HDFC Bank Credit Card: A Comprehensive Guide
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HDFC Bank Credit Card Benefits: A Rewarding Journey
HDFC Bank credit cards offer a plethora of benefits designed to enhance your lifestyle and maximize your spending. From exclusive reward points to cashback offers and complimentary airport lounge access, there's something for everyone. Let's delve into the key benefits that make HDFC Bank credit cards a popular choice:
Exclusive Reward Points: Earn valuable reward points on every purchase you make, which can be redeemed for a variety of exciting rewards like gift vouchers, merchandise, and more.
Cashback Offers: Enjoy cashback on your online spends across popular merchants like Amazon and Flipkart, making your shopping experience even more rewarding.
Complimentary Airport Lounge Access: Experience comfort and convenience with complimentary domestic and international airport lounge access, making your travel experience hassle-free.
Welcome Benefits: Get rewarded with welcome benefits upon card activation, including gift vouchers, discounts, or other exciting offers.
Vouchers on Minimum Spending: Meet the minimum monthly spending criteria and receive vouchers or discounts on a variety of products and services.
EMIs for Transactions: Break down your large purchases into smaller, more manageable EMIs, making it easier to afford your dream products.
With these impressive benefits, HDFC Bank credit cards offer a rewarding and convenient way to manage your finances and enjoy a luxurious lifestyle.
HDFC Bank Credit Card: Who Should Apply?
Eligibility Criteria:
To be eligible for an HDFC Bank credit card, you must meet the following criteria:
- Age: 21 to 60 years (salaried) or 21 to 65 years (self-employed)
- Minimum Income: Rs. 20,000 per month (salaried) or Rs. 6.0 lakhs per annum (self-employed)
- Regular Income: You must have a stable and regular source of income.
Documents Required:
To apply for an HDFC Bank credit card, you will need to submit the following documents:
- Proof of Identity: PAN card, Voter ID card, or Passport
- Proof of Address: Aadhaar card, Passport, or latest utility bills (not older than 3 months)
- Proof of Income: Bank statement for the last 6 months or salary slips for the last 3 months
A Step-by-Step Guide to Applying for an HDFC Bank Credit Card
- Click "Apply Online": Click on the "Apply Online" button to proceed.
- Enter Personal Details: Enter your name, gender, date of birth, email, company name, and designation.
- Check Best Offers: Click on "Check Best Offers." The page will take a few seconds to show the best offers based on your credit history.
- Upload Income Proof (if required): If you're not eligible for any credit card offers, you'll need to upload income proof for evaluation. Click on "Continue" to manually upload documents.
- Upload Documents: Salaried individuals should upload bank statements for the last 6 months or 3 months payslips. Self-employed applicants need to upload ITR for the last 3 years with computation of income.
- Review Credit Card Offers: The offer page will display available credit card offers based on your eligibility. Click on "More benefits" to know all the features, benefits, and charges of the card.
- Apply for the Card: Click on "Get the card" to apply for your desired card.
- Enter Address and Income Details: Enter your office address, income details, and CKYC number.
- Complete KYC: Choose one of the three KYC options: Video KYC, Biometric KYC, or uploading documents.
- Complete Video KYC (if chosen): If you opt for video KYC, you'll be redirected to the link for the same. Video KYC is available from 10 AM to 12 Midnight on all days. Give consent for using Aadhaar information for KYC purposes, enter the OTP received on your Aadhaar-linked mobile number, confirm your mailing address, agree to the terms and conditions, and click on "Submit and Verify" followed by "Start Video KYC Now."
- Upload Documents (if chosen): If you opt to upload documents, choose the document you want to upload and then upload it.
HDFC Bank Credit Card Fees and Charges
Joining Fee: ₹500/- + Applicable Taxes
Renewal Fee: ₹500/- + Applicable Taxes
Frequently Asked Questions about HDFC Bank Credit Cards
1. What is the minimum age required for an HDFC Bank credit card?
Individuals must be at least 21 years of age to be eligible for an HDFC credit card.
2. How long does the application process take?
The application process for an HDFC credit card can typically be completed within 15 minutes. However, the exact time may vary depending on factors such as the specific card you're applying for and the volume of applications being processed at the time.
