HDFC Credit Card Benefits: Today in India more than 7.7 crore people are using credit cards. In which more than 1.70 crore people are using HDFC Credit Card. According to RBI, HDFC Bank has the highest number of credit card users in the country.
In such a situation, it becomes important to know what is there in the HDFC Bank credit card that makes people more inclined to get the card of this company. We will understand whether the benefits of HDFC Credit Card are more or less than others only after reading this article completely.
In this article, we will not only give you information about the benefits of HDFC Credit Card, we will also tell you about the features of HDFC Credit Card.
If you have any HDFC credit card or are thinking of making a credit card, then this article can prove to be very helpful for you. This Article Will Help You Choose a Better Credit Card.
What is HDFC Credit Card?
HDFC Credit Card is a plastic card given by HDFC Bank which looks exactly like an ATM card but in this, pre-approved credit limit is provided to the cardholders, that is, a fixed loan amount is given to the cardholders which can be used. In case the customer does not have money, he can do so.
HDFC credit card benefits
There are many benefits of having HDFC Credit Card. We will give you information about 11 tremendous benefits of HDFC credit card.
1.Insurance facility
More than 7 types of insurance are available on HDFC Bank’s credit card. These insurances are given on different HDFC cards. HDFC also provides accident insurance to its cardholders, whether it is an air accident, bus or train. HDFC Offers Credit Card Insurance
But to avail the benefits of this insurance, it is important to read the HDFC terms and conditions. We are telling you a condition for taking insurance. HDFC’s insurance facility can be availed only when you have booked the tickets with HDFC’s credit card. There are many other conditions as well. Accident insurance up to Rs. 1 crore can be available on HDFC credit card.
2.Cash back and reward points
Cashback and rewards points are available on different credit cards of HDFC Bank. Maximum cashback of 5% can be availed on HDFC Bank credit card and reward points up to 3% can be availed. Many HDFC credit cards offer more reward points per Rs 150 spent compared to others. You get 4 rewards when you spend Rs 150 on multiple cards.
3.Waiver of fuel surcharge
HDFC has issued credit cards in association with many oil providing companies. One percent fuel surcharge waiver is also available on these credit cards. On these HDFC credit cards, you can fill up to 50 liters of fuel for free annually.
4.Facility of annual fee waiver
Although annual fee is charged on all the credit cards of HDFC, but HDFC gives the facility to its cardholders that if they continue to spend from the credit card on the account set by the company, then their annual fee will be waived. To be honest, you easily spend more money than the transaction limit set by the credit card company. Thus, no annual fee of any kind is charged from you.
5.Zero Liability Security
Zero liability protection is provided on many credit cards of HDFC. You don’t have to pay any separate fee for this. HDFC stands with you in case of any type of fraud on your credit card. He makes every possible effort to provide security on your fraud transactions. To avail this facility, you must have knowledge of the terms and conditions of HDFC. Only then can you avail the benefit of this facility.
6.Automatic payment facility
HDFC offers you the facility of automatic payment on all its credit cards. You will have to turn on the option of automatic payment only once to pay the bill through your credit card and the next time your bill comes, payment will be made automatically through your credit card. This can prove to be very beneficial in automatically paying your electricity bills and OTT platform bills.
7.Expenses tracker
On HDFC credit card, you get the option to track every month’s expenses. You can track your expenses with the help of credit card statement. Apart from this, information will also be given in the statement that money has been spent on things of yours.
8.Free lounge entry
On many HDFC cards you are also given free lounge entry. Many cards come with up to 12 free lounge entries a year. This includes domestic and international lounge access.
9.Up to 25% discount on premium restaurants above Rs 2000
On many HDFC credit cards, cardholders get a discount of more than 25% at premium restaurants. 1+1 benefit is also given on buffet in 200+ restaurants. Additionally, 5% off is also given.
10. Smart EMI option
Smart EMI option is available on almost all HDFC credit cards. HDFC credit card provides the facility to easily convert large transactions into EMI. You have to pay very little interest on EMI. Apart from this, the option of No Cost EMI is also available on purchasing the product through credit card.
11.Contactless transaction facilities
If you have an HDFC credit card, you can transact your daily expenses just by touching the credit card with the POS machine. For this you will not need to enter PIN again and again. Although contact less transactions are possible only up to a limit, but by using this facility you can save a lot of time every day.
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