The bank name ‘HDFC’ has been in the market since the year 1994 and is known for its easy, fast, convenient, safe, and secure payments. This bank is trusted by lakhs of users across the world. Thinking of getting a credit card? Why not try an HDFC Credit card for smooth transactions and multiple benefits and privileges. HDFC Bank Credit cards have always made a statement and a reputation in the market. There are numerous credit cards that the bank offers and is varied as per the needs and priorities of the customer. Imagine getting complimentary lounge access, discounts when staying at the Marriott hotels, one plus one buffet at ITC, and many more. Now, who wouldn’t like to get hold of all these privileges right?. Here are multiple benefits of having an HDFC credit card.
1. WELCOME BENEFIT
Now, who doesn’t like warm welcomes right? When you join an HDFC Credit card membership, you get multiple welcome benefits with it. If you get the HDFC Diners ClubMiles card you will get 1,000 reward points as soon as you pay your joining fees. On the other hand, you will get 500 reward points if you opt for the HDFC Moneyback card or the HDFC Bank Freedom credit card.
2. REWARD POINTS,CASHBACK & REDEMPTION
HDFC Bank’s credit card is a total joy when it comes to the benefits, cashback, and reward points. It offers you reward points or cashback whenever you make a transaction. When you opt for an HDFC Infinia credit card or the HDFC Diners ClubMiles credit card, the bank offers you 4 reward points on every Rs 150 spent. Now that you have spent enough points and want to redeem it to buy something for yourself, no need to worry about where you’ll be able to spend them because of the HDFC SmartBuy Program. Smart buy is a platform for e-commerce where it displays various offers and deals for HDFC customers. It ranges from travel, entertainment, travel bookings, etc. You can redeem your reward points on Smartbuy – where deals get better and make the most out of it. However, if you have a cashback credit card then the cashback will be reflected in your account as soon as you make the given transaction.
3. LOUNGE ACCESS
This is the feature that will be loved the most by frequent travelers as with HDFC Premium Credit cards, you get complimentary airport lounge access when flying domestically or internationally. There are a few credit cards that are accepted only at the domestic terminals but nothing to worry about as there are also a few credit cards that accept both domestic and international terminals, so when traveling, food and rest are two things that are completely taken care of by your favorite bank.
4. MOVIE & DINING BENEFITS
When the weekend comes after those long working days, you just feel like relaxing and making the most out of those two days. How about watching a movie and a sumptuous meal afterwards? That does sound relaxing right so when you have an HDFC Credit card you can avail benefits on entertainment, dining out, etc. If you have a Titanium Times Credit card you get 25% off on movie tickets on book my show. On dining, you get a 1+1 weekend buffet at participating ITC Hotels when you have the HDFC Infinia Credit Card, Regalia Credit Card, and many more. An important thing to note is that all these benefits vary on different credit cards.
5. FUEL SURCHARGE WAIVER
The holders of HDFC credit cards can avail 1% fuel surcharge on all fuel transactions. However to avail this benefit the transaction made should be of a minimum of Rs 400.
6. FEE WAIVER
There is another good news for the HDFC Credit card users is that the first year fee of Rs 500 will be waived off if you open a current or a savings account within three months of card approval when you get an HDFC Bank Moneyback card, the same deal can be availed if you wish to get the HDFC Bank Freedom credit card if you open a CASA account.
7. PROTECTION AND INSURANCE
HDFC Credit cardholders also offer insurance in case of an unfortunate event. In case of accidental air death, the bank covers up to Rs 3 crore, or in case of hospitalization overseas it covers charges up to Rs 50 lakhs. There is also another privilege that the HDFC Premium Credit cardholders get is the global personal concierge which includes reservation assistance, airport VIP service, event planning, golf booking, and much more. You can get to know more about the details by checking their official website here.
Now with all these benefits and privileges that the HDFC bank provides to its credit cardholders, it’s a little tough to say no to HDFC when compared with other banks. HDFC Bank provides absolutely everything you can think of and is here to serve you with the best. This bank is here to make your life easy with its various options depending on your preference and priorities. From dining out to fuel purchases to traveling internationally HDFC provides you everything in just one card. You can apply for an HDFC credit card sitting at home and avail all the privileges and benefits that the bank is providing, but before doing that do check your credit score, eligibility criteria, and if you have the required documents for it.