HDFC Bank Credit Card – Upcoming Change, Eligibility, How to apply for it?

HDFC bank credit cards are going to see  new changes in the credit card rules. The changes will be applied on several credit cards transaction types and fees applied on the transaction that are made by any third party apps. The changes in the credit cards of HDFC are going to apply from August 1, 2024.

HDFC Bank Credit Card

Credit card holders of HDFC bank are going to see a few changes in the terms and conditions of credit cards from 1 August, 2024. The new major changes that an individual face apply only for educational expenses, rental and fuel transactions, and in many other transaction types.

Transaction using the third party apps like Paytm, Mobikwik, freecharge and CRED is going to charge 1 percent fee if your transaction fee is capped at ₹3,000 per transaction. Any Insurance transaction is free from the new changes and fees.

It is a big relief for Individuals with a special purpose. If any individual wants to get an Easy-EMI facility he needs to pay a processing fee of ₹299. Candidates can get this option online or offline stores.

For the Tata Neu Infinity and Tata Neu Plus, HDFC bank also introduced the new reward structure. By using the qualifying UPI transactions made by TataNeu UPI ID, Individuals will get 1.5% Neucoins. However, individuals who have a Tata Neu Plus credit card are going to get 1% Neucoins if he made any UPI transactions by using Tata Neu Plus UPI ID.

Upcoming changes in the HDFC Bank Credit Cards

The upcoming changes apply to the different transaction categories. Some of them are listed below.

• Fuel transactions: Transaction below or equal to ₹15,000 will be free from any fee but if an individual crosses this transaction limit then he will pay 1% fee on the per transaction amount capped at ₹3,000.
• Educational Transaction: Due to the changes educational transaction is going to face a 1% fee on the per transaction amount capped at ₹3,000 if you made any transaction through third party apps. It is important to know that there is no transaction fee if you made it directly through school or college website or with their POS machines.
• International transaction: if an individual makes  international or cross currency transactions then the per transaction is going to apply 3.5% markup fees.
• Utility transaction:  There are no transaction fees that are going to apply  on payments less than ₹50,000 due to the changes in the utility transactions but transactions which cross this limit will see a  1% fee on the per transaction amount capped at ₹3,000.
• Rental transaction: if an individual makes a Rental transaction through CRED, Paytm, Mobikwik, and freecharge (also known as third-party apps) then according to the upcoming changes he is going to spend 1% fee on the per transaction amount capped at ₹3,000.
• Rewards Redemption: According to the new changes individuals need to pay a redemption fee of ₹50 If the Redeeming reward for Cashback (statement credit).
• Finance Charges: Individuals who use the revolving credit facilities a  finance charge of 3.75% monthly is going to apply from the transaction date till the outstanding amount is cleared. The finance charges are going to be the same monthly at 1.99% for a few credit cards such as infinia, BizBlack Metal, diners black, etc.

What are the upcoming changes in the late payment fees?

Based on the outstanding amounts, the late payment fee structure is going to be amended by HDFC bank officials. The transaction fee ranges between ₹100 to ₹1300. The below table shows the outstanding amount and revised fee or charges.

Who is eligible to get a HDFC bank credit card?

If you want to get the HDFC bank credit card you need to fulfill the eligibility requirements. The eligibility basically depends on your credit card for which you are going to apply. Some common eligibility requirements are listed below.

• Age: Interested individuals must be at least 18 years old.
• Employment status: Individuals must be a Salaried individual, Self-employed individuals in a business owner.
• History of Credits: You need to possess a good credit score or history is required. It shows that you handle your credits very well.
• Income limit: HDFC bank put some income limit that you need to follow while applying for a specific credit card. There are different income limits for different type of credit cards.
• Residential Status: Candidates must be a resident or citizen of India or you may be a non resident of India (NRI).

How to apply online for HDFC bank credit cards?

If you satisfy the eligibility requirements of HDFC bank for the credit cards then by following the below step by step guide you can apply for the HDFC bank credit card.

• Navigate to the HDFC official website at
• Choose the credit card that you want to apply for.
• Hit the apply online button.
• Check your eligibility for the selected credit card.

• Enter all the required details such as your name, address, email, employment status, etc. in the required sessions.
• Attach all the required documents such as aadhar card, proof of income, valid passport, etc.
• Verify your entered details and then submit your application form for credit card.