HDFC Bank Credit Card – Features, Benefits, Fees & Apply 2023

HDFC Bank Credit card, HDFC Bank is one of the top leading private banks in India. They offer a huge range of different types of credit cards for their customers. Currently, they have 20 types of customized card variants for different needs.

These credit cards will come with different huge reward Programmes and discounts. From online shopping to dining, now you can go everywhere cashless with your HDFC Bank credit card. Choose one among this long list of variants per your requirement. 

HDFC Bank credit card variants 

There are mainly 10 types of variants offered by HDFC Bank credit cards. Let’s check out the list below 

1. Jet Privilege HDFC Bank Diners Club
2. HDFC Bank Millennia Credit Card
3. HDFC Bank Platinum Times Card
4. HDFC Bank Diners Club Miles card  
5. HDFC Bank Titanium Times Card
6. HDFC Bank Money Back Credit card
7. HDFC Freedom Credit Card
8. HDFC Bank Regalia Card
9. HDFC Bank Diners Club Black card
10. HDFC Bank Regalia First credit card

Also Check :

• West Bengal Student Credit Cards.
• IDFC First Bank Credit cards.
• Bank Of Baroda Credit cards.

Eligibility criteria to apply for HDFC Bank credit card 

There are a few eligibility criteria you need to check before applying, 

• HDFC Regalia credit card

• For a salaried person, the minimum gross income should be Rs. 13 lakh annually. 
• For self-employed, it should be a minimum of Rs. 12 lakhs annually. 

• HDFC Bank Diners Club Black card

• For a salaried person, the minimum gross income should be Rs. 21 lakh annually. 
• For self-employed, it should be a minimum of Rs. 21 lakhs annually. 

• HDFC Bank Regalia First credit card

• For a salaried person, the minimum gross income should be Rs. 4.8lakh annually. 
• For self-employed, it should be a minimum of Rs.5 lakhs annually

• HDFC Bank Diners Club Miles Credit card

• For a salaried person, the minimum gross income should be Rs.3.6 lakh annually. 
• For self-employed, it should be a minimum of Rs.3.6 lakhs annually

• HDFC Freedom card

• For a salaried person, the minimum gross income should be approx Rs.2 lakh annually. 
• For self-employed, it should be a minimum of Rs.2 lakhs annually

Apart from the above, there are some more criteria that you need to fulfil

• For a salaried person, the age bar should be between 21-60 years
• For self-employed, the age bar should be in between 21-65 years

Documents needed for HDFC Bank credit card 

Documents that you need to keep ready when applying online for an HDFC Bank credit card

• Identity proof photocopy any one of the following 

• PAN card 
• Ration card 
• Aadhaar card 
• Voter ID 
• Driving licence 
• Passport

• Address proof photocopy of anyone of the following 

• Recent electricity bill
• Telephone bill 
• Part ‘ration card 
• Rental agreement papers 
• Aadhaar card 
• Passport 

• Income proof photocopy for salaried person 

• Salary certificate 
• Last salary slip 
• Letter of employment

• Income proof photocopy for a self-employed person 

• Financial certificates
• Recent IT returns the paper  
• Audit of profit and loss statement
• Balance sheet 

Please note, the above list is subjective, it can vary person to person based on their profiles. 

Also Check :

• One Card Credit cards.
• Axis Bank Credit cards.

How to apply for an HDFC Bank credit card 

Now there is how you can apply for the HDFC Bank credit card through online, 

• First, you need to go to the official website of HDFC Bank. 
• After opening the official page, go to the credit cards option 
• Here you need to choose which HDFC credit card you need from the list as per your requirement.
• Then click on the ‘check eligibility’ button, to see the required criteria for this particular variant. 
• Next you will be prompted with a list of question. 
• Fill all the boxes correctly.
• And if you are eligible, then you are redirected to the online application form. 
• Here you need to fill all the box with required details. 
• Then click on the ‘submit’ option in the below of the page. 
• Now you will be asked to submit the documents
• Again, click on the submit button after submitting all the documents. 
• After completing the application, you get an acknowledgement message along with a unique application ID for further reference.   

How long does it take to get an HDFC Bank credit card 

After applying for an HDFC Bank credit card, it takes nearly two weeks or 14 working days to reach your doorstep. But in some cases it takes longer than usual, then you need to check your application status to know more about it. 

How to check the application status of HDFC Bank credit card 

After applying for HDFC Bank credit card if you want to check your application status you need to follow these following steps, 

1. Go to the official website of HDFC Bank
2. Click on the credit card option 
3. Then click on the Track application button. 
4. Put the application ID which send to your registered mobile number and email ID in the given box to know the status of your application. 
5. Here open a page with the status of your application. 

Fees and charges of HDFC Bank credit card 

Here is the list of fees and charges of different HDFC Bank credit cards.

HDFC Bank Regalia First Credit card

• There are no joining fees when you join through any of their authorised online partners. 
• For other regular applicants, it charges Rs. 1000 for joining fees. 
• Renewal fees of Rs. 2000 will be deducted from the second year. 
• If your last year’s spending more than Rs. 3 lacs, then the renewal fees of your HDFC Bank credit card are waived. 
• You can also get 1000 rewards points after paying the joining fees

HDFC Bank Dinners club black card

• There are no joining fees when you join through any of their authorised online partners. 
• For other regular applicants, it charges Rs. 10,000 for joining fees. 
• Renewal fees of Rs. 5000 will be deducted from the second year. 
• If your last year’s spending more than Rs. 5 lacs, then the renewal fees of your HDFC Bank credit card are waived. 
• You can also get 10,000 rewards points after paying the joining fees

HDFC Freedom credit card

• The joining fee for the HDFC Freedom credit card is Rs. 500
• Renewal fees of Rs. 500 need to pay from the 2nd year. 
• In case your annual pay for the previous year is moreover Rs. 60,000 then the renewal fee is waived back. 
• HDFC Freedom credit card offers 500 reward points after paying the joining fees. 

HDFC Bank Regalia credit card

• There are no joining fees when you join through any of their authorised online partners. 
• For other regular applicants, it charges Rs. 2500 for joining fees. 
• Renewal fees of Rs. 2500 will be deducted from the second year. 
• If your last year’s spending more than Rs. 3 lacs, then the renewal fees of your HDFC Bank credit card are waived. 
• You can also get 2500 reward points after paying the joining fees. 

HDFC Bank Money Back credit card

• The joining fee of the HDFC Money-Back credit card is Rs. 500
• Renewal fees of Rs. 500 you need to pay from 2nd year. 
• HDFC Bank Moneyback credit card offers 500 reward points after paying the joining fees. 

HDFC Bank Titanium Times card

• The joining fee for the HDFC Freedom credit card is Rs. 500
• Renewal fees of Rs. 500 need to pay from the 2nd year. 

HDFC Bank Diners Club Miles card

• The joining fee of the HDFC Bank Diners Club Miles card is Rs. 1000
• Renewal fees of Rs. 1000 you need to pay from 2nd year. 
• HDFC Bank Diners Club Miles card offers 1000 reward points after paying the joining fees. 

HDFC Bank Platinum Times credit card

• The joining fee for the HDFC Freedom credit card is Rs. 1000
• Renewal fees of Rs. 1000 need to pay from the 2nd year. 

Jet Privilege HDFC Bank Diners Club

• The joining fee for Jet Privilege HDFC Bank Diners Club is Rs. 10,000
• Renewal fees of Rs. 5000 will be deducted from the second year. 
• If your last year’s spending more than Rs. 8 lacs, then the renewal fees of your HDFC Bank credit card are waived. 
• You can also get a 30,000 JP Miles bonus and 115 Jet Privilege Tier points within the first 90 days.  After paying the joining fees

Benefits of HDFC Bank credit card 

• Jet Privilege HDFC Bank Diners Club

• 8 JP Miles for every Rs. 150 spent 
• 3x JP Miles on every flight booking 
• Get a welcome gift of up to 10,000 extra JP Miles 
• When using JET airways, get one-way base ticket charges rebated. 
• HDFC Bank Millennia Credit Card

• HDFC Bank Platinum Times Card

• 4000 additional JP Miles as a welcome gift
• When using JET airways, get one-way base ticket charges rebated.
• 5 JP Miles for every Rs. 150 spent 
• 15 JP Miles on every flight booking 
• Extra 5% off base charge for flight ticket booking. 

• HDFC Bank Diners Club Miles card  

• Get a special entry card to your favourite golf clubs across India as a Green Fee Player
• Travel coupon worth Rs.750 for every Rs.1000 points collected. 
• You can redeem the points as cash to book air tickets and hotel bookings. 

• HDFC Bank Titanium Times Card

• Earn 2 reward points after every Rs.150 spend on your card.
• On dining expenses, get additional 50%% reward points. 
• For every Rs. 250 fuel transaction, get fuel surcharge waivers. 
• In case of loss of your credit card, you can enjoy zero liability on any fraudulent transaction. 

• HDFC Bank Money Back Credit card

• Get 2x more rewards on online shopping 
• After every Rs. 50,000 spend quarterly and get an e-voucher worth Rs 500. 
• Free accidental death coverage up to Rs. 50 lakhs. 

• HDFC Freedom Credit Card

• 5x more rewards on dining, shopping and entertainment, ticket booking, cab booking and grocery spending.
• On HDFC, PayZapp and Smart BUY spends gee10x more rewards.
• 25 times more rewards on birthday spend
• On annual spends above Rs. 90,000 get a gift voucher worth Rs. 1000
• Complimentary accidental death coverage up to Rs.  50 lakhs.

• HDFC Bank Regalia Card

• Get complimentary Priority Pass Membership that gives access to more, than700 airport lounges. 
• For every Rs. 150 spent, get 4 reward points
• 15,000 reward points on achieving annual spending up to Rs.8 lakhs. 
• 2% foreign currency markup fees on all international spends. 
• Free accidental death coverage. 

• HDFC Bank Diners Club Black card

• 24/7 concierge services at both local and international locations. 
• Complimentary accidental death coverage. 
• Unlimited airport lounge access across the globe 
• 6 complimentary golf games every quarter across India and abroad. 
• 5x reward points on every Rs. 150 spent

• HDFC Bank Regalia First credit card

• Get complimentary Priority Pass Membership that gives access to more, than700 airport lounges.
• Up to 15% discounts on premium restaurants.
• 7,500 reward points on achieving annual spending up to Rs.6 lakhs. 
• 2% foreign currency markup fees on all international spends. 
• 8 complimentary domestic lounge access. 
• Complimentary accidental death coverage. 

All the rewards are subject to change as per bank rules, upgrade and different card variants. 

FAQs:

Conclusion

HDFC Bank offers a wide range of credit card variants which is almost 30 in the count, but only 10 will be valid in India. Above, we discuss these 10 variants of credit card details. Their variants of credit cards make them unique from the other banks.

They are one of the most leading private bank in India. Hope this article will help you to know all the details about their Indian variants of credit cards so you can easily apply for their credit cards.