HDFC Visa Signature Credit Card

The HDFC VISA Signature Credit Card is a travel-oriented credit card that rewards you for your travel costs. The card comes with a free $99 Priority Pass membership and a baseline reward rate of 1.33% on all transactions (2 reward points per Rs. 150 spent).

HDFC Visa Signature Credit Card.png

Image Source: HDFC Official website

Highlights of the HDFC Visa Signature credit card

Suitability

Travelers

Rewards

Zero liability on the lost card if it is reported immediately

Saves up to Rs. 8,300 on lounge access.

HDFC Visa Signature Credit Card Features and Merits

The following are the advantages of the VISA Signature Credit Card-

  • Reward Points: Every Rs. 150 spent earns you two reward points.
  • Priority Pass Membership: Get a complimentary Priority Pass membership worth $99 and save up to Rs. 8,300 on lounge access.
  • If the missing card is reported quickly, there is no culpability.
  • With EMV Chip technology on your card, you can protect yourself from fraud.
  • By registering your card for SmartPay, you may easily pay your utility and phone bills.
  • Add-on Cards: Receive up to three free add-on cards for your family.
  • Interest-free Credit Period: Get 50 days of interest-free credit.

HDFC Visa Signature Credit Card Annual Fee and Charges

Joining Fee

Renewal Fee

Interest Rate

3.6% per month

Late Payment Charges

  • Less than Rs. 100 – Nil
  • Rs. 100 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 5,000 – Rs. 500
  • Rs. 5,001 to Rs. 10,000 – Rs. 600
  • Rs. 10,001 to Rs. 25,000 – Rs. 800
  • Rs. 25,000 to Rs. 50,000 – Rs. 1,100
  • More than Rs. 50,000 – Rs. 1,300

Eligibility Criteria

This card's qualifying requirements may include particular income requirements. Nonetheless, the following are the typical eligibility requirements for this card-

Salaried Individuals

21 Years - 60 years

Self-employed Individuals

21 Years - 65 Years

Documents Required to Apply

The documentation necessary to apply for HDFC Visa Signature Credit card may vary depending on the applicant. In general, though, the following documents may be requested of you-

  • Documents Pertaining to One's Identity: Among these documents are your PAN card, driving license, passport, and Aadhaar card.
  • Address-proof Documents: Your Aadhar card, passport, and ration card might all be used as address-proof documents.
  • Income Documentation: The bank may request proof of income. You can do so by sending your most recent payslips, income tax returns, or Form 16, among other papers.

How to Apply for the HDFC Visa Signature Credit Card?

Step 1: On the bank's website, you can apply for this card.

Step 2: All you have to do is complete the online application form and give the necessary information. You may then receive a phone call or an SMS from the bank detailing the status of your application.

Step 3: Instead, you can apply for a credit card at your local HDFC branch.

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