Retailio HDFC Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹499
₹499
1.99%
No lounge access
Contents
A co-branded HDFC Bank card for Retailio merchants and partners. It offers a strong reward structure for online and POS spends, activation bonuses and milestone benefits. Card supports contactless payments and flexible redemptions.
Features of Retailio HDFC Credit Card which makes it unique
Retailio Merchant Benefits
Lower working capital fee on Retailio spends
Business-friendly terms
Designed for pharmacy/chemist merchants
Activation Gift
Activation bonus for early spends
Quick points on small activation spend
Good for small businesses
Rewards Structure of Retailio HDFC Credit Card
Dining
baseAll dining merchants
Standard earn rate for offline/dining spends
Online
acceleratedOnline transactions
Higher earn rate for online purchases
Business Essentials
baseSelect business essentials
Targeted for merchants buying business supplies
Milestones of Retailio HDFC Credit Card
Monthly Milestone
₹25,000 : 500 bonus Reward Points
Monthly Milestone (RIO)
₹50,000 : 2,000 bonus Reward Points (RIO members)
Quarterly Milestone
₹1,00,000 : 2,000 bonus Reward Points
Fees & Charges of Retailio HDFC Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 3.6% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived if non-EMI spends ≥ ₹50,000 in preceding year.
Fee Explanation Standard bank rates apply for overdue amounts; refer to bank MITC for full fee schedule.
Detailed Explanation of Retailio HDFC Credit Card Fees
Joining/First year fee: ₹499 + GST (one-time)
Charged after 90 days if card not activated
Renewal Fee: ₹499 + GST (yearly)
Waived if non-EMI spends ≥ ₹50,000 in preceding year
Lounge Access Benefits with Retailio HDFC Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
No complimentary domestic lounge visits listed
international Lounges
silverVisits per year: 0
Guest access: No
No complimentary international lounge visits listed
Insurance Coverage with Retailio HDFC Credit Card
Lost card liability
₹3,00,000Refer bank's claims process
Reward redemption protection
As per catalogueRefer redemption T&C
Additional Features of Retailio HDFC Credit Card
Contactless Payments
Tap and pay enabled
Flexible Redemption
Reward points redeemable for cashback, catalogue items or air miles
Minimum redemption rules apply
Welcome Bonus with Retailio HDFC Credit Card
Welcome Bonus: 1,000 Reward Points
Bonus Conditions: Complete total spend of ₹500 within 90 days of card open date. RIO club members receive an additional ₹500 gift voucher on activation.
Application Process for Retailio HDFC Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply via HDFC Bank / Retailio partner channel
Upload KYC documents and merchant proof (if applicable)
Receive verification call
Card dispatched after approval; activate with small transaction
Required Documents for Retailio HDFC Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
self_employedAccepted documents:
Retailio HDFC Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally for merchants supporting the network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Retailio HDFC Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹600,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must provide valid PAN and Aadhaar (or other KYC as per bank).
How Approval Is Decided
- Eligible self-employed Indian resident merchants or applicants meeting bank’s income/ITR thresholds
- Age between 21 and 65 years
- Credit and KYC checks as per bank policy
Pros of Retailio HDFC Credit Card
- Strong online rewards (4 RPs/₹150)
- Activation bonus on small spend
- Milestone bonuses for higher monthly spends
Cons of Retailio HDFC Credit Card
- Joining/renewal fee if not activated or minimum spends not met
- Certain spends (fuel, Retailio payments, wallet loads) excluded from rewards
Frequently Asked Questions about Retailio HDFC Credit Card
What is the welcome benefit?
Get 1,000 bonus Reward Points on card activation after completing total spend of ₹500 within 90 days.
What is the joining and renewal fee?
Joining/renewal fee is ₹499 + GST; waived if not activated within 90 days or if annual non-EMI spend ≥ ₹50,000.
What are the reward earn rates?
Earn 4 Reward Points per ₹150 on online spends and 2 Reward Points per ₹150 on POS/offline spends.
Are fuel and Retailio spends eligible for rewards?
No — fuel spends, Retailio payments and wallet loads are excluded from reward accrual.
How can I redeem Reward Points?
Points can be redeemed for cashback (100 RPs = ₹20), products or air miles via HDFC SmartBuy/catalogue.
Is contactless payment supported?
Yes — the card supports contactless transactions once activated.
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