HDFC Credit Card: A Comprehensive Guide with List

HDFC Credit Card: A Comprehensive Guide with All List and primary information:

If you are looking for a reliable credit card in India, then HDFC credit cards can be a great option to be considered. HDFC Bank is one of the leading banks in India, and it offers a range of credit cards that cater to different lifestyles and needs.

So in this article, we will take a closer look at HDFC credit cards, including all the card options, their benefits, fees etc.

1. Introduction to HDFC Credit Cards

HDFC Bank offers a range of credit cards that cater to different lifestyles and needs. Whether you are looking for a premium credit card with exclusive benefits or a basic credit card for everyday use, HDFC credit cards have something for everyone. It offers Travel, Fuel, Online Shopping, Lifestyle, Premium, Rewards and Cashback, Super premium, EMI cards.

HDFC credit cards offer various benefits like reward points, cashback, discounts, and more, making them an excellent choice for those who want to maximize their spending.

2. List of HDFC Credit Cards

Here are the different types of HDFC credit cards you can choose from:

2.1. HDFC Regalia Credit Card:

HDFC Regalia Credit Card is a premium credit card that offers a key of benefits like lounge access, travel benefits, reward points, and more.
The card comes with an annual fee of ₹ 2,500 and is best suited for those who travel frequently.

Key Features :

Joining Benefit: 1 year Complimentary membership of Dineout Passport.
Lounge Access: 12 complimentary domestic lounge access each year.
Priority Pass: Complimentary membership of Priority Pass with 6 free visits in each year.
Reward Points: 4 reward points per ₹ 150 spent, except fuel
Benefits on milestones: 10,000 reward points upon reaching spends of Rs. 5 Lakh in a year. Get an additional 5,000 reward points on spending ₹. 8 Lakhs in a year.
Reward redemption portal is provided by HDFC.

2.2. HDFC Regalia Gold Credit Card

Experience the Golden Side Of Life, one more premium credit card that offers good benefits.
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.

Additional benefits:
₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!

| Know more : Axis Bank Vistara Card – Club Vistara – Read more

2.3. HDFC Regalia First Credit Card

HDFC Regalia First Credit Card is a premium credit card that offers benefits like lounge access, travel benefits, reward points, and more.
The card comes with an annual fee of ₹ 1,000 and is best suited for those who want a premium credit card without paying a high annual fee.

2.4. HDFC Millennia Credit Card

HDFC Millennia Credit Card is a credit card designed for millennials. It offers benefits like cashback, reward points, discounts on shopping, and more.
The card comes with an annual fee of INR 1,000 and is best suited for those who shop frequently.

Key Features :
⇰ 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
⇰ 1% cashback on all other spends except Fuel.
⇰ ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
⇰ 8 Complimentary Domestic Airport Lounge access per year.

2.5. HDFC Diners Club Black Credit Card

HDFC Diners Club Black Credit Card is a premium credit card that offers benefits like lounge access, travel benefits, reward points, and more.

Key Features:

⇰ Annual fee – ₹ 10,000
⇰ Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK and Times Prime
⇰ Complimentary Ola, cult.fit Live, BookMyShow, TataCliQ vouchers on spends of over Rs. 80,000 every month
⇰ 5 Reward Points for every ₹ 150 spent
⇰ 10X Reward Points via SmartBuy
⇰ Unlimited Complimentary Airport Lounge Access

2.6. HDFC Diners Club Privilege Credit Card

HDFC Diners Club Privilege Credit Card is a premium credit card that offers benefits like lounge access, travel benefits,

Key Benefits:

⇰ Complimentary Annual memberships of Amazon Prime, Swiggy One, MMT BLACK, Times Prime
⇰ Complimentary Ola, Cult.fit Live, BookMyShow, TataCliQ vouchers on spends of over ₹ 40,000 every month
⇰ 4 Reward Points for every ₹ 150 spent
⇰ 10X Reward Points on spends via SmartBuy
⇰ Complimentary Golf games across the finest courses in the world
⇰ 12 complimentary Airport Lounge Access worldwide

2.7. HDFC MoneyBack Credit Card

HDFC MoneyBack Credit Card is a basic credit card that offers benefits like cashback, reward points, and more. The card comes with an annual fee of INR 500 and is best suited for those who want a credit card for everyday use.

2.8. HDFC Platinum Times Credit Card

HDFC Platinum Times Credit Card is a credit card that offers benefits like reward points, discounts on movie tickets, dining, and more. The card comes with an annual fee of INR 1,000 and is best suited for those who want a credit card that offers discounts on entertainment and dining.

2.9. HDFC Business Regalia Credit Card

HDFC Business Regalia Credit Card is a credit card designed for business owners. It offers benefits like reward points, travel benefits, and more. The card comes with an annual fee of INR 5,000 and is best suited for those who own a business.

2.10. HDFC Infinia Credit Card

HDFC Infinia Credit Card is a premium credit card that offers benefits like lounge access, travel benefits, reward points, and more. The card comes with an annual fee of INR 10,000 and is best suited for those who want exclusive benefits.

2.11. HDFC Easy EMI Credit Card

HDFC Easy EMI Credit Card is a credit card that offers benefits like easy EMI options, reward points, and more. The card comes with an annual fee of INR 500 and is best suited for those who want a credit card that offers easy EMI options.

2.12. HDFC Freedom Credit Card

HDFC Freedom Credit Card is a credit card that offers benefits like reward points, cashback, and more. The card comes with no annual fee and is best suited for those who want a basic credit card for everyday use.

2.13. HDFC Bharat Credit Card

HDFC Bharat Credit Card is a credit card that offers benefits like cashback, reward points, and more. The card comes with no annual fee and is best suited for those who want a credit card for everyday use.

2.14. HDFC Solitaire Credit Card

HDFC Solitaire Credit Card is a credit card designed for women. It offers benefits like reward points, cashback, and more. The card comes with an annual fee of INR 500 and is best suited for women who want a credit card that caters to their needs.

There are some other cards like fuel cards, travel card, business card, entertainment card, commercial cards etc.

3. HDFC Credit Card Eligibility

To be eligible for an HDFC credit card, you need to meet certain eligibility criteria. The eligibility criteria may vary depending on the type of credit card you choose. Generally, the eligibility criteria for HDFC credit cards include:

Age: You should be at least 18 years old and not more than 70 years old.
Income: You should have a stable income source and meet the minimum income criteria set by HDFC Bank.
Credit score: You should have a good credit score, usually above 750.
Employment status: You should be employed or self-employed.

4. HDFC Credit Card Application Process

You can apply for an HDFC credit card online or by visiting the nearest HDFC Bank branch. Here are the steps to apply for an HDFC credit card online:

Visit the HDFC Bank website and navigate to the credit card section.
Select the credit card you want to apply for and click on the “Apply Online” button.
Fill out the online application form with the required personal and financial details.
Upload the necessary documents such as proof of identity, address, and income.
Review the application form and submit it.
After submitting the application form, you will receive a confirmation message along with an application reference number.
HDFC Bank will then verify your application and documents. If everything is in order, your credit card will be approved and delivered to your registered address within a few days.

5. HDFC Credit Card FAQs

What is the minimum income requirement for HDFC credit cards?

The minimum income requirement for HDFC credit cards varies depending on the type of credit card. Generally, the minimum income requirement is between INR 15,000 to INR 1,20,000 per month.

How can I check the status of my HDFC credit card application?

You can check the status of your HDFC credit card application by visiting the HDFC Bank website and navigating to the credit card section. Click on the “Track Your Application” button and enter your application reference number and registered mobile number to check the status.

How can I make HDFC credit card payments?

You can make HDFC credit card payments through various modes such as net banking, mobile banking, auto debit, cheque, and cash payment at HDFC Bank branches.

What is the annual fee for HDFC credit cards?

The annual fee for HDFC credit cards varies depending on the type of credit card. It can range from zero to INR 10,000.

What is the credit limit for HDFC credit cards?

The credit limit for HDFC credit cards varies depending on the type of credit card and your creditworthiness. The credit limit can range from INR 10,000 to several lakhs.

6. Conclusion

HDFC Bank offers a wide range of credit cards that cater to the needs of different customers. Whether you are looking for a basic credit card for everyday use or a premium credit card with exclusive benefits, HDFC Bank has something for everyone. Before applying for an HDFC credit card, make sure to check the eligibility criteria and choose the credit card that best suits your needs. With HDFC credit cards, you can enjoy a range of benefits such as reward points, cashback, discounts on shopping, dining, and entertainment, travel benefits, and more. Apply for an HDFC credit card today and start enjoying the benefits!

Finally we will see some safety tips.

Safety Tips:

Keep your credit card and PIN secure: Always keep your credit card and PIN in a safe place and do not share them with anyone.
Avoid using public Wi-Fi for online transactions: Public Wi-Fi networks may not be secure and can leave you vulnerable to fraudsters. Always use a secure Wi-Fi network or your mobile data for online transactions.
Sign up for SMS alerts: HDFC Bank offers SMS alerts for credit card transactions. Sign up for these alerts to keep track of your credit card transactions in real-time.
Report lost or stolen credit cards immediately: If you lose your credit card or it gets stolen, report it to HDFC Bank immediately to avoid any unauthorized transactions.

By following these safety tips, you can protect yourself from credit card fraud and enjoy a safe and secure experience while using your HDFC credit card.

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