Which HDFC Credit Card will be best for you to have in your pocket?

Which HDFC Credit Card will be best for you to have in your pocket?

HDFC Bank is considered to be one of the best private banks in our country that has been providing world-class banking services to customers for many years. Among all the HDFC banking products, credit card facility is one of the most preferred ones. This facility which leads to the burning question of today’s time - Which HDFC credit card should an individual opt for? The reason behind this question’s existence is the range of c ​ redit cards​ provided by HDFC Bank. As they say, it’s hard to choose when options are in abundance. Such situations always create doubt in our heads regarding our choice.

In this article, we will be answering this question so that you could choose a suitable H ​ DFC credit card​ for yourself. So without any further delay, let’s delve into the answer.

How should you approach while looking for a credit card?

Different individuals have different habits of spendings. Hence, everyone constantly looks for a credit card that could complement their spending habits. Suppose that you’re someone who travels most of the time through your personal vehicle, then you will look for a fuel credit card, not for a super premium HDFC credit card. So, your approach while looking for a card should align with your spending pattern and repayment capability. Your credit limit will depend on many factors but your monthly income would play a crucial role in determining it. So, it’s important to know exactly what you’re looking to gain with the credit card you will choose. You can also use the tool available on the official website of HDFC to know the best card for you.

What are the details that you will need to use the HDFC Credit Card tool?

You can know the best credit card for you by having a few basic details in your hand. There are three important things you need to know. The first thing would be your employment type, second will be your annual income and the third thing would be the category of spendings that you mostly make.

The first step would be choosing the type from salaried and self-employed. After choosing it, you will need to put the annual income in the required space. After this, you have to tick on the category you mostly spend on. These categories are Travel, Lifestyle, Entertainment, Online Shopping, Reward, and Cashback.

For women and Professionals, there are two exclusive categories. As soon as you complete all these steps, the tool gives you a list of HDFC ​credit card​ or cards that will be perfect for you.

In the list of cards suitable for you, there will be two options for you below each of the cards - Know More and Apply Online. By clicking on the first option, you can know about all the features, reward points program, cashback scheme, applicable fees and charges on that card. If you are satisfied with all the details, you can apply from there also.

How can you apply for the HDFC Credit Card Online?

In order to apply online for an HDFC credit card, you will just need to fill a few basic details in the application. These details would be your full name, Date of Birth, Mobile number, City, PIN code, PAN number, and Monthly Income. Fill all of them and submit the application. Representatives from bank will call you back regarding your application within the shortest duration possible. And if everything will go right, you will get your credit card within a few days of the document submission.