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14 Best HDFC Bank Credit Cards In India 2022
HDFC Bank is the biggest credit card issuer in India and has numerous credit cards across categories, in the market. It caters to a wide range of customers, from entry-level to super-premium high networth clients. HDFC credit cards cater to different needs, specifically to lifestyle, rewards, shopping, travel, and fuel with their credit card offerings. We have sorted a list of the best HDFC Bank credit cards that will suit your needs. Read on.
List Of 14 Best HDFC Credit Cards in India For 2022
1. HDFC Bank Regalia Credit Card
- HDFC Bank’s Regalia Credit card is one of the more popular premium cards in India.
- Complimentary Zomato Gold Membership and international airport lounge access with Priority Pass.
- Cardholders are also eligible for air accident insurance worth Rs 9 Crores and hospitalization charges for upto Rs 15 Lakhs.
- 12 Complimentary domestic and international airport lounge access per quarter.
- 4 reward points are earned for every Rs 150 spent.
- 1% fuel surcharge waiver across all fuel stations in India on minimum spend of Rs 400.
- Bonus 10,000 Reward Points on Rs 5 lakhs and additional 5,000 Reward Points on Rs 8 lakhs spent annually.
- Complimentary Zero lost card liability shield, which protects against fraudulent transactions.
- The net reward rate of this card is relatively low.
Why We Picked This Card?
Regalia is an easily obtainable premium credit card from HDFC Bank. It unlocks your journey into a rewarding experience with the bank’s super premium options.
2. HDFC Bank Moneyback Credit Card
- An entry-level and cashback-oriented credit card, the HDFC MoneyBack card provides decent rewards on utility bill payments, shopping, and fuel.
- Offers 4 reward points on online spends and 2 reward points on other spends.
- Has a generous 50-day interest-free credit period.
- Earned reward points can be exchanged for statement credit.
- Milestone-based rewards systems are applicable.
- 5% cashback on hotels, dining, cab services, utility bill payments like electricity, mobile bills, etc.
- Complimentary accident insurance and purchase protection shield.
- No complimentary airport lounge access - domestic or international.
- Earned reward points are only valid for two years.
Why We Picked This Card?
If you are looking for a good card with low annual fees and accelerated rewards on online spends, the MoneyBack is the one to go for.
3. HDFC Bank Millennia Credit Card
- The Millennia is a super popular credit card from HDFC Bank.
- Offers real cashback in all categories, including wallet reloads and offline spends.
- Loaded with features like complimentary domestic airport lounge access and milestone-based rewards.
- 1% fuel surcharge waiver across all fuel stations in India.
- Milestone-based reward system.
- 5% cashback on Amazon, Sony LIV, Swiggy, Tata CLiQ, Uber, BookMyShow, Cult.fit, Flipkart, Myntra, and Zomato
- 20% instant discount on partner restaurants.
- 1% cashback on all other spendings.
- 2 Complimentary domestic airport lounge access.
- Cashback is very restrictive with monthly limits on all categories
Why We Picked This Card?
If you are starting in your career, the Millennia will ensure you get good cashback on all your spends across online and offline spends. The Axis ACE is the best Axis credit card that competes with the Millennia.
4. HDFC Bank Titanium Times Credit Card
- The best entertainment card offered by HDFC Bank.
- It has year-round discounts on dining and entertainment categories through partners like Bookmyshow.
- The earned rewards are valid for upto 2 years and can be redeemed for select merchandise through the HDFC rewards catalogue.
- 1% fuel surcharge waiver across all fuel stations in India capped at Rs 250 per month.
- 25% discount on Bookmyshow for movies and events.
- 2 Reward Points for every Rs 150 spent on all retail categories.
- Welcome benefits associated with the Titanium Times for vouchers related to entertainment, hotels, wellness, etc.
- No complimentary airport lounge access - domestic and international
- Rewards could have more liberal monthly limits
Why We Picked This Card?
If you are looking for entertainment rewards on your credit card, and just those, the Titanium Times card is a great option.
5. HDFC Bank Platinum Times Credit Card
- A shopping and dining-centric credit card offers all-around discounts on these categories.
- It also comes with benefits like 50 days of interest-free credit period and lost card liability protection.
- Exclusive discount of up to 25% on Bookmyshow is also part of the deal.
- There are amazing round-the-year discount offers on dining, wellness, shopping, and travel at select partners.
- 20% discount on fine dining in partnership with 1000+ restaurants.
- 1% fuel surcharge waiver across all fuel stations in India capped at Rs 250 per month.
- 25% discount on Bookmyshow for movies and events.
- 2 Reward Points for every Rs 150 spent on all retail categories.
- Zero lost card liability on any fraudulent transactions.
- No complimentary international and domestic airport lounge access
- The reward rate on all other categories like retail, utility bills is low.
Why We Picked This Card?
The Platinum Times is a good upgrade over the Times Titanium given it offers shopping benefits on top of movie benefits.
6. HDFC Bank Diners Club Miles Credit Card
- HDFC Diners Club Miles is a travel-oriented lifestyle credit card.
- Customers can get up to 15% discount and offers on the finest restaurants in various cities across India.
- Earned reward points can also be exchanged for air miles.
- 6 Complimentary domestic and international airport lounge access.
- Complimentary air accident insurance worth Rs 9 crores and lost card liability upto Rs 9 lakhs.
- 2 Reward Points for every Rs 150 spent.
- Special discounts and offers for booking flights and hotels using the HDFC Diners portal.
- Lacks premium features and high reward rate.
Why We Picked This Card?
If air miles are your thing, but are not eligible for super premium credit cards, the Diners Club Miles can help you garner and redeem miles while travelling on your preferred airlines.
7. HDFC Bank Infinia Credit Card
- A super-premium credit card that caters to all aspects of a power-packed lifestyle.
- It comes with a best-in-class reward system where your reward points can be exchanged into vouchers of Tanishq and Apple of equivalent value
- You can also access travel vouchers and several other goodies on the rewards portal.
- Complimentary Club Marriott membership and access to select ITC hotels for buffet and dining.
- Unlimited domestic and international airport lounge access across 1000+ partners across the globe.
- It comes with accidental air insurance worth Rs 3 Crores
- 10X reward points earned on travel and shopping via Smartbuy.
- This card is solely invite-only based on HDFC Bank’s terms and conditions.
Why We Picked This Card?
The best and most rewarding super premium credit card in India. It offers you the ability to earn up to 33% on your spends, and redeem the points 1:1 on travel bookings.
8. HDFC Bank Diners Club Black Credit Card
- A lifestyle-oriented travel credit card powered by the Diners Card network.
- Offers benefits like complimentary memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK, and Times Prime.
- 6 complimentary golf games per quarter.
- 10X rewards points on partner brands and 2X on weekend dining.
- Offers accidental air insurance worth Rs 2 Crores and emergency hospitalization worth Rs 50 lakhs
- Earned reward points can be redeemed for flight and hotel bookings using Smartbuy
- Not accepted everywhere due to limited card networks.
Why We Picked This Card?
If you are not eligible for Infinia, or are not able to fulfil the annual fee waiver, the Diners Black is the next best thing. Gives you up to 33% off on your purchases, the card is a solid one for making the maximum of your spends.
9. HDFC Bank Indian Oil Credit Card
- Indian Oil HDFC credit card is a co-branded fuel card, and it offers 50L of free fuel in terms of rewards and cashback.
- It also comes with safety features like zero lost card liability in loss or fraudulent activities.
- Earn 250 fuel points on Indian Oil fuel stations for the first 6 months.
- 5% fuel points on groceries and utility bill payments.
- 1% fuel surcharge waiver across all fuel purchases in India.
- Complimentary IndianOil XTRA REWARDS membership
- The reward is only applicable at Indian Oil pumps, so it might be a hassle finding one at all times
- The reward redemption process is slightly complex.
Why We Picked This Card?
If you want a fuel specific card, the HDFC Bank Indian Oil should fulfil almost all your requirements of fuel surcharge waiver and cashback on spends.
10. HDFC Bank Diners Club Privilege Credit Card
A lifestyle-oriented travel credit card powered by the Diners Card network. It offers benefits like complimentary annual memberships of Amazon Prime, Zomato Pro, MMT BLACK, BB Star, and Times Prime.
- 2 Complimentary golf games per quarter.
- Offers Accidental Air insurance worth Rs 1 Crore and emergency hospitalization worth 25 Lakhs.
- Earned reward points can be redeemed for flight and hotel bookings using Smartbuy.
- 10X rewards points on partner brands and 2X on weekend dining.
- Not accepted everywhere due to limited card networks.
- Not rewarding for non-frequent travellers.
Why We Picked This Card?
A slightly toned down version of Diners Black, the Diners Privilege gets you access to several memberships, worth thousands of rupees.
11. HDFC Bank Freedom Credit Card
- HDFC Bank Freedom credit card is an entry-level credit card with exciting offers and rewards on categories like grocery, travel bookings, and dining.
- Gets you accelerated rewards on your birthday and spends through PayZapp and SmartBuy.
- 1 reward point for every Rs 150 spent
- Complimentary gift voucher worth Rs 1000 on spends of Rs 90000 or more per calendar year.
- Accelerated 5X reward points for all dining, grocery, railway bookings, taxi bookings, and movie spending.
- 1% fuel surcharge waiver across all fuel stations in India.
- 10X reward points on PayZapp & SmartBuy spends
- 25X reward points on all birthday spends.
- No complimentary international and domestic airport lounge access
- Earned reward points are valid only for two years.
Why We Picked This Card?
One of the best entry-level cards from HDFC Bank, the Freedom card is great for accumulating all your spends for your birthday.
12. HDFC Bank Business Regalia Credit Card
HDFC Bank Business Regalia Credit card is a reward and cashback-oriented credit card. It helps business owners to earn cashback even on government and tax-related payments. It also offers POS Rental Reversal on a monthly spend of Rs 30,000 on the credit card and a monthly volume of Rs 25,000 on the POS machine.
- 12 Complimentary international and domestic lounge access.
- 20% off on dining bills paid through Dineout
- 5% Cashback on Telecom, Utility, Govt & Tax Payments.
- 4 reward points for every Rs 150 spent on all categories.
- 1% fuel surcharge waiver across all fuel stations in India.
- The net reward rate of this card is relatively low.
Why We Picked This Card?
While the Regalia is a great premium card for regular users, the Business Regalia is made specifically for business owners. Especially useful for making points on usually exempt categories.
13. HDFC Bank Indigo 6E Rewards Credit Card
- 6E rewards credit card is a co-branded credit card with Indigo Airlines.
- It offers numerous benefits like priority check-in, free meal vouchers, and meal choice.
- It’s a good card for frequent flyers using Indigo.
- Upto 2.5% 6E rewards on Indigo
- Dining discounts using HDFC Good Food Trail Dining program
- 2% 6E rewards on grocery, dining, and entertainment.
- 50% reduced convenience fee as compared to other travelers.
- No complimentary international and domestic airport lounge access
- Lacks complimentary concierge services.
Why We Picked This Card?
Indigo is India’s most used domestic airline. Getting a frequent flyer membership for an airline that is popular helps you get the maximum rewards.
14. HDFC Bank Business Corporate Regalia Credit Card
HDFC Business Corporate Regalia is a power-packed credit for all your office needs. It provides an attractive 5% cashback on bill payments like telephone, electricity, hotel bookings, cabs, etc.
- 4 Reward points are earned for every Rs 150 spent in every category.
- Milestone-based rewards systems are applicable where the user gets 15,000 points on spending more than Rs 8 Lakhs in a year.
- Complimentary Air Accident insurance worth Rs 1 Crore.
- Airport lounge access using Priority Pass membership
- Chargeable Lounge access at 27 USD + Applicable taxes even after complimentary Priority Pass membership.
Why We Picked This Card?
An extension of Business Regalia, the Business Corporate Regalia is a lifetime free card that gets you 5% flat cashback on your regular business expenses.
Compare Best HDFC Bank Credit Cards
| Credit Cards | Joining Fees | Annual fee waiver |
|---|---|---|
| HDFC Bank Regalia | Rs 2,500 | Rs 3 lakhs |
| HDFC Bank MoneyBack | Rs 500 | Rs 50,000 |
| HDFC Bank Millennia | Rs 1,000 | Rs 1 lakh |
| HDFC Bank Titanium Times | Rs 500 | Rs 1.5 lakhs |
| HDFC Bank Platinum Times | Rs 1,000 | Rs 2.5 lakhs |
| HDFC Bank Diners Club Miles | Rs 1,000 | Rs 1 lakh |
| HDFC Bank Infinia | Rs 12,500 | Rs 10 lakhs |
| HDFC Bank Diners Club Black | Rs 10,000 | Rs 5 lakhs |
| HDFC Bank Indian Oil | Rs 500 | Rs 20,000 |
| HDFC Bank Diners Club Privilege | Rs 2,500 | Rs 3 lakhs |
| HDFC Bank Freedom | Rs 500 | Rs 50,000 |
| HDFC Bank Business Regalia | Rs 2,500 | Rs 3 lakhs |
| HDFC Bank Indigo 6E Rewards | Rs 700 | Rs 50,000 |
| HDFC Bank Business Corporate Regalia | 0 | N/A |
This was our list of the best HDFC Bank credit cards, according to tier and usage. We also have a list of the best credit cards overall, which you can check here. Credit cards can improve your overall shopping and spending experience in terms of additional rewards and cashback, along with luxury benefits. Many of the cards listed above comply with lost card liability and purchase protection that provides complimentary insurance on products purchased and protects you from any fraudulent transactions.
Choosing the right HDFC card for yourself should also depend on factors like annual/joining fees, your annual income, and your credit score. It is advisable to use your credit card with caution to avoid debt and interest. We also have guides if you want to know which is the best SBI credit card or the best ICICI Bank credit card with no annual fee. We also have guides if you want to know which is the best SBI credit card or the best ICICI Bank credit card with no annual fee. You can get to know how to apply for a credit card here.