How can I increase the limit of my HDFC credit card?

You can submit a signed written request to have your credit card limit increased. Do note that you will have to submit relevant income proof along with this request. If you are a salaried individual, you will also need to attach a self-attested copy of your latest salary slip. .

My HDFC credit card application is in process. Can I track the status online?

Yes, your credit card application status can be instantly checked on the HDFC web portal by providing your application reference number, mobile number or date of birth.

Are HDFC Bank credit card statements available online?

Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.

I am looking to transfer my existing credit card balance to a HDFC credit card. Is that possible?

Yes, you can transfer your outstanding balance from any other bank's credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.

Can I own two HDFC credit cards at once?

Mostly, banks do not issue two credit cards to one person. However, if you have a good credit score, the bank may consider issuing two credit cards to you.

What does the Late Payment Fee on Credit Cards entail?

Failing to pay the minimum amount due on your Credit Card by the due date of payment will result in the imposition of a late payment fee. Consistent instances of late payments may have an impact on your Credit Rating.

How can cardholders make use of their reward points?

Once Reward Points are accumulated, cardholders can redeem them through NetBanking for a range of options listed in the rewards catalogue, such as gift vouchers, flight tickets, hotel stays, and more. .

What are the regulations regarding interest payments for Credit Card purchases?

Interest charges are not incurred on all purchases. However, suppose you fail to clear the total outstanding amount on or before the bill's due date. In that case, any unpaid dues and subsequent transactions will begin to accrue interest until the outstanding amount is fully settled.

Do I need to settle Credit Card bills if my Card goes unused?

HDFC Bank Credit Cards come with specific charges that must be paid, irrespective of card usage. However, under certain circumstances, these charges can be waived. To learn about the conditions for potential waivers, please click here.

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HDFC Credit Cards – Apply Online & Compare Top Offers

HDFC Bank offers a range of credit cards with a multitude of benefits spanning various categories, including travel, rewards, and shopping, among others. These credit cards cater to a wide spectrum of needs, starting from basic options like Moneyback and Millennia to premium selections such as Infinia and Diners Club Black.

It is essential that you choose a credit card that complements your lifestyle and spending habits to maximise its benefits. The right card can help you save significantly on everyday spending, travel, and dining. To make this decision easier, we have compiled a list of HDFC Credit Cards available in 2025 so you can compare their features and apply online with ease.

Top 10 HDFC Credit Cards in India 2026

Listed below are the top 10 credit cards offered by HDFC:

HDFC Credit Card Variant	Annual Fee	Best Suited For
Indian Oil HDFC Bank Credit Card	Rs.500 plus GST	Fuel
Marriot Bonvoy HDFC Bank Credit Card	Rs.3,000 plus GST	Travel and Lounge Access
Freedom Credit Card	Rs.500 plus GST	Cashback
HDFC MoneyBack+ Credit Card	Rs.500 plus GST	Shopping and Rewards
Swiggy HDFC Bank Credit Card	Rs.500 plus GST	Cashback and Dining
HDFC Bank Millenia Credit Card	Rs.1,000 plus GST	Online Shopping and Cashback
Tata Neu Infinity HDFC Bank Credit Card	Rs.1,499 plus GST	Shopping
HDFC Regalia Gold Credit Card	Rs.2,500 plus GST	Travel, Rewards, and Shopping
HDFC Diners Club Black Metal Edition Credit Card	Rs.10,000 plus GST	Rewards, Gold Games, and Travel
Shopper Stop HDFC Bank Credit Card	Rs.299 plus GST	Shopping

Updated On - 27 Feb 2026

HDFC Bank currently offers several credit cards that are customised to cater to different needs. From travel to shopping to dining to premium, the bank has a card for every category.

Key Features of HDFC Credit Cards

Some of main features of HDFC credit cards are mentioned below:

Welcome Perks: Experience exclusive advantages upon registration and making transactions with an HDFC Bank Credit Card. Additional benefits are available for annual expenditures that surpass specified thresholds.

Smart EMI: Transform credit card purchases of Rs. 2,500 or more into SmartEMIs following your transactions. Benefit from the competitive rate of interest and flexible repayment periods for offline and online Credit Card purchases converted into SmartEMI.

Contactless Payments: Conveniently, confidently, and securely execute payments using our contactless Credit Cards. Merely tap your card for swift payments at retail establishments within seconds. To enable contactless payments, kindly utilise MyCards.

Foreign Currency Markup: With select HDFC Bank Credit Cards, enjoy greater savings on your international purchases that feature a low foreign currency markup on overseas transactions.

Insurance Benefits: Certain HDFC Bank Credit Cards offer complimentary insurance benefits, including substantial coverage for air accidents and emergency overseas hospitalisation.

Revolving Credit Facility: Take advantage of revolving credit facilities at nominal interest rates on HDFC Bank Credit Cards.

Airport Lounge Access: Enjoy complimentary airport lounge access at both domestic and international airports with select credit cards.

Zero Lost Card Liability: In the event of a lost Credit Card, promptly report it to our 24-hour call centre. You will be exempt from liabilities for fraudulent transactions upon timely reporting. Learn more about the advantages of using a credit card.

Discounts: You can avail exclusive discounts, reward points, and offers.

Fraud Protection: In case you suspect credit card fraud, just notify your bank, and your credit card will be instantly blocked.

Multiple Credit Cards: HDFC Bank offers multiple credit cards and you can choose one that suits your requirements.

Credit Score Improvement: You can improve your credit score by timely and full payment of bills and keeping credit utilisation less than 30%.

Overview of HDFC Bank credit cards including benefits, reward programs, travel perks, and cashback options

Popular HDFC Bank Credit Cards

Some of the popular credit cards that HDFC Bank provides are mentioned below:

Different Credit Cards Offered by HDFC Bank

HDFC Bank Everyday Rewards Credit Cards

Regalia Gold Credit Card

IndianOil HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

Tata Neu Plus HDFC Bank Credit Card

Freedom Credit Card

Moneyback+ Credit Card

Millenia Credit Card

HDFC Bank Digital Credit Card

Paytm HDFC Bank Digital Credit Card

HDFC Bank UPI RuPay Credit Card

PIXEL Go Credit Card

PIXEL Play Credit Card

HDFC Bank Lifestyle Credit Cards

Paytm HDFC Bank Mobile Credit Card

Paytm HDFC Bank Select Credit Card

Paytm HDFC Bank Credit Card

Shoppers Stop Black HDFC Bank Credit Card

Shoppers Stop HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card

Diners Club Privilege Credit Card

HDFC Bank Fuel and Travel Credit Cards

HDFC Bank Harley-Davidson Diners Club Credit Card

HDFC Bank H.O.G Diners Club Credit Card

IRCTC HDFC Bank Credit Card

Marriot Bonvoy HDFC Bank Credit Card

Indian Oil HDFC Bank Credit Card

HDFC Bank Premium Credit Cards

Diners Club Black Metal Edition Credit Card

INFINIA Metal Edition

HDFC Bank RuPay Credit Cards

PIXEL Go Credit Card

HDFC Bank Freedom RuPay Credit Card

HDFC Bank RuPay Shoppers Stop Credit Card

Tata Neu Plus HDFC Bank Credit Card

Indian Oil HDFC Bank Credit Card

IRCTC HDFC Bank Credit Card

HDFC Bank UPI RuPay Credit Card

PIXEL Play Credit Card

HDFC Bank Corporate Credit Cards

Corporate Premium Credit Card

Corporate Platinum Credit Card

HDFC Bank Business Credit Cards

Flipkart Wholesale HDFC Bank Credit Card

HDFC Bank UPI RuPay Biz Credit Card

Paytm HDFC Bank SELECT Business Credit Card

Paytm HDFC Bank Business Credit Card

CSC Small Business MoneyBack

Giga Business Credit Card

Biz First Credit Card

Biz Grow Credit Card

Biz Power Credit Card

Biz Black Metal Edition Credit Card

Other HDFC Bank Credit Cards

Diners Cub Black Credit Card

EasyEMI Credit Card

Eligibility to Apply for HDFC Credit Cards

Age: Applicants must be a minimum of 18 years old.
Nationality: Applicants should hold Indian Nationality.
Residential Status: Applicants can be either Residents or Non-Resident Indians.
Employment Status: Applicants should be employed as salaried professionals or self-employed individuals.
Annual Income: HDFC Bank assesses your eligibility for a Credit Card and determines the credit limit based on your annual income.

Note: HDFC Bank reviews and adjusts your credit limit according to your annual expenditures, card usage, and evolving income. Additionally, they extend invitations for Credit Card upgrades based on your usage.

Check Eligibility for HDFC Credit Cards Online

You can check eligibility for each HDFC credit card online using the HDFC Bank official website.

Visit HDFC Bank Site & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.

Documents Required to Apply for HDFC Credit Cards

Proof of Identity	Passport PAN Card Ration Card Aadhaar card Voter's ID card Driving Licence
Address proof	Telephone bill Electricity bill Passport Ration card Rental agreement Aadhaar card
Income proof (For salaried)	Salary certificate Recent salary slip/s Employment letter
Income proof (For self-employed)	Certified financials Recent ITR (Income Tax Returns) Audited profit and loss statement or balance sheet

HDFC may ask for additional documents based on the applicant's profile. The above list is for reference purpose only.

Fees and Charges of HDFC Credit Cards

The fees and charegs for HDFC Bank credit cards are as follows:

Joining or annual fee varies for all HDFC Bank credit cards.

Finance Charges: Finance charges of up to 3.75% p.m. (45% p.a.) are levied by the bank, varying from card to card.

Late Payment Fee (Excluding Infinia Metal Edition): A late payment fee is charged by the bank based on the outstanding balance.

Balance	Fees Applicable
Upto Rs. 100	Nil
Between Rs. 101 to Rs. 500	Rs. 100
Between Rs. 501 to Rs. 1,000	Rs. 500
Between Rs. 1,001 to Rs. 5,000	Rs. 600
Between Rs. 5,001 to Rs. 10,000	Rs. 750
Between Rs. 10,001 to Rs. 25,000	Rs. 900
Between Rs. 25,001 to Rs. 50,000	Rs. 750
Above Rs. 50,000	Rs. 1300

How to Apply for HDFC Credit Cards Online?

The steps to apply for an HDFC credit card online are as follows:

Step 1: Visit the official website of HDFC.
Step 2: Navigate to the 'Credit Cards' section and select a credit card based on your preference.
Step 3: Check the eligibility criteria and documents required for the credit card.
Step 4: Apply online by entering all the requested details. You can also submit your credit card application along with relevant documents at an HDFC branch or ATM.
Step 5: Your credit card will be received by you on your communication address once your application is approved by the bank.
Step 6: When it is delivered, you will have to sign for it and provide proof of identity.
Step 7: You will receive the personal identity number (PIN) via courier while the Green PIN will be sent on your registered mobile number.
Step 8: This PIN is required to authenticate any credit card transactions.
Step 9: Visit the nearest HDFC ATM to change the PIN.

HDFC Credit Card Bill Payment

Customers can use any of the following modes of payments:

HDFC Bank Netbanking : HDFC Bank Netbanking is excellent for instant, direct payments provided you have an active HDFC savings or current account.
Non-HDFC Bank Netbanking : Non-HDFC Bank Netbanking allows you to pay using accounts from other banks. Payment will be credited in your account within 3 to 4 working days rather than instantly.
HDFC Bank Mobile Application : The HDFC Bank Mobile Application provides quick on-the-go payment access. Just install the app on your phone and connect with a stable internet connection and you are ready to go.
Auto pay : Auto pay automatically deducts the minimum or total amount due from your account once you enable the mandate.
ATM Funds Transfer: You clear your bill up to the last moment before the due date by using ATM Funds Transfer.

How to Register for HDFC Credit Card Net Banking?

As an existing HDFC Bank account holder, you can register for HDFC Credit Card Net Banking services by following the below given steps.

Customers need to login into NetBanking with their customer ID and internet password.
Inside the Net Banking account, click on the credit card tab.
Add your new card, by selecting the 'Register New Card' feature.
Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on 'Submit'.

Activate HDFC Credit Card Online Transactions via WhatsApp

The procedure that must be followed to activate online transactions via WhatsApp is given below:

Add the HDFC WhatsApp number (7065970659) to your contacts.
Send a WhatsApp message 'Manage My Credit Card' to that number.
You will receive a message with several options.
Select the 'Online (E-Commerce) Transactions' option. You will need to enter the number under which the option is available.
An OTP will be sent to the registered mobile number, enter it.
Next, the last four digits of the credit card number must be entered. Once you complete the process, the status will be displayed on the screen.
An option will be provided to activate online transactions.

Key Points to Consider While Applying for a HDFC Credit Card

Rewards Points System: HDFC Bank offers a rewards points system for both offline and online Credit Card transactions, providing a significant advantage. You can redeem these accrued points for a variety of rewards from our catalogue, gift vouchers from renowned brands, and airline miles, or offset them against your statement balance. Select Credit Cards that can earn you higher reward points. It's essential to utilise your reward points before they expire and keep an eye out for exclusive Credit Card offers linked to your reward points.

Credit Card Statement: HDFC Bank provides monthly credit card statements that summarize all transactions made during a billing cycle, including the total amount spent, payment due date, and any outstanding balance. These statements are generated on a fixed date, which may not be the first day of the month, and are delivered to your registered email address.

Credit Card Cash Withdrawal: You can utilise your Credit Card to withdraw cash from ATMs through our Credit Card cash advance facility. The permissible cash withdrawal limits depend on your card type and differ from the credit limit. The bank applies credit card interest rates and other applicable fees to Credit Card cash withdrawals.

Fees & Charges: HDFC Bank imposes specific Credit Card fees depending on the type of Credit Card you hold. These fees include an annual maintenance charge, cash advance fees for withdrawals, foreign currency markup fees, late payment charges, interest on outstanding dues, over-limit fees, and GST charges.

Credit Card Bill Payment: HDFC Bank generates a new bill each month according to your credit cycle. You have approximately 20 days after the bill generation date, along with a interest free period of about 50 days. It is necessary to make at least the minimum amount due. No additional charges are levied by the bank if you pay your outstanding dues in full on or before the due date. However, interest is applicable for partial or non-payments. You also have the option to set up automatic Credit Card payments through standing instructions from your Savings Account.

HDFC Credit Card Security Measures

Knowing how to use your Credit Card securely is of utmost importance. Here are some key security measures to consider:

Card Features and Usage: Your Credit Card contains essential details, including your card number, name, expiration date, and CVV number, which are required when making online transactions. For added security, you must enter a 4-digit PIN and a One Time Password (OTP) sent to your registered mobile number (RMN) by the bank to authenticate the transaction. Ensure the safety of your transactions by refraining from sharing your PIN or OTP with anyone.
Overseas Usage: You have the option to activate your card for international use at any time. However, it is advisable to deactivate this feature once you return to India. If you lose your card or suspect any fraudulent or suspicious activities on your card, promptly notify us. In such cases, the bank will immediately block the card to prevent unauthorised usage.
Avoid Sharing Card Details: Exercise caution when responding to communications that request your card number, expiry date, or other sensitive information. While certain values may be required when you contact us through our helpline, remember that HDFC Bank or its representatives will never ask you for your Credit Card PIN, CVV, or OTPs. Under no circumstances should you share this information with anyone.

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>

FAQs on HDFC Bank Credit Card

How can I increase the limit of my HDFC credit card?
You can submit a signed written request to have your credit card limit increased. Do note that you will have to submit relevant income proof along with this request. If you are a salaried individual, you will also need to attach a self-attested copy of your latest salary slip.
My HDFC credit card application is in process. Can I track the status online?
Yes, your credit card application status can be instantly checked on the HDFC web portal by providing your application reference number, mobile number or date of birth.
Are HDFC Bank credit card statements available online?
Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.
I am looking to transfer my existing credit card balance to a HDFC credit card. Is that possible?
Yes, you can transfer your outstanding balance from any other bank's credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.
Can I own two HDFC credit cards at once?
Mostly, banks do not issue two credit cards to one person. However, if you have a good credit score, the bank may consider issuing two credit cards to you.
What does the Late Payment Fee on Credit Cards entail?
Failing to pay the minimum amount due on your Credit Card by the due date of payment will result in the imposition of a late payment fee. Consistent instances of late payments may have an impact on your Credit Rating.
How can cardholders make use of their reward points?
Once Reward Points are accumulated, cardholders can redeem them through NetBanking for a range of options listed in the rewards catalogue, such as gift vouchers, flight tickets, hotel stays, and more.
What are the regulations regarding interest payments for Credit Card purchases?
Interest charges are not incurred on all purchases. However, suppose you fail to clear the total outstanding amount on or before the bill's due date. In that case, any unpaid dues and subsequent transactions will begin to accrue interest until the outstanding amount is fully settled.
Do I need to settle Credit Card bills if my Card goes unused?
HDFC Bank Credit Cards come with specific charges that must be paid, irrespective of card usage. However, under certain circumstances, these charges can be waived. To learn about the conditions for potential waivers, please click here.

Types of Credit Card

Credit Card by Banks

Articles on Credit Card

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HDFC Credit Cards – Apply Online & Compare Top Offers

Top 10 HDFC Credit Cards in India 2026

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IndianOil HDFC Bank Credit Card

4 Reward Points On Online Shopping

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Snapdeal HDFC Bank Credit Card

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Credit Limit Up To ₹ 10 Lakhs

HDFC Infinia Credit Card

Maximum Rewards On Everyday Spends

HDFC Platinum Plus Credit Card

Welcome Gift Of 1,000 Reward Points

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Reward Points On Every ₹ 150 Spent

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Maximum Savings On Travel

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Savings On Lounge Access & Fuel

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