Summary
Top 5 HDFC Credit Cards Bank offers a range of credit cards, each designed for a particular purpose, like cashback, rewards, travel rewards, and lifestyle privileges. Choosing the most suitable credit card enables one to gain maximum benefits, earn reward points, and enjoy exclusive benefits.
The HDFC Bank Millennia Credit Card is for working professionals and online shoppers, providing cashback of 5% on Amazon, Flipkart, Swiggy, and Zomato. The card has an airport lounge visit and an EMI conversion facility. The HDFC Bank Regalia Credit Card is a travel and lifestyle card with premium features and benefits such as airport lounge visit, travel insurance, and dining privileges and is therefore best for people who travel frequently.
For regular users on Tata platforms, the Tata Neu Infinity HDFC Bank Credit Card provides 5% NeuCoins on Tata brand transactions and airport lounge visits, along with a minimal 1.5% forex fee. The Marriott Bonvoy HDFC Bank Credit Card is ideal for high-end travelers, with Marriott Bonvoy points, complimentary night stays, and elite status rewards.
Introduction
Among India’s top banks, Top 5 HDFC Credit Cards Bank provides credit cards to meet a variety of demands. Among the credit cards HDFC Bank offers, cashback, rewards, travel incentives, and lifestyle advantages abound to meet your situation. By picking the appropriate credit card, you can earn points, save money, and take advantage of special benefits.
Among the conveniences of Top 5 HDFC Credit Cards are reward points, lounge access, fuel surcharge waivers, and dining and shopping discounts. While some cards are designed for frequent travelers and provide free access to airport lounges and travel insurance, others offer outstanding returns on normal expenditures. The bank also provides extravagant benefit premium cards for high-net-worth individuals.
This page will go over the top five Top 5 HDFC Credit Cards credit cards and their salient features. These cards were chosen because of their extensive use, advantages, and overall worth to consumers. Regardless of whether you are a regular traveler, a salaried worker, or a shopper, HDFC has a card that will work for you. Let’s review their features to help you decide which of these best HDFC credit cards would be most suited for you.
Top 5 HDFC Credit Card Features
HDFC Bank Millennia Credit Card
The HDFC Bank Millennia Credit Card is for young professionals and online shoppers who enjoy rewards and cashback. It provides 5% cashback on trendy brands such as Amazon, Flipkart, Swiggy, and Zomato and 1% cashback on all other purchases. The card also offers airport lounge access, fuel surcharge waiver, and convenient EMI options. With its fashionable look and catchy promotions, the Millennia Credit Card is ideal for individuals who need to get the most out of their savings on daily spending.
| Features | Detail |
| Joining Fee | ₹1,000 + GST |
| Cashback Benefit | 5% cashback on Amazon, Flipkart, Swiggy, Zomato & other partner brands, 1% for other spends |
| Welcome Benefit | ₹1,000 worth of gift vouchers on spending ₹1 lakh in the initial 90 days |
| Airport Lounge Access | 4 complimentary domestic airport lounge access for 4 years |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on spends of ₹400 to ₹5,000 |
| EMI Conversion | Facility to convert spends above ₹2,500 to EMIs |
| Contactless Payment | Tap & pay facility for ₹5,000 spends without PIN |
| Annual Fee | ₹1,000 (reversed for ₹1 lakh spent in a year) |
| Reward Redemption | Reward Redemption Cashback in the form of CashPoints, which can be redeemed once ₹500 is earned |
| Interest-Free – Period | Interest-free credit of 50 days |
| Lost Card Liabality | Lost Card Liability No liability on unauthorized transactions if loss is notified |
HDFC Bank Regalia Credit Card
The HDFC Bank Regalia Credit Card is a high-end credit card suitable for frequent travelers and lifestyle seekers. It offers free airport lounge access, reward points on every spend, and travel insurance benefits. Card members enjoy exclusive offers on dining, hotel reservations, and flight tickets. With its high reward rate, minimal forex markup, and luxury benefits, the Regalia Credit Card is ideal for customers seeking travel and lifestyle rewards in one package.
| Features | Detail |
| Joining Fee | ₹2,500 + GST |
| Reward Point | 4 reward points for each ₹150 spent on retail transactions |
| Travel Benefit | Free travel concierge services and reduced rate flight/hotel bookings |
| Airport Lounge Access | 12 domestic & 6 international lounge visits for free per year |
| Fuel Surcharge Waiver | Waiver of 1% on fuel transactions between ₹400 to ₹5,000 |
| EMI Conversion | Facility to convert spends above ₹2,500 to EMIs |
| Contactless Payment | Contactless Payments Tap & pay facility for payments up to ₹5,000 without a PIN |
| Annual Fee | ₹2,500 (waived on spends of ₹3 lakh in a year) |
| Reward Redemption | Reward Redemption Redeem points for flights, hotels, and luxury gifts |
| Dining Privillage | 20% discount at partner dining restaurants through Dineout Passport |
| Foreign Currency Markup | Minimum forex markup of 2% on international spends |
Tata Neu Infinity HDFC Bank Credit Card
The Tata Neu Infinity HDFC Bank Credit Card is a premium co-branded credit card for frequent users who shop frequently on the Tata Neu platform. It rewards 5% NeuCoins for Tata brand spending, including BigBasket, Croma, Tata 1mg, and Tata Cliq, and 1.5% NeuCoins for other spending. The card also offers benefits of airport lounge visits, forex markup minimum, and Tata brand exclusive deals. With amazing benefits and travel rewards, this card is ideal for Tata brand fans.
| Features | Detail |
| Joining Fee | ₹1,499 + GST |
| Reward Point | 5% NeuCoins on Tata brand transactions (Croma, BigBasket, Tata 1mg, etc.), 1.5% NeuCoins on all other transactions |
| Welcome Benefit | 1,499 NeuCoins on card activation |
| Airport Lounge Access | 8 domestic & 4 international lounge access per year |
| Fuel Surcharge Waiver | 1% surcharge waiver on fuel transactions of ₹400 to ₹5,000 |
| Insurance Protection | ₹1 crore air accident cover and travel insurance protection |
| Contactless Payment | Tap & pay facility up to ₹5,000 without PIN |
| Annual Fee | ₹1,499 ( waived off on spends of ₹3 lakh per annum) |
| Reward Redemption | Use NeuCoins for shopping, travel, and other Tata benefits |
| Dining Privillage | Discounts at partner restaurants under HDFC Bank’s Good Food Trail program |
| Foreign Currency Markup | Low 1.5% markup on foreign spend |
Marriott Bonvoy HDFC Bank Credit Card
Marriott Bonvoy HDFC Bank Credit Card is India’s first co-branded luxury stay lovers and experience better seekers’ hotel credit card. The card features a luxurious Marriott Bonvoy reward, free hotel stays, airport lounge access, and more points on Marriott hotel bookings. Joining the privileges of minimum forex markup and elite status rewards, the card is most appropriate for regular travelers and Marriott Bonvoy members who need to earn maximum hotel rewards.
| Features | Detail |
| Joining Fee | ₹3,000 (plus tax) |
| Reward Point | 8 Marriott Bonvoy points for each ₹150 spent at Marriott hotels, 2 points for each ₹150 on other expenses |
| Welcome Benefit | 10,000 Marriott Bonvoy points at card activationFree Night Stay One free annual Free Night Award (up to a value of 15,000 points) |
| Airport Lounge Access | 12 free domestic lounge visits annually |
| Elite Status | Automatic Silver Elite Status with Marriott Bonvoy |
| Insurance Protection | Travel insurance and air accident cover up to ₹1 crore |
| Contactless Payment | Tap & pay facility up to ₹5,000 without PIN |
| Annual Fee | ₹3,000 (plus tax) |
| Reward Redemption | Earn your points back for accommodation nights, room upgrades, and travel experiences.s |
| Dining Privillage | Special rates on dining and hotel nights at Marriott hotels |
| Foreign Currency Markup | Minimum forex markup of 2% on foreign exchange transactions |
HDFC Bank Diners Club Black Metal Edition Credit Card
The HDFC Bank Diners Club Black Metal Edition Credit Card is a high-end lifestyle and travel credit card for individuals with high net worth. The card provides unlimited lounge access at airports, luxurious travel privileges, increased reward points, and free memberships at luxury brands. The card is best for those who have an elite experience aspiration and unparalleled privileges globally through its metal finish, exclusive dining privileges, and low forex markup.
| Features | Detail |
| Joining Fee | ₹10,000 (inclusive of taxes) |
| Reward Point | Earn 5 reward points on every ₹150 spent on retail transactions. |
| Luxury Travel Benefits | FREE membership of Myles Zero for car bookings and priority travel offers |
| Airport Lounge Access | UNLIMITED FREE domestic & international lounge access |
| Premium Memberships | FREE membership to Amazon Prime, Club Marriott, Forbes, and MMT Black |
| Insurance Protection | Insurance Cover Air accident insurance cover of ₹2 crore with travel insurance |
| Contactless Payment | Tap & pay for transactions of up to ₹5,000 without a PIN |
| Annual Fee | ₹10,000 (inclusive of taxes) – waived on yearly spends of ₹8 lakh |
| Milestone Benefit | Up to 50,000 reward points on yearly spends of ₹8 lakh |
| Dining Privillage | Dining Privileges Special offers at upscale restaurants via Diners Club Privileges |
| Foreign Currency Markup | Forex Markup Low forex markup of just 1.5% on international transactions |
Conclusion
Top 5 HDFC Credit Cards Bank offers various credit cards according to different requirements, be it as a global traveler, luxury spender, or reward and cashback enthusiast. Each card offers special features that help the customer make it easy for themselves to choose one according to their lifestyle.
The HDFC Millennia Credit Card is suited for online shopping and young executives with high cashback on the likes of Amazon, Flipkart, and Zomato. As a travel and lifestyle card, the HDFC Regalia Credit Card comes with lounge passes, travel, and special dining benefits.
For regular customers on Tata-owned portals, the Tata Neu Infinity HDFC Bank Credit Card is an excellent value card with exciting NeuCoins on Tata platform spends. Similarly, the Marriott Bonvoy HDFC Bank Credit Card is ideal for regular flyers who are loyal to Marriott hotels, offering special reward points, complimentary nights, and elite status rewards.
Conversely, if you would like to indulge in a super-premium lifestyle, the HDFC Bank Diners Club Black Metal Edition Credit Card takes it to a level of unlimited lounge access in airports, high-end travel privileges, and elite membership in Amazon Prime and Club Marriott.
Frequently Asked Questions (FAQ’s)
Ans: The HDFC Bank Millennia Credit Card is ideal for online shopping, with 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and other partner brands.
Ans: The HDFC Bank Regalia Credit Card and HDFC Bank Diners Club Black Metal Edition Credit Card are ideal options for frequent flyers, with free airport lounge access, travel insurance, and low forex markup.
Ans: The card offers 5% NeuCoins on purchases of the Tata brand, airport lounge access, and 1.5% forex markup, and hence is ideal for Tata brand enthusiasts.
Ans: It provides Marriott Bonvoy reward points, one free night stay per year, airport lounge access, and Silver Elite status, and thus is ideal for regular Marriott hotel guests.
Ans:
Millenia Credit Card – ₹1,000 (for waived yearly spends of ₹1 lakh)
Regalia Credit Card – ₹2,500 (for waived yearly spends of ₹3 lakh)
Tata Neu Infinity Card – ₹1,499 (waived for yearly spends of ₹3 lakh)
Marriott Bonvoy Card – ₹3,000 (including tax)
Diners Club Black Metal Edition Card – ₹10,000 (waived for yearly spends of ₹8 lakh)
Ans: Yes, HDFC Bank provides a facility to pay your eligible transactions of ₹2,500 and above in easy EMIs.
