New Delhi: HDFC Bank credit card application online process allows individuals an opportunity to apply for credit cards in a simplified manner. HDFC Bank credit card application starts with choosing the right credit card. To choose the right credit card, assess your monthly expenses, spending habits and requirements. Nowadays, there are credit cards available for a variety of needs from travel to movies and online shopping.
How to apply for HDFC Bank credit card online
Visit the HDFC Bank credit card section
Check the credit card suggestion widget
You will have to enter your occupation, annual income and ineterest
Under interest, the bank lists lifestyle, travel and fuel.
Now, click on suggest credit cards.
HDFC Bank will share a list of suitable credit cards for you. The minimum salary for credit card eligibility shown by the card suggestion widget is Rs 6 lakh.
Check the documents you are required to submit with your application
These include proofs of address, identity and income. Existing HDFC Bank customers may nit be required to submit these documents.
You can apply online or through an HDFC Bank ATM.
The credit card will be issued based on background verification and you will be assigned a spending limit based on your income and credit score.
Your credit card most likely bears an annual fee, which is likley to be waived off if you meet the annual spending requirements.
Check the documents you are required to submit with your application
These include proofs of address, identity and income. Existing HDFC Bank customers may not be required to submit these documents.
Your credit card most likely bears an annual fee, which is likley to be waived off if you meet the annual spending requirements.
HDFC credit card features
HDFC credit card users can avail of the following features:
EMI facility: HDFC Bank credit card users can convert transactions worth a minimum of Rs 2,500 into EMIs.
Contactless payments: HDFC Bank credit card users can make contactless payments via NFC technology for faster checkouts using POS machines. They can fix the amount cap for such payments.
Foreign currency markup: HDFC Bank credit cards charge a lower fee for transactions made while travelling abroad.
Insurance cover: HDFC Bank credit card offers insurance coverage to users worth lakhs of rupees for airline accidents and hospitalisation.
Revolving credit: HDFC Bank credit card users can use the revolving credit facility by paying the minimum due. However, this facility should be used carefully to avoid falling into a debt trap.
Airport lounge visits: HDFC bank credit card users can access airport lounges subject to meeting spending milestones to qualify for the same in every quarter.
No lost card liability: HDFC Bank credit card users must inform the bank promptly to avail of the waiver on fraudulent transactions and to report lost cards.
UPI payments: HDFC Bank offers RuPay creit cards with functionalit for merchant payments via UPI.
HDFC Bank credit cards: Know how to apply for HDFC bank credit cards, check your eligibility and features offered by the bank. Personal Finance Business News – Personal Finance News, Share Market News, BSE/NSE News, Stock Exchange News Today
