Importance of Contactless Payment Using Credit Cards

Contactless Payment

In the current years, performing contactless payment through credit cards have garnered immense popularity. Owing to technological advancements and the introduction of digitalisation, contactless payments have considerably changed the manner we perform financial transactions now. Explored here are why you must consider paying through credit cards in a contactless manner. 


Contactless payments enable faster transactions, reducing waiting times at checkout counters, especially in crowded places.


Contactless payments offer a hassle-free and swift payment experience, eliminating the need for physical cash or traditional card swiping.

Enhanced security

Contactless payments incorporate multiple layers of security measures, reducing the risk of fraud and unauthorised transactions.

Hygiene and safety

Contactless payments through credit cards promote a hygienic transaction experience by minimising physical contact, which has become crucial, especially now as we have undergone and recovered from the phase of the deadly COVID-19 pandemic. This phase was such that taught the importance to conduct contactless payments. 

Lower risk of loss or theft

Since contactless payments eliminate the need for physical card handling, the risk of losing or misplacing the card is significantly reduced.

Wider acceptance

Contactless payments are gaining widespread acceptance across various sectors, including retail, hospitality, transportation, and online platforms.

Rewards and benefits

Many credit cards, including HDFC cards, offer attractive rewards programs and cashback offers, making contactless payments even more appealing.

Seamless online shopping

Contactless payments extend to online platforms, enabling users to make secure and swift transactions without manually entering card details.

Budget management

Contactless payments provide users with detailed transaction records, enabling them to track their expenses more effectively.

Contactless public transport

Several Indian cities are adopting contactless payment systems for public transportation, offering commuters a seamless and cashless experience.

Financial flexibility

Contactless payments provide users with instant access to credit, allowing them to make necessary purchases even when they are short on cash.

Reduction of paper currency

Contactless payments contribute to the government’s vision of a less-cash economy by reducing reliance on physical currency.

Empowering small businesses

Contactless payments enable small businesses to accept digital payments without expensive infrastructure or equipment.

Increased financial inclusion

Contactless payments provide individuals who may not have access to traditional banking services with a secure and convenient payment solution.

Reduced transaction costs

Contactless payments minimise the need for physical cash handling and manual entry, resulting in reduced transaction costs for businesses.

Foreign travel convenience

Contactless payments are widely accepted internationally, making it convenient for Indian travelers to make purchases abroad.

Environmentally friendly

Contactless payments reduce the reliance on paper receipts and contribute to a greener and more sustainable environment.

Emergency cash advance

Contactless credit cards offer the option of emergency cash withdrawal in case of unforeseen circumstances.

Insurance coverage

Many credit cards, including HDFC cards, provide insurance coverage for various aspects, such as travel, medical emergencies, and purchase protection.

Credit score improvement

Consistent and responsible usage of contactless credit cards can positively impact an individual’s credit score.

Easy bill payments

Contactless credit cards allow users to conveniently settle utility bills, insurance premiums, and other recurring payments.

24×7 customer support

HDFC credit cards provide round-the-clock customer support, assisting cardholders with any queries or concerns they may have.

E-commerce security

Contactless payments offer enhanced security measures for online transactions, reducing the risk of data breaches and fraud.

Financial discipline

Contactless payments promote financial discipline by encouraging individuals to keep track of their expenses and spend responsibly.

Access to premium services

HDFC credit cards offer exclusive access to premium services, including airport lounges, concierge services, and dining privileges.

Cashback and rewards redemption

HDFC credit cardholders can accumulate reward points through contactless payments and redeem them for a variety of products and services.

Personalised offers

HDFC credit cards provide personalised offers and discounts based on an individual’s spending patterns and preferences.

Transparent transaction history

Contactless payments provide users with a transparent and easily accessible transaction history, aiding in financial planning and tax filing.

Contactless EMIs

Contactless payments provide the option to make easy and convenient Equated Monthly Installments (EMIs) for larger purchases, making them more affordable.

Contactless charity donations

Contactless payments make it easier for individuals to contribute to charitable causes by enabling quick and secure donations.

Contactless instalment plans

Some credit cards offer contactless instalment plans, allowing users to convert their high-value purchases into affordable monthly instalments.

Enhanced financial control

Contactless payments allow individuals to review their transactions in real time, enabling better financial decision-making and reducing the chances of overspending.

Contactless fuel payments

Many fuel stations now accept contactless payments, providing a faster and more convenient way to pay for fuel without the hassle of cash transactions.

Contactless transit cards

In addition to credit cards, contactless payment technology is also integrated into transit cards, allowing commuters to easily pay for bus and metro fares.

Contactless mobile wallets

Contactless payments can be made through mobile wallet apps, offering an additional layer of convenience and versatility for users.

Contactless hotel check-ins

Some hotels allow guests to make contactless payments during check-in, streamlining the process and minimising physical contact.

Contactless loyalty programs

Credit cards with contactless payment capabilities often provide integration with loyalty programs, allowing users to earn and redeem rewards seamlessly.

Contactless education fees

Educational institutions are embracing contactless payments for tuition fees, making it convenient for parents and students to settle educational expenses securely.

Contactless dining experiences

Restaurants and cafes are adopting contactless payment methods, enabling customers to pay their bills without handing over their credit cards.


Contactless payments using credit cards, such as the HDFC lifetime free credit card, have revolutionised the Indian payment landscape. They offer unparalleled convenience, enhanced security, and a host of benefits for individuals and businesses alike. From everyday purchases to travel expenses and utility bills, contactless payments provide a seamless and efficient way to transact in various contexts. 

With further technological growth and advancement, contactless transactions will undoubtedly capture the market and play a crucial role in moulding the financial transaction landscape in India and beyond, making our lives safer, easier, and more digitally connected. Also, note that in the case you have placed an HDFC credit card but wondering by when will you get the card’s delivery, then you can consider looking up the HDFC credit card status. This is an option available on the HDFC bank’s authentic website.