HDFC Credit Card – Different Types, Eligibility, Apply Online, Login, Status, PIN Generates, Statement, Offers, Mobile App

HDFC Credit Card

HDFC credit card is having verities of features covering the needs of different groups of customers such as working man, working woman, housewife, students, frequent business travelers, business executives, etc.

HDFC Bank offers more than thirty-four varieties of cards. The basic concept of any credit card is to bring the sellers and customers on one platform and facilitate the customers with credit money as an encouragement to do purchase.

As mentioned above HDFC Bank offers more than 34 numbers of the credit card; out of which HDFC Platinum plus and HDFC dinar club credit card are much more popular. We are going to share the essential benefits of these credit cards in below-following lines.

Bank earns in the form of interest that customers pay on account of taking the money for purchase or loan. However, the bank provides interest-free money returning time interval.  HDFC Bank also provides credit points on each purchase, that can be redeemed in due course of time.

Choose from variety of HDFC Credit Card

HDFC Bank is one of the leading banks specially for providing number of different credit card to cater the need of customers. HDFC bank covers the day to day purchase to foreign tours as well as facility of airport utilities. There are fabulous offer available for customers through HDFC credit cards.

HDFC bank have special credit card to cover the medical or treatment related requirements. Special credit card for working woman not only helps and grants credit points on purchase but it covers the medical urgency too.

Hence, if we go through the details of different credit card and analyze it for pros and cons of each card then we will realize the power of the credit card. Our research team has shared a detail analysis of different HDFC credit card in below lines.

• HDFC Platinum plus credit card
• HDFC Platinum edge credit card
• HDFC Teachers platinum credit card
• HDFC Titanium edge credit card
• HDFC Visa signature credit card
• HDFC World master credit card
• Indian Oil HDFC bank credit card
• Jet Privilege world credit card
• Let Privilege HDFC Bank platinum credit card
• Maruti Suzuki NEXA HDFC credit card
• Snapdeal HDFC credit card
• HDFC Bank Dinar club black credit card
• HDFC Bank Dinar club premium credit card
• HDFC Bank Dinar club rewardz credit card
• HDFC Bank Dinar club Miles credit card
• HDFC Bank Money back credit card

HDFC Platinum plus Credit Card

HDFC Platinum plus credit card is having free membership for first year. Nominal charge customer has to pay equal to INR 500 as renewal charges.  One of the attractive features is 50 days interest free credit. Thus, you have not to pay any interest up to 50 days of any purchase.

Criterion for issuing is simple, customer must have age between 21 years to 60 years for salaried class and for self employed people upper age limit is 65 years.

2 reward points on every INR 150 spend is granted and if you’re spend increases a total of INR 50000/- per bill cycle then you will get 50% more reward points on each INR 150.

Three Free add-on cards of your family members free of cost is allowed in HDFC Platinum plus credit card. Smart pay facility for schedule electricity, telephone or mobile re-charging and in returns granted credit points.

HDFC Platinum Edge Credit Card

You can earn 2 credit points on every purchase equal to INR 150. You can redeem 100 points equal to INR10 and use it to pay bills. There is reward point in air mileage also in the HDFC Platinum edge credit card.

Rewards points become double if you are spending through the credit card at designated restaurant.

Fuel surcharge waiver is another attractive advantage in the HDFC Platinum edge credit card, you can earn maximum up to INR  1800/- per year.

You can avail up to 50 days of interest free payment facility on HDFC Platinum edge credit card.

Regarding yearly renewal, charges are nil if your spending is more than INR 50000/-  in whole year. It is quite obvious that a person easily crosses this limit, hence we can say free yearly renewal of the card.

HDFC Teachers Platinum Credit Card

Interesting features are there in HDFC Teachers Platinum credit card, a gift of 500 reward points is guaranteed every year on 5^th September i.e. on teachers’ day. Thus this card is one kind of special honors to the teachers.

You can add-on three additional card and give it to your daughter, son or even to your parents. Thus, facilitation to parents through this card is really appreciable.

If a teacher do purchasing on week end, then reward points goes 3 times more than usual day i.e. 2 reward point on every purchase of INR 150.

You can save up to INR 1500/- on fuel purchase. Thus this HDFC Teachers Platinum credit card seems to have unique features.

Yearly renewable is free if you are spending INR 50000/- in whole year. 

HDFC Titanium Edge Credit Card

HDFC Titanium edge credit card is manly known for its dinning privilege and fuel relaxation feature. HDFC Titanium edge credit cards grants 50 % more rewards points on dinning expenses.

Up to INR 250 per month is allowed as fuel surcharge waiver. Allowed reward point is 2 reward points on every INR 150. Interest free period for returning of expenses money is 50 days from the date of purchase.

One other feature of HDFC Titanium edge credit card is zero liability on lost card, but condition is that it should be immediately reported to the bank.

HDFC Visa Signature Credit Card

HDFC Visa signature credit card is a Un-parallel credit card for foreign travelers. It offers facility on designated 600 air port. One can save up to INR 8300 in lounge access.

Special feature of saving INR 6000 on fuel saving per month is quite attractive. Three add-on cards is another attractive feature, we can share it with our children and parents.   

Zero liability facility on account of lost of card is also there. Immediate reporting of credit card is obvious.

50 days interest free credit facility is allowed in the HDFC Visa signature credit card.

First year membership is free to those customers who are using the card for purchase on different items over INR 15000 up to 90 days. Similarly, yearly renewable is free to those who spends over INR 75000.

HDFC World Master Credit Card

There is special provision of cash advance of 50 percent of the credit limit in the HDFC World master credit card. Other important feature is related to Insurance cover of INR 50 lakh of rupees, if at least four transactions are carried over in the month of mishap.

Fire and burglary cover on the product purchased through this credit card is up to 2 lakh. This feature grants a feeling of safety to the card users.

HDFC World master credit card allows 2 credit points earning in INR150. Additional 50 reward points are granted under HDFC World master credit card if the spends goes higher that INR 15000 in a month.

Regarding annual fee or membership charge reversal, one has to spend INR 15000 after taking membership in first 90 days. Joining will be refunded if INR 15000 is spend in first ninety days, the yearly renewable fees is also free if yearly spend is more than INR 75000.

This card offers 90 days interest free credit and one can opt maximum three add-on card with this HDFC World master credit card.

Indian Oil HDFC Bank Credit Card

As the name indicates Indian Oil HDFC credit card is best known for fuel spend. This card has very special feature known as thankful of rewards. Under thankful of rewards, one can redeem the collected reward points on Indian Oil petrol pump and it is equal to 1 credit point or XPR is equal to INR 0.32. This facility of redeeming the XPR is available in 20000 petrol pumps in the country.

You can earn 5 percent of the total spend in an Indian Oil outlet as credit point or XPR. For example, let us say you have spent INR 2000 in petrol in a month, means you are earning 100 Fuel Point. In this you can earn maximum of 250 Fuel Point.

If you are paying bills such as electricity, water or gas etc., that also you will save as 5 percent of total as Fuel Points. Similarly, you can save 5 percent in grocery spend.

In case of loss of Indian Oil HDFC bank credit card, if you are reporting in 24 hours of lost, then customer has zero liability.

50 days Interest free credit is available on Indian Oil HDFC credit card.

Free 50 liters patrol per year is a big attraction in this credit card.

Jet Privilege World Credit Card

As the name indicates Jet Privilege world credit card is having special feature beneficial for air travel. Discount voucher of INR 750  in return flight ticket is one of the attraction.

On every INR 150 on retail will generate 6 InterMiles (credit points). On purchase of air ticket this will become double i.e. 12 InterMiles on every spend of INR 150.

Other exciting offer is 5 and 10 percent discount on Economy class and Business class ticket purchased from InterMiles.com. Apart from discount you are also eligible for 2.5 times more InterMiles as per above mentioned information of 6 or 12 InterMiles per INR 150, if you are booking your air ticket through InterMiles.com.

For new customers, 3750 InterMiles is also offered and subsequently, you will get 3750 InterMiles in spend of equal to or more than INR 75000 in 90 days.

Jet Privilege HDFC Bank Platinum Credit Card

Jet Privilege HDFC Bank platinum credit card is having feature combination of Jet Privilege and HDFC platinum card.

You can avail the facility of domestic air port lounge on every visit, you have to show your boarding pass as well as the Jet Privilege HDFC Bank platinum credit card.

On every three month you are entitled for 2 master card  lounge program facility, having spacious lounge and other benefits on air port. You can get the details lounge facility in the link- details facility

Fuel surcharge changes from 2.5 percent to 1 percent,  thus saving of Fuel cost by 1.5 percent is also there if you are member of JET Privilege HDFC Platinum credit card.

You can add-on three cards for your family members. Apart from these entire feature it also provide the all the facility available with Jet Privilege World credit card mentioned on above column.

Maruti Suzuki NEXA HDFC Credit Card

Maruti Suzuki NEXA network offers variety of products related to day to day life as well as related to Maruti based product and services. You can avail the facility of Maruti Suzuki NEXA network stores by using Maruti Suzuki NEXA HDFC credit card and earn reward points.

You can earn 3 reward points on every INR150 spend. You can earn 1000 reward points as welcome gesture and for every yearly renewable fresh 1000 reward points will be credited in your account.

You can use the earned credit points at Maruti Suzuki NEXA stores or by purchasing air tickets.

Snapdeal HDFC Credit Card

Snapdeal HDFC credit card is highly beneficial if we are doing purchase through online platform Snapdeal. 5% to 10% discount on the item purchased through Snapdeal is guaranteed. High reward points up to 10 X are available there.

At the time of joining, there is enormous benefit in the form of Rs 2000 snapdeal voucher and 500 reward point. However on regular basis there is allowed 2 reward points is allowed on every purchase equal to INR 150.  1 reward point is equal to INR 0.50, thus at the time of joining one can earn INR 2250/-

If we talk about monthly benefit then up to INR 10000/- allowed reward points are 10X. 1% fuel surcharge waiver facility is also there with the Snapdeal HDFC credit card. Apart from these there is discount ranging from 5% to 10 % on different items available through Snapdeal.

There is joining and renewable charges equal to INR 500 + VAT on the Snapdeal HDFC credit card.

HDFC Bank Dinar Club Black Credit Card

HDFC Dinar club black credit card is known as one of the best card for International traveler and other International use.

One of the special benefit is 1 air mile = 1 reward point = INR 1

Unlimited air port lounge on more than 1000 air port on all over world. This facility of lounge is also available on add-on card also. Thus, your family members can also avail the facility traveling at two different places simultaneously.

HDFC Dinar club black card provides special discount on the charges of  Spa, salons, gym etc.

For any purchase the credit card grants 5 reward points on each INR 150 spend.

Four different kind of protection of card holder is really Un- parallel. There is availability of an Insurance of 2 Crore on air accident death, emergency International hospitalization of INR 50 Lakh, Insurance cover up to INR 55000/- on luggage delay.

Eligibility criterion to apply the HDFC Dinar club black credit card is the applicant must earn greater than 1.75 Lakh per month. Age limit between 21 to 60 years.

Yearly card renewable charge is relaxed for those who spend a sum of rupees 5 Lakh, but joining fee is Rs 10000/- plus VAT.

HDFC Bank Dinar Club Premium Credit Card

This card offers 1 reward point =0.50 air mile and 1 reward point = INR0.50. Card grants discount and air miles on air ticket and hotels at domestic and international level. 

Facility of complimentary lounge use in more than 1000 air port worldwide is available in a calendar year.

For retail spend, 4 reward point per spend of INR 150 is allowed.

One can purchase a ticket or book at hotel by paying 70% cost by earned reward points remaining can be paid by the HDFC Dinar club premium credit card.

Primary card holder gets the accidental insurance. INR 1 crore in the case of death in air accident,  emergency medical cover expenses up to INR 9 lakh, coverage up to INR 50 thousand on luggage delay depending on number of hours.

Eligibility criterion requires the income of greater than INR 60,000 per month for salaried class and age should be between 21 years to 60 years.

Membership fee for this card is INR 2,500/- and renewable charge is also INR 2,500/-. But, renewable become free if the yearly spend is greater than INR 3 Lakh in the year. However, there is 2,500 reward points as welcome benefit and each year at the time of renewable reward points of 2,500 is credited in account.

HDFC Bank Money Back Credit Card

HDFc Bank Money back card is quite popular among masses. 2 reward point on every spend of INR 150 is allowed. If you are doing purchase online then reward points just become double. 100 reward points equal to INR 20.

1% fuel surcharge is allowed up to maximum of INR 400 per month.

50 days interest free credit is available on this card.

Annual or renewal fee of HDFC Money back credit card is INR 500. However, reimbursement of joining fee provision is there if the first year spend exceeds INR 20000/-, while second and consequent year if the yearly spend is INR 50000/- then the renewable fee is free.

There is a gift of INR 500/- if one purchase tickets more than INR 50000/- in a quarter.

Apply for HDFC Credit Card

Before the application of the HDFC credit card, we must decide for which HDFC credit card I will opt. Depending upon our need and as per our Income, we can select an HDSFC credit card. 

HDFC Bank offers a specialized credit card for different needs of customers. For example-  online shopping credit card, lifestyle credit card, women credit card, professional credit card etc. Name indicates the orientation of card having the group of sellers or services related to a category of customers.

All the above-mentioned credit card have the facility for earning credit points and redeeming the earned points but HDFC Bank also offer reward credit card and cashback credit card. One can select a card as per their need and profession, means whether a person is salaried class or self-employed.

Once you have selected an appropriate card for you, now you are ready to go for the application process. Following documents are required for application of HDFC credit card-

• Documents such as Aadhar card, PAN card, Government verified Job card etc. for your identity proof.
• Aadhar card, passport, electricity bill, water bill, etc. for the verification of your living place or home address.
• Last three years income tax returns as proof of your yearly income. The last three months’ salary slip as proof of your monthly income.

There are different modes of application available for the HDFC credit card. You can initiate the application by contacting the customer care executive, by online application through net banking or specific facility available on HDFC bank web page, or simply visiting the nearest branch of HDFC bank.

Contacting the Customer Care Executive

If you are already a customer of HDFC bank and like to open an HDFC credit card, you can dial the customer care service number available on your passbook or available online. We are providing the customer care number here also- 61606161 or 6160616 are the 24X7 toll-free customer care number, you have to put your city STD code before the number to dial.

You have to dial to customer care number by your registered phone. This customer care is an automated computerized system, you will be instructed to press a number for application of a new credit card. Once you will complete these formalities, latter work will be followed by an executive of HDFC bank; they will contact you, meet you and complete the application formalities.

Application Through Online Banking Portal

You can apply for a new credit card through your online net banking facility also.

• You have to log in to your net banking facility of HDFC bank.
• Left side columns, you will get the option to go into the credit card section. Go there.
• There is an option to select and apply for a new credit card.
• Once you will apply then the latter procedure will be followed by the HDFC bank executive, you have not to do anything accept to proving the documents as per the list shared on the above column.

Application Through HDFC Bank Web Page

When you search for HDFC credit card then a page under credit card option will appear on your computer screen having the option of apply online as shown in the following picture.

You have to press the apply online button. Once you will press the button the page asking for mobile number will appear. You have to provide your mobile number and proceed from there. Then a page asking your details related to your name, address, income, etc. will come.

You have to provide all the required information and complete the formalities. Latter on an executive from the bank will contact you and collect the required documents. This is the end of the application formalities from your side. One snapshot of the application page is given below for your reference.

Activation of a New HDFC Credit Card

Activation of a new HDFC credit card can be performed by different means. Activation of the credit card can be done by the ATM, by using net banking account or by using Imobile app.

Activation by ATM

• For activation of credit card, you have to request the customer care of HDFC bank for an open time pass ward (OTP).
• Once you receive the one time password in your registered mobile, now you can visit the ATM and set the PIN for your credit card. However, there is a maximum time limit to set the PIN of the HDFC credit card, it will be mentioned in the OTP message.
• You have to insert your credit card in ATM,
• Select the option of ‘Generate the PIN by OTP’.
• Insert the OTP received on your mobile phone and click OK.
• Option to generate PIN will appear, you have to number as per your choice, then you have click OK, once again you have to confirm the PIN, now PIN is known to you, your credit card is ready to use.

Activation by Net Banking

You can use the HDFC net banking facility to obtain the PIN of the new credit card.

• Log in to the internet banking of HDFC bank by using your credentials such as ID and password.
• Go to the credit card tab.
• Choose the generate PIN tab, choose the continue option.
• You will receive the PIN by post in your registered address.
• You will be advised to change the PIN by visiting an ATM.

Check HDFC Credit Card Statement

A few steps are required to check the HDFC credit card statement.

• Go to your HDFC online internet banking. Log in to it.
• Select the credit card tab available on the left side column.
• Browse down and choose the active card option.
• Select your card number and click it.
• It will show you the present sum of money to be paid with the deadline, it has the option to download the statement also.

HDFC Dinar Club Credit Card Login

Dinar club credit card has many facilities related to International travel, airport lounge facility, etc. The following steps may be adopted to login HDFC dinar club credit card. 

• HDFC dinar club credit card is more useful for International business professionals or travelers. It can be accessed on the web site-  https://www.hdfcbankdinersclub.in/Login.
• You can log in to hdfcbankdinersclub.in   by providing your email ID and password.

Redeem Award Point of HDFC Credit Card Platinum Plus

HDFC credit card platinum plus is known for its maximum number of credit points on different purchases. Since the credit point earned through an HDFC credit card has a validity of two years, hence it is essential to redeem the award point either in cash or in purchasing. Now the process for redeeming the award points is quite simple. You only have to take followings steps-

• Log in to HDFC internet banking.
• You will get an option to select a credit card available on the left side of the screen.
• When you will click the credit card option then again on the left side you will get different options- deregister card, redeem reward point, credit card payment, etc. as shown above.
• Click on the redeem reward point.
• There is a charge for redeem i.e. INR99 + GST on each redeem.

HDFC Credit Card Smart Loan

HDFC credit card offers special facility of granting loan for a particular kind of purpose. Smart EMI facility is related to easy low-interest re-payment of a purchase. 

If you want to take a loan then it comes under the Insta loan scheme, under Insta loan you can take a loan equal to the maximum credit amount of the card.

Following steps are essential to take the facility of smart EMI-

• The facility of smart EMI is available for purchasing electronics items, computers, insurance, etc.
• You can opt an option to opt the smart EMI, when you will do the purchasing that time the option of conversion of the purchase amount

Similarly, the facility of Insta loan can also be avail depending on need and as per the rule of the HDFC Bank.

Following is the chart of interest rate that one has to pay-

HDFC Credit Card Payment

HDFC credit card payment can be done in many different ways. It can be paid by specially designed for this work known as bill desk. However, one can pay the bill by internet banking also.

Bill desk is a special application designed by HDFC for payment of credit card bills. Bill desk is known as the quickest and easiest method of the credit card bill payment.

For first time users, a small registration process is needed. Without going through the registration process, you can pay the credit card bill too.

• There are a few simple steps; you have to execute for HDFC credit card bill payment.
• You have to go to https://www.billdesk.com/pgidsk/pgmerc/hdfccard/index.jsp
• First, you have to set an HDFC credit card number on the bill desk. This you have to do once only. The second step is the selection of your bank account from which you want to pay bill payment. Third and the last step are to click pay after filling the proper amount of bill.

HDFC Credit Card App

HDFC mobile banking app is used as a credit card works also. One can know the statement of credit card or one can pay the credit card EMI etc, with the help of the HDFC credit card app.

You have to first download the HDFC mobile banking app on your mobile. Once you will make a user ID and password in the mobile banking app, then it will be ready for use.

HDFC Credit Card Pros and Cons

Conclusion

HDFC bank offers around thirty-five numbers of credit cards having different features. There is an easy method for the application of a credit card that can be applied online or offline. HDFC bank HDFC Credit card payment can be done in many ways. One can pay it by using exclusively made app billdesk.com or through any internet bank option. HDFC also provides facility to pay credit card bill directly without logging in.    You can pay the bill online, through visiting ATM. Credit cards are safe and protected by the latest security feature.

HDFC Credit Card FAQs 

Q1. How can I apply for HDFC credit card?

Ans.- HDFC credit card can be applied by internet banking or through customer care service or by visiting the nearest HDFC branch. You have to produce documents such as identity proof, address proof, income tax returns, etc. to open the credit card.

Q2. Can I pay the HDFC credit card bill through other bank credit card?

Ans- Yes, You can pay the HDFC credit card bill by other bank credit cards. You have to bring the bill amount first in an e-wallet such as Paytm. Pay the HDFC credit card bill by the e-wallet.

Q3. Can I do HDFC credit card bills payment without internet banking?

Ans- Yes, You can do HDFC credit card payment without having internet banking facility. Go to www.hdfc.billdesk.com, select the credit card payment option. Enter the details of your credit card and the bill amount. Provide a debit card number from which you want to pay. Click OK and provide OTP.

Q4. How to do HDFC credit card payment by cash?

Ans- For cash payment, you have to go to the nearest HDFC bank branch. Go with complete details of your credit card. Fill the payment form, provide the HDFC bank account details, signed and submit.

Q5. How to clear the HDFC Dinar credit card bills?

Ans- You can pay the HDFC Dinar credit card bills by hdfc.billdesk.com or by going through the web site- https://www.hdfcbankdinersclub.in/Login