HDFC Credit Card comes with benefits in multiple categories like -travel, shopping, rewards, etc. HDFC Credit card is suited to cater to all needs of the customer. From basic entry-level cards like -Money Back and Millennia, they have a premium range of cards as well like- Infinia and Diners club black. To take maximum benefit of the card one should use that card which suits its lifestyle. Using the right card will save you a substantial amount of money when you shop, travel, and dine. Some of the renowned HDFC credit Cards are HDFC Regalia Credit Card, HDFC Millennia Credit Card, HDFC Regalia Gold, and many more.

HDFC Credit Card Features and Benefits

Mentioned below are the features and benefits of the HDFC Credit Cards:

EMI Conversion – By using the HDFC Smart EMI facility users can get an option to break a big-ticket transaction into small EMIs. The payoff period of installment would be between 3 to 24 months.

Loan On Credit Card – HDFC offers loans on credit cards under Insta Loan and Insta Jumbo loan facilities. The eligible loan amount and interest rates, however, vary from user to user.

Balance Transfer – If the user has some outstanding credit card from some other provider and finding it difficult to repay. Then HDFC provides an opportunity for the user to pay it in easy installments without any finance charges.

Link HDFC RuPay Credit Cards To UPI – Users can now use their HDFC RuPay Credit Cards on BHIM UPI and all other UPI-enabled apps. Therefore, users will be able to make UPI payments if they don’t have enough funds in it.

How to Apply for an HDFC Credit Card?

A Credit card is no longer a luxury, it has become an accessory in your wallet. The credit card brings a lot of convenience to customers in the form of discounts, interest-free period, Cashback, and reward points. Following are the steps to get a Credit Card:

Choose Your Credit Card – Every bank offers dozens of credit card options. You have to select which is best for you depending on the benefits it will give you. Some credit cards are best suited for a traveler, some are for entertainment, and others might be great for business.

Apply Your Credit Card – You have to get all the documents ready that will be required – A bank will usually ask for identity, address, and income proofs. If you are an existing customer that may not be necessary.

You can apply online or offline, by visiting the nearest bank branch with all the required documents.

Activate Your Card – After your credit card application is approved, the credit card will be dispatched to your mailing address. A PIN (personal identity number) is usually couriered to you separately, whereas the Green PIN is sent to your registered mobile number. You will need the PIN to authenticate any transaction you do on your Credit Card. 

How to check the Application Status of an HDFC Credit Card?

Credit cards have become a norm globally, with almost all individuals having one credit card or 2 credit cards. Credit cards are necessary to manage income and expenses. Credit cards should be chosen only after proper research, the user should visit the bank’s website on which he wants to buy a credit card. There are multiple avenues to check credit card application status. However, before you check your credit card application status, you should keep the following information ready:

  • Credit Card application number
  • Credit Card Reference Number (If applicable)
  • PAN Card/ Mobile Number
  • Date of Birth 

Most of the banks use the above-mentioned things to judge whether the person checking is genuine or not. If you talk about the past, the credit card was a novelty no one knew about the ways to track application status. But now things have changed as banks have gone digital, they have been able to track application status through advanced technology. Earlier if someone wanted to know the application status he had to chase a bank executive and do multiple visits to the bank. But now it’s available at the click of a button. Today, you can track your application status irrespective of your location without wasting time and energy. For example, if you want to check your HDFC Credit Card Application Status then you can check the same easily through any of the means below:

Using Net banking – The user has to visit the authentic website of the bank, there he will see the option of “Track My Credit Card Application Status” or in some other cases you will find the tracking option in the card section only. Users have to click on that, after which a form will open requesting them to enter their Credit Card Application/ Reference Number, Mobile Number, or Date of Birth/ PAN Card depending on your bank processes. At last, you have to click on Check Credit Card Application status to know the current status of your credit card.

Once approved by the bank, the Bank dispatches the card to your registered mailing address within a couple of working days.

Offline or Through Bank’s Customer Care Representative – If you don’t want to check the application status online then offline method is available, in which you have to call Bank Representative. He will ask you about your application number/ reference number, mobile number, and date of birth check the system for the current status, and let you know.

Offline via SMS Alerts – If you have registered yourself for SMS banking, then banking will send you an SMS when it will dispatch the credit card. You can get information about the delivery agent/courier and the Airway Bill (or Tracking) number. Once approved by the bank, it will send your credit card to your registered mailing address within a couple of days.

Offline by visiting the nearest bank branch – If you have access to a bank branch, then you can visit the same with your card application number. Seeking help with a Bank representative. The bank representative will check your status online and will tell you your card status. Most of the bank services and solutions have been designed and customized, keeping end customers in mind. In this era, we have a lot of bank branches that are easily accessible to everyone. So it’s a very good option as it is empowered with technology offering convenience, efficiency, and security.