HDFC Bank Credit Cards

You can apply for an HDFC credit card through multiple channels: online through the HDFC Bank website, through RupeeFunda, by visiting an HDFC Bank branch, or through the HDFC Bank mobile app. You'll need to provide your personal details, income information, and required documents. Once submitted, your application will be processed, and upon approval, your card will be delivered to your registered address.

After submitting your application and all required documents, HDFC Bank typically takes 7-10 working days to process your application and deliver the credit card. The timeline may vary based on verification processes and your location. You can check your application status online through the HDFC Bank website or by contacting customer service.

You can redeem HDFC credit card reward points through the HDFC Bank mobile app or website. Log in to your account, navigate to the rewards section, and choose from options like merchandise, gift vouchers, flight tickets, hotel bookings, or statement credit. You can also convert points to air miles with partner airlines or use them for cashback on your statement.

The credit limit for HDFC credit cards varies based on your income, credit score, and the type of card you apply for. Entry-level cards typically offer limits starting from ₹50,000, while premium cards like HDFC Diners Club Black may offer limits of ₹8 lakhs or more. HDFC Bank periodically reviews your account and may offer credit limit increases based on your spending and repayment behavior.

You can pay your HDFC credit card bill through multiple channels: HDFC Bank website or mobile app, net banking, UPI, NEFT/RTGS, ATM, cheque payment at drop boxes, or auto-debit from your bank account. Payments can be made before the due date to avoid late payment charges and interest. You can choose to pay the minimum amount due or the total amount due based on your convenience.