HDFC Bank Credit Card

Do you want to discover the top 10 credit cards provided by HDFC? Are you finding it challenging to select the right one from HDFC's diverse range of cards? We're here to simplify the process for you. Easily identify the best HDFC credit card by comparing it with the others.

Top 10 HDFC Credit Cards in India for 2023 

Here is a list of the finest HDFC credit cards available.

HDFC Bank stands among the leading private sector banks, offering an extensive selection of credit cards. With over 20 specialized credit cards, HDFC caters to a diverse range of needs, including travel, shopping, dining, and premium services, ensuring a card for every category.

Key Features of HDFC Bank Credit Cards

HDFC credit cards offer a host of features and benefits, including:

• Access to exclusive discounts, reward points, and special offers.
• Instant blocking of your credit card in case of suspected fraud, ensuring security.
• A wide range of credit card options to choose from, catering to various needs.
• Opportunities to boost your credit score by consistently paying bills on time and maintaining a credit utilization ratio below 30%.

Features and Advantages of the Top 10 HDFC Bank Credit Cards

HDFC Bank Regalia First Card

Key Highlights: A premium HDFC Bank Regalia First Card offering exclusive travel and lifestyle perks.

Joining Fee: Rs.1,000

Renewal Fee: Rs.1,000 (Starting from the 2nd year). Waived if the previous year's total spending exceeds Rs.3 lakh.

Joining Bonus: 1,000 reward points upon payment of the joining fee.

Features and Benefits:

• Complimentary Priority Pass Membership granting access to 700+ airport lounges.
• 15% discount at premium restaurants nationwide.
• Up to 7,500 reward points for achieving annual spends of up to Rs.6 lakh.
• 8 complimentary domestic lounge accesses per calendar year.
• 2% foreign currency markup fee on international expenditures.
• Comprehensive insurance coverage, including air accidental death, emergency hospitalization, and credit liability.
• Rewards redemption option: Reward points can be exchanged for free air tickets.

Ideal for: Individuals who frequently travel internationally.
 

HDFC Bank Diners Club Black Card

Key Highlights: In partnership with Diners Club International, the HDFC Bank Diners Club Black Card offers world-class privileges in travel, lifestyle, golf, rewards, and more.

Joining Fee: Rs.10,000

Renewal Fee: Rs.5,000 (Starting from the 2nd year). Waived if the previous year's total spending exceeds Rs.5 lakh.

Joining Bonus: Receive 10,000 reward points upon payment of the joining fee.

Features and Benefits:

• Earn 5 Reward Points for every Rs. 150/- spent on retail purchases.
• Enjoy unlimited access to over 700 airport lounges worldwide.
• Exclusive 24/7 concierge services available both locally and internationally.
• Complimentary comprehensive insurance coverage, including air accidental death, emergency hospitalization, baggage delay, and credit liability.
• Play 6 rounds of complimentary golf per quarter, valid in India and abroad.
• Rewards redemption options include free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and exclusive gifts from the rewards catalog.

Ideal for: Frequent travelers, especially those who visit international destinations regularly.
 

HDFC Bank Regalia Card

Key Highlights: Tailored for the elite class, the HDFC Regalia Credit Card delivers premium benefits across various lifestyle categories.

Joining Fee: Rs.2,500

Renewal Fee: Rs.2,500 (Starting from the 2nd year). Waived if the previous year's total spending exceeds Rs.3 lakh.

Joining Bonus: Receive 2,500 reward points upon payment of the joining fee.

Features and Benefits:

• Complimentary Priority Pass Membership providing access to over 700 airport lounges.
• Earn 4 Reward Points for every Rs.150 spent.
• Enjoy a 15% discount at premium restaurants throughout India.
• Earn up to 15,000 reward points for achieving annual spends of up to Rs.8 lakh.
• Access 12 domestic lounges for free per calendar year.
• Benefit from 24/7 concierge assistance for travel and entertainment bookings.
• Pay a foreign currency mark-up fee of 2% on all international expenditures.
• Receive comprehensive insurance coverage, including air accidental death, emergency hospitalization, and credit liability.
• Redeem reward points for air ticket and hotel bookings on offers.smartbuy.hdfcbank.com/regalia. Also convertible into Air Miles.

Ideal for: Individuals who make substantial credit card expenditures and travel frequently.
 

HDFC Freedom Credit Card

Key Highlights: Recognized as one of the top reward credit cards, the HDFC Freedom Credit Card offers spend-based rewards and complimentary accidental death insurance.

Joining Fee: Rs.500

Renewal Fee: Rs.500. Waived if the previous year's total spending exceeds Rs.60,000.

Joining Bonus: Receive 500 reward points upon payment of the joining fee.

Features & Benefits:

• Earn 5 times more reward points on dining, entertainment, railway ticket booking, cab booking, and grocery purchases.
• Get 10 times more reward points on HDFC PayZapp & SmartBUY expenditures.
• Receive 25 times more points on birthday spending.
• Earn 1 reward point on every purchase of Rs.150 or more.
• Qualify for a gift voucher worth Rs.1,000 on annual spends of Rs.90,000 or above.
• Enjoy complimentary accidental insurance coverage of up to Rs.50 lakh.
• Redeem reward points for cashback or choose from a variety of gifts in the rewards catalog.

Ideal for: Individuals who use their credit cards for everyday expenses.
 

HDFC Bank Moneyback Credit Card

Key Highlights: Redeem your reward points for cashback against your outstanding balance on the HDFC Bank Moneyback Credit Card.

Joining Fee: Rs.500

Renewal Fee: Rs.500 (Starting from the 2nd year).

Joining Bonus: Receive 500 reward points upon payment of the joining fee.

Features and Benefits:

• Earn 2X more reward points on online expenditures.
• Spend Rs.50,000 in a quarter and receive an e-voucher worth Rs.500.
• Enjoy complimentary accidental death insurance coverage of up to Rs.50 lakh.
• Benefit from zero liability in case of a lost card.
• Redeem reward points for cashback against your card's outstanding balance, air miles, or choose from a variety of gifts in the rewards catalog.

Ideal for: Individuals seeking to reduce their credit card annual maintenance costs.
 

HDFC Bank Titanium Times Card

Key Highlights: An affordable yet feature-rich HDFC Bank Titanium Times Credit Card that offers advantages across various lifestyle segments.

Joining Fee: Rs.500

Renewal Fee: Rs.500 (Starting from the 2nd year).

Joining Bonus: Receive gift vouchers spanning multiple categories, including shopping, dining, clothing, and more.

Features and Benefits:

• Earn 2X more reward points on online expenditures.
• Spend Rs.50,000 in a quarter and receive an e-voucher worth Rs.500.
• Benefit from complimentary accidental death insurance coverage of up to Rs.50 lakh.
• Enjoy zero liability protection in the event of a lost card.
• Redeem reward points for cashback against your card's outstanding balance, air miles, or choose from a variety of gifts in the rewards catalog.

Ideal for: Individuals seeking a low-maintenance credit card with benefits spanning various categories.
 

HDFC Bank Diners Club Miles Card

Key Highlights: The HDFC Bank Diners ClubMiles Credit Card is renowned for its premier Miles Exchange Program, offering Miles exchange options with various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.

Joining Fee: Rs.1,000

Renewal Fee: Rs.1,000 (Waived if the previous year's spending equals or exceeds Rs.1 lakh).

Joining Bonus: Receive 1,000 reward points upon payment of the joining fee.

Features and Benefits:

• Exclusive lounge access program granting entry to leading airport lounges worldwide.
• Enjoy up to 6 complimentary lounge visits at over 700 lounges across the globe.
• Conveniently book air tickets and hotels globally through the exclusive Diners Club website.
• Access concierge services to assist with your travel needs.
• Avail a 15% discount and other privileges at top restaurants throughout India.
• Comprehensive air insurance coverage of up to Rs.1.5 crore.
• Rewards redemption options include redeeming reward points for flight tickets or hotel bookings via the Diners Club website or exchanging them for Miles with domestic and international airlines and hotels.

Ideal for: Jet-setters who rely on their credit card for most of their travel requirements.
 

HDFC Bank Platinum Times Card

Key Highlights: An economical yet high-value HDFC Bank Platinum Times Credit Card that offers advantages across various lifestyle segments.

Joining Fee: Rs.1,000

Renewal Fee: Rs.1,000 (Starting from the 2nd year).

Joining Bonus: Receive gift vouchers spanning various lifestyle categories, including shopping, dining, clothing, and more.

Features and Benefits:

• Enjoy a 25% discount on movie ticket bookings and up to a 20% discount on dining bills.
• Earn 3 additional reward points on regular spending and 10 points on dining expenses on weekdays.
• Avail of a fuel surcharge waiver.
• Benefit from complimentary accidental death insurance coverage of up to Rs.50 lakh.
• Rewards redemption options include redeeming reward points for exclusive gifts from the rewards catalog.

Ideal for: Individuals who are avid movie enthusiasts and frequently dine out.
 

HDFC Diners Club Black Credit Card

Benefits & Features: 

Gain exclusive access to select Golf Clubs in India as a Green Fee player.

• Earn travel coupons valued at INR 750 for every 1000 points accumulated.
• Redeem points as cash for air tickets and hotel bookings on the HDFC entertainment website, offers.reward360.in/diners/rewards.

HDFC Infinia Credit Cards

Benefits & Features:

• The Infinia Card offers the flexibility of no preset limit for cash spending or withdrawals.
• Earn 5 points for every INR 150 spent.
• Enjoy complimentary Priority Pass and Taj Epicure Inner Circle Gold Membership automatically.
• Reserve air tickets, movie tickets, and hotel rooms via https://offers.reward360.in/infinia/rewards and earn double the points.
• Benefit from free international travel insurance.

HDFC Solitaire Credit Cards

Features and Benefits:

• For every Rs. 75,000 spent every 6 months, cardholders can avail Rs. 1,000 worth of Shoppers Stop vouchers.
• Cardholders receive 50% more reward points on dining expenses and grocery purchases.
• Earn 3 reward points for every Rs. 150 spent.
• Redeem reward points as cashback, with every 100 points equaling Rs. 40 cashback.
• Receive Shoppers Stop vouchers worth Rs. 2,000 annually.
• The opportunity to earn Rs. 4,000 as Cashback on reward points accumulated by spending Rs. 5 lakh on the card.
• Enjoy benefits on fuel transactions, saving cardholders Rs. 1,500 annually.
• Zero Lost Card Liability.

HDFC All Miles Credit Card

Features and Benefits:

• Receive 1000 Reward Points as a welcome benefit upon card issuance.
• Earn 3 reward points for every Rs. 150 spent.
• Enjoy complimentary Priority Pass Membership.
• Receive a Fuel Surcharge Waiver on every Rs. 500 spent at fuel stations.
• If you spend Rs. 15,000 in the first 90 days of card issuance, the first-year annual fee is reversed.
• Spend Rs. 1,00,000 on the credit card in the year prior to the renewal date to have the renewal fee reversed.

HDFC Platinum Edge Credit Card

Features and Benefits:

• Earn 2 reward points for every Rs. 150 spent using your card.
• Receive 50% additional reward points for dining expenses.
• Enjoy fuel surcharge waivers, capped at Rs. 250 in each billing cycle (GST as applicable).
• The card's embedded chip ensures the security of every transaction.
• Benefit from a revolving credit facility at a nominal interest rate.

HDFC Titanium Edge Credit Card

Features and Benefits:

• Earn 2 reward points for every Rs. 150 spent using your card.
• Receive 50% additional reward points for dining expenses.
• Redeem reward points as cashback against your outstanding bill amount.
• Enjoy fuel surcharge waivers, capped at Rs. 250 in each billing cycle (subject to sales tax).
• In the event of immediate reporting of a lost credit card, benefit from zero liability for any fraudulent transactions made using your card.

Eligibility Criteria for HDFC Credit Cards

Age limit:

• For Salaried Individuals: 21 to 60 years
• For Self-Employed Individuals: 21 to 65 years

Verify HDFC Credit Card Eligibility Online 

You can assess your eligibility for any HDFC credit card through the official HDFC Bank website.

Steps to check on hdfcbank.com:

• Visit the HDFC Bank website at www.hdfcbank.com.
• Select a card of your choice and click on the 'Check Eligibility' button.
• Follow the prompts to provide the necessary information and determine your eligibility for the card.

Documents Needed for HDFC Credit Card Application

HDFC may request supplementary documents based on the applicant's profile. The list provided above is solely for reference purposes.

Here's how to apply for an HDFC credit card online

• Step 1: Go to the official HDFC website.
• Step 2: Navigate to the 'Credit Cards' section and choose a credit card that suits your needs.
• Step 3: Review the eligibility requirements and the necessary documents for the selected credit card.
• Step 4: Apply online by providing all the required information. Alternatively, you can also visit an HDFC branch or ATM to submit your credit card application along with the necessary documents.
• Step 5: Once your application is approved by the bank, your credit card will be sent to your registered address.
• Step 6: Upon delivery, you will need to sign for the card and provide proof of identity.
• Step 7: Your personal identity number (PIN) will be sent to you via courier, while the Green PIN will be sent to your registered mobile number.
• Step 8: You will need this PIN to authenticate any credit card transactions.
• Step 9: Visit the nearest HDFC ATM to change your PIN if needed.

Various Credit Card Categories Provided by HDFC Bank

Ways to Settle HDFC Credit Card Dues 

Customers have multiple options to make payments:

• HDFC Bank Netbanking
• Non-HDFC Bank Netbanking
• HDFC Bank Mobile Application
• Auto Pay
• ATM Funds Transfer

How to Enroll for HDFC Credit Card Net Banking

If you are an existing HDFC Bank account holder, you can sign up for HDFC Credit Card Net Banking services by following these steps:

• Log in to NetBanking using your customer ID and internet password.
• Within your Net Banking account, go to the credit card section.
• To add your new card, select the 'Register New Card' option.
• Enter your card details, including the credit card number, credit card ATM PIN, and expiry date. Then, click on 'Submit'.

Process to Enable Online Transactions for HDFC Credit Card via WhatsApp

Here's the step-by-step procedure for activating online transactions for your HDFC Credit Card using WhatsApp:

• Save the HDFC WhatsApp number (70-700-222-22) in your contacts.
• Send a WhatsApp message 'Manage My Credit Card' to this number.
• You will receive a message containing several options.
• Choose the 'Online (E-Commerce) Transactions' option by selecting the corresponding number.
• An OTP will be sent to your registered mobile number; enter this OTP.
• Enter the last four digits of your credit card number.
• The activation status will be displayed.
• An option will be provided to activate online transactions.