Types of HDFC Credit Cards Available in India 2023

Types of HDFC Credit Cards Available in India 2023

HDFC Bank is India’s largest private sector bank (in terms of assets), which provides a wide range of credit cards in the country. There are a variety of HDFC credit card types available for customers to choose from, which makes it easy to understand why it is amongst the best credit card providers right now. The HDFC credit card types are customized to cater to a wide range of customers' needs. In this article, we will discuss the best HDFC credit card types available in the market right now.

Best HDFC Credit Cards 2023

HDFC offers credit cards under different categories, including travel, fuel, lifestyle, premium, rewards, cashback, super-premium, EMI, etc.. Amongst such a wide variety, we have enlisted some of the Best HDFC Credit Cards here:

Features & Benefits of HDFC Credit Card Types in India

HDFC MoneyBack Credit Card

Joining and Annual Fee: Rs. 500 + applicable taxes

Key Features:

• Get 12 complimentary airport lounge visits within India and 6 outside India.
• Get 4 reward points on spending per Rs. 150 on every retail spending except fuel.
• Get 10,000 bonus reward points upon reaching annual spending of Rs. 5 Lakhs and additional 5,000 reward points upon reaching milestone annual spending of Rs. 8 Lakhs.
• Redeem accumulated reward points against a premium range of products and vouchers from the rewards redemption catalogue, against flights and hotel bookings, or against the exclusive reward redemption portal.
• Save up to 20% on all your restaurant bill payments at 20k+ restaurants through Swiggy Dineout. 
• Get 1% fuel surcharge waiver across all fuel stations in India on a minimum transaction value of Rs. 400 and a maximum of Rs. 5,000.
• Renewal fee is waived on spending more than Rs. 3 Lakhs in the previous year.
• Get Accidental Air Death Cover worth Rs. 1 Crore, Emergency Overseas Hospitalization up to Rs. 15 Lakhs, and Lost Card Liability Cover up to Rs. 9 Lakhs.

Also Check: HDFC CIBIL Score

HDFC Regalia Credit Card

Joining and Annual Fee: Rs. 2,500 + applicable taxes

Key Features:

• Get 12 complimentary airport lounge visits within India and 6 outside India.
• Get 4 reward points on spending per Rs. 150 on every retail spending except fuel.
• Get 10,000 bonus reward points upon reaching annual spending of Rs. 5 Lakhs and additional 5,000 reward points upon reaching milestone annual spending of Rs. 8 Lakhs.
• Redeem accumulated reward points against a premium range of products and vouchers from the rewards redemption catalogue, against flights and hotel bookings, or against the exclusive reward redemption portal.
• Save up to 20% on all your restaurant bill payments at 20k+ restaurants through Swiggy Dineout. 
• Get 1% fuel surcharge waiver across all fuel stations in India on a minimum transaction value of Rs. 400 and a maximum of Rs. 5,000.
• Renewal fee is waived on spending more than Rs. 3 Lakhs in the previous year.
• Get Accidental Air Death Cover worth Rs. 1 Crore, Emergency Overseas Hospitalization up to Rs. 15 Lakhs, and Lost Card Liability Cover up to Rs. 9 Lakhs.

HDFC Millennia Credit Card

Joining and Annual Fee: Rs. 1,000 + taxes

Key Features:

• Get 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Sony LIV, Swiggy, Uber, Tata CLiQ, and Zomato.
• Get 1% cashback on all other spends including EMI & Wallet transactions (except fuel). 
• Get Rs. 1,000 worth of gift vouchers on spending Rs. 1 Lakh or more in every quarter. 
• Get up to 20% discount on partner restaurants through Swiggy Dineout.
• Lounge Access Facility– Get 8 free domestic lounge access every year.
• Get 1% fuel surcharge waiver across all fuel stations in India on a minimum transaction of Rs. 400 and a maximum of Rs. 5,000. 
• Get 1000 Cash Points on payment of the membership fee.
• Spend Rs. 1 Lakh or more in the previous 12 months and get the renewal fee waived for the next year.

HDFC Diners Club Rewardz Credit Card

Joining and Annual Fee: Rs. 1,000 + taxes

Key Features:

• Get joining as well as renewal benefits of 1,000 bonus reward points on making the joining and renewal fee payment every year.
• Earn 3 reward points for spending every Rs. 150.
• Earn up to 5% cashback for spending done via SmartBuy.
• Get products as well as vouchers from the rewards program catalogue when redeeming reward points. Additionally, utilize the accumulated points to even book flight tickets and hotel stays.
• Enjoy 24x7 concierge service for your travel needs.
• Lowest markup of just 3% on foreign currency transactions.

HDFC IndianOil Credit Card

Joining and Annual Fee: Rs. 500 + applicable taxes

Key Features:

• Earn up to 50 litres of free fuel annually.
• Earn 5% of your spending as Fuel Points at IndianOil outlets (maximum 250 Fuel Points per month in the first 6 months & 150 Fuel Points after 6 months from card issuance).
• Earn 5% of your grocery spends and bill payments as Fuel Points (maximum 100 Fuel Points per month on each category).
• Earn 1 Fuel Point for spending every Rs. 150 on all other purchases. 
• Get complimentary membership of the IndianOil XTRAREWARDSTM Program (IXRP).
• Get 1% fuel surcharge waiver across all fuel stations in India on a minimum transaction of Rs. 400. 
• Get a waiver on the renewal membership fee on spending Rs. 50,000 and above in the first year.
• Fuel Points are valid for a period of 2 years.

HDFC Freedom Credit Card

Joining and Annual Fee: Rs. 500 + applicable taxes

Key Features:

• Earn 10X Cash Points on Big Basket, BookMyShow, Swiggy, OYO & Uber.
• Earn 5X Cash Points on EMI spends at merchant locations.
• Earn 1 Cash Point for spending every Rs.150 on other categories (except fuel, wallet/ prepaid card loads & voucher purchases). 
• Lower interest rate of 0.99% for first 90 days on non-EMI spending from card issuance date.
• Get up to 20% discount on 20+ partner restaurants through Swiggy Dineout.
• Spend Rs. 50,000 or above in a year to get your renewal fee waived. 
• Get a 1% fuel surcharge waiver on fuel transactions of a minimum of Rs. 400 and a maximum of 5,000.
• Get 500 Cash Points on payment of the membership fee.

HDFC Infinia Credit Card

Joining and Annual Fee: Rs. 12,500 + applicable taxes

Key Features:

• Get welcome & renewal benefits of 12,500 reward points on fee realisation and card activation.
• Spend Rs. 10 lakhs or more in the previous year and get the renewal membership fee waived for the next year.
• Book a stay for 3 nights and pay for only 2 at participating ITC hotels. 
• Get a 1+1 complimentary buffet at participating ITC hotels.
• Get complimentary Club Marriott membership for the first year offering up to 20% discount for dining & stay across the Asia-Pacific region. 
• Get unlimited access to 1000+ airport lounges across the world for Primary and Add-on members.
• Get unlimited complimentary golf games at some leading courses across India and select courses across the world. 
• Earn 5 reward points for spending every Rs. 150.
• Get an additional 15% off on all your bills at 20k+ partner restaurants via Swiggy Dineou.
• Enjoy amazing dining benefits with the Good Food Trail program.
• Get a 24x7 Global Personal Concierge. 
• Get a 1% fuel surcharge waiver across all fuel stations in India on transactions between Rs. 400 and Rs. 1,00,000.

HDFC Diners Club Black Credit Card

Joining and Annual Fee: Rs. 10,000 + applicable taxes

Key Features:

• Get complimentary annual memberships for Amazon Prime, Club Marriott, Swiggy One (3 months), Forbes, and MMT BLACK on spending Rs. 1.5 Lakhs within the first 90 days or on first-year fee realization. This benefit can also be availed on achieving annual spending of Rs. 8 Lakhs.
• Get complimentary vouchers for Ola cabs/ cult.fit Live/ BookMyShow/ TataCliQ on spending over Rs. 80,000 every month.
• Earn 5 reward points for every spending every Rs. 150.
• Earn up to 10x reward points through SmartBuy & 2X on weekend dining.
• Get 6 complimentary golf games per quarter on the finest courses in the world.
• Avail of exclusive discounts at leading salons, spas, gyms & other wellness retreats.
• Get unlimited access to 1000+ airport lounges in India & worldwide for primary and add-on card members. 
• Get 1% fuel surcharge waiver across all fuel stations in India on a minimum transaction of Rs. 400.
• Select any 2 benefits amongst cult.fit Live 1-month membership/ BookMyShow/ TataCLiQ/ Ola Cabs vouchers worth Rs. 500 each month on spending Rs. 80,000. 
• Get Air Accident Insurance worth Rs. 2 Crores, Emergency Overseas Hospitalisation worth Rs. 50 Lakhs, Travel Insurance Cover up to Rs. 55,000 on baggage delay, and Credit Liability Cover up to Rs. 9 Lakhs.
• Get up to 25% off on all your restaurant bill payments done via Swiggy Dineout. 
• Spend Rs. 5 Lakhs in a year and get the renewal fee waived for the next renewal year.

HDFC Platinum Plus Credit Card

Joining and Annual Fee: Rs. 399 + GST

Key Features:

• Earn 2 reward points for spending every Rs. 150.
• Get 50% more rewards for spending every Rs. 150 above Rs. 50,000 per statement cycle.
• Get up to 3 add-on cards free for your family.
• Protect yourself against fraud with HDFC’s EMV Chip technology.
• Get zero liability on the lost card if reported immediately.
• Pay utility and phone bills easily by registering your card for SmartPay.
• Get 50 days of interest-free credit.

HDFC Business Platinum Credit Card 

Joining and Annual Fee: Rs. 299 + GST

Key Features:

• Get 1% cashback for all retail spends on a minimum statement balance of Rs. 50,000.
• Get 0.5% cashback for all retail spends on a minimum statement balance of Rs. 10,000.
• Flat 1% cashback on international spends of Rs. 10,000 or above in a statement cycle.
• 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5000, maximum waiver of up to Rs. 500 per statement cycle.
• Get complimentary access to airport lounges at various airports in India. 
• Zero liability on any fraudulent transactions on your card if you report it immediately to HDFC’s 24-hour call centre. 

HDFC Solitaire Credit Card 

Joining and Annual Fee: Rs. 500 + GST

Key Features:

• Earn 3 reward points for spending every Rs. 150.
• Get 50% more reward points on dining & grocery expenses.
• Reward points can be redeemed for exclusive gifts and offers.
• You can also redeem your reward points for cashback against the outstanding amount on your credit card (100 points = Rs. 20).
• Spend Rs. 50,000 in a year and get the next year's annual membership fee waived off.
• Get vouchers worth Rs. 1,000 on spending Rs. 75,000 in 6 months. Earn up to 2 vouchers a year.
• Get a 1% fuel surcharge waiver across all fuel stations in India on transactions between Rs. 400 and Rs. 5,000. Maximum waiver of Rs. 250 per statement cycle.
• Zero liability on the lost card if reported immediately.

Eligibility Criteria of HDFC Credit Cards Types

Following are some common eligibility criteria for HDFC credit cards. Please note that the eligibility parameters may vary from one card to another.

• The applicant must be an Indian citizen.
• The applicant must be at least 18 years old.
• The maximum age for credit card issuance is 60 years for salaried and 65 years for self-employed.
• Each credit card has a specific income requirement. Some cards may require a minimum monthly income of Rs. 25,000, while others may require a minimum income of at least Rs. 1 Lakh.
• The applicant must have a savings account or a salary account with HDFC Bank.

How to Check Eligibility for HDFC Credit Cards online?

On HDFC Bank’s website, you can check your eligibility for various HDFC credit card types by providing your basic required details like age, income, occupation, etc. Upon knowing the cards available for you, choose the most suitable card as per your spending pattern and also after factoring in the available HDFC credit card types and charges applicable to them.

Documents Required

Apart from a duly filled application form, applicants also need to submit proof of identity, proof of address and proof of income. Given below is the detailed list of acceptable documents in each category when comparing and choosing among HDFC Bank credit card types.

• Proof of identity: Passport, PAN Card, Aadhaar Card, Driver's License, Voter's ID, Person of Indian Origin Card, Overseas Citizen of India Card, Job Card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof. 
• Proof of address: Aadhaar Card, Passport, Driver’s License, Utility Bills (should not be more than 3 months old), Ration Card, Property Registration Document, Person of Indian Origin Card, Job Card issued by NREGA, Bank Account Statement or any other government-approved address proof 
• Proof of income: Latest 1 or 2 salary slips (should not be more than 3 months old), last 3 months' bank statement, Latest Form 16

HDFC Credit Card Types Fees & Charges

When comparing the various HDFC credit card types offered, it is important for you to have a look at the applicable charges and then finalize the best card according to your requirement and spending pattern. Below is the complete list of HDFC credit card fees and charges:

In addition to the charges mentioned above, HDFC Bank also levies the charges mentioned below:

• Conversion charges - Auto EMI: 20% p.a. Interest rate & Rs. 99 + GST processing fee; Applicable on every transaction (excluding Fuel, Gold, & Jewellery) of Rs. 10,000 or above done on Easy EMI Credit Card.
• Railway ticket purchase fee: 1% of the transaction amount + GST (except HDFC Bank IRCTC Credit Card). 
• Cash processing fee: Rs. 100.
• Payment return charges: 2% of the payment amount (minimum Rs. 450). 
• Rewards redemption fee: Rs. 99 per redemption request (except Infinia/ Infinia Metal Edition/ Diners Black Card). 
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Rent pay transactions charges: 1% fee on the transaction amount.
• Balance Transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher. 
• Insta Loan, Jumbo Loan & Smart EMI: Processing fee Rs. 999 + GST & pre-closure charges 3%.
• Insta card-related charges: Wallet loading transaction charges of 2.5% of the load value.
• Priority Pass Lounge charges: $27 (INR equivalent) + taxes per person per visit (for Regalia/ Doctor's Regalia/ Regalia First/ Tata Neu Infinity cards). 
• Card validation charges: Rs. 2 will be charged (all variants except MasterCard). 
• Reissuance of lost/ stolen/ damaged card: Rs. 100. 
• Charges for cards issued against Fixed Deposit: 1.99% per month (23.88% annually).
• Dynamic currency conversion Markup Fee: 1%.
• Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000. 
• Default charges: Up to Rs. 1,300.
• Overdue interest charges: 2.5% of the over-limit amount, a minimum of Rs. 550 (excluding Infinia, Infinia - Metal Edition). 

How to Apply HDFC Credit Card Types in 2023?

There are several ways to apply for the chosen HDFC Credit Card. You can either apply online through net banking, mobile banking or directly visit the HDFC bank branch nearest to you. Let’s understand the steps involved in the easiest process amongst these all, i.e. online submission of credit card application.

• Visit the HDFC Bank website and click on the credit cards category to know the wide range of HDFC credit card types offered.
• Check the diverse HDFC credit card types and features in order to help yourself in selecting the best one as per your requirement.
• Then click on apply online and fill in the required details such as your name, date of birth, mobile number, email ID, city, income pin code, PAN number etc. Accordingly, enter the security code you got on your mobile and/or email, and then click on Submit option.
• Now, just wait to get an SMS/Email/call from HDFC Bank in order to take forward your credit card application.

Frequently Asked Questions (FAQs)

✅Which credit card is best when comparing amongst the various HDFC Bank credit card types offered by HDFC Bank?

HDFC Bank offers an extensive range of credit cards and different  HDFC credit card types aimed to meet various needs of consumer segments and to spend patterns like travel, fuel, shopping, cashback, etc. Finalize only after comparing various HDFC credit card types and their features of them, and accordingly go for the credit card that best meets your eligibility and spending habits.

✅Can you increase your HDFC credit card limit online?

Those wanting to avail of an increased credit limit on their HDFC Credit card can log in to the net banking portal, then go to the cards section and select the 'Request' option. Next, choose the ‘Credit Limit Enhancement’ option available there. Then enter your credit card details, and do the verification required. Now you will see a pop-up telling you whether you are eligible for an increase in credit limit or not. If yes, then your credit limit will be increased post-completion of all the required processes depending on the HDFC Bank credit card types.

✅What is the process to check HDFC credit card statements online?

HDFC credit card users can conveniently check their HDFC Credit Card Statements Online. All they are needed to do is visit the HDFC website, log in to your account, go to the 'Cards' section, and then choose the ‘Enquire’ option in order to view your statement. Alternatively, you can also check your statement through HDFC MobileBanking App. If you had opted for mailed statements, then the statement would have been emailed to you as well.

✅How can you change HDFC credit card PIN online?

Depending upon the varying HDFC credit card types and features offered for the chosen credit card that you have, the steps to change the HDFC pin are simple and can be done online itself. Just visit the HDFC net banking portal, log in to your HDFC net banking account and then click on the 'Cards' section, and select the 'Credit Card' option. Then, choose ‘Credit card options’ and select the ‘Change PIN’ facility. Now go ahead to verify this request by entering the OTP received from HDFC Bank on your registered mobile number. Once this is done, you can enter a new 4-digit PIN according to your choice and then finally confirm it.

✅Which is the best credit card offered by HDFC for travel?

Amongst the wide range of HDFC Bank credit card types and within that multiple cards offered for the travel segment, HDFC Regalia and HDFC Diners Club Miles Credit Card are amongst the best travel credit cards provided by HDFC Bank. Travel Credit Cards offered by HDFC Bank provide a host of exclusive travel benefits like complimentary airport lounge access, higher rewards on flight and hotel bookings, low markup fees, air miles conversion facility etc.