HDFC Snapdeal Credit Card: Sab Kuch Janiye Iske Baare Mein!
Online shopping ka craze aaj kal har kisi ko hai, aur jab baat aati hai smart shopping ki, toh "HDFC Snapdeal Credit Card" ek shandaar option hai. Yeh card na sirf aapko Snapdeal pe amazing offers deta hai, balki daily transactions mein bhi kaafi faida utha sakte hain. Is article mein hum is card ke baare mein sab kuch detail mein batayenge – iske features, benefits, kaise apply karna hai, aur kya eligibility criteria hai. Toh chaliye, shuru karte hain!
HDFC Snapdeal Credit Card Kya Hai?
HDFC Snapdeal Credit Card ek co-branded credit card hai jo HDFC Bank aur Snapdeal ne milke launch kiya hai. Yeh card especially un logon ke liye design kiya gaya hai jo online shopping, khas kar Snapdeal pe, bahut karte hain. Is card ke saath aapko reward points, cashback, aur exclusive discounts milte hain jo aapke shopping experience ko aur bhi mazedaar bana dete hain.
Yeh card tier-2 aur tier-3 cities ke customers ke liye bhi perfect hai, jahan cash-on-delivery (COD) abhi bhi popular hai, lekin digital payments ko promote karne ke liye yeh ek shandaar tareeka hai.
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Key Features of HDFC Snapdeal Credit Card
Welcome Offer: Card activate hone ke 30 din ke andar ₹2000 ka Snapdeal voucher aur 500 reward points milte hain.
Reward Points: Har ₹150 ke kharch pe 2 reward points, aur Snapdeal pe shopping karne pe 10X reward points (20 points per ₹150).
Instant Discounts: Snapdeal pe ₹1000 ke minimum transaction pe 10% discount (max ₹500 per transaction).
Fuel Surcharge Waiver: Petrol pumps pe ₹400 ke upar ke transactions pe ₹250 tak ka fuel surcharge waiver har billing cycle mein.
Secure Transactions: EMV chip aur magnetic strip ke saath safe payments.
Interest-Free Credit: 50 din tak interest-free credit facility.
Annual Fee Waiver: Agar aap previous year mein ₹1,50,000 spend karte hain, toh annual fee waive ho jati hai.
HDFC Snapdeal Credit Card Ke Benefits
Yeh card aapke wallet ke liye ek all-rounder hai. Chahe aap Snapdeal pe shopping kar rahe ho ya daily expenses manage kar rahe ho, iske benefits aapko har jagah faida dete hain.
Why Choose HDFC Snapdeal Credit Card?
Snapdeal Pe Extra Savings: 5% instant discount aur 10X reward points Snapdeal aur SmartBuy pe shopping ke liye.
Reward Points Redemption: Aapke reward points ko Snapdeal vouchers ke against redeem kar sakte hain. Points ki validity 2 saal hoti hai.
Zero Liability on Lost Card: Agar aapka card kho jata hai aur aap turant report karte hain, toh fraudulent transactions ka koi liability nahi hoga.
Cashback on Other Apps: Ola, Cleartrip, aur Freecharge jaise apps pe bhi cashback offers.
Flexible Payments: Online banking, mobile app, ya auto-debit ke through aasani se bill payments.
HDFC Snapdeal Credit Card Ke Liye Kaise Apply Karein?
HDFC Snapdeal Credit Card ke liye apply karna bahut hi simple hai. Aap online ya offline dono tarike se apply kar sakte hain. Niche step-by-step process diya gaya hai:
Online Application Process
1. Official Website Visit Karein: HDFC Bank ki official website (www.hdfcbank.com) pe jayein aur ‘Credit Cards’ section mein Snapdeal Credit Card select karein.
2. Application Form Bharein: Apna naam, contact details, income details, aur PAN card number enter karein.
3. Documents Upload Karein: Identity proof, address proof, aur income proof ke scanned copies upload karein.
4. Submit Karein: Form submit karne ke baad, bank aapke application ko review karega.
5. Verification Process: Bank aapko call ya email karega for verification. Agar sab kuch thik raha, toh card 7-10 working days mein deliver ho jayega.
Offline Application Process
Bank Branch Visit Karein: Nazdeeki HDFC Bank branch mein jayein aur Snapdeal Credit Card application form mangayein.
Documents Submit Karein: Form ke saath required documents jama karein.
Verification: Bank officials aapke documents verify karenge, aur card approval ke baad aapko deliver kar diya jayega.
Pro Tip: Apply karne se pehle apna CIBIL score check kar lein. Good credit score (750+) se approval chances badh jate hain.
Important Documents for HDFC Snapdeal Credit Card
Card ke liye apply karte waqt aapko kuch zaroori documents submit karne honge. Yeh documents aapke identity, address, aur income ko verify karte hain.
Identity Proof:
- PAN Card
- Aadhaar Card
- Voter ID
- Passport
Address Proof:
- Aadhaar Card
- Ration Card
- Electricity Bill
- Telephone Bill
- Passport
Income Proof:
- Latest 3 months’ salary slips (salaried individuals)
- ITR (self-employed individuals)
- Bank statement (last 3-6 months)
Note: Documents ki exact requirement bank ke discretion pe depend karti hai.
Eligibility Criteria for HDFC Snapdeal Credit Card
HDFC Snapdeal Credit Card ke liye eligible hone ke liye aapko kuch basic criteria fulfill karne honge:
Age:
- Salaried Individuals: 21 se 60 saal
- Self-Employed Individuals: 21 se 65 saal
Nationality:
- Indian citizen ya Non-Resident Indian (NRI).
Income:
- Salaried: Minimum ₹25,000 monthly income (exact amount bank ke discretion pe depend karta hai).
- Self-Employed: Stable income aur minimum 12 months ka business track record.
Credit Score:
- Good credit history aur 750+ ka CIBIL score preferred hai.
Employment:
- Stable job ya business with consistent income.
Additional Information About HDFC Snapdeal Credit Card
★Fees and Charges
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (waived off agar aap ₹1,50,000 spend karte hain previous year mein).
Interest Rate: 3.49% monthly (41.88% annually).
Cash Withdrawal Limit: Card ke credit limit ka ek hissa cash withdrawal ke liye available hota hai, lekin ispe extra charges lagte hain.
Reward Points Redemption Process
Online Redemption: HDFC Bank ke net banking ya mobile app pe login karein, ‘Rewards’ section mein jayein, aur Snapdeal vouchers ke against points redeem karein.
Offline Redemption: HDFC Bank ki website se Reward Points Redemption Form download karein, fill karein, aur specified address pe send karein.
Phone Banking: HDFC customer care pe call karke bhi redemption request daal sakte hain.
FAQs About HDFC Snapdeal Credit Card
1. Kya HDFC Snapdeal Credit Card sirf Snapdeal pe hi use ho sakta hai?
Nahi, yeh card aap kisi bhi merchant ya website pe use kar sakte hain jahan Visa/Mastercard accept hota hai. Lekin Snapdeal pe aapko extra rewards aur discounts milte hain.
2. Reward points ki validity kitni hoti hai?
Reward points 2 saal tak valid hote hain, uske baad expire ho jate hain.
3. Kya is card pe EMI option available hai?
Haan, lekin EMI option specific transactions aur merchant pe depend karta hai. Snapdeal pe EMI option limited ho sakta hai, iske liye customer care se confirm karein.
4. Card kho jaye toh kya karna chahiye?
Turant HDFC Bank ke 24x7 customer care pe call karein ya net banking ke through card block kar dein. Aapko fraudulent transactions ka koi liability nahi hoga agar aap time pe report karte hain.
5. Kya yeh card lifetime free hai?
Nahi, iski annual fee ₹500 + GST hai, lekin ₹1,50,000 ke annual spend pe yeh waive ho sakti hai.
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Conclusion
HDFC Snapdeal Credit Card un logon ke liye perfect hai jo online shopping, especially Snapdeal pe, karna pasand karte hain. Iske shandaar rewards, instant discounts, aur secure payment features isse ek must-have card banate hain. Bas apna credit score check karein, required documents ready rakhein, aur aaj hi apply karein! Agar aapko is card ke baare mein aur koi sawal hai, toh neeche comment karein, hum aapki help zaroor karenge.
"Ab aapki baari hai!" Kya aap is card ke liye apply karne ka soch rahe hain? Ya aapke paas already yeh card hai? Apna experience share karein!
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