HDFC Visa Signature Credit Card Review

HDFC Bank is one of the top credit card providers in India, and they have a very wide variety of credit cards. And the HDFC Visa Signature Credit card comes from the travel credit card segment. It is actually a low-cost credit card for travellers specially curated to take care of your comfort during travel. You will get free membership of the priority pass program, reward points on everyday expenses, lost card liability, and up to 50 days of interest-free period. More details of the card are given below. 

Who are eligible for hdfc credit card

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 4 lakh.
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 760) is needed to apply for this card. 

Required documents to apply for credit card of hdfc bank:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Fee:

  • Joining Fee: Will be calculated at the time of application. 
  • Annual Fee: Will be calculated at the time of application. 

You can pay hdfc credit card bill instantly via net banking or mobile banking account. But if you don’t want to go online, then you can make hdfc credit card payment through neft , cheque, or by visiting your nearby HDFC branch. You can find the hdfc credit card neft payment details from our FAQ page

Benefits:

  • Reward points on everyday credit card usage:

You will be rewarded for every transaction you make with this card. For each Rs. 150 transaction made with this card, you will get 2 hdfc credit card reward points. 

These reward points in hdfc credit card are extremely useful, you can use them for flight and hotel booking, you can convert them into cash, you can also use them to get a product from the reward catalog. Just fill-up the hdfc credit card cash redemption form and mail it to the hdfc credit card settlement email id given below.

  • Free domestic and international lounge access:

This card comes with a 99$ hdfc priority pass membership. It gives you access to above 600+ domestic and international lounges and over Rs. 8300 savings on lounge access free per year. 

As per new credit card regulations, the online hdfc bank credit card payment option is turned off on new credit cards, but you can turn it on very easily from your hdfc netbanking credit card account. You can find the complete process can be found on our FAQ page

  • Freedom from fuel surcharge:

If you use this card for fuel purchase, you will get up to Rs. 8300 savings on fuel surcharges. This offer is available at any fuel station in India. 

  • Opportunity to make your card lifetime free:

On spending Rs. 15000 within the first 90 days of your card activation, you can get a complete waiver on your first-year joining fee. Also, if you can spend Rs. 75,000 within a year, you will get a complete waiver on your next year’s annual fee. 

You can check your available hdfc credit card limit by calling the hdfc credit card phone banking number. The numbers can be found on the HDFC official website.

  • Lifetime free add on card for your family:

HDFC bank lets you add 3 of your family members with your card as add-on members so that they can also enjoy the advantages of a credit card

  • Lost card liability coverage:

HDFC has offered the protection of the lost card liability coverage on this card. So if you ever lost your card, just inform it by calling the hdfc customer care number for credit card and, you will no longer be liable for anything bad that may happen to your missing card. 

  • Automatic bill payment option:

HDFC Bank has an automatic bill payment system called, SmartPay, if you enable the HDFC credit card facility from the hdfc credit card android app . All your utility bills will be paid automatically from your credit card within their due dates. You can get this hdfc credit card service turned off or on from the hdfc net banking credit card account. 

  • Easy application process:

HDFC bank offers a seamless application process for its customers. You can apply for this card very easily from the official hdfc credit card website or just by visiting your nearby HDFC branch

Once your credit card online application is submitted you will get an application id, you can use it or the registered mobile number to track your hdfc credit card application status online

Once the credit card application is approved you can also track your hdfc credit card dispatch status using the tracking id which you will get in your registered email or mobile number. 

  • Security of the advanced EMV chip:

This card comes with an advanced EMV chip. These chips use a very strong encryption method, which makes your card much more secure than before. But fraudulent transactions can happen anytime, so if you notice something unusual with your credit card account, then report it as soon as possible to the hdfc credit card settlement department.

You can also file a dispute against a particular credit card transaction. The complete hdfc credit card settlement procedure can be found on the 100xGain FAQ page. You can download the hdfc credit card dispute form online from the HDFC credit card form center

Details of credit card charges:

Particulars Payable Amount 
Cash Withdrawal Charge If you use your HDFC credit card for cash withdrawal you will be charged 2.5% against the transaction amount (min Rs. 500)
Finance Charges The HDFC credit card interest rate is 3.6% monthly or 43.2% annually.
Foreign currency conversion charge 3.5% against the transaction amount.
Add-on card fee Free for a lifetime.

Contact Details:

  • Call the hdfc credit card toll free number: 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the email address of hdfc credit card : [email protected] 

If you don’t want to continue with your old credit card account, then you can cancel your old credit card very easily. The Process of cancelling hdfc credit card account is discussed on the 100xGain FAQ page

100xGain Ratings: 

7/10

Final Opinion:

As said before this is a low-cost credit card for travelers , and as expected from a low-cost credit card this card lacks some premium travel features like exclusive credit card offers on flight tickets , concierge service, etc. But it comes with a complimentary priority pass membership, fuel surcharge waiver, reward points on every credit card transaction, lost card liability coverage, etc.

So if you want some premium travel benefits at an affordable rate, then this card will be a very good option for you. You can also visit the 100xGain top 10 travel credit card page to find out the best credit card for yourself. 

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