Top Reasons Why Should You Get HDFC Credit Card

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HDFC Bank is one of the leading credit card issuers in the Indian market. You can find credit cards of each category with HDFC Bank from entry-level credit cards to super-premium credit cards covering lifestyle needs to travel needs. Among all the credit card issuers HDFC Bank is the one that has the humongous range of credit cards. 

HDFC Credit Cards


Getting a credit card is one of the most crucial decisions that you can ever make in your life, so it should be made with all due care. Begin with identifying your needs and spending habit and then compare the HDFC Credit Cards on the basis of them. Choose the one that matches them the most. You must be wondering whether taking an HDFC Credit Card would be the right decision or not. Keep reading to know the reasons why should you get an HDFC Credit Card.

  1. Wide range of credit cards: HDFC Bank gives you more choices of credit cards to choose from. You can compare the top HDFC credit cards to choose the most rewarding credit card that suits your profile the best. The more choices you get the more chances of you applying for the right credit card. 

  2. Signup bonuses: While comparing HDFC credit cards to other credit card issuer’s credit cards, you will see that HDFC Bank provides more welcome offers. Signup bonuses can include bonus reward points, cashbacks, gift vouchers, complimentary membership, movie tickets, etc.

  3. Reward Rate: HDFC credit cards are surely a bundle of reward points. You can earn reward points, cashbacks, Miles, travel points, and much more under the Rewards Program of the HDFC credit card. Rewards programs differ from credit card to credit card, and you can make the most out of a credit card only when you know which transactions let you earn rewards in return. You can vouch for the HDFC MoneyBack Plus Credit Card at Rs. 500 and earn 2 CashPoints on every Rs. 150 spent on retail purchases and accelerated CashPoints as well on the selected spend categories. 

  4. Reward Redemption: The easier is to earn reward points on an HDFC Credit Card, the more easier is to redeem them. You can redeem your reward points towards purchasing products from the product catalog, booking flights/hotels/movie tickets, etc. 

  5. Travel Benefits: HDFC Bank also has a complete line of travel credit cards that are specifically designed for travel purposes. But generic credit cards also provide the travel benefits such as complimentary lounge access. If you do not want to spend more to get a credit card that is truly designated for travel then you can take a generic one that lets you enjoy the travel benefits with shopping and other benefits.

  6. Other Benefits: On an HDFC Credit Card, you also get to enjoy other benefits like add-on credit cards, movie & dining benefits, insurance benefits, and so on. The benefits are not over yet, the credit cardholders also get access to the HDFC SmartBuy portal through which they can enjoy the discounts and offers on various partner merchants. 


Bottom Line:

To summarize, why wouldn’t one want to take a credit card that has so many features and benefits. Even entry-level credit cards offer quite rewarding offers and benefits. After choosing the credit card you can either apply for it online or by visiting the nearest branch and submit the credit card application along with the required documents. Just remember to adhere to the timely repayment cycles and maintain a low credit utilization ratio in order to build a good standing account. 

Additional Reading: Your Go-to Guide To Managing A Good Credit Score!

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