Get Free Credit Score
Download App

HDFC Bank offers credit cards that cater to different individual needs such as shopping, travel, fuel, entertainment, dining and more. You can find entry-level cards as well as premium cards with extraordinary benefits. However, the best HDFC credit card for you would be the one that offers the highest value-back on your preferred spending categories. Here we have listed the best credit card in each category.

Best HDFC Credit Cards for 2022

Credit CardAnnual FeeBest Suited For
HDFC Diners Club Privilege Credit CardRs. 2,500Reward Points and Complimentary Memberships
HDFC Regalia Credit CardRs. 2,500Travel and Reward Points
HDFC Moneyback+ Credit CardRs. 500Beginners looking for a Cashback Credit Card
HDFC Millennia Credit CardRs. 1,000Cashback across all categories
HDFC Infinia Credit CardRs. 12,500Premium Privileges across Multiple Categories
HDFC Diners Club Black Credit CardRs. 10,000Premium Benefits and Complimentary Memberships
6E Rewards XL- IndiGo HDFC Bank Credit CardRs. 2,500Co-branded Travel Benefits with Indigo Airlines
InterMiles HDFC Bank Signature Credit CardRs. 2,500Travel Benefits with InterMiles and Etihad Airways
IndianOil HDFC Bank Credit CardRs. 500Fuel Benefits with Indian Oil
HDFC Platinum Times Credit CardRs. 1,000Movies and Dining
HDFC Diners Club Privilege Credit Card
HDFC Regalia Credit Card
HDFC Moneyback+ Credit Card
HDFC Millennia Credit Card
HDFC Infinia Credit Card
HDFC Diners Club Black Credit Card
6E Rewards XL- IndiGo HDFC Bank Credit Card
InterMiles HDFC Bank Signature Credit Card
IndianOil HDFC Bank Credit Card
HDFC Platinum Times Credit Card

HDFC Diners Club Privilege Credit Card

Best for Reward Points and Complimentary Memberships

Annual Fee: Rs. 2,500

HDFC Diners Club Privilege Credit Card

If you are looking for an HDFC credit card that offers benefits across different categories at a reasonable annual fee, you must consider HDFC Diners Club Privilege Credit Card. The set of benefits has been designed considering the needs of millennials, such as complimentary memberships to Amazon Prime, Times Prime and more, along witn monthly milestone benefits with Ola Cabs, BookMyShow and Tata CLiQ.

Key Highlights:

  • Annual membership to Amazon Prime, Times Prime, MMT Black and Dineout Passport on spending Rs. 75,000 within 90 days of card activation
  • Spend Rs. 40,000 per month and get Ola Cabs, BookMyShow, TataCLiQ or cult.fit
  • Earn 4 reward points per Rs. 100 spent
  • 2X rewards on weekend dining and 10X rewards on SmartBuy
  • 2 complimentary golf games per quarter across the finest courses in the world
  • Low foreign exchange mark-up fee of 2%
  • 12 complimentary airport lounge access to 1000+ lounges in India

Also Read: HDFC Diners Club Privilege Credit Card Review

HDFC Regalia Credit Card

Best for Travel and Reward Points

Annual Fee: Rs. 2,500

HDFC Regalia has been one of the best HDFC credit cards for quite some time, owing to its simple rewards structure and additional benefits across different categories. It is suited for heavy spenders who put multiple expenses on their cards each month as the rewards program and milestone benefits allow them to earn good value back.

Key Highlights:

  • Earn 4 reward points for every Rs. 150 spent
  • Get complimentary Priority Pass membership for self and add-on members on completing 4 retail transactions
  • Avail 6 complimentary visits to international lounges with Priority Pass
  • 12 complimentary visits to domestic airport lounges
  • Spend Rs. 5 Lakh in a year and get bonus 10,000 reward points and additional 5,000 points on reaching Rs. 8 Lakh
  • Foreign exchange mark-up fee of only 2%
  • Insurance cover including air accident death cover, emergency overseas hospitalization and lost card liability cover

Also Read: HDFC Regalia Credit Card Review

HDFC Moneyback+ Credit Card

Best for Beginners looking for a Cashback Credit Card

Annual Fee: Rs. 500

HDFC Moneyback+ is an advanced variant of their popular card HDFC Moneyback. The card offers cashback in the form of CashPoints which can be redeemed against statement balance, travel benefits on the SmartBuy Portal or vouchers and merchandise from the rewards catalogue. The minimum monthly income requirement for the card is Rs. 20,000 only, which makes it a good option for beginners.

Key Highlights:

  • Welcome benefit of 500 CashPoints
  • 2 CashPoints per Rs. 150 across all spends except fuel, wallet loading and voucher purchase
  • Earn 5X CashPoints on EMI transactions with merchants
  • Earn 10X CashPoints on BigBasket, Amazon, Flipkart, Swiggy and Reliance Smart SuperStore
  • Spend Rs. 50,000 in a calendar year and get Rs. 500 gift voucher
  • Up to 15% discount at partner restaurants

Also Read: HDFC Moneyback+ Credit Card Review

HDFC Millennia Credit Card

Best for Cashback across all categories

Annual Fee: Rs. 1,000

HDFC Bank Millennia Credit Card

A card designed for millennials, this HDFC credit card offers cashback benefits across popular brands like Amazon, Flipkart, Swiggy and more. The best thing about HDFC Millennia Credit Card is that it covers almost all brands on which a millennial usually spends. This allows users to make the most of these benefits.

Key Highlights:

  • Welcome benefit of 1,000 CashPoints
  • 1% cashback across all transactions including EMIs and wallet reloads, except fuel
  • 5% cashback on Flipkart, Amazon, BookMyShow, Swiggy, Tata CLiQ, Sony LIV, Uber and Zomato
  • 8 complimentary visits to domestic lounges in a calendar year
  • Annual fee waived off on spending Rs. 1 Lakh in the previous year
  • 1 CashPoint = Rs. 1 when redeeming against statement balance
  • Up to 20% discount on partner restaurants via Dineout

Also Read: HDFC Millennia Credit Card Review

Prefer direct cashback over reward points? Explore the Best Cashback Credit Cards.

Click here

HDFC Infinia Credit Card

Best for Premium Privileges across Multiple Categories

Annual Fee: Rs. 12,500

Possibly one of the best premium credit cards in India, HDFC Infinia offers benefits across multiple categories including travel, shopping, rewards and some premium brands. Though it carries a very high annual fee, the extent of benefits, if used optimally, definitely surpasses the fee by a wide margin. Also, Infinia is now being offered in metal card variant.

Key Highlights:

  • Earn 5 reward points for every Rs. 150 spent
  • Complimentary annual membership to Club Marriott (one year only)
  • Complimentary weekend buffet and stay at ITC Hotels (participating hotels only)
  • Get unlimited lounge access all over the world for primary as well as add-on member
  • Foreign exchange markup fee of 2%
  • Complimentary Dineout Passport Membership
  • Unlimited complimentary access to leading golf courses across the globe

Also Read: HDFC Infinia Credit Card Review

Explore Best Premium Credit Cards

HDFC Diners Club Black Credit Card

Best for Premium Benefits and Complimentary Memberships

Annual Fee: Rs. 10,000

HDFC Bank Diners Club Black Credit Card

Another premium credit card from HDFC Bank, Diners Club Black Credit Card offers complimentary annual membership to popular brands like Forbes, Amazon Prime and more. The reward rate and travel benefits are similar to that on Infinia.

Key Highlights:

  • Earn 5 reward points for every Rs. 150 spent
  • Earn up to 10X Reward Points on your purchases on SmartBuy and 2X rewards on weekend dining
  • Complimentary annual membership to Club Marriott, Forbes, Amazon Prime, Dineout Passport, Times Prime and more
  • Spend Rs. 80,000 in a month and get vouchers from Ola Cabs, BookMyShow, TataCLiQ or cult.fit live
  • Get access to leading golf course for golf games 6 times per quarter
  • Enjoy unlimited international airport lounge access for primary and add-on members

Also Read: HDFC Diners Club Black Credit Card Review

6E Rewards XL- IndiGo HDFC Bank Credit Card

Best for Co-branded Travel Benefits with Indigo Airlines

Annual Fee: Rs. 2,500

6E Rewards XL IndiGo HDFC Bank Credit Card

Launched in collaboration with Indigo Airlines, 6E Rewards XL- IndiGo HDFC Bank Credit Card lets you earn significant rewards on all spends with extra earning on booking tickets with Indigo. Offering lounge access, preferential forex markup and the ability to use rewards to book tickets, this card is a good choice for frequent travelers.

Key Highlights:

  • Welcome vouchers worth Rs. 6,000 from Accor Hotel (stay + dining vouchers)
  • Earn 5% back in the form of 6E Rewards on Indigo spends
  • Earn 3% 6E Rewards on Dining, Groceries and Entertainment
  • Get 2% 6E Rewards across all other categories
  • Discount on convenience fee when booking Indigo tickets (up to Rs. 150 per passenger)
  • Up to 15% 6E Rewards on your spends with featured partners
  • 8 complimentary domestic lounge visits per year
  • Foreign exchange markup fee of 2.5%

Also Read: 6E Rewards XL- IndiGo HDFC Bank Credit Card Review

Explore Other Co-branded Credit Cards

InterMiles HDFC Bank Signature Credit Card

Best for Travel Benefits with InterMiles and Etihad Airways

Annual Fee: Rs. 2,500

This travel credit card from HDFC Bank offers benefits in the form generous InterMiles earnings, which can be redeemed to book flights on the InterMiles website. Moreover, it offers discount on Etihad Airways, complimentary lounge visits and remarkable milestone benefits.

Key Highlights:

  • InterMiles Silver membership free for the first year
  • Spend Rs. 6,000 within 30 days of card activation and get 3,000 bonus InterMiles
  • Spend Rs. 90,000 or more in the first 90 days to get additional 5,000 InterMiles
  • Get Rs. 750 Flight Discount Voucher and Rs. 2,000 Hotel Discount Voucher for the first year
  • Earn 6 InterMiles per Rs. 150 on all retail spends
  • Earn 2X InterMiles on flight tickets and hotel bookings made via the InterMiles website
  • Avail 5% discount on Etihad Airways Economy Class tickets and 10% discount on Business Class Tickets booked via InterMiles website
  • 16 complimentary domestic lounge visits per year
  • Complimentary Priority Pass Membership

Also Read: InterMiles HDFC Bank Signature Credit Card Review

IndianOil HDFC Bank Credit Card

Best for Fuel Benefits with Indian Oil

Annual Fee: Rs. 500

Suited for those who incur high fuel expenditure, IndianOil HDFC Bank Credit Card lets you earn up to 50 litres of free fuel annually. Every time you use your card, you will earn Fuel Points which can be used to purchase fuel at participating Indian Oil Petrol Outlets.

Key Highlights:

  • 5% Fuel Points at Indian Oil Petrol Outlets (up to 250 Fuel Points per month in the first 6 months and 150 Fuel Points per month in the next 6 months)
  • 5% Fuel Points on groceries and bill payments
  • 1 Fuel Point for every Rs. 150 spent
  • Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
  • 1% fuel surcharge waiver at all fuel stations on minimum transaction of Rs. 400 (Rs. 250 per statement cycle)
  • Convert Fuel Points into Indian Oil XRP (1 Fuel Point = 96 paise)

Also Read: IndianOil HDFC Bank Credit Card Review

Best Fuel Credit Cards in India

HDFC Platinum Times Credit Card

Best for Movies and Dining

Annual Fee: Rs. 1,000

HDFC Platinum Times Credit Card is an entertainment card giving generous discount on movies and dining. The card also offers satisfactory benefits on shopping and travel which makes it a good option for everyone.

Key Highlights:

  • Complimentary Times Prime Annual Membership worth Rs 999
  • 50% discount on movie tickets booked via BookMyShow
  • 20% discount offer on travel and shopping via HDFC’s Times Card website
  • Earn 3 Reward Points for every Rs. 150 spent
  • On weekday dining, earn 10 Reward Points per Rs. 150 spent
  • Up to 5% Cashback on Utility Bills/Shopping
  • 40% discount on select restaurants when paid via the DineOut App

Also Read: HDFC Times Card Review

Leave a Reply

Your email address will not be published.

Menu