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HDFC Bank Regalia Gold Credit Card Apply Now	HDFC Bank Diners Club Black Credit Card Apply Now	Tata Neu Infinity HDFC Bank Credit Card Apply Now	HDFC Bank Millennia Credit Card Apply Now
Joining Fee Rs. 2,500 + GST	Joining Fee Rs. 10,000 + GST	Joining Fee Rs. 1,499 + GST	Joining Fee Rs. 1,000 + GST
Rewards and Benefits
Welcome Benefits Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued	Welcome Benefits Get complimentary annual membership of Forbes, Club Marriott, Times Prime, MMT Black, Amazon Prime, and Swiggy One (3 Months) on spending Rs. 1,50,000 or more in the first 90 days of card issuance	Welcome Benefits 1,499 NeuCoins on Tata Neu App	Welcome Benefits 1,000 CashPoints as a Welcome Benefit.
Rewards Rate Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital	Rewards Rate 5 Reward Points on every spend of Rs. 150. 10x Reward Points on SmartBuy and 2x Reward Points on weekend dining	Rewards Rate 10% cashback (in the form of Neucoins) on the Tata Neu app, 5% cashback on Tata partner brands, and 1.5% cashback elsewhere.	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)
Movie & Dining 20% Discount via Swiggy Dineout	Movie & Dining 2X Reward Points on weekend dining	Movie & Dining NA	Movie & Dining Up to 20% discount at partner restaurants with complimentary Swiggy Dineout
Reward Redemption Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65	Reward Redemption HDFC Bank Diners Club Black Reward Points are redeemable for flight/hotel bookings (1 RP = Re. 1) on SmartBuy, for AirMiles (1 RP = 1 AirMile), on Diners Club exclusive rewards redemption catalog (1 RP = Re. 0.5) and for cashbacks (1RP = Rs. 0.30).	Reward Redemption The earned Neu Coins can be redeemed against Tata partner brands on the tata Neu app at a rate of 1 Neu Coin = Re. 1.	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.
Travel Complimentary Flight Tickets on Reaching Spend Milestones	Travel Complimentary lounge access at 1,000+ airports in India and abroad, Reward Points redeemable for flight and hotel bookings on SmartBuy (1RP = Re. 1).	Travel NA	Travel 4 complimentary airport lounge access every year, 1 per quarter
Golf NA	Golf 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.	Golf NA	Golf N/A
Domestic Lounge 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)	Domestic Lounge Unlimited complimentary access to the domestic lounges	Domestic Lounge 8 complimentary domestic lounge access every calendar year	Domestic Lounge 1 Domestic Airport Lounge Access Every Quarter (4 Each Year)
International Lounge 6 complimentary international lounge access	International Lounge Unlimited complimentary access to the international lounges	International Lounge 4 complimentary international lounge access each year	International Lounge N/A
Insurance Benefits Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs	Insurance Benefits Travel-related insurance benefits including an air accident cover worth Rs. 2 crores, emergency overseas hospitalization cover worth Rs. 50 Lakhs, and a credit liability cover worth up to Rs. 9 lakh.	Insurance Benefits Insurance cover worth ₹1 crore against air accidents, cover worth ₹15 lakhs against emergency hospitalization and lost card liability cover worth up to ₹9 lakhs.	Insurance Benefits N/A
Zero Liability Protection Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner	Zero Liability Protection Zero liability protection worth Rs. 9 lakh against a lost/stolen card.	Zero Liability Protection The cardholders will not be liable for fraudulent transactions made on a lost/stolen card if they report it within 48 hours.	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.
Fees & Charges

Renewal Fee Rs. 2,500 + GST	Renewal Fee Rs. 10,000 + GST	Renewal Fee Rs. 1,499 + GST	Renewal Fee Rs. 1,000 + GST
Spend Based Waiver Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year	Spend Based Waiver Waiver of renewal fee on spending Rs. 5,00,000 in the previous year.	Spend Based Waiver The renewal fee is waived off on achieving annual spends of Rs. 3 lakhs or more.	Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Rewards Redemption Fee Rs. 99	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup 2% on all forex transactions	Foreign Currency Markup 1.99% (plus applicable taxes)	Foreign Currency Markup 2% of the total transaction amount.	Foreign Currency Markup 3.5% (plus applicable taxes)
Interest Rates 3.6%	Interest Rates 1.99% per month (or 23.88% annually)	Interest Rates 3.49% per month, i.e, 41.88% per annum	Interest Rates 3.6% per month (or 43.2% per annum)
Fuel Surcharge N/A	Fuel Surcharge 1% fuel surcharge waived (max waiver capped at Rs. 1,000/month and min transaction of Rs. 400 required).	Fuel Surcharge 1% fuel surcharge waiver for all fuel transactions in India between ₹400 and ₹5,000.	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.
Cash Advance Charges 2.5% of total amount or Rs. 500, the higher one	Cash Advance Charges Higher of 2.5% of the amount withdrawn or Rs. 500.	Cash Advance Charges 2.5% of the withdrawn amount, subject to a minimum fee of Rs. 500.	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

HDFC Bank Regalia Gold Credit Card

HDFC Bank Diners Club Black Credit Card

Tata Neu Infinity HDFC Bank Credit Card

HDFC Bank Millennia Credit Card

Rewards and Benefits

Fees & Charges

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