Retailio HDFC Bank Credit Card

Welcome Benefit

1. Spend Rs. 500 within the first 90 days and receive 1000 reward points.

Fuel Benefits

1. A 1% fuel surcharge is waived (on a minimum transaction of Rs.400).
2. You will receive a maximum CashBack of Rs.250 on every statement cycle.

Business Benefit

1. 5% Cashback on Business Essentials

Milestone Benefit

1. Earn 500 reward points after spending Rs.25,000 each calendar month as a milestone benefit.
2. Spend Rs.1 lakh and receive 2000 reward points each calendar quarter.

Core Benefit

1. Earn 4 reward points for every Rs.150 spent online.

Renewal Offer

1. The renewal fee is waived if you spend Rs.50,000 in the previous year.

Benefits of HDFC Bank Retailio Credit Card RIO Club Members

Welcome Benefit

1. RIO club members will receive a gift voucher of Rs.500 apart from the 1000 reward points on spending Rs.500 in the first 90 days.

Fuel Benefit

1. Waiver of 1% Fuel Surcharge on a minimum transaction amount is Rs. 400 and a maximum transaction amount is Rs. 5000 (limited to Rs. 250 per calendar month).

Business Benefit

1. 5% Cashback on Business Essentials.

Milestone benefits

1. Benefits from reaching milestones include earning 500+1500 reward points for every Rs.50,000 spent each calendar month.
2. Spend Rs. 2 lakh and earn 2000+5000 reward points each calendar quarter.

Core Benefit

1. Earn 4 reward points for every Rs.150 spent online.

Reward Point Redemption and Validity

1. You can use your reward points to get air miles or exciting gifts. You can redeem your reward points at the applicable redemption rate.
2. You can get a cashback of Rs.20 for every 100 reward points you accumulated.
3. All redemptions will be subject to a reward redemption charge of Rs.99 per request.
4. The reward points accumulated are valid for 24 months.

How To Claim Credit Card Reward Points

Step 1: Log in with your NetBanking ID credentials, then select the Credit Cards tab in the top menu.

Step 2: Register your credit card. This is a one-time activity.

Step 3: Click Register New Card in the Credit Cards tab's left-hand navigation bar. Enter your four-digit credit card PIN to finish the registration process.

Step 4: Select the Redeem Reward Points link in the navigation bar on the left side.

Step 5: Choose your Card and press 'Continue to proceed'. You will be directed to the online redemption portal.

Step 6: On this home page, select Redeem Reward Points.

Step 7: You can view the catalogue and choose the Points Range.

Step 8: Choose items and add them to your shopping cart

Step 9: Click the 'View Shopping Cart' to view the items after you have selected all the items you want to redeem. To change the items you've chosen, click Edit.

Step 10: Read the terms and conditions and check the box to indicate that you agree to them.

You will also see your registered address, email address, and phone number. Call customer service if there is a problem.

Step 11: To confirm redemption, click' Redeem'. Make a note of the generated Redemption Order No.

You can also claim your Reward Points by post. Download the rewards redemption form from the HDFC Bank website. Fill in the details and send it via post to the HDFC corporate address.

HDFC Retailio Credit Card Eligibility Criteria

1. Age should range from 21 to 65 years old.
2. ITR over INR 6 Lakh annually.
3. Self-employed individual
4. Must be an Indian citizen

Documents Required to Apply for HDFC Bank Retailio Credit Card

Apart from the documentation for proof of Identity and address proof, you also need the following when you apply for the HDFC Bank Retailio credit card:

1. ITR
2. GST returns
3. Bank statements
4. Merchant payment reports

Fees and Charges of the HDFC Bank Retailio Credit Card

The following are a few of the fees and charges linked to your card:

How to Check Eligibility for HDFC Bank Retailio Credit Card Online

You can check your eligibility to apply for an HDFC Retailio credit card online by following the steps below:

Step 1: Visit the HDFC Bank website and click on the option "Credit card".

Step 2: You will be taken to a new page asking for your registered phone number and date of birth (DOB). You also have an option of submitting details of your PAN card instead of your DOB.

Step 3: Once you fill in the details you will receive an OTP.

Step 4: After you verify with the OTP, you will be redirected to an online form. Fill in all the relevant information name, contact details, mobile number, monthly or annual income, and e-mail ID.

Step 5: Click on 'Submit'.

You will get a call or an SMS on the registered mobile number you provided once HDFC has received your application. If you are qualified for the card, you will receive a call explaining the application process in detail.

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

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