BEST FOR SHOPPING AT SHOPPERS STOP (7% REWARD RATE)

Shoppers Stop Black HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Reward on Shoppers Stop purchases - on purchases upto ₹28570 per month
✔︎
Upto 4% additional reward, through 'weekend offer' program - 5 times a year (maximum once per month)
✔︎
Complimentary access to airport lounges in India (4 times per quarter), and abroad (2 times per quarter)
✔︎
Complimentary First Citizen Black membership worth ₹4500.
Annual Fee

₹4500

Minimum Income

Salaried : ₹2 lakhs per month || Self-employed : ₹8 lakhs per year

Annual Fee Offers
  • Welcome Offer : ₹1500 worth of Shoppers Stop vouchers, on minimum shopping of ₹5,000 at Shoppers Stop stores. You also get a complimentary First Citizen Black membership worth ₹4,500.
  • Renewal Offer : Continued membership of First Citizen Black worth ₹4,500.

BEST FOR SHOPPING/SPENDING AT VARIOUS TATA BRANDS

Tata Neu Infinity HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Reward on partner Tata brands - only on Tata Neu app
5%
Reward on partner Tata brands (outside Tata Neu app)
1.50%
On UPI spends (on Rupay card version)
✔︎
Complimentary access to airport lounges both in India (2 times per quarter) and abroad (once per quarter).
Annual Fee

₹1499

Minimum Income

Salaried : ₹1 lakh per month || Self-employed : ₹12 lakhs per year

Annual Fee Offers
  • Welcome offer : 1499 NeuCoins worth ₹1499, on doing your 1st card transaction within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹3 lakhs or more in the previous year.

BEST FOR FREQUENT SWIGGY USERS , AND FOR ONLINE PURCHASES INCLUDING AMAZON AND FLIPKART

Swiggy HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Cashback on Swiggy apps (Food ordering || Instamart || Dineout || Genie) – on purchases upto ₹15000 per month
5%
Cashback on online purchases across various categories (including Amazon and Flipkart) – on purchases upto ₹30,000 per month
Annual Fee

₹500

Minimum Income

Salaried : ₹25,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Complimentary 3-month Swiggy One Membership
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year

BEST FOR AMAZON || FLIPKART || MYNTRA || TATA CLIQ, AND OTHER SELECT ONLINE MERCHANTS

HDFC Bank Millennia Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback at 10 partners, including Amazon || Flipkart || Myntra || Tata Cliq - on total purchases upto ₹20,000 per month
Upto 1%
Milestone benefit : ₹1000 gift voucher OR lounge access voucher - at ₹1 lakh quarterly card spend
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹1000

Minimum Income

Salaried : ₹35,000 per month || Self-Employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Vouchers worth ₹1000, on payment of annual fee
  • Renewal offer : Renewal fee is not charged, if you spend ₹1 lakh or more in the previous year

BEST FOR RAILWAY TICKET BOOKINGS AT IRCTC

IRCTC HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Reward on railway tickets, including 5% cashback through HDFC Smartbuy platform
✔︎
Quarterly milestone benefit : Gift voucher worth ₹500, upon spending ₹30,000 every 90 days.
✔︎
Complimentary access to railway lounges in India – 2 per quarter
✔︎
1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
✔︎
1% reward on UPI spends
Annual Fee

₹500

Minimum Income

Salaried : ₹25,000 per month || Self-Employed : ₹6 lakhs per year Annual Fee

Annual Fee Offers
  • Welcome offer : You get a gift voucher worth ₹500, on card activation within 30 days of card issuance.
  • Renewal fee offer : Annual fee is not charged from the second year onwards , if you spend ₹1.50 lakhs or more in the previous year.

GOOD REWARDS AT SELECT PARTNERS, INCLUDING AMAZON AND FLIPKART

HDFC Bank MoneyBack+ Credit Card

Our Rating 3.75
Top Reasons to Choose
3.3%
Cashback at select partners - Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy
Upto 1%
Additional milestone benefit : ₹500 gift voucher at ₹50,000 quarterly card spend
✔︎
Annual fee for previous year is waived off at ₹50,000 annual card spend
✔︎
0.33% cashback on UPI spends (only on Rupay variant of HDFC Bank MoneyBack+ Credit Card)
✔︎
Dining benefits (HDFC Swiggy Dineout Program) – 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹500

Minimum Income

Salaried : ₹20,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 500 cash points worth ₹125, on payment of 1st year annual fee
  • Renewal offer : Annual fee not charged at ₹50,000 yearly card spend

STARTER CARD FROM HDFC, LOW MINIMUM INCOME REQUIREMENTS

HDFC Bank Freedom Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Starter HDFC cashback card, with low minimum income requirement of ₹12000 per month (for salaried individuals)
✔︎
Low annual card spend requirement of ₹50,000, to get annual fee waived off
1%
Cashback at 5 partners - Big Basket || Swiggy || BookMyshow || OYO || Uber (10X)
Annual Fee

₹500

Minimum Income

Salaried : ₹12,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 500 cash points worth ₹75, on payment of 1st year annual fee
  • Renewal offer : Annual fee from the second year onwards is not charged , if you spend ₹50,000 or more in the previous year

ATTRACTIVE REWARDS ON LOWER FUEL SPENDS || BILL PAYMENTS || GROCERY PURCHASES

IndianOil HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
5.80%
Benefit on IndianOil fuel spends - only on fuel spends upto ₹3000 per month
4.80%
Benefit on grocery purchases - only on purchases upto ₹2000 per month
4.80%
Benefit on bill payments - only on payments upto ₹2000 per month
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹500

Minimum Income

Salaried : ₹10,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Special limited time offer of ₹1500 Amazon vouchers, only if you apply online. This is subject to change.
  • Renewal offer : Annual fee is waived from the 2nd year onwards , if you spend ₹50,000 or more in the previous year.

BEST FOR FREQUENT INDIGO FLYERS

6E Rewards XL IndiGo HDFC Bank Credit Card

Our Rating
Top Reasons to Choose
5%
Benefit on Indigo bookings
3%
Benefit on grocery, entertainment and dining spends
2%
Benefit on all other card spends
✔︎
Complimentary domestic airport lounge access – 2 per quarter
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹1500

Minimum Income

Salaried : Gross income of ₹1.20 lakhs per month || Self-employed : ₹14.4 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome ticket voucher worth ₹3000. || One free ‘6E Prime-Add-on’ worth ₹1099.

BEST FOR FREQUENT INDIGO FLYERS

6E Rewards IndiGo HDFC Bank Credit Card

Our Rating 3.50
Top Reasons to Choose
2.50%
Benefit on Indigo bookings
2%
Benefit on grocery, entertainment and dining spends
Annual Fee

₹500

Minimum Income

Salaried : ₹50,000 per month || Self-employed : ₹7.20 lakhs per year

Annual Fee Offers
  • Welcome offers : Welcome ticket voucher worth ₹1500. One ‘6E Prime-Add-on’ worth ₹1099.

Complimentary Times Prime membership || Offers at a variety of partners

HDFC Bank Times Platinum Credit Card 

Our Rating 3.75
Top Reasons to Choose
✔︎
Complimentary Times Prime membership, remains valid if you conduct at least 1 card transaction each quarter
✔︎
50% discount on movie tickets via BookMyShow, upto ₹600 per month
✔︎
Complimentary 6 months Eazydiner membership. 15% discount (upto ₹1500), on Eazydiner via PayEazy
✔︎
Upto 20% discount (online & offline) at select partners, through Times Card WebApp
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹1000

Minimum Income

Salaried : Net income of ₹25,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome vouchers worth ₹5000 across shopping, apparel, dining and more || Complimentary Times Prime membership worth ~ ₹1000
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2.50 lakhs or more in the previous year

BEST FOR FREQUENT PAYTM USERS

Paytm HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
3%
Cashback on various spends at Paytm : Prepaid recharges || Utility bill payments || Movie tickets || Mini App - on spends upto ₹16,666 per month
2%
Cashback on all other select Paytm spends - on spends upto ₹25000 per month
✔︎
Milestone Benefit : Additional benefit of upto 1%, on monthly card spend of ₹10,000
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹500

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived at ₹30,000 card spend, within 90 days of card issuance || Complimentary Paytm First membership
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year

Complimentary Times Prime membership || Offers at a variety of partners

HDFC Bank Times Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Complimentary Times Prime membership worth approximately ₹1000, remains valid if you conduct atleast 3 card transaction each quarter
✔︎
25% discount on movie tickets via BookMyShow, upto ₹350 per month
✔︎
10% discount (upto ₹1500), on Eazydiner via PayEazy
✔︎
Upto 20% discount (online & offline) at select partners, through Times Card WebApp
Annual Fee

₹500

Minimum Income

Salaried : Net income of ₹25,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome vouchers worth ₹5000 across shopping, apparel, dining and more || Complimentary Times Prime membership worth approximately ₹1000
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year

BEST FOR FREQUENT PAYTM USERS

Paytm HDFC Bank Select Credit Card 

Our Rating 3.75
Top Reasons to Choose
5%
Cashback (upto ₹1500 per month) on select Paytm spends – prepaid charges || utility bill payments || travel || movies || mini app
3%
Cashback (upto ₹500 per month) at select partners – Swiggy || AJIO || Big Basket || Uber
✔︎
Upto 1% additional benefit, at ₹50,000 quarterly card spend (milestone benefit)
✔︎
Complimentary domestic airport lounge access – 2 per quarter
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹1000

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : First year annual fee not charged at ₹50,000 card spend, within 90 days of card issuance || Complimentary Paytm First membership
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year

BEST FOR SHOPPING AT SHOPPERS STOP

Shoppers Stop HDFC Bank Credit Card

Our Rating 3.50
Top Reasons to Choose
3%
Rewards on all Shopper Stop purchases
✔︎
Low fee of ₹299
✔︎
Complimentary Shoppers Stop Silver Membership worth ₹350
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹299

Minimum Income

Salaried : Net monthly income of ₹20,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome Offer : Shoppers Stop voucher of ₹500 || Complimentary Shoppers Stop Silver Edge membership worth ₹350

BEST FOR SPENDING AT PARTNER TATA BRANDS

Tata Neu Plus HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Benefit at partner Tata brands - only via Tata Neu app
2%
Benefit on partner Tata brands (outside Tata Neu app)
✔︎
Complimentary access to airport lounges in India (1 time per quarter)
1%
Benefit on UPI spends
Annual Fee

₹499

Minimum Income

Salaried: Net income of ₹25,000 per month || Self-employed: ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 499 NeuCoins worth ₹499, on joining
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹1 lakh or more in the previous year.

BEST FOR SUPER PREMIUM BENEFITS AND HIGH REWARD RATES ON CARD SPENDS

HDFC Bank INFINIA Credit Card

Our Rating 4.50
Top Reasons to Choose
10X
33.3% reward (10X) on the following card spends via HDFC Smartbuy platform – hotels || select partners (Jockey and IGP.com)
5X
16.6% reward (5X) on the following card spends via HDFC Smartbuy platform – flights || bus tickets || MakeMyTrip holiday packages || gift vouchers || select partners (Myntra, Apple Imagine Tresor, Nykaa, Zoom Car)
3X
10% reward (3X) on the following card spends via HDFC Smartbuy platform – railway bookings at IRCTC
X
3.3% reward (X) on all other card spends
✔︎
Unlimited complimentary airport lounge access in India and abroad
✔︎
Unlimited complimentary golf rounds and golf lessons, at partner golf courses
Annual Fee

₹12500

Minimum Income

By Invite

Annual Fee Offers
  • Welcome Offer : Welcome offer worth ₹12500, and complimentary 1 year Marriott membership
  • Renewal Offer : You get 12500 reward points worth ₹12500, on payment of renewal fee

BEST FOR PREMIUM BENEFITS AND HIGH REWARD RATES, ESPECIALLY ON TRAVEL

HDFC Bank Diners Club Black Metal Edition Credit Card

Our Rating 4.25
Top Reasons to Choose
33.3% (10X)
Reward on the following card spends via HDFC Smartbuy platform – hotels || select partners (Jockey and IGP.com)
16.6% (5X)
Reward on the following card spends via HDFC Smartbuy platform – flights || bus tickets || MakeMyTrip holiday packages || select partners (Myntra, Nykaa, Zoom Car)
10% (3X)
Reward on the following card spends via HDFC Smartbuy platform – gift vouchers|| railway bookings at IRCTC || Apple Imagine Tresor
3.3% (X)
Reward on all other card spends
✔︎
Unlimited airport lounge access in India and abroad
✔︎
Complimentary golf rounds worldwide - 6 per quarter
Annual Fee

₹10000

Minimum Income

Salaried : Net income of ₹1.75 lakhs per month || Self-employed : ₹21 lakhs per year

Annual Fee Offers
  • Welcome Offer : Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One - on spending ₹1.50 lakhs within 90 days of card issuance
  • Renewal Offer : Annual fee is not charged from the second year onwards, if you spend ₹8 lakhs or more in the previous year

BEST FOR 3X-10X ACCELERATED REWARDS ON HDFC SMARTBUY PLATFORM

HDFC Bank Regalia Gold Credit Card

Our Rating 3.75
Top Reasons to Choose
10X
17.3% reward (10X) on the following card spends via HDFC Smartbuy platform – hotels || select partners (Jockey and IGP.com)
5X
8.6% reward (5X) on the following card spends via HDFC Smartbuy platform – flights || bus tickets || gift vouchers || select partners (Myntra, Apple Imagine Tresor, Nykaa, Zoom Car)
5X
8.6% reward (5X) at select partners – Marks & Spencer || Myntra || Reliance Digital || Nykaa (both online and offline spends)
3X
5.2% reward (3X) on the following card spends via HDFC Smartbuy platform – railway bookings at IRCTC
X
1.7% reward (X) on all other card spends
✔︎
Upto 2.1% additional reward through the quarterly and annual milestone program
✔︎
Complimentary airport lounge access both in India (12 times per year), and abroad (6 times per year)
✔︎
Welcome benefits, including complimentary Club Vistara Silver membership and complimentary MakeMyTrip Black Elite membership
Annual Fee

₹2500

Minimum Income

Salaried : Net monthly income of ₹1 lakh per month || Self-employed : Annual income of ₹12 lakh

Annual Fee Offers
  • Welcome offers : ₹2500 gift voucher || Complimentary Club Vistara Silver Tier and MMT Black Elite Membership - on spending ₹1 lakh or more within 90 days of card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹4 lakhs or more in the previous year.

BEST FOR 3X-10X ACCELERATED REWARDS ON HDFC SMARTBUY PLATFORM

HDFC Bank Diners Club Privilege Credit Card

Our Rating 3.75
Top Reasons to Choose
10X
13.3% reward on hotels bookings || at select partners : IGP.com & Jockey (only via HDFC Smartbuy platform)
5X
6.6% reward on flights & bus bookings || gift voucher purchases || at select partners : Apple, Nykaa, Zoom Card (only via HDFC Smartbuy platform)
5X
6.6% reward at Swiggy & Zomato spends
3X
4% reward on Flipkart purchases || rail ticket bookings (only via HDFC Smartbuy platform)
X
1.3% reward on all card spends
✔︎
Complimentary airport lounge access both in India and abroad - 2 times per quarter
✔︎
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow - 2 free tickets (upto ₹250 each) per month
Annual Fee

₹2500

Minimum Income

Salaried : Net monthly income of ₹70,000 || Self-employed : Annual income of ₹8.40 lakh

Annual Fee Offers
  • Welcome offers : Complimentary annual memberships of Swiggy One and Times Prime
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹3 lakhs or more in the previous year.

VIRTUAL UPI CARD FROM HDFC

HDFC Bank UPI RuPay Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
UPI enabled card
Annual Fee

₹99

Minimum Income

Not Specified

Annual Fee Offers
  • Renewal offer : Annual fee from the second year onwards is waived off, if you spend ₹25000 or more in the previous year

HDFC Bank Credit Card Offer

HDFC Bank Credit Cards come with a wide range of offers and rewards. Some of the popular HDFC Credit Card offers are -

  • HDFC Credit Cards with cashback offers
  • HDFC Credit Cards with airport lounge access offers
  • HDFC Credit Cards with railway lounge access offers
  • HDFC Credit Cards with shopping offers
  • HDFC Credit Cards with travel offers, including railway booking & flight offers
  • HDFC Credit Cards with annual fee offers
  • HDFC Credit Cards with reward points, which can be converted to air miles

How can I apply for an HDFC Bank Credit Card ? 

You can apply for an HDFC Credit Card online or offline.

HDFC Credit Card - Apply Online 

You can apply for an HDFC Credit Card online, by clicking the APPLY NOW button provided against each of the HDFC Credit Cards on this page. You shall be taken to the HDFC Bank credit card application page on the HDFC Bank Credit Card website. You can also visit the official website of HDFC Bank, and fill out the respective HDFC credit card application form. 

The HDFC Credit Card online process is simple and convenient. You need to fill out some some basic personal details, professional details, followed by KYC process. Once this is done, you shall receive your physical card in a few working days.

HDFC Credit Card - Apply Offline 

You can also visit any of the nearest branches of HDFC Bank, and talk to an executive regarding the process. They shall help you complete the credit card application process. 

Eligibility criteria for getting an HDFC Credit Card

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the HDFC Bank Credit Card, there are certain basic criteria that all applicants must fulfil.

  • Age : 21 years to 65 years
  • Income : Most HDFC Credit Cards specify the minimum income requirements, unlike many other banks in the industry
  • Credit score : A credit score of 750 or more is generally preferable

Documents required to apply for an HDFC Bank Credit Card

Some of the basic documents required are-

– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : Electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax returns

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

How can I track my HDFC Bank Credit Card application? 

After you have applied for an HDFC credit card, you can track your HDFC credit card application status by clicking here.

You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

WHAT IS HDFC MYCARD

HDFC MyCard is a dedicated mobile app/ mobile website for credit card holders of HDFC Bank. After downloading the app, you can easily access it by just entering your mobile number and OTP.

Through HDFC MyCard app, you can manage all aspects of your credit card journey-

  • Detailed transaction history, including information on any EMI transactions
  • Detailed breakdown of your credit card spending, enabling you to take informed actions
  • Instant access to your electronic credit card statements (e-statements)
  • Convenient bill payments through SmartPay
  • Easy setting up of credit card limits, and other card control options
  • Lost card : Ability to block your card, in case you lose your credit card or any other mishap
  • View of reward points earned

HDFC Credit Card Bill Payment

You can pay your credit card bill in a variety of ways- 
  • through net banking/mobile banking, if you are an HDFC Bank customer
  • through non-HDFC bank accounts, by setting up HDFC Credit Card number as beneficiary
  • through UPI platforms 
  • through HDFC Billdesk link, from any bank account
  • through payment platforms like Bharat Bill Payment System
You can also pay your HDFC Credit Card Bill offline at HDFC branches, at HDFC ATMs, at cheque drop-boxes. When the credit card bill is generated, you have up to 20 days to pay it. It is important for you to pay your credit card bills before the due date, ideally in full to avoid heavy interest & late payment charges.

HDFC Bank Credit Card Fees & Charges

Please find below some important fees and charges of HDFC Credit Cards

Annual charges or annual fee

Many credit cards charge a fee every year just for having the card. Premium credit cards usually charge a higher annual fee, but tend to offer higher rewards, as well as other perks such as complimentary access to airport lounges, complimentary access to railway lounges in India, complimentary premium memberships to airline and hotel loyalty programs, golf privileges, a variety of complimentary insurance benefits including travel health insurance, and more

While many people do not like paying an annual fee, the benefits can far surpass the costs if you use many of the card’s extra features or accumulate a lot of rewards or cash back. It is important to assess whether the annual fee justifies the benefits before making a decision.

Interest charges

Interest is charged on any unpaid balance beyond the due date of your credit card bill. Interest is also charged on any cash advance amounts. Cash advances occur when you use your credit card to withdraw cash from ATMs.

Late payment fee 

Failure to pay the minimum amount due on your credit card, by the bill due date results in a late payment fee. Frequent late payments may affect your credit rating. Additionally, you will be charged interest on your total outstanding card balance, as explained in the previous section.

Cash withdrawals

You can use your HDFC Credit Card to withdraw cash from ATMs. The amount you can withdraw depends on your card type and the predetermined cash advance limit.

When you withdraw cash using your credit card, the bank will charge interest on the withdrawn amount, immediately from the day you withdraw cash, till the day this amount is repaid in full. Unlike regular card transactions, there is no interest free grace period on cash withdrawals, you start accumulating interest charges immediately on cash withdrawal.

Foreign currency transaction fee

This fee is charged on the value of international card transactions. This is a fee charged by the card issuer to convert any transactions in foreign currency into Indian rupees. This is usually around 3.50% of the card transaction amount, on select cards especially premium cards this fee can be reduced which allows more savings when you spend while traveling abroad.

For important terms and conditions, and more details on fees & charges of all HDFC Bank Credit Cards, please click here – HDFC Credit Card Fees & Charges

What is credit limit and how can I increase it?

The credit limit on credit card refers to the maximum amount of money available to the cardholder, to make purchases or payments in during a given monthly credit cycle. Every credit card comes with a fixed monthly limit set by the issuer, up to which the cardholder can initiate spends and payments on their credit card. Once the credit card limit is fully utilised or exhausted, any transactions conducted on the credit card are usually declined by the card issuer.

The main factors which affect your credit limit are-

  • Your income
  • Your credit score
  • Your existing debts
  • Your payment history
  • Employment stability
  • Your credit utilization limit

HDFC Bank will look at the above factors to determine your credit limit when they issue the credit card.

If you want to get your credit limit increased you should monitor the above factors closely. If there is any improvement in any of the above factors especially your income and credit score, you can get in touch with the bank and place a credit limit increase request.

Best Credit Cards in India

Please see below some of the best credit cards on offer-

Best travel cards || Best shopping cards || Best cashback cards || Best Points & Rewards cards || Best professional cards || Best fixed deposit cards || Best health & fitness cards