HDFC bank has established itself as one of the most customer-friendly banks in India. Apart from offering customer-friendly services, the bank also offers a wide network of ATMs and support branches at various locations. SBI and ICICI are the two main competitors for HDFC bank in India. HDFC banks also caters to a limited international population therefore helping customers who frequently travel to foreign countries.
HDFC offers a wide range of credit and debit cards along with internet banking facility. Let us go through the most useful credit cards that HDFC Bank has got to offer.
Types of Credit Cards
HDFC currently nearly 40 different types of credit cards to its users. The most popular 12 cards are classified into 7 major categories as listed below:
Entertainment
- Times Titanium Card
- Times Platinum Card
Cashback
Rewards
Travel
- Regalia
- JetPrivilege HDFC Bank World
- JetPrivilige HDFC Bank Platinum
- JetPrivilige HDFC Bank Titanium
Lifestyle
- Diners Black
- Diners Premium
Women
Professional
- Doctor’s Superia
- Teacher’s Platinum
Eligibility Criteria for HDFC Credit Card
The eligibility criteria for a particular credit card may change depending upon
the type of credit card that you wish to avail. However, there are a few common criteria that apply to all credit cards.
Age of the Applicant
The person applying for a credit card should be a minimum 21 years, and maximum of 60 years of age.
The age criteria for a self-employed individual should be between 21 to 65 years. However, the bank prefers offering credit cards to a little more financially stable person, that is, a person in his early thirties compared to an elderly or a very young individual.
Regular Source of Income
The person applying for a credit card should have a proof of regular income. A person with a
higher regular income can get a higher spending limit on his/her credit card compared to a
person having a lower regular income. HDFC bank also has a minimum income criterion for a
credit card which depends on the card that you wish to avail.
Credit Score
The person applying for a credit card should have a good credit score. A higher
credit score will allow the person to get a new credit card quickly compared to a person who has a lower credit score.
Existing Bank Account
An applicant can get a credit much faster with HDFC bank if he/she already has
an account with the bank. In case you wish to have a new credit card with the bank, you must open at least one account with the bank.
Documents Required
You must produce the following documents to the bank during the application process.
- KYC – PAN card
- Address Proof
- ID Proof (License, Aadhar Card, Passport, etc.)
- Two recent passport size photographs (Within the past 6 months)
- Salary Slip with the employer’s signature (Salaried Individual)
- Bank Account Statement (Self-Employed Individual)
Features of Credit Cards
A credit card may offer one or more special features depending upon the type of credit card that you avail. Let us quickly go through the features of the top 12 credit cards mentioned above to help you choose the best credit card for your requirement.
Entertainment – You get high-class entertainment benefits for the entire year on movies, dining, theatre, rock concerts and much more.
- You can avail a 25% discount on the movies and up to 15% discount on dining experiences at various participating outlets.
- You get the benefits of welcome gift vouchers when you apply for a new card, for shopping, apparel, dining and much more.
- You avail 5 Reward Points on spending 150 Rupees for dining on weekdays.
- You avail 2 Reward Points on spending 150 Rupees for any other purposes.
- You can avail a 20% discount on the movies and up to 20% discount on dining experiences at various participating outlets.
- You get the benefits of welcome gift vouchers when you apply for a new card, for shopping, apparel, dining and much more.
- You avail 10 Reward Points on spending every Rupees for dining on weekdays.
- You avail 3 Reward Points on spending 150 Rupees for any other purposes.
Cashback– With cashback cards, you can get cashback on various shopping and dining outlets. You can also avail the benefits while shopping online.
- You can redeem your rewards points as cashback any time you like. 100 reward points are equivalent to 30 Rupees.
- You avail 2 Reward Points on spending 150 Rupees.
- While shopping online you get double the rewards points, that is, 4 reward points on spending 150 Rupees.
- You do not need to pay any extra amount while paying for fuel with your credit card.
Rewards– Cards under this category are specially made for the avid shopper. You can get a lot of reward points when shopping through a rewards credit card.
- You avail 3 Reward Points on spending 150 Rupees.
- Benefits of a 24 x 7 helper to help you book air tickets, hotel rooms, send gifts or to make dinner reservations.
- You can redeem your reward points at various hotels and while booking air tickets online (Both domestic and International). HDFC has partnered with over 150 different airlines to help you use the reward points while booking tickets. Every reward point is equivalent to 0.75 Rupees.
Travel – These cards are designed for the avid traveller. You can redeem your reward points to get air miles via these cards.
- You avail 4 Reward Points on spending 150 Rupees and can redeem the rewards against exclusive lifestyle options.
- This card offers the lowest foreign currency mark-up fee amongst all the various cards.
- You can get a complimentary Taj Inner Circle Gold Membership with this card.
- You can avail up to 15% discount on booking rooms at 5-star hotels.
- You can avail 10,000 JP miles on this card easily during a first few uses.
- You can avail over 4,000 JP Miles on the first use of your card within 90 days your credit card renewal.
- You can earn 6 JP Miles on spending 150 Rupees with your card on retail expenses.
- You get access to the domestic lounge program via this card.
- You get the benefits of 5 JP Miles on spending 150 Rupees with your card on retail expenses.
- You get 3 times more JP miles when booking a flight through www.jetairways.com.
- You get 1 Domestic Jetairways Ticket with free base fare.
- You earn up to 4,000 JP miles as welcome gift voucher and 2,000 JP miles on every renewal.
- You get 750 Rupees worth Discount Voucher on booking a return ticket with Jet Airways.
- You earn up to 2,000 JP miles as welcome gift voucher and 1,000 JP miles on every renewal.
- You can earn 4 JP Miles on spending 150 Rupees with your card on retail expenses.
- You can get 12 JPMiles on booking your tickets through Jetairways or Jetkonnect website.
Lifestyle– These premium cards can get you discounts on International travel/hotels, as well as complimentary golf lessons and other premium lifestyle benefits.
- You get access to the largest airport lounge program. This program has access to 650+ lounges worldwide and 25+ lounges in India.
- You get the access to select Golf Clubs in India.
- You can redeem your reward points for booking Air Tickets / Hotels across Domestic and International airlines as well as hotels.
- Every reward point is equivalent to 1 Rupee atwww.hdfcbankdinersclub.com.
- You avail 4 Reward Points on spending 150 Rupees.
- You get access to unlimited golf lessons.
- You can redeem 10,000 reward points for travel vouchers worth 7,500 Rupees.
Women– This card is specially made for women who love to shop. You can get exclusive benefits on shopping, lifestyle, as well as wellness packages across India.
- You can get 1000 Rupees worth Shoppers Stop vouchers on spending 75,000 Rupees every 6 months.
- You get 50% more reward points on shopping for dining and groceries using the Solitaire credit card.
- You avail 3 Reward Points on spending 150 Rupees.
Professional – These credit cards are designed especially for doctors, and other business professionals. You can avail benefits on travel as well as shopping using these premium cards.
- You avail the special welcome benefit of 1000 reward points with this card.
- You avail 3 Reward Points on spending 150 Rupees. You get 50% more reward points on spending on dining needs with this card.
- You get complimentary access to the priority pass membership and the MasterCard Lounge program.
- You get the benefits of fuelsurchargewaiver capped at 250 Rupees on every billing cycle.
- You avail 2 Reward Points on spending 150 Rupees.
- You get 3 times more reward points when you shop using this card on the weekends.
- You get access to special 500 reward points on the Teacher’s day (5th September) every year.
Some of the other popular cards in that HDFC bank offers include:
- Infinia Super Premium Credit Card – Premium benefits for high-end users,
- Snapdeal HDFC Bank – Exclusive discounts on shopping from Snapdeal.com,
- Maruti Suzuki HDFC Bank AllMiles Credit Card – Get 2 times the normal reward points on shopping at the NEXA showroom or at MyNEXA section at www.nexaexperience.com. You can also redeem your points against air miles, flight tickets, movie tickets, dining bills, etc.
Know more about credit cards from other banks too only at JustAPly.com.