Best HDFC Credit Cards

The list of 10 best HDFC credit cards is mentioned below:

1. HDFC Regalia credit card.

2. HDFC MoneyBack credit card.

3. HDFC Millennia credit card.

4. HDFC Titanium Times credit card.

5. HDFC Platinum Times credit card.

A. HDFC Regalia Credit Card

HDFC Regalia credit card is called one of the Best HDFC Credit Cards among other credit cards launched by the company. The reason is that these credit cardholders can enjoy several types of benefits in various categories such as travel, shopping, dining, and many more while using these credit cards.

The customers who wish to obtain HDFC Regalia credit cards need to have a minimum monthly income of more than Rs 1 lakh.

Key Features & Benefits:

The customers willing to get HDFC Regalia credit cards to need to pay Rs 2500 as joining fees and its annual fees are also the same, Rs 2500 every year. But this annual fee can be put aside if the cardholders can spend Rs 3 lakh in the previous year through these credit cards.

Airport lounge access has been a major feature that is offered with the HDFC Regalia credit card and significantly, the HDFC Regalia credit cardholders can get the rights of admittance to domestic lounges in any airport within India or 12 times every year by using Visa or MasterCard as well as can get access to six international airport lounges every year.

Then HDFC Regalia credit card offers splendid reward programs for the usage of this card. The cardholders can get 4 reward points on spending for retail products (except fuel) Rs 150 every time.

The cardholders can also achieve another benefit, named milestone benefits. If the respective cardholder spends Rs 5 lakh within a year then the respective credit cardholder will be able to earn 10 thousand reward points and if the cardholder can spend Rs 8 lakh within a year then he or she will be earning extra 5 thousand reward points. With these milestone benefits, the cardholders have opportunities to cash on these reward points. They can shop for any premium products and vouchers from reward catalogs. The achievers with milestone benefits can enjoy up to 70% discounts on flight ticket bookings and hotel reservations. HDFC has already introduced an exclusive Regalia portal for Regalia credit cardholders.

This apart, this credit card has also come up with a few more significant benefits such as air accident death cover up to Rs 1 crore, emergency hospitalization cover up to Rs 15 lakh, credit liability cover of up to Rs 9 lakh, 1% fuel surcharge waiver at the fuel stations throughout the country (The credit cardholders have to make transactions between Rs 400 and Rs 5000) and more. 

B. HDFC MoneyBack Credit Card

According to specialists, the HDFC MoneyBack Credit Card is ideal for beginners in the usage of credit cards. The new users of credit cards, willing to avail of these cards need to have an income of only Rs 13,500 to earn eligibility to obtain these HDFC MoneyBack credit cards.

Key Features & Benefits

The customers willing to start with HDFC MoneyBack credit cards need joining fees of Rs 500 and also the same amount for annual fees. The annual fee of Rs 500 can be relinquished if the credit cardholders spend Rs 50 thousand in the previous years.

These credit cardholders can earn two reward points every time after spending only Rs 150. If the credit cardholders spend the same amount through online shopping they will be able to earn four reward points.

As Rs 20 equals 100 points, the credit cardholders can cash in those reward points for their cash credits.

The credit cardholders can make savings up to Rs 250 in a billing cycle with complete fuel surcharge relaxation.

The credit cardholders can get vouchers of Rs 500 if they can spend Rs 50 thousand within a quarter.

HDFC MoneyBack credit card tenders a few more advantages for its users such as the provision of getting loans on credit cards, provision of getting instant jumbo loans, options to enhance credit limits, and facility of add-on-cards. 

C. HDFC Millennia Credit Card

HDFC Millennia credit card can also be termed one of the Best HDFC Credit Cards as this credit card has been designed in such ways that the cardholders can obtain a wide range of benefits and rewards mostly across travel and cashback categories. The customers who wish to use these cards need to have a minimum monthly income of Rs 25,000 or the respective customers' ITR acknowledgment should be at least Rs 6 lakh per year.

Key features & Benefits:

HDFC Millennia credit card is one of the rare credit cards in the market that offer rewards to the users on traveling and tender access to the airport lounges against the annual fee of only Rs 1000. This annual fee is also turned down if the users of these credit cards use up Rs 1 lakh in the previous year.

Credit cardholders can earn cashback on their every expenditure. They can earn 5% cashback on shopping through PayZapp from Amazon, Flipkart, flight, and hotel reservations, 5% cashback on their online expenditure of more than Rs 2000, and 1% cashback on spending offline and on wallet reloads above Rs 100.

These credit cardholders can get free access to eight domestic airport lounges every year.

The cardholders can get vouchers of Rs 1000 if their expenses reach Rs 1 lakh every quarter in the cards' first year.

These credit card tenders offer discounts on good food trail dining programs.

D. HDFC Titanium Times Credit Card

HDFC Titanium Times credit card is generally popular among those credit card users who prefer lower annual fees and do not feel upset while adjusting with a couple of benefits. The joining and annual fee for this credit card is Rs 500 each. The annual fee can be waived if the cardholders can spend Rs 1.5 lakh in the previous years.

Key Features & Benefits:

HDFC Titanium Times credit card tenders 25% discounts on movie tickets and 15% concessions on dining.

These credit cardholders can obtain vouchers for shopping, dining, and apparel vouchers from branded associates.

HDFC Titanium credit cardholders can earn 2 reward points after spending Rs 150 every time by using the cards.

The credit card offers a waving of 1% fuel convenience charge.

The credit cardholders can get free accidental death coverage up to Rs 50 lakh, but the cardholders have to make four transactions every month. 

E. HDFC Platinum Times Credit Card

HDFC Platinum credit card is also one of the Best HDFC credit Cards mentioned by the country's specialists on credit cards. The key reason behind the opinion is this credit card has been enlisted among the best entertainment credit cards in India.

Key Features & Benefits

HDFC Platinum credit cardholders need to pay Rs 1000 to obtain these credit cards and the annual fees are also Rs 1000 but it can be relaxed if the cardholders spend Rs 2.5 lakh in the previous years.

Key Features & Benefits:

The HDFC Platinum Times credit cardholders can get various welcome benefits such as 18% discounts off medicines plus free consultation from renowned doctors, savings up to Rs 1500 while reserving tickets through EasyMyTrip, Rs 500 concessions through VLCC, up to Rs 2500 discounts on purchasing Ajio gold, and Rs 500 discounts on Zoom cars.

These credit cardholders can get 25% discounts on movie tickets as well as 20% concessions on dining.

These credit cardholders can get 3 reward points for spending Rs 150 via credit cards every time.

HDFC Platinum credit card offers free accidental death coverage up to Rs 50 lakh to the users on at least 4 transactions every month.