How to Apply HDFC Credit Card?

"Apply for an HDFC Bank Credit Card in 3 easy steps. Get attractive offers, rewards points, and exclusive privileges on HDFC credit cards online."

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8 mins read

Published: 16 February 2024

Updated: 16 February 2024

Credit cards are a way which is helpful to buy things cashless and you repay the amount afterward. They also give you the benefits of cashback and points. They can increase your credit score rating. HDFC Bank is a large bank in India that offers many kinds of credit cards. In this article, we will guide you on how to get an HDFC credit card. We will also explain what are the advantages of it, who is eligible for it, what documents you need, how much fees you need to pay, and some other helpful advice.

HDFC Credit Card Benefits and Features

HDFC credit cards come with many benefits and features, such as:

  • Free airport lounge access
  • Welcome bonus and reward points
  • Cashback and discounts on shopping, dining, travel, and more
  • Fuel surcharge waiver and zero liability on lost card
  • EMI and loan options on credit card
  • Balance transfer and lifetime free cards
  • Online and mobile banking services
  • Customer care and grievance redressal

HDFC Credit Card Types

HDFC Bank offers a variety of credit cards to suit different needs and lifestyles, such as:

  1. HDFC Regalia Credit Card: For travel and lifestyle benefits
  2. HDFC Diners Club Black Credit Card: For global privileges and rewards
  3. HDFC MoneyBack Credit Card: For cashback on everyday spending
  4. HDFC Bharat CashBack Credit Card: Useful for cashback on fuel, groceries, and bills.
  5. HDFC Platinum Times Credit Card: This card comes with discounts on movies, dining, and entertainment
  6. HDFC Business Regalia Credit Card: This card is beneficial for business travel and corporate purposes.
  7. HDFC Bank Rupay Credit Card: For online and offline transactions with the Rupay network
  8. HDFC Bank IRCTC Credit Card: For railway bookings and travel benefits.

HDFC Bank Credit Card Eligibility Criteria

To apply for an HDFC credit card, you need to meet the following eligibility criteria:

  • Only Indian citizens are eligible to apply for the credit card.
  • The age range should be between 21 to 60 years.
  •  Need a regular source of income for salaried or self-employed
  • A good credit score is required.
  • Should have a valid document for identity, address, and income.

Documents Required to Apply HDFC Credit Card

To apply HDFC credit card online, you need to submit the following documents along with your application form:

  • Identity proof: PAN card, aadhaar card, passport, driving license, voter ID, etc.
  • Address proof: Aadhaar card, passport, driving license, voter ID, utility bill, bank statement, etc.
  • Income proof: Salary slip, income tax return, bank statement, audited financial statement, etc.
  • Photograph: A recent passport-sized color photograph

How to Apply HDFC Credit Card Online

To know how to apply HDFC credit card online, you can follow these steps:

  • Visit the HDFC Bank website and click on "Apply for Credit Card" under the "Cards" section
  • Choose the credit card that suits your needs and preferences and click on "Apply Online"
  • Fill in the online application form with your personal, professional, and financial details
  • Upload the scanned copies of your documents and submit the form
  • You will receive an application reference number and a confirmation message on your email and mobile number
  • You can track the status of your application online using the reference number

How to Apply HDFC Credit Card Offline

To know how to apply HDFC credit card offline, you can follow these steps:

  • Visit the nearest HDFC Bank branch and ask for a credit card application form
  • Fill in the application form with your personal, professional, and financial details
  • Attach the copies of your documents and a photograph and submit the form
  • You will receive an application reference number and a confirmation message on your email and mobile number
  • You can track the status of your application online using the reference number

Fees and Other Charges of HDFC Bank Credit Card

HDFC Bank charges various fees and charges for its credit cards, such as:

Fee/Charge

Amount

Joining fee

Varies from card to card, ranging from Rs. 0 to Rs. 10,000

Annual fee

Varies from card to card, ranging from Rs. 0 to Rs. 10,000

Renewal fee

Varies from card to card, ranging from Rs. 0 to Rs. 10,000

Interest rate

Varies from card to card, ranging from 1.99% to 3.49% per month

Cash advance fee

2.5% of the amount withdrawn or Rs. 500, whichever is higher

Late payment fee

Varies from card to card, ranging from Rs. 100 to Rs. 950, depending on the outstanding balance

Over limit fee

2.5% of the over-limit amount or Rs. 500, whichever is higher

Foreign currency transaction fee

3.5% of the transaction amount

GST

18% on all fees, charges, and interest

How to Check HDFC Credit Card Application Status

To check the status of your HDFC credit card application, you can follow these steps:

  • Visit the HDFC Bank website and click on "Track your Credit Card Application" under the "Cards" section
  • Enter your application reference number or your mobile number and date of birth
  • Click on "Submit" and view your application status
  • You can also call the HDFC Bank customer care number and provide your application reference number to check your status

How to Activate HDFC Credit Card

To activate your HDFC credit card, you can follow these steps:

  • Visit the HDFC Bank website and login to your net banking account
  • Click on "Cards" and select your credit card
  • Click on "Credit Card ATM PIN" and generate your PIN
  • You will receive an OTP on your registered mobile number
  • Enter the OTP and confirm your PIN
  • Your credit card will be activated and ready to use
  • You can also activate your credit card by calling the HDFC Bank customer care number and following the instructions

What is the Process of HDFC Credit Card PIN Generation

To generate your HDFC credit card PIN, you can follow these steps:

  • Visit the HDFC Bank website and login to your net banking account
  • Click on "Cards" and select your credit card
  • Click on "Credit Card ATM PIN" and generate your PIN
  • You will receive an OTP on your registered mobile number
  • Enter the OTP and confirm your PIN
  • Your credit card PIN will be generated and ready to use
  • You can also generate your credit card PIN by visiting the nearest HDFC Bank ATM and following the instructions

HDFC Credit Card Login New User

To login to your HDFC credit card account as a new user, you can follow these steps:

  • Visit the HDFC Bank website and click on "Login" under the "NetBanking" section
  • Click on "Register" and enter your customer ID and credit card number
  • You will receive an OTP on your registered mobile number
  • Enter the OTP and set your password
  • Your net banking account will be created and you can login with your customer ID and password
  • You can also register for net banking by calling the HDFC Bank customer care number and following the instructions
  • How to Close HDFC Credit Card

To close your HDFC credit card, you can follow these steps:

  • Clear all your outstanding dues and charges on your credit card
  • Call the HDFC Bank customer care number and request for credit card closure
  • You will receive a confirmation message and a reference number on your email and mobile number
  • Cut your credit card diagonally and dispose it safely
  • You can also close your credit card by visiting the nearest HDFC Bank branch and submitting a credit card closure form

Conclusion

We hope this article has helped you understand how to apply HDFC credit card online, the benefits and features of HDFC credit cards, the eligibility criteria, the documents required, the fees, and some other useful tips. If you are looking for a reliable and convenient way to get an HDFC credit card, you can visit our website and apply online. We are Mudra Lending Institution, a trusted partner of HDFC Bank, and we offer hassle-free and quick credit card services. You can choose from a wide range of HDFC credit cards and get instant approval and delivery. You can also enjoy exclusive offers and discounts from our partners and merchants. To apply for an HDFC credit card with us, just fill in a simple form and upload your documents. We will take care of the rest and help you get your credit card in no time.

Also read:  HDFC Bank Personal Loan Online Apply

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