There are many benefits of HDFC Credit Card that cardholders can enjoy. These benefits include cash back, rewards points, and a 0% interest rate on balance transfers and purchases for a certain period of time. HDFC Credit Card also offers a variety of other perks, such as travel insurance, concierge services, and exclusive access to events and experiences.
A credit card is a convenient financial product used for everyday purchases such as gas, groceries, and other goods and services. It can also be a great resource for purchasing big-ticket items such as TVs, travel packages, and jewellery because the funds for these items are not always immediately at our disposal.
With HDFC Bank credit cards, you can receive rewards points or cashback on purchases and other perks like free admission to lounges, free rounds of golf, meal discounts, and cinema tickets at no cost.
Benefits of HDFC Credit Cards
- Wonderful Reward System
Every time you purchase with your HDFC credit card, you accumulate reward points that may later be exchanged for fantastic deals and substantial discounts. Yes, we do realise you enjoy receiving prizes. With the HDFC Bank Diners ClubMiles Card, you may earn four reward points for every Rs. 150 spent at specific online partner websites, which is guaranteed to put a smile on your face. Apart from that, most e-commerce sites provide easy EMI alternatives for Credit Cards from reputable institutions like HDFC Bank, ensuring that your purchasing experience is first-rate.
- Wonderful Travel Benefits
HDFC credit cards are particularly alluring to frequent travellers since they offer a variety of travel benefits like lounge access, baggage allowance, free flight tickets, extra air miles, and much more. Even though we may not wish to travel for a while (unless it is really necessary), we can always get ready for future holidays and work trips. The HDFC Bank Diners ClubMiles Card provides an alluring air miles programme where one reward point = 1 air mile. At 700+ lounges in India and overseas, you can take advantage of free lounge entry (up to six times).
- Credit with no interest
One fantastic feature of HDFC Bank credit cards is the grace period between a transaction and the repayment deadline, during which the bank does not charge interest. If you sustain 4 card transactions per month for the first three consecutive months of use, the HDFC Bank Diners ClubMiles Card can be used as a LIFETIME-FREE Credit Card. (given that there is a 500 rupee minimum transaction value). Then what? If you create a new current or savings account, you will not be charged the Rs. 1,000 first-year fees.
Similarly, if you create a current or savings account within three months of the card’s acceptance, the HDFC Bank Moneyback Card’s Rs. 5,000 first-year charges will be waived. The HDFC Bank Freedom Credit Card offers the same benefits if a CASA account is opened, so that you may confirm that.
Another advantage of having an HDFC Bank credit card is that your CIBIL score rises each time you use it for a transaction and complete your payments on time. Along with several additional offers that banks exclusively extend to customers with excellent credit histories, this makes you eligible for less expensive and quick loans.
- Fuel Offers
If your transaction is between Rs. 400 and Rs. 5,000, the HDFC Bank Freedom Credit Card will waive 1% of the fuel surcharge every time you fill up at a gas station. A 100% fuel surcharge waiver is offered if you choose the HDFC Bank Moneyback Card (up to Rs. 250 per billing cycle).
The HDFC Credit Card App is a great way to manage your finances and make sure you are getting the most out of your credit card. With this app, you can track your spending, set up budget goals, and see all of your transactions in one place. You can also use the app to pay your bill, view your statements, and contact customer service. Whether you are new to using credit cards or a seasoned pro, the HDFC Credit Card App is a valuable tool that can help you stay on top of your finances.