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    HDFC Bank Visa Signature Credit Card is Rated as "Excellent!" by 109 Users

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    HDFC Bank Visa Signature Credit Card

    Credit cards offer you countless benefits from saving your time to tracking of expenses, credit cards will make your transactions hassle free. A card like HDFC Visa Signature Credit Card will only add to these advantages by making your purchases more rewarding. You are sure to have an enriching experience with features like fuel surcharge waiver, access to airport lounges and reward points.

    Features of HDFC Visa Signature Credit Card:

    HDFC Visa Signature cardholders enjoy a host of features that ensures a delightful experience and enhances their lifestyle. Following are some of the benefits offered by this card.

    • Cardholders earn 2 Reward points for every Rs.150 spent using the card.
    • For incremental spends exceeding Rs 75,000 in a statement cycle, cardholders are awarded 50% additional Reward points.
    • With every fuel purchase, cardholders also get the fuel surcharge waived off which is capped at Rs.250 for every billing cycle.
    • Zero liability on lost card feature will ensure that you have zero liability if any fraudulent transactions are made with you card in case it is lost or stolen.
    • Cardholders also enjoy revolving credit at attractive interest rates on their credit card.
    • Reward points are valid for a period of two years. This means you can accumulate higher points and redeem it against better options.
    • HDFC Visa Signature cardholders also get to enjoy signature benefits like interest free credit period of up to 50 days.
    • With the priority pass membership, you will get access to more than 600 airport lounges at over 300 cities across the world.

    Benefits of HDFC Visa Signature Credit Card:

    • Customers can save up to Rs 8,300 every year with HDFCs Signature complimentary pass program and fuel surcharge waiver.
    • The first year fee is reversed if the cardholder bills Rs 15,000 to the card in the first 90 days from the card set-up date and renewal fee is reversed if Rs 75,000 is spent in a year before renewal date.
    • Enjoy lounge access at premium airports in India or overseas.
    • Customers can avail up to 3 supplementary cards.

    Eligibility:

    • Salaried applicants should be aged between 21 and 60 years of age.
    • For self-employed applicants, the age should be between 21 and 65 years to be able to apply for this card.

    Fees & Charges:

    Interest Free Credit PeriodUp to 50 days
    Minimum Repayment Amount5%, minimum amount Rs.200
    Fee for supplementary cardsLifetime free for up to 3 cards
    Cash Advance Limit40% of credit limit
    Reissue of credit card in case the card is lost, damaged or stolenRs.100
    Cash Advance Fee2.5% of amount withdrawn or Rs.300, whichever is higher
    How to Redeem the Reward Points?

    Customers can easily redeem their reward points through HDFC Net Banking portal. Customers can filter the points range and choose the reward category and add items to their shopping cart. Also, by using the phone banking service, they can easily redeem the points against a variety of options like cash rebates, discounts and exclusive merchandise.

    HDFC Visa Signature Credit Card FAQs:

    1. What is an EMV chip card? Is HDFC Visa Signature card chip enabled?

      An EMV (Europay, MasterCard and Visa) chip card will improve payment security by making counterfeiting technically difficult. HDFC Visa Signature card is EMV-chip enabled to ensure all your transactions are secure and safe.

    2. How do I make the credit card payment?

      If you are an existing HDFC customer, you can make the payment through Net banking, ATM or phone banking. Also, you can opt for a standing instruction facility through which funds can be transferred automatically. You can also make use of NEFT, cheque, draft or cash payments.

    3. What is the processing charge for balance transfer?

      The processing charges would be 2% of the balance transfer amount of Rs.250, whichever is higher.

    4. How do I apply for a supplementary card?

      You can apply for an add-on card using HDFCs net banking portal. You can also apply for a supplementary card by contacting the nearest physical branch.

    5. I forgot my credit card PIN. How do I apply for a duplicate PIN?

      You can login to the Net Banking portal to file a PIN change request. The new PIN will be sent to your registered contact address within 10 days.

    HDFC Bank Visa Signature Credit Card Reviews

    • 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? 0
      , 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? 0
      , 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? 2
      , 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
    • HDFC Bank Credit Card
      "Exclusive"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has given good offers on the credit card. I use a signature card with them. It is a life time free card. I get offers like jumbo loan. Cash back offers. Not sure on the rate of interest. As I have not delayed in making my payments. Overall it has been satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2016
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