HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card

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HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card

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Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card

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HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

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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 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

One free airport lounge visit on spending Rs. 1 lakh in a quarter (Milestone Benefit)

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

N/A

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

A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement 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

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