You can find HDFC Bank credit cards with varied features and benefits focusing mainly on one or more spending categories. Some HDFC cards offer reward points while others offer cashback, some are co-branded with popular airlines like IndiGo while others are launched in association with lifestyle brands like Tata Neu.
Here is the list of the most popular HDFC credit cards. You can choose and apply for the best HDFC credit card as per your needs and preferences.
| Category | Transaction Fee |
| Rent Payments made via third-party apps | 1% (capped at Rs. 3,000 per transaction) |
| Education Payments made via third-party apps | 1% (capped at Rs. 3,000 per transaction) |
| Utility Spends | 1% (max. Rs. 3,000) for spends exceeding Rs. 50,000* |
| Fuel Spends | 1% (max. Rs. 3,000) for spends exceeding Rs. 15,000* |
*For Business Cards, 1% transaction fee is capped at Rs. 3,000 each for utility spends exceeding Rs. 75,000 and fuel spends exceeding Rs. 30,000.
Apart from the above-mentioned credit cards, the bank also offers other credit cards catering to your travel, shopping, dining and other lifestyle-related needs. Below mentioned are some of the popular credit cards:
| Credit Cards | Annual Fee | Best Suited For |
| 6E Rewards XL IndiGo HDFC Bank Credit Card | Rs. 1,500 | Travel |
| HDFC Platinum Times Credit Card | Rs. 1,000 | Dining & Movies |
| HDFC Diners Club Privilege Credit Card | Rs. 2,500 | Lifestyle Benefits |
| InterMiles HDFC Bank Signature Credit Card | Rs. 2,500 | Travel |
| Shoppers Stop Black HDFC Bank Credit Card | Rs. 4,500 | Shopping |
| IRCTC HDFC Bank Credit Card | Rs. 500 | Travel |
| HDFC PIXEL Play Credit Card | Rs. 500 | Cashback |
| HDFC Bank H.O.G Diners Club Credit Card | Rs. 10,000 | Rewards |
| HDFC Harley-Davidson Diners Club Credit Card | Rs. 2,500 | Rewards |
Though each HDFC card comes with a different set of benefits, there are some common features that most credit cards from HDFC Bank would have. Key features of HDFC credit cards include:
EMI Conversion: Using HDFC Bank’s Smart EMI facility, you can convert big-ticket transactions into instalments and pay off over a period of 3 to 24 months, or higher in some cases. Interest is usually applicable on such EMIs, however, the bank also offers no-cost EMI facility on select merchant spends.
Loan on Credit Card: HDFC Bank also offers loan on credit card under their Insta Loan and Insta Jumbo Loan facilities. In case of Insta Loan, your limit will be blocked for the amount you borrow whereas in case of Insta Jumbo Loan, you can get an amount over and above your available credit limit. The eligible loan amount and interest rates, however, vary from user to user.
Balance Transfer: If you have an outstanding balance on a credit card from some other provider and find it difficult to pay off, you can transfer the balance to your HDFC Bank credit card.
This will allow you to make payments in easy instalments without any penalties or finance charges. Note that interest rates will still be applicable on balance transfers but the rate will be lower than credit card finance charges.
Link HDFC RuPay Credit Cards to UPI: You can now use your HDFC RuPay Credit Cards on BHIM UPI and all other UPI-enabled apps. Thus, you will be able to make UPI payments, even when you don’t have enough funds in your bank account.
Some of the common HDFC credit card fees and charges are mentioned in the table below:
| Fee Type | Amount |
| Joining/Annual Fee | Varies for all HDFC Bank credit cards |
| Finance Charges | Up to 3.75% p.m. | 45% p.a. (varies from card to card) |
| Late Payment Fee Excluding Infinia (Metal Edition) | For Outstanding Balance of – Up to Rs. 100: Nil |
Click here to view other associated fees and charges related to HDFC Bank credit cards.
Each credit card provider has its own set eligibility criteria which can vary for every credit card variant.
It is advisable to check whether you meet the eligibility requirements, like the minimum income required and age limit, before applying for your card of choice to minimise the chances of application rejection which may affect your credit score.
Given below are the common HDFC credit card eligibility criteria and the documents required during credit card application process that you must satisfy to apply for HDFC credit cards:
The minimum income requirement for some of the top HDFC credit cards is as follows:
| Credit Cards | Net Monthly Income for Salaried | ITR per annum for Self Employed |
| IndianOil HDFC Bank Credit Card | > Rs. 10,000 | > Rs. 6 lakh |
| Swiggy HDFC Credit Card | > Rs. 15,000 | > Rs. 6 lakh |
| HDFC Bank Millennia Credit Card | > Rs. 35,000 | > Rs. 6 lakh |
| HDFC Regalia Gold Credit Card | > Rs. 1 lakh | > Rs. 12 lakh |
| 6E Rewards XL IndiGo HDFC Bank Credit Card | > Rs. 1.2 lakh | > Rs. 14.4 lakh |
| HDFC Bank Diners Club Black Metal Edition Credit Card | > Rs. 1.75 lakh | > Rs. 21 lakh |
You can apply for HDFC credit cards via Paisabazaar through a completely digital process. Follow the steps given below:
Step 1: Enter your mobile number in the form on the top of this page to begin the application process.
Step 2: Provide the OTP sent on the mobile number for verification.
Step 3: Check and compare the cards you are eligible for from the list of pre-qualified card offers.
Step 4: Select and apply for the best credit card.
Step 5: Provide the required documents for smooth processing of the application and submit the completed application.
Once HDFC Bank verifies the documents and approves your application, you can expect the credit card to reach you within 10 working days.
In case you are unable to view the card of choice at our end, you may visit and apply directly at the bank’s website.
A. You can make your HDFC Bank credit card bill payment through online and offline methods. To pay your HDFC card bill online, you can use HDFC net banking or mobile banking facility. You can also use HDFC mobile app or HDFC credit card bill desk to make the payment online. To pay the bills offline, you can visit the nearest branch of the bank and pay via cheque or cash.
A. Yes, to apply offline, you can visit the nearest branch of the bank and contact an executive regarding the application process. You need to fill out and submit an application form along with the required documents. The bank will verify your documents and process your application.
A. If you are already an HDFC Bank customer having a salary/savings/current account with the bank, you can easily link your credit card to your net banking service. However, if you have got an HDFC bank credit card but do not avail any other service from the bank, you can still register for HDFC credit card net banking. Follow this process:
A. Visit HDFC Bank’s official website, then go to the ‘Credit Cards’ section, scroll down to the ‘Important Links’, then you will be redirected to another page. Here, you can check HDFC credit card status online using a combination of any of these details:
A. The bank may offer you a higher limit, when you have been using your card for a long time, utilise a significant portion of the available limit and make timely payments. You will be conveyed your enhanced limit via SMS or email which you need to approve.
However, if the bank does not offer you a higher limit on its own, you can request a limit increase by speaking to the customer service executive or by writing a letter to the bank. In this case, you may also be required to submit your latest income documents.
A. The income requirement is different for each HDFC Bank credit card. Usually entry-level credit cards have a lower income requirement, in comparison to premium and invite-only cards. For instance, HDFC Moneyback, which is an entry-level card, has the minimum income requirement of Rs. 25,000 p.m.
Whereas, HDFC Regalia Credit Card has the minimum income criteria of Rs. 1 lakh p.m. You can check the income requirement for each card on the respective card page on HDFC Bank’s official website.
A. HDFC Bank prefers to give credit cards to people who have good credit scores (preferably above 750). However, the bank also offers entry-level credit cards that are designed for people who are new to credit. You can apply for such cards if you want to start your credit journey. Besides this, if you have a salary account with the bank, you will have better chances of credit card approval.
A. If you don’t meet the eligibility criteria or some internal policies of HDFC Bank, then the bank may reject your request. Generally, the bank sends a message on your registered mobile number regarding your application status. Additionally, you can also call on the HDFC credit card customer care number and ask the representative about your query regarding rejection.
A. You can contact HDFC credit card customer care on 1800 1600 / 1800 2600 (toll free). This number is accessible across India. Additionally, if you have any other query, you can also fill a feedback form by visiting the official website of the bank. The email address for HDFC customer care is customerservices.cards@hdfcbank.com.
A. Yes, HDFC Bank offers loans on credit cards to select cardholders. You can avail the ‘Insta Loan’ facility wherein the amount is deducted from your available credit limit. However, HDFC Bank also offers ‘Insta Jumbo Loan’ which is a personal loan against credit card. Eligible loan amount and interest rates vary from one user to another.
A. Currently, HDFC Bank does not offer lifetime free credit card. However, the bank occasionally offers promotional lifetime free offers on select cards. You can contact HDFC Bank’s customer care to check if any current offers apply. For entry-level credit cards with relatively lower eligibility criteria, you consider options like HDFC MoneyBack+, HDFC Bank Times Card, and Swiggy HDFC Credit Card.
A. To redeem your HDFC credit card reward points, log in to your Net Banking account. Once logged in, go to the ‘Cards’ section, select ‘Redeem Rewards,’ and choose the category you’d like to redeem for—such as vouchers, travel, products, or cashback.
Quick Read: Best Rewards Credit Card
A. To check if your HDFC credit card offers airport lounge access, visit HDFC Bank’s website, navigate to your specific credit card’s page, and review its benefits. You can also check your welcome kit, which generally details lounge access benefits, including eligible lounges and terms. Additionally, you can also contact customer care of the bank to confirm lounge access benefits and eligibility.
A. Yes, HDFC Bank offers two fuel credit cards: HDFC Bharat Cashback Credit Card and HDFC IndianOil Credit Card. Both cards offer accelerated rewards or cashback on fuel purchases at partner brands. Additionally, you can earn base rewards or cashback on other eligible purchases, making these cards suitable options for fuel savings and everyday spends.
