With many individuals suffering the dip in the economy, it’s become more important than ever to have a reliable credit card that allows you to get the most value for your money. With a HDFC Bank credit card, you finally can. It offers exclusive rewards and rebates you simply cannot resist. Read on to learn how you can apply for a HDFC Bank Credit Card.

HDFC Bank Credit Card

HDFC offers an extensive range of credit cards that have a wide array of features and benefits that will surely fit any lifestyle. One of the bank’s most basic offerings is the MoneyBack Credit Card. The MoneyBack Credit Card (available in both Mastercard and Visa) offers all the regular functions of a standard card with the exception of having generous rebates and an excellent rewards program. When requesting this card, it’s best to know exactly what this credit card has in store for you…

HDFC MoneyBack Credit Card Features and Benefits

You will surely enjoy being part of the HDFC reward points program. Here, you can earn 2 reward points for every Rs 150 spent. You can even double your reward points when you use your MoneyBack credit card for online transactions.

On top of this, as a welcome benefit, you will be given 500 reward points and a renewal benefit of 500 reward points!

This credit card also allows rewards points to be redeemed as CashBack against the outstanding amount on your credit card. As a cardholder, you can also use these points to claim airline miles, exciting gifts, gadgets, appliances, shopping gift certificates, luxury gift cards, and much more.


The HDFC MoneyBack Credit Card also features a Fuel Surcharge waiver which gives you a 1% discount on your fuel transactions.

Even better, this credit card provides interest-free credit for up to 50 days of purchase from select partner establishments!

Applying for the HDFC MoneyBack Credit Card

Applying for a HDFC Bank Credit Card is easy and fairly straightforward. Simply fill out the application form on their website. Interested applicants should also be working or self-employed and with a minimum monthly income of Rs 18,000. Applicants should also be between the ages of 21 and 65 to apply.

The main documents required when requesting a HDFC MoneyBack credit card include: proof of address, proof of identity, proof of income, pan card, and a passport-sized photo.

After submission, the bank will analyse the credentials forwarded to them. If approved, HDFC will determine the credit card limit based on your financial status. To help you keep track of your application, simply visit their website.

Want a value-for-money credit card to shop online, earn rewards & receive discounts? The HDFC Bank Credit Card offers all this & more. Here's how to apply.

HDFC MoneyBack Credit Card Fees

Owning your own credit card comes with a lot of responsibilities. To let you understand the charges and fees you need to pay, let’s take a look at the HDFC MoneyBack Credit Card once more.

The first-year membership fee and the renewal membership fee both amount to Rs 500 each plus applicable taxes.

Meanwhile, the annual percentage rate (APR) for this credit card is 40.8% p.a.

There is also a cash advance fee of 2.5% of the amount withdrawn and a late payment charge ranging from Rs 100 to 700.

Overall, the HDFC Bank Credit Card provides a wealth of benefits designed to help you get your cash back from your everyday spending. For more information, visit the HDFC website.

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Hannah is an Australian nomad and the Founding Editor of StoryV Travel & Lifestyle. After finishing her studies in Business Administration Hannah took off to Thailand with her father for a life-changing volunteer experience that shaped the way her future panned out. The day she returned home she took up 3 jobs and booked her next ticket out. 3 months later she had quit the rat race completely and was off to Thailand once more - this time, on her own. Little did she know, that solo adventure would lead her to meet the love of her life and go on to explore the rest of the world as a digital nomad. With a thirst for experiencing unfamiliar cultures in exotic destinations around the world, Hannah most enjoys chasing sunsets, lazing on tropical beaches and getting lost among a myriad of crooked buildings and small alleyways. Follow her adventures on Twitter and Facebook!