Retailio Credit Card

What's in store for you?

Card Benefits and Features

Know More About The Card

Card Control and Redemption

  • Single Interface
    One unified platform for Credit Cards, Debit Cards, Fastag and Consumer Durable Loans  
  • Spends tracking
    Simple interface to track all your spends 
  • Reward Points
    View and redeem points at the push of a button
  • Accumulated Reward Points can be redeemed for CashBack at 100 Reward Points = ₹20.
  • Redeem Reward Points for gifts and air miles from an exclusive catalogue at applicable rates.
  • A reward redemption fee of ₹99 per request will be applicable on all redemptions
  • Reward points are not applicable for Retailio spends, wallet loads, fuel spends, and EMI spends.

With effect from January 1, 2023:

  • Rental and government-related transactions will not earn reward points.
  • Reward points earned on grocery transactions will be capped at 2,000 per month for this card.
  • Reward Point Redemption will be capped at 3,000 RPs per month.
  • Redemption of Travel Reward Points will be capped at 50,000 RPs per month.
  • A 1% fee applies from the second rental transaction of the calendar month
  •  1% mark-up fees to be levied on International DCC Transactions
Redemption Limit

Credit and Safety

  • Revolving Credit is available at a nominal interest rate (Check the fees and charges section for more details).
  • Get Up to 50 days of interest-free credit from the date of purchase.
  • The offer is subject to the submission of the charge by the merchant.
  • Stay protected against unauthorised use when you shop anywhere with EMV Chip Card technology.
Contactless Payment

Contactless Payment

  • This Card is enabled* for contactless payments at retail outlets. 

(Note:

  • In India, contactless payments up to ₹5,000 per transaction don’t require a PIN entry.
  • For amounts ₹5,000 or more, the cardholder must enter their Credit Card PIN for security.
  • You may check for the Contactless Network Symbol on your card.
Zero Cost Card Liability

Fees and Renewal

Joining Membership Fee: ₹499 plus Applicable Taxes 
Membership Renewal Fee 2nd year onwards: ₹499 plus Applicable Taxes per year 
Waive renewal fees of ₹499 on annual spends of minimum ₹50,000 on your Retailio HDFC Bank Credit Card. 

Goods and Services Tax (GST): Effective July 1, 2017

  • Goods and Services Tax (GST) is applicable on all Fees, Charges and Interest transactions. The applicable GST would be dependent on place of provision (POP) and place of supply (POS). If POP and POS are in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
  • GST for Fees and Charges / Interest transactions billed on statement date will reflect in the next month's statement.
  • GST levied will not be reversed on any dispute on Fees and Charges / interest
Revolving Credit

Important information

  • Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your Credit Card can be accessed digitally. Click here
Card Management and Control

Important Terms and Conditions

  • The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Card Management and Control

Frequently Asked Questions

Retailio Credit Card is an HDFC Bank ​Credit Card that offers rewards, CashBack, and exclusive benefits on online and offline purchases. It provides a range of features and perks designed to enhance your shopping benefits. Retailio HDFC Bank Credit Card is exclusively offered for Retailio merchants. Retailio in partnership with HDFC Bank, is offering this card.

With Retailio Credit Card, you can earn reward points on every purchase, enjoy CashBack on business essentials, and benefit from a lower working capital charge on Retailio spends. It also offers additional features like utility bill payment service, zero-cost liability, and fuel surcharge waiver.

No, there is an annual fee for Retailio Credit Card. However, the renewal fee can be waived upon spending ₹50,000 in the preceding year.

We are currently not accepting new applications for the HDFC Bank Retailio Credit Card. However, you can explore a range of other credit cards that may suit your needs. Click here to view our available options and find the right card for you.

  • Avail up to 50 days of interest free credit period.
  • 4 Reward Points for every ​₹150 spent on online
  • 2 Reward points for every ​​₹150 ​spent on POS / offline
  • 5% cashback on business essentials (capped at ​₹150 per calendar month)
  • Low & flat 1% interest rate on Retailio payments
  • Exclusion: No reward points/cashback for Retailio spends, fuel spends & wallet loads.
    Retailio spending will be identified through Retailio MID/TID.

Reward point redemption:

  • Accumulated reward points can be redeemed for cashback @ 100 reward points = ​₹20. Minimum 2,500 reward points are required for cashback redemption.
  • Reward points can also be redeemed for exciting gifts and air miles from an exclusive reward catalogue at the applicable redemption rate.
  • The reward redemption fee of ₹99 per request will apply to all redemptions.

The customers who subscribed to Retailio RIO club membership are called Rio Club members.

Activation benefits:

1​000 bonus points on activation of card within 90 days from card open date with minimum total spends of ₹500
Extra gift voucher worth ₹500 exclusively for RIO club members on activation of the card within 90 days from card open date with minimum total spends of ₹500

Sample Illustration:

When a customer is approved & a card account is opened on Jan 1,2022, the customer has to transact for at least ₹500 in total within 90 days from the card open date. Post ₹500 spent within 1st 90 days, the customer will be credited with 1​,000 reward points and if the cardholder is a RIO club member during the card open date, they will be issued an additional gift voucher worth ₹500.

Milestone benefits (Calendar Monthly):

500 bonus reward points on spending ₹25,000 every calendar month Extra 1,500 bonus points exclusively for RIO club members on spending ₹50,000 every month

Sample Illustration:

When a customer spends ₹25,000 in the month of an’22, the cardholder will be credited with 500 reward points.
If the customer is a RIO club member, then upon spending ₹25,000 in the month of Jan’22, cardholder will be credited with 500 reward points. Also, upon spending ₹50,000 in the month of ​Jan’22, cardholder will be credited with 2​,000 (500+1,500) bonus reward points.

Milestone benefits (Quarterly):

2,000 bonus points on spending ₹1,00,000 every calendar quarter.
Extra 5000 bonus points on spending ₹2,00,000 every calendar quarter exclusively for RIO club members.

Sample Illustration:

When a customer spends ₹1,00,000 in a calendar quarter Jan ’22 to Mar’22), cardholder will be credited with 2,000 reward points.
If the cardholder is an RIO club member, then upon spending ₹1,00,000 in a calendar quarter (​​Jan’22 to Mar’22), the cardholder will be credited with 2,000 reward points. Also, upon spending ₹2,00,000 in a calendar quarter (Jan’22 to Mar’22), the cardholder will be credited with 7,000 (2,000+5,000) reward points in total.
 

Total Spends of Retailio HDFC Bank Credit Card Customers Reward Points
₹25,000 in a calendar month 1.
​​₹50,000 in a calendar month (Reward points exclusively for RIO club members) 2.
​​₹1,00,000 in a calendar quarter 3.
​​₹2,00,000 in a calendar quarter (Reward points exclusively for RIO club members) 4.

You will need to generate the PIN to activate your card; you can use any of the following ways mentioned below:

  • By using IVR - Call 1860 266 0333
  • By using Net Banking
  • By using a Mobile Banking App
  • By using ATM

Click here for more information to generate PIN.

As per RBI guidelines, for additional security, Online, Contactless, and International transactions on this card are switched off during dispatch. You can enable these cards’ usage options by referring to the leaflets in the welcome kit or by referring to the information mentioned here.

Retailio HDFC Bank Credit Card can be used for online, offline, and contactless transactions at domestic and international Points of Sales (POS) outlets and websites. Once you generate the PIN, you can use your card to make payments at any merchant establishment.

For Retailio HDFC Bank Credit Card, ​₹499 + GST will be levied as 1st-year annual fees after 90 days of the card open date only if the customer has not activated. Activation requires the cardholder to do a total transaction of ​₹500 within 90 days.

For Retailio HDFC Bank Credit Card, ​₹499 + GST will be levied as card renewal fees only if the customer has not done annual transactions of ​₹50,000 or above (only non-EMI Spends) in the preceding year. For more information on fees and charges, please refer the below MITC link: ​MITC in English.

1% fuel surcharge waiver on eligible fuel transactions (minimum transaction of ₹400, maximum transaction of ​₹5,000 & maximum cashback of ​₹250 per statement cycle). The acquiring bank levies the surcharge providing the terminal to the merchant. The surcharge rate may vary depending on the fuel station and their acquiring bank. GST on fuel surcharge will not be reversed. Refer to the below MITC link for more information and T&C: ​​MITC in English.

Reward Points will not be eligible for the following spends/transactions on the​ Credit Card:

  • Fuel Spends
  • Cash Advances
  • Payment of Outstanding Balances
  • Payment of card fees and other charges and
  • Smart EMI / Dial an EMI transactions
  • Wallet loads and
  • Retailio payments

  • Retailio HDFC Bank Credit Card can be enabled for contactless payments (please refer point 6), facilitating fast, convenient and secure payments at retail outlets. (Check for contactless network symbol on the card plastic).
  • HDFC Bank allows you to transact ​₹5,000 or less through contactless mode; just tap to pay with your card, and you won't need to sign or enter any PIN. Please click here for more information:

Retailio HDFC Bank credit card offers lost card liability cover of up to ​₹3,00,000. ​Please refer to the below attachment for the claim process:

Please refer to the below reward point redemption ratio for the different categories:

Reward Redemption Categories Reward Point equivalent in Rupees
SmartBuy 0.2
Airmiles 0.25
Product Catalogue Up to 0.25
Cashback 0.2

Click here for the SmartBuy

For other redemption options, Log in to Internet banking and select Cards à Credit Cards à Enquire à Redeem Reward Points. Click here

Yes. The flexible payment options will be given only to eligible cardholders as per the bank’s policy.

Once the bill is generated, the HDFC Bank ​Credit Card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and download the statement by logging in to HDFC Bank portals.

A cardholder can pay the outstanding dues of HDFC Bank Credit Card via various convenient options. Click here for more information:

Please refer to the below MITC link for the interest rate:
MITC in English

In case of a Credit Card being lost/stolen, a cardholder should login to net banking and report the lost or stolen credit card in the service requests section or report through phone banking. Click here

Click here for details on how to report a transaction dispute

To know the different types of charges & fees on a credit card, click here.

All reward points will be posted on the settlement date + 1, after meeting respective spending criteria.

24 months

Save up to ​₹11,667 on your spends of ​₹5,00,500 in a year with Retailio HDFC Bank credit card        
List Benefits & Offers Spends Reward Points Savings
Welcome Benefit Complete a total spend of ​₹500 within the first 90 days & get 1000 reward points 500 1,000 200
Core Benefit Reward Points for Every ​₹150 spent: Earn 4RPs on online spends 5,00,000 13,333 2,667
Milestone Benefit Milestone benefit: Earn 500 reward points on spending ​₹ 25k every calendar month;
Earn 2000 reward points on spending ​₹1 lakh every calendar quarter.		   14,000 2,800
Business Benefit 5% Cashback on Business Essentials     3,000
Fuel Benefit 1% Fuel Surcharge Waiver
Minimum transaction ​₹400; Maximum transaction ​₹​5,000 (Capped at ​₹250/calendar month)		     3,000
  Total 5,00,500   11,667

Value Benefit Chart for RIO Club Members:

Save up to ​₹21,367 on your spending of ​₹8,00,500 in a year with a Retailio HDFC Bank credit card. Exclusive for RIO members        
List Benefits & Offers Spends Reward Points Savings
Welcome Benefit Complete total spend of ​₹500 within first 90 days & get 1​,000 reward points; RIO club members get extra ​₹500 gift voucher. 500 1,000 700
Core Benefit Reward Points for Every ​₹150 spent: Earn 4RPs on online spends 8,00,000 21,333 4,267
Milestone Benefit Milestone benefits: Earn 500+1​,500 reward points on spending ​₹ 50k every calendar month;
Earn 2​​, 000+5​, 000 reward points on spending ​₹2 lakh every calendar quarter		   52,000 10,400
Business Benefit 5% Cashback on Business Essentials     3,000
Fuel Benefit 1% Fuel Surcharge Waiver
Minimum transaction ​₹400; Maximum transaction ​₹5​,000 (Capped at ​₹250/calendar month)		     3,000
  Total 8,00,500   21,367

Illustration:

Reward Points Offer:

4 Reward Points for all E-com spends and 2 Reward Points for all POS spends on every 150 spent (1 Reward Point = ₹0.2)

Scenario: Suppose the merchant (cardholder) spends ₹20 ,000 per calendar month in the E-com category and ₹10 ​,000 per calendar month of POS spends.
Reward Points for E-com Spends = (20,000/150)*4 = 533
Reward Points for POS Spends = (10​,000/150)*2 = 133
Total Reward Points per calendar month = 533+133 = 666

Cashback Offer:
5% cashback on business essentials like utility, telecom, Govt and Tax (capped at ₹250)

Scenario 1: Suppose the merchant spends ₹4,000 on business essentials 5% of ₹.4,000 = ₹200
Cashback given to merchant =₹200

Scenario 2: Suppose the merchant spends ₹10,000 on business essentials 5% of ₹10​, 000 = ₹500
Cashback given to merchant = ₹250 (Capping at ₹250)