A Credit Card is among the most efficient ways to make payments, whether it’s for booking a movie ticket, buying pricey electronics or a smart piece of jewelry, online shopping or at a local store, recharging your phone, or paying your energy bill. HDFC Credit cards provide all these functions that are quite simple to avail.
Several credit cards issuers are providing distinct credit cards in abundant categories and hence, it can be confusing to make a selection decision. To help you make a judicious decision, here are some of the key HDFC Credit Card benefits that may entice you to go ahead with the credit cards provided by this issuer:
Hassle-free application:
To apply for an HDFC Credit card, you do not need to stand in long queues or go through hefty paperwork. Everything you need to do is completely online. You can apply for HDFC Credit cards via their official website or mobile application in merely 3-4 easy steps.
HDFC also provides relaxed eligibility criteria which makes credit cards feasible to many segments of society. The basic eligibility includes a certain age limit, minimum income, and nationality.
Enticing Rewards Program:
HDFC Credit cards earn you attractive rewards in almost every category. Along with expenditures made on shopping, traveling, entertainment, etc., you can also earn rewards on your day-to-day minimal spending such as grocery shopping, utility bill payments, and more.
HDFC Credit Cards also lets you earn accelerated rewards in two ways:
- Spendings made on a certain specific category such as on travels, food, etc.
- Spendings made on the purchase of certain brand items: accelerated rewards due to brand partnerships or collaborations.
Welcome & Milestones benefits:
On signing up you get to enjoy many HDFC Credit Card benefits such as welcome bonuses which can be in the form of reward points, gift vouchers, discount coupons, etc.
Milestone benefits are more like an HDFC Spend-based offer, i.e. on reaching a certain amount of expenditure, you get certain bonus points.
Travel benefits:
The travel reward program of HDFC Credit cards is among the promising ones. You get complimentary lounge access, priority passes, discounted hotel stays, air miles, dining discounts, fast luggage, and many more top-class facilities which will make your travels a delightful and pocket-friendly experience.
Categorical options:
You get many categories of credit cards with HDFC, to select what is best for you, go ahead and compare HDFC Credit card range available. Below-mentioned is some of the top categories along with top HDFC Credit cards in that category:
- Travel Credit Cards: HDFC 6E Rewards XL
- Lifestyle Credit Cards: HDFC Regalia Credit Card
- Super-premium credit cards: HDFC Infinia Metal
- Fuel Credit Cards: IndianOil HDFC Bank Credit Card
- Business Credit Cards: HDFC Business Regalia Credit Card
Protection and Safety:
When you will compare HDFC Credit Cards benefits, you will come to know that HDFC takes utmost care of the cardholder’s protection and safety. Here’s how HDFC ensures the credit card’s safety:
- Insurance: The credit card secures you and your card against many unforeseen happenings like loss, theft, etc.
- Zero Lost Card Liability: In case your credit card is lost or stolen you are not liable for any transaction made with your card after the mishap if you inform the bank about the loss within 24 hours of such incident.
- IVR 3D Secure: Extra password security for transactions conducted using Interactive Voice Response or a mobile app.
- Online Safety: You can set a unique password for online transactions that adds an extra degree of protection.
- OTP Secure: Get OTP Checkout to get a one-time password on your registered mobile phone.
HDFC SmartBuy:
HDFC SmartBuy is an e platform dedicated solely to displaying merchant deals provided to HDFC Bank customers. On HDFC SmartBuy you can carry on multiple activities like flight or train ticket booking, movie tickets booking, shopping on platforms like myntra, Flipkart, etc., and can get exclusive offers for extra savings on these activities.
Additional Reading – Tips To Compare Credit Cards Wisely