HDFC Bank
HDFC Bank Visa Signature Credit Card
Mid-premium Visa Signature with global acceptance, lounge access, and fuel waivers
₹1,500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Mid-premium Visa Signature user
- Traveller
- Lifestyle spender
-
What we like
- Domestic + international lounge access
- Visa Signature tier privileges worldwide
- Lower joining fee than Regalia tier
-
Watch out for
- ₹1,500 non-waiver joining fee
- Only 2x base reward rate
- Standard 3.5% forex markup
Annual fee
₹1,500/yr
Reward rate
2x
Min. income
₹5,00,000
Forex markup
3.5%
Lounge access
Domestic + international
Eligibility
₹5 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
None beyond the reward rate
HDFC Bank Visa Signature Credit Card review: mid-premium Visa Signature tier with global acceptance, complimentary domestic + international lounge access, fuel surcharge waiver, and dining benefits.
Who is this for
- Mid-premium Visa Signature user
- Traveller
- Lifestyle spender
What we like
- Domestic + international lounge access
- Visa Signature tier privileges worldwide
- Lower joining fee than Regalia tier
Watch out for
- ₹1,500 non-waiver joining fee
- Only 2x base reward rate
- Standard 3.5% forex markup
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comHDFC Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 (max ₹500/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2 Reward Points per ₹150 on retail spend; 1 Reward Point per ₹150 on utility & insurance | Not explicitly stated | Redeemable via HDFC rewards portal across categories |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 2.00 | — | 0.50 |
| TRAVEL | 2.00 | — | 0.50 |
Benefits
-
Domestic + International Lounge Access Highlight
2 complimentary domestic lounge visits + 1 international lounge visit per quarter.
-
Global Acceptance
Accepted at all Visa merchants worldwide — Visa Signature tier privileges at hotels and travel merchants.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (max ₹500/month).
-
Dining Offers
Discounts at select partner restaurants via Visa's dining program.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹5,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
HDFC Bank Visa Signature Credit Card is the mid-premium Visa Signature tier. It targets travellers and lifestyle spenders with global acceptance, lounge access, and fuel waivers.
Fees and rewards
- Joining fee: ₹1,500 (non-waiver)
- Annual fee: ₹1,500, waived on annual spends ≥ ₹1,50,000
- Rewards: 2 Reward Points per ₹150 on retail spend
- Forex markup: 3.50%
Lounge and travel
- 2 domestic + 1 international lounge visit per quarter
- Visa Signature tier privileges at hotels and travel merchants worldwide
- 1% fuel surcharge waiver (max ₹500/month)
Eligibility
Minimum annual income ₹5,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the HDFC Bank Visa Signature Credit Card apply walkthrough →
Apply for HDFC Bank Visa Signature Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC Bank Visa Signature Credit Card worth it?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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