HDFC Credit Card: Types, Eligibility Criteria And Apply Online

HDFC Credit Card: HDFC Bank, one of India’s leading private-sector banks, offers a wide range of credit cards to suit different customer needs. Whether you are looking for cashback, rewards, travel benefits, or lifestyle privileges, HDFC Bank has a credit card designed to fit your financial requirements.

With attractive features such as reward points, cashback, fuel surcharge waivers, lounge access, and EMI options, HDFC credit cards have become a popular choice among customers.

In this article, we will explore HDFC credit cards, their benefits, and a step-by-step guide on how to apply for an HDFC credit card.

Why Choose an HDFC Credit Card?

HDFC Bank offers various credit cards with exclusive benefits across multiple categories. Here are some reasons why you should consider getting an HDFC credit card:

Wide Range of Options: HDFC Bank provides credit cards tailored to different needs, such as shopping, travel, fuel, entertainment, and business.

Reward Points Program: Customers earn reward points on transactions, which can be redeemed for gifts, vouchers, and cashback.

Exclusive Travel Benefits: Many HDFC credit cards offer complimentary airport lounge access, travel insurance, and discounts on flights and hotels.

Fuel Surcharge Waiver: HDFC credit cards help you save money on fuel by offering surcharge waivers at select petrol pumps.

Cashback and Discounts: Get attractive cashback offers and discounts on shopping, dining, and online transactions.

EMI Conversion: Convert high-value purchases into easy monthly installments (EMIs) at low-interest rates.

Contactless Payments: HDFC credit cards come with a contactless feature for fast and secure transactions.

Types of HDFC Credit Cards

HDFC Bank offers various credit cards categorized based on benefits. Below are some of the most popular HDFC credit cards:

1. HDFC Regalia Credit Card

• Best for frequent travelers.
• Benefits include free airport lounge access, reward points, and travel insurance.

2. HDFC Millennia Credit Card

• Ideal for online shoppers.
• Earn cashback on Amazon, Flipkart, Swiggy, and other e-commerce platforms.

3. HDFC MoneyBack Credit Card

• Best for cashback lovers.
• Earn reward points that can be converted into cashback.

4. HDFC Diners Club Black Credit Card

• Premium card for high-net-worth individuals.
• Offers unlimited airport lounge access, golf privileges, and concierge services.

5. HDFC IndianOil Credit Card

• Best for fuel savings.
• Provides fuel surcharge waivers and accelerated rewards on fuel transactions.

6. HDFC Infinia Credit Card

• Ultra-premium card with luxury benefits.
• Unlimited airport lounge access, high reward points, and concierge services.

Eligibility Criteria for HDFC Credit Cards

Before applying for an HDFC credit card, you must check whether you meet the eligibility requirements. The eligibility criteria generally include:

1. Age Requirement

• Primary cardholder: 21 to 60 years
• Add-on cardholder: Minimum 18 years

2. Income Criteria

• Salaried professionals: Minimum monthly income of ₹20,000 (varies based on the card type).
• Self-employed individuals: Minimum annual income of ₹6 lakh (varies based on the card).

3. Credit Score

• A good credit score (usually 700 or above) increases your chances of approval.

4. Employment Status

• Applicants must be salaried or self-employed with a stable income.

5. Residential Status

• Indian residents and Non-Resident Indians (NRIs) can apply for HDFC credit cards

Documents Required for HDFC Credit Card Application

To apply for an HDFC credit card, you need to provide the following documents:

• Identity Proof: PAN Card (mandatory),Aadhaar Card or Passport or Voter ID or Driving License
• Address Proof: Aadhaar Card or Utility Bills or Rent Agreement or Passport.
• Income Proof: Salary slips (last three months) for salaried employees or Bank statements (last three months) or Income Tax Returns (ITR) for self-employed individuals.
• Passport-size Photographs: Recent passport-sized color photographs may be required.

How to Apply for an HDFC Credit Card?

You can apply for an HDFC credit card through both online and offline methods. Below is a step-by-step guide for each method.

1. Online Application Process

Applying for an HDFC credit card online is quick and hassle-free. Follow these steps:

Step 1: Visit the Official Website

Go to the HDFC Bank website and navigate to the “Credit Cards” section.

Step 2: Compare Credit Cards

Browse through different HDFC credit cards and compare their benefits. Choose the one that best suits your needs.

Step 3: Click on ‘Apply Now’

After selecting a card, click on the “Apply Now” button to start the application process.

Step 4: Fill Out the Application Form

Enter your personal details, such as name, mobile number, email, PAN card number, income details, and residential address.

Step 5: Upload Documents

Upload the required KYC documents, including identity proof, address proof, and income proof.

Step 6: Submit the Application

Review your details and submit the application form. You will receive an application reference number for tracking the status.

2. Offline Application Process

If you prefer to apply in person, follow these steps:

Step 1: Visit an HDFC Bank Branch

Go to your nearest HDFC Bank branch and request a credit card application form.

Step 2: Fill Out the Form

Provide accurate details such as name, date of birth, employment details, and income information.

Step 3: Submit Required Documents

Attach photocopies of the necessary documents (identity proof, address proof, and income proof).

Step 4: Submit the Application

Hand over the completed form and documents to the bank representative. They will verify the details and process your application.

How to Check HDFC Credit Card Application Status?

You can track your HDFC credit card application status online or offline:

1. Online Method

• Visit the HDFC Bank credit card application tracking page.
• Enter your application reference number and mobile number.
• Click on “Submit” to view your application status.

2. Offline Method

• Call HDFC customer care and provide your application reference number to get an update.
• Visit the nearest HDFC branch and inquire about your application status.

Conclusion

HDFC credit cards offer a wide range of benefits, making them an excellent choice for different financial needs. Whether you are a frequent traveler, online shopper, or business professional, there is an HDFC credit card for you.

The application process is simple and can be done online or offline. By ensuring eligibility and providing accurate documentation, you can enjoy the privileges of an HDFC credit card without hassle. Ai