10 Best HDFC Bank Credit Cards
Here's the list Compares Best HDFC Credit Card types with their annual fees.
| Name of the Card | Annual Fee | Type of Card |
|---|---|---|
| HDFC Freedom Credit Card | Rs.500+GST | Shopping and Rewards |
| HDFC Indian Oil Credit Card | Rs 500+GST | Fuel Credit Card |
| HDFC Infinia Credit Card | Rs 12,500+GST | Infinia Metal Edition Credit Card |
| HDFC MoneyBack Credit Card | Rs.500+GST | Shopping and Cashback |
| HDFC Millenia Credit Card | Rs.1000+GST | Shopping and Cashback |
| HDFC Diners Club Black Credit Card | Rs.5000+GST | Lifestyle and travel |
| HDFC Regalia Credit Card | Rs.2500+GST | Luxury Travel Card |
Table of Contents: HDFC Bank Credit Card[Hide]
- 10 Best HDFC Credit Cards
- Features & Benefits of HDFC Credit Card
- How to Apply for an HDFC Credit Card Online?
- Eligibility to Apply for a HDFC Credit Card?
- Fee & Charges of HDFC Credit Card
- Documents Required for HDFC Credit Card
- How to Pay HDFC Credit Card Bill Online
- How to use HDFC Credit Card (Tips & Advice)
- Balance Transfer: How to use the BT feature and what are the Benefits?
Features & Benefits of HDFC Bank Credit Cards
Some common features you can enjoy after applying for HDFC Bank Credit Card online.
- Annual fees and renewal fees will vary for each cardholder depending on the card held and will be informed at the time of applying for the card.
- Credit-free period up to 50 days is available. If the cardholder opts for revolving payment, then an interest as low as 1.9% p.m. will be applied on the balance carried forward.
- Cash withdrawal charges at 2.5% of the amount withdrawn with a minimum of Rs. 500 will be collected.
- Limit on the Credit Card will be fixed by HDFC bank based on several criteria and the limit has to be shared among the Add On members as well. The same will be informed to the cardholder at the time of delivering the card.
- If the card is used beyond the limit, 2.5% of the over limit will be charged for all cards except Infinia.
- A late fee ranging from Rs. 100 to Rs. 750 is applied per statement cycle for the card dues not paid in accordance to the due date.
Benefits of HDFC Bank Credit Cards
The Benefit of HDFC Credit Cards are a lot, however, the most popular cards among each segment of users because of the following reasons:
- Instant approval on applying for HDFC credit card online.
- It can be automatically set to pay recurring bills like phone, electricity, and water bills.
- It has the best 'buy now and pay later' option. You also get a grace period up to 50 days from the date of purchase. During the grace period, interest will not be charged on the outstanding amount.
- You will earn reward points for every purchase with the card which can be redeemed for exciting gifts and vouchers.
- The Applicant can easily apply for HDFC Jumbo Instant Loan.
- With selected offline and online merchants, HDFC offers a host of cash back and discounts.
- The Credit Card statement gives an item wise list of expenditures made on the Credit Card, which helps you keep track of your expenses.
Check the details of the Tata Neu Plus HDFC Bank Credit Card
How to Apply for an HDFC Bank Credit Card Online?
Some common features you can enjoy after applying for HDFC Bank Credit Card online.
- Click on the ‘Apply Now’
- Compare various HDFC Credit Card offers to find the best one for you.
- Submit an online application form for the card that you have chosen along with some personal details and HDFC Credit Card Document.
Additional Info: Check the HDFC Forex Cards details
Fee & Charges of HDFC Credit Card
Here is a list of service charges associated with your HDFC Credit Card. However, the fees and charges may vary because of different HDFC Credit Card types. You can call HDFC Credit Card Customer Care for complete details.
| Type of Charges | Charges Details |
|---|---|
| Interest Free Period | Up to 50 days |
| Interest Rate | 3.49% per month |
| Additional Card Fee | Free |
| Cash advance fees | 2.5% of the amount |
| Cash processing fee | Rs. 100 |
| Reward redemption fee | Rs. 99 per request |
| Foreign currency transactions Charges | 3.50% |