Today, we delve into the realm of the Best HDFC Bank Credit Cards – a top choice among credit card users in India. Get insights into their benefits, fees, reward rates, and key features, helping you choose the credit card that perfectly complements your needs.

HDFC Bank Credit Cards: Key Features

HDFC Bank provides a range of credit cards, each tailored to diverse spending habits and lifestyles. These cards boast significant advantages such as cashback, reward points, discounts, travel benefits, and more. Below, we discuss some of the best HDFC Bank Credit Cards and their unique features.

HDFC Regalia Credit Card

Known for its premium lifestyle benefits, the HDFC Regalia Credit Card offers compelling reward points on dining, travel, and more, coupled with international lounge access and complimentary insurance coverage.

  • Annual Fee: ₹2,500
  • Reward Rate: 4 Reward Points for every ₹150 spent.
  • Key Features: Complimentary airport lounge access, dining benefits, and a low foreign currency markup fee.

HDFC MoneyBack Credit Card

Perfect for the economical spender, the HDFC MoneyBack Credit Card provides cashback benefits on online spends, along with fuel surcharge waivers and a robust rewards program.

  • Annual Fee: ₹500
  • Reward Rate: Up to 2X Reward Points on online spends.
  • Key Features: Cashback benefits, fuel surcharge waiver, and zero liability on lost cards.

HDFC Diners Club Black Credit Card

Designed for high-spending individuals, the HDFC Diners Club Black Credit Card offers unbeatable travel benefits, including air miles and access to international lounges.

  • Annual Fee: ₹10,000
  • Reward Rate: 5 Reward Points for every ₹150 spent.
  • Key Features: Complimentary golf lessons, unlimited international lounge access, and air accident coverage.

HDFC Platinum Times Credit Card

Perfect for the urban spender, the HDFC Platinum Times Credit Card provides attractive benefits on dining, shopping, and movies.

  • Annual Fee: ₹1,000
  • Reward Rate: 3 Reward Points for every ₹150 spent.
  • Key Features: Exclusive dining and movie ticket discounts, and fuel surcharge waiver.

HDFC Millenia Credit Card

The HDFC Millenia Credit Card, designed with millennials in mind, offers cashback on online spends, travel benefits, and lounge access.

  • Annual Fee: ₹1,000
  • Reward Rate: Up to 5% CashBack on online and contactless spends.
  • Key Features: Welcome and milestone benefits, contactless payment facility, and 1% fuel surcharge waiver.

HDFC Infinia Credit Card

Catering to the luxury lifestyle, the HDFC Infinia Credit Card offers premium travel and lifestyle benefits along with a high reward rate.

  • Annual Fee: ₹10,000
  • Reward Rate: 5 Reward Points for every ₹150 spent.
  • Key Features: Unlimited lounge access, golf privileges, and low foreign currency markup fee.

HDFC Solitaire Credit Card

Designed specifically for women, the HDFC Solitaire Credit Card offers exclusive benefits on shopping, dining, and more.

  • Annual Fee: ₹500
  • Reward Rate: 3 Reward Points for every ₹150 spent.
  • Key Features: Shopping vouchers, fuel surcharge waiver, and accidental death insurance.

HDFC Bank Bharat CashBack Credit Card

Ideal for the budget-conscious user, the HDFC Bank Bharat CashBack Credit Card offers cashback on everyday spends like fuel, groceries, and bill payments.

  • Annual Fee: ₹500
  • Reward Rate: 5% CashBack on essential spends.
  • Key Features: Fuel surcharge waiver, CashBack on IRCTC and bill payments.

HDFC Bank Titanium Times Credit Card

Perfect for the lifestyle-oriented spender, the HDFC Bank Titanium Times Credit Card offers discounts on dining and movie tickets.

  • Annual Fee: ₹500
  • Reward Rate: 2 Reward Points for every ₹150 spent.
  • Key Features: Dining discounts, movie ticket discounts, and fuel surcharge waiver.

HDFC Bank Doctor’s Superia Credit Card

Exclusively designed for doctors, the HDFC Bank Doctor’s Superia Credit Card offers a high reward rate, along with lounge access and healthcare benefits.

  • Annual Fee: ₹1,000
  • Reward Rate: 3 Reward Points for every ₹150 spent.
  • Key Features: Complimentary lounge access, professional indemnity insurance, and healthcare benefits.

Conclusion:

Choosing the right HDFC Bank Credit Card that aligns with your spending habits, lifestyle, and financial goals is crucial. While WalletWalk.in endeavors to provide comprehensive, up-to-date information to facilitate your decision-making, credit card details can change over time.

For the most accurate and current information, we recommend visiting the official HDFC Bank website, which offers complete details about each credit card, terms and conditions, and the application process.

Please note that while we strive for accuracy, WalletWalk.in cannot be held responsible for any discrepancies or changes in the card features, benefits, or terms. Always cross-verify details from the official banking source before making a decision.

HDFC Bank Credit Cards FAQs

1. What is the eligibility criteria for HDFC Bank Credit Cards?

To be eligible for an HDFC Bank Credit Card, you must be at least 18 years old and have a good credit history. The bank also considers your income and employment status. For specific criteria, please refer to the HDFC Bank website or contact their customer service.

2. How can I apply for an HDFC Bank Credit Card?

You can apply for an HDFC Bank Credit Card online through the bank’s website or by visiting the nearest HDFC Bank branch.

3. How do the reward points work on HDFC Bank Credit Cards?

Reward points are earned for every eligible transaction made with your HDFC Bank Credit Card. These points can be redeemed for a variety of rewards such as shopping vouchers, travel bookings, and more.

4. Can I transfer my outstanding balance on another bank’s credit card to an HDFC Bank Credit Card?

Yes, HDFC Bank offers a Balance Transfer facility on its credit cards. Terms and conditions apply.

5. What should I do if I lose my HDFC Bank Credit Card?

If you lose your HDFC Bank Credit Card, immediately inform the bank by calling their 24/7 customer care number.

6. How can I redeem my reward points on HDFC Bank Credit Cards?

You can redeem your reward points through the HDFC Bank Net Banking portal or by calling the HDFC Bank Customer Care. Reward points can be redeemed for air miles, shopping vouchers, cashback, and more.

7. How can I pay my HDFC Bank Credit Card bill?

There are several ways to pay your HDFC Bank Credit Card bill: via Net Banking, mobile banking, ATM fund transfer, NEFT/RTGS transfer, cheque or cash deposit at the bank, or through the Bill Desk facility available on the HDFC Bank website.

8. What are the charges for late payment of HDFC Bank Credit Card bills?

Late payment charges vary depending on the statement balance. These charges range from ₹100 to ₹950. To avoid these charges, it’s advisable to pay your credit card bill on time.

9. How can I increase my HDFC Bank Credit Card limit?

You can request an increase in your credit card limit by contacting HDFC Bank Customer Care or via Net Banking. However, the approval of your request will depend on your credit history and your repayment behavior.

10. What is the foreign currency markup fee on HDFC Bank Credit Cards?

The foreign currency markup fee is a fee that the bank charges when you use your credit card internationally. For most HDFC Bank Credit Cards, this fee is 3.5%. However, some premium cards like HDFC Regalia and Diners Club Black offer a lower markup fee.

11. What is the process to close an HDFC Bank Credit Card?

To close an HDFC Bank Credit Card, you can either call HDFC Bank’s customer care or write to them, requesting credit card closure. Remember to pay all your outstanding dues before you request to close the card.

12. Can I get a supplementary or add-on card with my HDFC Bank Credit Card?

Yes, HDFC Bank offers supplementary or add-on cards for your immediate family members – spouse, parents, children, or siblings.

13. What benefits do I get with an HDFC Bank premium credit card?

HDFC Bank’s premium credit cards like Regalia or Diners Club Black offer benefits such as international lounge access, golf lessons, air accident insurance, higher reward points, low foreign currency markup, and concierge services.

14. What is a fuel surcharge waiver on HDFC Bank Credit Cards?

When you use your HDFC Bank Credit Card to buy fuel, HDFC Bank waives off the fuel surcharge usually added to fuel transactions. This waiver is capped at a certain limit per billing cycle.

15. How can I upgrade my HDFC Bank Credit Card?

To upgrade your HDFC Bank Credit Card, you can apply through the HDFC Bank Net Banking portal or by calling their customer care. The bank will consider your request based on your credit history and spending patterns.

16. Is there a charge for cash withdrawal on HDFC Bank Credit Cards?

Yes, cash withdrawal using HDFC Bank Credit Cards is subject to a cash advance fee and the applicable interest charges.

17. What are the charges if I exceed my credit limit?

If you exceed your credit limit on your HDFC Bank Credit Card, an over-limit fee will be charged. This fee varies based on the amount by which the credit limit has been exceeded.

18. Can I convert my big purchases into easy monthly installments (EMIs) on my HDFC Bank Credit Card?

Yes, HDFC Bank offers the EasyEMI facility on its credit cards. You can convert big-ticket purchases into easy monthly installments at a nominal interest rate.

19. How long does it take to get an HDFC Bank Credit Card?

Once you have submitted your application and necessary documents, it generally takes about 7-14 working days to process and dispatch the credit card.

20. What to do if I notice a fraudulent transaction on my HDFC Bank Credit Card?

In case of a fraudulent transaction, you should immediately contact HDFC Bank’s customer service to report the issue. They may block your card and guide you on the process to dispute the transaction.