A Comprehensive Guide to HDFC Bank Credit Card

HDFC credit cards seek  to serve customers for different benefits such as refuelling, travelling, dining, groceries, and so on. Some of the HDFC Bank credit cards including the exclusive ones are HDFC Bank Diners ClubMiles Credit Card, HDFC Bank Diners Club Black Credit Card, HDFC Bank Regalia Credit Card and so on. These exclusive credit cards give the credit cardholders an opportunity to earn cashback and various rewards. In this article, we will discuss various HDFC Bank credit cards along with their eligibility criteria, rewards points, required documentation and so on.

Types of Credit Cards by HDFC Bank

The HDFC Bank offers several types of credit cards to their customers, whether it’s for travelling, shopping, billing or entertainment. Each of these cards is strategically designed to provide convenient and secure transactions. The additional feature of these cards is that they provide rewards, cashback and even discounts. Check out the below mentioned information to know more about the types of credit cards offered by HDFC Bank:-

Features and Benefits of HDFC Bank Credit Card

There are multiple features and benefits of HDFC credit cards, to know more, check out the information mentioned below:-

HDFC Business MoneyBack Credit Card

This exclusive HDFC Bank credit card provides up to 50 days of free credit period in case you are making all supplier/vendor bill payments and GST payments.

• The annual fee is just INR 500.
• An additional 5% monthly cashback of crucial business spending.
• Cash withdrawal facility along with pre-approved instant loans.
• Super easy EMI options for bulk purchases of electronics, interiors and furniture for your business.

HDFC Business Regalia Credit Card

• In case of a lost card, zero liability is an additional feature of HDFC business regalia credit card.
• Across all Indian fuelling stations, this credit card has a waiver of a 1% fuel surcharge.
• On dining bills payment through DineoutPAY, it provides up to a 20% discount.
• The annual maintenance fee is about INR 2,500.

HDFC MoneyBack Credit Card

• The HDFC Bank credit card provides INR 500 cash points as a welcome benefit.
• Up to a period of 50 days, the credits will be interest-free.
• On the calendar quarter, a gift voucher of INR 500 will be provided on a minimum expenditure of INR 50,000.
• The card also has a 1% waiver of fuel surcharges.
• The annual fee of this card is about INR 500.

HDFC Diners Club Privilege Credit Card

• The ultra-exclusive card provides multiple benefits such as complimentary membership of Times Prime, Amazon Prime, MMT BLACK and Dineout Passport.
• Complimentary vouchers are also an additional benefit which includes BookMyShow, Cult.fit Live, Ola Cabs and TataCliQ.
• The HDFC Diners Club Privilege credit card provides 12 complimentary lounge accesses annually and 6 complimentary fold accesses on a quarterly basis.
• The annual fee is about INR 2,500.

HDFC Millennai Credit Card

• The HDFC Bank credit card offers 8 complimentary domestic lounge access passes annually.
• It has assured a 1% fuel surcharge waiver and also offers 1% cashback on all spending.
• This credit card offers 5% cash back on Flipkart, Myntra, Sony LIV, Swiggy, BookMyShow, Amazon, Uber, Zomato, Tata CLiQ, and Cult. fit.
• The annual charge of this card is about INR 1,000.

Documents Required for HDFC Credit Card

The document requirement for new HDFC credit card customers is slightly different from the existing customer. Check out the below-mentioned table to get a better idea of the document requirement for HDFC credit cards.

Eligibility Criteria of HDFC Bank’s Credit Card

HDFC Bank provides multiple credit cards and most of them have similar eligibility criteria. Check out the below-mentioned information to get aware of the eligibility criteria of HDFC Bank. 

*The below-mentioned HDFC Credit cards have the same eligibility criteria:-

• The salaried applicant must be between the age of 21 to 60 years.
• In case the applicant is a self-employed individual then he/she must be between the age of 21 to 65.
• The minimum salary required for achieving these credit cards is available upon request. Connect to the bank to get more information.

The HDFC Bank Freedom Credit Card and HDFC Bank Bharat CashBack Credit Card have the same eligibility criteria, which are mentioned below:-

• In order to get these HDFC credit cards, the salaried individual must be between the age of 21 to 60 years.
• In the case of self-employed individuals, the applicant must be between 21 and 65 years of age.
• The minimum required income salary for a salaried individual is INR 12,000 per month.
• The minimum required income salary for a self-employed individual is INR 2 Lakh annually. 

HDFC Bank Diners ClubMiles Credit Card

Eligibility Criteria:

• The salaried individual must be between the age of 21 to 60 years of age.
• In the case of self-employed individuals, the age criteria are 21 to 65 years. 
• The minimum required salary for salaried individuals is INR 30,000 per month.
• The minimum required salary income for self-employed individuals is INR 3.6 Lakh per annum.

HDFC Bank Regalia First Credit Card

Eligibility Criteria:

• The salaried individuals must be between the age of 21 to 60 years to be eligible for this HDFC credit card.
• In the case of self-employed individuals, the age criteria are between 21 and 65.
• The minimum required monthly income for salaried individuals is INR 40,000 per month.
• In the case of self-employed individuals, the minimum income requirement is about INR 5 lakh per annum.

HDFC Bank Regalia Credit Card 

Eligibility Criteria: 

• The salaried individual is between the age of 21 and 60 to get this HDFC bank credit card.
• In case you are a self-employed individual then your age must be between 21 and 65 to get this exclusive HDFC Bank credit card.
• The minimum income salary for salaried individuals is INR 1.2 lakh per month.
• The minimum salary required for self-employed individuals is INR 12 lakh per annum.
• Only a Non-Resident (NR) account can achieve this exclusive HDFC Bank credit card.

HDFC Bank Diners Club Black Credit Card

Eligibility Criteria:

• The salaried individual must be between 21 and 65 years of age to get this ultra-exclusive HDFC Bank credit card.
• In the case of self-employed individuals, the age criteria are between 21 and 65 years, which is slightly higher than salaried individuals.
• The minimum salary bar for salaried individuals is INR 1.75 per annum.
• In the case of salaried individuals, the minimum income salary for this HDFC Bank credit card is INR 21 lakh per annum.

HDFC Credit Card Fees and Charges

Check out the below-mentioned tabulated data to get a better understating of the HDFC Bank credit card fees and charges:-

HDFC Bank Credit Card Customer Care

Check out the information below to better understand HDFC Bank credit card customer support.

Domestic Toll-Free Number: 1860-267-6161 

HDFC Credit Card Customer Care Email ID

• Regular Email: support@hdfcbank.com 
• Credit Cards Email: customerservices.cards@hdfcbank.com

HDFC Credit Card Grievance Redressal System

Check out the below-mentioned information to get a better understanding of the HDFC Credit Card Grievance Redressal System:

Calling Day and Time: Monday to Saturday from 9:30 am to 5:300 pm

Contact number: 044-61084900.

*Note:- The facility is only available on working days excluding the 2nd and 4th Saturdays and all Sundays. Moreover, on bank holidays this service will not be functional as well.

To Sum Up

The HDFC Bank credit card is one of the most desired credit cards in India. The bank offers multiple features and benefits such as complimentary domestic luggage passes, cashback on electronics, interiors, furniture for your business and refuelling. Most HDFC Bank credit cards have a reasonable maintenance cost of INR 500. Furthermore, the HDFC Bank credit card customer support is also efficient. In case of any issue, you can visit the bank for resolution. Telephonic and email assistance is also available.

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