Paying for groceries, booking movie tickets, settling a restaurant bill, or purchasing a laptop during an online sale becomes much simpler when a credit card is in your wallet. The ability to make quick, cash-free payments while earning rewards or cashback has made credit cards a preferred choice for millions of people.
HDFC Bank offers a variety of credit cards designed for different lifestyles. In this blog, you will understand how to apply HDFC credit card online and offline, its eligibility criteria, and most importantly, choose the right card for yourself.
| Requirement | Applicant Details |
|---|---|
| Age | At least 21 years old |
| Nationality | An Indian National |
| Residential Status | Resident Indians or Non-Resident Indians (NRIs) |
| Employment Status | Either a salaried professional or a self-employed individual |
| Annual Income | Annual income determines the HDFC credit card type and credit limit |
| Category | Documents |
|---|---|
| Identity Proof | Aadhaar/Driving License/Voter ID/Passport |
| Address Proof | Aadhaar/Driving License/Voter ID/Passport |
| Income Proof (for salaried) | Bank statements/Salary slips/Form 16 |
| Income Proof (for self-employed) | Latest individual ITR and ITR computation sheet |
Ask yourself these questions: Do you have high expenses on fuel or groceries? Do you spend a lot on travel, including flights and hotels? Is your major expense dining out and entertainment? Your answers will help you select the most suitable credit card for your needs, based on your spending habits and preferences.
Read on: HDFC Credit Card Bill Payment: Easy Online & Offline Ways
HDFC Bank offers a range of credit cards tailored to your specific needs. For example, if you are a first-time credit card holder, then entry-level cards with low fees can be ideal. If you plan to spend on day-to-day basic amenities, then cashback cards are the best choice; premium cards, on the other hand, offer benefits for luxury facilities.
Credit cards cater to various lifestyles and spending habits. To find the best fit, evaluate the card based on its reward points, cashback, annual fees, and network type. Also, check the income, credit score, and employment requirements before applying for a credit card, as the eligibility criteria vary by card.
If you're already an HDFC Bank customer, the bank might have pre-approved HDFC Bank credit card offers for you. This means they've already checked your background. As a result, the application process becomes much simpler, and you often won't need to submit as many documents as a new customer would.
When applying for a credit card, you'll encounter various fees. These typically include an annual fee, a joining fee, and an interest rate if you carry a balance. If you use the card overseas, there's also a foreign transaction fee. All these costs can quickly add up, so pick a card that truly benefits your wallet in the long run.
Also Read: How to Check Your HDFC Credit Card Statement
You can redeem HDFC credit card points and cash back with your card and use these for great perks like exciting gifts, fuel surcharge waivers, vouchers, free shopping trips, airmiles, flight tickets, and statement credit rewards through exclusive deals with select online and offline merchants.
With your card, you can set up automated payments for regular bills, such as phone, electricity, or gas bills. This will help you pay on time every month, so you avoid late payment penalties and build a strong credit history.
Credit scoring agencies assign credit scores to individuals by evaluating their payment history and other relevant factors. Maintaining consistency in repaying your debts on time provides a boost to your credit score, which benefits you when applying for a credit card or loan facility.
A credit card offers an interest-free period, also known as a grace period, which can be up to 50 days on your purchases. This means you can buy items now and pay for them later without incurring any interest as long as you pay your entire outstanding credit by the due date mentioned on your statement. If you pay in full, it’s like getting a short-term, free loan.
You can easily track all your monthly spending using MyCards, through net banking or mobile banking. It shows you a detailed summary of your bills, breaking down each item and its associated cost. This is useful to understand where your money goes and spot any errors.
You now have a clear understanding of how to apply HDFC credit card. Before applying, familiarise yourself with the range of features and benefits the card offers, such as rewards and cash back, a recurring payment facility, interest-free credit, and a reliable expense tracker.
Moreover, since there are different HDFC credit card types available in the market, you must review the eligibility criteria and required documents for both online and offline applications to make your HDFC Bank credit card application hassle-free.
You can apply for an HDFC credit card online by visiting the bank’s official website.
Visit your nearest HDFC Bank branch, fill out the credit card application form, provide KYC documents, and submit it. Once approved, your card will be delivered within 10–15 working days.
Depending on the card type, benefits include cash back, reward points, fuel surcharge waivers, airport lounge access, contactless payments, Smart EMI, and complimentary add-on cards.
Yes, if you apply online and don’t have a pre-approved offer, completing Aadhaar-based e-KYC or video KYC is mandatory to verify your identity before the card is issued.
You can redeem your reward points by logging in to HDFC NetBanking or Mobile Banking. Go to the Credit Cards section and select Redeem Rewards. Alternatively, you can also log in to MyCards and redeem your points directly.
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