hdfc credit card

HDFC Credit Card Queries Doing The Rounds These Days


HDFC Bank, without a doubt, is one of the premier lenders offering a wide range of credit cards to suit varied consumer needs. There are shopping cards, travel cards, fuel cards, reward cards, entertainment cards, and so on. While applying for a credit card be it of HDFC or any other lender, one would most probably look for the reward programme, cashback offers, lounge accessibility, etc.

Of late, customers are raising several queries regarding HDFC Credit Card. These include the mode and status of application, type of payments offered, statement, besides the usual queries on reward points and cashback. Let’s check out these queries in this article.

HDFC Credit Card Apply

You can apply for a credit card both online and offline, depending on your comfort. To apply online, you shall visit the official website of HDFC Bank and go to credit card section to see many cards with their respective benefits, fees and charges. Apply for the one that would have in it to meet your needs by clicking on ‘Apply Online’ right under the card. You will get to a new page asking you to input your personal and income details. After entering these details and the captcha code, you must click on ‘Submit’ button. Your application will thus reach the HDFC desk using the same.

HDFC Credit Card Application Status

The application status can be checked online by clicking on ‘Track Your Card’ upon visiting the bank’s website. After that, a new page will appear asking you to enter any of Application Reference Number/Application Form Number/Date of Birth and Mobile Number. At the last, you need to click on ‘Submit’ button to know exactly the status of your credit card application – approved, pending or rejected.

HDFC Credit Card Statement

A credit card statement tells a lot about the shopping behaviour you may have portrayed, besides showing the total due, minimum due and others. Every single detail of your shopping would be shown on the statement. So, the responsibility then lies with you in checking the correctness of the details mentioned in the statement.

HDFC Credit Card Bill Payment

Paying bills on time is a prerequisite for a good credit health as you get free from unnecessary late payment charges, interest and taxes. You can thus login to HDFC Internet Banking and add your credit card to the list of billers. You need to mention the details of your credit card correctly while adding it online. You can even set an Auto Pay to get the bills paid automatically from your bank account on or before the due date, relieving you from the last minute rush. Even though it’s an Auto Pay, you will receive an SMS much before the due date showing the total dues and minimum due. You can thus keep sufficient balance in the account to ensure the payment is made on time.

HDFC Credit Card Reward Points

HDFC Credit Cards offer a wide range of reward points on both online and offline shopping. Doesn’t matter if it’s point of shopping at retail stores or buying movie tickets online, the bank’s credit cards offer a flurry of reward points to ensure you save and smile big. Some of the best reward cards that HDFC has to its credit include the following –

  • MoneyBack Credit Card
  • Regalia
  • Diners Club Black
  • Platinum Times Card
  • Others

MoneyBack Credit Card

Earn 2 reward points on spending 150, with 2X reward points applicable to online purchases. Rewards accumulated on insurance transactions will be capped at 2,000 per transaction. These points can be redeemed as cashback with 100 points equaling to ₹20.


Earn 4 reward points for spending every ₹150. You can even get 15% discount at over 3,000 restaurants across India. In addition, exciting travel offers such as complimentary lounge visits and airline membership programs would make you sign to this car.

Diners Club Black

5 reward points can be earned spending every ₹150. Plus, a discount of 15% at more than 3,000 restaurants will make you eat outside more than usual.


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