BEST FOR AMAZON || FLIPKART || MYNTRA || TATA CLIQ, AND OTHER SELECT ONLINE PARTNERS

HDFC Bank Millennia Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback at Amazon, Flipkart || Myntra, Tata CLiQ || Swiggy, Zomato || BookMyShow, Sony LIV || Cult.fit, Uber – on total purchases upto ₹20,000 per month
Upto 1%
Additional benefit based on quarterly card spend (₹1000 gift voucher at ₹1 lakh quarterly card spend)
✔︎
Dining benefits at Swiggy Dineout - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹1000

Minimum Income

Salaried - ₹35,000 per month || Self-employed - ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Vouchers worth ₹1000, on payment of annual fee
  • Renewal offer : Annual fee not charged from 2nd year onwards, if you spend ₹1 lakh or more in the previous year

GOOD REWARDS AT SELECT PARTNERS, INCLUDING AMAZON AND FLIPKART

HDFC Bank MoneyBack+ Credit Card

Our Rating 3.75
Top Reasons to Choose
3.3%
Cashback at select partners - Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy
Upto 1%
Additional benefit - ₹500 gift voucher at ₹50,000 quarterly card spend
✔︎
Annual fee for previous year is waived off at ₹50,000 annual card spend
Annual Fee

₹500

Minimum Income

Salaried : ₹20,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 500 cash points worth ₹125, on payment of 1st year annual fee
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year

BEST FOR FREQUENT SWIGGY USERS , AND FOR ONLINE PURCHASES INCLUDING AMAZON AND FLIPKART

Swiggy HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Cashback on Swiggy apps – Food ordering || Instamart || Dineout || Genie
5%
Cashback on online purchases across various categories , including Amazon and Flipkart
Annual Fee

₹500

Minimum Income

Salaried : ₹25,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Complimentary 3-month Swiggy One Membership
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year

BEST FOR 3X-10X ACCELERATED REWARDS ON HDFC SMARTBUY PLATFORM

HDFC Bank Regalia Gold Credit Card

Our Rating 3.75
Top Reasons to Choose
10X
17.3% reward on hotels bookings || at select partners : IGP.com & Jockey
5X
8.6% reward on Marks & Spencer || Myntra || Nykaa || Reliance Digital
5X
8.6% reward on flights & bus bookings || gift voucher purchases || MakeMyTrip holiday packages || select partners - Myntra, Apple, Nykaa, Zoom Card
3X
5.2% reward on rail ticket bookings
X
On all other card spends
✔︎
Upto 2.1% additional reward through the quarterly and annual milestone program
✔︎
Complimentary airport lounge access both in India (upto 12 times per year), and abroad (upto 6 times per year)
Annual Fee

₹2500

Minimum Income

Salaried : Net monthly income of ₹1 lakh per month || Self-employed : Annual income of ₹12 lakh

Annual Fee Offers
  • Welcome offers : ₹2500 gift voucher || Complimentary Club Vistara Silver Tier and MMT Black Elite Membership - on spending ₹1 lakh or more within 90 days of card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹4 lakhs or more in the previous year.

BEST FOR 3X-10X ACCELERATED REWARDS ON HDFC SMARTBUY PLATFORM

HDFC Bank Diners Club Privilege Credit Card

Our Rating 3.75
Top Reasons to Choose
10X
17.3% reward on hotels bookings || at select partners - IGP.com & Jockey
5X
8.6% reward on flights & bus bookings || MakeMyTrip holiday packages || gift voucher purchases || at select partners - Myntra, Apple, Nykaa, Zoom Card
5X
8.6% reward on Swiggy & Zomato spends
3X
5.2% reward on rail ticket bookings
X
1.7% reward on all card spends
✔︎
Complimentary airport lounge access both in India and abroad - 2 times per quarter
✔︎
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow - 2 free tickets (upto ₹250 each) per month
Annual Fee

₹2500

Minimum Income

Salaried : Net monthly income of ₹70,000 || Self-employed : Annual income of ₹8.40 lakh

Annual Fee Offers
  • Welcome offers : Complimentary annual memberships of Swiggy One and Times Prime
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹3 lakhs or more in the previous year.

BEST FOR SHOPPING/SPENDING AT VARIOUS TATA BRANDS

Tata Neu Infinity HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Reward on partner Tata brands - only on Tata Neu app
5%
Reward on partner Tata brands (outside Tata Neu app)
1.50%
On UPI spends (on Rupay card version)
✔︎
Complimentary access to airport lounges both in India (2 times per quarter) and abroad (once per quarter).
Annual Fee

₹1499

Minimum Income

Salaried : ₹1 lakh per month || Self-employed : ₹12 lakhs per year

Annual Fee Offers
  • Welcome offer : 1499 NeuCoins worth ₹1499, on doing your 1st card transaction within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹3 lakhs or more in the previous year.

ATTRACTIVE REWARDS ON LOWER FUEL SPENDS || BILL PAYMENTS || GROCERY PURCHASES

IndianOil HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
5.80%
Benefit on IndianOil fuel spends upto ₹3000 per month
4.80%
Benefit on grocery purchases upto ₹2000 per month
4.80%
Benefit on bill payments upto ₹2000 per month
Annual Fee

₹500

Minimum Income

Salaried : ₹10,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Special limited time offer of ₹1500 Amazon vouchers, only if you apply online. This is subject to change.
  • Renewal offer : Annual fee is waived from the 2nd year onwards , if you spend ₹50,000 or more in the previous year.

BEST FOR SPENDING AT PARTNER TATA BRANDS

Tata Neu Plus HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Benefit at partner Tata brands - only via Tata Neu app
2%
Benefit on partner Tata brands (outside Tata Neu app)
✔︎
Complimentary access to airport lounges in India (1 time per quarter)
1%
Benefit on UPI spends
Annual Fee

₹499

Minimum Income

Salaried: Net income of ₹25,000 per month || Self-employed: ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 499 NeuCoins worth ₹499, on joining
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹1 lakh or more in the previous year.

BEST FOR FREQUENT INDIGO FLYERS

6E Rewards XL IndiGo HDFC Bank Credit Card

Our Rating
Top Reasons to Choose
5%
Benefit on Indigo bookings
3%
Benefit on grocery, entertainment and dining spends
2%
Benefit on all other card spends
✔︎
Complimentary domestic airport lounge access – 2 per quarter
Annual Fee

₹1500

Minimum Income

Salaried : Gross income of ₹1.20 lakhs per month || Self-employed : ₹14.4 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome ticket voucher worth ₹3000 || One free ‘6E Prime-Add-on’ worth ₹1099

BEST FOR PREMIUM BENEFITS AND HIGH REWARD RATES, ESPECIALLY ON TRAVEL

HDFC Bank Diners Club Black Metal Edition Credit Card

Our Rating 4.25
Top Reasons to Choose
3.3% (X)
Reward on all card spends
10% (3X)
Reward on railway bookings on IRCTC || gift vouchers || Apple purchases
16.6% (5X)
Reward on flights || bus tickets || MakeMyTrip holiday packages || select partners Myntra, Nykaa, Zoom Car
33.3% (10X)
Reward on hotels || select partners Jockey and IGP.com
✔︎
Unlimited airport lounge access in India and abroad
✔︎
Complimentary golf rounds worldwide - 6 per quarter
Annual Fee

₹10000

Minimum Income

Salaried : Net income of ₹1.75 lakhs per month || Self-employed : ₹21 lakhs per year

Annual Fee Offers
  • Welcome Offer : Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One, on spending ₹1.50 lakhs within 90 days of card issuance
  • Renewal Offer : Annual fee is not charged from the second year onwards , if you spend ₹8 lakhs or more in the previous year

BEST FOR FREQUENT INDIGO FLYERS

6E Rewards IndiGo HDFC Bank Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Benefit on Indigo bookings
✔︎
Benefit on grocery, entertainment and dining spends
Annual Fee

₹500

Minimum Income

Salaried : ₹50,000 per month || Self-employed : ₹7.20 lakhs per year

Annual Fee Offers
  • Welcome offers : Welcome ticket voucher worth ₹1500 || One ‘6E Prime-Add-on’ worth ₹1099

BEST FOR RAILWAY TICKET BOOKINGS - AT IRCTC

IRCTC HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Benefit on railway ticket bookings
✔︎
Quarterly milestone benefit : Gift voucher worth ₹500, on spending ₹30,000 on your card in a quarter
✔︎
Complimentary access to railway lounges in India – 2 per quarter
✔︎
1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
Annual Fee

₹500

Minimum Income

Salaried : ₹25,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Gift voucher worth ₹500, on card activation within 30 days of card issuance
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹1.50 lakhs or more in the previous year

BEST FOR SUPER PREMIUM BENEFITS AND HIGH REWARD RATES ON CARD SPENDS

HDFC Bank INFINIA Credit Card

Our Rating 4.50
Top Reasons to Choose
3.3% (X)
Reward on all card spends
10% (3X)
Reward on rail ticket bookings
16.6% (5X)
Reward on flights || bus tickets || MakeMyTrip holiday packages || gift vouchers || select partners (Myntra, Apple Imagine Tresor, Nykaa, Zoom Car)
33.3% (10X)
Reward on hotels || select partners (Jockey and IGP.com)
✔︎
Unlimited complimentary airport lounge access in India and abroad
✔︎
Unlimited complimentary golf rounds and golf lessons, at partner golf courses
Annual Fee

₹12500

Minimum Income

By Invite

Annual Fee Offers
  • Welcome Offer : Welcome offer worth ₹12500, and complimentary 1 year Marriott membership
  • Renewal Offer : You get 12500 reward points worth ₹12500, on payment of renewal fee

BEST FOR SHOPPING AT SHOPPERS STOP (7% REWARD RATE)

Shoppers Stop Black HDFC Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Reward on Shoppers Stop purchases - only on purchases upto ₹28570 per month
✔︎
Complimentary access to airport lounges in India (4 times per quarter), and abroad (2 times per quarter)
✔︎
Complimentary First Citizen Black membership worth ₹4,500.
Annual Fee

₹4500

Minimum Income

Salaried : ₹2 lakhs per month || Self-employed : ₹8 lakhs per year

Annual Fee Offers
  • Welcome Offer : ₹1500 worth of Shoppers Stop vouchers, on minimum shopping of ₹5,000 at Shoppers Stop stores. You also get a complimentary First Citizen Black membership worth ₹4,500.
  • Renewal Offer : Continued membership of First Citizen Black worth ₹4,500.

BEST FOR FREQUENT PAYTM USERS

Paytm HDFC Bank Select Credit Card 

Our Rating 3.75
Top Reasons to Choose
5%
Cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Travel || Movie tickets || Mini App
3%
Cashback at select partners – Swiggy || AJIO || Big Basket || Uber
✔︎
Milestone Benefit : Additional benefit of upto 1% , on achieving quarterly card spend target of ₹50,000
✔︎
Complimentary domestic airport lounge access – 2 per quarter
Annual Fee

₹1000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : First year annual fee not charged at ₹50,000 card spend, within 90 days of card issuance || Complimentary Paytm First membership
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year

STARTER CARD FROM HDFC, LOW MINIMUM INCOME REQUIREMENTS

HDFC Bank Freedom Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Basic HDFC cashback card, with low minimum income requirement of ₹12000 per month (for salaried individuals)
✔︎
Low annual card spend target of ₹50,000, to get annual fee waived off
1%
Cashback at 5 partners - Big Basket || Swiggy || BookMyshow || OYO || Uber (10X)
Annual Fee

₹500

Minimum Income

Salaried : ₹12,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 500 cash points worth ₹75, on payment of 1st year annual fee
  • Renewal offer : Annual fee from the second year onwards is not charged , if you spend ₹50,000 or more in the previous year

BEST FOR FREQUENT PAYTM USERS

Paytm HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
3%
Cashback on various spends at Paytm : Prepaid recharges || Utility bill payments || Movie tickets || Mini App - on spends upto ₹16,666 per month
2%
Cashback on all other select Paytm spends - on spends upto ₹25000 per month
✔︎
Milestone Benefit : Additional benefit of upto 1%, on monthly card spend of ₹10,000
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year annual fee waived at ₹30,000 card spend, within 90 days of card issuance || Complimentary Paytm First membership
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year

VIRTUAL UPI CARD FROM HDFC

HDFC Bank UPI RuPay Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
UPI enabled card
Annual Fee

₹99

Minimum Income

Not specified

Annual Fee Offers
  • Renewal offer : Annual fee from the second year onwards is waived off, if you spend ₹25000 or more i