Before taking HDFC Bank credit card, this question often comes in the mind of people that how to use HDFC credit card? So that we can get maximum benefits through credit card. Through this article, we will tell you some special things about how to use HDFC credit card so that you can get maximum benefit by using your credit card.
Various types of credit cards are offered by HDFC Bank keeping in mind the requirement of the customers. You can choose any of these HDFC credit cards as per your requirement. You get to see HDFC credit cards ranging from normal category to premium category. It depends on your requirement which of these credit cards you choose.
With an HDFC credit, you get a host of benefits like shopping discounts, cashback, discount on food bills, reward point benefits, fuel surcharge waiver, entertainment discounts, airport lounge access etc. with no limit. If you use your HDFC credit card wisely, you can get maximum benefits from your credit card and increase your savings.
So how to use HDFC credit card? Know in more detail. We will discuss all the points through which you can get maximum benefits while using your credit card and increase your savings.
You can use an HDFC credit card in the following ways-
- Reward Points:
HDFC Bank provides you the benefit of reward points for using your credit card. You are encouraged to use your credit card more by earning reward points every time you make a transaction with your credit card.
Through this, you can earn maximum reward points using your credit card and you can easily redeem these reward points later from the gift catalogue. Through this you can get gift vouchers etc. Some credit cards even provide you money in exchange for reward points through which you can pay your credit card bill.
- Read Also Make BOB Credit Card PIN
So you have to use your HDFC credit card to make your daily payments. You will be making your payments mostly through cash, but for that you are not provided any kind of reward points or cashback. But if you make all your daily payments through credit card then you can avail the benefit of reward points on every payment. The more reward points you get. You will be able to increase your savings by using it more.
- Cashback and Discounts:
You are provided with the benefit of cashback and discounts when you make payments online or offline through a credit card. From time to time, various e-commerce websites provide you cashback and discount offers for online shopping. You can increase your savings by shopping through this and you are also provided with reward points on every purchase.
This way you definitely get cashback and discounts. Besides, you are also provided with reward points. Therefore, keep in mind that you should buy all the things you need through your credit card only so that you can get cashback and discounts as well as reward points on every purchase.
- Smart EMI :
Smart Payment facility is provided by HDFC to its credit card holders. Through this, you can choose to convert your big purchases into EMIs and repay them in easy monthly installments. Thus, if you want to buy a large amount of goods, you do not need to spend the money from your savings account. You can complete this purchase through your credit card and you can choose to repay the amount in easy monthly installments.
- Payment of utility bill:
Every person has to pay his utility bills like electricity bill, phone bill, water bill etc. every month. If you pay these utility bills through credit card, you do not get any benefit. But if you pay your utility bill through credit card, you get the benefit of cashback.
Therefore, you should pay your utility bills through credit card so that you can avail the benefit of cashback from paying these utility bills.
You can also pay your utility bill through the auto pay facility of your credit card. This does not require you to pay your utility bill every month. This happens automatically. This way you can avoid defaulting on payment of your utility bill.
- Benefits of Insurance Cover:
If you get insurance from an insurance company, then you have to pay a premium for it. But you can get the insurance cover for free through the use of your credit card.
If you take HDFC Credit Card, you are provided with insurance benefits like air accident insurance and liability insurance on loss of card etc. without paying any premium.
- Cash withdrawal facility from ATM:
Whenever you step out of the house you need to carry cash with you so that you can meet your money needs. But this is a risky thing because carrying cash with you involves concerns about its security. This is where a credit card provides you a lot of convenience. You can withdraw cash through ATM up to a certain percentage of your credit card limit.
Whenever required, you can withdraw cash not only from domestic ATMs but also from international ATMs. This way you can meet your needs immediately and you do not need to carry cash with you. This is also very beneficial from security point of view.
- Saving in fuel expenses:
You can also increase the savings on your fuel expenses by using your HDFC credit card. If you spend more on fuel then it can be very beneficial for you. You are given a rebate of 1% fuel surcharge when you refuel at any fuel station located in India. With this discount you can increase your fuel savings.
Apart from fuel transactions, you can get up to 5% cashback if you make other payments at the fuel station. If observed in this way, you can further increase your fuel mileage.
- Facility to add add-on card:
HDFC Credit Card also allows you to add add-on cards. Through this, you can also provide your household members the opportunity to avail the benefits of HDFC Credit Card.
- Balance Transfer Option:
HDFC Credit Card also provides you the facility to transfer balance. With this facility, you can choose to repay your other credit card dues or other loans by transferring them to your HDFC Bank credit card in easy monthly installments at a lower interest rate.
Thus, if you have any other outstanding amount or loan on which you have to pay high interest, then you can transfer it to your HDFC credit card and repay it at a lower interest rate and increase your interest savings.
- International Travel Benefits:
If you travel a lot internationally then an HDFC credit card can prove to be very helpful for you. You can make payments anywhere through your HDFC Credit Card during international travel. Additionally, when you need cash, you can also withdraw cash from international ATMs.
Apart from this, you can also use the airport lounge at the international airport without paying any fee. An HDFC credit card frees you from carrying cash while traveling internationally.
- Benefit in food bill:
You can also get discount on your food bill by using HDFC credit card. If you dine at HDFC Bank’s partner restaurants, you are offered up to 20% discount on the food bill.
Therefore, if you spend more on food then you should pay through HDFC credit card only so that you can get up to 20% discount on your food bill also.