Best HDFC Bank Credit Cards

HDFC Credit Card Fees and Charges

Before you pick any HDFC credit cards, it helps to know the main charges that usually apply. These costs can change by card type, but the overall pattern stays similar across the range:

Parameter	Short details
Annual fees	₹ 500 to ₹ 2,500
Interest & finance charges	Around 3.4% to 3.8% per month on unpaid balances and cash withdrawals, set card-wise.
Late payment & other charges	Late fee is slab-based on the statement amount. Higher outstanding means a higher fixed fee. Other charges apply for cash withdrawal, over-limit use and returns.
Foreign transaction fees	Usually, about 3.5% of the transaction value on foreign currency spends, plus taxes.

Key Benefits of HDFC Credit Cards

HDFC Bank offers a standard set of features across most HDFC credit cards, with a few variations from card to card. Here are the core benefits in simple form:

• Reward points or cashback on spends: Earn rewards on categories like shopping, dining, fuel and online payments. Many cards also give welcome and milestone bonuses.
• Interest-free period: Get up to about 55 days of interest-free credit on eligible purchases when you pay the full due on time each month.
• EasyEMI and SmartEMI: Convert large transactions into EMIs from your card for easier monthly payments, both online and at partner stores.
• Airport lounge and lifestyle benefits: Selected cards offer domestic or international lounge access, plus travel, dining and entertainment offers across partners.
• Fuel surcharge waiver on select cards: Many cards waive the standard fuel surcharge at partnered fuel stations, up to specified monthly limits.
• Add-on cards for family: You can take up to three add-on cards that share the central limit and earn rewards in one account, making family spending easier to track.
• Security and control: All new cards are contactless and support tokenisation, and you can manage limits, channels and usage through net banking or the mobile app. Lost card liability stops after you report the loss within the given time.

HDFC Credit Card Eligibility Criteria

The basic requirements needed to be eligible for HDFC credit cards are:

Criteria	Details
Minimum age	21 years
Eligible profiles	Salaried, self-employed, existing HDFC Bank customers, NRIs, PIOs and foreign nationals living in India
Minimum credit limit	Starts from ₹10,000
Application mode	Digital or physical form
Eligible segments	Individuals or entities per HDFC’s credit norms

Documents Required for HDFC Credit Card Application

When you apply for HDFC credit cards, the bank will ask for basic KYC and income documents. Keeping these ready makes the process quicker:

• PAN: PAN card for KYC and tax details.
• Proof of identity: Aadhaar card, passport, voter ID or driving licence.
• Proof of address: Aadhaar, passport, voter ID, or a recent utility bill (electricity, water, or gas).
• Income proof: Latest salary slips or Form 16 for salaried, or recent bank statement / ITR for self-employed, depending on the card.
• Photograph: Recent passport-size photograph, as and when required.

How to Block / Unblock HDFC Credit Card

HDFC Bank lets you control and secure your card with simple digital options. Most actions can be done in a few taps on the HDFC MobileBanking app or through NetBanking:

Block Your Credit Card

• Log in to the HDFC MobileBanking app or NetBanking.
• Go to Cards and select your HDFC credit card.
• Choose “Hotlist / Block Card”.
• Pick the reason and confirm to block the card instantly.

Unblock Your Credit Card

• If the card was temporarily blocked (channel ON/OFF), enable it again in the Card Controls section.
• If the card is permanently blocked or hotlisted, the bank will issue a replacement card.

How to Choose the Right HDFC Credit Card?

HDFC Bank has cards for different spending styles, so the right choice depends on what you use your card for the most:

• Look at where you spend more: travel, online shopping, fuel or dining. Choose a card that rewards those categories.
• Check the joining and annual fees, and see if the benefits you use can cover those costs.
• Compare reward structures and see whether points, cashback or vouchers suit your routine better.
• Review the interest rate and basic fees to understand the cost if you carry a balance.
• Check eligibility requirements before starting the HDFC card application process to avoid rejection.
• If you already bank with HDFC, look for HDFC pre-approved credit card options in the app or NetBanking.

Tips to Maximise HDFC Credit Card Rewards

You can use your HDFC Bank Credit Card in many ways to earn more value from regular spending. A few small habits can help you collect points faster and make better use of the card:

• Use your HDFC credit cards more in categories that offer extra points or cashback, such as online shopping, dining, or travel.
• Check ongoing HDFC credit card offers on flights, hotels and partner brands before you make a big purchase.
• Pay your full bill on time so you don’t lose value to interest or late fees.
• Convert large spends into SmartEMI if needed, so you can manage payments without affecting rewards.
• Take add-on cards for family members to collect all reward points in one place.
• Redeem points regularly through NetBanking or the HDFC MobileBanking app to prevent them from expiring.

Steps to Apply Online Through Urban Money

Applying for an HDFC Bank Credit Card through Urban Money is simple and entirely online. You only need a few basic details and documents to get started.

• Visit the Urban Money website and open the Credit Cards section.
• Select the HDFC card you prefer from the list of available options.
• Click on the HDFC card apply button.
• Enter your personal details, contact information and income.
• Upload PAN, Aadhaar and any required documents.
• Submit the form so Urban Money can forward your request to HDFC Bank.
• Wait for verification and approval, and then your card will be processed.