HDFC Bank, one of India’s leading private sector banks, offers a diverse range of credit cards, catering to various needs like shopping, fuel, entertainment, travel, dining, rent payment, etc. From travel rewards to cashback offers and lifestyle benefits, HDFC credit cards have it all. But with so many options available, how do you find the best HDFC credit card that suits your requirements perfectly? In this article, we will take you through different available options to help you make an informed decision and choose the ideal HDFC credit card that aligns with your lifestyle and financial goals.
Most premium HDFC credit card: Infinia Credit Card
Regarded as one of India’s finest premium credit cards, HDFC Infinia offers an array of advantages spanning travel, rewards, shopping, and premium brands. Despite its substantial annual fee of Rs 12,500, the extensive benefits, when optimally utilised, far outweigh the cost. Additionally, Infinia is now available as a sleek metal card. The perks include complimentary Club Marriott membership, free weekend buffet, stay at ITC Hotels and a complimentary Dine-out Passport Membership. Besides, it provides unlimited worldwide lounge access for both primary and add-on cardholders.
Best HDFC credit card for lifestyle benefits: Diners Club Privilege Credit Card
The Diners Club Privilege card, offered by HDFC Bank, is a highly sought-after lifestyle card. With a reasonable annual fee of Rs 2,500, it provides a range of benefits in various categories. On spending Rs 75,000 within 90 days of card activation, you gain annual memberships to Amazon Prime, MMT Black, Dine-out Passport and Times Prime. Additionally, spending Rs 40,000 per month offers access to memberships like Ola Cabs, TataCLiQ, cult.fit or BookMyShow. The card earns you four reward points per Rs 100 spent and offers premium benefits, such as lower foreign currency mark-up fee, travel-related insurance coverage, and 12 complimentary airport lounge accesses to 1,000+ lounges across India.
Best HDFC credit card for cashback benefits: MoneyBack Plus Credit Card
Priced at just Rs 500 annually, the HDFC Bank MoneyBack Plus Credit Card is an excellent choice for cashback rewards. The card provides cashback in the form of CashPoints, which can be used to offset the statement balance, avail travel benefits on the SmartBuy Portal, or redeem vouchers and merchandise from the rewards catalogue. Enjoy 10x Cash Points on Flipkart, Amazon, Big Basket, Swiggy, and Reliance Smart Superstore, 5x Cash Points on EMI spends and two cash points for every Rs 150 spent. Additionally, relish dining benefits, spend-based waiver, fuel surcharge waiver and many more perks.
Best HDFC credit card for travel: Indigo 6E Rewards XL Credit Card
In partnership with Indigo Airlines, this credit card allows you to earn substantial rewards on all your expenses, with additional benefits when booking Indigo tickets. Ideal for frequent travellers, it provides preferential forex markup, lounge access and the option to use rewards for ticket bookings. The annual fee is Rs 2,500, and you receive welcome vouchers worth Rs 6,000 from Accor Hotel. Earn 5% back as 6E Rewards on Indigo spends, 3% on groceries, dining, and entertainment, and 2% on all other categories. Enjoy discounted convenience fees for booking Indigo tickets and up to 15% 6E Rewards with featured partners.
Best HDFC credit card for fuel savings: IndianOil HDFC Bank Credit Card
Ideal for those with high fuel expenses, this credit card rewards you with fuel points. You can earn up to 50 litres of free fuel annually. The card offers 5% fuel points on spends at Indian Oil outlets, bill payments and groceries purchases, and one fuel point for every Rs 150 spent. With an affordable annual fee of Rs 500, it includes Complimentary IndianOil XTRAREWARDS Program (IXRP) membership and a 1% fuel surcharge waiver at all fuel stations for transactions of Rs 400 or more.
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Best HDFC credit card for entertainment: Platinum Times Credit Card
Priced at an annual fee of Rs 1,000, the HDFC Platinum Times Credit Card is an entertainment card that offers generous discounts on movies and dining. It also provides satisfactory benefits on shopping and travel, making it an attractive option for all. Enjoy perks like complimentary Times Prime Annual Membership worth Rs 999, 50% discount on movie tickets booked through BookMyShow and 20% discount on shopping and travel via HDFC’s Times Card website. Additionally, you’ll earn three reward points for every Rs 150 spent, 10 reward points per Rs 150 spent on weekday dining, up to 5% cashback on utility bills and shopping and over 40% discount on select restaurants when paid via the DineOut App.
FAQs
How can I apply for an HDFC credit card?
You can apply for an HDFC credit card through the HDFC Bank website or by visiting the nearest HDFC Bank branch. Fill out the application form with necessary documents and submit it for processing.
What are the eligibility criteria for an HDFC credit card?
The eligibility criteria may vary depending on the type of credit card you apply for. Generally, you should be at least 21 years of age and have a stable source of income to be eligible for an HDFC credit card.
How long does it take for the credit card application to be processed?
The processing time for an HDFC credit card application is usually 7 to 21 working days, depending on the application and other factors.
Can I check my HDFC credit card application status online?
Yes, you can check the status of your HDFC credit card application online through the HDFC Bank website. Simply enter the required details, and you will get real-time updates on your application status.
What should I do if my HDFC credit card is lost or stolen?
If your HDFC credit card is lost or stolen, immediately contact the HDFC Bank customer care helpline and report the incident. They will block your card to prevent any unauthorised transaction and guide you.
How can I redeem reward points earned on my HDFC credit card?
You can redeem your HDFC credit card reward points through the HDFC Bank website or by contacting the customer care helpline. Choose from a wide range of redemption options, including flight bookings, hotel stays, gift vouchers and more.
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