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? 2
      , 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
    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% + service tax 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.

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