The HDFC credit card is another service provided by the HDFC Banking Corporation of India. It is one of the premier banks in the country and was voted Strongest Bank in Pacific Asia by the Asian Banking Organization. The bank itself was incorporated in 1994 and has since grown to have approximately 2,000 branches across the Indian Continent.
Choosing the right HDFC credit card isn’t just about filling out an application and going from there. It starts with deciding which card is right for your needs, or for your company’s needs. This is because there are more than five different options to choose from in the cards themselves, and each card offers its own options for those who use them. Customers can choose from a Premium or Premium Travel card, a Titanium or Gold card, a Commercial card, or one of the basic cards offered to most customers.
The premium HDFC credit card can be either Visa or MasterCard. Those who choose the Visa Signature card will have access to more than 500 private airport lounges around the world, offers a competitive rewards program, works on a low APR interest rate, and will even offer their customers a zero liability guarantee on lost cards. The World MasterCard offers many of the same amenities, plus gives their clients access to more than 600 private airport lounges around the world.
Those who opt for the Platinum HDFC credit card will have access to an impressive rewards program. The more that is spent per billing cycle, the more rewards points will be offered per amount spent. There is also a 50 day no interest rate base with a low interest rate set after the fact, a zero percent surcharge on fuel charges, and a no liability clause for cards that are lost or stolen. Gold card members will have many of the same features but will also have the option of using their cards around the world. They’ll also have the benefit of getting a gold card for other family members at no additional cost.
HDFC also has an entire line of commercial credit cards for those who need something more for business transactions. These include cards such as the Corporate and Business Platinum cards, Business Gold cards, and Purchase and Distributor cards. The Corporate Platinum card offers carriers privileges at both domestic and International airports. They also offer a premier rewards program and protection insurance on all cards. The Business Platinum offers clients a 1% cashback advantage on airfares and expenditures, 1% cashback on utility payments, and are accepted throughout the world.
These are only a few of the options that come with the HDFC credit card. There’s a card for just about every person on the Indian Continent and beyond. And with so many different branch offices and ATM’s, they’re available to anyone. There is a world of opportunity around every corner with the help of a HDFC card. The biggest challenge is in choosing which one is the best option for your personal and financial needs.
