Let’s say Riya, a 28-year-old working professional. She spends around ₹50,000 monthly on food, fuel, travel, and shopping. She smartly uses the HDFC Freedom Credit Card, and here’s how it helps her save big:
₹4,000 spent on fuel monthly = ₹200 fuel surcharge saved
Quarterly spends = free movie ticket via BookMyShow offer
Annual savings = ₹500 x 12 + ₹200 x 12 = ₹8,400, plus bonus rewards and free memberships!
Isn’t it cool to get paid for spending on things you already buy? If Riya can do it, why can't you? Let’s break down why HDFC Credit Cards are a smart choice!
Why Choose HDFC Credit Card?
Let’s say Riya spends ₹50,000 every month on groceries, dining, and travel. She uses the HDFC Freedom Credit Card, earning 10X points on Swiggy orders. Last month, she got 50,000 points (₹500 cashback) on a ₹5,000 food order and saved ₹200 on fuel. In a year, these rewards helped her save ₹12,000 for trips and shopping.
Why Choose HDFC Bank Credit Cards?
Diverse Card Options: Whether you are a traveller, a professional, or a shopping enthusiast, there’s a card designed just for you.
Attractive Rewards: Earn points or cashback on regular spends across categories like dining, fuel, and shopping.
Convenience: Easy online application, quick approvals, and digital management through apps.
Exclusive Perks: Complimentary lounge access, travel insurance, and concierge services enhance your lifestyle.
Fuel Savings: Waivers on fuel surcharges help reduce costs on daily commutes.
Co-branded Benefits: Special offers on top brands like Swiggy, IndianOil, and Tata Neu make your spending more rewarding.
Feature
Benefit
Example
Wide Variety of Cards
Tailored to your lifestyle & spending patterns
Super Premium, Travel, Co-branded cards
Rewards & Cashback
Earn points/cashback on everyday spending
10X points on Swiggy, 5% cashback on Amazon
Fuel Surcharge Waiver
Save money on fuel expenses
₹200 saved monthly on fuel
Complimentary Services
Airport lounges, travel insurance, and concierge services
Access to 600+ lounges worldwide
Digital Convenience
Easy management via app and online portals
Instant reward redemption
Partner Brand Offers
Accelerated benefits on brands like Tata Neu, IndianOil
10X CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber
1 CashPoint per ₹150 spent elsewhere
Up to 50 days of interest-free credit
IndianOil HDFC Credit Card
Earn up to 50 Litres of free fuel annually
5% Fuel Points on IndianOil, groceries, and bills
1 Fuel Point per ₹150 on other spends
1% Fuel Surcharge waiver
Best for frequent fuel users
Diners Club Privilege Credit Card
Buy 1 Get 1 Free BookMyShow offer
5X Reward Points on Swiggy & Zomato
Free Swiggy One & Times Prime memberships
₹1,500 vouchers on ₹1.5 lakh quarterly spend
8 complimentary airport lounge accesses worldwide
4 Points per ₹150 spent
Premium lifestyle and travel benefits
Everyday Rewards Credit Cards
Earn rewards on daily essentials
Great for frequent shoppers
Premium Credit Cards
Luxurious lifestyle benefits
Includes travel, dining, and exclusive reward options
Fuel & Travel Credit Cards
Fuel savings and travel perks
Combines fuel surcharge waivers with travel benefits
Lifestyle Credit Cards
Stylish perks and indulgences
Ideal for fashion and leisure spending
Digital Credit Cards
Fully digital application and management
Use and manage via apps
Business Credit Cards
Supports high-spending professionals
Business-centric rewards and tracking tools
Commercial Credit Cards
Efficient business expense management
Designed for large companies and commercial use
RuPay Credit Cards
RuPay network with UPI cashback benefits
PIXEL RuPay variant offers 1% cashback on UPI spends
Credit Card Against Fixed Deposit
Easy approval without income proof
Helps build a credit score
FD continues earning interest while the card is used
Key Features & Benefits of HDFC Credit Cards:
Feature
What It Means (Simple Words)
Reward Points
You get points when you spend. Later, you can use these points for cashback, travel, or shopping.
Airport Lounge Access
Some cards let you sit and relax in special airport lounges for free.
Travel Insurance
Helps you if something goes wrong while you’re travelling, like accidents or medical problems.
Special Offers
Get discounts on food, shopping, and travel using your card.
Tap to Pay (Contactless)
You can pay just by tapping your card—no need to swipe or enter a PIN for small amounts.
Convert to EMI
Buy big things and pay in small parts every month.
Loan on Card
You can borrow money using your credit card when needed.
Balance Transfer
Move your old credit card bill to the HDFC card and pay it off in parts.
Free Memberships
Some cards give you free plans like Amazon Prime or Zomato Gold.
Fuel Surcharge Waiver
Save money when you use the card to buy fuel.
Emergency Card Help
If you lose your card, HDFC can quickly give you a new one.
Low Foreign Fees
Pay fewer extra charges when you use your card in another country.
24/7 Help (Concierge)
Some cards give round-the-clock help for travel and booking services.
Extra Rewards on Spending
Spend more, get bonus points or gifts (called milestone benefits).
Insurance Cover
Some cards give safety insurance for health or travel problems.
Late Fee
If you don’t pay on time, there might be a penalty (extra charge).
Diners Club Offers
Diners Club cards have special deals on dining and luxury services.
How to Apply for an HDFC Credit Card Easily?
Online Application (From Home)
Visit the HDFC Bank Website: Go to www.hdfcbank.com.
Open the Credit Cards Section: Navigate through the 'Pay' or 'Products' tab and click on the 'Credit Cards' option.
Choose Your Credit Card: Browse available options and select the one that suits your needs.
Click on Apply Now: Click on the 'Apply Now' button next to your chosen card.
Fill in Personal & Income Details: Enter your name, contact info, job, and income details.
Review and Submit: Double-check your information and click the 'Submit' button.
Wait for Verification: HDFC will verify your details and may contact you for confirmation.
Get Your Card: Upon approval, your credit card will be delivered to your address.
Offline Application (At the Bank)
Go to your nearest HDFC Bank branch.
Ask a bank staff member to help you with the application.
Fill out the form and submit your documents (like ID and address proof).
Complete the KYC process in person.
Wait for approval.
Once approved, your credit card will be sent to your home in 10–15 days.
HDFC Bank Credit Card Customer Support – At a Glance
Support Type
Details
Toll-Free Numbers (India)
1800 1600 or 1800 2600
Customer Care (International)
+91 22 61606160
Dedicated Number (Premium Cards)
+91 22 61717606 (for Imperia, Diners Black, and Infinia customers)
Email Support
customerservices.cards@hdfcbank.com
SMS Service
Send CCMENU <last 4 digits of card> to 5676712 to get credit card info
PayZapp App
Access the help centre, account details, and card services via the app
Online Banking
View statements, manage your card, and access services via the HDFC website & NetBanking
Customer Support Services
Service
What You Can Do
Block/Unblock Card
Call customer care to block or unblock your card
Dispute a Transaction
Get help if a transaction looks wrong or unauthorised
Report Fraud/Unauthorised Use
Call customer care immediately to report any suspicious activity
Check Balance & Outstanding Amount
Use SMS, online banking, or call customer care
Grievance Redressal
Raise complaints or issues via HDFC’s dedicated grievance system
Other Inquiries
Get help with card-related issues like mis-selling, harassment, or general queries
Conclusion:
HDFC Credit Cards help you save money on things you already buy—like food, fuel, and shopping. You get cashback, reward points, free lounge access, and travel insurance too! Pay easily by tapping, turn big buys into small EMIs, and even get a loan if needed. Choose from cards like Freedom, PIXEL, or Diners. Apply online or at the bank. For help, call, SMS, or use the app. Why wait? Start saving smart with an HDFC Credit Card today!
FAQs:
Q1: How can I apply for an HDFC Credit Card? You can apply online through the HDFC website or visit your nearest branch.
Q2: What rewards do I get with HDFC Credit Cards? You earn cashback, reward points, and special offers on dining, fuel, shopping, and more.
Q3: Can I convert my big purchases into EMIs? Yes, HDFC Credit Cards let you convert high-value spends into easy EMIs.
Q4: Which HDFC Credit Card is best for daily use? The HDFC Freedom Credit Card is great for everyday spending with 10X rewards on popular brands.
Q5: What should I do if I lose my HDFC Credit Card? Call customer care immediately to block the card and request a replacement.
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About the Author
LoansJagat Team
‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
