HDFC Bank is the largest private sector bank among Indian users. This has completely changed the credit card experience for over 2.13 crore active users as of June 2024. It is the first bank in India to achieve this milestone, with the best HDFC bank credit cards available for every spending habit. This includes shopping, cashback and more.
The bank's credit card portfolio contains over 35 cards that have been carefully designed to meet various demands and lifestyles. HDFC B
Travel | Dining | Shopping
Reward Points
Travel | Dining | Shopping
Reward Points
Travel | Shopping
Reward Points
Fuel
Reward Points
Shopping
Reward Points
Shopping
Reward Points
Travel | Shopping
Reward Points
Travel | Shopping
Reward Points
Dining | Food
Cashback
Shopping
Cashback
HDFC Bank Credit Card options are huge. So, it may be challenging for the users to choose the correct card that suits their requirements. We have developed a list of the best HDFC Bank Credit cards for Indian users to help them choose the best option. This helps compare their advantages, fees, and charges.
The HDFC Bank credit cards offer huge benefits for its users. HDFC cards offer various benefits like reward schemes and travel perks.
On credit card activation, HDFC credit cards provide attractive welcome benefits like complimentary memberships to premium partners, bonus reward points, and gift vouchers. These bonuses are usually offered after paying the membership fee. Also, they are designed to improve the cardholder's experience.
HDFC provides the best HDFC bank credit cards with free airport lounge access for regular travelers. It also offers premium airline and hotel memberships with other travel related perks. These benefits attract users who prioritize convenience and comfort on their journeys.
HDFC credit cards offer points and cashback for each purchase. Several cards offer rewards for spending in categories like dining. This makes them suitable for regular shoppers. Points can be redeemed for travel and shopping offering cardholders flexibility.
HDFC also offers milestone benefits when cardholders exceed certain spending levels. These benefits are similar to welcome bonuses and may include free airline tickets, bonus points/cashback, and gift cards. Achieving these milestones allows users to earn more prizes, increasing the card's value with continued use.
Many of the best HDFC bank credit cards feature movie and eating benefits like free cinema tickets and discounts on ticket purchases. Dining perks may include memberships to platforms like EazyDiner Prime and Swiggy One, which provide cardholders with discounts and exclusive offers at specific restaurants.
Popular HDFC Bank Credit Card Super Premium Cards HDFC's Infinia Metal Edition and Diners Club Black are two of the best HDFC Bank Credit Cards in the super premium category. You can find extensive information on these two cards below.
The Infinia Metal Edition is HDFC's most exclusive credit card, available only by invitation. It provides exclusive benefits like 24-hour personal service, unlimited lounge access, golf privileges, and a cheaper foreign currency mark-up fee. Cardholders gain 5 reward points for each Rs. 150 spent. The annual charge for this card is Rs. 12500.
The Diners Club Black card is HDFC's second most premium offering. It also earns 5 reward points for every Rs. 150 spent and offers benefits like Amazon Prime and Swiggy One memberships. The annual charge for this card is Rs 10000.
Lifestyle Credit Cards HDFC Bank has some lifestyle credit cards with travel and incentive credit cards. The following are some of the top lifestyle credit cards offered by HDFC Bank.
Regalia Gold offers various lifestyle and travel perks for an annual charge of Rs. 2500. It offers complimentary Club Vistara Silver and MMT Black Elite memberships. Cardholders earn 4 reward points for each Rs. 150 spent in retail and 5x points at selected brands like Marks & Spencer and Myntra. You can redeem reward points through Smartbuy platform.
This card provides 4 reward points for every Rs. 150 spent and includes memberships to Amazon Prime and Swiggy One. It also provides premium perks, like a lower foreign currency mark-up price, which is perfect for frequent travelers and lifestyle-oriented users.
Cashback Credit Cards
This card is best suited for Generation Y. This offers cashback on both online and offline spending. The card also offers dining and travel perks. This makes it the best choice for youth spenders to earn rewards on daily purchases.
This co-branded credit card with Tata Neu provides 1499 Neu Coins as a welcome bonus, cashback on purchases and free lounge access. The annual price is Rs. 1499, which provides excellent value for Tata ecosystem users.
The Neu Plus credit card is perfect for loyal HDFC Bank and Tata customers, providing 2% value back in Neu Coins and 499 Neu Coins as a welcome benefit. As an initial offer, you will receive bonus Neu Coins on the Tata Neu app, as well as additional benefits like complimentary lounge access, fuel surcharge waiver, zero liability protection, and more.
The Paytm HDFC Select Credit Card, co-branded with Paytm, offers 5% cashback on Paytm Mall, Movies, and Mini app purchases, 2% on other Paytm transactions, and 1% on all other retail spends. It includes Paytm First membership and provides travel, fuel, milestone rewards, and options to redeem cashback.
Travel Credit Cards
Co-branded with Indigo Airlines, it is designed for regular flyers. It earns 6E Rewards on Indigo purchases and 3% on dining, groceries, and entertainment. This also earns 2% on all other transactions. This best HDFC bank credit card includes complimentary domestic lounge access, making it a great choice for domestic travelers. The annual charge is Rs. 2500, making it an exceptional value for individuals who travel regularly.
Fuel Credit Cards
This card is perfect for fuel users, as it offers 5% fuel points on IndianOil purchases and 1% on other retail transactions. Cardholders can earn up to fifty liters of free fuel every year. The card also offers rewards for groceries and bill payments, adding value to daily expenses. With an average annual charge of Rs. 500, it is an affordable alternative for users who frequently fill up at IndianOil stations.
Dining Credit Cards
Swiggy's first credit card offers cashback on Swiggy orders and 3 month Swiggy One subscription. It costs 500 INR to register and is designed for Swiggy users. This helps to save money on food orders. The best HDFC bank credit cards offer cashback for expenses related to dining. This makes it an attractive option for foodies who regularly use Swiggy for delivery services. You may save more money on meal orders and also improve your lifestyle.
Rewards and Cashback The banks offer rewards along with cashback offers. This enables them to save money on their purchases. HDFC Bank does the same which offers various types of rewards with the best HDFC bank credit cards. The reward rate can vary amongst credit cards, with premium cards offering higher rewards and basic cards offering lower rewards. The table drawn below shows the reward points and cashback you can receive with the HDFC Bank Cards:
Credit Cards | Reward Points and Cashback |
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Infinia Credit Card | Reward Points of 5 for Rs. 150 spent |
Diners Club Black Credit Card | Reward Points of 5 for Rs. 150 spent |
Diners Club Black Metal Edition Credit Cards | Reward Points of 5 for each Rs. 150 spent |
Regalia Gold Credit Cards | Reward Points of 4 for each Rs. 150 spent |
Diners Club Privilege Credit Cards | Reward Points of 4 for each Rs. 150 spent |
Millennia Credit Card | 5% cashback for online and 1% cash back for offline |
MoneyBack Plus Credit Card |
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HDFC Bank UPI RuPay Credit Card |
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Paytm HDFC Select Credit Card | 5% cashback on Paytm Mall/Movies/Mini Apps, 2% on other Paytm spends, and 1% on all other retail purchases. |
6E Rewards XL – IndiGo Credit Card | 5% on Indigo, 3% on grocery, dining, and entertainment, and 2% on all other purchases. . |
IndianOil HDFC Bank Credit Card | 5 percent Fuel Points on Indian Oil purchases and grocery spending, and 1 percent on every other spending. |
Steps You Should Follow to Earn and Redeem Reward Points
You can earn reward points on almost every purchase. This is done by using HDFC Bank credit cards. Every cardholder can earn reward points. However, only a few understand how to maximize their earnings with a credit card. Almost every best HDFC bank credit card offers accelerated rewards in one or two fields while providing standard points on all other purchases. To save the most with your HDFC Credit Card, choose a credit card offering accelerated reward points in the category where you spend the most. Also, you should remember that you can earn reward points on normal purchases. Also, you can earn through welcome and milestone perks. The HDFC Bank offers a simple and convenient option to redeem the reward points. You must have at least reward points of five hundred to redeem them. You can quickly redeem your earned points using Net Banking with the simple steps mentioned below:
Eligibility Criteria Required To get a specific credit card you must meet some eligibility criteria. The age requirements for all the best HDFC bank Credit Cards are usually the same. However, income and credit score requirements can vary. A premium credit card needs more annual income in comparison to a basic card. Mentioned below are the basic eligibility criteria you might meet:
Documents Required To complete your credit card application, the bank requires KYC documentation. This includes the identity, address and income. The documents below are acceptable as proof of identity, address, and income:
Steps to Follow for Applying for HDFC Credit Cards Online You can apply online for HDFC Bank Credit Cards in a few steps following the steps mentioned below:
Steps to Follow for activating HDFC Bank Credit Cards: After receiving your HDFC Bank Credit Card, you must activate it. So you can use it to make transactions. To better understand about this, follow the steps given below:
To Conclude HDFC Bank offers various credit cards designed for varying spending habits. HDFC ensures that every user can choose a card suiting their needs with a collection of over 35 credit cards. This includes incentives like rewards, cashback, travel perks, and unique privileges. No matter if you want premium benefits, cashback on everyday purchases, or rewards for travel and eating, the best HDFC bank credit card has something for you. Also, the simple application process and various reward redemption choices improve the overall customer experience, making HDFC Bank a popular choice among Indian credit card users.
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