MyFinCards
Visa Signature Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 0.75 Lakhs)

HDFC Bank
Lifestyle
Travel
Rewards
Best For: Frequent travelers seeking lounge access, Existing cardholders enjoying ongoing benefits

Visa Signature Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Points Validity

24 Months

Pros

  • Up to 50 days interest-free credit period
  • Priority Pass lounge access saving up to ₹8,300 yearly
  • Up to 3 free add-on cards for family
  • First-year fee waived on spending ₹15,000 within 90 days
  • Renewal fee waived on spending ₹75,000 in a year
  • Zero liability on fraudulent transactions
  • Contactless payment enabled

Cons

  • Card sourcing has been stopped; no new applications accepted
  • Cash advance fee of 2.5% with minimum ₹500
  • Interest rate of 3.49% per month on outstanding balances

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Unredeemed CashPoints expire after 2 years of accumulation

Interest-free period subject to merchant charge submission

No new applications being accepted

Key Benefits & Features

Up to 3 free add-on cards for family members

Up to 50 days interest-free credit period from date of purchase

Contactless payments enabled; PIN required for transactions ₹5,000 and above

EMV Chip Card technology for protection against unauthorised use

Zero liability on fraudulent transactions if reported immediately to 24/7 Call Centre

Official Terms & Conditions

About Visa Signature Credit Card

The HDFC Bank Visa Signature Credit Card is a premium credit card designed for cardholders seeking exclusive travel, lifestyle, and rewards benefits. Although new applications are no longer being accepted, existing customers continue to enjoy the full range of privileges this card has to offer. Cardholders earn 2 Reward Points for every ₹150 spent, with the flexibility to view and redeem points through a single, unified card management platform. The card also supports up to 3 free add-on cards for family members. Notable lifestyle benefits include savings of up to ₹8,300 annually on lounge access through Priority Pass, along with fuel savings for regular commuters. An interest-free credit period of up to 50 days from the date of purchase adds further financial flexibility. On the safety and convenience front, the card features EMV Chip technology for protection against unauthorised use, zero liability on fraudulent transactions when reported promptly to HDFC Bank's 24/7 Call Centre, and contactless payment capability at retail outlets. The annual fee is waived for first-year spends of ₹15,000 within the first 90 days, and the renewal fee is waived upon spending ₹75,000 in a year, making it a rewarding option for loyal, high-spending customers.

Expert Review

Our Verdict

Premium Visa card with lounge access, fuel savings, reward points & 50-day interest-free credit.

Frequently Asked QuestionsAbout Visa Signature Credit Card

FEESIs the Visa Signature Credit Card free?
The HDFC Bank Visa Signature Credit Card has an annual fee. However, you can get your first year's membership free by spending ₹15,000 within the first 90 days. You can also renew your membership for free by spending ₹75,000 in a year.
BENEFITSWhat are the benefits of a Visa Signature Credit Card?
The HDFC Bank Visa Signature Credit Card offers unparalleled travel benefits, a rewarding rewards program, savings on lounge access and fuel costs, free add-on cards, enhanced safety features, and interest-free credit for up to 50 days.
OTHERWhat is a Visa Signature Credit Card?
The HDFC Bank Visa Signature Credit Card is a premium card that offers exclusive benefits, rewards, and privileges to cardholders. Enjoy various travel benefits, reward points, CashBack, and savings.
APPLICATIONHow to apply for a Visa Signature Credit Card?
HDFC Bank is currently not accepting new applications for the Visa Signature Credit Card. Sourcing of this card has been stopped. However, you can explore a range of other Credit Cards that may suit your needs by visiting the HDFC Bank credit cards page to view available options and find the right card for you.
REWARDSWhat reward points do I earn on the Visa Signature Credit Card?
With the HDFC Bank Visa Signature Credit Card, you earn 2 Reward Points for every ₹150 spent. These points can be viewed and redeemed through a simple interface on the card management platform. Please note that unredeemed CashPoints will expire or lapse after 2 years of accumulation, so it is advisable to redeem them before they expire.
BENEFITSHow much can I save on lounge access with the Visa Signature Credit Card?
The HDFC Bank Visa Signature Credit Card provides Priority Pass lounge access, allowing cardholders to save up to ₹8,300 yearly on lounge visits. The Priority Pass membership is valued at $99. This benefit is ideal for frequent travelers who want to enjoy comfortable airport lounges without paying out of pocket.
FEESWhat is the interest rate charged on outstanding balances?
An interest rate of 3.49% per month is charged on any outstanding amount carried beyond the bill due date. To avoid interest charges, it is recommended that you pay your full outstanding balance before the due date. Revolving credit is also available at this nominal interest rate. Please refer to the fees and charges section on the HDFC Bank website for complete details.
FEESWhat is the cash advance fee on the Visa Signature Credit Card?
The cash advance fee on the HDFC Bank Visa Signature Credit Card is 2.5% of the withdrawn amount, with a minimum charge of ₹500. This fee is applicable on all cash withdrawals made using the card. It is advisable to use cash advances only when necessary, as interest charges also apply on withdrawn amounts from the date of transaction.
BENEFITSHow many add-on cards can I get with the Visa Signature Credit Card?
The HDFC Bank Visa Signature Credit Card allows you to get up to 3 free add-on cards for your family members. These add-on cards let your family enjoy the same card benefits and features. This is a great way to extend privileges such as reward points, lounge access, and other card benefits to your loved ones at no additional cost.
USAGEIs the Visa Signature Credit Card enabled for contactless payments?
Yes, the HDFC Bank Visa Signature Credit Card is enabled for contactless payments at retail outlets. In India, contactless payments up to ₹5,000 do not require a PIN for a single transaction. For transaction amounts of ₹5,000 or more, the cardholder must enter their Credit Card PIN. Look for the Contactless Network Symbol on your card to confirm it supports this feature.
BENEFITSWhat is the interest-free credit period on the Visa Signature Credit Card?
The HDFC Bank Visa Signature Credit Card offers up to 50 days of interest-free credit from the date of purchase. This benefit is subject to the submission of the charge by the merchant. To take full advantage of this interest-free period, ensure you pay your outstanding balance in full before the payment due date mentioned in your monthly credit card statement.
BENEFITSWhat protection does the Visa Signature Credit Card offer against fraudulent transactions?
The HDFC Bank Visa Signature Credit Card offers zero liability on fraudulent transactions, provided you report them immediately to HDFC Bank's 24/7 Call Centre. Additionally, the card uses EMV Chip Card technology that protects against unauthorised use when you shop anywhere. Timely reporting of suspicious activity ensures you are not held responsible for any unauthorized charges on your account.
OTHERCan existing Visa Signature Credit Card customers continue to use their card?
Yes, while HDFC Bank has stopped sourcing new applications for the Visa Signature Credit Card, existing customers can continue to enjoy all the card's benefits and features without any disruption. Your card remains valid and all privileges, including reward points, lounge access, add-on cards, and other benefits, will continue as before.
USAGEHow can I track my reward points on the Visa Signature Credit Card?
You can view and manage your Visa Signature Credit Card reward points through the HDFC Bank card management platform, which offers a single unified interface for Credit Cards, Debit Cards, FASTag, and Consumer Durable Loans. The platform provides a simple interface to track all your spends and allows you to view and redeem reward points at the push of a button. You can also use the MyCards portal for managing your rewards.
FEESHow do I get the annual fee waived on renewal of the Visa Signature Credit Card?
To get the renewal fee waived on your HDFC Bank Visa Signature Credit Card, you need to spend ₹75,000 or more in a year. Additionally, for first-year fee waiver, you must spend ₹15,000 within the first 90 days of receiving the card. Meeting these spending milestones ensures you continue to enjoy the card's premium benefits without paying any annual membership fees.

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