HDFC Bank Credit Card

HDFC Bank, India's largest private sector bank by assets, offers an extensive range of credit cards to its customers. However, choosing a card can become overwhelming at times, especially when there is a large choice in front of the customer. Therefore we have listed the best HDFC Credit Cards that would be suitable to meet your needs. The table below contains the best credit card from each category.

Top HDFC Credit Cards in India

Card Name Category Annual Fee Annual Bonus
HDFC Bank Solitaire Credit Card Shopping, Travel INR 1,000 INR 4,000
HDFC Bank Infinia Credit Card Super-Premium & Airport Lounge Access INR 10,000 Nil (Benefits only card)
HDFC Bank Diner's Club Black Rewards INR 5,000 15,000 bonus points
HDFC Bank Bharat Cash back Credit Card Fuel & Utility, Cash back INR 499 Nil
HDFC Bank Diner's Club Premium Card Travel INR 2,500 5,000 bonus points
HDFC Bank Regalia Credit Card Premium Travel, airport lounge access INR 2,500 17,500 bonus points
Jet Privilege HDFC Bank Signature/ World Credit Card Travel INR 2,500 10,000 bonus points
HDFC Bank Titanium Times Credit Card Movies and dining INR 500 Nil
HDFC Bank Doctor's Superia Credit Card Airport Lounge for doctors INR 1,000 2,000 bonus points

HDFC Bank Credit Cards - Features & Benefits

HDFC Bank Solitaire Credit Card (For Women shoppers)

The HDFC Bank Solitaire Credit Card is targeted at female shopaholics who travel a lot. The reward points earned can be redeemed for Jet Airways Miles. Furthermore, the Solitaire credit card works for retail purchases and not online shopping. Additionally, this card also offers discounts on fuel and dining bills, making it perfect for most of your everyday needs.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Milestone benefits and Travel benefits High interest rate
 Discounts on fuel and dining spends  No welcome gift
 Rewards programme  No golf games
Fuel Surcharge Waiver

Rewards/Benefits

  • INR 1,000 Shopping vouchers on INR 75,000 spend every 6 months.
  • 3 Reward Points on INR 150 spent and 1 reward point = INR 0.20.
  • Cash back of more than INR 2,000 on reaching milestone spend of INR 5,00,000.
  • 50% more Reward Points on dining and grocery spends.
  • Redeem your reward points for Jet Airways miles.
  • Fuel Surcharge Waiver capped at INR 250 every month.

Quick Figures

Annual Fee INR 1,000
Annual Bonus INR 4,000
APR 41.88%
Eligibility Criteria Should be a salaried employee or have a stable monthly income when self-employed.

The HDFC Bank Solitaire Card is one of the best credit cards in India for women who love to go shopping every now and then. This card offers not just an impressive rewards rate on shopping, but also offers 50% more rewards on grocery spends and dining bills. Furthermore, the shopping vouchers that you get every 6 months on meeting eligible spend requirements also makes this card attractive to the target group.

HDFC Bank Infinia Credit Card (For super-premium features and airport lounge access)

The HDFC Bank Infinia Credit Card is targeted at people who like splurging a large amount of money. This card offers advanced premium features such as a great rewards programme, protection in case of accidental air death, complimentary air lounge access, personal concierge services etc. Additionally, you get a complimentary Club Vistara Gold Membership. Furthermore, the Infinia card offers a no pre-set spending limit and it comes with a minimum credit limit of INR 10,00,000.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Great rewards and benefits An invite-only card
 Priority Pass membership/ Unlimited Airport Lounge Access No renewal benefit
 Low Foreign Currency Mark-up Fee No welcome benefit
Complimentary Club Vistara Gold Membership, Golf privileges

Rewards/Benefits

  • No Pre-set Spending limit and a minimum credit limit of INR 10,00,000.
  • Unlimited access to international and domestic airport lounges.
  • A low foreign currency mark-up fee.
  • Complimentary Club Vistara Gold Membership.
  • Concierge services to customize your travel, business and entertainment needs.
  • Exclusive golf lessons.
  • Minimum 15% discount at partner restaurants.
  • 5 reward points for every INR 150 spent, however, 10 reward points for every INR 150 spent on partner restaurants or bookings made from hdfcinfinia website or airvistara.

Quick Figures

Annual Fee INR 10,000
Annual Bonus Nil ( Benefits only card)
APR 23.88%
Eligibility Criteria Should be a salaried employee or have a stable monthly income when self-employed.

This credit card is only for high net worth individuals or people with salaries as high as INR 50 Lacs. Therefore, the approval rate for this card is very low. Those of you who cannot get their hands on this card should consider HDFC Regalia Card. This card takes care of all of your needs and is the best in this segment.

HDFC Diner's Club Black Credit Card (For rewards)

Recognized for its excellent rewards programme, the HDFC Diner's Club Black Programme is the best HDFC credit card for earning rewards. Every reward point can be redeemed for Re 1 on booking flight tickets/hotels. This card offers 6 golf games per quarter and unlimited airport lounge access. Furthermore, this card also comes with an impressive insurance policy. Additionally, you get 10X rewards on all your international spends.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Great rewards and benefits High first-year membership fee and renewal fee
 Unlimited Airport Lounge Access Difficult to get
 Low Foreign Currency Mark-up Fee  Card acceptability
Golf games  (Green Fee Waiver)

Rewards/Benefits

  • 10x Reward Points on all International Spends and Smartbuy.
  • 5X rewards on all other transactions.i.e. 5 reward points for every INR 150 spent.
  • Value of each reward point equals Re 1.  Up to 25,000 reward points a year.
  • 3 free movie tickets on BookMyShow.
  • 6 complimentary golf games per quarter.
  • Concierge services
  • Air accident cover of INR 2 Crore
  • Emergency medical expenses cover of INR 50 Lakh.
  • Global Value Program at  INR 199 Annual Fee.
    • - 500 Bonus reward points as a welcome benefit on 1st international spends.
    • - 1% Cashback on all International transactions.
    • - INR 2,000 worth Yatra vouch on reaching milestone spend of INR 1,50,000 on international spends.

Quick Figures

Annual Fee - Year 1 Fee: INR 10,000
- Renewal Fee: INR 5,000
Annual Bonus - 10,000 bonus points as a welcome gift
- 5,000 bonus points on renewal
APR 23.88%
Eligibility Criteria - For salaried: Net Monthly Income > INR 1.75 Lakhs per month.
- For self-employed: ITR > INR 21 Lakhs per annum

The HDFC Bank Diner's Club Black Credit Card gives an impressive savings of up to 33%. With this card, you earn 10X rewards on all your international spends, making this card the best credit card for earning reward points. Additionally, you can earn up to 25,000 reward points, where every reward point equals Re 1. This card also offers a good deal when it comes to dining discounts and BookMyShow offers.

HDFC Bharat CashBack credit card (For Cash back and Fuel)

The HDFC Bank Bharat Cash back credit is perfect for people who have just started out with their careers and need a credit card that allows cash back on some categories. Furthermore, this card is perfect for cash back on fuel, IRCTC bookings and a few mobile wallets.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Cash back on IRCTC Booking, fuel recharges No welcome benefit
Cash back on  mobile wallets Limited Cash back
Fuel Surcharge Waiver No rewards

Rewards/Benefits

  • Save up to INR 3,000 a year by using this card
  • 5% cash back on rail bookings through IRCTC website or app.
  • Cash back of 5% on Bill Pay and recharges
  • 5% cash back for all EasyEMI, PayZapp and SmartBUY transactions
  • 1% Fuel Surcharge Waiver, which is capped at INR 250.

Quick Figures

Annual Fee INR 500 every year Waived off if you spend INR  20000 in one year
Annual Bonus Nil
APR 41.88%
Eligibility Criteria
For salaried employee: Gross Monthly Income> Rs 12,000
For self-employed: ITR > Rs 2 Lakhs per annum

The cash back options provided by this card are better than the Citi Cash back Credit Card. However, the maximum cashback is capped at INR 150 for each category. In spite of this limitation, the HDFC Bank Bharat Cash back credit Card is one of the best credit cards in India for fuel spends and utility payments.

HDFC Bank Diner's Club Premium Credit Card (For Rewards)

The HDFC Bank Diner's Club Premium Credit Bank is one of the best credit cards that gives you premium rewards. Furthermore, the reward points that you earn can be redeemed for AirMiles across Jet Airways (JPMiles), or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.50 AirMile ). Additionally, the insurance covers for Air accident death, emergency medical care overseas and lost credit card liability is also impressive, thereby, making this card attention worthy.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Travel Insurance and air accident cover  High APR
 Airport lounge access High Annual Fees
 Welcome Gift  No cash back
Impressive Rewards

Rewards/Benefits

  • 4 reward points on every spend of INR 150.
  • 10X Reward points on international Spends.
  • 6 Complimentary Airport Lounge Access.
  • Welcome gift of 2,500 bonus points
  • Golf privileges at select golf courses.
  • Fuel Surcharge Waiver of up to INR 500 every month.

Quick Figures

Annual Fee  INR 2,500 Waived off on spends of INR 3L in 12 Months
Annual Bonus  2,500 welcome bonus and 2,500 renewal bonus
APR 41.88%
Eligibility Criteria - For salaried: Net Monthly Income > INR 60,000 per month.
- For self-employed: ITR > INR 7.2 Lakhs per annum

The HDFC Bank Diner's Club Premium Credit Card is perfect for those who value rewards over cash back. Furthermore, the travel benefits and concierge services it offers are unparalleled.  Moreover, this card also offers a Fuel Surcharge Waiver and golf privileges, which makes it a great option for you.

HDFC Bank Regalia Credit Card (For Travel Benefits)

HDFC Bank Regalia Credit Card is the most popular among all HDFC credit cards.This card targets people who want airport lounge access as opposed to reward points. Furthermore, the 23.88% interest rate is another reason you should be opting for this card.

Pros and Cons

Reasons to Choose Reasons to Avoid
 2500 points as joining bonus Minimal rewards programme
 Airport Lounge Access No rewards except for travel
 1 year complimentary Club Vistara Membership No golf privileges
Low foreign currency mark-up fee

Rewards/Benefits

  • 1% fuel surcharge waiver across all petrol pumps in India. This is capped at Rs. 500 per billing cycle
  • Comprehensive protection in case of air accident death, medical emergency protection while travelling abroad.
  • 6 complimentary international airport lounge visits.
  • 8 complimentary domestic lounge visits a year.
  • Low foreign currency mark-up fee.
  • Complimentary Club Vistara Membership to both primary cardholder and add-on member.
  • Milestone benefit up to 15,000 reward points
    • - For spends of INR 5,00,000 a year: 10,000 reward points
    • - For spends between INR 5,00,000 to 8,00,000- additional 5,000 reward points

Quick Figures

Annual Fee  INR 2500 + GST Spend INR  3L in 12 Months and get Renewal Fee waived for next renewal year
Annual Bonus  17,500 bonus points
APR  23.88%
Eligibility Criteria The eligibility criteria for this card are as follows: Salaried: Gross Monthly Income of at least INR 120,000 Self-employed: ITR Income of at least INR12,00,000

The HDFC Bank Regalia Credit Card is perfect for you if you are looking at an entry-level premium credit card with excellent travel benefits and access to airport lounges. However, if you want to earn rewards and the Priority Pass membership or Club Vistara membership does not matter much to you, you may find other cards that have better rewards programmes.

Jet Privilege HDFC Bank Signature/World Credit Card (For Travel)

The Jet Privilege HDFC Bank Signature/ World Credit Card is a travel credit card offered by HDFC bank in partnership with Jet Airways. Not only does it offer a fabulous welcome bonus but also a waiver of base fare for domestic travel with Jet Airways within India. On all your purchases, you can also win miles on flights booked through Jet Airways official website. Furthermore, you get privileges such as additional baggage allowance and premier check-in for all domestic Jet Airways flights.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Welcome & Renewal benefit Limited to one Airline
 Priority Pass Membership High interest rate
Zero Liability on lost card No dining discounts or entertainment offers
Discount on domestic Jet Airways tickets  No Golf privileges

Rewards/Benefits

  • Up to 10,000 JPMiles as a welcome benefit
    • - 5000 JPMiles on first swipe within 90 days of the card set up
    • - 5000 JPMiles on spending INR 75, 000 within first 90 days of your card set up
  • Up to 4,000 JPMiles as renewal benefit
  • 6 JPMiles on every INR 150 spent on retail expenses with your card
  • 8 JPMiles on every INR 150 spent on flight tickets
  • One Tier point on your Jet Airways Frequent Flier Membership on every INR 2,00,000 spent on your card.
  • Premier check-in and excess baggage allowance
  • Priority Pass Membership
  • Fuel Surcharge Waiver

Quick Figures

Annual Fee  INR 2500 + GST Spend INR  3L in 12 Months and get Renewal Fee waived for next renewal year
Annual Bonus  Up to 10,000 bonus points
APR  42%
Eligibility Criteria Should be salaried or with stable monthly income if self-employed

If you are a Jet Airways Frequent Flyer, then this card is perfect for you. Not only you earn enough JPMiles as a bonus, but also get discounts on base fare of domestic Jet Airways tickets. Nevertheless, the disadvantage with this card is it does not offer dining or entertainment discounts.

HDFC Titanium Times Credit Card (For Movies)

The HDFC Titanium Times Credit Card is one of the best credit cards that provides offers a 25% discount on movies. Furthermore, you have the opportunity to earn more reward points on dining bills from Monday-Friday. Additionally, you can also save on fuel with this card.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Discounts on movies No cash back
Savings on Fuel High interest rate
 Rewards on dining spend

Rewards/Benefits

  • 25% discount on movies and 15% discount on dining
  • 2 reward points on every INR 150 spent
  • 5 Reward points on every 150 spent on weekdays.
  • INR 1,500 savings on fuel
  • Dining discounts of up to INR 4,500  a year

Quick Figures

Annual Fee INR 500
Annual Bonus Nil
APR 41.88%
Eligibility Criteria Should be a salaried employee or have a stable monthly income when self-employed.

The HDFC Bank Titanium Times Credit card is good for those who love dining out and love to watch movies. However, it is not a great option when it comes to earning rewards or cash back.

HDFC Doctor's Superia Credit Card (For doctors)

The HDFC Doctor's Superia Credit Card targets all doctors in India. The best features of this card are its welcome benefits and the airport lounge access that it offers for a low fee.

Pros and Cons

Reasons to Choose Reasons to Avoid
 Welcome Benefit No cash back
Complimentary Priority Pass Membership High interest rate
 Rewards on dining spend

Rewards/Benefits:

  • 1000 reward points on joining
  • 1000 points on renewal
  • Complimentary Priority Pass Membership and Mastercard Programme
  • First-year Fee reversed if f you spend INR 15,000 in first 90 days of card set-up date and renewal fee reversed if you spend INR 1,00,000 in a year prior to the renewal date
  • 8000 Air voucher or corresponding AirMiles on redemption of reward points earned on a spend of INR 5 lakh
  • 3 reward points for every INR 150 spent

Quick Figures

Annual Fee INR 1000+taxes
Annual Bonus 2000 bonus points
APR 41.88%
Eligibility Criteria Should be a salaried employee or have a stable monthly income when self-employed.

The HDFC Bank Doctor's Superia Card is targeted at doctors who wish to avail benefits such as airport lounge access. This card has a low joining fee as compared to other cards which offer airport lounge access. Furthermore, you can save up to INR 8,300 on airport lounge visits.

Bottom Line

Among all HDFC Bank credit cards, the HDFC Regalia Credit Card is the most popular card that comes with a reasonable price and exceptional annual bonus of up to 17,500 points. Nevertheless, it is the HDFC Infinia card that clearly shines in terms of the super-premium services and unlimited airport lounge access services it offers. When it comes to a low annual fee, the HDFC Bharat offers a good deal on fuel and utility payments. On the other hand, the HDFC Bank Titanium Times is a great credit card for offers on dining and movies at an affordable annual fee. Clearly, every credit card serves a unique purpose and does well in a specific category. Therefore, you can make use of this review to decide the most suitable card for your needs.

FinTown Advantage:  We provide unbiased personal finance advice to help people make the best possible financial decisions. Our reviews and ratings of financial products are determined by customer financial wellbeing and not profiteering. Whether or not we make a penny, we do what is best for the customer. Our research team is made up of economists and market researchers who spend hundreds of hours researching and comparing products with the same mission in mind.

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