How To Get HDFC Credit Card In 2022

About HDFC Bank

The full name of HDFC Bank Is Housing Development Finance Corporation Limited. This bank offers personal loans as well as home loans, business loans, vehicle loans, etc. HDFC Bank is India’s largest private bank in terms of assets. This bank is the 10th largest bank in the world in terms of capitalization. About 150000 employees work in this bank. The bank has the highest number of branches in Mumbai and New Delhi.

What is HDFC Credit Card

Before applying for a credit card, you should know what a credit card is, friends credit card allows you to pay immediately, it is a financial instrument that is useful for you in an emergency. You have to pay the amount of credit card you use throughout the month on the 5th of every month. This gives you credit limits so that you can’t use it much.

Credit limits are based on your CIBIL and your credit history and income. After this, the eligibility for the credit card is checked. If you are able, you are given a credit card. There are online and offline ways to apply for a credit card. Many types of credit cards are given to people. Which are different according to their needs. With the help of a credit card, you get interest-free money for 20-50 days. Which you get the benefit of.

Types Of HDFC Credit Cards

There are three types of HDFC credit cards. You can choose one of these credit cards.

MoneyBack+ Credit Card
Millennia Credit Card
Regalia Credit Card

1. MoneyBack+ Credit Card

The benefits and features of MoneyBack+ Credit Card are as follows:

On every 3 months you buy 50,000 rupees, you get a voucher of ₹ 500 for free and in 1 year you can get free vouchers up to ₹ 2000.
If you buy up to ₹ 50000 in 1 year, then you are waived off the renewal charges.
You can also convert large expenses made with MoneyBack+ Credit Card into EMI.
HDFC Credit Card also gives you the option to pay with WiFi, in which you can make transactions up to Rs 50000 anywhere in India without a PIN.
It offers 10X Cash Points on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy.
You get 5X cash points on business spends.
Get the benefit of 2 cash points at Rs. 150 on other spends.
A voucher of Rs 500 is free for spending Rs 50,000 in three months.
Up to 15% discount will also be available in 2000+ premium restaurants in select cities.
If your MoneyBack+ credit card is lost and you report to the bank within 24 hours, you will not have to make any payment if you take a card again.
You get money without interest for 50 days after taking this card.
HDFC MoneyBack+ Credit Card holders also get the benefit of revolving credit at very low interest.
If you buy fuel up to ₹ 5000 then you get the benefit of 1% surcharge.
You also get a renewal benefit of Rs 500.

2. HDFC Millennia Credit Card

HDFC Millennia Credit Card is a CashBack Credit Card whose benefits and features are as follows-

Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato get 5% cashback on payment through HDFC Millennia Credit Card.
Transactions through EMI and wallat give a cashback of 1%.
Every three months, you get a cashback of one thousand rupees for a transaction of one lakh rupees.
Up to 20% cashback is available at partner restaurants.
If your HDFC Millennia Credit Card is lost and you report to the bank within 24 hours, then you will not have to make any payment on taking a card again.
You get money without interest for 50 days after taking this card.
HDFC Millennia Credit Card holders also get the benefit of revolving credit at very low interest.
If you buy fuel up to ₹ 5000, then you get the benefit of 1% surcharge.
You are given access to 8 complimentary domestic lounges for free.
You are given a free dining program at the best premium restaurants in the city.
When you make a membership payment, you get 1000 cash points.
You also get a renewal benefit of Rs 500 on a transaction of one lakh in the entire year.
Whatever expensive expenses you make with this card, you can convert them into EMI.
You get the facility to make Wifi payment up to Rs 50,000. In which you do not have to put a PIN.

3. Regalia Credit Card

Regalia Credit Card is a kind of reward card. In which you get the following benefits –

You get the benefit of 12 complimentary lounges in India and 6 complimentary lounges in foreign countries.
If you spend Rs 5 lakh, you get a record point of Rs 10,000. In the same year, a reward point of Rs 5,000 is received for spending Rs 8 lakh.
There are 4 reward points for 150 rupees spent normally.
If your HDFC Regalia Credit Card is lost and you report to the bank within 24 hours, then you will not have to make any payment on taking a card again.
You get a cashback of 2% on all your overseas expenses.
Regalia Credit Card holders also get the benefit of revolving credit at very low interest.

Eligibility For HDFC Credit Card

At the time of applying for HDFC Credit Card, you have to keep the following things in mind, only then you will be considered eligible for HDFC Credit Card-

For Salaried-

Be an Indian citizen.
Age should be more than 21 years.
Monthly income should be more than 20,000.

For Self Employed–

Be an Indian citizen.
Age should be more than 21 years.
Annual income should be 6 lakh rupees more.
To apply for a Millennia Credit Card, your monthly income should be Rs 35,000.
To apply for a Regalia Credit Card, the monthly income should be 1 lakh rupees.

Documents Required For HDFC Credit Card

To apply for an HDFC Credit Card, you must have the following documents. With the help of these documents, you can also apply online. And you can also apply by going to the nearest branch of HDFC Bank –

Identity Proof (Voter ID, Driving Licence, PAN Card)
Address Proof (Electricity Bill, Aadhar Card, Rental Agreement)
Income Proof (Payslips)
ITR (If you are Self Employees)

How to apply for HDFC Credit Card

There are two ways to apply for an HDFC Credit Card. Which is as follows –

HDFC Credit Card apply online

To apply for HDFC Credit Card online, you have to follow the following steps –

First of all, go to the official website of HDFC.
On the home page you will see the credit card option. Click on it.
Now the credit card list will open in front of you.
Select one of these cards and proceed.
Click on the Apply Online option.
Now the form will open in front of you, which is filled with the correct information.
Now you submit the final form. After this, the bank staff will contact you.

How to apply offline?

First of all, go to the nearest branch of HDFC.
Ask for this credit card form.
Fill the form and submit it to the branch by putting the necessary documents with it.

In both cases, the bank staff will check your account. And if eligible, you will be issued a credit card.