₹CardSwipe
← All cards
HDFC Bank
Credit Card
Visa
HDFC Bank

HDFC Bank Credit Card

★ 4.2 / 5 ⓘ How we rate

Not sure which HDFC card? Apply once and HDFC matches you to one

✅ Verified Oct 2026 from HDFC Bank's official terms →

Fee: Varies🎁 Depends on the card
Apply Now — it's free → 🔒 You'll apply on HDFC Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🏦
India's largestcredit card issuer
🎯
Matched to youbased on your income & profile
📱
Apply onlinepaperless KYC
👤
Perfect for

Anyone who wants an HDFC card but can't decide which one

Key benefits

  • One application — HDFC suggests the card that suits your income and spending
  • Cards range from cashback (Millennia, Swiggy) to travel and premium cards
  • Online shopping discounts and offers through HDFC SmartBuy
  • Dining and lifestyle offers across partner merchants
  • Manage everything in the HDFC MyCards / PayZapp app
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • No need to pick a card yourself
  • Wide acceptance and strong offers
  • Large range of upgrade options later

Good to know

  • You don't choose the exact card
  • Fees and rewards depend on the card you get

Quick facts

Fee waiverDepends on the card HDFC offers you — many have spend-based waivers
Lounge accessDepends on the card
Min. income₹15,000+/month (varies by card)
Age21 – 60 years
Credit score720+
NetworkVisa / Mastercard / RuPay
Forex markup2% – 3.5% (by card)
Joining feeVaries

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup2% – 3.5% (by card)
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

You may also like

Roarbank RuPay Credit Card
Roarbank × Unity SFB RuPayLifetime Free
Flipkart Axis Bank Credit Card
Axis Bank Flipkart₹500/yr
Flipkart SBI Credit Card
SBI Card Flipkart₹500/yr
SBI Cashback Credit Card
SBI Card Cashback₹999/yr
Axis Bank
Cashback
Visa
Axis Bank Cashback₹1,000/yr
Axis Privilege Credit Card
Axis Bank Privilege₹1,500/yr

❓ HDFC Bank — common questions

Is the HDFC Bank Credit Card lifetime free?

Fees vary by variant — check the latest fees on the bank's page.

What rewards does the HDFC Bank Credit Card give?

Depends on the card. One application — HDFC suggests the card that suits your income and spending.

Who is eligible for the HDFC Bank Credit Card?

Minimum income: ₹15,000+/month (varies by card). Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.

Does the HDFC Bank Credit Card give airport lounge access?

Yes — Depends on the card.

What is the forex markup on the HDFC Bank Credit Card?

2% – 3.5% (by card) on foreign currency spends (plus GST).

Who should get the HDFC Bank Credit Card?

Anyone who wants an HDFC card but can't decide which one.

Explore🛍️ Shopping Cards🌱 First Credit Card🔷 HDFC Bank Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

HDFC Bank Credit CardApply in ~5 min
Apply Now →