Top 7 HDFC Credit Cards in India: A Must Checklist

28 Sep 2019 // 33 min read // Credit Cards
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HDFC Bank is one of the leading financial institutions of India and is also the largest private sector bank. Based on the quality of services and efficiency of its personnel, HDFC Bank has managed to earn the trust and respect of its customers. With 5000+ branches and an efficient customer care department, it is easier for the customers to get their queries and grievances resolved. HDFC offers a wide range of financial products for its customers, including Savings Accounts, Current Accounts, Fixed Deposits, Insurance Policies, Home Loans, Personal Loans, Business Loans, etc. Though, without any doubt, one of the most popular financial products offered by HDFC Bank to its customers is the wide range of HDFC Credit Cards.

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Best HDFC Credit Cards in India

HDFC Bank offers an extensive range of Credit Cards for its customers. The Credit Cards offered by HDFC Bank not only allow the customers to complete digital and cashless transactions but also offer a host of other benefits and rewards on purchases. With a wide range of Credit Cards on offer, it can be a little confusing for anyone to identify the best HDFC Credit Cards for their needs. For your convenience, here is a list of the top 7 HDFC credit cards for your perusal:

1. HDFC Regalia First Credit Card:

HDFC Regalia First is a premium Credit Card offered by HDFC Bank that bestows several amazing benefits to its customers.

Benefits and Rewards

  • Customers get Priority Pass Membership which entitles them to complimentary access to 1000+ Airport Lounges globally.

  • Dining privileges against the card allow the customers to avail up to 15% discount at partner restaurants.

  • 7,500 reward points on annual spends of Rs. 6 Lakh and 5,000 reward points on annual spends of Rs. 3 Lakh in an anniversary year.

  • 1% fuel surcharge is waived off on every fuel transaction of more than 400

  • On every Rs. 150 spent using the card; customers can earn 4 reward points.

Fees and Charges

  • An annual membership fee of Rs. 1,000 plus taxes is applicable on completion of every anniversary year. Customers can enjoy a waiver of annual fees by spending Rs. 1 Lakh or more in a year.

2. HDFC Freedom Credit Card:

It is one of the most popular HDFC Credit Cards in the market and offers some interesting benefits to the customers.

Benefits and Rewards

  • Customers are entitled to gift vouchers of Rs. 1,000 when the annual usage of the Credit Card is Rs. 90,000 or more.

  • Earn 5x reward points on transactions related to travel, groceries, dining, and movies.

  • 25x reward points on birthday spends.

  • Zero Lost Card Liability once the bank has been intimated regarding the loss of the card.

  • 1% fuel surcharge waived off on every fuel transaction for more than 400 (capped at Rs. 250 per month)

Fees and Charges

  • One-time joining fee and an annual membership renewal fee of Rs. 500 plus taxes is applicable. Customers can enjoy a waiver of annual fees by spending Rs. 50,000 or more in a year.

3. HDFC Bharat Credit Card:

This HDFC Credit Card offers a wide range of benefits to the customers and thus enjoys great demand.

Benefits and Rewards

  • Zero Lost Card Liability once the bank has been intimated regarding the loss of the card.

  • 5% cashback for IRCTC bookings made using the Credit Card. 5% cashback is also applicable on bill payments and fuel spends.

  • Cashback can be redeemed as reward points by the customers wherein

1 Reward Point = Re. 1

  • 1% fuel surcharge waived off on every transaction above Rs. 400 (subject to a maximum of Rs. 250 per month)

Fees and Charges

  • One-time joining fee and an annual renewal fee of Rs. 500 plus taxes is applicable. Customers can get the annual fee waived-off by spending more than Rs. 50,000 in a year.

4. HDFC Diners Club Black Credit Card:

It is one of the Best International Credit Cards coming from HDFC Bank and offers fantastic lifestyle benefits to the customers.

Benefits and Rewards

  • Customers get complimentary access to 700+ Airport Lounges in India as well as globally.

  • Dining privileges allow the customers to get up to 15% discount at 3,000+ partner restaurants across India.

  • On every Rs. 150 spent, customers can earn 5 reward points.

  • Unlimited complimentary golf games at the finest golf courses globally.

  • Lowest foreign currency mark-up of 2%.

Fees and Charges

  • One-time joining fee and an annual membership renewal fee of Rs. 5,000 plus taxes is applicable. Customers can enjoy a waiver of renewal fee by spending Rs. 5,00,000 or more annually.

5. HDFC Platinum Times Card:

This is a co-branded HDFC Credit Card which entitles the customers to amazing discounts on lifestyle spending.

Benefits and Rewards

  • Customers can enjoy up to 20% off on dining and 25% off on movie bookings at partner outlets.

  • Assorted discount vouchers for dining, shopping, apparel, etc. offered to the customer on signing-up for the card.

  • On every Rs. 150 spent, customers can earn 3 reward points

  • 1% fuel surcharge waived off on every transaction between Rs. 400 to Rs. 5,000 (subject to a maximum of Rs. 500 per month)

Fees and Charges

  • One-time joining fee and an annual renewal fee of Rs. 1,000 plus taxes is applicable.

6. HDFC Platinum Edge Credit Card:

This HDFC Credit Card entitles the customer to attractive cashback on various everyday transactions.

Benefits and Rewards

  • Zero Lost Card Liability once the bank has been intimated regarding the loss of the card.

  • Customers earn 2 reward points for every transaction of Rs. 150. 50% more reward points on all dining spend.

  • Reward points can be redeemed as cashback and are usable towards payment of the Credit Card dues.

  • Customers enjoy up to 50 days interest-free period, calculated from the date of transaction.

Fees and Charges

  • One-time joining fee and an annual renewal fee of Rs. 1,000 plus taxes is applicable. The first-year fee is reversed if the customer spends Rs. 10,000 in the first three months from the issue of the Credit Card. Customers can get the annual fee waived-off by spending more than Rs. 50,000 in a year.

7. HDFC Infinia Credit Card:

It is super-premium HDFC Credit Card that offers a wide range of benefits and rewards to the customers on every transaction.

Benefits and Rewards

  • Priority Pass Membership entitles the customers to complimentary access to 1000+ Airport Lounges globally.

  • Lowest foreign currency mark-up fee of 2% on all forex transactions.

  • Dining privileges against the card allow the customers to avail up to 15% discount at 3,000+ partner restaurants across India.

  • Earn 5 Reward Points for each spend of Rs. 150.

Fees and Charges

  • One-time joining fee and annual membership fee of Rs. 10,000 plus taxes is applicable. Customers can enjoy a waiver of Annual Fee by spending Rs. 8 Lakh or more in a year.

With such a vast range of benefits and rewards on offer, you must apply for an HDFC Credit Card that suits your lifestyle and enhance your shopping experience manifolds.

Also Read: Top 5 Credit Cards in India – Get Them Online Right Now

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