HDFC Credit Cards – Apply Online & Compare Top Offers

Fee Details

1. 1st Year - ₹ 2,500
2. 2nd Year Onwards - ₹ 2,500
3. Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months

Joining Perks

1. 2,500 points on paying joining fee

Rewards

1. 4 points/₹ 150 spent
2. 15,000 points every year on annual spends of ₹ 8 lakhs
3. Best-in-class rewards redemption rate. 1 point = ₹ 0.5

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. Free Zomato Gold membership on spending ₹ 75,000 within 3 months of getting your card

2. Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months

3. 6 international lounge visits in a year via Priority Pass membership & 12 domestic lounge access via Visa/Mastercard Lounge programme

4. Lowest foreign currency mark-up fee of 2% on all international transactions

5. Up to 15% discount at 3,000+ restaurants

6. Fuel-surcharge waiver, 24/7 concierge service, accidental air death cover, emergency overseas hospitalisation cover, credit liability cover & more

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 1,000. Waived on conducting 2 transactions in a month for first 3 consecutive months or spending ₹ 30,000 within 90 days
2. 2nd Year Onwards - ₹ 1,000. Waived on spending ₹ 1 lakh within 12 months
3. APR - 41.88% per annum

Joining Perks

1. 1,000 points on paying joining fee

Rewards

1. Select retail/online partners: 40 points
2. Other Retail: 4 points
3. 1 point = 1 airmile/₹ 0.50

Documents

1. KYC-PAN, address proof & ID proof
2. One photograph, salary slip/Form 16
3. This offer is available only if all necessary documents are uploaded online

What you'll love

1. Lifetime Free upon conducting 4 transactions in a month for first 3 consecutive months (minimum transaction value of ₹ 500)

2. 4 reward points for every ₹ 150 spent

3. Up to 6 free lounge access at 700+ lounges in India and abroad

4. Best-in-class miles exchange program. 1 reward point = 1 airmile.

5. Redeem reward points for miles with leading airlines and hotels

6. Up to 15% discount at 3,000+ premium restaurants & global dining privileges

7. Air accident cover of ₹ 1 crore

8. Emergency medical expenses cover of up to ₹ 25 lakhs

9. Credit liability cover of up to ₹ 9 lakhs

10. Travel insurance cover of up to ₹ 50,000 on baggage delay/loss

11. Convenience: Easily avail this offer by submitting your documents online.

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 500. Reduced to ₹0 If CASA account is opened
2. 2nd Year Onwards - ₹ 500. Waived if annual spends exceed ₹ 50,000

Joining Perks

1. Welcome benefit of 500 reward points on paying joining fee

Rewards

1. 25 points/₹ 150 spent on birthday
2. 5 points/₹ 150 spent on movies, dining, groceries, railways & taxi
3. 10 points/₹ 150 spent on SmartBuy & PayZapp
4. 1 point/₹ 150 spent on all other categories

Documents

1. KYC-PAN, address proof and ID proof
2. One photograph

What you'll love

1. No income documents required

2. Gift voucher of ₹ 1,000 on annual spends of ₹ 90,000 and above

3. Redeem reward points as cashback. 100 points = ₹ 10

4. Annual fee waiver on spends of ₹ 50,000 in a year

5. Free accidental death insurance up to ₹ 50 lakhs on completing a minimum of 4 transactions every month. TnC apply

6. Fuel-surcharge waiver of 1% on transactions between ₹ 400 and ₹ 5,000 (capped at ₹ 250 per statement cycle)

7. Renewal benefit of 500 reward points on paying the renewal fee

8. Contactless feature - just tap for purchases up to ₹ 2,000 at accepting merchants

9. Free Fire and Burglary protection for goods above ₹ 5,000 for 180 days on completing a minimum of 4 transactions every month. TnC apply

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 1,000. Waived on completing 2 transactions in a month for first 3 consecutive months
2. 2nd Year Onwards - ₹ 1,000. Waived if annual spends > ₹ 1 lakh
3. Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months

Joining Perks

1. Welcome & renewal gift of 1,000 cash points, applicable on paying membership fee only

Rewards

1. Shopping via PayZapp & SmartBuy: 5% cashback on spends of ₹ 2,000+
2. Online spends: 2.5% cashback on spends of ₹ 2,000+
3. Offline spends & wallet reloads: 1% cashback on spends of ₹ 100+

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph

What you'll love

1. Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months

2. Up to ₹ 2,250 worth of cash points every month

3. 8 free domestic airport lounge access in a year

4. ₹ 1,000 worth gift vouchers on spends of ₹ 1 lakh+ in each calendar quarter. Applicable only in the first year

5. 1% fuel-surcharge waiver on minimum fuel transactions of ₹ 400. Capped at ₹ 250 per statement cycle

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 500. Waived on completing 2 transactions in a month for first 3 consecutive months or spending ₹ 20,000 in 90 days
2. 2nd Year Onwards - ₹ 500. Waived if annual spends > ₹ 50,000
3. Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months

Joining Perks

1. Welcome & renewal gift of 500 cash points, applicable on paying membership fee only

Rewards

1. Shopping via PayZapp & SmartBuy: 5% cashback on spends of ₹ 2,000+
2. Online spends: 2.5% cashback on spends of ₹ 2,000+
3. Offline spends & wallet reloads: 1% cashback on spends of ₹ 100+

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph

What you'll love

1. Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months

2. Auto conversion of spends of ₹ 10,000 & above to EasyEMI for 9 months

3. ₹ 1,000 worth gift vouchers on spends of ₹ 1 lakh+ in each calendar quarter. Applicable only in the first year

4. 1% fuel-surcharge waiver on minimum fuel transactions of ₹ 400. Capped at ₹ 250 per statement cycle

5. EasyEMI offers across 1,000+ merchants

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 500. Waived on completing 2 transactions in a month for first 3 consecutive months or spending ₹ 20,000 in 90 days
2. 2nd Year Onwards - ₹ 500. Waived if annual spends > ₹ 50,000
3. Lifetime FREE on SmartPay registration within 90 days of card setup

Joining Perks

1. No joining perks

Rewards

1. 5% of spends at IndianOil petrol pumps, groceries & bill payments as fuel points
2. Others: 1 fuel point/₹ 150 spent

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph

What you'll love

1. Up to 50 litres of FREE fuel in a year

2. Lifetime FREE if you register with SmartPay, excluding prepaid mobile/OneAssist, within 90 days of card setup

3. Up to 250 fuel points per month on spends at IndianOil fuel outlets for first 6 months. 150 fuel points post six months.

4. Max. 100 fuel points each per month on grocery spends and bill payments

5. Fuel points are valid for 2 years from accumulation date. For example, if fuel points are received in October 2019, they will expire in October 2021

6. 1% fuel-surcharge waiver on minimum fuel transactions of ₹ 400. Capped at ₹ 250 per statement cycle

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 500. Waived if an HDFC Current/Savings Account is present/opened within 3 months of card approval
2. 2nd Year Onwards - ₹ 500. Waived if annual spends > ₹ 50,000 or an HDFC Current/Savings Account is present/opened
3. APR - 40.8% per annum

Joining Perks

1. 500 points

Rewards

1. Online shopping: 4 points/₹ 150
2. Others: 2 points/₹ 150

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. Redeem reward points as cash back against your outstanding amount. 100 points = ₹ 20. Minium redeemable amount is ₹ 500

2. Milestone perk - Spend ₹ 50,000 in a quarter and get an e-gift voucher worth ₹ 500

3. 100% fuel-surcharge waiver, up to ₹ 250 per billing cycle

4. Zero liability on lost card if reported immediately

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 500
2. 2nd Year Onwards - ₹ 500. Waived if annual spends > ₹ 1.5 lakhs
3. APR - 40.8% per annum

Joining Perks

1. e-Vouchers worth ₹ 15,000

Rewards

1. Dining on weekdays: ₹ 150 = 5 points
2. Others: ₹ 150 = 2 points

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. Great discounts and offers on movies and dining at participating outlets all year long

2. Live GPS location-based online & offline offers on the Times Card app

3. Attractive rewards program. Reward points are valid for 2 years from the date of accumulation

4. Fuel-surcharge waiver

5. Zero liability on lost card

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 500
2. 2nd Year Onwards - ₹ 500. Waived on annual spends > ₹ 1.5 lakhs
3. APR - 41.88% per annum

Joining Perks

1. 500 reward points as welcome gift
2. Snapdeal welcome vouchers worth ₹2,000

Rewards

1. 10X points/₹150 spent at Snapdeal & Smartbuy
2. 2 points/₹150 for other retail spends

Documents

1. KYC-PAN, Address proof and ID Proof
2. One photograph, Salary slip/Form 16

What you'll love

1. This offer is available only if all necessary documents are uploaded online

2. Instant 5% discount on spends at Snapdeal

3. Fuel surcharge waiver up to ₹250 per cycle on fuel transactions between ₹400 and ₹5,000

Think about

1. Not Applicable

Fee Details

1. 1st Year - ₹ 500. Your first-year fee will be waived if you spend Rs. 10,000 within the first 90 days.
2. 2nd Year Onwards - ₹ 0. If you spend Rs. 50,000 in a year, you will get a waiver on the following year's annual fee.

Joining Perks

1. -

Rewards

1. Get 3 Reward Points for every ₹ 150 spent.
2. Get Shoppers Stop vouchers worth Rs. 1,000.
   Eligible for every Rs. 75,000 you spend in 6 months.

Documents

1. KYC-PAN, Address proof and ID Proof
2. One photograph, Salary slip/Form 16

What you'll love

1. You can earn 50% more Reward Points when swiping for dining and groceries. This benefit is available only if the Merchant Category Code of the outlet is 'Restaurant' or 'Grocery'. Restaurants in hotels, malls and department stores do not fall under this category.

2. You can convert your Reward Points to cash at the rate of Rs. 20 per 100 points.

3. Your Reward Points are valid for 2 years from the time they are credited to your account.

4. Your card comes with a Zero Liability on loss, which means that once you report the loss of card, you do not have to bear the burden of any deceitful purchases made on the card.

5. You can get interest-free period of up to 50 days on all swipes, valid from the date of transaction.

Think about

1. This Company is not a partner. Visit its website/branch office for more details. Trademarks, logos and other intellectual property belong to their respective owners.

Fee Details

1. 1st Year - ₹ 10,000
2. 2nd Year Onwards - ₹ 10,000

Joining Perks

1. Taj Epicure Plus Plan & Inner Circle Gold membership
2. Club Vistara Gold membership

Rewards

1. Retail spends: ₹ 150 = 5 points
2. Travel & shopping via Smartbuy: 10x points
3. Dining at stand-alone restaurants: 2x points

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. Get a credit limit of up to ₹ 10 lakhs

2. Unlimited access to 700+ airport lounges worldwide

3. Low mark-up fees on international spends

4. Free golf games at leading golf courses in India & exclusive access to select golf courses worldwide

5. Exclusive dining privileges at some of the finest hotels in India

Think about

1. This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners

Fee Details

1. 1st Year - ₹ 0. On spending ₹ 15,000 within 3 months
2. 2nd Year Onwards - ₹ 399

Joining Perks

1. No joining perks

Rewards

1. 2 points/₹ 150 spent
2. 50% more points on spends if total bill amount > ₹ 50,000 in a statement cycle

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. No fuel surcharge on petrol & diesel spends. Max. ₹ 250 saved every month

2. 3 add-on Platinum Plus cards for your family members above 18 years of age

3. Reward points are valid for 2 years from the time of being added to your account

4. Zero liability on lost card if reported within 24 hours

5. Interest-free period of up to 50 days on all spends from the date of purchase

Think about

1. This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners

Fee Details

1. 1st Year - ₹ 0. On spending ₹ 15,000 in 90 days
2. 2nd Year Onwards - ₹ 0. On annual spends of ₹ 75,000

Joining Perks

1. 1,000 points as welcome and renewal gift

Rewards

1. 3 points/₹ 150 spent
2. 50% more points at premium restaurants

Documents

1. KYC-PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. Preferential access to 600+ airport lounges worldwide with the free Priority Pass membership

2. Fuel-surcharge waiver with a limit of ₹ 500 on every billing cycle

3. Up to 50 days of interest-free credit from purchase date

4. Reward points are valid for 2 years from date of accumulation

5. Zero lost card liability on reporting loss of card

Think about

1. This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners

Fee Details

1. 1st Year - ₹ 0. On spending ₹ 10,000 in 90 days
2. 2nd Year Onwards - ₹ 0. On annual spends of ₹ 50,000

Joining Perks

1. No joining perks

Rewards

1. 2 points/₹ 150 spent
2. 50% more points at premium restaurants
3. 100 points = ₹ 10

Documents

1. KYC-PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. Redeem reward points for cash back or air miles or exclusive gifts from the rewards catalogue

2. Fuel-surcharge waiver with a limit of ₹ 250 on every billing cycle

3. Up to 50 days of interest-free credit from purchase date

4. Zero lost card liability on reporting loss of card

Think about

1. This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners

Fee Details

1. 1st Year - ₹ 0. On spending ₹ 15,000 in 90 days
2. 2nd Year Onwards - ₹ 0. On annual spends of ₹ 75,000

Joining Perks

1. No joining perks

Rewards

1. 2 points/₹ 150 spent

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. Maximum yearly savings on lounge access and fuel

2. Free Priority Pass membership worth $99

3. Fuel-surcharge waiver with a limit of ₹ 250 on every billing cycle

4. Up to 3 add-on cards for your family

5. Up to 50 days of interest-free credit from purchase date

6. Zero lost card liability on reporting loss of card

Think about

1. This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners

Fee Details

1. 1st Year - ₹ 0. On spending ₹ 15,000 in 90 days
2. 2nd Year Onwards - ₹ 0. On annual spends of ₹ 75,000

Joining Perks

1. No joining perks

Rewards

1. 2 points/₹ 150 spent
2. 50% more points on spends if total bill amount > ₹ 75,000 in a statement cycle

Documents

1. KYC - PAN, address proof and ID proof
2. Photograph, salary slip/form 16

What you'll love

1. With the free Priority Pass membership, access 600+ global airport lounges

2. 1% fuel-surcharge waiver

3. Up to 3 add-on cards for your family

4. Up to 50 days of interest-free credit from purchase date

5. Zero liability on lost card & fraudulent transactions on reporting the same

Think about

1. This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners