If you are already spending money on a credit card and looking to ramp up the value you are receiving, an HDFC Credit Card might just be what you are looking for. The company has a host of credit card options for people on a budget and as well for those looking for perks on the money they already spend.

The HDFC MoneyBack Credit Card is particularly attuned to those with the ability to pay back on time and earn rewards. It doesn’t matter if you live in India or Canada, you’ve got many options when you are applying for a credit card. The important thing is to figure out which card is going to work for you. 

You should know what you are capable of paying back monthly, if your financial load is a problem then a rewards card isn’t going to be your tea. Our editors have further examined the HDFC MoneyBack Credit Card to help you make a more informed choice about whether or not you want this plastic in your wallet.  Read all the way through and assess all associated costs before coming to any final decision.

Want a credit card that provides cash back rewards, exclusive deals and has low annual membership fee? Then HDFC Credit Card is best for you. Here's how to apply...

What are the Benefits of an HDFC Credit Card?

HDFC Bank says it takes pride in offering you a wide range of choices designed to complement your lifestyle. One of their most practical offerings includes the HDFC MoneyBack Credit Card (available in Visa and Mastercard).

A MoneyBack Credit Card is your best bet when it comes to saving. True to its name, it will give you cash back. Through this card, you can gain 2 rewards points for every Rs. 150 spent on your credit card. You can enjoy double the amount on your card when you make purchases online! For every 100 reward points you earn, you can get a cash back of Rs. 20. You can redeem your reward points for a variety of exciting gifts. Choose from air miles, hotel accommodations, and other exciting gifts! With this card, the possibilities are endless.

Another privilege you’re sure to enjoy will be the milestone benefit. Here, you can get a gift voucher of Rs. 500 every quarter when you spend Rs. 50,000 on retail!

If you value your money, you will surely enjoy getting the 1% fuel surcharge waived off on all your fuel transactions. If you’re into cash back and getting rewards, the HDFC Credit Card might just be the card to help you out. Before you make any sort of decision, check out the fees associated with using the card.

What are the Fees for an HDFC Credit Card

All cards come with responsibilities so assess what this card wants versus what you have to offer. For this card, you might just be happy to know that there is a low annual membership fee and renewal fee of Rs. 500 + applicable taxes. A supplementary card fee is waived for life.

Other charges you need to stay on top of include the revolving credit fee of 3.49% per month, a cash advance fee of 2.5% of the amount withdrawn or Rs. 500 (whichever is higher), and a late payment charge ranging from Rs. 100 to Rs. 750.

HDFC Credit Card

How to Apply for an HDFC Credit Card

Requesting your own HDFC Credit Card becomes easy as pie with their online application form. Simply fill out the application form on the HDFC website.

To be eligible, you need to be between 21 to 60 years old for salaried employees and 21 to 65 years old for self-employed applicants. You must also have a good credit history and a regular flow of income.

In this application, you will be asked to submit a proof of identity, a proof of billing address, and proof of income. Aside from these, you will also need to present your PAN card, salary slips, income tax return statements, and passport-sized photographs.

Should your application be approved, you will be given a credit limit with a minimum of Rs. 5,000 depending on your creditworthiness.

How to Contact HDFC Credit Card

Head Office

1st Floor,C.S.No.6/242, Senapati Bapat Marg

Lower Parel, Mumbai – 400 013.


To get in touch with HDFC, click here for resident customers, or call 855-207-8106 (USA), 855-846-3731 (Canada), 800-756-2993 (UK), 800-101-2798 (Singapore). For other countries, click here to receive a call.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.