Compare Cards India - Apply Right Credit Card For You

HDFC MoneyBack Credit Card	HDFC Bank UPI RuPay Credit Card Apply Now	HDFC Bank Millennia Credit Card Apply Now	HDFC Bank Regalia Credit Card Apply Now
Joining Fee Rs. 500 + GST	Joining Fee Rs. 99 + GST	Joining Fee Rs. 1,000 + GST	Joining Fee Rs. 2,500 + GST
Rewards and Benefits
Welcome Benefits Get 500 Cash Points.	Welcome Benefits NA	Welcome Benefits 1,000 CashPoints as a Welcome Benefit.	Welcome Benefits 2,500 bonus Reward points
Rewards Rate 4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spend, reward rate of up to 0.67%.	Rewards Rate 3% Cashpoints on groceries, dining, and supermarket spends2% Cashpoints on utility spends1% Cashpoints on other spends, with some exclusions	Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)	Rewards Rate 4 reward points every time one spends Rs. 150.
Movie & Dining Exclusive dining benefits with the Good Food Trail program. Save up to 20% on your restaurant bills through Swiggy Dineout	Movie & Dining 3% Cashpoints on Dining spends	Movie & Dining Up to 20% discount at partner restaurants with complimentary Swiggy Dineout	Movie & Dining Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.
Reward Redemption 1 Reward Point = Rs 0.20 for redemption against the statement balance. 1 Reward Point = Rs. 0.25 for redemption through Smartbuy Rewards portal	Reward Redemption The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25	Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.	Reward Redemption 1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.
Travel N/A	Travel NA	Travel 4 complimentary airport lounge access every year, 1 per quarter	Travel Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.
Golf N/A	Golf NA	Golf N/A	Golf N/A
Domestic Lounge N/A	Domestic Lounge NA	Domestic Lounge 1 Domestic Airport Lounge Access Every Quarter (4 Each Year)	Domestic Lounge 8 free airport lounge access per year within India.
International Lounge N/A	International Lounge NA	International Lounge N/A	International Lounge 6 airport lounge access every year outside India through the Priority Pass.
Insurance Benefits N/A	Insurance Benefits NA	Insurance Benefits N/A	Insurance Benefits Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.
Zero Liability Protection Zero Liability Protection cover is provided by the HDFC bank against fraudulent transactions on your credit card if the loss is reported immediately within a stipulated time to the 24-hour HDFC Customer helpline	Zero Liability Protection Cardholders are not liable for fraud transactions if they report about the card loss or theft in a timely manner	Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.	Zero Liability Protection You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.
Fees & Charges

Renewal Fee Rs. 500 + GST	Renewal Fee Rs. 99 + GST	Renewal Fee Rs. 1,000 + GST	Renewal Fee Rs. 2,500 + GST
Spend Based Waiver The renewal fee is waived off on spending Rs. 50,000 or above in the previous year.	Spend Based Waiver Renewal fee is waived off on spending Rs.25,000 or more in the previous year	Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.	Spend Based Waiver Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.
Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)	Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)	Rewards Redemption Fee Rs 99 (plus applicable taxes)
Foreign Currency Markup 3.5% per currency conversion (plus applicable taxes)	Foreign Currency Markup 3.5% of the transactions amount	Foreign Currency Markup 3.5% (plus applicable taxes)	Foreign Currency Markup 2% on all foreign currency transactions.
Interest Rates 3.6% per month (43.2% per annum)	Interest Rates 3.6% per month or 43.2% per annum	Interest Rates 3.6% per month (or 43.2% per annum)	Interest Rates 3.6% per month or 43.2% annually
Fuel Surcharge 1% fuel surcharge waiver on all your fuel transactions using this credit card at all petrol pumps across India	Fuel Surcharge NA	Fuel Surcharge 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.	Fuel Surcharge 1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.
Cash Advance Charges 2.5% of the withdrawal amount subject to a minimum charge of Rs 500	Cash Advance Charges 2.5% of the withdrawal amount or Rs. 500, whichever is higher	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500	Cash Advance Charges 2.5% of the transaction amount or Rs. 500 (whichever is higher)
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

HDFC MoneyBack Credit Card

HDFC Bank UPI RuPay Credit Card

HDFC Bank Millennia Credit Card

HDFC Bank Regalia Credit Card

Rewards and Benefits

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