All That You Need To Know About HDFC Credit Cards

All That You Need To Know About HDFC Credit Cards

HDFC credit cards have been in the news recently. The RBI barred the bank from issuing new cards in December 2020 due to several mobile and internet banking glitches in the last two years. However, recently the RBI lifted this ban on new card issuances, and HDFC plans to recover the lost momentum in a big way. 

HDFC is the largest credit card issuer in India, with over 14.8 million cards disbursed. It’s followed by SBI with 12 million cards and ICICI with 11.03 million cards. As the top credit card issuer in India, HDFC has an impressive portfolio of various credit cards to meet the needs of different customers. 

In this guide, we walk you through the different types of HDFC credit cards, how to contact HDFC credit card customer care and also share tips on how to select the right HDFC credit card that fits your needs. 

Why choose an HDFC credit card? 

Whether you’re looking to shop, travel, eat out, pay bills or fuel your vehicle, using an HDFC credit card will help you save big on your daily expenses while making the transaction convenient and seamless. 

All HDFC credit cards are designed to be 100% secure and convenient, making them the safer and smarter alternative to using cash. Additionally, HDFC credit cards come loaded with rewards, discounts and cashback, helping you maximise the benefits you get from them. 

Key Points to Know about HDFC Credit Cards

    • There are dozens of HDFC credit cards to suit varying customer needs. You can choose a credit card that matches your lifestyle requirements as well as eligibility. 
    • To qualify for a credit card, you require a minimum credit score and minimum monthly salary. You can check HDFC credit card eligibility on the bank’s website by entering your age, monthly salary and other details. 
    • HDFC credit cards are available to both HDFC Bank customers and non-bank customers. Yes, you can apply for and get an HDFC credit card, even if you don’t have a bank account with HDFC. 
    • You can manage all aspects of the card like:
      • Monitoring the spends
      • Checking the available credit limit
      • Paying credit card bills
      • Change the card PIN
      • Activating/deactivating the card 
      • Blocking the card
      • And more via the HDFC internet banking website or mobile app. 
    • HDFC has an efficient customer care team to help you with all your credit card queries. Connect with the customer care team on the following numbers: 
      • HDFC Credit Card Customer Care – 1800-258-6161
      • Customers from Ahmadabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, NCR should use the number 61606161
      • Customers from Chandigarh, Cochin, Indore, Jaipur and Lucknow must use the number 6160616

*Make sure to enter your STD code while connecting to the numbers mentioned above. For a complete list of HDFC credit card customer care numbers, visit the bank’s website. 

What are the types of HDFC credit cards?

  • Millennia Cards 

These cards are designed for young millennial who want to enjoy life to the max. These cards come with an array of lifestyle benefits adding value to the tech-savvy millennial shopper. The types of Millennia cards include:

Card Name Top Features Fees
Millennia credit card
  • 5% cashback on Flipkart, Amazon, flight and hotel bookings via SmartBuy and PayZapp
  • 2.5% cashback on all online spends 
  • 1% cashback on all offline spends
  • Eight complimentary access to domestic lounges annually
Joining fee/annual fee – Rs. 1000 per year
Easy EMI card
  • Conversion of spends over Rs. 10,000 into EMI for nine months
  • 5% cashback on Flipkart, Amazon, flight and hotel bookings via SmartBuy and PayZapp
  • 2.5% cashback on all online spends 
  • 1% cashback on all offline spends
Joining fee/annual fee – Rs. 500 per year
Millennia debit card
  • Cashback of up to Rs. 4800 per year
  • 5% cashback on shopping via PayZapp and SmartBUY 
  • 2.5% cashback on all online spends
  • 1% cashback on all offline spends 
Annual fee Rs. 500 per year
Millennia prepaid card
  • Cashback of up to Rs. 5000 per year
  • 5% cashback on shopping via PayZapp and SmartBUY 
  • 2.5% cashback on all online spends
  • 1% cashback on all offline spends
Annual fee Rs. 499 per year

 

  • Super Premium HDFC credit cards

These are the super exclusive premium credit cards from HDFC for high-net-worth individuals. 

Card Name Top Features Fees
Infinia credit card
  • Complimentary membership to Club Marriott for the first year
  • Unlimited lounge access at all airports across the globe
  • Five reward points on every Rs. 150 spent 
  • Unlimited complimentary golf games at all leading golf courses in India and select courses globally
  • Global personal concierge services 
It’s only by invitation. HDFC bank sends the invite to HNIs for card membership. 

Joining fee/annual fee – Rs. 10,000 per year

Diners Club Black credit card
  • Complimentary memberships to Amazon Prime, Zomato Pro, MMTDOUBLEBLACK, Club Marriott, Forbes and Times Prime 
  • Complimentary vouchers for BookMyShow, cure.fit, Ola Select, TataCliQ worth Rs. 80,000 per month
  • Unlimited lounge access at all airports across the globe
  • Five reward points on every Rs. 150 spent 
  • Unlimited complimentary golf games at all leading golf courses in India and select courses globally
  • Global personal concierge services
Joining fee/annual fee – Rs. 10,000 per year

 

  • HDFC Lifestyle credit cards

These cards are best suited for individuals who enjoy using credit cards for various lifestyle spends online and offline. They come with an array of lifestyle benefits and added rewards and discounts. 

Card Name Top Features Fees
Regalia credit card
  • Complimentary lounge access
  • Four reward points for every Rs. 150 spent
  • 15,000 Bonus reward points on spending Rs. 8 lakhs or more annually
Joining/annual fee – Rs. 2,500 per year
Diners Club Privilege credit card
  • Four reward points for every Rs. 150 spent, 10x reward points
  • Complimentary vouchers for various lifestyle brands worth Rs. 10,000 per month 
  • Complimentary annual memberships to top lifestyle brands
  • Complimentary golf games and airport lounge access globally at select places
Joining/annual fee – Rs. 2,500 per year
Moneyback credit card
  • 2 reward points for every Rs. 150 spent offline
  • 4 reward points for every Rs. 150 spent online
  • Gift vouchers worth Rs. 2000 per year
Joining/annual fee – Rs. 500 per year
Regalia First credit card
  • 4 reward points for every Rs. 150 spent
  • Complimentary priority pass membership
  • 15% discounts at partner dining outlets 
Joining/annual fee – Rs. 1000 per year
Diners ClubMiles credit card
  • 6 complimentary lounge visits globally in a year
  • Air accident cover of Rs. 1 crore
Joining/annual fee – Rs. 1000 per year
Freedom credit card
  • 1 reward point for every Rs. 150 spent 
  • Gift vouchers worth Rs. 1000 for annual spending above Rs. 90,000
Joining/annual fee – Rs. 500 per year

*The fee is waived for annual spending over Rs. 50,000

 

  • HDFC Entertainment credit cards

As the name implies, these cards are best suited for individuals who love entertainment. Using these cards for movies, dining rewards you with discounts and offers. 

Card Name Top Features Fees
Platinum Times card
  • 25% off on movies via BookMyShow
  • 20% on dining
  • 3 reward points for every Rs. 150 spent
  • 10 reward points for weekday dining
  • Numerous special offers via the Times Card web app 
Joining/annual fee – Rs. 1000 per year
Titanium Times card
  • 25% off on movies via BookMyShow
  • 15% on dining
  • 2reward points for every Rs. 150 spent
  • 5 reward points for weekday dining
  • Numerous special offers via the Times Card web app
Joining/annual fee – Rs. 500 per year

 

  • HDFC Travel credit cards

Are you an avid travel buff? Getting a travel credit card from HDFC will help you enjoy several discounts and offers on flight tickets, hotel vouchers, and dining. 

Card Name Top Features Fees
6E Rewards Indigo HDFC credit card
  • 2.5% 6E rewards on IndiGo
  • 2% rewards on entertainment, dining and grocery
  • 1% rewards on all other spends 
  • Convenience fee discounted tickets on IndiGo 
Joining/annual fee – Rs. 700 per year
6E Rewards XL Indigo HDFC credit card
  • 5% 6E rewards on IndiGo
  • 3% rewards on entertainment, dining and grocery
  • 2% rewards on all other spends 
  • Convenience fee discounted tickets on IndiGo
Joining/annual fee – Rs. 2,500 per year
InterMiles HDFC Bank Diners Club credit card
  • 25,000 InterMiles as welcome benefit
  • InterMiles Gold tier membership 
  • 2x InterMiles for hotels and flight tickets booked on InterMiles
  • Flight and hotel vouchers worth Rs. 5000 
Joining/annual fee – Rs. 5,000 per year
InterMiles HDFC Bank Signature credit card
  • 8000 InterMiles as welcome benefit 
  • Silver tier membership to InterMiles 
  • 2x InterMiles for flights, hotels booked via InterMiles
  • Complimentary lounge access at domestic and international airports
Joining/annual fee – Rs. 2,500 per year
InterMiles HDFC Bank Platinum credit card
  • 3000 InterMiles as welcome benefit 
  • 2x InterMiles for flights booked on InterMiles 
  • Flight and hotel vouchers worth Rs. 1500
  • 8 complimentary domestic lounge access in a year
Joining/annual fee – Rs. 1000 per year

 

  • HDFC Fuel credit cards

Looking to save on fuel costs? Check out the fuel credit cards from HDFC to earn fuel points on every spend. Redeem accumulated fuel points while refilling your vehicle. 

Card Name Top Features Fees
Indian Oil HDFC Bank credit card
  • Earn up to 50 liters of free fuel annually
  • 1 fuel point for every Rs. 150 spent on the card
  • Earn 5% of your spending as fuel points 
  • 1% fuel surcharge waiver 

 

What Is The CIBIL™ Score Needed For An HDFC Bank Credit Card

Choose the Right HDFC Credit Card & Maximize your Benefits

Compare the features and fees of the popular HDFC credit cards listed above and pick the right one that best fits your needs. You can quickly apply for an HDFC credit card via CreditMantri, India’s No.1 credit services provider. Add the perfect credit card to your wallet and maximize returns on your daily spends. 

Before we leave, a word of caution: be a responsible credit card user. Pay your credit card bills on time and in full, stay within your credit card limits to build a good credit score and avoid credit card debt traps. 

Happy credit card shopping!

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