HDFC Best Credit Cards in Different Categories
In the vast landscape of credit cards, finding the perfect fit for your lifestyle and spending habits can feel like searching for a needle in a haystack. Fortunately, HDFC Bank stands as a beacon of excellence, offering a diverse range of credit cards tailored to meet the unique needs of individuals across various categories. Whether you're a frequent traveler, a savvy shopper, or someone who values cashback rewards, HDFC has a card designed just for you.
In this comprehensive guide, we embark on a journey to discover the cream of the crop among HDFC's credit card offerings. From premium cards laden with travel perks to cashback champions and rewards enthusiasts, we'll explore the top contenders in each category. Whether you're seeking luxurious travel experiences, unbeatable cashback offers, or exclusive privileges, you'll find the perfect companion in HDFC's lineup of credit cards.
Join us as we unveil the best HDFC credit cards across different categories, empowering you to make an informed choice and elevate your financial journey to new heights. Let's embark on this journey together and unlock the unparalleled benefits of HDFC credit cards.
Shopping: TATA Neu HDFC Infinity Card
Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes
Interest Rate: 3.49% per month i.e 41.88% annually.
Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance
Rewards: 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands, 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends, and 1% back as NeuCoins on UPI spends. 5% back as NeuCoins on selected Tata Neu App/Website categories, post downloading Tata Neu App and registering for Tata NeuPass.
The TATA Neu HDFC Infinity Card is a premium co-branded credit card that offers a plethora of benefits, making it an exceptional choice for shopping enthusiasts. The card provides 5% back as NeuCoins on non-EMI spends at Tata Neu and partner Tata brands, and 1.5% back on non-Tata brand spends, including UPI spends with a cap of 500 NeuCoins per month. Additionally, users can earn an extra 5% back as NeuCoins on selected categories on the Tata Neu App/Website after registering for Tata NeuPass. With these features, the TATA Neu HDFC Infinity Card stands out as a top-tier shopping credit card, offering rewards and a wide range of additional benefits that cater to the diverse needs of shoppers, travelers, and anyone looking for a secure and rewarding payment option.
Food/ Restaurant: HDFC Swiggy Credit Card
Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Welcome Benefit: Complimentary Swiggy One Membership for 3 months on card activation.
Rewards: Get flat 10% cashback on swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. Enjoy 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month.
HDFC Swiggy Credit is a credit card that offers exclusive dining benefits and offers for Swiggy customers. With this card, you can enjoy up to 10% cashback on food orders, free Swiggy Super membership for a year, and access to premium restaurants and cuisines. HDFC Swiggy Credit also comes with other features such as zero annual fees, fuel surcharge waivers, and reward points on other categories. Whether you are ordering food for yourself, your family, or your friends, HDFC Swiggy Credit is the perfect card for you.
Premium Card: HDFC INFINIA Credit Card
Joining fee: Rs.12,500
Interest Rate: 1.99% per month i.e. 23.88% annually.
Welcome Benefit: Complimentary Club Marriott membership and 12,500 reward points on card activation.
Rewards: Complimentary nights & buffet at participating ITC hotels, Complimentary Club Marriott membership for the first year, and Unlimited airport lounge access across the globe for Primary and Add-on members. Along with this the cards also offer a Complimentary Club Marriott membership for the first year that offers up to 20% discounts for Dining and stay across Asia–Pacific region.
The HDFC Infinia Credit Card is recognized as a top-tier premium credit card, offering a suite of exclusive benefits and privileges. It stands out with its metallic card design, symbolizing the card's elite status. Cardholders enjoy complimentary nights and buffets at participating ITC hotels, along with a complimentary Club Marriott membership for the first year, which includes up to 20% discounts on dining and stays across the Asia-Pacific region. Additionally, the Infinia Credit Card caters to golf enthusiasts with unlimited complimentary golf games and coaching at select courses worldwide. For international travelers, the card offers the lowest foreign currency markup fee of 2%, and in case of loss, a zero liability on fraudulent transactions upon immediate reporting. The card's concierge service is available 24/7, assisting with travel, entertainment, and business needs. These features, coupled with an interest-free credit period of up to 50 days and a nominal interest rate on revolving credit, make the HDFC Infinia Credit Card a compelling choice for those seeking a premium credit card experience.
Fuel: IndianOil HDFC Credit Card
Joining Fees: INR 500
Interest Rate: 3.6% per month i.e. 43.2% annually.
Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max Cashback of ₹250 per statement cycle).
Special Feature: Customers can earn up to 50 Litres of Free fuel annually.
This co-branded credit card from IndianOil and HDFC Bank gives rewards on petrol purchases as well as other areas of spending. At IndianOil locations, cardholders can receive up to 5% in fuel surcharge waivers, up to 5% in cashback on gasoline purchases, and up to 50 reward points for every Rs. 150 spent on eating, grocery, and bill payments. In addition, there is no yearly cost for the first year of the card and a nominal renewal fee of Rs. 500 for the second year.
Cashback: HDFC Swiggy Credit Card
Joining Fee / Renewal Membership Fee: ₹500 /- + Applicable Charges
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Welcome Benefit: Complimentary Swiggy One Membership for 3 months on card activation.
Reward System: 10% Cashback: On Food ordering, Instamart, Dineout & Genie on the Swiggy app. 5% Cashback: On online spends across eligible MCCs (list available on HDFC website). 1% Cashback: On all other categories, excluding certain exclusions (list available on HDFC website).
The HDFC Swiggy Credit Card is a notable option for those seeking substantial cashback rewards, especially for frequent users of the Swiggy platform. Cardholders can enjoy a 10% cashback on Swiggy app purchases, including food ordering, Instamart, Dineout, and Genie services. Additionally, the card offers a 5% cashback on other online spends across various merchant category codes (MCCs), and a 1% cashback on other categories. A standout feature is the complimentary Swiggy One Membership provided for three months upon card activation, which includes benefits like free delivery and exclusive discounts on select restaurants. The card also boasts an interest-free credit period of up to 50 days and a revolving credit facility at a nominal interest rate. With potential annual savings of up to Rs. 42,000, the HDFC Swiggy Credit Card positions itself as a competitive cashback credit card in the market.
Hotel Stay: HDFC Marriott Bonvoy Credit Card
Joining/ Renewal Membership Fee: Rs. 3000 + Applicable Taxes
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Welcome Benefit: Complimentary Marriott Bonvoy Silver Elite Status, and 1 Free Night Award plus 10 Elite Night Credits on the first spend transaction.
Special Feature: 1 Free Night Award on Eligible Spend of INR 6 lakhs in an Anniversary Year, 1 Free Night Award on Eligible Spend of INR 9 lakhs in an Anniversary Year, and 1 Free Night Award on Eligible Spend of INR 15 lakhs in an Anniversary Year.
The HDFC Marriott Bonvoy Credit Card stands out as a premier choice for hotel stays, offering unmatched benefits for travelers. Cardholders enjoy a complimentary Marriott Bonvoy Silver Elite Status, which unlocks additional privileges such as priority late checkout and bonus points on stays. The card also grants a Free Night Award and 10 Elite Night Credits upon the first eligible transaction, enhancing its value proposition. With the ability to earn up to 8 Marriott Bonvoy Points per Rs. 150 spent at participating hotels, and additional points for travel, dining, and entertainment expenses, the rewards accumulate rapidly. The card's milestone benefits further include up to 4 Free Night Awards annually, based on spending thresholds, making it an excellent option for frequent travelers who prefer the luxury and comfort of Marriott hotels.
Lifestyle: HDFC Regalia Gold Credit Card
Joining/ Renewal Membership Fee: INR 2500 + Applicable Taxes.
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Welcome Benefit: Free Club Vistara Silver Tier membership and MMT Black membership if you spend INR 1 lakh or above within 90 days of purchasing this card.
Milestone Benefit: Get INR 1,500 worth of vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital on spending INR. 1.5 Lakh in a quarter, get INR 5,000 worth of airline vouchers on spending INR 5 Lakh each year. Get an additional INR 5,000 airline vouchers on spending INR 7.5 Lakhs in any year.
The HDFC Regalia Gold Credit Card is a premium offering that caters to the discerning needs of lifestyle enthusiasts. It stands out as a top-tier credit card with a plethora of benefits tailored to enhance various aspects of life, from travel to dining, and shopping to leisure. The cardholders enjoy exclusive privileges such as complimentary Club Vistara Silver Tier and MMT Black Elite membership, which add significant value for frequent travelers. The card's reward program is particularly attractive, offering 5X Reward Points on spends at select lifestyle outlets like Marks & Spencer, Myntra, Nykaa, and Reliance Digital, making it an ideal choice for the fashion-forward and tech-savvy. HDFC Regalia Gold Credit Card is a comprehensive lifestyle credit card that offers a blend of luxury, convenience, and security. Its curated benefits make it an unmatched choice for those who seek the best in life and wish to experience the golden side of life with every transaction.
FD Credit Card: HDFC Titanium Credit Card
Joining/Renewal Membership Fees: ₹ 500/- plus Applicable Taxes
Interest Rate: 3.6% per month i.e. 43.2% annually
Welcome Benefits: Welcome vouchers worth 5000 across shopping, apparel, dining, and many more categories.
Special Feature: Users will be eligible for Complimentary Annual Times Prime Membership.
HDFC Titanium Times Credit Card is a secured credit card that is issued against a fixed deposit (FD) account. This card offers benefits such as reward points, discounts on dining and movies, and low interest rates. To apply for this card, you need to have an FD account with HDFC Bank with a minimum amount of Rs. 25,000. The credit limit of the card will be 85% of the FD amount. This card is suitable for people who want to build or improve their credit score while enjoying some perks.
Travel Card: 6E Rewards XL - IndiGo HDFC Bank Credit Card
Joining/ Renewal Membership Fee: Rs.1, 500/- + Applicable Taxes
Interest Rate: 3.6% per month (43.2% annually)
Welcome Benefit: 1 Complimentary flight ticket worth Rs.3000, 1 Complimentary 6E Prime Add-On - Priority check-in, choice of seat, a complimentary meal & quicker baggage).
Special Feature: 12 golf lessons and 4 rounds of green fees at select golf courses.
The 6E Rewards XL - IndiGo HDFC Bank Credit Card is a premium travel credit card offering a multitude of benefits, especially for those who frequently fly with IndiGo. Cardholders can earn 6E Rewards on every purchase, which are redeemable for IndiGo flights and services. The card provides an impressive 5 6E Rewards per Rs.100 spent on IndiGo flights, and 2 to 3 6E Rewards per Rs.100 on other categories like dining, entertainment, and groceries. Additionally, it offers 8 complimentary domestic airport lounge accesses per year, discounted convenience fees on IndiGo tickets, and exclusive dining privileges through the Good Food Trail Dining program at premium restaurants across top cities. The foreign currency markup fee is competitive at 2.5%, and cardholders benefit from up to 50 days of interest-free credit period and revolving credit at a nominal interest rate. The welcome benefits include a complimentary flight ticket worth Rs.3000 and a 6E Prime Add-On, which provides priority check-in, choice of seat, and a complimentary meal. With these features, the 6E Rewards XL card stands out as a top choice for travelers seeking value and convenience in their journeys.
Best RuPay Card: HDFC Bank UPI RuPay Credit Card
Joining/ Renewal Membership Fee - ₹99/- + Applicable Taxes.
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Welcome Benefit: None
Special Feature: UPI Transactions can be made through this Credit Card
The HDFC Bank UPI RuPay Credit Card is a virtual credit card designed to integrate the benefits of UPI payments with the features of a credit card. It allows users to earn rewards on their UPI purchases by linking the card to UPI apps. Key features include earning 3% Cashpoints on groceries, supermarket, and dining spends, as well as PayZapp transactions, with a cap of 500 points per calendar month. Utility spends earn 2% Cashpoints, and other spends earn 1%, excluding certain categories like rent, wallet loads, and fuel. The card offers up to 50 days of interest-free credit from the date of purchase and the option for revolving credit at a nominal interest rate. The renewal membership fee can be waived off by spending ₹25,000 or more in an annual year. CashPoints can be redeemed against the statement balance or for travel benefits and products on the SmartBuy Rewards Portal. To use the card for UPI transactions, users must set up their credit card PIN and link the card to their preferred UPI app.
Conclusion
In conclusion, navigating the vast array of credit card options can be a daunting task, but with HDFC Bank's diverse range of offerings, finding the perfect card to suit your lifestyle has never been easier. From jet-setting travelers to savvy shoppers and everything in between, HDFC's best credit cards cater to a myriad of needs and preferences.
Whether you're seeking exclusive travel perks, unbeatable cashback rewards, or unparalleled dining privileges, HDFC has a card tailored just for you. By exploring the top contenders in each category, we've unlocked a world of possibilities, empowering you to elevate your financial journey and make the most of every swipe.
With HDFC Bank's commitment to innovation, reliability, and customer satisfaction, you can rest assured that you're not just getting a credit card – you're gaining a trusted financial companion that will enhance your lifestyle and reward your spending habits for years to come.
So, whether you're ready to embark on your next adventure, indulge in some retail therapy, or simply enjoy the finer things in life, HDFC Bank's best credit cards are here to make it happen. Take the leap, unlock the benefits, and embrace a world of possibilities with HDFC Bank. Your financial journey starts here.