HDFC Credit Card

List of Top 10 HDFC Credit Cards in India 2022

Table of Contents

Features and Benefits of the Best HDFC Credit Cards

HDFC Regalia Credit Card

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500 (waived off on spending Rs. 3 Lakh in the previous year)

Key Features:

Lounge Access- Get the following airport lounge benefits on your Regalia Credit Card:

• 12 complimentary domestic lounge access per year via Visa/Mastercard
• Complimentary Priority Pass Membership with 6 free visits per calendar year

Reward Points– 4 reward points per Rs. 150 spent on all retail spends except fuel

Milestone Benefits– Reach spending milestones and get rewarded:

• 10,000 reward points on spending Rs. 5 Lakh in a year
• Additional 5,000 reward points on spending Rs. 8 Lakhs in a year

Reward Redemption– Accumulate rewards and redeem them against any of the following:

• Premium products and vouchers from the rewards catalogue
• Flights and hotel bookings (up to 70% of the booking value)
• Exclusive reward redemption portal for Regalia users

Who should get this card?

HDFC Regalia Credit Card offers benefits across multiple categories including shopping, travel, dining and rewards. You should consider getting this card if:

• You are a big spender and would be able to make the most of its milestone benefits
• You would want a card with benefits across multiple categories rather than a card focused on only one feature

Read HDFC Regalia Credit Card Review

HDFC MoneyBack Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500 (waived off on spending Rs. 50,000 in the previous year)

Key Features:

Reward Points- 2 reward points per Rs. 150 spent. 4 reward points per Rs. 150 on online shopping

Cashback- Redeem your reward points for cash credit into your statement (100 points = Rs. 20)

Fuel Benefit- Save up to Rs. 250 in a billing cycle with complete fuel surcharge waiver

Milestone Benefit- Spend Rs. 50,000 in a quarter and get Rs. 500 e-voucher

Who should get this card?

HDFC MoneyBack is a suitable credit card for beginners because of a comparatively lower income requirement and low annual fee. You should apply for this card if:

• You prefer shopping online
• You want a low-fee card with limited features
• You would prefer the option to convert reward points into cash

Read HDFC Moneyback Credit Card Review

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)

Key Features:

Cashback– Earn cashback on all your spends:

• 5% cashback on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp
• 5% cashback on all online spends over Rs. 2,000
• 1% cashback on all offline spends and wallet reloads above Rs. 100

Lounge Access– 8 free domestic lounge accesses per year

Welcome Benefit– Rs. 1,000 gift vouchers each on spending Rs. 1 Lakh per quarter in the card’s first year

Dining Offers– Discounts and offers through Good Food Trail Dining program

Who should get this card?

HDFC Millennia Credit Card is well suited for those who:

• Frequently shop online on Amazon and Flipkart
• Prefer online spending across other categories as well
• Will be able to spend Rs. 1 Lakh in a quarter to capitalize on the milestone offer

Read the Latest Review of HDFC Millennia Credit Card

HDFC Platinum Times Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 2.5 Lakh in the previous year)

Key Features:

Welcome Benefits- Discount across select partners.

Movies and Dining Benefits– 25% discount on movies and 20% on dining at partner outlets

Reward Points– 3 reward points on every Rs. 150 spent on the credit card

Fuel Surcharge Waiver– Save more on fuel as fuel surcharge waiver

Travel Benefits– On making minimum 4 transactions every month, get free accidental death insurance of up to Rs. 50 Lakh

Who should get this card?

This card is best suited for those who:

• Go to the movies and dine out quite often
• Would be able to enjoy the reward benefits with regular purchases
• Have limited fuel requirements in a month

Read HDFC Times Credit Card Review

HDFC Titanium Times Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500 (waived off on spending Rs. 1.5 Lakh in the previous year)

Key Features:

Movies and Dining Discounts- 25% discount on movies and 15% discount on dining

Welcome Benefits– Shopping, dining and apparel vouchers from partner brands. Click here for details

Reward Points– 2 reward points for every Rs. 150 spent on the card

Fuel Surcharge Waiver– 1% fuel convenience fee waiver

Travel Benefits– Get free accidental death insurance of up to Rs. 50 Lakh on making minimum 4 transactions every month

Who should get this card?

HDFC Titanium Times Credit Card is a low-fee version of the Platinum Card. Most of the benefits on this card are similar to the Platinum Times Card. Hence, it is best suited for those who would like to compromise on a few benefits for a lower annual fee.

HDFC Diners Clubmiles Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 1 Lakh in the previous year)

Key Features:

Reward Points- 4 reward points for every Rs. 150 spent across all categories

Convert Rewards into Air Miles– Get 1 Air Mile for each reward with leading International and Domestic airlines and hotels

Exclusive Lounge Program– 6 Complimentary visits to 25+ Domestic and 700+ International Lounges

Dining Discounts- Enjoy 15% discounts at some of the finest restaurants in the country

Who should get this card?

HDFC Diners Clubmiles credit card is a travel card suited for those who would like to enjoy the benefits of rewards as well as air miles. You should consider getting this card if:

• You are not loyal to any particular airline
• You would be able to spend enough on the card to accumulate rewards and then redeem them for travel
• You do not want to pay a very high annual fee

Read HDFC Diners Clubmiles Credit Card Review

HDFC Diners Club Rewardz Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (waived off on spending Rs. 1 Lakh in the previous year)

Key Features:

Welcome and Renewal Benefit– Get 1,000 bonus Reward Points on payment of joining and renewal fee every year

Reward Points– Earn 3 reward points for every Rs. 150 spent on retail. Get 10X rewards when shopping with partner brands

Reward Redemption– Redeem rewards to get products and vouchers from the rewards catalogue. Also, use points to book flight tickets and hotel stays up to 70% of the booking value

Travel Benefits- Get exclusive benefits with travel partners including MakeMyTrip, Goibibo, Redbus, Uber, and more. Convert reward points into air miles of Air India, Singapore Airlines, and Intermiles.

Low Forex Mark-up Fee– Pay only 2% mark-up fee on foreign currency spends

Who should get this card?

HDFC Diners Club Rewardz Credit Card would be a suitable option for you if:

• You put most of your expenses on credit cards and would be able to earn maximum rewards
• You would prefer travel benefits against reward points
• You are willing to pay an annual fee of Rs. 1,000

Read HDFC Diners Club Rewardz Credit Card Review

HDFC Diners Club Black Credit Card

Joining Fee: Rs. 10,000
Annual Fee: Rs. 10,000 (waived off on spending Rs. 5 Lakh in the previous year)

Key Features:

Membership Privileges- Complimentary annual membership of Club Marriott, Zomato Gold, Amazon Prime, Times Prime, Forbes and MakeMyTrip

Lounge Access– Access to over 800+ Airport lounges globally for primary as well as add-on cardholder

Golf Benefits– Up to 6 complimentary golf games every quarter across premium golf courses globally

Reward Points– Earn reward points in the following manner:

• 5 Reward Points per Rs. 150 spent on retail
• 10X points on select partner brands
• 2X reward points on weekend dining
• 1 Reward Point= Re. 1
• Redeem rewards for air miles and travel vouchers on HDFC SmartBuy

Lifestyle Benefits– Exclusive benefits on Spa, Gym, Fitness and Doctor Consultation

Who should get this card?

HDFC Diners Club Black Credit Card is a premium offering by HDFC Bank is suitable for those who are ready to pay a high annual fee for exclusive privileges. You should consider getting this card if:

• You have big expenses to put on credit cards and want to get value back for the same
• You are a frequent traveller
• You want all-round benefits on a single credit card rather than a card focused on a single benefit

Compare: HDFC Diners Club Black Vs. SBI Card Elite

HDFC IndianOil Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500 (waived off on spending Rs. 20,000 in the previous year)

Key Features:

Fuel Benefits- Get fuel points at IndianOil fuel outlets by earning 5% of your spends

Fuel Savings- You can shop at grocery stores and earn fuel 5% as fuel points

Fuel Points- Earn 1 Fuel Point for every Rs.150 spent with this credit card

Fuel Earnings– You can earn at least 50 litres of free fuel every year

Who should get this card?

This fuel credit card by HDFC Bank is co-branded with Indian Oil. So, it will be best suited for those who:

• Prefer Indian Oil for refuelling
• Have major fuel expenses in a month and want to save more
• Do not wish to pay a high annual fee

HDFC Diners Club Privilege Credit Card

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500 (waived off on spending Rs. 3 Lakh in the previous year)

Key Features:

Membership Privileges- Complimentary membership to Zomato Gold, Amazon Prime, MakeMyTrip Double Black, Times Prime and Big Basket Star. These memberships can be availed upon spending Rs. 75,000 or more in the first 90 days.

Airport Lounge Access- 12 complimentary visits in a year to 700+ airport lounges in India and abroad.

Reward Earning- 4 reward points per Rs. 150 spent. 2X rewards on dining.

Reward Redemption– Redeem rewards against the following:

• Hotel and flight tickets booking up to 70% of the booking value (1 point = Re. 0.50)
• Avios, Intermiles or KrisFlyer Miles (1 Reward Point = 0.5 Airmile)

Lifestyle Benefits– Discounts on spas, salons, gym and doctor consultation

Golf Program– 2 complimentary golf games per quarter globally

Milestone Benefit- Reach spending milestones and avail the following benefits:

• Spend Rs. 5 Lakh in a year and renew all your complimentary memberships
• Spend Rs. 40,000 in a calendar month and get 1 voucher worth Rs. 500 from BookMyShow, TataCLiQ or Ola Select membership

Low Forex Mark-up Fee– Pay only a 1.99% mark-up fee on all your spending in foreign currency

Who should get this card?

HDFC Diners Club Privilege Credit Card offers quite a rewarding experience to its users across all categories. You should apply for this credit card if:

• You would be able to make the most of all complimentary memberships
• You are fine with Rs. 2,500 annual fee
• You make foreign currency spends and would like to save on the mark-up fee

Read Detailed Review of HDFC Diners Club Privilege Credit Card

Types of Credit Cards offered by HDFC Bank

HDFC Credit Cards, like credit cards from most banks, have been designed to meet the varied needs of different customer segments. The bank offers premium credit cards, super-premium credit cards, premium travel credit cards, cash back credit cards, women’s credit cards, co-branded credit cards and business credit cards.

Suggested Read: 10 Best Credit Cards in India in 2022

We have divided the best HDFC Cards available today into various categories basis their features and fees to help you choose your ideal Credit Card.

HDFC Credit Card Eligibility Criteria

Though income requirement varies from card to card, some common criteria that everyone should meet in order to be eligible for HDFC credit cards are shown in the table below:

Income Eligibility for Top HDFC Credit Cards

How to Check Eligibility Online?

You can find HDFC credit cards you may be eligible for by providing your occupation and income details on bank website. You can also select from the list of card categories such as lifestyle, travel, entertainment, etc.

Check HDFC Credit Card Eligibility on Paisabazaar.com

To check your eligibility for HDFC credit cards, click here.

• Enter the details as asked and then filter the results by selecting HDFC Bank
• Now, you can see all the credit cards that you may be eligible for along with the chances of approval* for each card
• Choose a card and click on the ‘Check eligibility’ button
• You will now have to enter a few more details to check whether you are qualified for the selected HDFC Card

*You are more likely to be eligible for a card where your chances of approval are excellent.

How to Apply?

Currently, Paisabazaar does not offer any of the HDFC Bank credit cards. However, if you want to apply for a credit card through our platform, then you can follow the below-mentioned steps:

1. Provide your mobile number to start with the application process
2. You can find pre-approved offers on the screen once you enter the OTP
3. Compare available options and select the credit card that suits your requirements the best
4. Apply for the card and provide documents for smooth processing of the application

HDFC Bank Credit Card Offline Application Process
In order to get an HDFC Credit card offline, you need to make a physical visit to the nearest HDFC Bank branch. Meet the credit card customer representative and discuss your credit card requirements. Based on your eligibility and requirements, you may be advised a credit card that can best fit your needs. Proceed further by submitting the credit card application form along with the required documents. As and when your credit card application is approved, you may receive your card in a few working days.

HDFC Credit Card Fees and Charges

Some common charges applicable to all cards offered by HDFC are shown in the table below:

Click here to check other associated fees and charges.

*Fees and charges may vary for certain credit card variants. Refer to the card-specific charges before applying.

HDFC Credit Card Rewards Program

Every time you use your HDFC credit card, reward points will be credited to your account. The number of reward points you earn will vary depending on the type of credit card you have and also on the spending patterns on the card. Once you have accumulated enough reward points in your credit card account, you can redeem them against a multitude of gift vouchers and merchandise.

How to Redeem HDFC Reward Points?

HDFC credit card users can redeem the reward points online as well as offline. For HDFC Credit Card online redemption, follow the process given below-

• Login to your HDFC Credit Card Net Banking
• From the left navigation bar, click on the ‘Redeem Reward Points’ option
• Select the card and then you will be redirected to the rewards redemption portal
• Select ‘Points Range’ and ‘Item Category’ to view your reward redemption catalogue
• Once you have selected the items against which you want to redeem your points, click on the ‘View Shopping Cart’ link to view the selected items. You can also modify the quantity by clicking on ‘Edit’
• Once you submit, the items will reach the address mentioned by you. Note that the redeemed points cannot be revoked
• Keep the redemption order number generated for reference

For offline redemption, you can fill the redemption form and mail it to the bank. You can download the redemption form from the netbanking portal.

Suggested Read: HDFC Bank Credit Card Reward Points  |  How to Redeem HDFC Bank Credit Card Reward Points |  HDFC Bank Credit Card Rewards Catalogue

HDFC Credit Card Login for Netbanking

HDFC Bank offers online net banking services to its customers using which they can manage their credit card account conveniently. Here is the detailed process of HDFC Credit Card login:

• You need to register for Netbanking services using your registered mobile number and customer ID.
• With Netbanking, users can benefit from the following services-
  • Look at their previous 6-month statement easily
  • Registering or deregistering for an autopay option
  • Generating and/or resetting a PIN for the card
  • Blocking or hot listing the card
  • Application of the loan on the card
  • Request for conversion of the outstanding balance into EMI
  • Enhancement of the credit limit
  • Redemption of the reward points
  • Make credit card bill payment and more

To know more about HDFC Credit Card Login to Netbanking, Click Here.

Quick Links to Manage Your HDFC Credit Card

Learn how to manage everything related to your credit card easily. Read step-by-step procedure on how to pay bills online, update address, change PIN and more.

HDFC Credit Card Customer Care

Credit Card users can get in touch with the bank’s customer care by calling on their toll-free number:

1800-202-6161/ 1860-267-6161*

*This number is accessible across India.

Click here to find city-wise details and other ways of reaching customer care.

To learn about more ways to reach HDFC credit card customer care number, click here.

Frequently Asked Questions

Which HDFC credit card is best?

HDFC Bank offers a range of credit cards to meet various needs of cardholders. There are cards to suit various expenditure trends such as shopping, travel, lifestyle, dining, etc. and is also categorised for the income category they fall into. You should opt for a credit card that meets your requirements.

How to close HDFC credit card online?

If you want to block/hotlist your credit card, log in to HDFC netbanking and select the ‘Credit Card Hotlist’ option. If you want to cancel your credit card, you can fill the HDFC Bank credit card closure form online. Once your application is approved, the bank will contact you to know the reason and confirm the cancellation. Click Here to read in detail.

What are the eligibility criteria to apply for HDFC Regalia Credit Card?

For Salaried Individuals, you need to be in the age bracket of 21 to 60 years with a gross monthly income of more than Rs. 70,000 and for Self Employed individuals, you should be in the age bracket of 21-65 years with an ITR of more than Rs. 8.4 Lakh p.a.

How to increase HDFC credit card limits online?

To increase your Credit Card limit online, you need to log in to the credit card net banking portal. After that, go to the cards section and click on the ‘Request’ option. Now, select the ‘Credit Limit Enhancement’ option. Enter your credit card details and verify. A pop-up stating the relevant credit limit will appear if your card is qualified for a credit limit increase. The bank will verify your application and contact you for further processing.

How to check HDFC credit card statements online?

You can check your credit card statement online by visiting the official HDFC website and logging in to your account. Go to ‘Cards’ and select the ‘Enquire’ option to view your statement. Besides that, you can also use HDFC MobileBanking App to download your billed statement.

How to pay HDFC credit card bill online?

You can pay your credit card bill online via the HDFC MobileBanking app and/or Netbanking portal. To know more about this, click here.

How to change address in HDFC credit card online?

To change your address in credit card online, you need to login into the bank’s portal by using your registered user name and password. Go to the ‘Contact Details Update’ option and select ‘Update Address’. After that, attach the suitable address proof document and click on ‘Continue’. Once the document is verified the new address is updated automatically.

How to change credit card PIN online?

To change your credit card PIN online, Visit the net banking portal and log in to your HDFC net banking account. Now, click on ‘Cards’ and choose the option, ‘Credit Card’. Select ‘Credit card options’ and go to ‘Change PIN’. verify by entering the OTP received on your registered mobile number. After that, enter a new 4-digit PIN as per your choice and confirm.

Which is the best HDFC credit card for travel?

HDFC Regalia Credit Card, HDFC Diners Club Miles Credit Card, and HDFC Regalia First Credit Card are the best travel credit cards. HDFC Travel Credit Cards provide exclusive travel benefits such as complimentary airport lounge, rewards on travel bookings, air miles conversion, and much more. One can also benefit from low forex markup fees on international spendings with HDFC cards.

What should be done in case the credit card is stolen or lost?

In such a situation, you can contact the customer care executive of HDFC Bank at (prefix STD Code): 6160-61616. The bank executives will then guide you with the steps that need to be followed.

Why did my HDFC credit card application get rejected?

There are different reasons based on which the bank or the financial institution can reject or hold your credit card application. Some of the reasons can include a low CIBIL Score or not meeting the eligibility requirement as set by the bank. The best option in this scenario would be to contact the bank executives and they shall provide you with an appropriate reason for rejection.

Which HDFC credit card is free?

There are a number of Credit Cards with a low annual fee and welcome vouchers that compensates for the joining and/or annual fee, making it a free credit card. HDFC Moneyback, HDFC Solitaire, HDFC Freedom, and HDFC Times Titanium are some popular examples of low annual fee credit cards. To read in detail, click here.

Is it good to have an HDFC Credit Card?

HDFC credit cards benefits are spread across several categories such as shopping, travel, entertainment, rewards, cashback and more. If you are looking for cards with good features and exclusive benefits, HDFC credit cards can be your first choice.

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