HDFC Equitas Excite Credit Card: The HDFC Equitas Excite Credit Card, co-branded in partnership with Equitas small finance bank and HDFC Bank. The HDFC bank has launched 2 separate credit card in the partnership with Equitas small finance bank i.e., HDFC Bank Equitas Excite Credit Card and HDFC Bank Equitas Elegance Credit Card.
The card comes with offers and benefits for its users in different categories from milestone benefits to fuel surcharge waiver and many more. There are many other exclusive privileges provided by the card such as cashback, reward points, travel and so on.
Therefore, Here in this article we are going to see the benefits and offers provided by HDFC Equitas Excite Credit Card, and also the eligibility to apply for the same.
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Contents
1. HDFC Equitas Excite Credit Card Features and Benefits
The HDFC Equitas Excite Credit Card offers great deals to its customer in different categories, such as milestone benefits, Cashback, travel benefits and Reward ponits and many more.
Here we have mentioned the features and benefits offered by the HDFC Equitas Excite Credit Card:
- Milestone Benefits: On spending Rs. 20,000, get 500 reward points as a bonus in a month and on spending Rs. 1,80,000, you can enjoy 2,500 bonus reward points in a year.
- Travel Benefits: As a travel benefit, get 2X reward points on flight and hotel bookings
- Reward Point Benefits: As Cashbank Benefit, get 2 reward points for spending every Rs. 150, 3X reward points on fuel, utility bills, tax payments, and IRCTC transactions and grocery spend. The Reward point earnings are capped at 500 per month and Rental and government payments are excluded.
- Fuel Surcharge Waiver: On your fuel transactions between Rs. 400 and Rs. 5,000, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India with max waiver capped at Rs. 500 per calendar month.
These are the benefits you get through HDFC Equitas Excite Credit Card.
2. HDFC Equitas Excite Credit Card Fees and Charges:
- The Annual fee and renewal fee charges, an annual membership fee of Rs. 500 (Waived off on spending Rs. 1 Lakh a year)
- The Cash withdrawal fee, is 2.5% of the withdrawn amount i.e., minimum Rs. 500.
- An interest rate of 3.75% per month (45% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: upto Rs. 100: Rs. 0, From Rs. 101 to Rs. 500: Rs. 100, From Rs. 501 to Rs. 5,000: Rs. 500, From Rs. 5,001 to Rs. 10,000: Rs. 600, From Rs. 10,001 to Rs. 25,000: Rs. 800, From Rs. 25,000 to Rs. 50,000: Rs. 1,100 and More than Rs. 50,000: Rs. 1,300.
3. HDFC Equitas Excite Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for HDFC Equitas Excite Credit Card are as follows:
- The age limit for applying for this card of 21- 65 years of age.
- The cardholder should own a registered business with a stable income.
- The cardholder should have an income of Rs. 24,000 and above or lakh per annum and a good credit score history.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for HDFC Equitas Excite Credit Card:
For HDFC Equitas Excite credit card you can apply either online or offline. For offline mode, you can visit your nearest HDFC Bank branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your HDFC Equitas Excite credit card:
- Step 1: Visit Official website of the HDFC Bank- www.hdfcbank.com
- Step 2: Click on ‘Cards’ option, under personal Banking section.
- Step 3: Then, select ‘Credit Card’ option.
- Step 4: Choose the ‘HDFC Equitas Excite Credit Card’, under ‘other credit cards’ option.
- Step 5: Click on ‘Apply Now’.
- Step 6: Enter your mobile number and captcha to start the application, and all the requested details and providing the required documents.
This the way in which you can apply for HDFC Equitas Excite credit card online.
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