Ways to Enhance Benefits of Your HDFC Credit Card

HDFC Bank is India’s largest private sector bank in terms of assets and market capitalization. The Bank offers credit cards in every other category, be it for travel purposes, fuel, shopping, or any other, the bank offers credit cards with many benefits in every category. 

If you own any HDFC credit card then you must be enjoying the privileges associated with the card. As the benefits provided with each card are stupendous. The Bank offers in its cards, world-class unmatched benefits like lounge access, dining benefits, tons of reward points or cashback, golf programs, lower charges, and whatnot. But today, we are not going to talk about the benefits of the cards by the HDFC Bank, rather, we are going to talk about the ways in which you can enhance the benefits of your HDFC credit card.

• Use the card for its desired benefits:

Every HDFC credit card offers tons of reward points and cash back in many categories. Most of the cards provide these points in specific categories or with merchants. Therefore, you should always use your card for transactions that would fetch you lots of points. Rather than using those transactions which would not be offering you any benefits. Also, with every HDFC Card you get accelerated Reward points on the transactions made with the HDFC cards. These points can redeemed for exciting HDFC Smartbuy offers and vouchers.

• Use your Points before they expire:

With most HDFC cards, you earn lots of reward points, which you can redeem for a number of items. However, generally the HDFC reward points have a validity period of 2 years. After which they expire and you would not be able to use them anymore. Therefore, you should take care of the same and utilize the points for their desired benefits.

• Settle your dues on time:

HDFC cards come with a free interest period of generally 50 days. Within those days you would not be facing any finance charges. However, if you do not settle your dues within the given time frame, you would face heavy charges on the outstanding amount. Therefore, you should utilize the time you have and settle your bills in time. Also, if you don’t pay the bill, then the free interest period may also be withdrawn by the Bank.

• Maintain a good credit score:

Maintaining a good credit score is very crucial if you are using a credit card. A good credit score will benefit you a lot in the long run. You can easily avail loans from the bank and also your relationship will be good with the Bank. A good relationship with the bank will benefit you in terms of the increased credit limit or might also help you in settling your dues. 

Additional Reading: What Are The Different Types Of HDFC Credit Cards?