Best HDFC Bank Credit Cards

HDFC Credit Card Features and Benefits

As discussed earlier, HDFC Bank provides exciting benefits with its credit cards. Not only reward programs, but there are many more advantages of having an HDFC Bank Credit Card. Some of the key benefits that you can get from HDFC Bank Cards:

Welcome Benefits – On card activation, HDFC Credit cards offer exciting welcome benefits to cardholders in the form of complimentary membership of premium partners, bonus reward points, gift vouchers and much more. Generally, welcome benefits are provided to the cardholder on successful payment of the joining fee.

Rewards/Cashback – Every time you spend using your HDFC Bank Credit Card, you get rewarded in the form of reward points/cashback or sometimes in the form of Intermiles as well (except on a few transactions). Moreover, some cards may also offer accelerated reward points/cashback on spending on select categories like dining. The cardholder can redeem the reward points earned against endless options of their choice.

Milestone Benefits – The cardholder can avail of the milestone benefits associated with a credit card and enjoy almost the same benefits as the welcome benefits, like complimentary air tickets, bonus reward points/cashback, gift vouchers and much more. The milestone benefits are provided to the cardholder on achieving the required spend threshold/target.

Travel Benefits – HDFC Bank also issues some travel credit cards providing complimentary airport lounge access, complimentary airlines/hotels’ premium memberships, and much more. The cards with all these benefits can be considered best for people who love to travel.

Movie & Dining Benefits – HDFC bank issues many credit cards offering exciting movie and dining benefits, keeping in mind the entertainment needs of its cardholders. The movie benefits with a credit card may include complimentary movie tickets or even discounts on such tickets and much more. As a dining benefit, the card offers complimentary memberships like EazyDiner Prime membership and Swiggy One.

Popular HDFC Bank Credit Cards

Super Premium Cards

HDFC’s Infinia Metal Edition and Diners Club Black are two of the top HDFC Credit Cards in the super-premium category. You can find detailed information about these two cards below:

Infinia Metal Edition Credit Card

Infinia Metal Edition Credit Card is the most premium offering by the bank. It is an invite-only card and offers premium benefits like a 24×7 concierge service, unlimited domestic and international lounge access, golf privileges, and a lower foreign currency mark-up fee. As it is a reward points card, you earn 5 reward points per Rs. 150 you spend using the card. You have to pay an annual membership fee of Rs. 12,500 for this card.

Diners Club Black Credit Card

After Infinia, the second most premium offering by the HDFC bank is the Diners Club Black credit card. This card also earns you 5 reward points for every Rs. 150 spent. You also get a complimentary membership of some of the most popular subscription services like Amazon Prime and Swiggy One with this card. The annual membership fee for this card is Rs. 10,000.

Lifestyle Credit Cards

HDFC Bank also offers some great lifestyle-based credit cards along with the travel and reward categories. Some of the best lifestyle credit cards issued by HDFC Bank are as follows:

Regalia Gold Credit Card

The Regalia Gold card offers some of the best lifestyle and travel privileges to the cardholder. The card charges a Rs. 2500 annual fee, offering complimentary Club Vistara Silver and MMT Black Elite membership. Also, you get 4 Reward Points per Rs. 150 spent on retail and 5x Reward Points per Rs. 150 spent at Reliance Digital, Nykaa, Reliance Digital, Marks & Spencers, and Myntra, both online and in-store. You can redeem your reward points at the Smartbuy portal.

Diners Club Privilege Credit Card

The Diners Club Privilege card is also a very popular lifestyle card by HDFC. You get a complimentary membership of some of the most popular subscription services like Amazon Prime and Swiggy One. This card also earns you 4 reward points per Rs. 150 you spend. You also get some premium benefits like a lower foreign currency mark-up fee. 

Cashback Credit Card

HDFC Millennia Credit Card

The Millennia credit card by HDFC Bank is one of the best cashback credit cards currently available in the market. It is tailored to the needs of the millennials. The card gives you 5% cashback on online shopping websites and 1% cashback on offline transactions. The membership fee for this card is Rs. 1,000 per annum. The card also offers benefits like travel benefits, dining benefits and much more.

Tata Neu Infinity HDFC Bank Credit Card

Out of the two co-branded credit cards by HDFC Bank and Tata Neu, the Infinity is the premium variant with a Rs. 1499 annual fee and offers a welcome bonus of 1499 Neu Coins. Also, the card offers exclusive privileges across various categories like complimentary lounge access, cashback as NeuCoins on your spends, travel insurance, and much more.

Tata Neu Plus HDFC Bank Credit Card

The Neu Plus credit card is great for loyal customers of both HDFC Bank and Tata brands, offering 2% value back as Neu Coins and 499 Neu Coins as a welcome benefit. As an introductory offer, you get bonus Neu Coins on the Tata Neu app along with other privileges like complimentary lounge access, fuel surcharge waiver, zero liability protection, etc.

HDFC Bank MoneyBack Plus Credit Card

The HDFC Bank MoneyBack Plus Credit Card is a great cashback offering card. The card provides tons of cashbacks like 10x Cash Points on Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy, 5x Cash Points on EMI spends and 2 Cash Points every time you spend Rs. 150. These points are redeemable for cashback, purchasing products, and flight/hotel bookings via SmartBuy. Apart from this, the card offers other benefits like dining benefits, fuel surcharge waiver, spend-based waiver and much more.

Paytm HDFC Select Credit Card

The Paytm HDFC Select Credit Card by the HDFC Bank is a Co-Branded card in partnership with Paytm and comes with Paytm First loyalty membership. The card offers great cashback benefits, especially for those who enjoy shopping through the Paytm app and Paytm Mall. It offers 5% cashback on Paytm Mall/Movies/Mini app spends, 2% on other Paytm spends, and 1% on all other retail spends with the card. These cash points can be redeemed against outstanding balances or can be used for other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue. Other benefits like travel benefits, fuel, milestone benefits and much more are also provided with the card.

Travel Credit Cards

Indigo 6E Rewards XL Credit Card

HDFC Bank launched this card in collaboration with Indigo Airlines, which is the country’s largest and most popular airline. You earn reward points as 6E Rewards- 5% on Indigo, 3% on grocery, dining, and entertainment, and 2% on all other spends. Apart from this, the card also offers complimentary domestic lounge access with this credit card. These benefits make this card the card of choice for frequent domestic flyers. The annual membership fee for this card is Rs. 2,500, and it is one of the best HDFC Credit Cards in the travel category.

Fuel Credit Card

IndianOil HDFC Bank Credit Card

This credit card earns you rewards as fuel points. Earn up to 50 litres of free fuel annually with this card. This card earns you 5% fuel points on spends at Indian Oil outlets and on grocery purchases and bill payments, and 1% fuel points on all other retail spends. The annual membership fee of this card is just Rs. 500.

Entertainment Credit Card

Platinum Times Card

This card is ideal for movie buffs and for those who love to dine out frequently. You can save up to Rs. 350 on movie ticket bookings with a discount of 25% on BookMyShow. This card earns you 3 reward points for every Rs. 150 and accelerated 10 reward points per Rs. 150 on dining spends on weekdays. The annual subscription fee for this card is Rs. 1,000.

Dining Credit Card

Swiggy HDFC Bank Credit Card

This is the first time Swiggy has partnered with a bank on a credit card, and you can get the card for a joining fee of Rs. 500 plus taxes. If you are a loyal Swiggy customer and regularly order food online, then this is a great card for you through which you can save up to 6.8% on your annual spends of over Rs. 2 Lakhs. As a welcome benefit, you get a complimentary 3-month Swiggy One membership and can get up to 10% cashback on your spends across Swiggy. With this card, you can save a lot on your food orders. 

HDFC Credit Card Rewards and Cashback

All the major card issuers provide their cardholders with exciting rewards or cashback benefits so that they can save more and more on their spends when they make purchases using their credit card. HDFC Bank also does the same and offers different types of rewards with different credit cards. The reward rate may be different on different credit cards, i.e., more on premium cards and less on basic ones. The reward points or cashback that you earn on these top 10 HDFC Bank Cards are summarised in the table below:

How To Earn and Redeem HDFC Credit Card Reward Points?

With the HDFC Bank Rewards Credit Cards, you can earn reward points on almost all your spends. Every cardholder can earn reward points, but only a few of them know how to earn the maximum rewards with a credit card. Almost every credit card offers accelerated rewards in one or two selected categories & regular points on all other spends. To save the most using your HDFC Credit Card, make sure that you get a credit card that comes with accelerated reward points in a category where you spend the most. Moreover, you also need to keep in mind that you can earn reward points not only on your regular spends, but in the form of welcome benefits or milestone benefits as well. 

HDFC Bank provides an easy way for the redemption of reward points to its customers. You should have a minimum of 500 Reward points to redeem. You can easily redeem your earned points via Net Banking by following a few simple steps as mentioned below:

• Log in to your HDFC Bank credit card internet banking account.
• Under the section credit cards, register your card if you still need to do so.
• Now, on the left navigation bar, click on ‘Redeem Reward Points.’
• Select your credit card and proceed.
• Click on Redeem Reward points.
• Select the range of reward points you have and the category against which you want to redeem your points.
• Add your items to the cart.
• Check all the details and then click on Redeem to confirm the redemption.

HDFC SmartBuy

SmartBuy is HDFC Bank’s rewards aggregator portal, where you’ll find deals and offers that the bank offers in partnership with third-party merchants. You can also book hotel and flight tickets and purchase Instant Vouchers on SmartBuy. While on most HDFC cards, you get additional cashback on shopping via SmartBuy, you earn accelerated Reward Points on your Infinia and Diners Club Black Cards. For more information on the extra reward points and cashback that you earn on the SmartBuy portal, you may refer to this.

HDFC Bank Credit Card Eligibility Criteria

To get a particular credit card, the applicants need to fulfil some specific eligibility criteria. Generally, the age requirements are almost the same for all HDFC Credit Cards, but income and credit score requirements might vary. You generally need to have a higher annual income to apply for a premium credit card as compared to a basic card. Following are some basic eligibility requirements that you need to fulfil in order to get an HDFC Bank Credit Card:

• The age of the primary cardholder should be above 21 years, and that of the supplementary cardholders should be above 18 years.
• The applicant should have a stable source of income.
• The applicant should be maintaining a decent credit score.

Documents Required

The bank requires KYC documents, including identity proof, address proof, and proof of income, to process your credit card application. The documents accepted as ID proof, address proof, and proof of income are-

• ID Proof: PAN card, Aadhaar card, voter card, passport, driver’s license, etc.
• Address Proof: Aadhaar Card, passport, electricity/telephone bill, voter card, driving license, etc.
• Income Proof: Salary Slip or audited ITR.

HDFC Bank Credit Card Annual Fees and Charges

There are several fees and charges associated with credit cards. Most people only consider the annual fee while applying for a credit card as it is something that is most important. The annual fee of top HDFC bank credit cards is as follows. 

Other Fees & Charges

Apart from the annual fee, there are many more charges you need to pay with a credit card when required. These fees and charges include interest rate (which is charged on the outstanding balance that has not been paid by the payment due date), cash advance fee (which is charged when you withdraw cash using your credit card), forex markup fee (charged when you make a transaction in a different currency with your credit card), and many more. Some of the important charges that are applicable on the Top HDFC Credit Cards are as mentioned below:

Apply for HDFC Bank Credit Cards Online With CardInsider

You can apply online for HDFC Bank Credit Cards in a few easy steps as mentioned below:

• Compare all HDFC Credit Cards on Card Insider,
• Select the card most suited for you,
• Click on the Apply Now button for that card,
• Enter the required details, 
• Bank officials will evaluate your eligibility. If you qualify, your credit card will be mailed to you at your address.

How To Activate HDFC Bank Credit Cards?

After receiving your HDFC Bank Credit Card, the very first thing you need to do is activate your card in order to use it for purchases. Refer to the following steps to understand the same:

• To activate your HDFC Bank Credit Card, you can sign up/sign in to your HDFC Bank internet banking account using your customer ID & iPIN and activate the card under the ‘Requests’ tab that you will find after entering the Credit Cards section.
• Once you have received your card, you can also inquire about the HDFC Bank Credit Card customer care and ask the bank officials to help you with your credit card activation.
• Another method for HDFC Bank Credit Card activation is to do it via an HDFC Bank ATM nearest to you. Just visit your nearest HDFC Bank ATM, insert your credit card, find the option of credit card activation/PIN generation from the main menu and proceed further. You will then receive an OTP on your registered mobile number that you will have to enter for verification.

HDFC Credit Cards Login/Net Banking

In order to register your HDFC Bank Credit Card for internet banking, you can follow a few simple steps as mentioned below:

• Visit the official website of HDFC Bank.
• Scroll down to the section ‘Ways To Bank.’
• Click on ‘Online Banking.’
• Now, the option ‘Credit Card Net Banking’ will be there on your screen.
• Click on ‘Register Online’ under that.
• Proceed further to fill in the required details and confirm.

HDFC Bank Credit Card Customer Care

For any doubts, queries, or complaints related to your HDFC Bank Credit Card, you can contact your credit card customer care via call, email, or post as per your comfort. Following are a few details that can be used to contact HDFC Credit Card Customer Care:

• You can contact HDFC Bank Credit Card customer care via call on their 24*7 helpline number 1800 202 6161.
• If you don’t prefer calling, you can also contact them via email. Just write your questions/complaints and send them to [email protected]

How To Compare HDFC Credit Cards & Choose The Best One?

Comparing credit cards before applying for them is one of the most essential steps to be followed in order to get the maximum benefit out of your card. Firstly, you must analyse your spending habits and try to understand where you spend the most every month. After that, look for the HDFC Credit Cards that are most beneficial in those categories and note down a list of similar cards. Now, you should compare HDFC credit cards wisely. Check for all their features, benefits, and fees & charges and choose a credit card that is the most suitable for you. Make sure that you check the eligibility criteria as well. This is how you can choose the best HDFC Cards for yourself.

Bottom Line

HDFC Bank offers a wide range of credit cards to cater to the diverse needs of individuals. Recently, the bank has launched the UPI RuPay Credit Card, enabling you to make payments with your UPI application effortlessly. HDFC Bank is renowned for providing outstanding benefits and rewards on its range of credit cards, from luxury cards like Infinia to everyday use cards like Millennia or Moneyback Plus. With such a wide variety of options available, it’s important to compare and choose the card that best suits your needs, keeping in mind your spending habits.

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