Best HDFC Credit Cards
HDFC cards come in Super Premium, Co-Branded, Professional, Premium Travel, Premium Women, Premium, Regular, Commercial, and CashBack categories. HDFC offers some of the Best Credit Cards in India. Right from exclusive Teacher's Card, Doctor's Card, Fuel Card, Travel Card, Women's Card, to Corporate Cards, HDFC has a customised card for each segment.
Top 10 HDFC Credit Cards
| Credit Card | Type | Features & Benefits |
|---|---|---|
| HDFC MoneyBack Credit Card | Cashback |
|
| HDFC Solitaire Credit Card | Women/ Essentials |
|
| 6E Rewards - IndiGo HDFC Bank Credit Card | Travel |
|
| HDFC Regalia Credit Card | Super Premium/ Rewards |
|
| HDFC Diners Club Black Credit Card | Luxury/ Rewards |
|
| HDFC Bank Platinum Plus Credit Card | Rewards |
|
| HDFC Bank INFINIA Metal Edition Credit Card | Luxury/ Rewards |
|
| HDFC Corporate Premium Credit Card | Business Card |
|
| HDFC Bank Times Platinum Credit Card | Reward/ Lifestyle |
|
| HDFC Bharat Credit Card | Cashback- for emerging India |
|
The above list of the best 10 HDFC credit cards is based on the popularity of these HDFC Cards. There is no one-size-fits-all product. You must compare the features of different cards and choose the best match according to your specific needs. However, there is a list of HDFC Lifetime Free Credit Cards you can apply.
Types of HDFC Credit Cards
HDFC New Launched Credit Cards:
- 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 Bank UPI RuPay Credit Card
HDFC Essentials Credit Cards:
HDFC Luxury Credit Cards:
- INFINIA Metal Edition
- Diners Club Black Credit Card
HDFC Co-Branded Credit Cards:
- Tata Neu Infinity HDFC Bank Credit Card
- Tata Neu Plus HDFC Bank Credit Card
- Shoppers Stop HDFC Bank Credit Card
- Shoppers Stop Black HDFC Bank Credit Card
- Paytm HDFC Bank Credit Card
- Paytm HDFC Bank Select Credit Card
- Paytm HDFC Bank Mobile Credit Card
- Paytm HDFC Bank Digital Credit Card
- HDFC Bank Times Platinum Credit Card
- HDFC Bank Times Card Credit
- 6E Rewards - IndiGo HDFC Bank Credit Card
- 6E Rewards XL- IndiGo HDFC Bank Credit Card
HDFC Lifestyle Credit Cards:
- Regalia Gold Credit Card
- Millennia Credit Card
- MoneyBack+ Credit Card
- Diners Club Privilege Credit Card
HDFC Travel Credit Cards:
- Regalia Gold Credit Card
- IRCTC HDFC Bank Credit Card
- 6E Rewards - IndiGo HDFC Bank Credit Card
- 6E Rewards XL- IndiGo HDFC Bank Credit Card
HDFC Shopping Credit Cards:
- Tata Neu Infinity HDFC Bank Credit Card
- Tata Neu Plus HDFC Bank Credit Card
- Shoppers Stop HDFC Bank Credit Card
- Shoppers Stop Black HDFC Bank Credit Card
HDFC Fuel Credit Cards:
- IndianOil HDFC Bank Credit Card
HDFC EMI Credit Cards:
- Easy EMI Card
HDFC Business Credit Cards:
- HDFC Bank UPI RuPay Biz Credit Card
- Business Regalia
- Business MoneyBack
- Pine Labs HDFC Bank Credit Card
- Pine Labs HDFC Bank Pro Credit Card
- CSC Small Business MoneyBack
- Paytm HDFC Bank Business Credit Card
- Paytm HDFC Bank SELECT Business Credit Card
- Best Price Save Max HDFC Bank Credit Card
- Best Price Save Smart HDFC Bank Credit Card
- Flipkart Wholesale HDFC Bank Credit Card
HDFC Commercial Credit Cards:
- Corporate Platinum Credit Card
- Corporate Premium Credit Card
- HDFC Bank & SAP Concur Solutions Black Corporate Credit Card
- HDFC Bank & SAP Concur Solutions Prime Corporate Credit Card
- Purchase Premium Credit card
- Purchase MoneyBack Credit Card
- Purchase Credit Card
- Purchase Reward Card
- Central Travel Account
- AP: Accounts Payable Program
- AR: Accounts Receivable Program
- Auto Insurance program
- Dealer Credit Card
- Fleet Program
- TMC Card
Other HDFC Credit Cards:
- All Miles Credit Card
- Bharat Credit Card
- Diners Club Premium Credit Card
- Diners Club Rewardz Credit Card
- Doctor's Regalia Credit Card
- Doctors Superia Credit Card
- JetPrivilege HDFC Bank Select / Titanium
- Platinum Edge Credit Card
- Platinum Plus Credit Card
- Solitaire Credit Card
- Superia Credit Card
- Teachers Platinum Credit Card
- Titanium Edge Credit Card
- Visa Signature Credit Card
- World MasterCard Credit Card
- MoneyBack Credit Card
- Regalia First Credit Card
- Diners ClubMiles Credit Card
- Regalia Credit Card
- InterMiles HDFC Bank Diners Club Credit Card
- InterMiles HDFC Bank Signature Credit Card
- InterMiles HDFC Bank Platinum Credit Card
Redeeming Reward Points on HDFC Credit Cards
Redeeming reward points on HDFC Credit Cards is a process that offers value for your money, although it may vary based on the specific credit card and reward program. Here is a general guide to redeeming reward points on HDFC Credit Cards:
- Flight and Hotel Bookings via Smartbuy:
- Value: 1 Reward Point (RP) = INR 1
- You can redeem your reward points to book flights and hotels through the Smartbuy portal.
- Apple Products and Tanishq Vouchers via Smartbuy:
- Value: 1 RP = INR 1
- Reward points can be utilized to purchase Apple products or Tanishq vouchers via the Smartbuy platform.
- Airmiles Conversion through Netbanking:
- Value: 1 RP = 1 air mile
- You have the option to convert your reward points into airmiles of select airline loyalty programs through the HDFC Netbanking portal.
- Products and Vouchers via Netbanking or SmartBuy:
- Value: 1 RP = up to INR 0.50
- Reward points can be redeemed for a variety of products and vouchers available on the HDFC Netbanking portal or Smartbuy platform.
- Cashback:
- Value: 1 RP = INR 0.30
- You can choose to convert your reward points into cashback, where 1 reward point is equal to INR 0.30.
It's important to note that the above values are general guidelines and may vary depending on the specific credit card and redemption option you choose. Additionally, HDFC Reward Points are typically valid for a period of two years from the date of accumulation.
HDFC Credit Cards Eligibility
To be eligible for an HDFC Bank Credit Card, the following factors are considered:
- Residential Status: The applicant must be an Indian citizen.
- Minimum Age: The applicant should be at least 18 years old.
- Maximum Age: The maximum age for credit card issuance is 70 years.
- Income Requirement: Each credit card has a specific income requirement. Some cards may require a minimum monthly income of INR 25,000, while others may require a minimum income of at least INR 1 lakh.
- Bank Account: The applicant must have a savings account or a salary account with HDFC Bank.
Additional Info: Check the HDFC Lounge Access Credit Card & apply.
Documents Required for HDFC Credit Card
To apply for an HDFC Bank Credit Card, you need to provide the following documents:
- PAN Card Photocopy: A copy of your PAN card is required as proof of your Permanent Account Number.
- Proof of Income (Choose one):
- Bank Statement: Three months' bank statements demonstrating your financial transactions.
- Form 16: A document issued by your employer providing details of your income tax deductions.
- IT Return Copy: Copy of your Income Tax Return filed with the tax authorities, indicating your income.
- Proof of Residence (Choose one):
- Passport
- Ration Card
- Utility Bills: Recent utility bills (e.g., electricity bill, telephone bill) issued within the last three months.
- Identity Proof (Choose one):
- Passport
- Driving License
- Aadhaar Card
- Voter ID Card
How to Apply for the Best HDFC Credit Cards
You can either visit a branch of the bank physically or apply on the official website.
Alternatively, you can also apply on our website. It is fast, safe and completely hassle-free to apply for a credit card online on MyMoneyMantra Portal.
We are India's leading financial services distribution company serving customers from 30 years. You can call, email or fill a 30-second form on the website. As you share your interest for a credit card, a unique customer id is allotted to you which is OTP protected. A card representative will call you and assist you in finding out the best match credit card for your needs and lifestyle choices.
We help customers find the best credit cards without any additional charges. We assure the fastest processing backed by doorstep delivery of the card.
Also Check: The Best Shopping Credit Cards in India.
Best HDFC Credit Cards FAQs
There are various HDFC credit cards which might leave you confused. Every HDFC credit card is meant for a specific purpose and comes with different minimum income requirements. The best HDFC credit card type depends on your needs. For instance, Regalia is a lifestyle credit card, InterMiles HDFC Bank Diners Club Credit Card is suitable for travellers, for those looking for fuel benefits, IndianOil HDFC Bank Credit Card is the best, and so on.
Additional Info: Check Credit Card Billing Cycle.
The HDFC credit card limit varies depending on the type of credit card, the user’s income, credit score, and other factors. Higher income and credit score usually means a higher credit card limit.
IndianOil HDFC Bank Credit Card is best to get the following fuel benefits:
- Up to 50 Litres free fuel annually.
- Earn 5% of spending as Fuel Points at IndianOil outlets (maximum 250 Fuel Points per month in the first 6 months and maximum 150 Fuel Points afterwards).
- Earn 5% of your spending as Fuel Points on Groceries & Bill Payments (maximum 100 Fuel Points per month on each category).
- Earn 1 Fuel Point on spending every Rs. 150 on all other purchases.
- 1% fuel surcharge waiver across all fuel stations in India, on minimum transaction of Rs. 400. Maximum cashback of Rs. 250 per statement cycle).
MoneyBack+ Credit Card, Regalia Credit Card, Millennia Credit Card, and Tata Neu Infinity HDFC Bank Credit Card are some of the best HDFC credit cards for cashback and offers.
Regalia Credit Card, Diners Club Privilege Credit Card, Millennia Credit Card, MoneyBack+ Credit Card, Freedom Credit Card, Shoppers Stop HDFC Bank Credit Card, Shoppers Stop Black HDFC Bank Credit Card, Paytm HDFC Bank Credit Card, Paytm HDFC Bank Select Credit Card, Paytm HDFC Bank Mobile Credit Card, Regalia First Credit Card, Diners ClubMiles Credit Card, Tata Neu Infinity HDFC Bank Credit Card, and Tata Neu Plus HDFC Bank Credit Card are best HDFC credit cards for lifestyle.
MoneyBack+ Credit Card, Regalia Credit Card, and Millennia Credit Card are the best HDFC credit cards for online shopping.
Reshma Rawat is a passionate writer, with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra, and writes blogs & webpages on financial products (loans, credit cards, insurance, financial policies by government, mutual funds, etc.
Abhijeet Singh has comprehensive experience in business writing, content management, SEO, social media and user analytics. Key areas of expertise include stock markets and personal finance.