HDFC Bank Credit Card
One of the well-known banks in India, HDFC Bank, provides its clients with a wide range of loan products. Benefits from HDFC credit cards are available in several categories, including travel, rewards, and shopping. From basic cards to high-end choices, everybody can choose a credit card that meets their needs at HDFC Bank. The best credit card for a person is depend upon spending habits is the one that gives the most benefits. At Mybankingtips, you can compare features and apply online for the best HDFC Card. To help you choose the right credit card here is a list of some of the top HDFC credit cards for 2024.
Top 10 HDFC Credit Cards in India
Credit cards from HDFC are available with a range of features and advantages. Some HDFC cards provide reward points, while others offer cashback. To meet the needs of every type of customers, MybankingTips offers a comprehensive selection of HDFC Bank credit cards online. The list of the most well-liked HDFC credit cards is provided here. Depending on your requirements and preferences, you can select and apply for the best HDFC credit card.
Rewards Benefits
Welcome Benefits
Get a welcome benefit of 1,000 CashPoints upon payment of the joining membership fee.
- Get 5% cashback on popular online brands like Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Tata CLiQ, and Sony LIV.
- Earn 1% cashback on all other spends, including wallet loads and EMIs.
- Enjoy 20% discount on partner restaurants through Dineout.
- Spend ₹1 lakh or more in a calendar quarter to receive a ₹1,000 gift voucher.
Rewards Benefits
Welcome Benefits
500 CashPoints on spending ₹5,000 within 90 days of card issuance
- 4 Reward Points on every ₹150 spent online
2 Reward Points on every ₹150 spent offline
Redeem rewards as cashback or gifts via SmartBuy
Milestone benefit: ₹500 voucher on ₹50,000 annual spend
Fuel surcharge waiver
Rewards Benefits
Welcome Benefits
500 CashPoints on spending ₹5,000 within 90 days of card issuance
- Welcome Benefit: 500 CashPoints on card activation.
- EMI Rewards: Earn 5X CashPoints on EMI payments at select merchant stores.
- Everyday Spends: Get 2 CashPoints per ₹150 spent (excluding fuel, wallet reloads, vouchers, and prepaid card reloads).
- Partner Brands: Enjoy 10X CashPoints on purchases at Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore.
- Dining Offers: Up to 15% discount at 2,000+ partner restaurants across India.
Rewards Benefits
Welcome Benefits
Get free memberships like Amazon Prime, Swiggy One, and more on spending ₹75,000 within 90 days of card issuance.
- Transactions not eligible for reward points: Fuel, cash advances, payment of outstanding balance, card fees & charges, and Smart EMI/Dial an EMI.
- Reward caps:
- Insurance, utility, and telecom spends – maximum 2,000 reward points per day (per category).
- Grocery spends – maximum 2,000 reward points per calendar month.
- Overall monthly cap – 50,000 reward points per statement cycle.
- Zomato & Swiggy 5X Rewards:
- Out of 5X, the extra 4X is capped at 2,500 reward points per month.
- Remaining 1X rewards have no cap.
- Applicable only on minimum transactions of ₹150.
- Reward Redemption Rules:
- Maximum 70% of travel bookings (flights, hotels, experiences) can be paid via reward points, capped at 50,000 points/month.
- Cashback redemption against statement balance capped at 50,000 points/month.
- Activation Benefit: Available only on spends of ₹75,000 within 90 days of card issuance.
Rewards Benefits
Welcome Benefits
Get 12,500 Reward Points (worth ₹12,500) as a welcome bonus on fee payment, plus complimentary Club Marriott membership.
- Unlimited access to 1,000+ airport lounges (via Priority Pass and DreamFolks)
- 10X rewards on SmartBuy (flights, hotels, shopping, and more)
- Complimentary Club Marriott membership
- Low forex markup of 2%
- Golf games at top courses in India and abroad
- 24x7 concierge service and emergency card replacement globally
- Metal card design with premium packaging
Rewards Benefits
Welcome Benefits
Enjoy complimentary InterMiles Silver Membership and get 8,000 InterMiles as a welcome benefit.
- 6 InterMiles on every ₹150 spent on InterMiles.com (flights, hotels)
- 3 InterMiles per ₹150 on all other spends
- 8 complimentary domestic lounge visits per year (2/quarter)
- Free InterMiles Silver Tier Membership (upgradeable with usage)
- Spend-linked milestone rewards and discounts on travel partners
Rewards Benefits
Welcome Benefits
Complimentary ₹3,000 flight voucher and 6E Prime add-on on 3 monthly transactions for 3 months.
- 5% 6E Rewards on IndiGo flight bookings via 6ERewards.in
- 3% 6E Rewards on dining, grocery, and entertainment
- 2% 6E Rewards on other spends
- 8 complimentary domestic lounge accesses per year
- IndiGo benefits: Priority check-in, choice of seat, faster baggage delivery
- Spend milestone: Flight voucher worth ₹1,000 every ₹1.5 lakh spent
Rewards Benefits
Welcome Benefits
Get ₹250 fuel gift voucher and 100% cashback (up to ₹250) on first fuel transaction.
- Earn up to 5% fuel points on IndianOil transactions
- Additional fuel points on groceries and bill payments
- 1% fuel surcharge waiver on IndianOil outlets
- Easy EMI options and cashback redemption
- Renewal fee waived on annual spends of ₹50,000
- Accepted at over 50,000 IndianOil fuel stations
HDFC Regalia Credit Card
Rewards Benefits
Welcome Benefits
N/A
- Earn 10,000 reward points when you spend Rs. 5 lakh or more in an anniversary year.
- Get up to 15% discount on dining at partner restaurants.
- Accelerated rewards to help you earn points faster on your spends.
- Redeem your reward points for exclusive gifts and offers available only for Regalia cardholders.
- Enjoy up to 50 days of interest-free credit on purchases.
- Benefit from a low foreign currency mark-up fee of just 2% when using your card abroad.
Rewards Benefits
Welcome Benefits
Get joining benefits of vouchers worth Rs. 5,000 for shopping, dining, and more.
- Buy 1 Get 1 Free movie tickets (up to ₹250/month) via BookMyShow
- Up to 25% off on dining bills at select restaurants via Dineout or partner networks
- Exclusive lifestyle discounts (spa, salon, shopping)
- Spend-based renewal fee waiver
- Accepted widely across India for lifestyle purchases
Rewards Benefits
Welcome Benefits
Complimentary Annual memberships* of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite Tier and three-month Swiggy One on spending Rs. 1.5 Lakh within the first 90 days or upon first-year fee realization.
- Complimentary annual memberships like Amazon Prime, Times Prime, Club Marriott, Swiggy One, and MMT Black Elite as welcome benefits, renewed on annual spends of ₹8 Lakh.
- Vouchers from Ola, TataCliQ, BookMyShow, or cult.fit on monthly spends of ₹80,000 or more.
- Earn 5 Reward Points per ₹150 spent (≈3.3% back), 10X points on SmartBuy/partner brands, and 2X on weekend dining.
- 6 complimentary golf games per quarter at premium global courses.
- Unlimited airport lounge access at 1,000+ domestic and international lounges.
- Low forex markup fee of 2% on international transactions.
- Extensive travel insurance, including air accident cover worth ₹2 Crore.
Rewards Benefits
Welcome Benefits
- Earn 4 Reward Points on every ₹150 spent (1 RP = 1 Air Mile or ₹0.50)
- Redeem points with leading airlines like British Airways, InterMiles, KrisFlyer, and Club Vistara
- Enjoy 6 complimentary airport lounge visits at 1,000+ lounges worldwide
- Get up to 15% discount at 1,400+ premium restaurants globally
- Convert reward points into air miles for easy travel redemptions
- Annual fee waived on spends of ₹1 lakh in a calendar year
- Travel concierge service for flight, hotel, and dining bookings
- Insurance coverage including ₹1 crore air accident cover, ₹25 lakh emergency medical cover, ₹9 lakh credit liability, and ₹50,000 baggage delay cover
Rewards Benefits
Welcome Benefits
InterMiles Silver membership along with 3,000 InterMiles.
- Earn up to 8 InterMiles per ₹150 on flight and hotel bookings via InterMiles website.
- Get InterMiles Silver Membership for the first year.
- Welcome benefit of up to 3,000 InterMiles + vouchers worth ₹1,500.
- 8 complimentary domestic lounge visits per year (2 per quarter).
- Up to 50% off on Etihad Airways bookings.
- Complimentary Dineout Passport Membership with up to 30% dining discounts.
- Renewal fee waiver on spending ₹2.5 lakh in a year.
- 1% fuel surcharge waiver on fuel transactions.
- Interest-free credit period of up to 50 days.
Rewards Benefits
Welcome Benefits
Gift voucher of Rs. 500 on activating the card within 30 days of card issuance.
- Earn 5 reward points per ₹100 spent on Rail Connect app and IRCTC website; 1 RP per ₹100 on other spends.
- Redeem points against train bookings via SmartBuy at 1 RP = ₹1.
- 8 complimentary IRCTC railway lounge visits per year (max 2 per quarter).
- 1% transaction charge waiver on IRCTC bookings (up to ₹1,000/month).
- Welcome gift voucher of ₹500 on activating the card within 30 days.
- Milestone benefit: ₹500 gift voucher on spending ₹30,000 in a quarter.
- 1% fuel surcharge waiver on transactions between ₹400–₹5,000 (max ₹250/month).
- Annual fee waiver on spending ₹1.5 lakh in a year.
- Additional 5% cashback on IRCTC bookings via HDFC SmartBuy.
Rewards Benefits
Welcome Benefits
- Earn 4 reward points per ₹150 spent online (excludes fuel, EMI, wallet reloads).
- Bonus reward points on annual spends: 10,000 on ₹5L, 5,000 on ₹8L.
- Redeem points for cash credit, flights, or hotels.
- 5% cashback on essential business spends (capped at ₹500/month).
- Complimentary Priority Pass membership with 6 international & 12 domestic lounge visits.
- Low forex markup fee of 2%.
- Complimentary insurance: air accident, overseas hospitalization, flight delay, and missed connecting flight.
- 1% fuel surcharge waiver (max ₹500/month).
Swiggy HDFC Credit Card
Rewards Benefits
Welcome Benefits
Complimentary 3 months Swiggy One membership on card activation.
- 10% Cashback on Swiggy: Food, Instamart, Dineout, and Genie (monthly cap ₹1,500).
- 5% Cashback on Online Spends: Across select online categories (monthly cap ₹1,500).
- 1% Cashback on Other Purchases: Including offline spends (monthly cap ₹500).
- Complimentary Swiggy One: 3-month membership on activation.
- Travel Discount: 6% off on flights and intercity bus bookings via Paytm Travel.
- Golf Benefits (Mastercard): 4 complimentary green fees + 12 lessons per year; 50% off extra rounds.
- Annual Fee Waiver: Spend ₹2 lakh/year to waive fee (excludes cash, balance transfers).
- Zero Lost Card Liability: Report lost card to avoid fraudulent charges.
Rewards Benefits
Welcome Benefits
500 CashPoints after the payment of joining and renewal fee.
- 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber (up to 2,500 CashPoints/month)
- 1 CashPoint/₹150 on other eligible spends
- 500 CashPoints as welcome/renewal benefit
- Annual Fee Waiver on spending ₹50,000 in a year
- Dining Discounts: Up to 20% off via Swiggy Dineout
- Fuel Surcharge Waiver: 1% on ₹400–₹5,000, max ₹250/month
- Low Annual Fee: ₹500 + taxes
Rewards Benefits
Welcome Benefits
1,499 NeuCoins on Tata Neu App on making the first transaction within 30 days of card issuance.
- Earn a welcome bonus of 1,499 NeuCoins on first transaction.
- Get 10% NeuCoins on purchases via Tata Neu app.
- Earn 5% NeuCoins on Tata partner brand spends and 1.5% NeuCoins on all other transactions.
- Enjoy complimentary domestic and international lounge access.
- Benefit from a low foreign currency markup fee of 2%.
- Avail 1% fuel surcharge waiver, up to Rs. 500 per month.
- Waive the annual fee by meeting the required spend threshold.
Rewards Benefits
Welcome Benefits
00 Cash Points (applicable only on payment of membership fee). Rs.1,000 worth gift vouchers on spends of Rs.1,00,000 and above in each calendar quarter, for the first year only.
- Cashback: 5% on select online spends, 2.5% on other online spends, 1% on offline/wallet.
- EasyEMI: Convert spends above Rs.10,000 into 9-month EMI.
- Welcome Benefit: 500 CashPoints + Rs.1,000 gift vouchers on spending Rs.1,00,000 per quarter (first year).
- Annual/Renewal Fee Waiver: Spend milestones (Rs.20,000 & Rs.50,000) waive fees.
- Fuel Surcharge Waiver: 1% on transactions of Rs.400–Rs.5,000.
- Redemption: CashPoints can be used against statement balance, flights, hotels, and rewards catalogue.
Rewards Benefits
Welcome Benefits
Receive Snapdeal vouchers worth Rs.2,000 as a welcome gift.
- Welcome gift: Snapdeal vouchers worth Rs. 2,000 + 500 reward points.
- 5% discount on Snapdeal purchases.
- Earn 2 reward points for every Rs. 150 spent.
- Reduced fuel surcharge of 1% instead of 2.5%.
- Low annual fee of Rs. 500.
Rewards Benefits
Welcome Benefits
Earn 1,000 reward points.
- 1,000 welcome points and 1,000 renewal points
- Earn 3 reward points for every ₹150 spent, 50% extra points at select restaurants
- Professional indemnity insurance up to ₹20 lakh
- 1% fuel surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 per statement)
- Convert 667 reward points into 100 air miles
- Annual fee waived on spending ₹1 lakh in a year
- Up to 50 interest-free days and access to revolving credit
Rewards Benefits
Welcome Benefits
- Earn 500 reward points every year on Teacher’s Day (5th September)
- 2 reward points for every Rs. 150 spent on weekdays and 3X reward points on weekends
- Renewal fee waived on spending Rs. 50,000 in an anniversary year
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 (max Rs. 250 per statement cycle)
- Up to 3 lifetime-free add-on credit cards
Rewards Benefits
Welcome Benefits
- Earn 2 reward points for every Rs. 150 spent.
- Get 50% extra reward points on dining at premium restaurants.
- Redeem reward points to pay credit card bills (100 points = Rs. 10).
- Convert reward points to air miles or use them for vouchers and merchandise via HDFC Rewards Catalogue.
- Fuel surcharge waiver up to Rs. 250 per billing cycle, unlimited transactions.
- Annual fee of Rs. 500 waived on spending Rs. 50,000 in a year.
Rewards Benefits
Welcome Benefits
E-gift vouchers worth Rs. 5,000.
- Welcome benefit: e-gift vouchers worth Rs. 5,000.
- Reward points: 2 points per Rs. 150 spent; 5 points per Rs. 150 on weekday dining.
- Movie offers: 25% discount on BookMyShow tickets.
- Annual fee waiver: Spend Rs. 1,50,000 in a year.
- Additional discounts: Up to 35% on select restaurants via Dineout, 20% on travel & shopping.
- Contactless payment enabled.
Rewards Benefits
Welcome Benefits
- Earn 3 reward points for every Rs. 150 spent
- Get 50% extra reward points on dining and grocery spends
- Receive shopping vouchers worth Rs. 1,000 on spending Rs. 75,000 in six months
- Enjoy 1% fuel surcharge waiver at all fuel stations across India
Rewards Benefits
Welcome Benefits
1 Free Night Award (up to a value of 15,000 Marriott Bonvoy Points) on making the first eligible transaction1 or on levy of joining fee.
- 1 Free Night Award as a welcome benefit, valid for 1 year at participating Marriott hotels
- Complimentary Marriott Bonvoy Silver Elite status
- Earn 8 Marriott Bonvoy Points at Marriott hotels, 4 points on travel, dining & entertainment, 2 points on other spends
- Up to 3 bonus Free Night Awards on reaching spend milestones
- 12 complimentary domestic and international lounge visits per year
- 2 complimentary golf course access and golf lessons per quarter worldwide
- Insurance coverage including air accident, credit shield, and loss liability