Joining fee
₹1,000 + GST
Annual fee
₹1,000 + GST (Waived on ₹1L spend)
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy & Zomato
- 1% cashback on all other spends including EMI & wallet
- ₹1,000 gift vouchers on spends of ₹1 Lakh per calendar quarter
HDFC Bank Credit Cards
The perfect HDFC Card for your lifestyle
Save more, earn 10X reward points, enjoy up to 10% cashback on Swiggy & top e-commerce, complimentary airport lounge access, and exclusive milestone benefits.
60+ cards
30+ issuing banks
100% digital
Lifetime free options
Trusted by leading
financial partners
Trusted by leading financial partnersHDFC BankICICI BankKotak Mahindra BankState Bank of IndiaIDFC FIRST BankHSBCFederal BankSouth Indian BankRBL Bank
Salary slab guide
Find the best HDFC card for your income bracket
HDFC Bank customizes its credit card suite by monthly earnings to maximize approval odds and rewards yield. Select your income band below.
Popular Cashback & Co-Branded
Accelerated Cashback on E-Commerce & Dining
The sweet spot for online shoppers, dining enthusiasts, and professionals seeking industry-leading cashback across merchant apps.
HDFC Millennia
5% Cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra & Uber
Annual Fee: ₹1,000 + GST (Waived on ₹1L spend)
Swiggy HDFC Card
10% Cashback on Swiggy + 5% on 1,000+ top online platforms
Annual Fee: ₹500 + GST (Waived on ₹2L spend)
Tata Neu Plus
2% NeuCoins on Tata brands + 4 domestic airport lounge visits
Annual Fee: ₹499 + GST (Waived on ₹1L spend)
HDFC Shoppers Stop First Citizen
Complimentary First Citizen membership + up to 6% reward points
Annual Fee: NIL (Lifetime Free)
Approval guidelines
HDFC Bank credit card eligibility criteria
Review the core eligibility requirements and official bureau rules below to ensure the highest chance of instant card approval.
Age & Nationality
21 – 60 years for Salaried; 21 – 65 years for Self-Employed individuals. Indian resident.
Minimum Income Benchmark
Net monthly salary > ₹20,000 for Salaried; Latest ITR > ₹6 Lakhs for Self-Employed.
Credit Score (CIBIL)
CIBIL Score of 730+ preferred. Scores of 750+ unlock instant digital approval & higher limits.
Active Credit Vintage
Active credit card or loan vintage of 6+ months with minimum credit limit of ₹30,000.
Factors That Boost Approval
- Ensure total overdue amount across all credit products is strictly NIL
- Maintain clean payment track record with zero 30+ DPD in the last 24 months
- Keep unsecured credit enquiries under 5 within the preceding 3 months
- Apply using your Aadhaar-linked active mobile number for fast video KYC
Common In-Principle Decline Triggers
- Re-apply within 90 days of an earlier HDFC card application attempt
- Apply with any written off, settled, or willful default status on your bureau
- Submit non-serviceable residential addresses or incorrect company names
- Apply if occupation type is student or retired (consider FD-backed card instead)
HDFC card suite
Explore top HDFC credit cards
All HDFC Bank credit cards
Best for: All spend types & lifestyles
Maximize rewards, earn 10X points, and enjoy up to 10% cashback on top merchants, lounge access, and exclusive milestone benefits.
Joining fee
₹2,500 + GST
Annual fee
₹2,500 + GST (Waived on ₹4L spend)
- 12 domestic & 6 international complimentary lounge visits per year
- Complimentary Club Vistara Silver & MakeMyTrip Black Elite tiers
- ₹1,500 quarterly vouchers on spending ₹1.5 Lakhs
Joining fee
₹500 + GST
Annual fee
₹500 + GST (Waived on ₹2L spend)
- 10% cashback on Swiggy food delivery, Instamart & Dineout
- 5% cashback on 1,000+ top online shopping platforms
- Complimentary 3-month Swiggy One membership on activation
Joining fee
₹1,499 + GST
Annual fee
₹1,499 + GST (Waived on ₹3L spend)
- Up to 10% back as NeuCoins on Tata Neu & partner brands
- 1.5% back on UPI spends with RuPay variant
- 8 domestic & 4 international complimentary airport lounge visits
Joining fee
₹3,000 + GST
Annual fee
₹3,000 + GST
- 1 Free Night Award + 10 Elite Night Credits on Marriott Bonvoy
- 12 domestic & 12 international complimentary lounge visits
- Silver Elite status and accelerated points on hotel stays
Joining fee
NIL (Lifetime Free)
Annual fee
NIL (Lifetime Free)
- Up to 7% reward value on Shoppers Stop private brands
- Complimentary Golden Glow First Citizen membership
- 1% fuel surcharge waiver across all fuel stations in India
How it works
Get your HDFC card in 3 simple steps
- 1
Personal Details
Name, mobile number, city, PAN, DOB and basic identity parameters.
- 2
Professional Details
Occupation type, monthly income details, employer name, and designation.
- 3
Instant Video KYC
Paperless digital address verification and 3-minute video KYC on official HDFC portal.
HDFC Eligibility
Who can get an HDFC credit card?
Age18 - 65 years
ResidencyIndian resident
IncomeVaries by card, from ₹10,000/month
Credit score650+ improves approval
LocationPincode serviced by the issuer
No credit history? Some banks offer secured cards against a fixed deposit, a good way to build your score.
Documents
Keep these handy for video KYC
PAN card
Mandatory for all credit card applications
Aadhaar or address proof
Passport, voter ID, driving licence, or utility bill
Photograph
Passport-size photo or selfie during video KYC
Income proof
Last 2–3 salary slips, bank statements, or ITR for self-employed
Fee & charges
Know HDFC fees and charges before you apply
Credit cards are free to use when you pay your full bill on time. Here are the charges that may apply
Joining fee
One-time charge in the first year, from ₹0 to ₹12,500+ (often offset by welcome benefits).
Annual fee
Yearly renewal charge from the 2nd year onwards, usually waived on meeting annual spend targets.
Finance charges
3% – 3.75% per month (36% – 45% p.a.) if you don't pay the total amount due by the due date.
Late payment fee
₹100 to ₹1,300 depending on the unpaid statement balance if minimum due isn't paid on time.
Cash withdrawal
2.5% – 3% of the withdrawn amount (min ₹300–₹500) plus interest from day one.
Forex markup
1.5% – 3.5% on international transactions (0% on select travel cards).
Over-limit fee
2.5% of the over-limit amount (min ₹500), charged only if you opt in to over-limit facility.
GST
18% GST applies on all fees, interest, and EMI processing charges.
Use it smartly
5 smart tips to manage your HDFC credit card
Pay the full bill, not the minimum
Paying only the minimum due (usually 5%) keeps your account active, but you lose the interest-free period and pay 36%–45% annual interest on the remaining balance.
Keep utilisation under 30%
If your credit limit is ₹1,00,000, try to keep your monthly statement under ₹30,000. Lower credit utilisation boosts your credit score.
Use the 45–50 day interest-free window
Big purchases made right after your statement generation date get up to 50 days of interest-free credit before the payment is due.
Never withdraw cash from an ATM
Credit card cash advances attract a 2.5%–3% fee immediately and start accruing daily interest from the moment of withdrawal.
Don't apply everywhere
Each credit card application triggers a hard enquiry on your credit report. Check eligibility first and apply only to 1–2 cards that fit your profile.
Approval boosters
- Choose a card that matches your lifestyle
- Review your statement every month
- Pay on time, every time: set up autopay
- Spend within what you can repay
- Use the interest-free period to your advantage
Avoid these triggers
- Pay only the minimum amount due
- Go over your credit limit
- Delay or miss payments
- Close your oldest card without thinking it through
- Treat your limit as extra income
HDFC Bank
HDFC Credit Cards FAQs
Clear answers to common questions about applying for and managing HDFC credit cards.
01What is the minimum monthly salary needed for an HDFC credit card?
01What is the minimum monthly salary needed for an HDFC credit card?
Entry-level cards like HDFC MoneyBack+ and Freedom require a net monthly salary of ₹20,000 for salaried applicants or ₹6 Lakhs annual ITR for self-employed individuals. Premium cards like Regalia Gold require ₹75,000+ monthly.
02How can I get the HDFC credit card annual fee waived?
02How can I get the HDFC credit card annual fee waived?
HDFC cards offer annual fee reversal when you reach annual spending thresholds — for example, ₹50,000 for MoneyBack+, ₹1,00,000 for Millennia, ₹2,00,000 for Swiggy HDFC, and ₹4,00,000 for Regalia Gold.
03What is the cooling period if my HDFC credit card application was rejected?
03What is the cooling period if my HDFC credit card application was rejected?
HDFC Bank maintains a 90-day cooling-off period between credit card applications. Re-applying within 90 days results in an automatic system decline.
04Does HDFC Bank support RuPay credit cards for UPI payments?
04Does HDFC Bank support RuPay credit cards for UPI payments?
Yes. The HDFC Bank UPI RuPay Credit Card and Tata Neu Infinity/Plus RuPay variants can be linked to Google Pay, PhonePe, Paytm, or BHIM for instant UPI QR merchant transactions.
05How long does HDFC Bank video KYC take?
05How long does HDFC Bank video KYC take?
The paperless video KYC takes approximately 3 to 5 minutes. You will need your physical PAN card, an Aadhaar-linked mobile number for OTP authentication, and a blank paper with a black/blue pen.