Best HDFC Credit Card 2022

List of Best Credit Card HDFC Bank Category wise

Credit Card NameCategoryAnnual Fee (INR)Best Features
INFINIA Credit Card Metal EditionSuper Premium/ Dining/ Lifestyle100025% off at 2000+ premium restaurants, stay for 3-nights and pay for two at participating ITC hotels, 20% discounts for Dining and Stay across Asia
Diners Club Black Credit CardPremium/ Travel/ Lifestyle1000Annual memberships of Club Marriott/ Forbes/ Amazon Prime/ MMT BLACK , Unlimited Airport lounge access, Air accident insurance cover worth Rs 2 crore, Travel Insurance Cover of up to INR 55,000
Regalia Credit CardReward250010,000 Reward Points on Rs. 5 lakhs spends, 12 Complimentary Domestic Lounge Access
Millennia Credit CardShopping10005% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy
Money Back Plus Credit CardCashback50010X Cash Points on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
IndianOil Credit CardFuel5005% cashback on IndianOil. 5% of your spends as Fuel Points on Groceries and Bill Payments
ISIC Student- ForexPlus CardStudentNILMost widely accepted currencies – USD, Euro and GBP, Instantly reload your card from anywhere through Prepaid/ NetBanking, Be protected from skimming and misuse with the EVM chip

7. HDFC Bank (ISIC Student) ForexPlus Card

ISIC Students ForexPlus Credit Cards
ISIC Student ForexPlus Card

No joining and annual fees.

Forex

  • Available in the three most widely accepted currencies – USD, Euro and GBP
  • Get money from ATMs in the desired local currency during travel
  • Once loaded, be worry-free about forex fluctuations in these currencies

Reloading

Instantly reload your card from anywhere across the world through Prepaid NetBanking


Safety

  • Be protected from skimming and misuse with the EVM chip in your card
  • Do not stress about damage, loss or misuse (as with travellers cheque/cash)

Global use

  • Accepted as student identity card world wide
  • Can be used at VISA/MasterCard affiliated establishments around the world

Global assistance

  • In the event of Loss of Card / card not working, get Emergency Cash delivery assistance service across the globe
  • ISIC ForexPlus Card application form
  • Aadhaar Card
  • Appointment Letter / Admission Letter / University Identity Card
  • A photocopy of your passport
  • Scanned passport size photograph with white background
  • Residence Proof (Aadhaar Card/ Passport/ Driving License/Electricity Bill/Telephone Bill)
  • Education Loan Account Statement
  • Fixed Deposit Account Receipt
  • Passport Size Photograph
  • Student ID Card
Schedule of charges Charge for the USD Card Charge on the EURO card Charge on the GBP card
Issuance Fee ₹.300 Rs.300 Rs.300
Reload Fee ₹.75 Rs.75 Rs.75
Re-issue Card Fee ₹.100 Rs.100 Rs.100
ATM Cash Withdrawal USD 2.00 EUR 1.50 GBP 1.00
ATM Cash Withdrawal USD 2.00 EUR 0.50 GBP 0.50

GST is applicable


Other charges

Balance Enquiry USD 0.50
Up to Rs 1 lakh 0.18% of the gross value or Rs 45—whichever is higher
Rs 1 lakh – Rs 10 lakhs Rs 180 + 0.09% of the amount exceeding Rs. 1 lakh
> Rs. 10 lakhs Rs. 990 + 0.018% of the amount exceeding Rs. 10 lakhs

 

6. IndianOil HDFC Credit Card

IndianOil HDFC Credit Card

Joining and Annual fees- ₹500

Reward-Fuel Points

  • 5% off your spends as Fuel Points at IndianOil outlets (Max 250 Fuel Points per month in first 6 months, Max 150 Fuel Points last 6 months)
  • 5% off your spends as Fuel Points on Groceries and Bill Payments (Max 100 Fuel Points per month)
  • 1 Fuel Point for every ₹150 spent on all other purchases
  • (1 Fuel Point = Rs. 0.96)
  • (Fuel Points are valid for a period of 2 years)

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400)

Best Features

  • Earn up to 50 Litres of Free fuel annually

Additional Benifits

  • Complimentary IndianOil XTRAREWARDS  Program (IXRP) membership
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income above ₹10,000 per month
  • Self-employed gross Income ₹6 Lakhs per annum
  • Joining & Renewal Fees – ₹500+ Taxes
  • Spend ₹50,000 or above in the first year and get a waiver on the renewal membership fee

5. HDFC Bank Money Back Plus Credit Card

HDFC Bank Money Back Plus
Money Back Plus Credit Card

Joining and Annual fees- ₹500

Earn Cashback

  • 10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
  • 5X CashPoints on EMI spends at merchant locations
  • 2 CashPoints per ₹150 spent on other spends

Welcome Gift

  • 500 Cash Points (only on payment of membership fee)

Gift Vouchers

  • Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
  • ₹2,000 worth gift vouchers in a year

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations (Minimum transaction of ₹400, Maximum transaction of ₹5,000

Dining benefits

  • Upto 15% off at 2000+ premium restaurants in select cities

Extra Features

  • Reporting it immediately with in 24-hour HDFC  call centre, you have zero liability on any fraudulent transaction
  • 50 days of interest free period
  • You should be between the age of 21 to 70 years
  • Salaried or self-employed both are eligible
  • Salaried person Gross Monthly Income above ₹20,000
  • Self-employed gross Income ₹6.0 Lakhs per annum
  • Joining & Renewal Fees – ₹500+ Taxes
  • Spend ₹50,000 or more in a year, before your Credit Card renewal date, get your renewal fee waived of

4. HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card
Millennia Credit Card

Joining and Annual fees- ₹1000

Earn Cashback

    • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000)
    • 2.5% CashBack on all online spends (minimum transaction size of ₹2000)
    • 1% CashBack on all offline spends and Wallet reloads (minimum transaction size of ₹100)

Welcome Gift

    • 1000 Cash Points (only on payment of membership fee)
    • 1000 worth gift vouchers on spends of ₹1,00,000 and above (quarter,  first year only)

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400

Lounge Access

    • 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access)

Milestone Benefit

    • Spend ₹30000 & above in the first 90 days and get first year waived off memebership fee

Extra Features

  • Reporting it immediately with in 24-hour HDFC  call centre, you have zero liability on any fraudulent transaction
  • 50 days of interest free period
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person Gross Monthly Income above ₹25,000
  • Self-employed gross Income ₹6.0 Lakhs per annum
  • Joining & Renewal Fees – ₹1000+ Applicable Taxes
  • Spend ₹1,00,000  in a year, before your Credit Card renewal date, get your renewal fee waived off

3. HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card
Regalia Credit Card

Joining and Annual fees- ₹2500

Reward points

    • 10,000 Reward Points on Rs. 5 lakhs spends
    • 5,000 Reward Points on Rs. 8 lakhs spends in an anniversary year
    • 4 Reward Points on every Rs.150 spent

Dining Benefit

    • Assured flat 25% off at 2000+ premium restaurants
    • 1+1 on buffet at 200+ restaurants
    • Additional 5% off and Zero convenience fee

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400

Lounge Access

    • 12 Complimentary Domestic Lounge Access per calendar year
    • Swipe your Regalia credit card at the lounge to avail the complimentary lounge access

Milestone Benefit

    • Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
    • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 2% on all your foreign currency spends

Insurance/ protection cover

  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization: up to Rs. 15 lakhs​​​​​​​
  • Lost Card Liability Cover : Upto Rs 9 lakhs
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income above ₹1 Lakhs per month
  • Self-employed gross Income ₹12 Lakhs per annum
  • Joining & Renewal Fees – ₹2500+ Taxes
  • Renewal fee waived off if you spend more than 3L in the previous year

2. HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card
Diners Club Black Credit Card

Joining and Annual fees- ₹10000

Reward points

    • 5 Reward Points for every Rs 150 spent
    • Up to 10X Reward Points via SmartBuy

Welcome Benefit

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime by spending 1.5 lakhs within the first 90 days or upon first year

Dining Benefit

    • 2X on weekend dining

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India

Lounge Access

    • Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members

Milestone Benefit

    • 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 1.99% on all your foreign currency spends
  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime

  • Complimentary Ola cabs, cult.fit Live, BookMyShow, TataCliQ vouchers on spends of over Rs. 80,000 every month

Insurance/ protection cover

  • Air accident insurance cover worth Rs 2 crore
  • Emergency overseas hospitalisation: Rs. 50 Lacs
  • Travel Insurance Cover of up to INR 55,000 on baggage delay
  • Credit Liability Cover of up to ₹9 Lakh
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income ₹1.75 Lakhs per month
  • Self-employed gross Income ₹21 Lakhs per annum
  • Joining & Renewal Fees – ₹10,000
  • Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year

1. HDFC Bank INFINIA Credit Card Metal Edition

INFINIA Credit Card Metal Edition
INFINIA Credit Card Metal Edition

Joining and Annual fees- ₹1000

Good Food Trail Program

    • Assured flat 25% off at 2000+ premium restaurants
    • 1+1 on buffet at 200+ restaurants
    • 1+1 on Food / Drinks on select restaurants
    • Zero convenience fee
    • Early access to events and festivals such as GIRF

Welcome Benefit

  • Get welcome benefit of 12,500 reward points upon fee realisation and card activation
  • Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region

Dining Benefit

    • Book stay for 3-nights and pay for two at participating ITC hotels
    • 1+1 complimentary weekend buffet at participating ITC hotels

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India

Lounge Access

    • Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.
    • Benefit also available for add on Priority Pass holders

Concierge

    • Golf Booking
    • Itinerary planning and reservation assistance
    • Private dining assistance
    • International gift delivery
    • Event planning and referrals
    • Airport VIP service

Extra Features

  • Complimentary Club Marriott membership for first year that offers up to 20% discounts for Dining and stay across Asia – Pacific region
  • Renewal benefit 12,500 Reward Points upon fee realisation and card activation
  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 2% on all your foreign currency spends
  • 50 days of interest free period
  • Membership for the HDFC Bank Infinia Credit Card is By Invite Only
  • Joining & Renewal Fees – ₹12,000 + Applicable Taxes
  • Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year

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