HDFC Credit Card Referral Program

Last Updated on February 13, 2026 by Muskan Sinha

HDFC, India’s leading financial bank, offers several credit cards from entry-level to premium cards, which help every shopaholic with their expenses. With these credit cards offering maximum cash back, rewards, travel benefits, fuel benefits, and simplifying payments, there is a possibility to earn rewards with every swipe. 

Whether you are a foodie, a travel enthusiast, or love shopping, you can do that guilt-free without checking your expenses. Wondering how? Thanks to the amazing HDFC credit cards, which offer discounts and extra benefits. Additionally, you can invite your family and friends to share the benefits of using these cards through the HDFC credit card referral program. 

Top 4 HDFC Credit Cards

For every frequent buyer or wise spender, choosing the right credit card is the ultimate decision to make, especially in this time of online shopping. If you are looking for your wallet’s best friend – a suitable credit card that matches with your lifestyle and spending habits, then don’t worry we have a solution for you. 

We have listed below the top four HDFC credit cards based on rewards, their joining fees and other benefits they offer. 

1. HDFC Millennia 

The HDFC Millennia credit card is perfect for every millennial and Gen z who have a zest for online shopping, dining out and going to movies. Basically this is a smart entry level card which is ideal for everyday expenses. 

Benefits 

• Joining/Annual Fees – Rs 1000
• 5% Cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Tata Cliq, SonyLiv, Uber. 
• Airport Lounge Access 
• 10% discount on Swiggy Dine out
• 1% Fuel Surcharge waiver on transaction between Rs 400 and Rs 5000

2. HDFC Swiggy 

For every foodie who loves exploring new restaurants and satisfying their midnight cravings, the HDFC Swiggy credit card will let you do that without guilt. If you are a Swiggy loyalist, then spending money on delicious meals will turn out as a sweet reward. 

Benefits 

• Joining Fee/Annual Fee – Rs 500
• 10% discount on Swiggy dine out, Instamart and food delivery
• 3 month Swiggy One membership free
• Fee waiver on annual spend of Rs 2 lakh
• 5% cashback on other online spend

3. HDFC MoneyBack+

If you are looking to earn rewards on every spend, then this HDFC MoneyBack+ credit card is designed for you. Who wouldn’t love getting cashback points on their shopping endeavors? So, if you want to maximize savings on everyday spends, this is the card for you.

Benefits 

• Joining/Annual Fee – Rs 500
• 10x cashback points on Amazon, Flipkart, Bigbasket, Swiggy, Reliance Smart and Digital.
• 2x cashback points per Rs 150 on online spend
• 1% waiver on fuel transaction between Rs 400 and Rs 5000
• Gift voucher worth Rs 2000 every year

4. HDFC Tata Neu Credit Card 

With HDFC Tata Neu Credit card, you can get extraordinary rewards and cashback points on every purchase you make. Yes, this simply is one of the best credit cards and helps you save 10% on your spendings. Are you ready to make your savings double? You can use this referral code (SHUB20910) to earn 700 Neucoins to unlock exclusive rewards on Tata Neu’s app. 

Tata Neu Credit Card Variants 

Depending on your spending habits and lifestyle, you can choose any of these two Tata Neu credit cards which offer premium benefits. With these cards you can collect many Neucoins and use them on your next purchases. 

1. Tata Neu Infinity HDFC Credit Card
2. Tata Neu Plus HDFC Credit Card

Benefits 

• Joining Fee – Rs 1499
• 5% cashback as Neucoins on Non EMI Tata Neu and partner Tata brands.
• 1.5% cashback as Neucoins on non Tata Brands.
• 1% fuel charge waiver on fuel spent between Rs 400 and Rs 5000.
• 4% per annum International airport lounge access. 

HDFC Credit Card Referral Program 

The HDFC credit card referral program is a fantastic way for existing HDFC credit card holders to earn rewards by inviting new customers to leverage the benefits of the HDFC credit cards. This referral program ensures you and your loved ones make the most of the festival season and save big with cashback and rewards. In this HDFC credit card refer and earn program, there is no extra cost one needs to pay. 

The process is simple, you refer HDFC credit card to someone and they apply for a card using your invite. Once they complete a transaction using their credit card, then both you and them receive a voucher worth Rs 250. The entire process is online ensuring ease of operation. The earning potential in this program is high as there is no cap on referrals meaning you can refer HDFC credit card to as many people as you want. 

How to refer HDFC Credit Card?

Turning your recommendations into rewards is now at your fingertips. In this program, there is no need for a specific HDFC referral code. Then how to refer? There are two ways – using Payzap refer and earn program and using the HDFC credit card portal.  

If you are using the referral link, the following steps should be considered:

Step 1: Simply log  into the HDFC credit card portal using your registered phone number.

Step 2: There you have to provide certain information about the person who you want to refer to –  their name, contact number, Email ID and their residence city. 

Step 3: After submission of the form, a referral link will be generated that you can easily share with your referee via WhatsApp, SMS or any social media platform.

Step 4: Once they apply for a credit card using your referral link and make their first transaction, both of you will receive great rewards. 

How does the HDFC Referral Program work?

This referral program is designed in a way that you and your loved ones avail the various benefits of using an HDFC credit card. 

• To get rewarded in this refer and earn program, the person who you refer to must apply for a card within 30 days after the generation of link. 
• They are also required to make their first financial transaction using the HDFC credit card within 14 days of card issuance. 
• Once they do that, both you and the referee are eligible to receive a voucher worth Rs 250. 
• You can refer to as many people as you want and collect most of these vouchers to benefit on your expenses. 
• One thing that you should note is the contact information on the credit card portal and card application must be the same. 
• Also the person you refer to should not possess an HDFC credit card before, otherwise the referral will be invalid. 

Benefits of the HDFC Credit Card Referral Program 

• The entire referral process is digital and seamless through HDFC credit card portal. 
• No additional cost required for referral. 
• The referrer and referee both receive a voucher worth Rs 250
• No limit on referral which leads to a high earning potential. 

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Muskan Sinha

Muskan Sinha is a creative and passionate content writer, skilled at delivering high quality , engaging and SEO friendly content across diverse niches. With a zeal for storytelling and great critical thinking, she delivers clear, informative and impactful content that boosts audience engagement.