HDFC Credit Card

The HDFC Bank Credit Card is built for people who want flexibility, not fixed reward rules. Instead of a standard rewards setup, it lets you decide how you earn and use your points, so the benefits actually match your lifestyle.

Whether you spend more on online shopping, food orders, travel, or OTT subscriptions, this card adjusts to the way you pay. With UPI support, you can make fast and secure payments directly from your phone—no need to carry your card everywhere.

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Features and Benefits

Aspects that make spending using this card lit as the sun!

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

Welcome Bonus

Amazon Voucher worth ₹500 on 1st txn
Swiggy One free for 3 months



Zero Lost Card Liability

Zero liability after reporting
24x7 assistance
Immediate card block



Milestone Benefit

Earn 1000 points on ₹15,000 monthly spend
Flat 3% on select merchants
Up to ₹6,000 annual benefit



Fuel Surcharge

1% waiver
Valid ₹400-₹5,000
Max ₹250/month



Reward Points

3 RP per ₹100 spent
4X rewards on UPI spends
Use points as cashback



Emi Benefit

EMI conversion for spends above ₹2,500
Low-interest rates
Instant EMI with partners

Fees and Charges

Category	Details
Joining Fee	Free
Annual Fee	Free
EMI Conversion	Yes
Reward Type	Reward Points

Eligibility Criteria for IDFC Credit Card

You must be an Indian citizen, aged between 21 and 60-65 years.

Income: Salaried ya self-employed persons with minimum income requirement. (e.g. ₹25,000/month or above.)

Good credit history / CIBIL score.

KYC documents: PAN, Aadhaar, address proof etc.

Documents Required to Apply

Once you’re sure you meet the eligibility, keep these documents handy to complete your application quickly:

Identity Proof (Any one): PAN Card, Aadhaar Card, Voter ID, Passport

Address Proof (Any one): Aadhaar Card, Utility Bill (electricity/gas/water), Passport

Income Proof (Any one): Latest salary slips (salaried), Bank statement, ITR (self-employed)

Photograph: One recent passport-size photo

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