Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card Reviews

    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using Diner club credit card, whenever I go for any tie up restaurant with the HDFC they are providing some cash back and also I get some reward points. I am happy with credit card service of HDFC. Bill are very transparent and clear about the transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The HDFC bank All miles credit card carries benefits like reward points and cash back offers. The reward points can be redeemed as air tickets, which is very good offer. I am happy about the credit limit. The rate of interest is nominal with this card. I am satisfied using this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Extremely good in the services"
      0.5 5.0/5 "Blown Away!"
      After seeing my transactions in my account, HDFC Bank offered me a credit card with a credit limit of 60K. They have also told me to use the card for the next three to four months and the bank would increase the limit. Even if they do not do it, I would not mind because I am extremely happy with the clarity they provide in the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a Money back credit card with HDFC bank for past 6 months. I get benefits like reward point, cash back offers and Online purchasing offers with this card. I am getting the notifications about the special offers with this card. The rate of interest is nominal with this card. I am happy about the credit limit and satisfied using money back card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Charges should be reduced"
      0.5 2.0/5 "Expected more"
      Three years back I had taken car loan from HDFC, they have charged 5% of interest for the foreclosure, I had taken the car loan of Rs. 3.60 lakhs for the tenure of five years. I have done a foreclosure between the tenure period, I am not happy with their charges and it was really high.
      Was this review helpful? 0
      , srinagar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Clear process"
      0.5 4.0/5 "Great!"
      HDFC Bank has been good on the credit card services and the offers are good and satisfactory. The credit limit is also good and the bills are sent on time and I do not have to recheck the statements they send me. No hassles overall and I am happy to use them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Need improvement in services"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank is not doing well in terms of credit card. They do not value their customers. I am banking for this card for the last nine years and the credit limit is very less and the customer services are also not good, also they are not consistent in the process.
      Was this review helpful? 0
      , madurai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit card experience with HDFC bank is not good. Probably next year l might stop using this card because they also don't provide any offers and the credit limit they have offered is 50000 rupees and this is a life time free credit card holding this card for more than 5 years now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and when I did not get my personal loan through, I called up the customer care and I got the loan on the card. It was a very quick process and hassle free too. There are other benefits and offers on the card and no inconvenience faced.
      Was this review helpful? 0
      , porbandar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Nice Credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me good cash back offers, I got upto Rs.2000 based on the product which I purchased. I have been using it for two years its good, they offered credit limit of Rs.75,000. I always make the total amount so I not aware of interest rate. Overall I am happy with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDFC bank credit card is handy one like everything can be done through online and am having this card from the last one year of time. Response is good one with them and I have not faced much issues with them and the credit limit is 75000 rupees and its 5000 yearly charges for the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Convenient for all transactions"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Regalia credit card for past five years, I got few offer in online shopping. when I convert the amount into an EMI interest rate is low around 12 to 13% and they giving the maximum tenure of 36 month. I am very much happy with the credit limit of HDFC.
      Was this review helpful? 0
      , thiruvallur
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I am thankful to HDFC Bank as they were the only bank who offered me benefits when no other bank did. They offered me a credit credit when I was at my first job and they gave me a very decent credit limit though I was earning only 12K at that moment. Happy with the bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Perfect services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and I am happy only with this product. The offers on the card has been perfect and the credit limit is also satisfactory. It is a life time free card and the customer support is also responsive when ever I reach out to them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Convenient for transaction"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card for five years, I am working with TCS, hence they are giving some special offers for the credit card. I used to get some reward points and cash back for kinds of transaction. I am fine with the credit limit is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I do hold a credit card of HDFC bank with the credit limit of 1.5 lakh Rupees. Customer service is the best one for me and I am not running behind the offers. I had not faced the drawbacks with them till now, also they used to delay with the phone banking service, which is not only with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 2.0/5 "Expected more"
      Recently I have started using HDFC bank solitaire premium credit card. I have applied for HDFC bank money back card, but I am not sure, why they have issued the solitaire premium card. The credit limit with HDFC bank can be increased in future. This card doesn't have annual fee in the first year, from 2nd year onwards If we use more than 50 k or 1lakh the annual fee will be waived off. I would say, it is an average card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      I am unhappy with the credit card experience with HDFC Bank. They need an improvement in every bit of the process. They had not given me a proper limit, neither are their offers on the card nor are my statements were on time and clear. Overall I am unhappy with them.
      Was this review helpful? 1
      , jaipur
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I use HDFC bank Visa credit card for the past 2 years. I get reward points, cash back offers, fuel surcharge waiver on this card. There are also lot of online offers given in this card. I am happy with the credit limit. The rate of interest is nominal on this card and I can say it is a good card to use.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Convenient for shopping"
      0.5 3.0/5 "Satisfactory"
      HDFC is good in offers for shopping, movie tickets and they are giving some good cash back offers in online shopping like Amazon, Mantra, Filpkart etc. My credit limit is not upto the mark, I had been using this HDFC credit card around one year and I am not satisified with it.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jun 22, 2017
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    How to avail EMI for retail purchase using HDFC credit card - "Dial an EMI Plan"? is Rated as "Excellent!" by 11257 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Having a credit card has many benefits. Used primarily as a medium to pay for purchases, the benefits of this “Plastic Money” instrument are many. As a leading private sector bank in India, HDFC offers a plethora of credit cards in the Indian market in various categories such as Fuel, Shopping etc. One of the most pleasing benefit of having an HDFC credit card is the option to convert large value purchases into EMI (Equated Monthly Instalment) payments and save on interest charges.

    As you should be aware, the incidence of interest charges on large value purchases can be quite high if the transaction is not paid off before the statement close date. Converting such transactions into EMI helps in saving loads of interest charges. Let’s look at some of the outright benefits of paying large value purchases through EMIs.

    • Helps in saving on interest charges, since the charge converted to EMI is treated as a separate transaction and the interest applied on it is exclusive.
    • The rate at which interest is applied is substantially lower than the retail rate, making it furthermore appealing.
    • It ensures financial discipline since you know the payment is being paid off within the chosen term than attempting to manually clear it by means of regular payments on the credit card account.
    • Flexible term options are available for you to choose from as per your financial convenience.
    • Minimal processing fee, charged as a small percentage of the amount converted into EMI so that the overall cost incurred is not a burden on your wallet.

    Dial an EMI from HDFC Bank

    This facility offered by HDFC on select range of credit cards lets the cardmember easily convert purchases into EMI payment where the monthly payment is charged to the monthly bill as a separate transaction until the end of the repayment tenure.

    How does it work?

    Cardmembers interested in converting existing transactions into EMI can choose to convert charges already billed to the account into EMI in two ways. The first and the most recommended way of doing so is by logging into the NetBanking account. After logging in, click on Credit Card tab and choose the “Dial an EMI” option from the drop down options. Select your card and fulfill the online requirement by choosing the relevant options along with selecting the eligible transaction and seal it by confirming the conversion. Alternatively, you can also use mobile based App or call the Phone Banking helpline number to initiate a conversion.

    Mechanics of Dial an EMI from HDFC Bank

    Tenure options

    HDFC offers a wide range of tenure options for cardmembers to choose from. The available terms are 6, 12, 24 and 36 months. As a privileged cardmember, you can choose a term as per your convenience.

    Minimum transaction value

    To be eligible for EMI conversion, the minimum transaction value required is Rs.2,500. There is no upper cap as long as there is sufficient room for payment of charges in the available balance. All types of purchases, online and offline can be converted to EMI payments. This facility is not available for Gold and Jewellery purchases.

    Processing Fees

    A onetime processing fee is also applicable, billed as a fixed percentage of the transaction amount, converted into an EMI. In addition to this fee, service tax and other government levies such as cesses are also applicable. The processing fee varies from card to card.

    Pre-closure charges

    HDFC allows cardmembers to pre-close the loan and save on interest charges before the actual end of the loan term. There will be a prepayment penalty applicable for closures which happen before the term end date. It is billed at the rate of 3% of the outstanding balance amount in the EMI account.

    Turnaround time

    The transaction is immediately converted into EMI when you opt for it through the relevant channel. There is no waiting period for further processing or approval since you’ve authorized by means of authentication. The first EMI payment will reflect in the immediate billing cycle.

    Frequently Asked Questions

    1. How is the processing fee billed? Am I required to pay it by cash or remit via NetBanking?

      The processing fee is billed directly to your credit card account after the transaction has been converted into EMI. It will reflect under “Unbilled Transactions” if you’re checking NetBanking or using the app to view the charge. The same will reflect in the next month’s bill after generation.

    2. Is there is a separate statement issued by HDFC to show the EMI charges for billing purpose?

      The EMI will be added to the monthly credit card bill and will show up as a separate transaction on the debit side. No separate bill will be issued in this regard. Until completion of the EMI term, a transaction of the same value will continue to be shown in the statement. You will also get text and email notifications from HDFC as and when the payment falls due.

    3. Where do I find the details pertaining to EMI payment such as the value?

      The EMI payment details are available on monthly statements. Alternatively, you can also view them under the “Unbilled Transactions” section on channels such as NetBanking and Mobile banking apps.

    4. Where do I get the details of the processing fee percentage applicable for EMI conversations on my card?

      This detail will be made available in the literature supplied with the card in the welcome kit when you first received it. Alternatively, details can also be obtained by calling the Phone Banking service or by using the NetBanking facility.

    5. Is the EMI benefit for retail purchases available on all credit cards from HDFC bank?

      This facility is only available on select types of credit cards from HDFC. To check eligibility, contact the Phone Banking service.

    6. Is there a way the cardmember can make a cash advance and convert such transactions into EMI?

      Cash advances already made cannot be converted into EMI payments. However, cardmembers interested in availing cash against the balance can explore the “Cash on Call” facility where cash can be availed under this program. The member has follow a simple process to get the cash credited directly into the savings account by following a few steps. It works similarly to the “Dial an EMI” plan offered for retail purchases.

      Further details on this program can be obtained by calling the Phone Banking service.

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