Apply for an HDFC Bank
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Cashback Benefits
Lounge Access (Card-specific)
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Why Apply for an HDFC Credit Card via NetAmbitX?
Fully Online Application
Complete your credit card request digitally from anywhere.
Official Bank Redirect
Your application is submitted only on HDFC Bank’s secure website.
Quick Eligibility Check
Find out if you qualify for an HDFC credit card within minutes (bank-dependent).
Wide Range of Cards
Choose from shopping, travel, lifestyle, fuel and business cards based on your needs.
Reward & Cashback Benefits
Complete your credit card request digitally from anywhere.
Airport Lounge Access
Several HDFC cards offer domestic or international lounge access for smoother travel.
Easy EMI & Bill Payments
Convert purchases into EMIs and automate recurring payments.
Secure Transactions
All journeys follow SSL-encrypted and RBI-compliant processes.
Note: Features vary by card. Please check specific card details on HDFC Bank’s official website.
Top HDFC Bank Credit Cards in 2025
HDFC Bank is recognised for its strong range of credit cards that fit different lifestyles and spending patterns. From travelling to shopping, dining to business use, you’ll find an HDFC card that matches exactly how you spend.
You can pick from reward-based cards like the HDFC MoneyBack Credit Card, Pixel Play HDFC Credit Card, travel-focused cards like the HDFC Marriott Bonvoy Credit Card, or lifestyle cards such as the Swiggy HDFC Credit Card and Tata Neu HDFC Credit Card. Many of these cards include welcome perks, bonus reward points, fuel surcharge waivers and several additional privileges.
Top HDFC Bank Credit Cards
Let’s explore a quick comparison of popular HDFC credit cards:
| Credit Card Name | Reward Rate / Cashback Structure | Joining Fee | Annual Fee | Best For |
|---|---|---|---|---|
| Pixel Play Credit Card | 5% cashback on BMS/Zomato/MMT/Blinkit/Uber; 3% Amazon/Flipkart/PayZapp; 1% others; 1% UPI | Lifetime Free | Lifetime Free | Lifestyle, Cashback, Food, Travel, Shopping |
| Freedom Credit Card | 10X CashPoints on BigBasket, BMS, OYO, Swiggy & Uber; 5X on EMI; 1 CP/₹150 others; 10% Swiggy Dineout | ₹500 + GST | ₹500 + GST | Food, Travel, Shopping, Cashback |
| Diners Club Black Metal Edition | 2X Weekend Dining; 5 RP/₹150; lounge access | ₹10,000 + GST | ₹10,000 + GST | Premium Travel, Lifestyle, Food |
| INFINIA Metal Edition | 5 RP/₹150; 10% dining; unlimited lounge | ₹12,500 + GST | ₹12,500 + GST | Premium Travel, Dining, Cashback |
| Swiggy HDFC Bank Credit Card | 10% Swiggy; 5% online brands; 1% others | ₹500 + GST | ₹500 + GST | Food, Online Delivery, Cashback |
| Tata Neu Plus HDFC Bank Credit Card | 2% NeuCoins (Tata brands); 1% others; 1% UPI | ₹499 + GST | ₹499 + GST | Shopping, Travel, Cashback |
| IRCTC HDFC Bank Credit Card | 5 RP/₹100 IRCTC; 5% SmartBuy; 8 lounge access | Lifetime Free | Lifetime Free | Rail Travel, Cashback |
| Millennia Credit Card | 5% cashback on Amazon/Flipkart/Swiggy, etc.; 1% others | ₹1,000 + GST | ₹1,000 + GST | Lifestyle, Premium Cashback |
| MoneyBack+ Credit Card | 10X CashPoints on Amazon/Flipkart/Swiggy; 2X others | ₹500 + GST | ₹500 + GST | Shopping, Food, Cashback |
| Regalia Gold Credit Card | 5X on Myntra/Nykaa/M&S; 4 RP/₹150 others | ₹2,500 + GST | ₹2,500 + GST | Premium Shopping, Fashion |
| Marriott Bonvoy HDFC Bank Credit Card | 8 Points/₹150 at Marriott; 4 Points travel/dining | ₹3,000 + GST | ₹3,000 + GST | Travel, Hotels, Premium Lifestyle |
| Tata Neu Infinity HDFC Bank Credit Card | 5% NeuCoins Tata brands; 1.5% others | ₹1,499 + GST | ₹1,499 + GST | Shopping, Premium Cashback |
| Shoppers Stop HDFC Bank Credit Card | 3% SS spends; 1% non-SS spends | ₹299 + GST | ₹299 + GST | Shopping, Fashion |
| Diners Club Privilege Credit Card | 5X Swiggy/Zomato; 4 RP/₹150; lounge access | ₹2,500 + GST | ₹2,500 + GST | Premium Food, Travel, Lifestyle |
| Regalia Credit Card | 4 RP/₹150; lounge access; reward bonuses | ₹2,500 + GST | ₹2,500 + GST | Premium Travel, Lifestyle |
| Diners Club Black Credit Card | 5 RP/₹150; up to 10X SmartBuy; lounge access | ₹10,000 + GST | ₹10,000 + GST | Premium Lifestyle, Travel |
| Biz Power Credit Card | 4 RP/₹150; vouchers; lounge access | ₹2,500 + GST | ₹2,500 + GST | Business Travel & Lifestyle |
| Biz Grow Credit Card | 2 CashPoints/₹150; fuel waiver | ₹500 + GST | ₹500 + GST | Business Cashback, Fuel |
| Giga Business Credit Card | 6 CP/₹150 on business spends; OTT benefits | ₹500 + GST | ₹500 + GST | Small Business, Lifestyle |
Key Features of HDFC Credit Cards
HDFC Credit Cards are built to make everyday spending smoother, more rewarding and easier to manage. From travel and shopping to monthly budgeting, these cards offer features that fit different financial needs. Here’s a closer look at what they offer:
Annual Fees and Renewal Charges
Each HDFC Credit Card comes with its own annual and renewal fee, depending on the card category and your financial profile. These charges are shared with you during the application so you know everything upfront. Some cards also waive the annual fee when you meet a specific yearly spending target.
Interest-Free Credit Period
You can enjoy up to 50 days of interest-free purchases as long as your previous statement is cleared on time. This extra time helps you manage your monthly cash flow without paying additional charges.
Revolving Credit Facility
If you cannot clear your full bill, HDFC allows you to pay a smaller amount and carry the remaining balance forward. The interest rate starts at 1.9 percent per month and depends on your repayment history and the card type. This gives flexibility during tight months.
Cash Withdrawal Facility
You can withdraw cash from ATMs using your HDFC Credit Card if needed. A 2.5 percent fee is applied, with a minimum of ₹500. Since interest begins from the withdrawal date, it is best kept for urgent needs only.
Credit Limit on the basis of Profile
Your credit limit is assigned based on factors like income, spending habits, and credit history. If you choose add-on cards for family members, the shared limit helps you track everyone’s usage easily.
Overlimit and Late Payment Charges
If your spending crosses the assigned limit, a 2.5 percent overlimit fee will apply (except for select premium cards like Infinia). Late payments attract charges between ₹100 and ₹750, depending on the bill amount. Timely payments help avoid these fees and maintain a strong credit score.
Benefits That Make HDFC Credit Cards Stand Out
HDFC is known not just for its wide range of cards but also for benefits that make everyday spending more rewarding. Here are the standout advantages:
Instant Online Approval
Submitting an application is quick and fully digital. Upload your documents online and, if eligible, receive approval within minutes.
Auto-Pay Facility
You can link your HDFC Credit Card to pay utility bills such as electricity, phone, and water automatically each month. This ensures bills are paid on time without manual reminders.
Buy Now, Pay Later
Shop now and pay the amount later within the interest-free window of up to 50 days. It is useful for managing monthly expenses without immediate cash outflow.
Reward Points on Every Spend
Every eligible purchase earns reward points. These can be exchanged for flights, gadgets, gift vouchers or cashback through the HDFC Rewards portal.
Loan on Credit Card
If you need urgent funds, you can convert part of your available limit into a Jumbo Loan with easy EMIs and competitive interest rates. This is helpful for large purchases, travel plans or medical expenses.
Cashback and Partner Discounts
Enjoy regular discounts and cashback on dining, shopping, movies, travel bookings and more through HDFC’s brand partnerships.
Easy Expense Monitoring
Your monthly credit card statement displays a detailed list of all transactions, helping you track spending patterns and maintain a clear budget.
Eligibility Criteria
Eligibility requirements for HDFC credit cards vary by card type, but most applicants need to meet these basic conditions:
Age Criteria
Salaried individuals should be between 21 and 60 years old and Self-employed applicants can apply from 21 to 65 years of age.
Income Requirements
Minimum monthly income starts around ₹15,000 for entry-level cards. Premium cards require higher income levels, depending on the category.
Nationality
Applicants must be Indian residents or NRIs with a valid Indian address.
Credit Score
A good credit score, usually above 700, increases the chances of approval.
HDFC Credit Card Fees & Charges
HDFC credit cards come with different fees based on the card tier and benefits. Exact charges are shared during application, and many cards offer ways to save on annual fees through regular spending. Some of the common charges include the following:
| Particulars | Charges |
|---|---|
| Joining Fee | ₹0 – ₹5,000 (plus taxes), depending on card type |
| Annual/Renewal Fee | ₹500 – ₹12,500 (waived off on reaching annual spend threshold) |
| Interest Rate (APR) | 1.9% – 3.6% per month (22.8% – 43.2% per annum), based on card and usage |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher |
| Late Payment Fee |
Based on Total Due: ₹0 – ₹100: Nil ₹101 – ₹500: ₹100 ₹501 – ₹5,000: ₹500 ₹5,001 – ₹10,000: ₹600 ₹10,001 – ₹25,000: ₹750 ₹25,001 – ₹50,000: ₹950 Above ₹50,000: ₹1,100 |
| Overlimit Charges | 2.5% of overlimit amount (min ₹550) |
| Card Replacement Fee | ₹100 (domestic) |
| Reward Redemption Fee | ₹99 per redemption request |
| Foreign Currency Markup Fee | 3.5% of the transaction value (standard); 2% for premium cards |
| Cash Processing Fee (if applicable) | ₹100 per deposit at branch (for credit card bill payment in cash) |
| GST | As applicable (currently 18%) on all charges |
Some Important Points
- Annual fee waivers are available on many cards when you reach a specific yearly spending amount. (e.g., ₹1,00,000 for entry-level cards or ₹3,00,000+ for premium cards).
- The interest-free period of up to 50 days applies only when the previous statement is fully paid.
- Overlimit usage is discouraged because it leads to penalties and affects your credit score.
- Cash withdrawals start accruing interest from the same day you withdraw, with no grace period.
Documents Needed for HDFC Credit Card
Application
Submitting accurate documents helps HDFC verify your identity, income and eligibility quickly. Requirements differ for salaried and self-employed applicants.
Documents for Salaried Applicants
Identity Proof (Any one)
- PAN Card (mandatory)
- Aadhaar Card
- Passport
- Driving License
Address Proof (Any one)
- Aadhaar Card
- Passport
- Utility bill ( not older than 3 months )
- Driving License
- Registered rent agreement
Income Proof
- Last 3 months’ salary slips, or
- Form 16 from employer, or
- Bank statements for the last 3 months showing salary credits
Photograph
A recent passport-size colour photo (for offline applications).
Documents for Self-Employed Applicants
Identity Proof (Any one)
- PAN Card (mandatory)
- Aadhaar Card
- Passport
- Driving License
Address Proof (Any one)
- Aadhaar Card
- Passport
- Utility bill ( not older than 3 months )
- Office address proof (for business owners)
Income Proof
- Latest Income Tax Return with income computation (last 1–2 years)
- CA-audited financial statements (Profit & Loss and Balance Sheet)
- Bank statements for the last 6 months of the business account
Business Proof
- GST Certificate
- Shop Act License
- Partnership Deed (if applicable)
- Business Registration Certificate
Important Notes
- All documents must be self-attested before submission.
- PAN Card is compulsory for every applicant.
- HDFC may ask for more documents based on your profile or the type of card.
- For online applications, most documents can be uploaded digitally, and video KYC may be used for verification.
How Can You Pay HDFC Credit Card Bill Online?
Paying your HDFC credit card bill on time is important for maintaining a strong credit score. HDFC Bank offers several convenient online payment methods you can choose from:
NetBanking
Log in to HDFC NetBanking, open the Cards section, and select Credit Card Payment to clear your dues.
Mobile Banking App
Use the HDFC Bank app, go to Pay, then choose Cards and make your payment instantly.
BillDesk
Visit HDFC’s BillDesk payment page and pay your bill directly from any other bank account.
NEFT Transfer
Add your HDFC credit card as a beneficiary using the IFSC code HDFC0000128 and pay via NEFT.
UPI Payment
Use UPI apps to pay through your card’s UPI ID (visible inside the HDFC mobile app).
Auto-Debit
Set up automatic payments from your HDFC savings account to avoid missed due dates.
Where can you use HDFC Credit Cards?
Using your card is simple once it is activated. Here are the main ways you can use an HDFC credit card:
In-Store Shopping
Swipe, tap or insert your card at POS machines for quick payments.
Online Shopping
Enter your card details at checkout or save them securely on trusted merchant websites.
International Use
Enable international transactions through NetBanking or the mobile app before travelling.
EMI Conversion
Convert eligible purchases into EMIs at checkout or through NetBanking after the payment.
Card Controls
Manage spending limits, usage types, and security options using the NetBanking portal.
Balance Transfer Feature & Its Benefits
The Balance Transfer option lets you move outstanding dues from another bank’s credit card to your HDFC card. This helps you manage repayments more easily.
- Log in to HDFC NetBanking or call customer service.
- Select the Balance Transfer option under Credit Card services.
- Share the details of your existing credit card and the amount you want to transfer.
- Once approved, HDFC transfers the amount, often with a lower interest rate or zero interest for a limited time.
Benefits of Using Balance Transfer:
- Save money by reducing high interest charges
- Repay in structured EMIs
- Improve credit health by consolidating debt
Types of HDFC Bank Credit Cards
HDFC Bank offers a wide range of credit cards designed for different needs:
Shopping
Cards
Cards like Millennia and MoneyBack+ are ideal for everyday shopping and online spending.
Travel Cards
Examples include HDFC Bank Diners Club cards and InterMiles HDFC Bank Credit Card.
Premium Cards
Infinia and Regalia offer top-tier privileges and lifestyle benefits.
Fuel Cards
The IndianOil HDFC Credit Card helps you save on fuel expenses.
Business Cards
Business MoneyBack and Corporate Platinum cards come with features built for business requirements.
Each card category includes its own set of rewards such as cashback, vouchers, air miles or business benefits.
Reward Redemption Process
HDFC cardholders can redeem reward points easily through NetBanking:
- Log in and go to Cards
- Select Enquire
- Click Redeem Reward Points.
- Browse categories like flight bookings, vouchers or products
- Redeem instantly
Some cards also allow you to convert points to air miles or cashback.
SmartBuy Program
SmartBuy is HDFC’s dedicated rewards platform. When you shop through SmartBuy, you can earn extra reward points or cashback on:
- Flight and hotel bookings
- Online shopping through Amazon, Flipkart and TataCliq
- Gift vouchers and deals
It’s a convenient way to maximise what you earn on each transaction.