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  • HDFC Bank Visa Signature Credit Card

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    Key Highlights of the HDFC Bank Visa Signature Credit Card

    A card that is made for those who love to travel, the HDFC Bank Visa Signature Credit Card offers access to airport lounges and lets you earn 2 Reward Points for every Rs.150 that you spend.

    • Get 2 Reward Points per Rs.150 that you spend.
    • Save up to Rs.8,300 annually.

    Features and Benefits of the HDFC Bank Visa Signature Credit Card

    Airport Lounge Access
    • Enjoy airport lounge access across the globe.
    Rewards
    • Get 2 Reward Points per Rs.150 spent (on eligible transactions).
    Complimentary Insurance Coverage

    You get two types of insurance coverage with your HDFC Bank Visa Signature Credit Card. They are:

    • Accidental death insurance
    • Fire and burglary protection
    Accidental Death Insurance
    • Up to Rs.50 lakh complimentary coverage.
    • Insurance kicks in when you make a minimum of 4 transactions (of Rs.100 or more each) using your card in a calendar month.
    • The transactions cannot be ATM transactions or e-commerce transactions.
    Purchase Protection for Fire and Burglary
    • Up to Rs.25,000 coverage for personal portable equipment.
    • Up to Rs.2 lakh coverage for all other assets.
    • For the insurance to kick in, the asset purchased needs to be at least Rs.5,000.
    • This coverage is valid only for 180 days post the purchase date.
    Add-on Cards

    With the HDFC Bank Visa Signature Credit Card, you get up to 3 add-on credit cards, so your family can also enjoy owning this card.

    First-year Fee and Annual Fee Waiver
    • Get your first-year fee reversed when you spend a minimum of Rs.15,000 within the first 90 days from the date of your card being set up.
    • Get your annual fee reversed to zero when you spend a minimum of Rs.75,000 in the year prior to membership renewal.

    HDFC Visa Signature Credit Card Limit

    The limit on your credit card is the total amount you can spend without being charged any over-limit penalty.

    You will be intimated by the bank about the limit on your card.

    The limit on your card is determined by a number of factors. These include (but not limited to) your employment status, your income, your credit repayment history, the number of debt obligations you currently have, your repayment history, and your credit score.

    Since these factors differ from one person to another, the credit limit on your card could be different from the credit limit on another person's card.

    Latest Offers on Your HDFC Bank Visa Signature Credit Card

    Use your credit card to enjoy these offers:

    • 10% discount on your Accor Plus Combo membership (valid until 31 December 2019).
    • 20% instant discount on your Zoomcar booking (valid until 31 December 2019).
    • 25% off on movie and non-movie bookings made on Book My Show twice each month. This offer also entitles you to Rs.50 off on FnB purchases made each month per customer (valid until 31 March 2020).

    Reward Points Benefits on Your HDFC Bank Visa Signature Credit Card

    As mentioned earlier, you earn 2 Reward Points for every Rs.150 that you spend.

    How to Redeem Reward Points Earned on Your HDFC Bank Visa Signature Credit Card?

    You can redeem the Reward Points you earn on your card for products and vouchers from HDFC's rewards catalogue.

    Here's how you can go about redeeming the points you have earned:

    • Login to your HDFC net banking account.
    • If you haven't registered your credit card, register it so that you can move on to the next step in the redemption process.
    • Select 'Redeem Reward Points' (which you can find on the left side navigation bar) and proceed to choose your credit card.
    • You will then be redirected to the online rewards redemption portal.
    • Select 'Redeem Reward Points' and choose the items you would like to add to your cart.
    • Before you check out, make sure that your address and other details are correct. This is extremely important since the product you redeem will be dispatched to the address provided.
      • If the details provided are incorrect, please call customer service and get your details updated. You should proceed with the redemption of your points only once the address details have been updated.
    • Once you redeem your points, you will receive a Redemption Order Number. Take note of this number since you will need to use it for all communication regarding the redemption.

    Alternatively, you can also fill in the 'Rewards Redemption Form' and mail it to:

    • Rewards Helpdesk

    HDFC Bank Cards Division

    P.O. Box No. 8654

    Thiruvanmiyur, P.O.

    Chennai 600 041

    Fees and Charges for the HDFC Bank Visa Signature Credit Card

    Type of Charge Amount
    Cash advance limit 40% of the credit limit
    Grace period Up to 50 days
    Cash processing fee Rs.100
    Rewards redemption fee Rs.99 per redemption request
    Late payment fee - Less than Rs.100: Nil

    - Rs.100 to Rs.500: Rs.100

    - Rs.501 to Rs.5,000: Rs.500

    - Rs.5,001 to Rs.10,000: Rs.600

    - Rs.10,001 to Rs.25,000: Rs.800

    - More than Rs.25,000: Rs.950

    Loan pre-closure fee 3% of the balance principal outstanding
    Reissue of lost, stolen, or damaged card Rs.100

    Eligibility for the HDFC Bank Visa Signature Credit Card

    The eligibility criteria for this card may include specific income criteria. However, in general, here are the eligibility criteria for this card:

    Salaried Individuals
    • Minimum age: 21 years
    • Maximum age: 60 years
    Self-employed Individuals
    • Minimum age: 21 years
    • Maximum age: 65 years

    Documents Required for the HDFC Bank Visa Signature Credit Card

    The documents required to apply for this card may differ from person to person. In general, though, here are the documents that you may be required to submit:

    • Identity-related documents: These documents can include your PAN card, driving licence, passport, and Aadhaar card among others.
    • Address proof documents: Your Aadhaar card, passport, and ration card could be used as documents for address proof.
    • Income proof documents: The bank may ask you to show proof of income. You can do this by submitting your latest payslips, your latest income tax returns, or your latest Form 16 among other documents.

    How to Apply for the HDFC Bank Visa Signature Credit Card

    You can apply for this card on the bank's website.

    All you have to do is fill in the online application form and provide the required details. You may then receive a call from the bank or an SMS regarding the status of your application.

    Alternatively, you can visit your local HDFC branch and apply for the credit card there.

    HDFC Bank Visa Signature Credit Card Frequently Asked Questions

    1. What is the validity of the Reward Points that I earn on this card?
    2. Your Reward Points are valid for two years from the date of accumulation. This means that if you earn your points in June 2019, they will expire in June 2021.

    3. What do I do if I lose my card?
    4. In case you lose your credit card, or you see any unauthorised charges made to your card, contact the bank's call centre immediately and block your card. This way, you will not be held liable for any unauthorised transactions made on your card.

    5. What is the interest-free period on this card?
    6. With the HDFC Bank Visa Signature Credit Card, you enjoy an interest-free period (or a grace period) of up to 50 days.

    7. My credit card has an EMV chip. What do I do if the merchant I am buying from doesn't have a chip terminal?
    8. You can still use your credit card even if the merchant you are making a purchase from doesn't have a chip terminal. In such a case, the merchant will use the magnetic strip on your card and will swipe your card instead.

    9. How do I make a claim for fire and burglary insurance?
    10. In order to make a claim, you should:

    11. Intimate any loss to the bank within 15 days of the loss. You can do this by emailing bankclaims@hdfcergo.com.
    12. Submit all relevant claim-related documents within 45 days from the date of loss of the product. Your documents need to be submitted to bankclaims@hdfcergo.com.
      

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    Credit Card Reviews

    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank Visa signature Card directly with HDFC Bank.I am using it for the past 7 years. This is a chargeable Card.The credit limit is not good accordng to me .The Credit limit is upto 1,20,000.I have Not faced any issues on using the card till now .The Overall Service is Good .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 22, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      HDFC Bank is also good in the credit card offers and deals. They also provide good customer services and they are responsive too. The card has nice benefits and the credit limit is fine. I have not faced any inconvenience whilst using the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 14, 2018
    • HDFC Bank Credit Card
      "Useful card for the online shoppers"
      0.5 3.5/5 "Pretty good"
      I'm not very sure about the interest rate and other service charges. In HDFC, there is no annual fee. I have been using this HDFC credit card was close to 3 years. They have offered me a credit limit of Rs. 1.25 lakhs and I'm satisfied with because I'm not using much. In HDFC, offers are there in terms of flipkart and Amazon. Sale offers there particular brand and electronic wise. Instant discounts will be available.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 26, 2018
    • HDFC Bank Credit Card
      "Better Card to Use"
      0.5 4.0/5 "Great!"
      Actually, They will not provide change EMI immediately. They will not provide EMI conversion for all purchase. They are not providing the proper response to the customer. Based on the account details only they will provide EMI options. Since, it is based on the salary account, They wont charge annual fee. For long time they have provide all the facility at least for the salary account customers. They are not doing the favor to the long time customer. This is not acceptable.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I'm happy with the HDFC Visa Signature credit card, they offered me a fair limit of 3 Lakhs and I'm happy about it. The Customer Support is good, The rate of interest 14% per year which is also satisfactory. Overall I'm happy with their services and charges.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 29, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I'm holding the HDFC Visa Credit Card for 1 year. Their services are really good. The customer support is really good and mobile app is really convenient for all banking activities. HDFC always offers best service to their customer. I'm happy with the features and benefits of this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Using the HDFC bank VISA signature credit card for more than 5 years. The credit limit value is low with this card ,but they have increased it gradually. The benefits are better with this card and I am satisfied using the HDFC bank credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 24, 2018
    • HDFC Bank Credit Card
      "Service"
      0.5 3.5/5 "Pretty good"
      It's the best card. Reward points are of great value when compared to other bank credit cards.one reward points is equal to 1 INR.The bank application provides easy way to pay credit card bill online at anytime and anywhere. Shopping is made easy with these cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 09, 2018
    • HDFC Bank Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Signature Credit Card for 2 years. The credit limit was satisfactory, they given me 4L. I am getting reward points and cash back offers are good. It is a lifetime free credit card and the charges are waived off on this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 24, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      As I'm a 3 years customer with HDFC Bank they offered me a credit card and I accepted it. They gave me a HDFC Bank VISA Signature credit card. I have been using this card for the past 1.5 years. I may pay Rs. 500 as annual fees. I mostly use this credit card for fuels and shoppings.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 09, 2017
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      I bank with HDFC Bank for the credit card for the last three days. From my experience it is not very easy to redeem the points as I have to send a letter to the branch and ask them to redeem the points and then they would convert the same to cash. They also need to be more transparent in the statements.
      Was this review helpful? 0
      , pune
      Reviewed on May 15, 2017
    • HDFC Bank Credit Card
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      For past six years, I am using visa signature credit card with HDFC Bank. Credit limit is enough for my usage, so it is not required to upgrade my credit limit. I have enough reward points on my card, but I do not know how to redeem those reward points. Even, I got cash back offers.
      Was this review helpful? 0
      , lucknow
      Reviewed on Mar 20, 2017
    • HDFC Bank Credit Card
      "Good."
      0.5 4.0/5 "Great!"
      It was a very good service offered by HDFC Bank related to the credit card process.They do provide lot of benefits in the card.I am getting movie ticket offers available in the card.The response time taken was too long from their employees which they have to work with.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 27, 2016
    • HDFC Bank Credit Card
      "Perfect"
      0.5 4.0/5 "Great!"
      More than three years I am using the signature credit card of HDFC bank. There is no annul fee for the card. EMI Facility is given but the interest rate depends upon the tenure and the amount. The redemption for the points are very simple I have redeemed it two to three times. The product we select from there portal is send to our place within 10-15 days.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 16, 2016
    • HDFC Bank Credit Card
      "Need reminder on payments!"
      0.5 4.0/5 "Great!"
      HDFC bank is sending the statement on time. But they are giving proper reminders for making payments. For more than 8 years, I am having the signature credit card and I never faced issues in accessing the credit card in outlets. I would suggest them to provide proper reminders so that the customer will not miss the payments.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2016
    • HDFC Bank Credit Card
      "Excellent bank and services"
      0.5 5.0/5 "Blown Away!"
      I am using a credit card for the last five years with HDFC bank. The services has been very good always. It is a life time free card. I am using a signature card. I get a lot of benefits on the flight tickets. The reward points are good. The points can be used on the tickets and also the shopping.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2016
    • HDFC Bank Credit Card
      "Good offers "
      0.5 5.0/5 "Blown Away!"
      I like the offers given on the hdfc bank visa signature credit card. In first year if we spend more than 70,000 the card will be free life time. On the utility bill payments they 25% discounts every month. On the shopping they give 5%-10% discount on every purchase. For the ticket booking for travel we get Rs.300 discount. One plus one movie tickets are free with book my show.
      Was this review helpful? 3
      , mumbai
      Reviewed on May 02, 2016
    • HDFC Bank Credit Card
      "Good Services"
      0.5 4.0/5 "Great!"
      I use a signature credit card with HDFC Bank. The services are good from them. They also provide me with a lot of offers. I get the cash back offers. I also get the reward points. The card also provides me with a instant loan facility. It is a life time free card. And the rate of interest is normal.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 28, 2016
    • HDFC Bank Credit Card
      "Need to improve"
      0.5 3.5/5 "Pretty good"
      I do have the credit card with the HDFC bank and the credit limit value is around fifty thousand Rupees. I am not using the offers what they are providing and I used to get the mail and the regular alerts immediately. Need to improve little more....
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 24, 2016
    • HDFC Bank Credit Card
      "Beneficial "
      0.5 4.0/5 "Great!"
      The credit limit is high in my signature card I am having from HDFC bank. I could able to redeem my reward points and get discounts in shopping. I even got a mobile free for this card. I find the card beneficial and I am using it for almost 11 years.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 21, 2016
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