Credit cards help in improving your credit score and also earning you some rewards, benefits and cashback if you use them judiciously. HDFC offers a host of different cards right from free ones to those having annual fees. You can choose the one that aligns best with your requirements. Generally, no annual fee offer better value as you can keep them active without requiring to pay anything. Those attracting an annual fee are worth only if you get rewards and benefits that account for more than the annual fee. Moreover, you get the benefit of HDFC credit card bill payment offers.
Criteria for HDFC Credit Card
The minimum criteria for applying for an HDFC credit card is:
- The applicant should be between 21 and 65 years of age.
- The applicant can be salaried or self-employed but with a minimum earning of INR 18000 per month.
You can use your HDFC credit card for all your varied transactions like travelling, shopping, dining, wellness and various bill payments, which includes utility payments and paying insurance bills. While you make these payments, HDFC often comes up with various offers that help you to get back some money as cashback, earn points on spending that can later be redeemed etc. These benefits are one of the major benefits of using the credit card as besides getting an interest-free credit of up to 50 days you also end up getting something in return.
Smart Pay Benefits on HDFC Credit Card Bill Payment Offers
Starting from 1st April 2019, HDFC offers 5% cashback to all its customers who register for the Smart Pay option. It is a customer-friendly feature provided by HDFC bank where all your utility bill payments will be made automatically through your HDFC Bank Credit Card. You simply need to activate this feature and the HDFC Cards Division will make payments to the utility companies on your behalf before the due dates and the amount will be debited to your Credit Card. You can then clear the amount at one go before the payment due date of your card. It is a very convenient feature as you don’t need to keep track of the due dates of various utility payments and this service is free for the customers.
The bank offers 5% cashback to all its first-time Smart Pay signees for the first 12 months of registration. In any one statement cycle, maximum cashback of INR 100/- is allowed besides earning the Reward Points on all the SmartPay transactions. These reward points can later be redeemed for various purposes as specified by the bank. The cashback amount is posted in the following statement cycle of the transaction. The process to register for SmartPay is simple and can be done both online and offline. The online process is simple where you log in to your account and activate the offer by going to Cards>Credit Cards>Transact>SmartPay.
You should make use of various HDFC credit card bill payment offers to earn back some cash.