HDFC Signature Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹1,499
₹0
2.5%
12 visits/yr
Contents
A travel-focused premium credit card offering airport lounge access, attractive reward points and travel protections. Ideal for frequent travellers seeking Priority Pass and elevated travel benefits. Combines rewards on general spends with insurance covers and concierge-like privileges.
Features of HDFC Signature Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout for larger purchases
Flexible repayment
Competitive EMI options compared to peers
Spend Analyzer
Track monthly expenses by category via mobile app
Better budgeting
AI-driven insights (bank app dependent)
Rewards Structure of HDFC Signature Credit Card
Dining
acceleratedRestaurants and dining merchants
Accelerated points on dining spends as per HDFC rewards schedule.
Shopping
baseAll merchants
Standard earn rate on regular purchases.
Travel
baseFlight and hotel bookings
Travel benefits include lounge access; refer to bank for Priority Pass issuance rules.
Milestones of HDFC Signature Credit Card
Quarterly Milestone
₹50,000 : Reward points or vouchers as per bank promotions
Annual Milestone
₹2,00,000 : Complimentary travel vouchers or offers under bank campaigns
Fees & Charges of HDFC Signature Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee waiver on spends as per bank policy; check HDFC terms for thresholds.
Fee Explanation Standard HDFC Bank fees and interest apply on overdue amounts; refer to bank schedule for full details.
Detailed Explanation of HDFC Signature Credit Card Fees
Annual Fee: 1499 (yearly)
First year fee may be waived on minimum spends; renewal waiver subject to annual spend threshold.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹500 per transaction.
Foreign Transaction Markup: 2.5% (transaction)
Applies on transactions in foreign currency and cross-border transactions.
Lounge Access Benefits with HDFC Signature Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: Yes
Subject to Priority Pass / network access rules and issuance; check bank terms.
international Lounges
silverVisits per year: 4
Guest access: Yes
Priority Pass issuance may be subject to request and bank policy.
Insurance Coverage with HDFC Signature Credit Card
Travel Insurance
Varies by policyInsurance cover provided as per card terms; check HDFC policy documents.
Purchase Protection
₹50,000Claims valid within 90 days of purchase subject to T&C.
Additional Features of HDFC Signature Credit Card
Contactless Payments
Tap and pay enabled
Smart EMI
Convert online and offline purchases into EMIs
Subject to bank approval
Welcome Bonus with HDFC Signature Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Bonus valid for new cardholders only. Refer to HDFC Bank terms for exact eligibility and timelines.
Application Process for HDFC Signature Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Finanjo portal or HDFC Bank website
Upload KYC documents
Receive verification call
Card dispatched within 5-7 business days
Required Documents for HDFC Signature Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Signature Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Signature Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹300,000
Minimum annual income
Self-Employed Applicants
₹400,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and KYC documents as required by HDFC Bank.
How Approval Is Decided
- Minimum age 21 years
- Indian resident
- Credit score above 700 and required income
Pros of HDFC Signature Credit Card
- Strong travel and lounge benefits
- Reliable reward ecosystem
- Complimentary travel-related protections
Cons of HDFC Signature Credit Card
- Annual fee applicable unless waiver conditions met
- Reward accrual may be modest compared to some co-branded cards
Frequently Asked Questions about HDFC Signature Credit Card
Is there a joining fee?
The joining fee may be waived subject to first-year spends or promotional offers; check HDFC Bank application page.
What are the annual fee waiver conditions?
Annual fee waiver is typically available on meeting the bank's annual spend threshold; refer to the fee schedule for exact figures.
What is the welcome bonus?
New cardholders may receive the listed welcome points (for example 500 bonus points) on meeting the specific welcome condition within the stipulated period.
How do I get lounge access?
Lounge access is provided via Priority Pass or network access; issuance and visit limits are subject to HDFC Bank and network rules.
How can I redeem reward points?
Reward points are redeemable through HDFC's rewards portal for vouchers, air miles or statement credit as per the rewards catalogue.
What is the foreign transaction fee?
A forex/foreign transaction markup is applicable on overseas spends; check the detailed fees & charges for the exact percentage.
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