HDFC Bank is known for its diverse range of credit cards catering to different financial needs and lifestyles. Whether you’re a frequent traveler, a shopaholic, or someone who values exclusive privileges, HDFC Bank has a credit card designed for you.

In this article, we will explore the best credit cards of HDFC Bank in 2024, comparing their features, benefits, and suitability to help you choose the right one.

HDFC Regalia Credit Card

The HDFC Regalia Credit Card is one of the most popular premium cards offered by HDFC Bank. It’s an ideal choice for individuals seeking a balance of luxury and value.

Key Features:

• Annual Fee: ₹2,500 + GST (waived on spending ₹3 lakhs annually)
• Welcome Benefit: 2,500 reward points on activation
• Reward Points: 4 reward points for every ₹150 spent
• Travel Benefits: Complimentary airport lounge access, travel insurance up to ₹1 crore
• Dining Privileges: Up to 15% discount at partner restaurants
• Foreign Currency Markup: 2% on international transactions

Pros:

• Extensive travel benefits
• Moderate annual fee with an easy waiver condition
• Good reward points accumulation

Cons:

• Limited to 6 international lounge visits annually

HDFC Infinia Credit Card

The HDFC Infinia Credit Card is the epitome of luxury. It offers exclusive privileges and unlimited benefits, making it ideal for high-net-worth individuals.

Key Features:

• Annual Fee: ₹12,500 + GST (waived on spending ₹10 lakhs annually)
• Welcome Benefit: 12,500 reward points on activation
• Reward Points: 5 reward points for every ₹150 spent
• Travel Benefits: Unlimited complimentary airport lounge access, travel insurance up to ₹3 crores
• Dining Privileges: Up to 15% discount at premium restaurants globally
• Foreign Currency Markup: 2% on international transactions

Pros:

• Unlimited lounge access worldwide
• High reward points and easy redemption options
• Comprehensive insurance cover

Cons:

• High annual fee (though waived on significant spending)

HDFC Diners Club Credit Card

The HDFC Diners Club Credit Card is customized for those who seek global privileges and exclusive experiences. It’s particularly beneficial for frequent international travelers.

Key Features:

• Annual Fee: ₹5,000 + GST (waived on spending ₹5 lakhs annually)
• Welcome Benefit: 2,500 reward points on activation
• Reward Points: 10 reward points for every ₹150 spent
• Travel Benefits: Unlimited complimentary airport lounge access globally, travel insurance up to ₹2 crores
• Dining Privileges: Up to 15% discount at premium restaurants globally
• Foreign Currency Markup: 2% on international transactions

Pros:

• High reward rate
• Extensive global privileges
• Strong travel benefits

Cons:

• Limited acceptance in some countries

HDFC Millennia Credit Card

The HDFC Millennia Credit Card is designed for millennials who love to shop online. It offers cashback on online spends and rewards across various categories.

Key Features:

• Annual Fee: ₹1,000 + GST (waived on spending ₹1 lakh annually)
• Welcome Benefit: 1,000 reward points on activation
• Cashback: 5% on Amazon, Flipkart, Myntra, and other major online merchants
• Reward Points: 2 reward points for every ₹150 spent offline
• Other Benefits: Complimentary airport lounge access (8 visits annually)
• Foreign Currency Markup: 3.5% on international transactions

Pros:

• Excellent cashback on online spends
• Low annual fee with easy waiver condition
• Complimentary lounge access

Cons:

• High foreign currency markup fee

HDFC MoneyBack Plus Credit Card

The HDFC MoneyBack Plus Credit Card is an excellent choice for those who want to earn cashback on every transaction. It offers value back in the form of cashback and reward points.

Key Features:

• Annual Fee: ₹500 + GST (waived on spending ₹50,000 annually)
• Welcome Benefit: 500 reward points on activation
• Cashback: 2% cashback on online spends, 1% on all other spends
• Reward Points: 2 reward points for every ₹150 spent
• Other Benefits: Fuel surcharge waiver of 1% (₹250/month max)
• Foreign Currency Markup: 3.5% on international transactions

Pros:

• Low annual fee with a straightforward waiver
• Consistent cashback on all spends
• Good for everyday use

Cons:

• High foreign currency markup fee
• Limited premium benefits

HDFC Diners ClubMiles Credit Card

The HDFC Diners ClubMiles Credit Card is designed for travelers who want to earn air miles and enjoy travel-related benefits. It’s a more affordable alternative to the Diners Club Black Card.

Key Features:

• Annual Fee: ₹1,000 + GST (waived on spending ₹1 lakh annually)
• Welcome Benefit: 1,000 reward points on activation
• Reward Points: 4 reward points for every ₹150 spent
• Travel Benefits: Complimentary airport lounge access (8 visits annually)
• Dining Privileges: Up to 10% discount at partner restaurants
• Foreign Currency Markup: 3.5% on international transactions

Pros:

• Affordable annual fee
• Good rewards on air miles
• Decent lounge access benefits

Cons:

• High foreign currency markup fee
• Limited dining and lifestyle benefits

Comparison Table: HDFC Regalia, Infinia, Diners Club, Millennia, MoneyBack Plus, and Diners ClubMiles Credit Cards

To help you make an informed decision, here’s a comparison table summarizing the key features of these top HDFC Bank credit cards:

Feature	HDFC Regalia	HDFC Infinia	HDFC Diners Club	HDFC Millennia	HDFC MoneyBack Plus	HDFC Diners ClubMiles
Annual Fee	₹2,500 + GST	₹12,500 + GST	₹5,000 + GST	₹1,000 + GST	₹500 + GST	₹1,000 + GST
Welcome Bonus	2,500 reward points	12,500 reward points	2,500 reward points	1,000 reward points	500 reward points	1,000 reward points
Reward Points	4 points/₹150 spent	5 points/₹150 spent	10 points/₹150 spent	2 points/₹150 spent	2 points/₹150 spent	4 points/₹150 spent
Cashback	N/A	N/A	N/A	5% on select online spends	2% online, 1% others	N/A
Lounge Access	12 domestic & 6 intl/year	Unlimited globally	Unlimited globally	8 visits annually	N/A	8 visits annually
Foreign Currency Markup	2%	2%	2%	3.5%	3.5%	3.5%
Dining Privileges	Up to 15% discount	Up to 15% discount globally	Up to 15% discount globally	Up to 10% discount	N/A	Up to 10% discount
Travel Insurance	Coverage up to ₹1 crore	Coverage up to ₹3 crores	Coverage up to ₹2 crores	N/A	N/A	N/A
Eligibility	Income of ₹12 lakhs/year	Income of ₹36 lakhs/year	Income of ₹21 lakhs/year	Income of ₹6 lakhs/year	Income of ₹3 lakhs/year	Income of ₹6 lakhs/year

Which HDFC Credit Card is Best for You?

Choosing the best HDFC credit card depends on your spending habits, lifestyle, and financial goals. Here’s a quick guide to help you decide:

• HDFC Regalia Credit Card: Ideal for frequent travelers and those who want a mix of reward points, travel perks, and dining discounts without paying a high annual fee.
• HDFC Infinia Credit Card: Best for high-net-worth individuals who travel frequently and desire luxury, exclusivity, and comprehensive benefits.
• HDFC Diners Club Credit Card: Suited for individuals who value global privileges, high reward points, and travel benefits, particularly those who often travel internationally.
• HDFC Millennia Credit Card: Perfect for millennials and online shoppers who want cashback on their online spends and enjoy occasional travel perks.
• HDFC MoneyBack Plus Credit Card: Great for everyday users who prefer a low-cost card with consistent cashback on all transactions.
• HDFC Diners ClubMiles Credit Card: Suitable for frequent travelers who want to earn air miles and enjoy affordable travel benefits.

Our Thoughts

HDFC Bank offers a variety of credit cards catering to different needs and preferences. Whether you’re looking for luxury, travel perks, cashback, or just a basic card with no frills, there’s a suitable option for you in 2024.

By comparing the features, benefits, and costs of each card, you can find the one that best fits your financial goals and lifestyle.

Remember, the key to maximizing your credit card benefits is understanding your spending habits and choosing a card that aligns with them. Happy card hunting!