDFC UPI RuPay Credit Card: None.
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Marriott Bonvoy HDFC Credit Card: Complimentary Marriott Bonvoy Silver Elite Status, and 1 Free Night Award plus 10 Elite Night Credits on the first spend transaction.
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HDFC Regalia Gold Credit Card: Free Club Vistara Silver Tier membership and MMT Black membership if you spend INR 1 lakh or above within 90 days of purchasing this card.
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HDFC Swiggy Credit Card: Complimentary Swiggy One Membership for 3 months on card activation.
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HDFC Diners Club Black Credit Card: Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK by spending 1.5 lakhs within the first 90 days or upon first year fee realization on the credit card.
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Millennia Credit Card: By paying your Joining Membership Fee you can get Gift Voucher equivalent to the Fee Amount.
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World MasterCard: None.
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HDFC Bank INFINIA Credit Card Metal Edition: Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region. Get welcome benefit of 12,500 reward points upon fee realisation and card activation p for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region. Get welcome benefit of 12,500 reward points upon fee realisation and card activation.
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HDFC Bank MoneyBack Plus Credit Card: 500 cash points on payment of annual fee. Value of 1 point = INR 0.25.
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Shoppers Stop HDFC Bank Credit Card: Welcome Benefit: INR 500 worth of Shoppers Stop voucher, redeemable on minimum shopping of INR 3,000 at Shoppers Stop stores.
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Shoppers Stop BLACK HDFC Bank Credit Card: Get Shoppers Stop vouchers worth ₹1500, redeemable on any bill value.
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Tata Neu Infinity HDFC Bank Credit Card: Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
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Tata Neu Plus HDFC Bank Credit Card: Get 499 NeuCoins on Tata Neu App (as a reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
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HDFC Bank Titanium Times Card: Welcome vouchers worth 5000* across shopping, apparel, dining, and many more categories.
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MoneyBack Credit Card: 500 Cash Points (applicable only on payment of membership fee).
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6E Rewards - IndiGo HDFC Bank Credit Card: 1 Complimentary flight ticket worth Rs.1500, 1 Complimentary 6E Prime Add-On - Priority check-in, choice of seat, a complimentary meal & quicker baggage). Accor hotel vouchers worth Rs. 5000 (Applicable only on joining fee payment).
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6E Rewards XL - IndiGo HDFC Bank Credit Card: 1 Complimentary flight ticket worth Rs.3000, 1 Complimentary 6E Prime Add-On - Priority check-in, choice of seat, a complimentary meal & quicker baggage). · Accor hotel vouchers worth Rs. 5000 (Applicable only on joining fee payment).
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InterMiles HDFC Bank Diners Club Credit Card: InterMiles Gold membership by default for the first year.
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InterMiles HDFC Bank Signature Credit Card: InterMiles Silver membership by default for the first year. 3,000 InterMiles upon spending Rs. 6,000 within the first 30 days of card set up 5,000 InterMiles on total retail spends of Rs.90,000 and above, within the first 90 days.
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InterMiles HDFC Bank Platinum Credit Card: Customers can avail of up to 3,000 Bonus InterMiles 1,500 InterMiles upon spending Rs. 3,000 within in first 30 days of card set up 1,500 InterMiles on total retail spends of Rs.50,000 and above, within the first 90 days.
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IndianOil HDFC Bank Credit Card: None.
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HDFC Bank Times Card Credit Platinum: Welcome vouchers worth 5000* across shopping, apparel, dining and many more categories.
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Easy EMI Card: 500 Cash Points (applicable only on payment of membership fee).
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All Miles Credit Card: None.
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Freedom Credit Card: 500 CashPoints (applicable only on payment of membership fee).
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Bharat Credit Card: None.
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HDFC Bank Business Regalia First Credit Card: Enjoy Zomato Gold complimentary Membership for a Year that offers - A complimentary dish on every visit at a Gold food partner restaurant or 2 complimentary drinks at select Zomato partner restaurants.This membership can be availed after spending Rs.75,000 within the first 3 months of getting your new Business credit card.
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Business Gold Credit Card: None.
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HDFC IRCTC Credit Card: Gift voucher worth INR 500 on card activation by undertaking one transaction of any amount in the first 37 days of card issuance.
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HDFC Bank Harley-Davidson Diners Club Credit Card : Swiggy One membership for 1 year, Times Prime membership for 1 year. Gift card worth INR 750 from Harley Davidson.
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HDFC H.O.G. Diners Club Credit Card: Swiggy One membership for 3 months, free annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and free gift voucher by Harley-Davidson worth INR 2500.
How to Activate HDFC Bank Credit Card?
Annual Fee
Credit Cards | Annual and Joining Fees |
|---|---|
HDFC H.O.G. Diners Club Credit Card | Joining/Renewal Membership Fee: Rs. 10,000 + Applicable Taxes (annually) |
HDFC Bank Harley-Davidson Diners Club Credit Card | Joining/Renewal Membership Fee: Rs. 2500 + Applicable Taxes (annually) |
HDFC IRCTC Credit Card | Joining Fee / Renewal Membership Fee – INR 500 /- + Applicable Charges |
Business Gold Credit Card | Annual Fees: Rs. 199, which can be waived if you spend Rs. 50,000 in a year. |
HDFC Bank Business Regalia First Credit Card | Joining /Annual Fees: Rs. 1000/- |
Bharat Credit Card | Joining / Renewal Membership Fee – Rs. 500/- Plus Applicable Taxes. |
Freedom Credit Card | Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes. |
All Miles Credit Card | Joining/Annual membership Fees: 1000/- + Taxes. |
Easy EMI Card | Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes. |
HDFC Bank Times Card Credit Platinum | Joining/Renewal Membership Fees ₹ 1000/- plus Applicable Taxes. |
IndianOil HDFC Bank Credit Card | Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes. |
InterMiles HDFC Bank Platinum Credit Card | Joining/ Renewal Membership Fee – Rs. 1,000/- + Applicable Taxe. |
InterMiles HDFC Bank Signature Credit Card | Joining/ Renewal Membership Fee – Rs. 2500/- + Applicable Taxes. |
InterMiles HDFC Bank Diners Club Credit Card | Joining/ Renewal Membership Fee – Rs. 5,000/- + Applicable Taxes. |
6E Rewards XL - IndiGo HDFC Bank Credit Card | Joining/ Renewal Membership Fee: Rs.1, 500/- + Applicable Taxes. |
6E Rewards - IndiGo HDFC Bank Credit Card | Joining/Annual Membership Fee – Rs. 500/- + Applicable Taxes. |
MoneyBack Credit Card | Joining/Renewal Membership Fee – Rs. 500/- + Applicable Taxes. |
HDFC Bank Titanium Times Card | Joining/Renewal Membership Fees ₹ 500/- plus Applicable Taxes. |
Tata Neu Plus HDFC Bank Credit Card | Joining/Renewal Membership Fee – ₹499/- + Applicable Taxes Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived. |
Tata Neu Infinity HDFC Bank Credit Card | Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes. |
Shoppers Stop BLACK HDFC Bank Credit Card | The Joining/Renewal Membership fee will be ₹4,500. |
Shoppers Stop HDFC Bank Credit Card | Lifetime Free Credit Card |
HDFC Bank MoneyBack Plus Credit Card | Joining/Renewal Membership Fee – ₹500/- |
HDFC Bank INFINIA Credit Card Metal Edition | Joining fee: Rs.12,500
Renewal fee: Rs.5,000 (Spend 10 lakhs or more in the preceding 12 months and get the renewal membership fee waived for next year.) |
World MasterCard | Joining/Annual Membership Fee – Rs. 2,500/- + Applicable Taxes. |
Millennia Credit Card | Joining/Renewal Membership Fee – ₹1,000/- (Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off ). |
HDFC Diners Club Black Credit Card | Joining/Renewal Membership Fee: Rs. 10,000 + Applicable Taxes (annually) |
HDFC Swiggy Credit Card | Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges. |
HDFC Regalia Gold Credit Card | Joining/ Renewal Membership Fee of INR 2500 + Applicable Taxes. |
Marriott Bonvoy HDFC Credit Card | Joining/ Renewal Membership Fee: Rs. 3000 + Applicable Taxes. |
HDFC UPI RuPay Credit Card | Joining/ Renewal Membership Fee - ₹99/- + Applicable Taxes. |
HDFC Bank's Journey
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Residential Status: Applicant must be a resident of India, although some cards may be available to Non-Resident Indians (NRIs) as well.
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Age: The age requirement varies; generally, it is 21 to 60 years for salaried individuals and 21 to 65 years for self-employed individuals.
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Income: A stable income is required, with a specific amount depending on the card. Proof of income, such as Income Tax Returns, may be necessary.
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Bank Account: Not mandatory to have an account with HDFC, but a bank account is needed to provide proof of income.
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Credit History: A good credit history, reflected in a credit score typically ranging from 300 to 900, with 750 considered good, is important for approval.
Rewards System
Credit Card | Reward System |
|---|---|
HDFC H.O.G. Diners Club Credit Card | Get 5 reward points on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends get 2x points on dining. Weekend dining credit card rate: 6.66%. 10x reward points on purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%. |
HDFC Bank Harley-Davidson Diners Club Credit Card | Get 4 reward point on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 2.33%. Get 20 reward points on spend of every INR 150 on Zomatao and Swiggy. Swiggy/Zomato cashback rate: 11.65%. |
HDFC IRCTC Credit Card | 5% cashback on train ticket booking through HDFC SmartBuy. Get 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%. 1 Reward point on all other spends. General cashback rate = 1%. |
Business Gold Credit Card | Earn reward points on every spend of ₹150 and above Redeem reward points for shopping through Net Banking.
1 Reward Point = Rs 1 1 RP for every INR 100 spent.
Effective Cashback Rate= 1% |
HDFC Bank Business Regalia First Credit Card | 4 Reward points for every Rs. 150 spent Accumulate and redeem Reward Points for: - Travel and Entertainment 1 RP = 0.30 paisa.
You earn 1 RP for every INR 100 Spent You can redeem your Reward Points for a variety of rewards, such as Air travel Hotel stays Gift vouchers Merchandise Statement credits.
Effective Cashback Rate: 5% |
Bharat Credit Card | 1 Reward Point = Rs 1, 1 RP for every INR 100 Spent.
Cashback will be retained as Reward Points and posted in the next statement.
It can be redeemed as CashBack on customer request against the statement balance.
Effective Cashback Rate= 5% |
Freedom Credit Card | 1 CashPoint = Re. 0.15 for redemption against product catalog, SmartBuy, and cashback.
1 RP Equivalent to Product Catalog- 0.15 Unified SmartBuy (Flights/Hotels)- 0.15
Cashback- 0.15 Airmiles- 0.15
1RP on every INR 100 Spent. |
All Miles Credit Card | Customers can get 3 Reward Points for every Rs. 150 they spend using your HDFC Bank All Miles Credit Card.
Customers get 2x Reward Points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings.
1RP= Rs 0.20 1RP for every INR 100 Spent
Effective Cashback Rate: 0.8%. |
Easy EMI Card | The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints.
CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto ₹0.30.
1 Reward Point for every INR 100 Spent.
Effective Cashback Rate: 2.5%. |
HDFC Bank Times Card Credit Platinum | Redeem Fuel Points through NetBanking towards catalogue products (where 1 FP = up to 20 paise)
Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (Cashback Redemption against Statement balance where 1 FP = 20 Paise.)
Effective Cashback Rate: 0.25% |
IndianOil HDFC Bank Credit Card | Redeem Fuel Points through NetBanking towards catalog products (where 1 FP = up to 20 paise)
Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (Cashback Redemption against Statement balance where 1 FP = 20 Paise.)
Effective Cashback Rate: 0.25% |
InterMiles HDFC Bank Platinum Credit Card | Flights: 1 reward point = 1 InterMiles
Hotels: 1 reward point = 0.8
InterMiles Shopping: 1 reward point = 0.7
InterMiles Gift cards: 1 reward point = 0.6
InterMiles Other redemption options: The value of 1 reward point may vary depending on the redemption option.
Effective Cashback rate= 1% |
InterMiles HDFC Bank Signature Credit Card | 1 InterMiles is equal to 0.0125 air miles.
Customers get 2 InterMiles per Rs. 100 spent.
You earn 8 InterMiles on every Rs. 150 spent on retail spending.
You earn 16 InterMiles on every Rs. 150 spent on every Hotel booked at Interbook.intermiles.com.
You earn 2 InterMiles on every Rs. 150 spent on fuel.
You earn 1 InterMiles on every Rs. 150 spent on dining, movies, and airport lounges.
Effective Cashback rate = 2% |
InterMiles HDFC Bank Diners Club Credit Card | 1 6E Rewards = 1 Rs.
You can earn 1 reward point for every INR 100 spent on your card.
Rewards earned will be transferred to your Indigo account at the end of the month.
The effective Cashback rate varies from 0.25% to 5%. |
6E Rewards XL - IndiGo HDFC Bank Credit Card | 1 6E Rewards = 1 Rs.
You can earn 1 reward point for every INR 100 spent on your card.
Rewards earned will be transferred to your Indigo account at the end of the month.
The effective Cashback rate varies from 0.25% to 5%. |
6E Rewards - IndiGo HDFC Bank Credit Card | 1 6E Rewards = 1 Rs.
You earn 1 reward point for every INR 100 spent.
Rewards earned will be transferred to your Indigo account at the end of the month.
Effective Cashback Rate 2%. |
MoneyBack Credit Card | Get 2 Reward Points for every Rs 150 spent.
Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online
1 RewardPoint = ₹0.20
Effective Cashback Rate 0.4% Online Cashback Rate 0.8%. |
HDFC Bank Titanium Times Card | Reward Points Accrual Earn 2 Reward Points for every ₹150 spent on your card
Earn 5 Reward Points on every ₹150 spent on Dining spends on weekdays (1 RP= 0.30 paisa)
General Cashback Rate: 0.4% Weekday Dining Cashback Rate: 1%. |
Tata Neu Plus HDFC Bank Credit Card | You can use your NeuCoins for purchases on the Tata Neu App/Website for various brands.
For every Rs. 100 spent you get 1NeuCoin.
1 NeuCoin = ₹1, redeemable on the Tata Neu App
The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions, Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per calendar month for all other retail transactions. The effective Cashback rate varies from 1% to 5%. |
Tata Neu Infinity HDFC Bank Credit Card | You can use your NeuCoins for purchases on the Tata Neu App/Website for various brands.
For every Rs. 100 spent you get 1NeuCoin.
1 NeuCoin = ₹1, redeemable on the Tata Neu App
The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions, Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per calendar month for all other retail transactions. The effective Cashback rate varies from 1% to 5%. |
Shoppers Stop BLACK HDFC Bank Credit Card | Bank Reward pts redemption value will be Re 1 when availed against Shoppers Stop voucher; All non-Shoppers Stop voucher redemptions will be as per HDFC Bank’s current redemption catalog
1 RP = Rs. 1
Effective Cashback Rate: 1% |
Shoppers Stop HDFC Bank Credit Card | Earn 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month. Value of 1 point = INR 0.60. Special cashback rate: 2.4%. Get 2 First Citizen Points for every Rs 150 spent on all other Shoppers Stop brands & other category spends (except fuel & wallet). General cashback rate: 0.8. |
HDFC Bank MoneyBack Plus Credit Card | 10 CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month). 5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 2 cashback points on all other spends, general cashback rate: 0.33% |
HDFC Bank INFINIA Credit Card Metal Edition | Earn 5 Reward Points on every Rs.150 retail spends
Reward Points can be redeemed for: Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs1
Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. 1
Airmiles conversion through net banking at a value of 1RP = 1 air mile
Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = up to Rs 0.50 Cashback at a value of 1 RP = Rs 0.30
Effective Cashback Rate= 1% |
World MasterCard | Customers get two reward points for every INR 150. Value of 1 reward point = INR 0.30. Cashback Rate: 0.4%. |
Millennia Credit Card | 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions. |
HDFC Diners Club Black Credit Card | Get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends get 2x points on dining. Weekend dining credit card rate: 6.66%. |
HDFC Swiggy Credit Card | Get flat 10% cashback on swiggy order (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. Enjoy 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month. Earn 1% cashback on all other eligible spends, capped at INR 500 per month. |
HDFC Regalia Gold Credit Card | 4 reward points per INR 150 spent on retail purchases. Value of 1 reward point = INR 0.25. Cashback rate = 0.67%. 5X reward points on select merchants like Myntra, Nykaa, Reliance Digital, and M&S. Effective special cashback rate: 3.33% |
Marriott Bonvoy HDFC Credit Card | Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
1 RP= INR 0.30
Effective Cashback Rate: 3.6% |
HDFC UPI RuPay Credit Card | 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. (A maximum of 500 Points can be earned in a calendar month)
2% Cashpoints on Utility spends (A maximum of 500 Points can be earned in a calendar month)
1% Cashpoints on other spends
1 RP = 0.25 paisa. |
How to Activate HDFC Bank Credit Card?
Activating Your HDFC Bank Credit Card: A Step-by-Step Guide
Online Activation via Internet Banking
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Visit the HDFC Bank website and log in to your net banking account.
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Navigate to the 'Cards' section and select 'Credit Cards'.
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Under the 'Request' section, find the option for 'Instant PIN Generation'.
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Follow the prompts to set up a new 4-digit PIN for your credit card.
Activation via ATM
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Insert your credit card at an HDFC Bank ATM.
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Use the green PIN sent to your registered mobile number.
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Follow the on-screen instructions to set your credit card PIN.
Activation through IVR
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Call the HDFC Bank IVR at 1860 266 0333.
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Enter your credit card number and validate it with the OTP sent to your registered mobile number.
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Set your desired 4-digit PIN.
Activation via WhatsApp
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Save the number 7070022222 and send a message with the text "Manage My Credit Card" to enable transactions.
Using the 'MyCards' Portal
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Log in to the 'MyCards' portal using an OTP.
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Link your credit card and navigate to the 'Card Control' tab.
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Enable online, contactless, and international transactions as needed.
Eligibility Criteria for HDFC Bank Credit Cards
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Residential Status: Applicant must be a resident of India, although some cards may be available to Non-Resident Indians (NRIs) as well.
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Age: The age requirement varies; generally, it is 21 to 60 years for salaried individuals and 21 to 65 years for self-employed individuals.
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Income: A stable income is required, with a specific amount depending on the card. Proof of income, such as Income Tax Returns, may be necessary.
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Bank Account: Not mandatory to have an account with HDFC, but a bank account is needed to provide proof of income.
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Credit History: A good credit history, reflected in a credit score typically ranging from 300 to 900, with 750 considered good, is important for approval.
Interest Rates: 3.6% per month i.e. 43.2% annually.
Cash Advance Charges: 2.5% of amount withdrawn or `500 whichever is higher.
Late Payment Charges: Up to `100 – Nil
101 - `500 – INR 150 ,
501 - `5000 – INR 500
5001 - `20000 – INR 750
25000 - 50000 – INR 950
Above `50000 – INR 1300
Foreign Currency Mark-up Fees: All overseas transactions are levied with a 3.5% transaction fee.
Reward Redemption Fees: INR 99 + GST.
HDFC Bank, known officially as HDFC Bank Limited, is a hallmark of the Indian banking sector, with its roots deeply embedded in the country's financial services history. The bank's inception dates back to August 1994, when it was incorporated as a subsidiary of the Housing Development Finance Corporation Limited (HDFC Ltd), a pioneer in India's housing finance. This strategic move came as a result of the Reserve Bank of India's liberalization policies, granting 'in principle' approval for setting up private sector banks.
The bank commenced its operations in January 1995, with its registered office in Mumbai, India. It marked its beginning with an inaugural full-service branch at Sandoz House, Worli, which had the honor of being inaugurated by the then Union Finance Minister, Manmohan Singh. This event heralded a new era in the Indian banking industry, characterized by rapid growth and innovation.
In 2001, HDFC Bank's American Depositary Shares (ADS) were listed on the New York Stock Exchange, expanding its global footprint and investor base. The bank's growth trajectory continued with the acquisition of Centurion Bank of Punjab in 2008 for ₹9,510 crore in a share-swap deal, which at the time was the largest acquisition in the Indian financial sector.
As of 2024, HDFC Bank stands as India's largest private sector bank by assets and has been recognized as one of the world's largest banks by market capitalization, following its takeover of parent company HDFC Ltd. The Reserve Bank of India has identified HDFC Bank as a Domestic Systemically Important Bank (D-SIB), underscoring its critical role in the stability of the financial system.
The bank's network is vast, with thousands of branches and ATMs spread across the nation, and its international presence includes branches in key global financial hubs. HDFC Bank has also been a leader in corporate social responsibility with its initiative 'Parivartan', aiming to drive economic and social development across India.
Other Fee And Charges
HDFC Bank's Journey
HDFC Bank, known officially as HDFC Bank Limited, is a hallmark of the Indian banking sector, with its roots deeply embedded in the country's financial services history. The bank's inception dates back to August 1994, when it was incorporated as a subsidiary of the Housing Development Finance Corporation Limited (HDFC Ltd), a pioneer in India's housing finance. This strategic move came as a result of the Reserve Bank of India's liberalization policies, granting 'in principle' approval for setting up private sector banks.
The bank commenced its operations in January 1995, with its registered office in Mumbai, India. It marked its beginning with an inaugural full-service branch at Sandoz House, Worli, which had the honor of being inaugurated by the then Union Finance Minister, Manmohan Singh. This event heralded a new era in the Indian banking industry, characterized by rapid growth and innovation.
In 2001, HDFC Bank's American Depositary Shares (ADS) were listed on the New York Stock Exchange, expanding its global footprint and investor base. The bank's growth trajectory continued with the acquisition of Centurion Bank of Punjab in 2008 for ₹9,510 crore in a share-swap deal, which at the time was the largest acquisition in the Indian financial sector.
As of 2024, HDFC Bank stands as India's largest private sector bank by assets and has been recognized as one of the world's largest banks by market capitalization, following its takeover of parent company HDFC Ltd. The Reserve Bank of India has identified HDFC Bank as a Domestic Systemically Important Bank (D-SIB), underscoring its critical role in the stability of the financial system.
The bank's network is vast, with thousands of branches and ATMs spread across the nation, and its international presence includes branches in key global financial hubs. HDFC Bank has also been a leader in corporate social responsibility with its initiative 'Parivartan', aiming to drive economic and social development across India.
HDFC Bank, known officially as HDFC Bank Limited, is a hallmark of the Indian banking sector, with its roots deeply embedded in the country's financial services history. The bank's inception dates back to August 1994, when it was incorporated as a subsidiary of the Housing Development Finance Corporation Limited (HDFC Ltd), a pioneer in India's housing finance. This strategic move came as a result of the Reserve Bank of India's liberalization policies, granting 'in principle' approval for setting up private sector banks.
The bank commenced its operations in January 1995, with its registered office in Mumbai, India. It marked its beginning with an inaugural full-service branch at Sandoz House, Worli, which had the honor of being inaugurated by the then Union Finance Minister, Manmohan Singh. This event heralded a new era in the Indian banking industry, characterized by rapid growth and innovation.
In 2001, HDFC Bank's American Depositary Shares (ADS) were listed on the New York Stock Exchange, expanding its global footprint and investor base. The bank's growth trajectory continued with the acquisition of Centurion Bank of Punjab in 2008 for ₹9,510 crore in a share-swap deal, which at the time was the largest acquisition in the Indian financial sector.
As of 2024, HDFC Bank stands as India's largest private sector bank by assets and has been recognized as one of the world's largest banks by market capitalization, following its takeover of parent company HDFC Ltd. The Reserve Bank of India has identified HDFC Bank as a Domestic Systemically Important Bank (D-SIB), underscoring its critical role in the stability of the financial system.
The bank's network is vast, with thousands of branches and ATMs spread across the nation, and its international presence includes branches in key global financial hubs. HDFC Bank has also been a leader in corporate social responsibility with its initiative 'Parivartan', aiming to drive economic and social development across India.
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Q: Which HDFC Bank Credit Card is right for me?
A: HDFC Bank offers a variety of credit cards with different benefits and rewards programs. You can find a card that suits your spending habits,
whether you travel frequently, shop online a lot, or enjoy dining out. Use the bank's pre-approval tool to see which cards you're eligible for.
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Q: What are the fees associated with HDFC Bank Credit Cards?
A: Annual fees for HDFC Bank Credit Cards can range from free for lifetime cards to ₹10,000 or more for premium cards. There may also be other
fees, such as late payment fees and foreign transaction fees. Be sure to review the fee schedule for the card you're interested in.
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Q: How do I apply for an HDFC Bank Credit Card?
A: You can apply for an HDFC Bank Credit Card online through the bank's website or mobile app. You can also visit an HDFC Bank branch to
apply in person.
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Q: What documents do I need to apply for an HDFC Bank Credit Card?
A: The documents required to apply for an HDFC Bank Credit Card will vary depending on your situation. Typically, you will need to provide
proof of identity, income, and address.
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Q: How long does it take to get approved for an HDFC Bank Credit Card?
A: The approval process for an HDFC Bank Credit Card can take a few days to a few weeks. You will be notified by the bank of the decision.
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Q: How do I activate my new HDFC Bank Credit Card?
A: You will receive instructions on how to activate your new HDFC Bank Credit Card after it is approved. This can usually be done online or by
phone.
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Q: How do I make a payment on my HDFC Bank Credit Card?
A: You can make payments on your HDFC Bank Credit Card online, through the bank's mobile app, at an ATM, or by phone. You can also set up
auto-pay to have your payments automatically deducted from your bank account.
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Q: What happens if I miss a payment on my HDFC Bank Credit Card?
A: If you miss a payment on your HDFC Bank Credit Card, you will be charged a late payment fee. You may also be subject to a higher interest rate.
It's important to make your payments on time to avoid these charges.
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Q: How do I report a lost or stolen HDFC Bank Credit Card?
A: If your HDFC Bank Credit Card is lost or stolen, you should report it to the bank immediately. You can do this by calling the customer service
number on the back of your card.
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Q: Where can I find more information about HDFC Bank Credit Cards?
A: You can find more information about HDFC Bank Credit Cards on the bank's website https://www.hdfcbank.com/personal/pay/cards/credit-cards.
You can also contact the bank's customer service department for assistance.