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HDFC Credit Card

hdfc credit card

HDFC Credit Card

Top reasons to get the HDFC Credit Card

  • Earn 10 Reward Points for every Rs 125 spent at apparel & department stores and select partners.
  • Continue earning Reward Points at rate of 1 point for every Rs 125 on all other purchases.
  • Redeem points instantly at select partners.

Benefits & Features

Earn unlimited 10X reward points at select partners

  • Earn Unlimited 10X Reward Points at Select Partners
  • Get Up to 10X Reward Points on Eligible Purchases
  • Maximize Your Rewards with Up to 10X Reward Points
  • Earn More with 10X Reward Points on Select Partner Brands
  • Enjoy Up to 10X Reward Points on Everyday Spending
  • Unlock Up to 10X Rewards at Participating Partners
  • Earn Accelerated Rewards with Select Partner Offers

Welcome rewards

  • Get 1,500 bonus points on your first spend made within 30 days of card issue.
  • Get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue.

Earn bonus reward points

  • Bonus on monthly Spends: Get 300 bonus points on card spends of 1500 or more in a month.

Points that never expire

  • Enjoy long-lasting reward points on eligible credit cards, giving you the flexibility to redeem them whenever you’re ready. Point validity and redemption terms are determined by the respective card issuer and may vary by card.

Fees & Charges

Flexibility Fee and Charges

  • Interest Rate
    3.25% per month (40% per annum). This can change periodically based on your spend, payback and utilization patterns.
  • Annual Fee
    Your annual fee of Rs1000 is waived on making spends of Rs30,000 in a membership year.

For further details, please Click here

Redeem Rewards

Fuel

  • Instant redemption at over 1200 participating oil outlets.
  • Redemption rate at oil outlets: 1 Reward Point = Rs 0.25 | Minimum Points required to redeem: 250.

In-Store Shopping

  • Instant redemption at select partner stores.
  • Redemption rate at stores: 1 Reward Point = INR 0.30 | Minimum Points required to redeem: 250.

Air miles

  • Redemption rate for air miles: 1 Reward Point = 0.75 miles | Minimum Points required to redeem: 100.

Cash back

  • Adjust points against your Statement outstanding.
  • Redemption rate for cash back: 1 Reward Point = Rs 0.35 | Minimum Points required to redeem: 5,000.

Borrow Privileges

Personal Concierge Services

Call your concierge for help with planning a party, sending flowers, making dining reservations, for travel assistance.

  • Dining Privileges
    Up to 15% savings across participating restaurants.
  • Shopping Privileges
    Enjoy savings and offers several stores in your City.
  • EMI Privileges
    Choose easy EMI options at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e-retailers.

We help individuals and businesses compare and apply for the best financial products through our trusted banking and NBFC partners. Whether you're looking for a Personal Loan, Education Loan, Home Loan, Car Loan, Loan Against Property (LAP), or Insurance, we connect you with lenders offering competitive interest rates, flexible repayment options, and a hassle-free application process. Our goal is to simplify borrowing by helping you find the right financial solution that matches your needs—all in one place.

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