Best HDFC Credit Cards for 2024

Annual Fee: Rs. 2,500

If you are looking for an HDFC credit card that offers benefits across different categories at a reasonable annual fee, you must consider HDFC Diners Club Privilege Credit Card.

The set of benefits has been designed considering the needs of millennials, such as complimentary memberships to Amazon Prime, Times Prime and more, along with monthly milestone benefits with Ola Cabs, BookMyShow and Tata CLiQ.

Key Highlights:

• Annual membership to Amazon Prime, Times Prime, MMT Black and Dineout Passport on spending Rs. 75,000 within 90 days of card activation
• Spend Rs. 40,000 per month and get Ola Cabs, BookMyShow, TataCLiQ or cult.fit memberships
• Earn 4 reward points per Rs. 100 spent
• 2X rewards on weekend dining and 10X rewards on SmartBuy
• 2 complimentary golf games per quarter across the finest courses in the world
• Low foreign exchange mark-up fee of 2%
• 12 complimentary airport lounge access to 1000+ lounges in India

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Annual Fee: Rs. 2,500

HDFC Regalia Credit Card has been one of the best HDFC credit cards for quite some time, owing to its simple rewards structure and additional benefits across different categories.

It is suited for heavy spenders who put multiple expenses on their credit cards each month as the rewards program and milestone benefits allow them to earn good value back.

Key Highlights:

• Earn 4 reward points for every Rs. 150 spent
• Get complimentary Priority Pass membership for self and add-on members on completing 4 retail transactions
• Avail 6 complimentary visits to international lounges with Priority Pass
• 12 complimentary visits to domestic airport lounges
• Spend Rs. 5 Lakh in a year and get bonus 10,000 reward points and additional 5,000 points on reaching Rs. 8 Lakh
• Foreign exchange mark-up fee of only 2%
• Insurance cover including air accident death cover, emergency overseas hospitalization and lost card liability cover

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Also Read: HDFC Diners Club Privilege vs. HDFC Regalia Credit Card

Annual Fee: Rs. 500

HDFC Moneyback+ is an advanced variant of the popular card HDFC Moneyback. The credit card offers cashback in the form of CashPoints which can be redeemed against statement balance, travel benefits on the SmartBuy Portal or vouchers and merchandise from the rewards catalogue.

The minimum monthly income requirement for the card is Rs. 20,000 only, which makes it a good option for beginners.

Key Highlights:

• Welcome benefit of 500 CashPoints
• 2 CashPoints per Rs. 150 across all spends except fuel, wallet loading and voucher purchase
• Earn 5X CashPoints on EMI transactions with merchants
• Earn 10X CashPoints on BigBasket, Amazon, Flipkart, Swiggy and Reliance Smart SuperStore
• Spend Rs. 50,000 in a calendar year and get Rs. 500 gift voucher
• Up to 15% discount at partner restaurants

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Also Read: HDFC Moneyback+ vs. HDFC Moneyback Credit Cards

Annual Fee: Rs. 1,000

A card designed for millennials, this HDFC credit card offers cashback benefits across popular brands like Amazon, Flipkart, Swiggy and more.

The best thing about HDFC Millennia Credit Card is that it covers almost all brands on which a millennial usually spends. This allows users to make the most of these benefits.

Key Highlights:

• Welcome benefit of 1,000 CashPoints
• 1% cashback across all transactions including EMIs and wallet reloads, except fuel
• 5% cashback on Flipkart, Amazon, BookMyShow, Swiggy, Tata CLiQ, Sony LIV, Uber and Zomato
• 8 complimentary visits to domestic lounges in a calendar year
• Annual fee waived off on spending Rs. 1 Lakh in the previous year
• 1 CashPoint = Re. 1 when redeeming against statement balance
• Up to 20% discount on partner restaurants via Dineout

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Also Read: HDFC Millennia vs. HDFC Regalia

Annual Fee: Rs. 12,500

Possibly one of the best premium credit cards in India, HDFC Infinia offers benefits across multiple categories including travel, shopping, rewards and some premium brands.

Though it carries a very high annual fee, the extent of benefits, if used optimally, definitely surpasses the fee by a wide margin. Also, Infinia is now being offered in metal card variant.

Key Highlights:

• Earn 5 reward points for every Rs. 150 spent
• Complimentary annual membership to Club Marriott (one year only)
• Complimentary weekend buffet and stay at ITC Hotels (participating hotels only)
• Get unlimited lounge access all over the world for primary as well as add-on member
• Foreign exchange markup fee of 2%
• Complimentary Dineout Passport Membership
• Unlimited complimentary access to leading golf courses across the globe

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Also Read: HDFC Millennia vs. HDFC MoneyBack Cards

Annual Fee: Rs. 10,000

Another premium credit card from HDFC Bank, Diners Club Black Credit Card offers complimentary annual membership to popular brands like Forbes, Amazon Prime and more. The reward rate and travel benefits are similar to that on Infinia.

Key Highlights:

• Earn 5 reward points for every Rs. 150 spent
• Earn up to 10X Reward Points on your purchases on SmartBuy and 2X rewards on weekend dining
• Complimentary annual membership to Club Marriott, Forbes, Amazon Prime, Dineout Passport, Times Prime and more
• Spend Rs. 80,000 in a month and get vouchers from Ola Cabs, BookMyShow, TataCLiQ or cult.fit live
• Get access to leading golf course for golf games 6 times per quarter
• Enjoy unlimited international airport lounge access for primary and add-on members

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Annual Fee: Rs. 2,500

Launched in collaboration with Indigo Airlines, 6E Rewards XL- IndiGo HDFC Bank Credit Card lets you earn significant rewards on all spends with extra earning on booking tickets with Indigo.

Offering lounge access, preferential forex markup and the ability to use rewards to book tickets, this card is a good choice for frequent travelers.

Key Highlights:

• Welcome vouchers worth Rs. 6,000 from Accor Hotel (stay + dining vouchers)
• Earn 5% back in the form of 6E Rewards on Indigo spends
• Earn 3% 6E Rewards on Dining, Groceries and Entertainment
• Get 2% 6E Rewards across all other categories
• Discount on convenience fee when booking Indigo tickets (up to Rs. 150 per passenger)
• Up to 15% 6E Rewards on your spends with featured partners
• 8 complimentary domestic lounge visits per year
• Foreign exchange markup fee of 2.5%

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Also Read: Kotak IndiGo Credit Cards vs. HDFC IndiGo Credit Cards

Annual Fee: Rs. 2,500

This travel credit card from HDFC Bank offers benefits in the form of generous InterMiles earnings, which can be redeemed to book flights on the InterMiles website.

Moreover, it offers discount on Etihad Airways, complimentary lounge visits and remarkable milestone benefits.

Key Highlights:

• InterMiles Silver membership free for the first year
• Spend Rs. 6,000 within 30 days of card activation and get 3,000 bonus InterMiles
• Spend Rs. 90,000 or more in the first 90 days to get additional 5,000 InterMiles
• Get Rs. 750 Flight Discount Voucher and Rs. 2,000 Hotel Discount Voucher for the first year
• Earn 6 InterMiles per Rs. 150 on all retail spends
• Earn 2X InterMiles on flight tickets and hotel bookings made via the InterMiles website
• Avail 5% discount on Etihad Airways Economy Class tickets and 10% discount on Business Class Tickets booked via InterMiles website
• 16 complimentary domestic lounge visits per year
• Complimentary Priority Pass Membership

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Annual Fee: Rs. 500

Suited for those who incur high fuel expenditure, IndianOil HDFC Bank Credit Card lets you earn up to 50 litres of free fuel annually.

Every time you use your card, you will earn Fuel Points which can be used to purchase fuel at participating Indian Oil Petrol Outlets.

Key Highlights:

• 5% Fuel Points at Indian Oil Petrol Outlets (up to 250 Fuel Points per month in the first 6 months and 150 Fuel Points per month in the next 6 months)
• 5% Fuel Points on groceries and bill payments
• 1 Fuel Point for every Rs. 150 spent
• Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
• 1% fuel surcharge waiver at all fuel stations on minimum transaction of Rs. 400 (Rs. 250 per statement cycle)
• Convert Fuel Points into Indian Oil XRP (1 Fuel Point = 96 paise)

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Annual Fee: Rs. 2,500

Newly launched, HDFC Regalia Gold Credit Card is an advanced version of the popular HDFC Bank Regalia Card. The Gold variant offers benefits across travel and rewards ranging from complimentary hotel memberships, lounge access to 5X reward points on selected categories and brands.

Key Highlights:

• Welcome benefits via Club Vistara Silver membership, MMT Black Elite membership & gift voucher worth Rs. 2,500
• 4 reward points on every Rs. 150 spent (including insurance, utilities and education)
• 20 reward points on every Rs. 150 spent at Nykaa, Marks & Spencer and Reliance Digital
• 12 complimentary lounge access within India at both International & domestic terminals
• Complimentary Priority Pass Membership on completing 4 retail transactions on the card
• Milestone benefits worth Rs. 1,500 on spending Rs. 1.5 Lakh in a quarter
• Flight vouchers worth Rs. 5,000 on spending Rs. 5 Lakh in a year
• Low foreign currency markup fee of 2%

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Annual Fee: Rs. 500

IRCTC HDFC Bank Credit Card is the latest addition to the list of best domestic travel credit cards in India.

The card is offered in collaboration with IRCTC, thus offers several train travel benefits such as reward points on ticket booking, railway surcharge waiver, milestone benefits, etc.

Key Highlights:

• Gift voucher worth Rs. 500 as card activation benefit
• 5 reward points on every Rs. 100 spent on Rail Connect app and IRCTC website
• 1 reward point on every Rs. 100 spent on all other categories
• Additional 5% cashback on booking IRCTC train tickets via SmartBuy
• 8 complimentary lounge access in a year (2 per quarter) to select IRCTC Executive Lounges per year
• Gift voucher worth Rs. 500 on spending Rs. 30,000 every quarter
• Railway & fuel surcharge waiver

Quick read: Lifetime free credit cards 

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