Features of HDFC Credit Card The following are the features of HDFC Credit Card:
Personalized Offerings – HDFC provides a customized credit card to match the needs and requirements of the individual customers.
Discount Facilities – HDFC credit card has tie-ups with elite brands ranging from apparel to dining and hence provides great discount facilities, cash back offers and reward points to all its customers on all the days in a year.
Modernized Security – The HDFC credit card offers its customers highly secured mechanism to conduct online transactions smoothly without facing any hassles.
Balance Transfer – It provides a facility to transfer the balance from one credit card to another or to transfer the amount to any other account.
Loan against Card – HDFC credit card provides loan against card without much of paperwork at the doorsteps of the customer on demand.
Bill Value Program – The credit card can be used to pay bills and for shopping purpose. One can pay mobile, telephone, electricity, insurance bills using HDFC credit card and get cash back benefits and accumulate reward points offer. The following are the Bill Value Programs of HDFC Bank. It charges an annual service fee of Rs 199 per annum. It provides following benefits:
Welcome Benefit of 500 Bonus Reward Points on the first utility bill payment (Payment through Smart Pay or directly to the merchant). Smart Pay Benefit of 2% Cashback on all Smart Pay payments with a max cap of Rs 200 and reversal of Rs 10.
Smart Pay Transaction Processing Fee (Smart Pay is a standing instruction for making utility bill payments on HDFC Bank Credit Card)
Direct Pay Benefit – 1% Cashback on all utility bill payments directly made to the billing merchant with a max cap of Rs 150.
Benefits of HDFC Credit Card
Low-Interest Rates – HDFC Credit card, charges a very low-cost structure with respect to interest rates on all overdue payments.
Cashless Transactions – With the HDFC Credit Card, the cardholder can transact easily without carrying cash all the time. The user can enjoy hassle-free cash using HDFC Credit Card. It discounts the need to carry cash everywhere.
Customized Service – HDFC provides a broad pattern of credit card service to match everyone’s taste and expenses. It offers the user a host of benefits which are extremely handy.
Universal Recognition – HDFC credit cards are universally accepted and facilitate cashless transactions across millions of merchant locations across the world.