Introduction The aim of applying for a credit card is to secure financial security for short term basis. People do not have cash with them all the time. Some times for urgent and emergency need, people often do not have money to meet the urgent requirement. Credit card can help the people in paying bills, Ticket booking, shopping online as well as offline. Even people can withdraw cash from ATMs in urgency. bills can be paid within 20 days from billing date. Billing is done every month at a fixed date after one month shopping. Credit card is boon if used judicially and the bill is paid on time.
How to apply online You can visit the official website and visit the HDFC credit card application page to open the online application window.
Fill all the fields and submit. A representative from bank will come to collect required documents such as address proof, copy of PAN card, copy of Aadhaar card, pay slip, two photograph. Verification will be carried out of your residence/ work place. After some time, you will get the credit card. Go to any HDFC ATM and activate your card and change your initial PIN. Now you can enjoy online shopping, bill payment, fuel refilling etc.
Type of card There are the following types of cards:
Entertainment Cards-Exclusive entertainment benefits on Movies, Dining etc.
Cashback Cards- benefits like Cashback, additional reward points on dining.
Reward Cards- for the frequent shoppers.
Lifestyle Cards-premium Credit Cards for International Travel/ Hotels.
Women's Cards- shopping and lifestyle benefits exclusively for Women.
Credit Card Eligibility For HDFC Bank credit card eligibility,age group is 21-65 years. Minimum monthly income should be Rs. 18,000 or above.
Benefits Credit cards can help us in paying bills, Ticket booking, shopping online as well as offline. Even we can withdraw cash from ATMs in urgency. It provides 50 days' credit to pay bill. The credit cards from HDFC Bank are accepted worldwide. It enables you to carry out cashless transactions. Credit cards can provide you many benefits. You can redeem the points online and can also help you build your credit score.
Risk The risk of card/ crucial information stolen is there. It may cost you a lot. So avoid any such threat. You must keep your crucial information and card numbers / PIN secret and do not reveal these to anybody. Pay your bill on time. If the bill is not paid on time, heavy penalties will be imposed. Your CIBIL score will become low. If your CIBIL score is low you will not get home loan and other types of loan.
Security of card It is very important to have security of your credit card, credit card number, cv no., date of expiry, PIN and name on the card. These all data is crucial to carry out transactions. If your card/ crucial information is stolen, the thieves can carry out the transactions. Billing will be done in your name. You have to pay the bill. To avoid any such threats, you must keep your crucial information secret and do not reveal to anybody. If your card/ crucial information is stolen, immediately block your card by calling to the customer care no. 1800 425 4332 . You can find the customer care no. of your city by visiting this link customer care contacts list
HDFC Bank Limited,
HDFC Bank House, Senapati Bapat Marg
Lower Parel (W), Mumbai - 400 013.
Tel: 91 - 22 - 6652 1000