HDFC Bank Credit Card Offers and Welcome Benefits

Is there an HDFC Bank credit card coupon code?

HDFC Bank does not sell anything at a checkout, so there is no coupon code to type in when you apply for a card. What the bank does publish are welcome benefits, joining fee waivers and a seasonal Festive Treat for new applicants. Those are the offers on this page, taken from the credit card section of hdfc.bank.in on 3 November 2026. One card benefit does use a code: Millennia cardholders get an extra 10% off Swiggy Dineout with the code shown on the bank's Millennia page.

Current HDFC Bank credit card offers

• Festive Treat: up to ₹4,350 in benefits for a new card, made up of a ₹750 activation voucher, ₹1,000 in EasyEMI vouchers, ₹800 in SmartPay Spend Reward vouchers and up to ₹1,800 SmartPay cashback. The bank shows no end date and says terms apply.
• Swiggy Ornge: a free 12 month Swiggy One membership when the card is activated.
• Swiggy BLCK: joining fee waived on ₹75,000 spend within 90 days, plus a free 3 month Swiggy BLCK membership.
• PIXEL Play: the fees section lists ₹500 + taxes, with the joining fee waived on ₹20,000 spend in the first 90 days. The page header also calls the card Lifetime Free, so check the fee shown when you apply.
• Shoppers Stop Black: a ₹1,500 welcome voucher.

Fees and fee waivers HDFC Bank publishes

The Millennia Credit Card has a joining and renewal fee of ₹1,000 + taxes, and the renewal fee is waived when you spend ₹1,00,000 or more in the year before renewal. It also gives a ₹1,000 gift voucher or one domestic lounge visit for each calendar quarter with ₹1,00,000 of spend. The PIXEL Play card waives its renewal fee on the same ₹1,00,000 yearly spend. Both cards list up to 50 days of interest free credit from the date of purchase, and a 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle.

Who can apply

HDFC Bank's listed criteria are: at least 18 years old, an Indian national, resident or non-resident Indian, and salaried or self-employed. The bank decides eligibility and the credit limit from your annual income, and approval is the bank's decision alone.

How to use these offers

Pick the card for the benefit you would actually use, read its fees and charges page and its Most Important Terms and Conditions, and note any spend target and its time limit before you apply. Interest is charged on balances not paid in full by the due date.

This page lists offers as HDFC Bank publishes them. It is not financial advice. Offers on this page were checked on HDFC Bank's own website on 3 November 2026.