How to apply HDFC Credit Card online ?

Bank cards are of different types such as credit cards, debit cards and prepaid cards. A credit card is a plastic cash card used worldwide where money is lent by the providing bank at any point of sale, booking, or recharge; whereas a debit card draws the money from the existing saving/ salary account and close the transaction. Both have its own pros and cons, but credit cards come with an added advantage when there is a real need of money, even when one’s bank balance is nil.

HDFC bank offers a variety of banking solutions to customers and one of their most important services is the HDFC credit card. The facilities available in the HDFC credit card include flight bookings, hotel bookings, movie tickets, mobile / DTH recharge, online payments, online and offline shopping, fuel payments, cash withdrawal, etc. All this can be done through your HDFC credit card on time and the card payment can be made within the stipulated period.

The basic eligibility criteria to get an HDFC credit card are:

• The age of the applicant should be between 21 and 60 for the salaried and from 21 to 65 for self employed.
• The minimum salary criterion is Rs 2 Lakh for salaried and Rs 1.5 Lakh for self employed.

Each HDFC credit card comes with usability and a withdrawal limit. This varies from card to card, and depends on the income factor as well.

The basic Silver and Gold Credit cards are free for lifetime, while the platinum and other higher version credit cards come with a joining fee and an annual fee. The revolving charges vary from 3.05 to 3.25 %, when the payment due exceeds depending on the bill amount.

Benefits of HDFC Credit Cards

An HDFC credit card comes with many other tempting offers such as cashback systems, weekend bonanza, reward points, fuel surcharge waiver, priority pass, reward point redemption against flight bookings and much more. There are many types of HDFC credit cards available according to the customer requirement that range from regular, premium, super premium, co-brand, professional, Premium Travel, Premium women and cashback.

The other benefits of the HDFC credit cards are:

• Free interest period of 50 days from the date of purchase for Gold credit cards
• Zero liability on any fraudulent transactions on the card for Titanium, platinum and visa signature cards.
• 2 to 3 add-on cards can be obtained on the Primary credit card.

 

Applying for HDFC Credit Card

To apply for an HDFC credit card, you need to fill the “credit card online application form” and a representative will revert at the earliest for the verification and documentation purpose.

The documents required for a credit card application are:

• PAN card copy
• A valid Identity Proof
• An address proof.

Once the documents are verified, the credit card along with the new PIN number for cash withdrawal will arrive in 3-5 business days.

HDFC credit card process is easy and fast and beneficial and the bank also offers credit card net banking facility and a 24*7 customer service for online queries and support. Thus, HDFC bank provides better banking solution for a long term customer relationship.