Frequently Asked Questions on Credit Cards

Annual Card fees will range from ₹ 500 to ₹ 10,000 on basis of Credit Card variant. 

But no worries we are offering LIFETIME FREE Credit Card only for you. Just apply by following these steps: 

Yes, you can apply for HDFC Bank Credit Card. You are already pre-approved for HDFC Bank Credit Card. Just check your eligible Card and get it delivered In No time

Just check your eligible card click here

You can easily check your pre-approved LIFETIME FREE Credit Card by authenticating yourself on HDFC Bank Credit Card application page.

Check what card are you eligible for click here.

• In the event of an unexpected emergency, you can use Credit Card for Hospital bills and cash withdrawals 24*7.

• Accidental Insurance: you will be eligible for Accidental death insurance up to 5 times your Credit Card limit maximum up to ₹ 50,00,000/- for the subsequent month.

• Purchase Protection: Fire & Burglary coverage for the items purchased above ₹ 5000/- using insured HDFC Bank Credit Card (Up to 180 days).

In case you are pre-approved for an HDFC Bank Credit Card all the details will be pre-filled. All you need to do is validate the details while applying for the Credit Card.

In case you are not pre-approved for a Credit Card for a salaried individual we will need 2 months' pay slip (of which latest month pay-slip should not be older than 60 days) & company Id card. Also, the net monthly income should be greater than ₹ 24,000. For self-employed customer we will need Latest individual ITR and ITR computation sheet. Please note PAN is mandatory in this case.

Also, the annual income should be a minimum of 6 LPA. For select locations like Surat, Mumbai, Ahmedabad, Gandhinagar, Chandigarh, Sohana, Panchkula, Bangalore, Kolkata, Jharsuguda, Hyderabad, Jaipur, Sirsa, Lucknow, Agra, Kanpur, Indore, Ludhiana the annual income should be 10 LPA.

You can track the status of your application via HDFC bank WhatsApp number 7065970659.

1. Step 1: Authenticate yourself using Customer ID or Debit Card (Forgot Customer ID? Regenerate here: https://netBanking.hdfcBank.com/netBanking/entry)

2. Step 2: Enter your Net Banking password (Forget your password? Regenerate here: https://netBanking.hdfcBank.com/netBanking/IpinResetUsingOTP.html)

3. Step 3: Select your employment details

4. Step 4: Select your Card 

5. Step 5: Check your Address details.

Done. No documentation and no complex paperwork. You can apply anytime & get an additional ₹ 1000 amazon voucher with LIFETIME FREE Credit Card.

Following are the benefits of having a Credit Card: 

• CashBack & Reward Points: Up to 33% saving on your purchases using Credit Card 
  Use these Reward Points to book airline tickets and much more

• Safety: When your Debit Card is used by a thief, the money is missing from your account instantly. It can take a while for the fraudulent transactions to be reversed, and the money restored to your account while the Bank investigates. 
  By contrast, when your Credit Card is used fraudulently, you aren't out any money—you just notify your Credit Card company of the fraud and don't pay for the transactions you didn't make while the Credit Card company resolves the matter.

• Insurance: Accidental Insurance, you will be eligible for Accidental death insurance upto 5 times your Credit Card limit maximum up to ₹ 50,00,000/- for the subsequent month.

• Purchase Protection: Fire & Burglary coverage for the items purchased above ₹ 5000/- using Insured Credit Card of HDFC Bank (Up to 180 days)

• Emergency: In event of an unexpected emergency use your Credit Card for hospital bills and ATM withdrawals