I have reviewed credit cards from all banks and prepared a list of the best credit cards in India.
If you are a fan of HDFC bank only, then I have curated a list of the 5 best credit cards from HDFC for you.
- HDFC MoneyBack Credit Card
- HDFC Solitaire Credit Card
- InterMiles HDFC Signature Credit Card
- HDFC Regalia Credit Card
- HDFC Diner Club Premium Credit Card
In the above list, the HDFC Diner Club Premium credit card is my favorite. Diners Club Premium credit card is a premium card offered by HDFC bank at a nominal fee. You can enjoy premium benefits without burning a hole in your pocket. You can also get an annual fee waiver on HDFC Diner Club Premium.
Let’s have a look at the top 5 best credit cards from HDFC without wasting time.
Best HDFC Bank Credit Card Review
#1. HDFC MoneyBack Credit Card Review
MoneyBack is a basic credit card offered by HDFC bank for newcomers. You can earn 2 reward points per Rs 150 spent. On online spending, you will get 6 reward points per Rs 150.
HDFC Bank offers the MoneyBack credit card as the first credit card to its account holders. If you want to apply for a credit card first time, then you should apply for the MoneyBack credit card. You would get easy approval from the bank.
Fee & Charges
Annual fee – Rs 500 ( Spend Rs 50,000 in a year to get next year annual fee waiver)
Reward Points & Other Benefits with MoneyBack Credit Card
- 6 Reward points per Rs 150 online spend.
- 2 Reward Points for every Rs 150 other spend.
- Get Rs. 500 worth eVoucher on spending Rs. 50,000 in a quarter.
- 1% fuel surcharge waived off on fuel transactions on minimum transaction of Rs 400.
The redemption value of 100 reward points is Rs 20. You need at least 2500 reward points to redeem.
Other important terms to know about MoneyBack card-
- e-wallet and EasyEMI loading transactions will not fetch you reward points.
- If any retail transaction is converted into SmartEMI, accrued reward points will be reversed.
- Cap of 2000 on reward points for every insurance transaction.
The next card is a level-up credit card than the HDFC MoneyBack crafted for women customers.
#2. HDFC Solitaire credit card review
Solitaire credit card is exclusively designed for women customers. HDFC Solitaire card comes with shopping benefits.
My wife applied for the solitaire card and got approved easily with a credit limit of 2,50,000.
She bought her MacBook using this credit card and spent more than 1,00,000 rupees within a few months. HDFC bank sent us shopping vouchers of Rs. 1000 after 6 months. We loved the bonus vouchers along with regular reward points.
HDFC solitaire card comes with a zero liability on loss, which means you are safeguarded against the misuse of the credit card in case of loss. Make sure that you inform the bank within 24 hours of the fraudulent transaction.
Reward points and Benefits
- Get 3 reward points per Rs. 150 you spend through your solitaire credit card.
- Get 4.5 reward points per Rs. 150 by spending on dining and grocery.
- Shoppers stop gift voucher worth Rs. 1,000 on spending Rs.75,000 every 6 months (2 vouchers every year).
- 1% fuel surcharge waiver.
The redemption value of reward points – 100 reward points = Rs 20.
You can redeem against the outstanding amount on your credit card.
Fee and charges
Annual Fee – Rs 500
Annual Fee waiver
- Spend Rs.10,000 within the 90 days of the card setup date and get the first-year annual fee waived off.
- Spend Rs. 50,000 in a year and get the annual fee waiver for the next year.
#3. InterMiles HDFC Bank Signature Credit Card Review
InterMiles HDFC Bank’s signature credit card was a co-sponsored credit card with InterMiles (previously JetPrivilege). Every credit card holder used to earn Airmiles a.k.a. Intermiles for free flight booking.
Welcome Benefits
You get 8,000 Bonus InterMiles as welcome benefits from Intermiles.
- 3,000 InterMiles onspending Rs. 6,000 within 30 days of card approval.
- 5,000 InterMiles on spending Rs. 90,000 and above, within 90 days of card approval.
You can also avail of a discount voucher worth Rs.750 on return flights booked & Rs. 2000 Hotel Discount vouchers on booking through Intermiles.com for first year.
On renewal, you get 3,000 InterMiles upon the first swipe on your Card after renewal and also get discount vouchers worth Rs.750 for flight booking & Rs. 2000 for hotel booking.
Fee & Charges
Annual Fee – Rs 2500 ( you can get next year annual fee waiver on spending Rs 3,00,000 in a year)
Reward points & Other Benefits
- Earn 12 InterMiles on every Rs 150 spent on every flight ticket booked on Intermiles.com.
- Earn 6 InterMiles on every Rs. 150 spent on all other retail expenses.
- 5% discount on Etihad Airways Economy ticket bookings on Intermiles.com.
- 10% discount on Etihad Airways Business ticket bookings on Intermiles.com.
- Earn 2.5X bonus InterMiles for Etihad Airways tickets booking on Intermiles.com
- 5 Complimentary free visits to the international lounges every year.
- 4 complimentary visits per quarter at domestic lounges.
You can also avail up to 3 Add-on Cards for your family members.
#4. HDFC Regalia Credit Card Review
HDFC Regalia credit card was a premium card but HDFC has reduced its benefits. Still, it’s a valuable card with many benefits.
HDFC launched Regalia comes as a personal and business credit card. There is no difference in the benefits but different documents are required for each one’s application.
Fee & Charges
- First Year – INR 2500
- Renewal Fee – INR 2500
- Foreign Currency Markup – 2%
Least foreign currency markup as compared to other credit cards except Yes Bank preferred credit card
Annual Fee waiver
- Spend INR 40,000 in the first 90 days of the card set up and get your first-year annual fee waiver.
- Spend a total of 3 lakhs in a year and get next year’s annual fee waiver.
In simple words, spend every year 3 lakh with your HDFC Regalia Credit card & get benefits free of cost.
Reward Points & Other Offer
You can earn 4 reward points on every spent of Rs 150.
- Get 15% or more discount on dining at the premium restaurant across India.
- 1 crore air accident insurance in case of death due to flight accident.
- INR 15 lakhs on medical emergencies while traveling overseas.
- 1% fuel surcharge waiver.
Complimentary Lounge access With Your HDFC Regalia Credit Card
You will get 6 complimentary lounge access outside India within one year. Add on cardholders can also enjoy the complimentary lounge access. The Primary Cardholder and the add-on can jointly have 6 free access to the Priority Pass lounges every year.
You shouldn’t use Priority Pass for domestic lounge access, you have to pay a visit charge of $27.
Domestic lounges have a partnership with Visa/Mastercard to offer complimentary access. You can use your Regalia card and get 12 complimentary access per year within India.
Redeem HDFC Regalia Reward Points
You first need to convert them into Regalia vouchers and then redeem them on Regalia’s website. Regalia’s reward points come with limitations. You can redeem the reward points only on Hdfcregalia.com.
But the good thing is that Hdfcregalia.com has lots of things for your day-to-day needs like Mobile/DTH recharges, Hotel/Flight/movie Bookings.
Should You Go For HDFC Regalia Credit Card
The HDFC Regalia card comes with an annual fee of Rs. 2500 that can be waived off, only if you spend 3 lakh in a year ( Avg Rs. 25,000 per month). Make a quick calculation of your credit card expenditures.
If your total annual spending is less than 3 lakh, then your real savings will be up to 0.80% (very less). You should go for another card & vice versa.
#5. HDFC Diners Club Premium Credit Card Review
Fee & Charges
- First Year Fee – Rs 2500 + taxes
- Renewal Fee – Rs 2500+ taxes
- Foreign Currency Markup – 2%
Foreign currency markup is lowest as compared to other credit cards which charge 3.5%.
Make HDFC Diners Club Premium Credit Card Free of Cost
Spend 3 lakh every year and get next year’s renewal fee waiver & make your premium card having no annual fee.
Welcome Gift
The welcome gift is one common thing in all travel credit cards. Most of the cards offer a huge welcome in the first year but either no or reduced welcome gift from the second year.
But HDFC Diners Club Premium credit card gives every year a welcome gift of 2500 reward points.
HDFC Bank Reward Points Redemption
- Earn 4 reward points for every Rs 150 retail spend (except fuel).
- 5% CashBack on Diners Club on online spending like Flipkart, OYO via SmartBuy
HDFC Diners Club Premium credit card provides flexible redemption options. You can redeem reward points for booking air tickets & hotels at hdfcdinersclub.com or redeem for air miles across Air India and Singapore Airlines.
The redemption value of reward points is 1 RP = Rs 0.50 at SmartBuy and in case for air miles , 1RP = 0.50 miles.
Lesser-Known Benefits of HDFC Diners Club Premium Credit Card
- Provide air accident cover of INR 1 crore.
- Emergency medical expense covers up to INR 25 lakhs.
- Credit Liability covers up to INR 9 lakhs.
- Travel insurance covers up to INR 50,000 on baggage delay or loss.
- Get an access to complimentary golf lesson at selected golf courses in India.
- Enjoy 6 Complimentary lounge access to worldwide and unlimited lounge access to domestic airports.
Should You Apply For HDFC Diners Premium Credit Card
This credit card is meant for people having annual spending between 3 lakh to 5 lakh.
If you also belong to this category, then I suggest you, either apply for the HDFC Diners Premium credit card or Amex Platinum Travel Credit Card. Both cards will prove beneficial to you.
On one side HDFC Diners Premium credit card offers an annual fee waiver and on the other side Amex Platinum Travel Credit Card offers additional gift vouchers.
Check out – Slice credit card review
Conclusion
If you are a beginner and want to apply for your first credit card, then go with HDFC Moneyback credit card because of its easy approval and Rs. 500 voucher on spending Rs. 50,000 per quarter.
Otherwise, go with the HDFC Regalia credit card if your annual spending is Rs. 3 lakh, you’ll get free 6 international airport lounge access, a low foreign mark-up fee of 2%, and a high reward points redemption value of 4 reward points per Rs. 100 spent.
HDFC customer care team very fake
Can you share your experience in detail?
Well Sir,
I am an Imperia is customer of HDFC bank for the past many years…Mt CIBIL rating as on jan 2018 is 879 and Experian rating is 884…My average 8 year credit card Experian rating for the past 8 years has been labelled as Excellent(882 to be precise)…These people at HDFC bank have always taken customers like us for a ride(ghar ki murgi dal barabar ;-(( imhave seen that for the past 3 years they have degraded/devalued this Regalia card substantially )It seems that that have started issuing this card to every 2/3 people who apply for this card…Recently at the Delhi T 1-D airport i was barred from entering the Lounge stating that i am not eligible to have access to the same…i tried to sort this out with the hdfc guys via telephone..but of no avail( all sort of ridiculous excuses)…you know the funniest thing about these cheeky fellows is that according to them i am not eligible for an credit card upgrade to Infinia card..but they are trying their level best to peddle their ulip policies/insurance policies and say that i need to shell out only rs.50,000/- per month as insurance premium(adding spices the my emotional injury/wound)…
They wouldn’t resolve dispute on time. They will play games of taking the disputed amount out of your outstanding balance and then add it back in your next statement. If you notice and ask why did you put it back, Customer service agent will tell you deduct the amount and pay for the rest. In next statement you will see finance changes put on top of that outstanding amount and you will be asked to pay not only disputed amount but also finance charges which would be steep. Pl don’t apply for this card.
Most of people don’t pay credit card charges on time and then ask for the waiver.
Banks check your history and payment records. If you are doing mistake for the first time then they may refund the charges.
I would not say that a bank is at fault if the customer is not paying by time.
Sir, While discussion with customer care service employee assured me this regalia credit card is free for me on offer inplace of my old card Allmiles. It is absolutly free for lifetime is it true ? let me know please
Yes, if they upgrade your card with existing free card.. then You will get Regalia for lifetime free.
No card is free you will get fee in bill on someday, smartPay etc etc are like official fishing
I have very worst experience with HDFC Bank Credit Card. They have issued me the Credit Card. Without any communication they have done my Electricity bill payment through credit card . I don’t known how..?.My credit card is still in envelope I have not opened it neither used but they rudely say that I have to pay the sum of INR 2398.83 Rs. HDFC is very bad I will suggest to everyone that not to take any credit card from them. Not providing good service.
!! HDFC BANK CREDIT CARDS ARE FAKE DON’T USE IT.IF YOU ARE USING YOU ARE INVITING HEAVY BILL AMOUNTS WITH INTEREST AT YOUR DOOR STEP !! BE ALERT
Similar experience, chillar log hai chindi log hai HDFC credit card wale, don’t ever take HDFC credit card, they will eat your hard earned money like termites eat wood
Well Sir,
I am an Imperia is customer of HDFC bank for the past many years…Mt CIBIL rating as on jan 2018 is 879 and Experian rating is 884…My average 8 year credit card Experian rating for the past 8 years has been labelled as Excellent(882 to be precise)…These people at HDFC bank have always taken customers like us for a ride(ghar ki murgi dal barabar ;-(( i have seen that for the past 3 years they have degraded/devalued this Regalia card substantially )It seems that that have started issuing this card to every 2/3 people who apply for this card…Recently at the Delhi T 1-D airport i was barred from entering the Lounge stating that i am not eligible to have access to the same…i tried to sort this out with the hdfc guys via telephone..but of no avail( all sort of ridiculous excuses)…you know the funniest thing about these cheeky fellows is that according to them i am not eligible for an credit card upgrade to Infinia card..but they are trying their level best to peddle their ulip policies/insurance policies and say that i need to shell out only rs.50,000/- per month as insurance premium(adding spices the my emotional injur
Wrost credit card process i have hdfc credit card bank dnt have emi.option nothing worst hdfc crdit card
So let’s start. This is my personal experience and I would suggest a peace loving customers to stay away. I am a very old customer of this bank even I had premium saving account as well well current account. I m also holding a credit card of this bank. Few months back I missed one bill to pay in time and fro that time I used they started charging me 10 different types of fine . This bank is not less than a leech.
hdfc card one of worst
very good post. thanx.
HDFC credit card is disgusting card I ever had, because they never disclose some schemes like SmartPay which they link to put a condition on making card life time free, but sales person says it is free. In first month you won’t get fee in bill like American Express, bit one fine day you will see card fee I your bill. You feel salesmen and people who hide things like parasites living on your hard earned money when you close card by paying fee. They say it was in terms and conditions which salesmen say not applicable for SPECIAL you.
Worst card,worst service.i have lost INR11,018 due to the error in payment.if we call up the customer care and inform abt this means they don’t have any idea how to resolve this.still it has not yet resolved instead of that they have scheduled the emi amount and sent,don’t hv any higher authorities to complain abt this or to resolve the issue.v r paying bill like dumb.worst service plz never ever go for this card.
I am a classic savings account holder in HDFC since last 6 months.They are offering me a Diners club Miles card for lifetime free, which I can see in my netbanking login also. But it sounds too good to be true, also the T&C page is not opening. Is it true or there will be hidden charges included.
Also can I pay my loan EMIs from credit card?
Thanks
Friends don’t take any HDFC credit card(any type of) because they creates falls billing, extra charges, taxes, and whey you want to know about billing or your extra payment reversal they adjusts in falls charges. Because I also being cheated by HDFC Bank Ltd. HDFC BANK KA CHOR Credit Card department se kuchh lena mat Pachhtaba hoga !!
Jan HIT mai Jari…..
I have very bad experience with HDFC Credit card. They have charged 1600 without my knowledge and telling that its for insurance. I didnt receive any insurance policy docs. Very bad experience.
Hi
I have a Jet Diners Credit Card (limit 7L) and my credit card payment history is excellent (I never delayed my CC dues payment beyond due date). I recently asked them to convert the card in to Diners Black, which they refused, with some funny logic. Not understood why. I have my Corporate Salary A/c with them for last 19 years and my last ITR was for 41L.
What do you think may be the reason and what to do. I want to target 10X rewards on this card, else I am very happy with my Yes Bank Exclusive and SCB Ultimate.
I had a credit card (freedom) , i had received a card in the month of October and by the December , I had to block my card cause the STATEMENTS from the card reflected a false Finance charges and also Late pay charges . Only motive of this department is Squeeze extra money from its customers under false charges and if you enquire they will say “just a moment i will transfer” and it a long wait till you drop the call . Very pathetic and bad experience . I literally had to worry jus to close my account with this bank . I will suggest anyone reading this to close the credit line with this Bank as quick as possible . Also they never tell you the right amount the app never works and other bank dun associate with this FRAUDSTER bank .
HDFC is very aggressive with offers and partner tie-ups. That alone is a good enough reason to have a great HDFC credit card or debit card in your wallet.
Coupled with Smartbuy 10X ongoing offer and a fairly reasonable lounge access limit, HDFC Regalia card is a no-brainer if you can get it Life Time Free.
In the apropos, I am using HDFC card since long and now with Regalia. Billing and other operational concern I didn’t find/experience any odds so far; except, generation of summary and sending to registered mail ID is most irregular. Hope, HDFC may resolve generating of monthly e-statements and providing the same to registered mail ID without any deviation.
Expecting this timely action by customer care wing in resolving at the earliest.
Personally, I never faced this issue. I would suggest you contact HDFC credit card support and explain your concern.
Which is the best cards..?? HDFC Regalia First vs HDFC Millennia Credit card
If you shop on Amazon, BookMyShow, Flipkart, Myntra then Millennia is better.