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
      "Norms are high"
      0.5 1.0/5 "Really Bad"
      HDFC bank norms are very high for the credit card service. They have so many criteria to pass. Moreover, the bank is always high in the rate of interest. They used to collect more documents for the card. The annual charges are high as well. So I decided not to take credit card from HDFC bank.
      Was this review helpful? 0
      , surat
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Easy and quick process"
      0.5 3.0/5 "Satisfactory"
      I got first credit card from HDFC, based on that I have taken another credit card from ICICI, the customer relation with HDFC is awesome. I would do go with HDFC in term all financial experience, even their credit limit is also good. I am happy with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Easy and quick process"
      0.5 3.0/5 "Satisfactory"
      I got first credit card from HDFC, based on that I have taken another credit card from ICICI, the customer relation with HDFC is awesome. I would do go with HDFC in term all financial experience, even their credit limit is also good. I am happy with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Beneficial services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and they have also given me a decent credit limit. The customer support is excellent and the statements are also clear with all the transactions I do. The card is accessible at all outlets and it is smooth overall to use it.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Credit card works really well"
      0.5 5.0/5 "Blown Away!"
      HDFC bank credit card works really smooth, all the transaction happens on time. I am holding this HDFC bank credit card for more than 7 to 8 years. I dont have any issues wtih HDFC till date . I always make the payment on time therefore I did not face any difficulties. All the transactions goes through well. Rates are high especially when it comes to jumbo cash.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I think there is no option to convert the reward points into cash. HDFC bank is good in all the aspects so it would be better for the customers if they have such facility to convert the points into cash. But the bank is not stingy in crediting reward points and other offers like cash back. Even the credit limit is more than required.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Not recommendable to a middle class customer"
      0.5 1.5/5 "Bad"
      HDFC Bank has not been up to the mark for the credit card as I have the same 35k as credit limit as when I first got the card. The second is there are no EMI options. I can only convert a transaction to EMI only when there is an offer for me. Else I would have to pay the whole amount the following month. If not I would have to pay extra amount of interest.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Looking for better reward"
      0.5 4.0/5 "Great!"
      HDFC credit card service is good, in term of offers it is not upto the mark. I have converted the purchased amount into an EMI, their interest rates are high but the best part, they don't an annual fee, its a life time free credit. HDFC offered low credit limit but my CITI credit limit is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      As I bank with HDFC for more than ten years, they offered a life time free credit card. I do not have any issues on credit limit because it is sufficient for my usage. I receive cash back offers frequently, so in that way the bank is good. Not only that, they used to credit reward points in to my account.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Good pocket money card"
      0.5 5.0/5 "Blown Away!"
      Since two years, I am using HDFC Money back credit card, I have used this card as maximum extend three to four times. The charges are also good, so far I have accumulated 3100 reward points but I didn't redeem it. Offer wise HDFC is good they are giving many benefits in e commerce website.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      HDFC Bank has not been up to the mark on the credit card services. There were no much of offers on the card and the credit limit is also not up to my expectation. I am not happy with the overall process and services the bank has been offering me. Not a recommendable bank too.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very user friendly and very prompt, moreover there is no hidden charges on the bill. Right now they are providing the insta and jumbo loans on credit card and every quarter I am getting airport lounge and discounts on online website like Amazon, bookmyshow etc.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I do hold credit card with HDFC bank for about three to four months only. I havent explored much. The banking services are good. I am happy with the card process. They have offered me a good credit limit around 55000 rupees and the annual charges of this card is 499 rupees. The annual charges can be waived off if you spend more than 2 lakh rupees.
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      , new delhi
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Nice Experience "
      0.5 4.5/5 "Excellent!"
      I hold a credit card with HDFC Bank and the features on the card is excellent. It is a life time free card and the credit limit is perfect and the card is accessible at all outlets. There are a lot of deals online and there are offers are also nice too.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Offers & services are good."
      0.5 4.5/5 "Excellent!"
      HDFC bank is the best for a credit card. The customer services are good and this bank is the best as I get more offers and a excellent credit limit. It is a life time free card and the benefits like movie tickets and a loan facility are there. There are convenient EMI options too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      I used to get best response for my HDFC credit card, I am holding HDFC money back card for past two years its good. I am also getting reward points and other offers in flipkart, amazon for the online shopping. I am very fine to recommend the HDFC credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Happy with the services"
      0.5 5.0/5 "Blown Away!"
      I prefer using a credit card of HDFC Bank as I prefer using their reward point system. I get a lot on the Diners credit card and the points can be redeemed as well online. The credit limit is also good and it is a life time free card. I am not charged for any of my transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      I hold a credit card with HDFC Bank and am using the banking services for 15 years and there has been no hassles till date. It has always been very convenient to use the card and I get intimated on all the transactions I do. The statements are clear and on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back card is easy to use . I use this card to pay the utility bills for shopping . The customer service with HDFC bank is very good, the rate of interest is nominal wuith HFFC bank. I am happy with the credit limit with HDFC bank.
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      , srinagar
      Reviewed on Aug 14, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      The Customer service is really good with the HDFC bank credit card department. I am holding the HDFC bank credit card for more than 5 years. I am getting the benefits like reward points, cash back offers with this card, but I don't redeem those points. I am satisfied with the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 14, 2017
    Common Loader Icon

    JetPrivilege HDFC Bank Titanium Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Travel more with you JetPrivilege HDFC Bank Titanium Credit Card. This card is brought to you in association with Jet Airways and you can enjoy a host of benefits when you travel. Enjoy a number of benefits on your credit card. Spend on your card and rack up JPMiles. Redeem them for flight tickets, discounts and more. The more you use your card the more benefits you can avail.

    Benefits of JetPrivilege HDFC Bank Titanium Credit Card

    • Welcome Benefit

      Upon joining, you will receive a discount voucher of Rs.750 which can be used to book a return ticket. The offer is applicable on Jet Airways domestic flights.

    • Initial Spend Benefit

      Swipe your credit card within 90 days of card issuance and earn 1,000 JPMiles.

      If you spend Rs.25,000 or more within the first 90 days, you will be credited with 1,000 bonus JPMiles.

    • Renewal Benefit

      Swipe your card within the first 90 days from the date of renewal and get 1,000 bonus JPMiles.

      Upon renewal, you will receive a discount voucher of Rs.750 which can be used to book a return ticket. The offer is applicable on Jet Airways domestic flights.

    • Renewal Fee Waiver

      Within the first 12 months of the issuance of the card, if you spend Rs.1.5 lakhs on the card, your renewal fee is waived for the next year.

    • Fuel Surcharge Waiver

      Avail upto Rs.250 waiver on fuel surcharge for every billing cycle.

    • JPMiles Accrual

      Under this program, you can earn JPMiles every time you spend on your credit card. Get 4 JPMiles for every Rs.150 spent on retail, and 12 JPMiles for every Rs.150 spent on flight tickets on the Jet Airways website.

    • EXTRA JPMiles

      Under this program, you are entitled to accelerated JPMiles through partners. The program has more than 557 EXTRA JPMiles partners across 2,480 locations in India. Simply pay with your JetPrivilege HDFC Bank Credit Card and earn higher JPMiles. The miles are credited within 45 days from the date of transaction and will be stored in your JetPrivilege account.

    • Discounts on Jet Airways

      Get 5% off on any domestic flight ticket when you book on the Jet Airways website.

    • MasterCard Lounge Program

      You have access to select airport lounges in India. Relax and freshen up between your travels with your JetPrivilege HDFC Bank Credit Card.

    Features of JetPrivilege HDFC Bank Titanium Credit Card

    • Credit Periods

      Enjoy up to 50 days interest-free periods for your spends on the JetPrivilege HDFC Bank Credit Card.

    • EMV Chip enabled

      Your transactions are secure with this chip credit card. The EMV chip protects you and your credit card against tampering, counterfeiting and skimming.

    • Revolving credit

      Pay the minimum due and carry forward your balance at 3.25% per month.

    • Zero Liability

      In case you lose your credit card, you can report it immediately to HDFC Bank and you will not be liable for any transactions made on the card after you’ve reported it.

    • Supplementary cards

      Get up to 3 supplementary card for your immediate family members. The add-on cardholders must’ve attained the age of 18.

    Eligibility

    For salaried individuals, you should be at least 21 years old and not be above the age of 60.

    For self-employed, the minimum age limit is 21 years and the maximum age allowed is 65 years.

    Fees and Charges

    Details Charges
    Annual Fee Rs.500 plus tax
    Renewal Fee Rs.500 plus tax
    Supplementary card 3 add on cards
    Minimum due 5% of total bill subject to a minimum of Rs.200
    Interest-free period Upto 50 days
    Cash advance 40% of credit limit
    Interest on revolving credit Initial rate of interest is fixed at 3.40% per month or 40.8% annually. Based on spends, repayment and utilization, this can be changed periodically. Maximum interest rate chargeable even in the event of default is 3.5% per month or 42% per year.
    Overlimit charges 2.5% of amount spent over credit limit subject to a minimum of Rs.450
    Charges on cash advance 2.5% on the amount withdrawn, subject to a minimum of Rs.300.
    Duplicate card Rs.100
    Payment return 2% of the payment amount returned subject to a minimum of Rs.450.
    Cash payment processing Rs.100 for all credit card bills paid via cash at bank branches or ATMs
    Outstation cheque For cheques above Rs.5,000, Rs. 50 is charged. For cheques up to Rs.5,000 value, Rs.25 is charged.
    Balance Transfer Fee 2% of the amount transferred subject to a minimum of Rs.250.
    Foreign currency transactions 3.0% markup
    Railway ticket surcharge Rs.30 + 2.5% of the transaction amount. For transactions carried out through the HDFC payment gateway, a fee of 1.8% + GST is applicable. For all other bank gateways, the rate is as per the IRCTC website.
    Petrol Surcharge The fuel surcharge waiver is capped at Rs.500 for every billing statement

    Late payment fees

    Statement Balance Fees
    Less than Rs.100 Nil
    Rs.100 - Rs. 500 Rs.100
    Rs.501 - Rs.5,000 Rs.400
    Rs.5,001 to Rs.10,000 Rs.500
    Rs.10,001 to Rs.20,000 Rs.700
    Rs.20,001 and above Rs.700

    What are the modes of payment for my HDFC Bank credit card?

    You can pay your credit card bill using any of the following modes:

    • Cash payments at bank branch.
    • Cheque or draft drawn on “HDFC Bank Card Number xxxx xxxx xxxx xxxx”.
    • Non HDFC bank customers can place standing instructions to transfer money automatically from their bank account.
    • HDFC bank account holders can use net banking, ATMs or phone banking.
    • You can make the payment using NEFT with the IFSC code HDFC0000128.
    • For cardholders who do not have a HDFC bank account, you can use Billdesk to pay through other bank accounts.
    • VISA money transfer.

    FAQs

    1. Can I earn JPMiles when I spend on fuel?

      No, reward points cannot be earned on this credit card when you spend on fuel transactions.

    2. I missed a payment on my credit card, will I be charged?

      Yes, if you miss paying your credit card bill, there is a penalty applicable depending on the amount outstanding on your card. To avoid penalties, pay at least the minimum due by the payment due date. Missing a payment could also result in an increase in your interest rate.

    3. How do I address grievances regarding my HDFC credit card?

      • You can write a letter addressed to:

      The Manager, Grievance Cell,

      HDFC Bank Credit Cards Division,

      8, Lattice Brigade Road,

      Thiruvanmiyur, Chennai - 600 041.

      • You can also call the customer care helpline between 9:30 a.m. and 5:30 a.m.
    4. When will my first-swipe bonus JPMiles be credited?

      Once you swipe your credit card within 90 days, it will take up to 7 days to be credited to your Jetprivilege account.

    5. What are the details of the discount voucher given when joining?

      You will receive a voucher worth Rs.750. This can be used to get a discount on the base fare of a return flight. The flight must be booked only on the Jet Airways website. It is valid only on domestic Jet Airways flights.

    *GST rate of 18% applicable for all financial services effective July 1, 2017

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