How To Apply For A HDFC Credit Card: The Ultimate Guide

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What is an HDFC credit card?

A credit card is a payment instrument that allows a person to make payments for goods and services with the help of credit. In simple terms, it is a very flexible instrument that allows you to make use of credit for all kinds of purposes, with the aim of making purchases.

Unlike a credit card that offers some attractive rewards, an HDFC credit card is a credit card that is unique in the sense that it can be used only for making a purchase.

HDFC credit card offers a range of benefits to its customers. It is an extremely popular card in the country, owing to the unique advantages offered to its customers. It is a reward card, a card that allows you to earn attractive rewards on purchases. There are certain rules that you need to follow to get the maximum benefits offered on the card.

Who can apply for HDFC Credit Card?

Those who have a good credit score can easily apply for the card. And since you can avail a maximum limit of Rs. 50 lakh from HDFC Bank Credit Cards, the applicants should have a good credit score to be able to apply for a card. For example, a borrower with a good credit score can enjoy the benefits of a balance transfer and a zero-down payment on an existing car loan.

Is it necessary to have a good credit score? No, it is not necessary for you to have a good credit score to avail of a credit card from HDFC Bank. However, this does not mean that you need to make your credit score really excellent before applying for the card.

If you have been disputing some loans from banks then it is advisable for you to approach HDFC Bank and explain your case.

How to fill up the HDFC credit card application form?

For filling up the HDFC credit card application form, you will require two documents for yourself, i.e., your PAN card and address proof.

Though the maximum application limit is Rs. 15,000, the bank allows you to apply for a credit card amounting to up to Rs. 20,000. Applicants are required to fill the form on HDFC Bank’s official website and pay the application fee.

Step 1: Go to HDFC Bank’s official website and click on the homepage search bar.

Step 2: Click on the ‘Apply Online’ link on the left side of the page.

Step 3: Enter your PAN card details and your name and address proof in the fields provided.

Step 4: Now, fill in the necessary details and click on Submit button.

Step 5: Once you have paid the application fee, your application will be processed and you will receive a call.

Steps to activate your card

1. You can apply for an HDFC credit card from any HDFC Bank branch by filling the application form with all your relevant personal information like name, address, contact number, Aadhaar number, PAN number, etc.

2. On receiving your application, a customer care executive would either contact you on your mobile number or mail you to confirm your account opening. If you receive any call regarding the account opening, you should answer the call and press the ‘6’ (decision answer) on your touch screen.

3. After confirming your account opening, your personal details will be registered on HDFC Bank’s online platform. The online registration process will take around 15 minutes.

How to get a digital copy of your credit card?

HDFC credit cards come with great benefits that can be useful even with monthly payments. Hence, you will need to get a digital copy of your credit card.

Here are the steps you can follow to get your digital copy. –

Download and fill out your credit card application form on your mobile phone –

Download your digital copy of your credit card by logging into HDFC’s website –

Make sure your smartphone is running on a stable network to avoid receiving a message that your internet connection is not available –

Click on the link provided to download your digital copy of your credit card – Download and take a printout of the application form and your digital copy of your credit card. Keep these documents safe in a safe place.


HDFC Bank is the largest private sector bank in India, offering a wide range of credit products to the bank’s customers. With a rich history of serving its customers, this brand is dedicated to providing excellent banking solutions to customers.

if you are looking for the best credit card that offers lucrative rewards to the customers, you are at the right place. HDFC Bank has got you covered.