Kids Debit Card

More benefits than ever before

Welcome Benefits

  • Get PhonePe Gift card ₹249 on your first Rupay CC on UPI transaction.

  • Additional Scratch cards worth ₹25 each on your next 10 Rupay CC on UPI transactions.

  • Disclaimer - Welcome benefits will be offered only to cardholders for whom Joining Fee is applicable

Key Features

  • Earn up to 1500 Reward Points per month on your everyday spends like utilities, bill payments, flights, hotels, online shopping brands, UPI Scan & Pay and much more.

Fuel Surcharge Waiver

  • Save 1% on fuel surcharge at fuel stations when you pay with your card.

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Key Features

Wondering if you are eligible?

Salaried

  • Age: Minimum 21 years to maximum 60 years.
  • Income: Gross Monthly Income> ₹25,000.

Self-employed

  • Age: Minimum 21 years to maximum 65 years.
  • Income: ₹26 lakh per annum.
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Save up to ₹15,000 * annually

Millennia Credit Card

Documents required to get you started

Identity Proof

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photograph

Address Proof

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID

Income Proof

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Apply Now in 3 Easy Steps:

Online application process:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2- Confirm your details
  • Step 3- Select your Card
  • Step 4- Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

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Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160
  • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management and Controls

How To Apply

Steps to Apply:

Login to the PhonePe APP.
Look for PhonePe HDFC Credit card banner in the APP.
Start application by filling in the details.

You can apply only through the PhonePe app. There is no offline or website-based application process.

Eligibility Criteria –
Nationality: Indian
Age: 21 to 65 years

Disclaimer - The final application decision, variant (Ultimo or Uno) & credit limit will be subject to Bank's internal policies.

how to apply

Fees and Charges

Joining Fee: ₹499 + applicable taxes

Annual Fee: ₹499 + applicable taxes

Annual Year Fee waived upon spending ₹1,00,000 in the previous year.

Below spends will not be considered for the waiver –

  • Cash advances
  • Credit Card fees or any charges
  • All EMI spends
  • Any other categories excluded as per the Bank’s internal policies
Fees and Charges

Credit Card Activation

Objective

HDFC Bank Credit Card holders have to activate their Credit Cards within 30 days from Card Open Date, as per ‘Master Direction – Credit and Debit Card – Issuance and Conduct Directions, 2022’ dated April 21, 2022 realized by Reserve bank of India (RBI).

In case the credit card is not activated within 30 days of card open date, grace period of 7 days will be given to activate the card with the below mentioned modes. End of 37th day card will be closed (Details: rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12300)

Modes for Card Activation:

  • Through Credit Card usage – Use your Credit Card for at least 1 Online or POS transactions to keep your Credit Card active. 

Setting Credit Card PIN:

  • Through MyCards – Login to mycards.hdfc.bank.in > Choose Add -Credit Card > Enter the last 4 digits of your new credit card > Select Set PIN > input your desired 4 digit PIN Through ATM – Card holders can set their 4-digit Credit Card PIN at HDFC BANK ATM with green PIN shared to the registered Mobile No.

  • Through IVR – Card holders can set their 4-digit Credit Card PIN by calling IVR No. 1860 266 0333. Upon calling the IVR please input your card number, validate through OTP and set your preferred PIN.

  • Through NetBanking – Log in to our Net Banking and visit Cards. Choose Change PIN and set your preferred PIN (available only for customers holding savings/salary/current accounts)

Enabling your online, contactless and international transactions:

  • Through Whatsapp Banking – Please save the number 7070022222 and send a message "Manage My Credit Card" to enable. Alternatively, you can click here.

  • Through Eva – To interact with Eva, please click here and choose your preferred transactions to enable.

Card Control and Redemption

Reward Points Redemption & Validity

Customers can redeem their reward points in two ways – 

  • As cashback in the statement against their outstanding credit card balance through HDFC Bank Netbanking portal.

  • Towards a wide range of offerings on HDFC Bank SmartBuy platform.

Redemption value

  • 1 Reward Point is equivalent to Re.1 when redeemed as cashback against statement credit.

  • 1 Reward Point is equivalent to Re.0.3 of SmartBuy (Flights/Hotels, Airmiles & Product Catalogue).

Please Note –

  • The minimum Reward Point balance required for redemption against the statement balance is 500 Reward Points.

  • Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation.

  • Maximum cashback redemption of Rs 7,500 per calendar month.

  • Unredeemed Reward Points will expire/lapse after 2 years of accumulation

  • If the cardholder opts for redemption as Cashback against statement, there will be no redemption fee levied.

Contactless payments

Additional Features

  • Interest-free Credit Period - Get up to 50 days of interest-free credit from the date of purchase. (subject to submission of the charge by the merchant)
  • Zero Cost Card Liability - Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.
Most Important Terms and Conditions

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.  
  • Click here for the Card Member Agreement - CMA Link
  • Click here for the Product FAQs - PhonePe Uno FAQs
  • Click here for the Reward Points T&Cs
Application Channels

Frequently Asked Questions

Frequently Asked Questions