Best HDFC Credit Cards

HDFC Bank offers some of the best credit cards covering various categories, like travel, entertainment, shopping, rewards and offers. Another reason why most people prefer HDFC credit cards is that anyone can apply for them – be it a basic credit card user or someone looking for premium lifestyle benefits. Below mentioned are some of the best HDFC credit cards in the market today:

5 Best HDFC Credit Cards in 2021

Below are some of the best HDFC credit cards that might be suitable for you:

1. HDFC Regalia
2. HDFC Regalia First
3. HDFC MoneyBack
4. HDFC Millennia
5. HDFC Diners Club Black

HDFC Regalia:

A premium credit card, HDFC Regalia comes with various benefits and privileges. The luxury travel credit card comes with welcome bonus of 2,500 reward points and is best suited for frequent flyers with access to more than 850 airport lounges globally. HDFC Regalia is undoubetly one of the best HDFC credit cards in India.

Annual Fee	Rs.2,500
Reward Points	Earn 4 Reward Points on every Rs.150 spent
Key Feature	HDFC Regalia is best suited for frequent travellers, with access to more than 850 airport lounges worldwide.

Additional Features and Benefits of HDFC Regalia:

• Welcome Bonus – As welcome reward, the card comes with 2,500 reward points
• Dining Privileges – You can enjoy dining benefits of at least 40% at some of the known 5 star restaurants in India
• Air Accident Cover – Get an air accident cover of Rs.1 crore, for the primary credit cardholder
• Zomato Gold Membership – Enjoy Zomato membership for one year. Get one complimentary dish and up to 2 free drinks at select partner restaurants

Why should you go for HDFC Regalia credit card?

HDFC Regalia credit card is best suited for luxurious lifestyle benefits. Catered for the premium segment, the privileges that it has on travel and dining are a great combination and not many credit cards offer that in one card.  So if you are comfortable with an annual fee of Rs.2,500 with tons of travel benefits, then you should consider applying for this credit card.

Read HDFC Regalia Credit Card Review

HDFC Regalia First:

Another credit card for frequent travellers, HDFC Regalia First comes with access to more than 1000 airport lounges in India and abroad. The annual fee of HDFC Regalia First is Rs.1000, which is much lower than that of HDFC Regalia credit card. Complimentary Insurance, reward points and dining benefits are some of the benefits that the card has to offer.

Annual Fee	Rs.1000
Reward Points	Earn 4 Reward Points on every Rs.150 spent
Key Feature	HDFC Regalia First comes with dining privileges at more than 300 top restaurant chains of The Leela, Hyatt, Taj and Marriott.

Additional Features and Benefits of HDFC Regalia First:

• Reward Points – Earn 4 reward points on every Rs.150 spent along with 5000 reward points on the annual spends of Rs.3,00,000 or more in the anniversary year and additional 2,500 reward points on the annual spends of Rs.6,00,000 or more in each anniversary year
• Dining Benefits – Enjoy dining benefits at more than 300 restaurants with different luxury hotel chains
• Complimentary Insurance – You can get up to Rs.50 lakh for air accidental insurance
• Foreign Currency Markup – HDFC Regalia First has lowest foreign currency markup fee of 2%

Why should you go for HDFC Regalia First credit card?

If you think you cannot go for HDFC Regalia, then Regalia First is a decent option. The card offers premium benefits with an annual fee of Rs.1000. The card is suitable for cardholders who want to earn reward points and are frequent travellers.

Read HDFC Regalia First Credit Card Review

HDFC MoneyBack:

HDFC Moneyback is one of the best credit card for anyone looking for cashback, reward points and most importantly for people who are new to credit cards. The cardholders can get renewal fee reversed along with first year’s fee waived. Below mentioned are some additional features and benefits of this popular cashback credit card:

Annual Fee	Rs.500 + GST
Reward Points	Earn 2 Reward Points on every Rs.150 spent
Key Feature	With HDFC MoneyBack, you can earn 2X reward points on all online purchases.

Additional Features and Benefits of HDFC MoneyBack:

• Fuel Surcharge Waiver – Avail fuel surcharge waiver of 1% on fuel transactions above Rs.400
• Milestone Benefits – The cardholders also get a gift voucher worth Rs.500 on retail purchases of Rs.50,000 or more in every quarter
• Interest-Free Credit – Customers get a 50 day of interest-free period to make the payment after purchase
• Zero-Liability on lost card – With zero-liability on HDFC MoneyBack, the cardholders can immediately report to the bank in case of losing the card. This feature will protect from the fraudulent transactions made, if any

Why should you go for HDFC MoneyBack credit card?

HDFC MoneyBack is best suited for cardholders who are looking for basic benefits ideal for day to day usage. The annual fee of this card is Rs.500 with a good reward point programme. If you are looking for your very first credit card, then HDFC MoneyBack will be a good decision to consider as it will not only introduce you to various reward point options but will also help in building your credit score.

Also Read: HDFC MoneyBack Credit Card Review

HDFC Millennia:

After HDFC MoneyBack, HDFC Millennia is best suited for cashbacks. It comes with an annual fee of Rs.1,000. The cardholders can earn cashback and welcome benefits on spending with PayZapp and SmartBUY. Read more for some additional information on this card.

Annual Fee	Rs.1,000
Key Feature	HDFC Millennia offers joining fee waiver on spending Rs.30,000 or more in the first three months

Additional features and Benefits of HDFC Millennia:

• Cashback – Avail 5% cashback on using Amazon, Flipkart, Flight and Hotel bookings with PayZapp and SmartBuy transactions
• Airport Lounge Access – Get 8 domestic airport lounge visits in a year
• Fuel Surcharge Waiver  – The cardholders can utilize 1% fuel surcharge waiver with HDFC Millennia credit card

Why should you go for HDFC Millennia credit card?

If earning cashback on all transactions is what you are looking for, HDFC Millennia is the go to option. There are various categories where the card offers some great deal on cashback. You can also avail lounge access to domestic airports in India. The card comes with multiple cashback benefits with an annual fee of Rs.1,000

Read More about HDFC Millennia Credit Card

HDFC Diners Club Black:

Another credit card for the premium category, HDFC Diners Club Black is best suited for luxurious lifestyle benefits. The card comes with a combination of lifestyle and travel benefits with an annual fee of Rs.5,000.

Annual Fee	Rs.5,000 + GST
Reward Points	Earn 5 Reward Points for every Rs.150 spent on retail
Key Feature	Complimentary annual membership of Club Marriott, Zomato Gold, Amazon Prime etc.

Additional Features and Benefits of HDFC Diners Club Black Credit Card:

• Airport Lounge Access – Enjoy access to over 800+ Airport Lounges internationally
• Golf Privileges – Get 6 complimentary golf games across international and domestic golf courses
• Lifestyle Benefits – Avail benefits on Spa, Gym Fitness and Doctor Consultation
• Foreign Currency Fee – Foreign Currency Markup fee of HDFC Diners Club credit card is 1.99%

Why should you go for HDFC Diners Club Black credit card?

The card is a good option if you want to earn reward points and save on your annual spending. Indeed, the card has annual fee of Rs.5,000 but you still wouldn’t regret because of the number of offers and reward points that come with it. So, if the annual fee doesn’t pinch your pocket, there should be no second thoughts for this credit card. On the other hand, if you don’t want to give a higher annual fee, you can consider HDFC Regalia that is also a premium credit card offered by the bank.

Read More about HDFC Diners Club Black Credit Card

If you are not convinced about the above mentioned cards, you can look for more options from HDFC Bank Credit Card that come with basic and premium lifestyle benefits.