Updated: Feb 25, 2022, 11:48am
The choice of a credit card can be very subjective and depends on what a person is looking to use it for. Since there can’t be a single card for all, we have picked some of the best credit cards from those issued by HDFC Bank to help you understand which ones suit your needs the most.
INR 2500 + 18% GST
Annual fee will not be charged if the subscriber spends INR 3 lakh in one year.
2,500 points
INR 2500 + 18% GST
Annual fee will not be charged if the subscriber spends INR 3 lakh in one year.
2,500 points
This premium credit card is ideal for people who travel by air, do online shopping (preferably via foreign websites as it has the lowest foreign currency markup) and like to dine out as the Dineout membership provides a 25% discount in partner restaurants. From time to time it comes up with good offers where one can earn 5X to 10X reward points.
Rewards:
APR: 41.88%
12 free airport Lounge visits
1% fuel surcharge waiver at all fuel stations in India.
25% discount at partner restaurants.
1+1 on buffet at selective restaurants.
Insurance/Comprehensive Protection
24/7 concierge services.
Lowest foreign currency mark-up fee on international transactions of 2%.
INR 12,500 + 18% GST
Annual fee will not be charged if the subscriber spends INR 10 lakh in one year.
Complimentary Club Marriott membership 12,500 Reward Points (for one year only).
INR 12,500 + 18% GST
Annual fee will not be charged if the subscriber spends INR 10 lakh in one year.
Complimentary Club Marriott membership 12,500 Reward Points (for one year only).
The card is reward-point based and one can even get reward points on paying rent, for insurance and education. It provides unlimited access to golf and airport lounges for frequent travelers and golf enthusiasts.
Lowest foreign currency mark-up fee on international transactions of 2%.
Up to 50 days of interest-free period on your HDFC Bank Infinia credit card from the date of purchase.
Rewards
APR: 23.88%
Unlimited airport lounge visits.
1% fuel surcharge waiver on transactions between INR 400 and INR 1,00,000
1+1 weekend buffet offers at ITC Hotels.
Dineout Passport membership for a year that offers:
1. 20% off at 2,000 + premium restaurants 1+1 on Buffet at 200+ restaurants
2. 1+1 on food, drinks at partner restaurants.
3. 15% discount on bill payment via Dineout Pay.
Accidental air death cover of INR 3 crore.
Emergency overseas hospitalization up to INR 50 lakh.
Unlimited complimentary golf games at select golf courses in India and abroad.
Zero lost card liability.
INR 500 + 18% GST
Annual fee will not be charged if the subscriber spends INR 50,000 in one year.
5% cashback on telecom, utility, government and tax payments.
INR 500 + 18% GST
Annual fee will not be charged if the subscriber spends INR 50,000 in one year.
5% cashback on telecom, utility, government and tax payments.
One can get cash back of 5% and Reward Points at the same time. There is a cap on cash back of INR 250 per billing cycle but no cap on Reward Points.
The annual fee is just INR 500 so if one could get a cash back of even INR 250 in a month the fee amount can be realized in just two months.
There are better facilities for the current account holders for the first year and from the second year it is the same for all. The card also provides the facility of POS reversal as well. This card is beneficial if the user has to pay bills costing more than INR 10,000.
Terms for cashback:
Maximum cashback of INR 250 per statement on minimum monthly spends of INR 10,000 (here it means that to avail this 5% cashback, which can go a maximum to INR 250, one will have to have a minimum spend of INR 10,000).
Ongoing Benefits
Rewards:
For Current Account Holders:
What is POS Rental?
Merchants have to pay a small percentage of the transaction (about 2%) as rental fee to the bank whenever the POS machine is used. These charges are waived off and the merchant will not have to pay it, if the merchant satisfies the above condition.
APR: 43.20%
Lounge Benefit (Y/N): N
Fuel Benefit Description: 1% fuel surcharge waiver on transaction between INR 400 and INR 250 per statement cycle.
Dining Benefit Description:
Insurance/ Comprehensive Protection (Y/N): N
Other Benefits:
INR 1,000 + 18% GST
Annual fee will not be charged if the subscriber spends INR 2 lakh 50 thousand in one year.
Gift vouchers across shopping, apparel, dining and many more categories
INR 1,000 + 18% GST
Annual fee will not be charged if the subscriber spends INR 2 lakh 50 thousand in one year.
Gift vouchers across shopping, apparel, dining and many more categories
The card provides various offers round the year on dining, shopping, wellness etc.
One can get many online and offline offers with the help of the Times Card app specific to the location of that person at times providing 10, 15, 25% discounts to users.
Ongoing Benefits:
Rewards:
APR: 43.20%
1% fuel surcharge waiver on transaction between INR 400 and INR 5,000. Max waiver of INR 500 per statement cycle.
Insurance/ Comprehensive Protection
INR 1,000 + 18% GST
Annual fee will not be charged if the subscriber spends INR 2 lakh 50 thousand in one year.
3,000 Bonus InterMiles.
INR 1,000 + 18% GST
Annual fee will not be charged if the subscriber spends INR 2 lakh 50 thousand in one year.
3,000 Bonus InterMiles.
This card facilitates travelers to book hotels and flights online. One can avail discounts of around 5% on Etihad Airlines and bonus points at the same time. It is noteworthy that subscribers get the InterMiles gold membership for the first year. One can make full use of it by taking that membership the year one has plans to travel frequently.
Renewal Benefits
Ongoing Benefits
Rewards:
APR: 43.20%
2 international airport lounge visits per quarter that makes it 8 lounge visits per year.
Unlimited domestic airport lounge visits.
1% fuel surcharge waiver on minimum transaction of INR 400, waiver capped at INR 250 every billing cycle.
20% discount on dining bills paid through Dineout Pay.
Zero lost card liability
Interest-free credit period
Revolving credit
We analyzed up to 50 credit cards issued by the HDFC Bank and selected the best among them based on some basic criteria:
The value of APR or the annual percentage rate is the interest rate one pays for borrowing money with the help of credit cards. This interest is applied on the total loan borrowed in a year and hence is called the annual percentage rate.
This interest rate can be charged if you have not paid the card bill every month. Lesser the APR, lesser interest you pay in case of any delay or default in the payment of bill or incase of borrowing.
The reward point system is a little complicated as the value of these reward points differs, unlike cash-back credit cards, but overall one gets the value for their money.
Redemption of reward points varies from case to case in general following is the value of HDFC reward points in general.
Reward Points can be redeemed for:
Yes, one can take multiple cards from the same company and from different companies as well.
Required income differs from card to card. There are cards for students which do not require any income and there are premium cards which are only given to people coming in high income brackets.
The following documents are required for you to avail a credit card:
Non-resident Indians can apply for a HDFC credit card with relevant documents.
In HDFC cards, in the event that the bank does not charge an annual fee on the credit card, the card holder is not entitled to get renewal benefits that he or she generally get on renewal.
Armaan is the India Lead Editor for Forbes Advisor. He has more than a decade’s experience working with media and publishing companies to help them build expert-led content and establish editorial teams. At Forbes Advisor, he is determined to help readers declutter complex financial jargons and do his bit for India’s financial literacy.