Best HDFC Credit Cards In India (2018 Review)

Best HDFC Credit Cards In India (2018 Review)

In this article, I’ll review the best HDFC credit cards in various categories such as cashback, shopping, travel, luxury and fuel.

HDFC Bank offers some of the best credit cards in India.  HDFC Bank has credit cards for everyone in every category.

Many salaried employees often have salary account with HDFC Bank.  So it is relatively easy for most salaried employees as well as self-employed persons to apply for an HDFC credit card.

The annual fees of HDFC credit cards are in general very low or usually waived on spending certain amount each year using the HDFC credit cards.

I hope you’ll find this review on HDFC Credit Cards very valuable in finding your credit card!

Please let me know your valuable comments at the bottom of this page.

 

HDFC Money Back Credit Card

HDFC Money Back Credit Card is a cashback credit card.  It is a great credit card for everyday purchases such as grocery, fuel, bill payments, online transactions etc.

I highly recommend this credit card to any first time credit card buyers and to those who want to earn plenty of cashback with their credit card transactions.

Eligibility: All salaried employees & self-employed are eligible to apply

Check Eligibility

Highlights of HDFC Money Back Credit Card:

  • 2X Reward Points on every Rs. 150 spent
  • 4X reward points on online spends
  • Redeem Reward Points as CashBack(100 reward points = Rs.20)
  • 1% Fuel surcharge waived upto Rs.250 per month.
  • Zero Lost Card liability after reporting the loss of credit card within 24 hours.
  • Get Rs.500 in E-Voucher when you spend Rs.50,000 in a quarter(3 months).
  • Reward points are valid for 2 years.
  • Interest free credit period – 50 days

Annual Fees: Rs.500 ( waived if annual spends is Rs.50,000 or more)

Apply Here

HDFC Platinum Times Credit Card:

HDFC Platinum Times Credit Card is focussed towards Lifestyle/Entertainment seekers.

However, you can still use HDFC Platinum Times Credit Card for everyday purchases and earn good reward points.

Also a good credit card for first time credit card buyers as the annual fee is waived on spends of just Rs.25,000 annually.

Eligibility: All salaried employees & self-employed are eligible to apply

Check Eligibility

Highlights of HDFC Platinum Times Credit Card:

  • 25% off on movie tickets any day
  • 20% off on dining any day
  • Bouquet of discount vouchers for shopping, apparel, dining as welcome gift
  • 3X Reward points on every Rs.150 spent
  • 10X Reward points on dining spends on weekdays(Mon-Fri)
  • Reward Points are valid only for 2 years
  • 1% fuel surcharge waived
  • Interest free period – 50 days

Annual Fees: Rs.1000 ( waived when spent Rs.25000 or more in a year)

Apply Here

 

HDFC Bharat Credit Card

HDFC Bharat Credit Card is a simple common man’s credit card for everyday purchases such as grocery, utility bill payments, mobile recharge, and IRCTC train booking.

Easily Earn Rs.3000 in cashback every year.

Eligibility: All salaried employees & self-employed are eligible to apply

Check Eligibility

Highlights of HDFC Bharat Credit Card

  • 5% Cashback on rail bookings through IRCTC Website or mobile app
  • 5% cashback on fuel spends
  • 5% cashback on bill payments and mobile recharge
  • max cashback of Rs.150 per month on the above 3 categories.
  • 5% cashback on EasyEMI, PayZapp and SmartBUY transactions (max Rs.150 cashback per month)
  • 1% Fuel surcharge waived
  • zero liability on lost credit card
  • 50 days of interst free period

Annual Fee: Rs.500 (waived on annual spends of Rs.20,000 or more)

Apply Here

 

HDFC Regalia Credit Card

HDFC Regalia Credit Card is a luxury lover’s credit card.

The credit card provides a host of benefits to travelers, diners, holiday/vacation lovers.

HDFC Regalia Credit Card is definitely not a right credit card for first time credit card buyers.

Eligibility: Salaried employees with monthly income > Rs.1,20,000 or Self-Employed with annual income of Rs.12,00,000

Check Eligibility

Highlights of HDFC Regalia Credit Card:

  • Earn 15,000 reward points on annual spends of Rs. 8,00,000 or more
  • Earn 10,000 reward points on annual spends of Rs. 5,00,000 or more
  • Complimentary Club Vistara Memberships – Additional 5Kg Baggage allowance, Priority Airpot Check-In and Waitlist Clearance
  • Complimentary Priority Pass Membership – All Priority Pass Lounge Access within charged at $27+GST and outside India charged at $27+GST after 6
  • complimentary lounge access outside India in a calendar year.
  • Complimentary Visa/Master Card Lounge Access Program – 12 Free lounge access per year within India.
  • Lowest Foreign currency Mark-up of 2% on all international transactions
  • 1% Fuel surcharge waiver
  • 50 days of interest free credit
  • Exclusive airline ticket booking and hotel booking website “www.hdfcbankregalia.com”
  • Air Accidental Death Insurance of Rs. 1 Crore
  • Emergency Medical Protection upto 15 Lakhs on any medical emergency when you are traveling outside the home country.
  • Credit Liability Protection Upto 9 Lakhs
  • Earn welcome benefit of 2500 bonus reward points after joining
  • Earn 2500 bonus reward points on renewal every year
  • Zero Liability on Lost Credit Card
  • 4X Reward Points on every Rs.150 spent
  • Reward Points are valid for only 2 years

Fees:

Joining Fee: Rs.2,500
Annual Fee: Rs.2,500( Waived on spending Rs.3 Lakhs or more annually)

Apply Here

 

Also Read:

Best Citibank Credit Cards In India (2018 Reviews and Comparison)

Best SBI Credit Card In India 2018 Review

HSBC Credit Cards In India 2018 ( Review and Comparison)

Leave a Comment