Are you in search of the best HDFC credit card that suits your financial needs and preferences? With a wide range of options available, we will provide you the details of top 10 best HDFC credit card available in the market. Each credit card offers unique benefits and rewards, ensuring you make the most of your spending.
10 Best HDFC Credit Card
- HDFC Regalia Gold Credit Card
- IRCTC HDFC Bank Credit Card
- Tata Neu Plus HDFC Bank Credit Card
- Tata Neu Infinity HDFC Bank Credit Card
- HDFC Diners Club Privilege Credit Card
- HDFC MoneyBack+ Credit Card
- HDFC Millennia Credit Card
- HDFC Freedom Credit Card
- IndianOil HDFC Bank Credit Card
- HDFC Platinum Plus Credit Card
HDFC Regalia Gold Credit Card
- Joining Fee Rs. 2,500
- Annual Fee Rs. 2,500 (waived off on spending Rs. 3 lakh in a year)
HDFC Regalia Gold Credit Card offers a range of exclusive benefits for its cardholders. The welcome benefits include complimentary Club Vistara Silver Tier and MMT Black Elite membership. Additionally, you can earn ₹1,500 worth of vouchers on quarterly spends of Rs. 1.5 lakh. On annual spends of Rs. 5 lakh and Rs. 7.5 lakhs, you can enjoy ₹5,000 worth of flight vouchers. Furthermore, you’ll earn 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
IRCTC HDFC Bank Credit Card
- Joining Fee Rs. 500
- Renewal Fee Rs. 500
If you frequently travel by train, the IRCTC HDFC Bank Credit Card is an ideal choice. This credit card offers 5 Reward Points for every INR 100 spent on the IRCTC ticketing website and Rail Connect App. For all other spends, you’ll earn 1 Reward Point for every INR 100. Additionally, you can avail yourself of an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy. The card also provides 8 complimentary access to select IRCTC Executive Lounges every year and a gift voucher worth INR 500 on quarterly spends of INR 30,000.
Tata Neu Plus HDFC Bank Credit Card
- Joining Fee Rs.499 plus taxes.
- Renewal Fee Rs.499 plus taxes. (waived off on spending Rs. 1 lakh in a year)
The Tata Neu Plus HDFC Bank Credit Card is designed for those who prefer shopping at Tata outlets. With this card, you can earn 2% back as NeuCoins on Tata Neu and partner Tata Brand Spends. After registering for Tata NeuPass, you can enjoy an additional 5% back as NeuCoins on Tata Neu Spends. For other spends, you’ll earn 1% back as NeuCoins. The accumulated NeuCoins can be redeemed on the Tata Neu App. Moreover, the card provides 4 complimentary domestic airport lounge access for a delightful travel experience.
Tata Neu Infinity HDFC Bank Credit Card
- Joining Fee Rs.1,499 plus taxes.
- Renewal Fee Rs.1,499 plus taxes. (waived off on spending Rs. 3 lakh in a year)
Similar to the Tata Neu Plus Credit Card, the Tata Neu Infinity HDFC Bank Credit Card offers enticing rewards. You can earn 5% back as NeuCoins on Tata Neu and partner Tata Brand Spends. Additionally, after registering for Tata NeuPass, you’ll receive an extra 5% back as NeuCoins on Tata Neu Spends. For other spends, you’ll earn 1.5% back as NeuCoins. The accumulated NeuCoins can be redeemed on the Tata Neu App. Furthermore, the card provides 8 complimentary domestic and 4 complimentary international airport lounge access, making your travel experiences even more enjoyable.
Diners Club Privilege Credit Card
- Joining Fee Rs. 2,500 plus applicable taxes
- Renewal Fee Rs. 2,500 (waived off on spending Rs. 3 lakh in the previous year)
The Diners Club Privilege Credit Card is an excellent choice for entertainment and dining enthusiasts. With this card, you can enjoy a ‘Buy 1 Get 1 Free’ offer on all tickets booked via BookMyShow. Additionally, you’ll earn 5X Reward Points on Swiggy and Zomato orders. As a welcome benefit, you’ll receive complimentary annual memberships of Swiggy One and Times Prime. On quarterly spends of Rs. 1.5 lakh, you can avail of ₹1,500 worth of vouchers for Marriott, Decathlon, and more. The card also provides 8 complimentary airport lounge access worldwide and rewards you with 4 Reward Points for every ₹150 spent.
HDFC MoneyBack+ Credit Card
- Joining fee Rs.500
- Annual fee Rs.500
For those who love online shopping and enjoy cashback rewards, the MoneyBack+ Credit Card is a great choice. You can earn 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy. For EMI spends at merchant locations, you’ll earn 5X CashPoints. On all other spends (excluding fuel and wallet loads), you’ll earn 2 CashPoints. Additionally, the card offers gift vouchers worth up to ₹2000 annually.
HDFC Millennia Credit Card
- Joining Fee Rs. 1,000
- Annual Fee Rs. 1,000 (Waived off on spending Rs. 1 lakh in the previous year)
The Millennia Credit Card is tailored for the millennial generation, providing benefits for various online platforms and shopping destinations. With this card, you can enjoy 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. For all other spends (except fuel) including EMI and wallet transactions, you’ll earn 1% cashback. On spends of ₹1,00,000 and above in each calendar quarter, you’ll receive ₹1000 worth of gift vouchers. Additionally, the card offers 8 complimentary domestic airport lounge access annually.
HDFC Freedom Credit Card
- Joining Fee Rs. 500
- Renewal Fee Rs. 500 (Waived off on spending Rs. 50,000 in a year)
The Freedom Credit Card offers attractive cashback rewards and low-interest rates. You can earn 10X CashPoints on your favorite merchants, including Big Basket, BookMyShow, OYO, Swiggy, and Uber. For EMI spends at merchant locations, you’ll earn 5X CashPoints. On other spends (excluding fuel and wallet loads), you’ll earn 1 CashPoint for every Rs.150. The card also provides an interest rate of just 0.99% for the first 90 days on retail and non-EMI spends.
IndianOil HDFC Bank Credit Card
- Joining fee Rs.500
- Annual fee Rs.500 (Reversible if annual spends exceed Rs.50,000)
For those who frequently visit IndianOil outlets and prioritize fuel-related benefits, the IndianOil HDFC Bank Credit Card is an ideal choice. This card offers up to 50 liters of free fuel annually. Additionally, you’ll earn 5% of your spends as Fuel Points at IndianOil outlets, groceries, and bill payments. For all other purchases, you’ll earn 1 Fuel Point for every Rs. 150 spent. Moreover, the card provides a fuel surcharge waiver, allowing you to enjoy a 1% waiver on fuel surcharges.
HDFC Platinum Plus Credit Card
- Joining Fee – As per bank’s norm
- Annual/ Renewal Fee – As per bank’s norm
The Platinum Plus Credit Card is designed for individuals looking for a basic yet rewarding credit card. With this card, you’ll earn 2 Reward Points for every Rs. 150 spent. On spending above Rs. 50,000 per statement cycle, you’ll receive 50% more Reward Points for every Rs. 150 spent. Additionally, the card offers savings up to Rs. 250 in every billing cycle with a 100% fuel surcharge waiver.
Choosing the right credit card can make a significant difference in your financial journey. The 10 best HDFC credit card mentioned above cater to various needs and preferences.
FAQ
Can I apply for multiple HDFC credit cards?
Yes, you can apply for multiple HDFC credit cards, provided you meet the eligibility criteria set by the bank.
How can I redeem the accumulated NeuCoins on the Tata Neu Plus and Tata Neu Infinity credit cards?
You can redeem the accumulated NeuCoins on the Tata Neu App for various products and services offered by Tata brands.
Can I use the HDFC Millennia Credit Card for international transactions?
Yes, you can use the HDFC Millennia Credit Card for international transactions. However, please note that foreign currency conversion charges may apply.
How can I apply for an HDFC credit card?
You can apply for an HDFC credit card online through the HDFC Bank website or by visiting your nearest HDFC Bank branch. The application process is straightforward, and you will need to provide the necessary documents such as ID proof, address proof, income proof and meet the eligibility criteria.
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