HDFC Credit Card
Apply for the HDFC Bank Credit Card and enjoy lifetime free benefits, premium rewards, and low annual charges. Discover exciting features, reward programs, and eligibility criteria before applying online.
On HDFC Website
Features and Benefits
HDFC Bank categorizes its credit cards based on the benefits they offer.
- Welcome Bonus
- Movie offer
- Fuel
- Rewards
- Shopping
- Cashback
- Dining
- Lounge Access
- Interest free cash withdrawal
Welcome Offer
Welcome gifts and bonus reward points on successful card activation or initial spends.
Reward Points
Earn reward points on every transaction across shopping, dining, fuel, and travel.
Digital Convenience and Security
Contactless payment technology for quick and secure transactions.
Fuel Surcharge Waiver
1% fuel surcharge waiver across petrol pumps in India, making daily travel more cost-effective.
Dining offer
Exclusive dining offers and instant discounts through tie-ups with leading restaurants and platforms like EazyDiner.
Travel Privileges
Complimentary domestic and international airport lounge access on select premium cards. Higher rewards on flight and hotel bookings.
Cashback on EMI
Choose from multiple EMI options such as 3, 6, 9, or 12 months. ashback is applicable on eligible purchases above a fixed limit.
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Joining Fee
Free
Annual Fee
Free
EMI Conversion
Yes
Reward Type
Reward Points
Eligibility Criteria for HDFC Credit Card
You must be an Indian citizen, aged between 21 and 60-65 years.
Income: Salaried ya self-employed persons with minimum income requirement. (e.g. ₹25,000/month or above.)
Good credit history / CIBIL score.
KYC documents: PAN, Aadhaar, address proof etc.
Documents Required to Apply
Once you’re sure you meet the eligibility, keep these documents handy to complete your application quickly:
Identity Proof (Any one): PAN Card, Aadhaar Card, Voter ID, Passport
Address Proof (Any one): Aadhaar Card, Utility Bill (electricity/gas/water), Passport
Income Proof (Any one): Latest salary slips (salaried), Bank statement, ITR (self-employed)
Photograph: One recent passport-size photo
Frequently Asked Questions
The minimum salary requirement usually starts from ₹25,000 per month for entry-level cards and goes higher for premium variants.
You can redeem reward points through HDFC NetBanking or SmartBuy portal for flights, hotels, shopping vouchers, products, and cashback options.
Yes, HDFC Bank offers select lifetime free credit cards, and in some cases, annual fees can be waived on achieving a specified annual spend threshold.