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₹300000 ₹5000000
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Types of Credit Cards
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Features:
- Complimentary Club Marriott Membership
- Stay & Dining Benefits At Itc Hotels
- 7 Global Personal Concierge Service
CashBack On:
SmartBuy
Benefits:
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Features:
- 2% Back As Neucoins On Tata Neu And Partner Tata Brand Spends
- Additional 5% Back As Neucoins On Selected Tata Neu Spends, Post Registering For Tata Neupass
- 1% Back As Neucoins On Other Eligible Non Upi Spends
Rewards On:
<p>1 NeuCoin = ₹1, redeemable on Tata Neu App</p>
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Features:
- ‘buy One, Get One’ On Bookmyshow
- 5x Reward Points On Swiggy & Zomato
- 8 Free Airport Lounge Access Worldwide
Cashbacks On:
<p>Swiggy, Zomato & SmartBuy</p>
Benefits:
Features:
- 5% Back As Neucoins On Tata Neu And Partner Tata Brand Spends
- Additional 5% Back As Neucoins On Selected Tata Neu Spends, Post Registering For Tata Neupass
- 1.5% Back As Neucoins On Other Eligible Non Upi Spends
Rewards On:
1 NeuCoin = ₹1, redeemable on Tata Neu App
Shoppers Stop Black HDFC Bank Credit Card
Rewarding Style. Ready for You
Features:
- 7% Reward Points On Shoppers Stop Purchases
- Welcome Voucher Worth ₹1,500
- Shoppers Stop Black Membership
CashBack On:
SmartBuy
Benefits:
Features:
- 3% Reward Points On Shoppers Stop Purchases
- Welcome Voucher Worth ₹500
- Shoppers Stop Silver Edge Membership
Reward Points On:
Shoppers Stop Purchases
Benefits:
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Features
- 1% Cashback On Select Transactions
- Shop Now, Pay Later In Emis
- 25% Off On Restaurants Via Swiggy Dineout
CashBack On:
<p>UPI spends</p>
Benefits:
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All Miles Credit Card
Save on Every Mile
Features:
- Access To Over 600 Premium Airport Lounges
- 3 Reward Points For Every ₹150 Spent
- Fuel Surcharge Waiver
CashBack On:
<p>Fuel & Reward Points</p>
Benefits:
Bharat Credit Card
CashBack for Enhanced Savings
Features:
- 5% Cashback On Irctc, Bill Payments & Fuel
- Up To 50 Days Of Interest Free Period
- Revolving Credit At Nominal Rates
CashBack On:
<p>EasyEMI, PayZapp, SmartBuy</p>
Benefits:
Diners Club Premium Credit Card
Exclusive Experience for You
Features:
- Complimentary Access To 1000+ Lounges Worldwide
- Insurance Cover Up To ₹1 Crore*
- Up To 5% Cashback On Smartbuy
CashBack On:
<p>SmartBuy, Airmiles</p>
Benefits:
Diners Club Rewardz Credit Card
More Rewards on Purchases
Features:
- Up To 5% Cashback On Smartbuy
- Welcome & Renewal Benefits Of 1000 Points
- 24x7 Concierge Service
CashBack On:
<p>SmartBuy, Airmiles</p>
Benefits:
JetPrivilege HDFC Bank Select / Titanium
Flying Experience Made Rewarding
Features:
- Welcome & Renewal Benefits Worth ₹250
- Fuel Surcharge Waiver
- Add On Cards For Your Family
CashBack On:
<p>InterMiles</p>
Benefits:
Platinum Edge Credit Card
Earn CashBack and Extra Points on Dining
Features:
- 2 Reward Points For Every ₹150 Spent
- 50% Extra Points On Dining Out
- Fuel Surcharge Waiver
CashBack On:
<p>Reward programme</p>
Benefits:
Platinum Plus Credit Card
More Rewards and Fuel Surcharge Waivers
Features:
- 2 Reward Points For Every ₹150 Spent
- Up To 3 Add On Cards
- Fuel Surcharge Waiver
CashBack On:
<p>Reward Points</p>
Benefits:
Teachers Platinum Credit Card
Special Weekend and Utility Bill Rewards
Features:
- 500 Reward Points On Teacher's Day*
- Pay Utility Bills With Smartpay
- 3x Reward Points On Weekends
CashBack On:
<p>Reward Points</p>
Benefits:
Visa Signature Credit Card
Global Lounge Access with Fuel Waivers
Features:
- Access To Over 600+ Lounges Worldwide
- 2 Reward Points For Every ₹150 Spent
- Fuel Surcharge Waiver Up To ₹250
CashBack On:
<p>Reward Points</p>
Benefits:
World MasterCard Credit Card
Travel Round the Globe with Ease
Features:
- Complimentary Priority Pass Membership
- Up To 3 Add On Cards For Family
- 2 Reward Points For Every ₹ 150 Spent
CashBack On:
<p>Reward Points</p>
Benefit:
Features:
- Annual Memberships To Club Marriott, Mmt Black, Etc.
- Harley Vouchers Worth ₹2,500
- 10x Reward Points On Harley Purchases
CashBack On:
SmartBuy, Harley Davidson merchandise
Benefits:
Features:
- Buy One, Get One Ticket Via Bookmyshow
- 5x Reward Points With Swiggy & Zomato
- Harley Vouchers Worth ₹750
CashBack On:
Swiggy, Zomato & SmartBuy
Benefits:
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Exclusive Credit Card Range for Business and UPI
More About Credit Cards
Click here to access all important links related to your Credit Card.
Age: At least 18 years
Nationality: Indian National
Residential Status: Resident/Non-Resident Indian
Employment Status: Salaried/Self-employed individual
Annual Income: HDFC Bank determines your eligibility for Credit Card and subsequent credit limit based on your annual income.
*HDFC Bank revises your credit limit based on your annual spends, card usage, and income. We also send invitations to upgrade your Credit Cards based on your usage.
Dos
Find the ideal card for you
HDFC Bank offers a wide range of Credit Cards to suit every lifestyle. You can choose your preferred Credit Card from our bouquet of offerings, based on your eligibility.Read the Terms & Conditions
You must check the Terms & Conditions concerning credit limits, interest rates, cash withdrawals, fees, waivers, discounts, Credit Card offers, etc. when applying for a Credit Card online.Repay dues on time
Repaying dues in full showcases your creditworthiness to the bank leading to a healthy credit score. This lets you enjoy a bunch of benefits and offers.Benefit from increased credit limit
HDFC Bank will inform you if you qualify for an increase in your credit limit. You can take advantage of the enhanced credit limit and enjoy additional reward points and offers, as per your spends.Keep your card secure
Protect your card from theft and your card information from being compromised.Stay informed about payment dates
The billing date is when the bank sends you an itemised bill comprising their Credit Card spending during the last billing cycle, and the payment date is the date on or before which you must clear your dues. You need to keep track of these dates to avoid late payment charges.Monitor your spends
You are advised to keep a track of your Credit Card spends to avoid fraudulent transactions. You can do so by opting for SMS and email alerts for every transaction on your Credit Card. Additionally, in case you suspect any fraudulent transactions it is recommended to inform the Bank and promptly block the card.
Don'ts
Don’t over utilise the entire credit limit
Over-utilisation of the credit limit can impact your credit score and can put an additional financial burden on you, making the repayment difficult. It is advisable to manage credit responsibly to maintain a healthy credit score.Don’t apply for too many Credit Cards
While it may seem wise to have more Credit Cards and extended credit limits, especially during emergencies, applying for multiple Credit Cards may not be prudent. It can reflect as need for more credit or imply risk-taking tendencies and may impact your credit score.Don’t pay just the minimum due
Paying only the minimum amount due on your Credit Card is not recommended. By choosing this option, you would typically carry forward the remaining amount to the next cycle, incurring an interest rate on the delayed payment and increasing your overall Credit Card debt.
Understanding how to use a Credit Card wisely is vital. Consider these security tips.
Avoid sharing Credit Card details
Your Credit Card comprises details like your name, card number, expiration date, and CVV number. While making online transactions, you must enter these details. You must also input the 4-digit PIN along with a One Time Password (OTP) the bank sends on your registered mobile number to authenticate the transaction. Ensure secure transactions by not sharing your PIN or OTP with anyone.- Be cautious with Overseas usage
You can activate your card for international usage anytime. We recommend you deactivate it soon after arriving in India. You must inform us immediately upon losing your card or if you notice fraudulent or suspicious transactions on your card. The bank will block the card immediately in such cases.
Manage your account details
You should always use a strong password for your banking needs. Regularly tracking your account statement is an excellent way to check against unauthorised transactions. If you ever spot any unknown transaction, let your bank know immediately. You can also set transaction limits with your bank to control the extent of loss if you ever become a victim of any fraud.
The bank has launched the PIXEL PLAY and PIXEL GO Credit Card by HDFC Bank. The All-Digital Credit Cards available on PayZapp. The bank has also launched the HDFC Bank UPI RuPay Credit Card, a virtual RuPay Credit Card you can apply via PayZapp and MyCards.
You can apply for the Credit Card online via the app, and if approved, you can start using the Card instantly. With the PIXEL PLAY Credit Card by HDFC Bank, you can customise the card color, the offers and the billing date.
Explained below are a few types of Credit Card fees you ought to know:
Annual Fee/Renewal Fees: This is the fee that the issuer charges annually to you. The fee can vary across.
Cash Advance Fees: This is applicable when you withdraw cash from an ATM using a Credit Card.
Finance Charges: These are payable at the monthly percentage rate on all transactions if you don’t pay your Credit Card bill in full.
Late Payment Fee: A late payment fee is applicable if you fail to pay your Credit Card bill by the due date.
Foreign Transaction Fee: A transaction fee will be applicable if you use you use your card for international transactions.
Balance Transfer Fee: When you transfer balance from one Credit Card to another, you will incur a transfer fee.
You can avail of a wide range of Credit Cards in India, including:
Keep these things in mind when it comes to using a Credit Card effectively:
Make sure you activate the card within 30 days of issuance to avoid automatic closure of the card. You can activate the card by carrying out a transaction, setting a new PIN, via MyCards, etc.
Use your Credit Card for your purchases and bill payments to accumulate CashBack/reward points. Ensure you manage your credit utilisation appropriately.
Pay Credit Card bills on time and in full to avoid late payment fees, interest accumulation and potential impact on your credit score.
Redeem your rewards before they expire. Generally, you can redeem them for brand vouchers or statement credit.
Do not share your Card details with anyone. When using your Card for online transactions, make sure the website is secure; the URL should start with http with a lock symbol next to it.
Monitor your statement regularly to spot any unknown transactions.
Selecting the right Credit Card involves evaluating your spending habits, financial goals and the features offered by different cards. Consider the following factors when you apply for a Credit Card:
Identify where you spend the most, whether groceries, travel, shopping, etc.
What are your financial goals? Do you want a card to earn rewards, CashBack, miles, etc.? Or do you simply wish to improve your credit score?
Once you have determined your objective, it’s easier to shortlist a Credit Card type for your needs. You can choose from Rewards Cards, Travel Cards, Shopping Cards, Secured Cards, etc.
Compare the features, benefits and terms of different cards, including annual fees, reward programmes, welcome bonuses, milestone benefits, interest rates and lounge access.
Familiarise yourself with the late payment fees, foreign transaction fees, balance transfer fees, and cash advance fees. Carefully read the terms and conditions, including the interest rate terms, fees, and rewards program rules.
PIXEL PLAY Credit Card by HDFC Bank
5% CashBack on choice of any two brand packs of your choice from Dining & Entertainment, Electronics, Fashion, Groceries and Travel
3% CashBack on choice of any one e-commerce merchant - Amazon or Flipkart or PayZapp
1% Unlimited CashBack on all spends*
PIXEL GO Credit Card by HDFC Bank
1% Unlimited CashBack on eligible transactions
Exclusive dining offers
Pay in parts with flexible low cost EMIs
*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.
Frequently Asked Questions
Credit Cards are financial tools that allow you to make purchases while paying for them later. It comes with a predetermined credit limit that you can use to make online or in-store purchases. You receive a monthly statement detailing your spending that needs to be paid within a specific period.
A Credit Card allows you to buy products and services on credit, while you can pay for the same later as per your settlement date. It enables you to make purchases instantly by extending you a line of credit.
When you use a Credit Card for a transaction, the bank pays the merchants or retailers on your behalf and you have to repay the amount to the bank as per your settlement period. Each month, you receive a statement detailing your dues. You have the option to pay the full balance or a minimum payment on or before the Credit Card due date. You also receive reward points and Credit Card offers based on your transactions.
You can apply for a new HDFC Bank Credit card online or by visiting your nearest HDFC Bank branch. To apply online, follow the below-mentioned steps:
- Go to our website > the Credit Card page.
- Check your eligibility through the online eligibility calculator.
- Get the right recommendation for an HDFC Bank Credit Card for you and apply.
- Get a new Credit Card once your application is approved.
You can easily check your eligibility by visiting the HDFC Bank Credit Card page on the website. Enter your mobile number and date of birth, and we will let you know if you are eligible to get an HDFC Bank Credit Card.
For new customers:
- Income proof
- Identity proof
- Address proof
For existing HDFC Bank customers:
- Income proof: Salary slips/income tax returns for the last three years.
- Identity proof: Not needed.
- Address proof: Not needed.
[Since your KYC and address documents are already updated in our records, they are not needed. If we do need your address proof, we will let you know. In case your latest mailing address requires changing, you need to provide your latest address proof and income proof. Acceptable mailing address proof documents include an Aadhaar card/ Indian passport/ Voter ID (issued in India) / Driving License (issued in India).
You can easily apply for an HDFC Bank Credit Card despite already having a Credit Card if:
- Your existing Credit Card is from another bank
- You have a good credit score
However, if you already have an HDFC Bank Credit Card, we will not be able to give you another HDFC Bank Credit Card.
Visit the HDFC Bank MyCards portal to effortlessly monitor and manage your Credit Card expenses.
Easily monitor and control your Credit Card Spending through HDFC Bank MyCards.
HDFC Bank Credit Cards come with certain payable charges irrespective of whether you use your card. However, if you meet certain conditions, we can waive those charges. Click here to know the conditions mentioned above.
Once you have accumulated reward points, you can redeem them for products through the rewards catalogue, gift vouchers, flight tickets, hotel bookings, etc., through NetBanking.
You don't have to pay interest on purchases. However, if you are unable to pay the total outstanding amount on or before the bill due date, the unpaid dues and all additional transactions attract an interest penalty till the pending amount is repaid in full.
If you do not pay the minimum amount due on your Credit Card by the payment due date, you will be levied a late payment fee. Please note that frequent late payments may affect your credit score.