Hdfc Credit Card Benefits | Hdfc Credit Card Benefits
All of you must have heard the name of HDFC Bank. In today’s time, after the largest and government bank SBI in the market, the most popular bank that is providing its banking services is HDFC Bank.
In such a situation, the main reason for the high prevalence of HDFC Bank in today’s time is the credit card provided by them.
Do you know about the benefits of HDFC Credit Cards? Do you want to know complete information about this topic?
If you also have an HDFC card & If you want complete information about it, then you must read this article completely.
After reading this article today, you will definitely get complete information about the benefits of HDFC Credit Cards.
Hdfc Credit Card Benefits
In today’s digital world, it has become common for everyone to have a debit card and a credit card.
In such a situation, there will be some people who mostly use debit cards, but do not like to take credit cards due to some doubt.
If you are also among those people, then today you must read about the benefits of HDFC Credit Card.
You will definitely know about HDFC Credit Card by reading about the benefits of HDFC Credit Card.
And you will also know what are the benefits of credit card? So let’s know about the benefits of HDFC credit card.
Click below to apply HDFC Credit Card
Benefits of HDFC Credit Card
- Facility
The biggest advantage of an HDFC credit card is that if you are traveling far away and worry about your money getting stolen while carrying it with you, then you can avoid such worries.
You can easily use the credit card anywhere while on long journeys.
- no risk of getting lost
The biggest advantage of using HDFC credit card is that even if your credit card is lost
So you can get your credit card closed within 2 minutes just by informing the bank and get it again.
This way you do not have to face any kind of loss.
- convenient payment
In today’s time, credit card has become the easiest way to pay for anything.
All you have to do is swipe and you can easily make any kind of payment anywhere with a credit card.
- pay by scanner
There are many people who keep the check payment with them instead of the case, even in such a situation you have to keep count of the cheques.
If you use a credit card, you don’t have to count any type of check.
All you need is a credit card, after linking it to your digital wallet, you can pay through the scanner kept in your wallet.
- Recurring Payments
Many bills come every month like electricity bill, gas bill, mobile recharge etc. Credit card is a very good medium for such payment.
You can link your bill with credit card payment, which will provide you notification as soon as the bill is due.
So that you can also pay your bills on time.
- Ticket & Recharge
We also get many offers from credit card in ticketing and recharge etc.
Also we can book flight ticket without cash through this.
- Lots of cashback and points
We get a lot of cashback and points for making more purchases with HDFC Credit Card.
Which we can use to make payments in online shopping, petrol pumps etc.
- lots of rewards
You earn a host of rewards whenever you use HDFC Credit Card to make payments.
Those rewards can also be used for free shopping or free air ticket bookings.
- monthly bill payment
If you use HDFC Bank credit card for buying and selling, you are given time to pay the bill for that credit card for a specified period
And you are not charged any exorbitant interest till the repayment tenure.
- insurance cover
You can get accidental death insurance cover through HDFC credit card.
You can also get insurance in case of burning of items purchased with your credit card.
Apart from this, you can get insurance and you can also pay your purchase bill as EMI.
- better credit score
If you use HDFC credit card for payment and repay it on time.
In this case, your credit score increases.
Credit score can help you a lot in getting a loan.
If your credit card balance is 700 or more, then you get a loan at a very low interest rate.
At the same time, a good credit also helps you in getting credit cards in the future.
hdfc credit card terms and conditions
HDFC Credit Card gives us many benefits.
In such a situation, before providing HDFC credit card, it also tells many terms and conditions to its customers, which are as follows-
- The age of the applicant should be between 21 years to 60 years.
- The applicant must be a citizen of India.
- HDFC Credit Card is made available only for Naukri Paisa and self-employed people.
- Aadhaar card, PAN card, driving license, salary slip, etc. should be present with the applicant.
- Applicant must have valid ID card.
- The credit card can be availed only if the applicant resides in a city like Hyderabad, Bangalore, Mumbai, Pune, Thane, Noida, Delhi, Navi Mumbai, Ghaziabad, Gurgaon, Faridabad.
- It is mandatory for the applicant to have a proof of address.
- The civil score of the applicant should be good.
- The check of the applicant should not have bounced.
- The applicant should not have any loan outstanding outstanding.
Advantages and Disadvantages of HDFC Credit Card
Above we learned about the benefits of HDFC Credit Card.
We learned that HDFC Bank issues various types of credit cards and offers more than 7 types of insurance on each card separately.
Cashback and rewards points are available on all types of HDFC Bank credit cards.
On HDFC Credit Card, we do not have to pay the annual fee for spending more than the prescribed limit.
HDFC Bank also gives us the option to track the expenses made every month through the credit card.
Smart EMI option is available on almost every credit card of Ajit Bank.
Through which we can convert any item into EMI after paying with a credit card.
Apart from this, we have come to know about many other benefits in the above section. Let us now also know about some disadvantages of HDFC Credit Card.
Disadvantages of HDFC Credit Card
- There are various types of greenback charges and fees levied in HDFC credit cards.
- HDFC credit card bill is not paid on time, exorbitant interest is charged.
- Failure to pay the credit card bill on time leads to civil damages.
- International website fraud can be faced through HDFC credit card.
- In HDFC Credit Card, interest is also added along with additional fees in the bill for purchases in excess of the credit limit.
Conclusion
In today’s article, did you know what are the benefits of HDFC Credit Card?
I hope that by reading our today’s article, you must have got complete information about the benefits of HDFC Credit Card.
If you liked our today’s article, then definitely share it with your friends.
If you have any question in your mind then feel free to ask us by commenting in the comment box.
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