HDFC Credit Card Apply - How to Apply HDFC Credit Card?

An HDFC credit card offers immense benefits on transactions in the form of rewards, discounts, cashback, etc. Availing them will not only help you save more but give you access to several other advantages and luxuries as well. 

Read on to learn about the features, eligibility criteria, and steps to take to apply for an HDFC credit card. 

How to Apply for HDFC Credit Cards Online?

The following are steps to apply for an HDFC credit card online:

• Step 1: Navigate to the official website of HDFC Bank.
• Step 2: Scroll down to the ‘Pay’ tab and click on ‘Credit Cards’ option.
• Step 3: Click on the ‘Apply Now’ button. 
• Step 4: Enter the crucial personal and income details.
• Step 5: Review the details and click the 'Submit' button.
• Step 6: The bank officials will contact you to verify the details.
• Step 7: Once the details are verified, the bank will issue the credit card.

How to Apply for HDFC Credit Cards Offline?

Here are the steps that you can follow to apply offline for an HDFC credit card:

• Step 1: Visit your nearest HDFC Bank branch.
• Step 2: Request for a credit card application form.
• Step 3: Select the card that you want to apply for. 
• Step 4: Enter your personal and income details accurately.
• Step 5: Paste your photograph and sign the form.
• Step 6: Review the details and submit the form.

HDFC Bank Credit Card Benefits and Features

An HDFC Bank credit card offers numerous benefits that make your purchases simpler and more cost-effective. Their features include: 

• Presence of Personalised Offers: You can get various personalised offers and deals to save more on frequent purchases. 
• Zero Liability for Frauds: Get benefitted from zero liability in case of fraudulent activities on your credit cards. 
• Minimal Transaction Fees: Save more with a nominal transaction fee when using an HDFC credit card to pay your bills. 
• Simplified Card Management: You can easily monitor your credit card transactions with the help of comprehensive statements available.
• Attractive Pay Later Facilities: The card offers attractive ‘Buy Now Pay Later’ facilities so you can easily cover all expenses in simple instalments.
• Wide Range of Offers Present: An HDFC credit card offers cashback, discounts, and reward points during your purchase.
• Exclusive Benefits: Apart from transaction rewards, you can also get fuel surcharge offers and access to domestic and international airport lounges. 
• Instant Loan from HDFC Bank: You can instantly get a loan from HDFC using this card and easily meet all your unplanned expenses.
• Automated Payment Set-up: With an HDFC Bank credit card, you can easily set up auto payments of utility bills, phone recharges, and much more. 

HDFC Bank Credit Card Eligibility Criteria

You need to meet the following criteria to be eligible for an HDFC Bank credit card.

• Age: Must be above 18 years.
• Credit score:  Have a good credit history and high credit score.
• Citizenship: Must either be an Indian resident or a Non-Resident Indian (NRI).
• Employment: Should be a salaried or self-employed person. 

Documents Required to Apply for an HDFC Credit Card

Following are some essential records you need when applying for an HDFC credit card.

For existing HDFC account holders:

• Income proof documents such as the latest payslips or the previous 3 years IT returns

For new customers:

• Identity proof documents such as a Voter ID, Aadhaar card, driving licence, etc
• Address proof papers such as rental agreements, utility bills, etc
• Income proof documents such as the latest payslips or the previous 3 years IT returns

Things to Know Before Applying for an HDFC Credit Card

Following are some essential things that you will need to keep in mind when applying for an HDFC credit card:

• Determine Your Spending Habit: First and foremost, determine the areas where you usually spend substantially. Accordingly, choose an HDFC Bank credit card that provides you with enough offers and rewards on such expenses. 
• Check the Reward Points Present: Each type of HDFC credit card is associated with various reward points. So, make sure that the one you choose offers you adequate cashback and discounts on purchases and payments. 
• Consider the Fees and Charges: Even the joining fee and other charges depend on the credit card type that you are selecting. Hence, make sure you select the card on which the associated charges are not extensive. 
• Check out the Perks and Benefits: Apart from the bonuses and rewards, check if the card offers benefits like offers on movie tickets, free access to airport lounges, insurance coverage, etc. 
• Choose the Right Credit Limit: Select an appropriate card limit that perfectly aligns with your spending habits. This will help you keep the credit utilisation ratio low and positively impact your CIBIL score. 
• Go through the Eligibility Criteria: Before beginning with the application process for your HDFC credit card, checking the eligibility criteria is a must. It will lower the chances of credit card application rejection and increase your chances of approval. 
• Check the Customer Support: Determine if the card you choose for your transactions is associated with round-the-clock customer support. This is beneficial as you can get instant help if you face transaction or card bill payment issues. 

Fees and Charges of HDFC Bank Credit Cards

Following are the annual fees associated with different types of HDFC Bank credit cards:

Apart from the annual fees, there are several other charges as well that are associated with the HDFC credit card. These include the following:

 HDFC Credit Card: Dos and Dont’s

Some of the things that you should do after receiving your credit card include the following:

• Know About the Bill Generation Date: You should know about the bill generation cycle for your credit card purchases. This will help you enjoy up to 45 days of interest-free period from the date of purchase.
• Go Through the Rewards to Avail Them: As soon as you receive your credit card, check the rewards associated with it. Once done, you can avail them to save more on costs. 
• Planning Your Credit Card Repayments: Make sure you already have a credit card bill repayment plan when applying for it or after receiving it. This will help you repay your outstanding credit card payments on time. 

Below are certain things that you must avoid when using your credit card.

• Using Your Card for Transactions on Fishy Sites: If you doubt the authenticity of the site you are shopping from, try not to use your credit card. As the site can hack your credit card details, resulting in various financial frauds. 
• Not Staying Alert About the Use of Your Card: You must use your card only when needed to pay for extensive amounts. Reckless use of credit cards can later make it challenging for you to repay the bills on time. 
• Missing out on Credit Card Bill Payment Date: Try to avoid defaulting on your credit card repayments. Remember, defaulting on your payments can result in a significant lowering of your credit score. 

The eligibility criteria and the process to apply for an HDFC credit card are simple, so everyone needing money can avail themselves of it. However, choose the right card and remember the dos and don’ts to reap the maximum benefits from your HDFC credit card. 

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