HDFC Bank offers a variety of HDFC Bank shopping credit cards designed to enhance your retail experience. These cards provide benefits such as accelerated reward points on shopping categories, exclusive discounts on partner brands, cashback offers, and additional perks like fuel surcharge waivers and annual fee reversals.
Cashback Programs: Earn cashback on various spending categories.
Dining Discounts: Exclusive offers at partner restaurants.
Entertainment Offers: Discounts on movies and events.
Fuel Surcharge Waiver: 1% waiver on fuel transactions (conditions apply).
EMI Conversion: Convert large purchases into manageable EMIs.
Earning: Earn cashback on every spend, with higher rates on select categories.
Redemption Options: Cashback is typically auto-credited to your account or can be redeemed against statement balance.
Redemption Fee: A nominal fee may be applicable on each successful redemption.
Identity Proof: PAN Card.
Address Proof: Aadhaar Card, Passport, Voter ID, Driving License, or Utility Bills.
Income Proof: Latest salary slips, Form 16, or Income Tax Returns.
Photograph: Recent passport-sized color photograph.
Click on “Apply Now” and fill in the required details.
Choose your preferred shopping credit card.
Click on “Apply Now” and fill in the required details.
Upload necessary documents and submit the application
Joining Fee: ₹0 – ₹1,000 (depending on the card variant).
Annual Fee: ₹0 – ₹1,000 (waived on annual spends meeting specified thresholds).
Finance Charges: Up to 3.6% per month (43.2% per annum).
Late Payment Fee: Varies based on the outstanding amount.
Overlimit Fee: 2.5% of the overlimit amount, subject to a minimum of ₹500.
Approval chances shown on LoanSafar.com are not guaranteed approvals. These estimates are calculated by comparing your credit profile (based on information you provide) to data from other users who were approved by the same lender, or by checking if you meet certain criteria set by the lender.
While these insights may help you make smarter choices, final approval always depends on the lender’s internal policies. You may still be denied a loan or credit card if You don’t meet their income or employment verification standards or You already have the maximum number of accounts with that lender Or you don’t pass their “ability to pay” assessment
We’re here to help you compare offers more confidently — but remember, the final decision always rests with the lender.