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Scout through some of the best hand-picked credit card offers.
Before you pick any HDFC credit cards, it helps to know the main charges that usually apply. These costs can change by card type, but the overall pattern stays similar across the range:
| Parameter | Short details |
| Annual fees | ₹ 500 to ₹ 2,500 |
| Interest & finance charges | Around 3.4% to 3.8% per month on unpaid balances and cash withdrawals, set card-wise. |
| Late payment & other charges | Late fee is slab-based on the statement amount. Higher outstanding means a higher fixed fee. Other charges apply for cash withdrawal, over-limit use and returns. |
| Foreign transaction fees | Usually, about 3.5% of the transaction value on foreign currency spends, plus taxes. |
HDFC Bank offers a standard set of features across most HDFC credit cards, with a few variations from card to card. Here are the core benefits in simple form:
The basic requirements needed to be eligible for HDFC credit cards are:
| Criteria | Details |
| Minimum age | 21 years |
| Eligible profiles | Salaried, self-employed, existing HDFC Bank customers, NRIs, PIOs and foreign nationals living in India |
| Minimum credit limit | Starts from ₹10,000 |
| Application mode | Digital or physical form |
| Eligible segments | Individuals or entities per HDFC’s credit norms |
When you apply for HDFC credit cards, the bank will ask for basic KYC and income documents. Keeping these ready makes the process quicker:
HDFC Bank lets you control and secure your card with simple digital options. Most actions can be done in a few taps on the HDFC MobileBanking app or through NetBanking:
HDFC Bank has cards for different spending styles, so the right choice depends on what you use your card for the most:
You can use your HDFC Bank Credit Card in many ways to earn more value from regular spending. A few small habits can help you collect points faster and make better use of the card:
Find quick answers to common questions about Credit Cards.
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