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Why a Pre-Approved Credit Card Is a Smart Choice
Build a strong credit profile
Using a Credit Card responsibly, by paying dues on time and maintaining a healthy balance, can help build a strong credit profile. This can make it easier to access loans and better financial opportunities in the future..
Get more from every spend
Earn rewards, cashback, and savings on everyday expenses like groceries, fuel, dining, and shopping, while unlocking curated lifestyle privileges across travel, entertainment, and premium experiences..
Effortless experience, end to end.
With fewer checks and a streamlined digital journey, the entire onboarding feels seamless, making it easy even if it is your first card.
Pay securely and seamlessly.
Benefit from enhanced security features and seamless digital payments. This makes your transactions, especially online and high-value ones, more secure and convenient.
Enjoy Exclusive Flexibility.
Handle unexpected expenses or plan bigger purchases with ease, with features like interest-free credit periods upto 50 days, flexible repayment options.
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₹
₹300000 ₹5000000
Privileges that you would like to have on your card
Find the Right Card for You
Feature
- 5% Cashback On Amazon, Flipkart, Myntra, Swiggy, Zomato And More.
- ₹1000 Worth Gift Voucher On Spends Of ₹1 Lakh Per Calendar Quarter
- Get 10% Additional Discount On Swiggy Dineout
Cashbacks On:
Amazon, Flipkart, Myntra, Swiggy, Zomato & many more
Benefits:
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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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Feature
- 5% Cashback On Amazon, Flipkart, Myntra, Swiggy, Zomato And More.
- ₹1000 Worth Gift Voucher On Spends Of ₹1 Lakh Per Calendar Quarter
- Get 10% Additional Discount On Swiggy Dineout
Cashbacks On:
Amazon, Flipkart, Myntra, Swiggy, Zomato & many more
Benefits:
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
Reward Points On:
Shoppers Stop Purchases
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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Why Choose HDFC Bank Credit Cards?
Looking for insights? Dive into our blogs
Frequently Asked Questions
A pre-approved Credit Card indicates that you may already be eligible based on your profile or existing relationship with the bank. This can make the application quicker and more seamless, subject to final verification.
The credit limit is determined based on your profile and eligibility. It may be revised over time based on usage and payment behaviour.
Yes, you can. It is subjected to timely bill payments and HDFC Bank’s discretion. Maintaining good payment schedule makes you eligible for the same.
If your application is not approved, you can explore other card options that may better match your profile or try again at a later stage.
Viewing pre-approved offers does not usually impact your credit score. Submitting a final application may involve a credit check, which can have a minor impact. Any such impact is typically minimal and a normal part of the application process.
Here’s how applying for a pre-approved Credit Card benefits you:
- Faster and simpler application, as you already meet key eligibility criteria.
- Fewer steps and a smoother, more seamless process.
- Quicker processing compared to standard applications.
- Ability to explore Credit Card options suited to your profile.
- Flexibility to proceed at your own pace when you’re ready.
You can compare cards based on features like rewards, CashBack, travel, or lifestyle benefits, or use our Card Suggestor to identify a card aligned with your spending patterns.
Once your application is approved, you will receive your card details and can begin using it as per the bank’s process. Physical card delivery timelines may vary.
Fees and charges vary by card. You can review the applicable joining fee, annual fee, and other charges before completing your application.
Basic details such as PAN, Aadhaar, and access to your Registered Mobile Number (RMN) or NetBanking may be required for authentication. These are standard details used for a quick and secure verification process.
Yes, you will receive updates on your application status through registered communication channels.
Yes, the application process is simple, seamless, and can be completed online in just a few steps, subject to quick verification.
Yes, most HDFC Bank Credit Cards can be enabled for international usage. You can activate this feature easily through NetBanking, MobileBanking, or MyCards.
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