Apply for HDFC Card via BharatNXT

Pay your credit card bills hassle free and elevate your experience on BharatNXT

Why Choose BharatNXT?

  • 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy

  • 5X CashPoints on EMI spends at merchant locations

  • 2 CashPoints on all other spends ( Excluding fuel, Wallets loads )

  • Gift vouchers worth upto ₹2000 annually
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits.
    • ₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh

    • ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.

    • 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
      • 5% Cashback on Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
      • 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions

      • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter

    Apply for HDFC Credit Card Using BharatNXT

    Discover a diverse range of HDFC credit card variants tailored to suit every lifestyle and financial need. From entry-level cards like Swiggy and TATA Neu Plus to premium offerings such as Diners Club Black Metal and Marriott Bonvoy, BharatNXT provides a comprehensive selection designed to cater to various preferences and requirements. Whether you’re a frequent traveler, avid shopper, or business professional, there’s a ‘HDFC credit card apply online’ feature waiting for you at BharatNXT. Explore our lineup and find the perfect card to elevate your spending experience today.

    Meet Raj, the owner of a small but growing local bakery. Despite his business’s success, Raj often finds himself juggling multiple financial responsibilities and struggling to keep up with the bakery’s evolving needs. Recognizing the importance of having financial flexibility, Raj decides to explore his options of having a credit card. After researching various banks and their offerings, he sets his eyes on applying for an HDFC credit card. With this business credit card he would have a safety net of funds for unexpected expenses and rewards on everyday purchases, supporting the bakery’s growth. Raj sees the value in using a dedicated business credit card to separate his personal and professional finances, making it easier to track his bakery’s expenses and manage his cash flow more effectively. With the convenience and benefits offered by the HDFC credit card, Raj feels confident that he can take his bakery to new heights, providing his loyal customers with even more delicious treats while securing the financial stability and success of his business.

    HDFC bank credit card apply online for the top 20 offered by BharatNXT

    HDFC credit card Variant

    Annual Fee

    Card Category

    Diners Club Black Metal


    Super Premium

    Marriott Bonvoy





    Entry Level

    TATA Neu Plus


    Entry Level

    MoneyBack Plus


    Entry Level



    Entry Level






    Entry Level

    Shoppers Stop

    Lifetime Free

    Entry Level

    Business Moneyback


    Entry Level



    Entry Level

    Tata Neu Infinity



    Diners Club Privilege



    6E Rewards XL Indigo


    Super Premium

    Regalia Gold



    Business Regalia


    Super Premium

    CSC Small Business MoneyBack


    Entry Level

    Diners Club Black


    Super Premium

    ShopperStop Black


    Super Premium

    6E rewards Indigo


    Entry Level

    Prime features of HDFC credit cards

    • Contactless payments

    Simplify your transactions with the convenience and security of contactless payments. Just tap your card at checkout for swift and secure transactions, making shopping effortless.

    • Airport lounge access 

    Enjoy the luxury of complimentary access to airport lounges, both domestically and internationally. Take a break from the hustle and bustle of travel and relax in comfort before your flight.

    • Welcome rewards

    Start your credit card journey on a high note with exclusive welcome perks and benefits. From exciting welcome gifts to bonus points on initial transactions, enjoy a range of privileges from day one.

    • Smart EMI facility

    Convert your purchases of ₹2,500 or more into flexible Smart EMIs, whether online or offline. Benefit from competitive interest rates and choose repayment periods that suit your needs.

    • Insurance coverage 

    Stay protected with complimentary insurance benefits on select HDFC Bank credit cards. From coverage for air accidents to emergency overseas hospitalization, enjoy added peace of mind with every transaction.

    • Foreign currency benefits

    Shop globally without worries with minimal markup fees on international transactions. Save more while exploring the world and enjoy seamless shopping experiences abroad.

    • Revolving credit facility

    Access additional financial flexibility with our revolving credit facility, allowing you to carry forward your outstanding balance at competitive interest rates.

    • Zero liability protection

    Rest easy knowing you’re protected against unauthorized transactions and fraud with our Zero Liability Protection feature. Report any incidents promptly to our 24-hour call centre for peace of mind.

    Explore the benefits of HDFC credit cards

    • Exclusive offers and rewards

    Avail exclusive discounts, reward points, and special offers tailored to your preferences.

    • Instant fraud protection

    Promptly notify your bank in case of suspected credit card fraud, ensuring instant blocking of your card for added security.

    • Diverse card options

    Choose from a variety of HDFC Bank credit cards, each designed to cater to different requirements and lifestyles.

    • Credit score enhancement

    Improve your credit score by ensuring timely and full payment of bills, while maintaining credit utilization below 30%.

    Exploring eligibility for HDFC credit cards

    • Age requirement: For an HDFC cc apply, you need to be at least 18 years old, ensuring that you meet the legal age criteria set by the bank.
    • Nationality criteria: HDFC credit cards are available exclusively to Indian nationals, ensuring that applicants hold Indian citizenship.
    • Residential status: Whether you are a resident or a non-resident Indian, you are eligible to apply for HDFC credit cards, catering to a diverse range of applicants.
    • Employment status: HDFC credit cards are accessible to both salaried professionals and self-employed individuals, providing opportunities for a wide range of applicants based on their employment status.
    • Annual income assessment: HDFC Bank evaluates your eligibility for a credit card by considering your annual income, ensuring that you meet the minimum income criteria set by the bank.
    • Dynamic credit limit assessment: Your credit limit is determined by HDFC Bank based on your annual income, expenditure patterns, and card usage. It is periodically reviewed and adjusted to align with your evolving financial circumstances.
    • Opportunities for card upgrades: HDFC Bank may extend invitations for credit card upgrades based on your usage patterns and financial behavior, providing opportunities for enhanced benefits and privileges.

    Process to complete HDFC bank credit card applications on the platform:

    Step 1: Advisor initiates the process by entering the customer’s mobile number and PAN. They verify the customer’s details and submit the lead.

    Step 2: The advisor guides the customer to complete the Bureau Check by clicking on the link sent via SMS. Once completed, the advisor checks the status and proceeds.

    Step 3: After the Bureau Check, the advisor recommends HDFC Bank as the lender and proceeds to the next step.

    Step 4: The advisor validates the customer’s details and guides them through the verification process, including completing the HDFC Bank declaration and submitting the OTP.

    Step 5: Customer verification involves clicking on the verification link received via SMS and entering the OTP sent by HDFC Bank.

    Step 6: Once verified, the advisor enters the customer’s personal information, address details, and any additional information required.

    Step 7: The customer reviews the details filled in by the advisor and verifies them. Any necessary changes can be conveyed to the advisor.

    Step 8: Post verification and declaration, both the advisor and customer are shown eligible HDFC Bank credit cards. The advisor guides the customer with card features and pricing, and the customer selects the desired card.

    Step 9: Depending on the scenario (new-to-bank or existing-to-bank), further steps may include document upload, eKYC completion, or net-banking validation.

    Additional Scenarios: In scenarios such as document upload or eKYC completion, the process involves verifying the documents, completing eKYC as guided, and validating net-banking details if necessary.

    Documents required for application

    Documents Required

    Proof of Identity

    Address Proof

    Income Proof (Salaried)

    Income Proof (Self-Employed)

    Proof of Identity


    Telephone bill

    Salary certificate

    Certified financials


    PAN Card

    Electricity bill

    Recent salary slip/s

    Recent ITR (Income Tax Returns)


    Ration Card


    Employment letter

    Audited profit and loss statement or balance sheet


    Aadhaar card

    Ration card


    Voter’s ID card

    Rental agreement


    Driving Licence

    Aadhaar card


    Why choose BharatNXT to apply HDFC credit card?

    In conclusion,
    BharatNXT emerges as the optimal choice for HDFC credit card applications, offering not only a diverse array of card variants but also an array of enticing features. With features like up to 50 days of credit, instant access to capital, and no credit check requirements, BharatNXT ensures unparalleled convenience and flexibility for its users. Moreover, by facilitating rewards, cashbacks, and opportunities to improve credit scores, BharatNXT adds significant value to the credit card application process. Seamlessly blending convenience, flexibility, and rewards, BharatNXT stands out as the go-to platform for individuals seeking a hassle-free and rewarding credit card experience with HDFC Bank.

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