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IDFC Credit Card

HDFC BANK has become one of the most popular and trusted credit card issuers bank in India. From rewards points and cashback discounts cards to shopping and travel, HDFC Bank Credit Cards are issued in all categories . By picking the right card, you can save a substantial amount when you shop, travel or dine. From entry-level cards like Moneyback and Millennia to premium options like Infinia and Diners Club Black, HDFC Bank has credit cards suiting everyone’s needs. With a lot of HDFC Bank Credit Cards present today , it might be difficult for you to choose a card that fits you the best. To help you out in choosing the right credit card, we are here with the list of all HDFC Bank Credit cards in India so that you can go through all of them, their feature & benefits, fees & charges, and apply for the one that seems to be best suited for you.



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Choose Your Credit Card

Get your Credit Card in Just few simple step

Step 1

Inupt your Details

Enter you details on application link received on your text message and lest us know your detail and card requirement

Step 2

Complete application

Complete your VKYC (Video Call Process),Sign the application digitally to get your card.

Step 3

Best offer for you

Basis your details we fetch best offer for you.

Documents & Eligibility For IDFC Credit Card

For Salaried

  • Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 20,000

For Self Employed

  • Indian national
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹6 Lakhs per annum

Fees and Charges on the IDFC Credit Card

Fees & Charges


Joining & Renewal Fees

Varies for all HDFC credit card

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Reward Redemption Fee

Rs 99 on every redemption request

Finance Charges/Cash Advance Fee

3.60% of the amount

Over Limit Fee

2.50% of the amount( subject to minimum charges of 500)

foreign Currency Markup Fee

2.00% of the foreign currency amount

Fuel Surcharge Wavier

1% fuel surcharge waiver at all fuel stations

Late Payment Charges

For Amount

  • Less Than Rs 100- Nil
  • Rs 100 to to Rs 500 – Rs 100
  • Rs 501 to  Rs 5000- Rs 500
  • Rs 5001 to Rs 10000- Rs 600
  • Rs 10001 to Rs 25000- Rs 800
  • Rs 25001 to  Rs 50000- Rs  1100
  • Over Rs 50000- Rs 1300

Add On Card Fee


Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

Key Highlights of the IDFC Credit Card

  • With a Hdfc credit card, you can make large purchases up to the credit card's sanctioned limit even if you are out of funds

  • Contactless feature of the card allow you to make you payment quickly, confidently, and securely. Just tap your card to pay at retail outlets in seconds. To activate contactless payments, please use MyCards.

  • Get exclusive benefit on successfully achieving spend base conditions

  • Convert you Card transaction into small emi for amount above Rs 2500

  • Get Low foreign currency markup on overseas purchases on select HDFC Bank Credit Cards.

  • HDFC Bank Credit Cards offers complimentary insurance benefits up to 3cr , Get air accidental cover and emergency overseas hospitalization cover with your card.

  • ​​​​​​​Contact our 24-hour call Center to report your lost Credit Card. Get liability waivers on fraudulent transactions upon prompt reporting

  • Leverage revolving credit facilities at nominal interest rates on HDFC Bank Credit Cards

Benefit Of IDFC Credit Card

  • Welcome Benefit:  HDFC Bank offers welcome benefit on activation of card to the card inform of  voucher, complimentary membership of premium partners, bonus reward point, accelerated cashback gift voucher and much more.Card user can avail welcome benefit on successful payment of Joining fees.
  • Reward points & Cashback:  if Every time  you use HDFC credit card you get reward points or cashback or sometimes in the form of intermiles as well.Cardholder can redeem earn reward point against endless  option of their choice.
  • Milestone benefit: Cardholder can avail the milestone benefit on successfully achieving the spend base condition on card .Milestone benefits are similar like welcome benefits like complimentary membership, gift vouchers, reward points, air ticket and much more.  
  •  Travel benefit:  HDFC credit card, also offer travel benefit like complimentary airport lounges domestic and international ,complimentary air ticket, stay voucher of premium hotel and many more.
  •  Movie and Dining benefit: To With HDFC credit card ,cardholder can enjoy a lots of Movie and Dining benefit, like  complimentary discounts on movie ticket, membership of premium food chain,like Dineout passport, EazyDiner  prime membership etc
  •  Fuel Surcharge waiver benefit:  HDFC credit card you can get 1% fuel surcharge wavier across India. You can also earn 50 liter fuel annually with HDFC Bank Credit Card.

Core Features

Get the Best Benefit with IDFC credit Card

HDFC Bank has credit cards suiting everyone’s needs.You can compare and apply for an HDFC credit card that best matches your spending preferences.

Frequently Asked Questions

  • You can apply HDFC credit card in just few simple steps, you can contact alternative channel like authorised channel partner of Bank, or you can alternatively can apply through Bank official website. You need to fill out and submit an application form along with the required documents. The bank will verify your details and process your application.

  • Pan card ,Addhar Card,Valid address proof and income documents are required to apply a credit card

  • Minimum age at the time of application should be 21 years Maximum age should be 60 years or retirement age whichever is earlier. Minimum net monthly income should be Rs.20000 Should have completed minimum 2 years in employment and minimum 1 year in the current organisation. Should have completed minimum 1 year of stay at the current residence, if rented.

  • Visit HDFC Bank’s official website, then go to the ‘Credit Cards’ section, scroll down to the ‘Important Links’ section, then you will be redirected to another page. Here, you can check HDFC credit card status online using a combination of any of these details: 1. Application reference number and mobile number 2. Application form number and mobile number 3. Date of birth and mobile number Enter the details and submit.…and the respective bank portal

  • Now you can get instant online approval in just few minutes,after approval done card delivery takes 3 to 7 working days.

  • There are various option available to make the payment of Credit Card,most perferable optoin is online payment from respective bank portal & netbanking application ,secondary is third party application like Paytm,Phone pay,Cred,aur mobikiwik..etc…

  • There is no cap on the number of times the limit can be changed,it depends on the repayment history of your credit card

  • Mostly all the credit cards issued by all major bank are active for international transactions. If you are unable to use the card for international transactions, you may call Bank's Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.

  • If you are already a HDFC Bank account holder you can easily link your credit card to your net banking service. However, if you are not the existing customer you can still register for HDFC credit card net banking. Follow this process: 1. On HDFC Bank’s official website, go to ‘Ways to bank’ section 2. Select ‘Bank online’ and then go to ‘credit card net banking’ 3. Click on ‘Register for credit card netbanking’ 4. Choose a Login ID and enter your details- name, credit card number, PIN, expiry date and create a new password for your account 5. Submit the form 6. If all the details are correctly entered, your HDFC credit card net banking account will be created

  • You can contact HDFC Credit Card customer care on 1800-202-6161/ 1860-267-6161. This number is accessible across India. Additionally, if you have any other query, you can also fill a feedback form by visiting the official website of the bank. The email address for HDFC customer care is [email protected].

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