Best HDFC Bank Credit Cards of July 2024

Types of Credit Cards Offered by HDFC Bank

HDFC Bank offers multiple types of credit cards like

Shopping: These are credit cards that are specially made for shopping be it online or offline with great benefits in the form of reward points or cash back.

Travel: These are credit cards made for people who love to travel and get benefits in the form of reward points or miles which can be redeemed for attractive gifts or free tickets

Lifestyle: These are credit cards that provide benefits for dining, movie tickets, etc. These are also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month.

HDFC Credit Card Benefits & Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is a list of uses that credit cards can provide you
1. Sign-on bonuses: Some of the credit cards from HDFC Bank provide sign-on bonuses or gifts as a thank-you for signing with the bank. This is a great reward that will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your HDFC Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way, the customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as a reward for using their HDFC Bank credit card to pay for airline tickets. With enough points, you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a lifesaver in case of delayed flights.

4. Cashback: Some HDFC Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, and 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spending.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many cardholders don’t even realize they are protected and don’t utilize these facilities. It is best to read the terms and conditions before you get a credit card and know every feature available.

7. Universal acceptance: Unlike debit cards, credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan that can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a cardholder with a plethora of benefits.

Features Of HDFC Bank Credit Card

• ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​ Welcome Benefits

Enjoy exclusive benefits upon signing up and transacting with an HDFC Bank Credit Card. We also offer benefits on annual spends exceeding specific amounts

• SmartEMI

Convert credit card spends of INR 2,500 or more into SmartEMIs post your purchases. Enjoy competitive interest rates and flexible repayment tenures on offline and online Credit Card purchases converted into SmartEMI.

• Contactless Payments

Make payments quickly, confidently, and securely with our contactless Credit Cards. Just tap your card to pay at retail outlets in seconds.

To activate contactless payments, please use MyCards.

• Foreign Currency Markup

Shop and save more on your overseas spends. We levy a low foreign currency markup on overseas purchases on select HDFC Bank Credit Cards.

• Insurance Benefits

Select HDFC Bank Credit Cards come with complimentary insurance benefits. Get air accidental cover and emergency overseas hospitalization cover worth several lakhs.

• Revolving Credit Facility

Leverage revolving credit facilities at nominal interest rates on HDFC Bank Credit Cards. Check the MITC to know more.

• Airport Lounge Access

For select credit cards get complimentary access to airport lounges at domestic and international airports.

• Zero Lost Card Liability​​​​​​​

​​​​​​​Contact our 24-hour call centre to report your lost Credit Card. Get liability waivers on fraudulent transactions upon prompt reporting. Read more about the benefits of using a credit card.