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| Best HDFC Credit Cards in January 2024: Apply Online |
Applying for an HDFC Bank credit card online is a convenient and easy process in 2024. HDFC Bank offers a variety of credit cards that are tailored to meet the needs of different customers, whether you want rewards points, cashback, lounge access, or other features.
Introduction
An HDFC Bank credit card can be useful for online shopping, booking travel, paying bills, and much more. With HDFC credit cards, you can build your credit score over time with responsible use. When applying online, be prepared with your personal details, income proof documents, and more to have the best chance of approval.
In this comprehensive guide, we will cover everything you need to know to "hdfc credit card online in 2024", including:
- Benefits of HDFC Bank Credit Cards
- Eligibility Criteria
- Types of HDFC Credit Cards
- Documents Required
- How to Apply Online in 2024
- Application Status and Tracking
- Credit Card Activation Process
- FAQs on HDFC Credit Card Application
Equipped with this information, you can smoothly navigate the online application process and get started with your new HDFC Bank credit card this year. Whether you want to earn rewards, get access to special deals, or build your credit, applying online is the fastest way to get your new card.
Benefits of HDFC Bank Credit Cards
HDFC credit cards come packed with features and benefits, including:
Cashback and Rewards
Many HDFC cards offer cashback on categories like fuel, groceries, dining out, etc as well as reward points on all other spending. These can be redeemed in the form of cash credits, merchandise, flight tickets, or more.
Welcome and Renewal Benefits
Cardholders get welcome and renewal gift vouchers worth thousands of rupees to popular brands and e-commerce platforms.
Insurance Coverage
Insurance benefits included cover air accident cover, loss of checked baggage, loss of card, etc depending on card variant.
EMI Schemes
You can convert high-value purchases into EMIs at low extra cost and repay over months instead of immediately.
Lounge Access
Higher-end cards get complimentary domestic and international lounge access - an invaluable benefit for frequent flyers.
With rewards earnings, savings on spending, and improved convenience, an HDFC credit card can be extremely useful if used properly.
Eligibility Criteria for HDFC Credit Cards
HDFC Bank has broad eligibility criteria to make their credit cards accessible to a wider range of applicants. Here are the key requirements:
- Age: You must be between 21 and 65 years old.
- Income: Minimum gross monthly income ranging from ₹15,000 to ₹40,000 depending on card variant. Income proof is required.
- Credit Score: HDFC generally approves applicants with credit scores above 750. Higher-risk applicants may require security deposits.
- Employment: Salaried or self-employed in private/public sector, government organization, etc.
- Location: You must be an Indian citizen residing in one of the major cities where HDFC operates.
Meeting these criteria ensures your application has sufficient credentials for approval based on the bank’s lending policies. Specific eligibility may vary across different credit cards so review card details before applying.
Types of HDFC Bank Credit Cards
HDFC offers an array of world-class credit cards based on your lifestyle, spending patterns, and preferences. Top variants include:
HDFC Bank Millenia Credit Card
The Millenia card offers features like 10X rewards on dining, entertainment, grocery spending, etc. Perfect for those with a high-speed lifestyle.
HDFC Diners Club Black Credit Card
For luxury travel, the Diners Black card offers unlimited lounge visits, airline vouchers, club memberships, and other premium perks.
HDFC Bank Moneyback Credit Card
With over 6% money back on fuel and 3% on groceries, this card saves maximum cash on everyday utility spending.
HDFC Bank Regalia First Credit Card
The flagship Regalia First card comes with exclusive golf course access, a personal concierge, and the highest rewards earnings rate at 2.5 per Rs.100.
HDFC Bank Infinia Credit Card
For globetrotters, Infinia offers fabulous deals on travel bookings via SmartBuy and other partnerships.
HDFC Bank Profit Credit Card
Business owners can manage expenses better with employee cards, business limits, expense automation, and GST invoices on this corporate card.
Whether miles, moneyback, retail therapy, or travel deals, HDFC surely has a credit card for every need and budget. Pick the one tailored to your spending habits for maximum savings.
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Documents Required for HDFC Credit Card
When applying, have soft copies of these documents handy for smooth processing:
- Identity Proof: PAN Card, Voter ID, Passport, Driving License
- Address Proof: Aadhaar, Passport, Rental Agreement, Utility Bills
- Income Proof: Latest Salary Slips, ITR, Audited Accounts, Bank Statements
- Photo: Soft copy of your latest passport-style photo
- Signature Proof: PAN card, Driver’s License, ID Card issued by Employer/School/College
Have updated documents to provide accurate personal details including full name, date of birth, phone number, residential address, etc. Invalid or inadequate documents lead to rejection so carefully assess what is needed before applying online.
How to Apply for HDFC Credit Card Online in 2024
The online process to get your new HDFC credit card is very straight-forward and can be completed quickly as long as you have all the required information handy:
1. Select Credit Card
Go through HDFC’s cards on offer and select the most suitable one based on your eligibility, preferences for rewards, fees, billing cycle, income requirement, and other parameters.
2. Start the Application
On the credit card page, click on the ‘Apply Now’ button and provide basic personal, employment, and income details first. Ensure information is accurate.
3. Provide Documents
Next, you will be prompted to upload soft copies of your documents - identity proof, address proof, photo, income proof, etc. Sources listed earlier like Aadhaar, payslips, etc work fine.
4. Make Payment
For non-annual fee cards, directly move to application submission. For others, pay an annual fee (which may be waived conditionally later) via UPI, net banking, debit card, etc to finish applying.
5. Application Receipt
You will receive an acknowledgment of the completed application via email and SMS immediately from HDFC Bank.
The end-to-end process takes less than 10 minutes in most cases. As an alternative to the online application, you can also apply directly at the nearest HDFC branch in person.
Checking HDFC Credit Card Application Status and Tracking
The final few steps for new card issuance may take 1-2 weeks in which your application is -
1. Received – Basic checks complete and app assigned unique reference number
2. Approved – Card approved based on verification of applicant details
3. Dispatched – Card ordered from production after approval and sent for delivery
4. Delivered – Card received by the applicant via post/courier at the registered address
To check what stage your application is at, utilize HDFC’s Application Tracking services:
Online Via Reference Number
Log in to your NetBanking account and under the ‘Application Tracking’ option, enter the credit card application reference number and view real-time status.
Via Phone banking and Customer Care
Call the HDFC PhoneBanking helpline or simply contact credit card customer care. Provide application details for an agent to assist.
Application status indicators will confirm if your application has been approved and is being processed further. If delayed or rejected, contact HDFC for clarification.
Activating Your New HDFC Bank Credit Card
As soon as a new credit card arrives via post in 7-10 working days, activate it quickly in two ways before first use:
SMS Activation
Send SMS “ACTIVATE <16-digit card number>” to 14440 from your registered mobile.
NetBanking Activation
Log in to HDFC NetBanking, go to the ‘Credit Card’ section, and activate the new card instantly.
After activation is successful, your new credit card is ready! Register for online access to manage the card, enable PIN for secure transactions, set preferences, and more features.
FAQs on HDFC Credit Card Application
Here are answers to some frequently asked questions for applying to HDFC Bank credit cards online:
How to increase credit card approval chances?
Maintain income consistency proofs for 6+ months, build credit score over 750, limit pending loans, and meet all eligibility criteria.
How much time does the approval process take after applying?
Online applications take 5-7 working days for approval after submission and document verification.
Can unemployed individuals get an HDFC credit card?
Applicants need to show a stable formal income source to demonstrate repayment capacity irrespective of employment status.
What is the HDFC credit card limit given?
Regular cards have ₹1-5 lakh limit initially based on eligibility. Premium cards can offer over ₹10 lakh limits. The exact credit limit is mentioned in the approval communication.
Conclusion
We have covered the A-Z process to apply online and successfully get your preferred HDFC Bank credit card issued. Identify the card most optimized for your usage and spending patterns to maximize savings. Use credit cards responsibly by paying bills fully and on time to avoid debt traps and credit score issues. Utilize your new HDFC card smartly and make credit work for, not against you!
