HDFC Bank Credit Card
Incorporated in 1994, HDFC (Housing Development Finance Corporation Ltd) is one of India’s popular and preferred banks. The bank has its headquarters in Mumbai. The bank has three main business segments – treasury, wholesale banking, and banking. Talking about retail banking segment, it caters to the customers via its branch network and various other delivery channels. Wholesale banking offers loans, transaction services, and non-fund facilities to government organisations, public sector units, medium scale enterprises and corporates.
Currently, HDFC Bank has more than 2,000 branches and over 7,000 ATMs throughout India. The bank also has overseas branches in Hong Kong, Bahrain, and there are two representative offices in Kenya and UAE. The bank also has two subsidiaries – HDB Financial Services Ltd. and HDFC Securities Ltd.
What in case my card is lost or stolen
Your first step is to get in touch with the customer support team of HDFC Bank and inform them about your stolen or lost a credit card. If you have any other information, such as a change in the contact number, your address, or any other personal information, then also you can call the customer support team.
Can I do online transactions using a chip card
Yes, a chip card can be used for online transactions. Make sure the card is registered for ‘Verified by Visa/Mastercard SecureCode’. This will help you in having safe online transactions after which you can use the card online.
What are the benefits of a chip card
A chip card is a credit card and it comes with an embedded microchip. This chip is encrypted and offers protection against any fraudulent transactions. When you use your chip card at any store or a restaurant with chip-enabled terminals & ATMs, the system authenticates the chip ensuring a secure transaction.
Is there a magnetic strip in the HDFC chip cards
In addition to the embedded micro-chip, your HDFC Bank has magnetic chip.
How to use a chip card
The merchant needs to tap your card in the POS terminal instead of swiping the card. Following are the key steps –
How to make the payment for the chip card
You can make the payment via cash, net banking, an ATM, or cheque. The payment process is similar as in the case of a regular credit card.
What are the merchant categories where you can use your chip card
You can use your chip card across all merchant categories including – apparels, movie tickets, online, travel, and shopping. You can use it like a standard credit card.
How can I change the password of my net banking
First you need to login and using the option of change your password, you get to change the password. You will need to enter both the old password and your new password in the respective boxes.
When will I receive my changed ATM pin
You will be receiving your new ATM pin within 10 days of the submitting your request. You will receive the pin via post.
Who can use the credit card NetBanking service
If you are a HDFC credit cardholder and have also registered for netbanking, then you are authorised to use the netbanking service of HDFC Bank. You need to ensure that your account is active and should be in regular status.
Credit cards have certainly become an indispensable part of our lives. HDFC credit card offers impressive offers, discounts, and deals as compared to other banks. I have HDFC Bank visa card and it has offered complimentary airline pass membership of late, I have even availed 14% discount on hotels, and I get to earn reward points for every Rs. 150 spent. Since, I have used and enjoyed the benefits, my advice is to go for the HDFC Bank credit card.
I have been using HDFC Bank credit card and I have faced payment issues couple of times. The payment can only be made using net banking, they don’t accept payment through debit card. I even had a word with their customer support team, but it was of no use.
Go for it
If you are looking for a cash back credit card, then apply for HDFC credit cards today. You will receive reward points on all your retail spending and petrol stations, moreover you will also enjoy exemptions on government & electricity bills. With the rewards points, you have the option of using them for shopping or redeem them for cash back. It is also useful for doing cashless transactions. I will certainly recommend HDFC Bank credit cards.
Avoid if you can
One of the risks of having HDFC Bank credit card is that they have hidden charges and they will never inform you about them. In addition, their interest rates are also quite high as compared to other banks. I have been a target of their due charges, minimum dues, interest rates and so on. Overall, I will suggest don’t even think of apply for an HDFC Bank credit card.
I have applied for HDFC Regalia credit card last month, but I can still see my application status in progress. I was promised that I will receive my credit card within ten days, but, I haven’t received it and the application status is also the same. So, this shows that HDFC Bank process works at snail’s pace.
Impressive card service
According to me HDFC Bank credit card is the best, this is the reason the bank has so many satisfied customers. I am having HDFC Bank’s diners reward card for the past one year. The card is good, but don’t expect it work at every restaurant. The reward points are impressive and interest rate is also competitive. Whenever I have faced any issued, their well-versed customer support team has always resolved all my queries.
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