HDFC Bank Credit Card

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Types of HDFC Bank Credit Card

Name Joining Fees Benefits Rewards Rate of Interest
MoneyBack+ Credit Card ₹ 500 + Applicable Taxes
  • Gift vouchers worth upto ₹2000 annually
  • Up to 15% discount on partner restaurants in select cities via Dineout.
  • 10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
  • 5X CashPoints on EMI spends at merchant locations
  • 2 CashPoints per ₹150 spent on other spends ( Excluding fuel, wallets loads/prepaid card loads & voucher purchases )
43.2% p.a
Regalia Credit Card ₹ 2500 + Applicable Taxes
  • 1% fuel surcharge waiver at all fuel stations across India  ( on minimum transaction of ₹400  and maximum transaction of ₹5000 )
  • 12 Complimentary Airport Lounge Access within India and 6 outside India
  • Earn Bonus 15,000 Reward Points on spends of Rs 8 Lakhs in an anniversary year
  • 4 Reward Points for every Rs 150 spent
43.2% p.a
HDFC Millennia Credit Card ₹ 1000 + Applicable Taxes
  • Upto 20% discount on partner restaurants via Dineout
  • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
  • 5% Cashback on Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
43.2% p.a
Diners Club Black Credit Card ₹ 10000 + Applicable Taxes
  • Complimentary Ola | Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
  • Complimentary Golf games across the finest courses in the world
  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Dineout Passport, MMT BLACK and Times Prime
  • Up to 10X Reward Points via SmartBuy and 2X on weekend dining
  • 5 Reward Points for every Rs 150 spent
43.2% p.a
Freedom Credit Card ₹ 500 + Applicable Taxes
  • Up to 15% discount on partner restaurants in select cities via Dineout
  • 1 CashPoint for every Rs.150  on other spends
  • Earn 5X CashPoints on EMI spends at merchant locations
  • 10X CashPoints on your favourite merchants - Big Basket, BookMyshow, OYO, Swiggy & Uber
43.2% p.a
Shoppers Stop HDFC Bank Credit Card Nil
  • Lifetime FREE card
  • Complimentary Shoppers Stop membership
  • 1% fuel surcharge waiver of upto ₹250 per statement cycle, across all fuel stations in India
  • Earn First Citizen Points for every ₹150 spent on all retail transactions.
43.2% p.a
Paytm HDFC Bank Credit Card ₹ 49 (Monthly fees)
  • Paytm First Membership - Upto 75k worth benefits
  • Earn upto Rs. 1200 Cashback annually
  • 1% Cashback upon spending Rs.10,000 every month
  • Upto 3% Unlimited Cashback everytime
  • 1% cashback on all other Retail Spends
  • 2% cashback on all other select Paytm spends
43.2% p.a
HDFC Bank Times Credit Card Platinum ₹ 1000 + Applicable Taxes
  • 50 % discount on Movies on Book My show
  • Complimentary Times Prime Annual Membership worth Rs 999
  • Up to 20% discount offers on travel & shopping on
  • 10 Reward points per Rs 150 on weekday Dining
  • 3 Reward points for every Rs.150 spent on the card
43.2% p.a
6E Rewards XL- IndiGo HDFC Bank Credit Card ₹ 1500 + Applicable Taxes
  • Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax
  • 1 Complimentary 6E Prime Add-On (Priority check in, choice of seat, a complimentary meal & quicker baggage)
  • Welcome vouchers worth Rs 6000 from merchants such as
  • Accor Hotel stay voucher (30% off )- Rs 5,000
  • Accor Hotel Dining voucher (min. Txn of Rs 1500) - Rs 1,000
  • Up to 10% 6E Rewards on Indigo featured partners.
  • 2% 6E Rewards on Grocery, Dining & Entertainment
  • 1% 6E Rewards on all other spends*
  • 2.5% 6E Rewards on IndiGo
43.2% p.a
IndianOil HDFC Bank Credit Card ₹ 500 + Applicable Taxes
  • Earn up to 50 Liters of Free fuel annually
  • Enjoy 1% Fuel Surcharge waiver
  • Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments.
  • Earn 1 Fuel Point for every Rs. 150 spent on all other purchase
43.2% p.a

How to apply for HDFC bank credit card?

To apply for a credit card online, you can follow the below steps:

Step 1 : Compare all HDFC Bank credit card options available to you.
Step 2 : Select the option that is most viable to you, based on your requirements.
Step 3 : Check your eligibility, and if HDFC, then fill in the personal details in HDFC Bank App into the credit card application form.
Step 4 : Depending upon your monetary history, you may get instant credit card approval and enjoy the benefits.

Eligibility criteria for HDFC Bank Credit Card


  • Minimum: 21 years or above and 18 in some exceptional cases.
  • Maximum: 65 years


  • Minimum: 25k Monthly Income

Credit Score

  • The potential cardholder must have a CIBIL score of 750 or above.


  • Issued to both Indian and Non-Residential Indian (NRI).

Documents required for HDFC Bank Credit Card

Mandatory Documents

  • Recent coloured photos
  • Photocopy of PAN or Aadhar card

Identity proof

  • PAN Card
  • Aadhar Card
  • Passport
  • Driving License
  • Voter Id

Address Proof

  • Registered Rent Agreement or Lease Agreement
  • Aadhar card
  • Passport
  • Ration Card

Income Proof

  • Salary Certificate
  • Recent salary slip or business continuity proof
  • Employment letter
  • Form 16 / IT Returns


  • For metro cities, the potential HDFC Bank holder must earn a minimum of 25,000; for non-metro cities, it varies between 10,000 to 15,000, depending upon the individual and the bank.

  • Usually, the interest rates depend upon the billing cycle and due to repayment. So, if you pay before the due date, there are no charges, and if you make a partial payment, your bill will attract interest. The interest rate varies accordingly but usually summarizes 3% to 5%.

  • The minimum CIBIL score is 750 or above.

  • If you have a low CIBIL score, then there is the possibility that the bank will issue you regular credit. But in some exceptional cases, you can get an add-on or secured credit card.

  • The banks evaluate the credit card at the time of its renewal. So, based on your repayment history, the bank decides to increase or decrease the card limit.