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Credit Card Referral Program

All You Need To Know

Program Features

  • Reward for Both: After one financial transaction of the referred Credit Card, both the referrer, i.e., you and the referee receive a ₹250 voucher each. 
  • Digital Process: The entire Credit Card referral process is conducted online, making it quick and seamless. 
  • Unlimited Referral: You can refer as many friends and family members as you want, with a limit of four referrals in a month. 
  • No Additional Cost: You can refer individuals under this program without any extra costs.
Features

How to Refer a Friend?

  • Use your HDFC Bank registered mobile number to log into the HDFC Bank Credit Card Referral portal. Note that your mobile number must match the one linked to your HDFC Bank Credit Card. 
  • Provide the name and mobile number of the individual you want to refer.  
  • A personalised application link will be generated, which you can share via SMS or WhatsApp with the referee. 
  • Once the referred individual receives the link, they must apply for the Credit Card using the link within 30 days of receiving it.
Card Management & Control

How Does the HDFC Bank Credit Card Refer and Earn Program Work?

  • Once you refer someone and they successfully apply, receive and perform 1 financial transaction using their HDFC Bank Credit Card, you both get rewarded. 
  • After the referred individual completes their first transaction within 14 days of card issuance, both of you and the referred individual will receive ₹250 vouchers each. 
  • You’ll need to ensure that the referral is done digitally using the link communicated through the personalised messages generated, as this offer is valid only for online applications. 
  • Your referred friend or family member must complete the application using the personalised link you shared, and their mobile number must match both the referral portal and the Credit Card application.
Redemption Limit

Who Can You Refer?

You can refer friends, family members or colleagues who are: 

  • New to HDFC Bank Credit Cards: The referee must not hold an existing HDFC Bank Credit Card. 
  • The Referred Individual Should Be Eligible to Apply: The referee must be eligible for a Credit Card per the bank’s criteria.
Card Management & Control

Most Important Terms and Conditions

  • The referrer and referee will be rewarded only if the referee's Credit Card application is submitted after the referrer has entered the referee’s name and mobile number on the referral portal.  
  • Upon successful issuance and activation of the referee's Credit Card, both will receive a voucher worth ₹250 each.  
  • The referee must complete at least one transaction using the Credit Card within 14 days of its issuance for the card to be activated. 
  • The referrer and referee will only receive their vouchers if the referee’s mobile number matches the one provided on both the Credit Card application and the referral portal.  
  • This offer is not applicable to physical Credit Card applications.  
  • HDFC Bank employees are not eligible for the referral voucher, and the referrer and referee will not be rewarded if the referee already holds an HDFC Bank Credit Card. 
  • The vouchers will be valid for 60 days from the date of issuance and cannot be extended once they expire. 
  • The referrers and referees will be incentivised only if the referrer shares the Credit Card application link, which the HDFC Bank Referral Portal generates through the personalised messages. The referees must apply using the same link received. 
  • Please refer to the complete T&C available on the HDFC Bank Credit Card Referral portal.
Card Management & Control

Frequently Asked Questions

HDFC Bank's ‘Refer & Earn’ program allows existing Credit Card holders to refer friends or family to apply for an HDFC Bank Credit Card. Both the referrer and the referee are rewarded with vouchers upon the successful issuance and activation of the referee's Credit Card. 

To be eligible, you must be an existing HDFC Bank Credit Card holder, and your mobile number must be registered with HDFC Bank. The individual you are referring must not hold an HDFC Bank Credit Card. Also, the application must be completed online through the referral portal shared by the referrer. 

Both the referrer and referee will receive a ₹250 voucher upon the successful issuance and activation of the referee’s Credit Card. The voucher will be sent digitally within 90 days of the Credit Card activation month and will be valid for 60 days from issuance. 

The referee will receive a ₹250 voucher once their Credit Card is issued and they complete at least one transaction using the card within 14 days of issuance. The voucher will be sent digitally within 90 days after the card’s activation. 

To refer someone, log in to the HDFC Bank Referral Portal using your registered mobile number, enter the name and mobile number of the individual you’re referring and share the personalised referral link with them. The referee must apply for the Credit Card through this link for both of you to be eligible for the rewards. 

Once the referee's Credit Card is activated and they complete a transaction within 14 days, the ₹250 voucher will be sent to both the referrer and referee within 90 days of the activation month. 

Refer your friends and family for an HDFC Bank Credit Card and earn rewards!

Refer Now