HOW TO USE HDFC CREDIT CARD

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  • How to Apply for an HDFC Credit Card
    • Click on the‘ Apply Now’
    • Compare colorful HDFC Credit Card offers to find the stylish one for you.
    • Submit an online usage form for the card that you have chosen along with some particular details and HDFC Credit Card Document.
    Still, the card will be issued to you after it’s approved, If you fulfill the HDFC Credit Card Eligibility.

Eligibility to Apply for a HDFC Credit Card?

  • HDFC Bank has set the following eligibility criteria for helping its Credit Card establishment
  • The candidate can either be salaried or self- employed.
  • Aspirant should be in the age group between 21 ages to 60 ages if salaried or between 21 ages to 65 ages if self- employed.
  • Should have a stable income.
  • candidate should submit income evidence, address evidence, business evidence, and Photo ID.

Credit score should be over 750.

Fee & Charges of HDFC Credit Card
• Then’s a list of service charges associated with your HDFC Credit Card. Still, the fees and charges may vary between different types of cards. You can call HDFC Credit Card Client Care for complete details.

Type of Charges Charges Details

  1. Interest Free Period Up to 50 days
  2. Interest Rate3.49 per month
  3. added Card charge Free
  4. Cash advance charges2.5 of the measure
  5. Cash processing charge Rs. 100
  6. Price redemption charge Rs. 99 per request
  7. Foreign currency deals Charges3.50
  8. Balance transfer charges 1 of the measure or lowest Rs. 250
  9. Reissuance charge Rs. 100
  10. Payment return charge 2
  11. Cash advance limit 40 of the credit limit
  12. Overlimit Charges2.50 of the overlimit measure
  13. Card backup ChargeRs. 100

Documents Needed for HDFC Credit Card Application
For Salaried workers
• 2 photos of the candidate in passport size.
• ITR records from the last two periods.
• Evidence of identity similar as the candidate’s Passport/ Visage Card/ Voter ID/ Driving License
• Evidence of Domestic Address similar as Registered Rent Agreement/ Leave and License/ Mileage Bill of at least three months/ Passport.
• Evidence of Income similar as last six months’ payment slip, Form 16 of two periods, Bank statement of preceding six months (that reflects payment is credited or EMI is debited).

For Self- Employed
• 2 photos of the candidate in passport size.
• Evidence of identity similar as the candidate’s Passport/ Visage Card/ Voter ID/ Driving License.
• Evidence of Domestic Address similar as Registered Rent Agreement/ Leave and License/ Mileage Bill of at least three months/ Passport.
• Evidence of Business like GST/ Service Tax Registration/ company’s objectification details/ Address evidence of the business/ accounts and balance sheets showing profit and loss statements which have been certified by a CA/ the evidence of the business’ actuality/ a dupe of the partnership deed and business profile.

How to Pay HDFC Credit Card Bill Online
You can make payments towards your HDFC Credit Card using different options
• Netbanking Use your credit card number as the grantee account number to transfer finances.
• Mobile Banking Download the HDFC mobile banking app and make payments from your smartphone.
• Cheque Drop a cheque at any HDFC collection centre at least 10 days before the due date.
• Cash Make a cash payment towards the loan at your nearest HDFC branch

How to use HDFC Credit Card (Tips & Advice)
To make the stylish HDFC Credit card use, today are some simple tips .

• Pay the full outstanding quantity on or before your due date.
• Avoid using your HDFC Card to make cash withdrawals unless it’s an zero hour.
• Don’t use the full available credit each month as it reflects inadequately on your CIBIL report.
• Don’t make fewest payments as it’s the easiest way to get entangled in credit card debts.
• Use your credit card only when needed. Or make sure you keep track of the payments made using your card.
• Noway expose your credit card details to anyone over mail, SMS, or phone calls.

Balance Transfer How to use the BT point and what are the Benefits?

  • With HDFC Balance Transfer on EMI facility supplied by HDFC Bank, you can easy transfer your other bank’s credit card balance to HDFC at seductive rate of interest. You can conclude for low EMIs without any hassle of proof. It’s a quick and easy system to clear your outstanding card volume, through a BT to your Credit Card. Pay EMIs as low as Rs. 27 per Rs. and repay in easy instalments of 9 to 48 months.
  • You can check your eligibility for this establishment by logging into HDFC NetBanking & Click Cards → Credit Cards → Transact → Balance Transfer On EMI. You can also call HDFC’s PhoneBanking round the timer

 

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