Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Bank Visa Signature Credit Card

  • We found 1 HDFC Bank Visa Signature Credit Card
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    The HDFC Bank Visa Signature Credit Card is made for those who love to travel, this credit card offers access to airport lounges and lets you earn 2 Reward Points for every Rs.150 that you spend.

    Key Highlights

    • 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

    Other HDFC Bank Credit Cards

    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 HDFC 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.

    HDFC Bank Visa Signature Credit Card Reward Points Redeemption

    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 credit card net banking.
    • 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 HDFC credit card customer care 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

    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.

    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.

    HDFC Bank Visa Signature Credit Card FAQs

    1. What is the validity of the Reward Points that I earn on this card?

      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.

    2. What do I do if I lose my card?

      In case you lose your credit card, or you see any unauthorised charges made to your card, contact the HDFC bank credit card call centre immediately and block your card. This way, you will not be held liable for any unauthorised transactions made on your card.

    3. What is the interest-free period on this card?

      With the HDFC Bank Visa Signature Credit Card, you enjoy an interest-free period (or a grace period) of up to 50 days.

    4. My credit card has an EMV chip. What do I do if the merchant I am buying from doesn't have a chip terminal?

      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.

    5. How do I make a claim for fire and burglary insurance?

      In order to make a claim, you should:

      • Intimate any loss to the bank within 15 days of the loss. You can do this by emailing bankclaims@hdfcergo.com.
      • 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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