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HDFC Bank Credit Card

Apply online for HDFC Bank Credit Card: Check your HDFC Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓Reward Points ✓ Apply Online instantly at IndiaLends ✓ Get instant approval on HDFC Bank Credit Cards.

How it Works

Apply for a Credit Card online by filling an easy application form.

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Choose a Credit Card which best suits your needs and lifestyle.

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Receive instant approval on your HDFC Bank Credit Card.

Basic Eligibility Criteria

Good Credit Score

Above 18 Years of Age

Self-Employed or Salaried Professional

Resident of India

Valid Bank Account

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table for HDFC Bank Credit Cards

IndiaLends brings an extensive list of HDFC Bank credit cards online with the sole purpose of catering to all types of consumers. The bank has designed these credit cards to best suit all the needs of customers, ranging from shopping to lifestyle to corporate requirements, and more. All the cards from HDFC Bank come with exciting benefits and reward points.

Apply for our range of HDFC Bank Credit Cards online in less than 2 minutes. Check your eligibility in the HDFC Bank eligibility section below, and compare the range of HDFC Bank credit cards.

Name of the HDFC Bank Credit Card	Fees	Rewards	HDFC Credit Card Eligibility
HDFC Bank Times Titanium Credit Card	Joining fee - Rs.500 Annual fees - Rs.500	5 Reward Points on every Rs.150 spent for Weekday Dining	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.15,000 or above (for Salaried) - ITR of Rs.2,00,000 or above (for Self Employed)
HDFC Bank MoneyBack Credit Card	Joining fee - Rs.500 Annual fees - Rs.500	Earn 2 Reward Points for every Rs.150 of Retail spends Earn 4 Reward Points for every Rs.150 of Online spends	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.15,000 or above (for Salaried) - ITR of Rs.2,00,000 or above (for Self Employed)
HDFC Bank Bharat Credit Card	Joining fee - Rs.500 Annual fees - Rs.500	Earn 5% Cashback on spends at Fuel / IRCTC / Bill Payment & Recharges. Earn 5% Cashback on spends at PayZapp , EasyEMI , Smart Buy. Max CashBack is Rs.300/- per statement. (T&C applicable) CashBack points are stored as Reward Points and to be redeemed on customer request (1 Reward Point = Rs.1)	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.15,000 or above (for Salaried) - ITR of Rs.2,00,000 or above (for Self Employed)
HDFC Bank Freedom Credit Card	Joining fee - Rs.500 Annual fees - Rs.500	CashBack points are stored as Reward Points and to be redeemed on customer request (1 Reward Point = Rs.1)	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.15,000 or above (for Salaried) - ITR of Rs.2,00,000 or above (for Self Employed)
HDFC Bank Solitaire Credit Card	Joining fee - Rs.500 Annual fees - Rs.500	50% more Reward Points on dining and grocery spends.3 Reward Points on Rs.150 spent.	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.15,000 or above (for Salaried) - ITR of Rs.2,00,000 or above (for Self Employed)
HDFC Bank Diners ClubMiles Credit Card	Joining fee - Rs.1000 Annual fees - Rs.1000	Earn 4 Reward Points for every Rs.150 of Retail spends. Earn 40 Reward Points for every Rs.150 of Retail spends on select partners.	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.30,000 or above (for Salaried) - ITR of Rs.3,60,000 or above (for Self Employed)
Jet Privilege HDFC Bank Platinum Credit Card	Joining fee - Rs.2,500 Annual fees - Rs.2,500	Earn 4 JPMiles/ Rs.150 for all your retails spends except for fuel Earn 3x (12 JPMiles / Rs.150)* for all travel bookings made on jetairways.com	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.30,000 or above (for Salaried) - ITR of Rs.3,60,000 or above (for Self Employed)
HDFC Bank Regalia First Credit Card	Joining fee - Rs.1000 Annual fees - Rs.1000	4 Reward points for INR 150 spend.	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.60,000 or above (for Salaried) - ITR of Rs.2,00,000 or above (for Self Employed)
HDFC Regalia Credit Card	Joining fee - Rs.2,500 Annual fees - Rs.2,500	4 Reward points for INR 150 spend.	- Minimum 21 years of age & Maximum 60 years of age - Personal monthly income of Rs.1,20,000 or above (for Salaried) - ITR of Rs.1,20,00,00 or above (for Self Employed)

What our Customers are saying

Frequently Asked Questions

General Questions

Q. What is a Credit Card?

A. A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.

Q. How is a Credit Card different from a Debit Card?

A. A Debit Card allows you to withdraw money which has already been deposited in you Bank. Hence, the money that is being used is deducted from your Bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.

Q. What are the features of a Credit Card?

A. The features of a Credit Card are:

Credit Cards have universal acceptability.
For using a Credit Card, a customer has to pay a fixed sum as annual fees. However, financial
Institutions generally waive off the charges if the customer meet a certain criteria in terms of his expenditure behaviour.
Credit Cards also come with a Balance Transfer option, allowing the customer to transfer its balance to another card and avail the benefits of cheaper interest rates.
Customers can settle the balance with Monthly EMIs.
Credit Cards come with a 24/7 service, unlike other card forms.
Customers can easily pay off their utility bills using Credit Cards.

Q. What are the benefits of using a Credit Card?

A. Using a Credit Card comes with a lot of benefits:

Ease in payments while shopping, dining, travelling and settling bills.
Timely repayments on Credit Cards help in improving your Credit Score.
Access to premium services offered by the financial institution which issued the card.
Amazing discounts and cashbacks upon the purchases made using the card.
Access to more funds in times of immediate need
Expenditure tracking and monitoring using the modules offered.

Q. What is EMI? How is it calculated?

A. An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up during the tenure.

Q. Why will my Credit Card application be rejected?

A. If you have a bad Credit Score, have defaulted on repayments or don’t meet the basic criteria, you are likely to get rejected. If you do not meet the bank’s eligibility, you are likely to get rejected as well.

Credit Card Eligibility Questions

Q. What is the eligibility criteria for Credit Cards?

A. Anyone - whether self-employed or salaried professionals — with a regular source of income can apply for a Credit Card. One must be 18 years old at the time of applying. One must also have a good credit history to be eligible for a Credit Card. If you are interested in checking your credit history and learning about your credit worthiness before applying for a Credit Card, click here.

Q. What are the documents required for applying for a Credit Card?

A. Financial Institutions generally request for the following documents as identity and address proof. of Credit which is not related to your Personal bank accounts.

PAN Card
Passport
Driving License/Voter ID
Aadhar Card
Ration Card

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:

Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:

Purpose of the Credit Card
Expense behaviour to select the best Reward Scheme
Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
Any active loan/heavy EMI payment
Interest Rate on the card
Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.