ATTRACTIVE CASHBACK ON POPULAR PLATFORMS, WITH EASY ANNUAL FEE WAIVER REQUIREMENTS

HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
5% cashback at preferred partners - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber. Monthly cashback limit - ₹1000
✔︎
At ₹1 lakh quarterly card spend - ₹1000 gift voucher OR Dreamsfolks airport lounge access voucher
Annual Fee

₹1000

Minimum Income

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

Annual Fee Offers
  • Welcome offer : 1000 cashpoints worth ₹1000
  • Renewal offer : Annual fee waived on ₹1 lakh annual card spend

▶︎ 5% cashback at Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber

  • Monthly cashback limit: ₹1,000 (reached at ₹20,000 spending)
  • Note: Gift card/prepaid cards & voucher purchases earn 1% cashback.

▶︎ 1% cashback on other card spends 

Monthly cashback limit - ₹1000, reached at ₹1 lakh spending

Important exclusions include -

  • Fuel transactions
  • EMI transactions
  • Rent payments
  • Government transactions
  • Wallet loads 
  • Education payments through third-party apps

▶︎ Quarterly Milestone Benefit: Spend ₹1 lakh per quarter and choose:

  • ₹1,000 gift vouchers from select brands, OR
  • Dreamsfolks airport lounge access voucher

▶︎ Up to 10% cashback on travel, shopping, and more – through HDFC Smartbuy platform (maximum cashback of ₹1,000 per month)

  • 5% cashback on travel spends: flight bookings, hotel bookings, and bus tickets through RedBus or MakeMyTrip holiday packages.
  • 5% cashback on various gift vouchers: shopping, travel, dining, entertainment, and more.
  • 5% cashback at select partners: Myntra, Apple Imagine Tresor, Nykaa, and Zoom Car.
  • 10% cashback at select partners: Pharmeasy, IGP, and Jockey.

▶︎ 1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5,000

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Benefits

  • High cashback rates on popular online platforms
  • Reasonable annual fee with easy waiver conditions
  • Airport lounge access through milestone program
  • Comprehensive coverage of shopping and lifestyle needs
  • Additional benefits through Smartbuy platform

Drawbacks

  • Limited offline benefits for in-store shopping
  • Monthly spending caps on bonus cashback limits high spenders
  • Partner restrictions for 5% cashback rate

To read the full review of the card , please click here

BEST FOR DINING & ONLINE SHOPPING

Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
10% cashback on Swiggy apps - Food orders, Instamart groceries, Dineout restaurants. Monthly cashback limit - ₹1500
✔︎
5% cashback on online purchases across various categories including Amazon and Flipkart. Monthly cashback limit - ₹1500
✔︎
4 free golf rounds per year, 1 free golf lesson per month
Annual Fee

₹500

Minimum Income

Salaried : ₹15,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: 3-month Swiggy One Membership
  • Renewal offer: Annual fee waived on ₹2 lakhs annual spend

▶︎ 10% cashback on Swiggy apps: 

  • Food delivery orders 
  • Instamart grocery shopping   
  • Dineout restaurant bookings 
  • Genie delivery services

Monthly cashback limit: ₹1,500 (reached at ₹15,000 spending)

Important exclusions: Cashback is not given on Swiggy Money wallet, Swiggy liquor, and Swiggy minis

▶︎ 5% cashback on online purchases including Amazon and Flipkart:

  • Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
  • Department stores, apparel, and home decor
  • Electronics
  • Local cabs
  • Entertainment
  • Pharmacies & personal care
  • Online pet stores 

Monthly cashback limit: ₹1,500 (reached at ₹30,000 spending)

Important exclusions: 

  • Cashback will not be given on any grocery purchases and gift card purchases in the above categories.
  • Starting 10th May 2025 onwards, grocery transactions on Amazon and Flipkart (MCC 5411) will also earn 5% cashback

▶︎ 1% basic cashback benefit on all other card spends 

Monthly cashback limit: ₹500 (reached at ₹50,000 spending)

Important exclusions: No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

▶︎ Welcome offer: Up to 12 Month complimentary Swiggy One membership

  • All new customers get a 3 month Swiggy One membership
  • Customers who apply through the Swiggy app receive extra 9 months of Swiggy One Membership

▶︎ Complimentary golf

  • 4 free golf rounds per year (maximum 1 per month) 
  • 1 free golf lesson per month
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Ideal for-

  • Regular Food Delivery Users: If you order from Swiggy 2-3 times weekly, the 10% cashback can result in significant savings of ₹500-1000 every month.
  • Online Grocery Shoppers: Regular Swiggy Instamart users can take advantage of the 10% cashback on grocery purchases, combining convenience with significant savings.
  • E-commerce Fans: Frequent shoppers on large platforms like Amazon and Flipkart benefit from the best-in-class 5% cashback on a wide range of online purchases.
  • Urban Professionals: Busy professionals who rely on food delivery, online shopping, and occasional dine-out experiences can maximize all card benefits.
  • Occasional Golfers: The complimentary golf benefits add substantial value for those who enjoy the sport on an intermittent basis.

Not ideal for consumers who:

  • Prefer in-store shopping over online purchases
  • Frequent travellers looking for airport lounge access
  • Rarely order food or groceries online
  • Cannot meet the minimum income requirements
  • Travel internationally frequently (due to the 3.5% foreign transaction fee)

To read the full review of the card , please click here

DIGITAL CASHBACK CARD

HDFC Bank Pixel Play Credit Card

HDFC Bank Pixel Play Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
5%
Cashback on any 2 categories of your choice - travel || grocery || electronics || fashion || dining & entertainment (up to ₹500 per month)
3%
Cashback on any one of the following - Amazon || Flipkart || HDFC PayZapp (up to ₹500 per month)
5%
Cashback on HDFC Smartbuy platform (maximum cashback of ₹500 per month)
Annual Fee

₹500

Minimum Income

Salaried : ₹25000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Annual fee waived, if you spend ₹20,000 or more on your card within 90 days of card issuance
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹1 lakh or more on your card in the previous year

5% cashback (up to ₹500 per month) on any 2 of the below categories-

  • Dining & entertainment category – BookMyShow & Zomato
  • Travel category – MakeMyTrip & Uber
  • Grocery category – Blinkit & Reliance Smart Bazaar
  • Electronics category – Croma & Reliance Digital
  • Fashion category – Nykaa & Myntra

- You get 5 PIXEL CashPoints, on every ₹100 you spend on your card in the 2 categories of your choice. 1 PIXEL CashPoint = ₹1

- Cashback is given in the form of PIXEL CashPoints in HDFC PayZapp wallet, and can be used to purchase brand vouchers inside the HDFC Payzapp app

3% cashback  (up to ₹500 per month) on any one of the following e-commerce merchants : Amazon or Flipkart or PayZapp

  • Earn 3 PIXEL CashPoints, on every ₹100 you spend on the merchant you choose. 
  • 1 PIXEL CashPoint = ₹1

1% cashback on all other card spends

  • You get 1 PIXEL CashPoints, on every ₹100 you spend on all other card spends. 1 PIXEL CashPoint = ₹1
  • Exceptions : No reward points are given on the following spends - fuel, EMI, rent, e-wallet loads, government related transactions.

5% cashback (up to ₹500 per month) through HDFC Smartbuy platform on the following merchants and categories-

  • IGP
  • Flights
  • Hotels
  • Bus
  • Rail
  • Instant Vouchers
  • Apple Imagine Tresor

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000 

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Benefits

  • Good cashback rates on various categories
  • Ability to choose cashback categories of your choice

Drawbacks to consider

  • You could get higher cashback rates on some other cashback cards

To read the full review of the card , please click here

GOOD REWARDS AT SELECT PARTNERS, INCLUDING AMAZON AND FLIPKART

HDFC Bank MoneyBack+ Credit Card

HDFC Bank MoneyBack+ Credit Card - Our Money Guide 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 is waived off at ₹50,000 annual card spend
✔︎
Upto 10% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)
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
  • Renewal offer: Annual fee waived at ₹50,000 yearly card spend

3.3% cashback at select partners (Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy), on total purchases up to ₹18750 per month

  • Earn 13.3 cash points worth ₹3.3, on every ₹100 you spend at these partners (non EMI spends).
  • This benefit is applicable only on total purchases up to ₹18,750 per month (since you can earn a maximum of 2500 bonus cash points per month)
  • 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

0.33% cashback on all other card spends

  • Earn 1.33 CashPoints worth 33 paise, on every ₹100 you spend on all other card purchases.
  • 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance
  • Exceptions: No cashback is given on fuel purchases, rent payments, government-related transactions, EMI transactions, wallet load, gift card /prepaid card loads, voucher transactions , payment of outstanding balances, payment of card fees and other charges.

Up to 1% additional reward at ₹50,000 quarterly card spend (milestone benefit): Earn gift vouchers worth ₹500, at ₹50,000 quarterly card spend = 1% reward

Up to 10% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

  • 5% cashback on travel spends : flight bookings || hotel bookings || bus tickets, through RedBus || MakeMyTrip holiday packages
  • 5% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
  • 5% cashback at select partners : Myntra || Apple Imagine Tresor || Nykaa || Zoom Car
  • 10% cashback at select partners : Pharmeasy || IGP || Jockey

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

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Benefits

  • 3.3% cashback at important merchants including Amazon, Flipkart, etc, catering to diverse needs
  • Low yearly card spend requirement of ₹50,000, to get an annual fee waiver. Hence the card is virtually free at ₹50,000 yearly card spend.

Drawbacks to consider

  • High cashback is available at select partners only

To read the full review of the card , please click here

5% CASHBACK ON PAYTM - UTILITIES, TRAVEL, SHOPPING

Paytm HDFC Bank Select Credit Card 

Paytm HDFC Bank Select Credit Card  - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
5% cashback on Paytm spends – prepaid recharges, utility bills, travel, movies, mini App
✔︎
3% cashback at Swiggy, Ajio, Big Basket, Uber
✔︎
Up to 1% additional reward, at ₹50,000 quarterly card spend
✔︎
Domestic airport lounge access – 2 times 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
  • 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

5% cashback on Paytm (prepaid recharges, utilities, movie tickets, mini app)

  • 5 cashpoints worth ₹5, per ₹100 spent 
  • Monthly cashback limit: ₹1500, reached at ₹30000 monthly spend

3% cashback on Swiggy, Ajio, Big Basket, Uber

  • 3 cashpoints worth ₹3, per ₹100 spent
  • Monthly cashback limit: ₹500, reached at ₹16,666 monthly spend

1% cashback on other spends

  • 1 cashpoints worth ₹1, per ₹100 spent
  • Monthly cashback limit: ₹2000, reached at ₹2 lakh monthly spend

Important exclusions & restrictions 

  • No cashback on wallet loads, fuel, EMI, rent, online skill based gaming transactions, government spending
  • Maximum 1000 reward points on grocery purchases
  • Maximum 2000 reward points on insurance spends

Upto 1% reward on quarterly spending milestone (₹50,000)

  • ₹500 cashback, on ₹50,000 quarterly spend (1% reward)
  • Eligible spends: Non-EMI, non-wallet and non-rental card spends

Domestic airport lounge access: 2 visits per quarter

Fuel surcharge waiver at all fuel stations

  • On fuel transactions between ₹400 and ₹5000
  • Monthly waiver limit: ₹500
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Benefits

  • Good card for Paytm users, you get good cashback on various Paytm spends
  • You also get higher cashback on select partners
  • Complimentary domestic airport lounge access – 2 per quarter

Drawbacks to consider

  • Not a good card for other major spending needs like shopping, fuel etc.

To read the full review of the card , please click here

10% REWARD ON RAIL TICKETS | RAILWAY LOUNGE ACCESS

IRCTC HDFC Bank Credit Card

IRCTC HDFC Bank Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
10% reward on train tickets, on purchases up to ₹20,000 per month
✔︎
₹500 gift voucher, on ₹30,000 quarterly card spend
✔︎
Railway lounge access – 2 times per quarter
✔︎
1% transaction charges waiver, on IRCTC/ Rail Connect App
Annual Fee

₹500

Minimum Income

Salaried : ₹15,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: Gift voucher worth ₹500, by performing 1 transaction within 37 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

10% benefit on railway ticket purchases up to ₹20,000 per month

▶︎ 5% benefit on railway tickets – on IRCTC ticketing website and IRCTC Rail Connect App

  • 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app – only on bookings upto ₹20,000 per month (since the maximum reward points you can earn at this accelerated rate is restricted to 1000 reward points per month).
  • 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.

▶︎ Additional 5% cashback on rail ticket booking through HDFC Smartbuy, only on ticket purchase/s up to ₹20,000 per month (since monthly cashback is capped at ₹1000 per month).

1% benefit on all UPI spends 

  • You can link your card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
  • You get 1 reward point worth ₹1, on every ₹100 you spend on UPI payments – only on UPI payments upto ₹50,000 per month (since you can earn a maximum of 500 reward points per calendar month on UPI spends).

1% basic benefit on all other card spends

  • You get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
  • 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
  • Exceptions: No reward points are given on fuel purchases, rent payments, government-related transactions, education transactions, wallet loads /gift or prepaid card load/ voucher purchase, EMI transactions, payment of card fees and other charges, payment of outstanding balances, cash advances.

Additional benefit of up to 1.6%, at ₹30,000 quarterly card spend (quarterly milestone benefit)

  • You get a gift voucher worth ₹500, on spending ₹30,000 or more on your card within a quarter.
  • Note: Cash transactions, dial-an- EMI, cash-on-call, balance transfer, card account fee, personal loan on credit card, etc will not be considered as eligible spends for this offer.

Complimentary access to railway lounges in India – 2 times per quarter

1% transaction charges waiver (up to ₹1000 per month), on IRCTC ticketing website and Rail Connect App

Fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

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Benefits

  • Good card for rail travellers – 10% reward on rail tickets (on non-AC tickets also, and valid throughout the year, unlike some competitor cards like BOB & SBI IRCTC Cards)
  • Complimentary access to railway lounges and 1% transaction waiver on IRCTC
  • 1% reward on UPI spends

Drawbacks to consider

  • Rewards on non-railway spends is low

To read the full review of the card , please click here

GOOD CARD FOR BEGINNERS | LOW INCOME REQUIREMENTS

HDFC Bank Freedom Credit Card

HDFC Bank Freedom Credit Card - Our Money Guide 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 requirement of ₹50,000, to get annual fee waived off
1%
Cashback at 5 partners - Big Basket || Swiggy || BookMyshow || OYO || Uber (10X)
✔︎
Upto 10% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)
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

1% cashback benefit at select partners (Big Basket || Swiggy || BookMyshow || OYO || Uber) – on total purchases up to ₹37,500 per month 

  • Earn 6.6 cash points worth ₹1, on every ₹100 you spend at these partners.
  • This is valid only on total purchases up to ₹37500 per month (maximum 2500 CashPoints per month), and only on non-EMI purchases.
  • 1 CashPoint = ₹0.15, and can be redeemed as cashback against your credit card statement balance.

0.10% cashback on all other card spends

  • Earn 0.66 CashPoints worth 10 paise, on every ₹100 you spend on all other purchases.
  • 1 CashPoint = ₹0.15, and can be redeemed as cashback against your credit card statement balance
  • Exceptions: No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI), wallet load, gift card /prepaid card loads, voucher transactions , payment of outstanding balances, payment of card fees and other charges.

Up to 10% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

  • 5% cashback on travel spends : flight bookings || hotel bookings || bus tickets, through RedBus || MakeMyTrip holiday packages
  • 5% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
  • 5% cashback at select partners : Myntra || Apple Imagine Tresor || Nykaa || Zoom Car
  • 10% cashback at select partners : Pharmeasy || IGP || Jockey

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

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Benefits

  • Beginner-friendly card
  • Low minimum income requirement (₹12000 per month, one of the lowest in the industry - easy approvals)
  • Annual fee waiver on ₹50,000 annual spend (easy fee waiver requirement)
  • Easy entry into the HDFC ecosystem, can exploit attractive bank-wide deals & offers
  • Being a core HDFC card, it can lead to relatively easier upgrades to higher-rewarding HDFC cards like HDFC Millennia, Regalia, and more

Drawbacks to consider

  • Low reward rate on card spending 

Tip: With a higher income, you could look at higher reward cards like HDFC Moneyback+ or HDFC Millennia


To read the full review of the card , please click here

BEST FOR FREQUENT PAYTM USERS

Paytm HDFC Bank Credit Card

Paytm HDFC Bank Credit Card - Our Money Guide 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
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year

3% cashback on various spends at Paytm : Prepaid recharges || Utility bill payments || Movie tickets || Mini App – on spends up to ₹16,666 per month

  • 3 cashpoints worth ₹3, on every ₹100 you spend in these categories 
  • This is valid on spends up to ₹16,666 per month, since maximum cashback at this special rate is restricted to ₹500 per month
  • Reward points redemption: 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

2% cashback on all other select Paytm spends – on spends up to ₹25000 per month

  • 2 cashpoints worth ₹2, on every ₹100 you spend in these categories – on spends upto ₹25,000 per month (since maximum cashback at this special rate is restricted to ₹500 per month)
  • 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

1% cashback on all other spends – on spends up to ₹1 lakh per month

  • 1 cashpoint worth ₹1, on every ₹100 you spend on all other card transactions – on card spends upto ₹1 lakh per month (since maximum cashback is restricted to ₹1,000 per month)
  • Important exclusions: Cashback is not given on wallet loads, fuel spends, EMI spends, online skill based gaming, rental spends and government spends.
  • 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

Up to 1% additional benefit through milestone program: Get ₹100 cashback on monthly card spend of ₹10,000 (only for non-EMI, non-wallet and non-rental card spends).

Zero cost liability on lost credit card : If you lose your card & report it immediately to the 24-hour call centre, you have zero liability on any fraudulent transactions made on your card.

Fuel surcharge waiver at all fuel stations up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

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Benefits

  • Good card for Paytm users, you get good cashback on various Paytm spends
  • Low annual card spend requirement of ₹50,000 for annual fee waiver

Drawbacks to consider

  • Not a good card for other major spends like shopping, travel, fuel etc.

To read the full review of the card , please click here

VIRTUAL/DIGITAL UPI CREDIT CARD FROM HDFC BANK

HDFC Bank UPI RuPay Credit Card

HDFC Bank UPI RuPay Credit Card - Our Money Guide 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 in the previous year

Below rewards are applicable on both UPI as well as regular credit card spends. 

0.75% reward on following spends - groceries || supermarket || dining || PayZapp transactions

  • Earn 3 Cashpoints worth ₹0.75, on every ₹100 you spend in these categories.
  • 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
  • You can earn a maximum of 500 Cashpoints per month

0.50% reward on utility spends

  • Earn 2 Cashpoints worth ₹0.50, on every ₹100 you spend in this category
  • 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
  • You can earn a maximum of 500 Cashpoints per month

0.25% reward on all other card spends

  • Earn 1 Cashpoints worth ₹0.25, on every 100 you spend on all other card purchases
  • 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
  • You can earn a maximum of 500 Cashpoints per month
  • Please note that no Cashpoints are given on rent, wallet loads, EMI, fuel, insurance payments & government categories

Other important points-

  • This card is issued as a virtual card only, no physical card is issued
  • You can apply for this card through HDFC MyCards
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Benefits

  • You can use this kind for UPI transactions, hence you can earn rewards on a larger number of your day to day spends

Drawbacks

  • The reward rate on card spending is comparatively low

To read the full review of the card , please click here

STARTER CASHBACK CARD FROM HDFC BANK

HDFC Bank Pixel Go Credit Card

HDFC Bank Pixel Go Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
✔︎
Annual fee from the 2nd year onwards waived at ₹50,000 annual card spend || 1st year annual fee waived at ₹10,000 card spend (within 90 days of card issuance date)
1%
Cashback on all card spends
5%
Cashback (up to ₹500 per month) through HDFC Smartbuy platform: On travel || instant vouchers || select partner
Annual Fee

₹250

Minimum Income

Salaried : ₹8000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Annual fee waived, if you spend ₹10,000 or more on your card within 90 days of card issuance
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹50,000 or more on your card in the previous year

1% cashback on all card spends

  • Earn 1 PIXEL CashPoint on every ₹100 you spend on your card. 1 PIXEL CashPoint = ₹1
  • Exceptions: No reward points are given on the following spends - fuel, EMI, rent, e-wallet loads, government related transactions, cash withdrawal, card fees. & charges.
  • Cashback is given in the form of PIXEL CashPoints in HDFC PayZapp wallet, and can be used to purchase brand vouchers inside the HDFC Payzapp app

5% cashback (up to ₹500 per month) through HDFC Smartbuy platform: On travel || instant vouchers || select partners

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000 

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Benefits

  • Low minimum income requirement of ₹8000 per month
  • Low annual card spend requirement of ₹50,000 to get an annual fee waiver from the 2nd year onwards.
  • 1st year annual fee waiver at ₹10,000 card spend within 90 days of card issuance date

Drawbacks to consider

  • Comparatively low reward on card spends

To read the full review of the card , please click here

10% Rewards on Utility Bill Payments | 5% on Popular Online Platforms

PhonePe HDFC Bank Ultimo Credit Card

PhonePe HDFC Bank Ultimo Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
10% cashback on PhonePe spends (utility bills, recharges, travel, movies). Maximum monthly cashback - ₹1000
✔︎
5% cashback on select online brands (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber). Maximum monthly cashback - ₹500
✔︎
1% cashback on UPI Scan & Pay transactions
✔︎
8 domestic lounge visits per year (quarterly spend requirement of ₹75,000)
Annual Fee

₹999

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: ₹499 PhonePe Gift Card on 1st UPI transaction + ₹500 over next 10 UPI transactions
  • Annual fee waived at ₹2 lakh annual spend

10% cashback on PhonePe spends (utility bills, recharges, travel, movies) 

  • 10 reward points worth ₹10, for every ₹100 spent in these categories
  • Monthly cashback limit: 1000 reward points, reached at ₹10,000 spending

5% cashback on select online brands (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber)

  • 5 reward points worth ₹5, for every ₹100 spent in these categories
  • Monthly cashback limit: 500 reward points, reached at ₹10,000 spending

1% cashback on UPI Scan & Pay transactions

  • 1 reward points worth ₹1, for every ₹100 spent
  • Monthly cashback limit: 500 reward points, reached at ₹50,000 spending

Redemption value of reward points

  • Reward points can be converted to cashback (statement credit)
  • 1 reward point = ₹1

Important exclusions (no reward points)

  • EMI spends (Easy EMI, Smart EMI, Dial an EMI)
  • Fuel transactions, Wallet load, Gift Card
  • Cash advances, Credit Card bill payment 
  • Credit cards fees or any charges, Government transactions 
  • Rental payments, Educations fees transactions
  • Insurance and Investment, Jewellery purchase

Domestic airport lounge access - 2 visits per quarter (spend requirement of ₹75,000 per quarter)

1% fuel surcharge waiver on fuel transactions between ₹400 & ₹5000, and up to ₹250 per month

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Pros

  • PhonePe users who regularly pay utility bills and recharge through the app 
  • Online shoppers on major e-commerce platforms 
  • UPI users seeking rewards on credit card transactions 
  • Those seeking affordable premium card benefits with low annual fee waiver requirement

Drawbacks to consider

  • Users who don't actively use PhonePe or UPI payments 
  • Travellers needing international airport lounge access 
  • High spenders seeking unlimited reward earning potential (due to monthly caps)

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HDFC Cashback Credit Card Benefits

HDFC cashback credit card offers include special cashback offers on different types of card spending like online shopping, dining, train tickets, and bill payments. 

One of the most appealing HDFC Cashback Credit Card benefits is the simplicity of earning cashback. Instead of dealing with reward points or complex redemption processes, these cards offer direct savings credited to your credit card account. 

Additionally, these cards have exclusive partnerships with popular merchants like Amazon and Swiggy, providing special discounts and bonus cashback opportunities. Whether it’s travel, groceries, or dining, these cards ensure that every rupee spent goes further.

For those looking for long-term value, the HDFC Cashback Credit Card benefits extend to features like annual fee waivers upon meeting specific annual card spending milestones. This makes them a cost-effective choice for frequent card spenders.

From daily purchases to big-ticket items, these cards provide consistent savings. Let us take a look at these cards in more detail-  

  • HDFC Bank Millennia Credit Card and Swiggy HDFC Bank Credit Card are the best HDFC cashback credit cards for online shopping. 
  • HDFC Bank Pixel Play Credit Card is another option to consider. It is a newly launched HDFC Bank Cashback Card. Besides offering attractive cashback rates, it allows you to choose cashback categories of your choice. HDFC Bank MoneyBack+ Credit Card is the next best option with comparatively lower cashback rewards but also comparatively lower yearly spend requirement for an annual fee waiver. 
  • Swiggy HDFC Bank Credit Card is best HDFC cashback credit card for dining benefits, and gives special cashback on Swiggy purchases and also attractive cashback on online purchases including Amazon and Flipkart.
  • Paytm HDFC Bank Credit Card and Paytm HDFC Bank Select Credit Card are cobranded credit cards with Paytm, and offer special cashback on Paytm spends.
  • HDFC Bank Freedom Credit Card and HDFC Bank Pixel Go Credit Card are good starter cashback credit cards, with comparatively low minimum income requirements.
  • HDFC Bank UPI RuPay Credit Card is a HDFC Rupay credit card, which also offers cashback benefits on day-to-day spends and purchases.

Best HDFC Cashback Credit Cards for Online Shopping

HDFC Bank Millennia Credit Card and Swiggy HDFC Bank Credit Card are the best HDFC cashback credit cards for online shopping, and also amongst the best cashback credit cards in India. Swiggy HDFC Bank Credit Card also offers very good dining benefits both on food delivery as well as at restaurants, but the annual card spend requirement for an annual fee waiver is higher compared to the HDFC Bank Millennia Credit Card. 

HDFC Bank Pixel Play is also an option worth considering, but cashback rewards on popular online platforms like Amazon & Flipkart.

HDFC Bank MoneyBack+ Credit Card is the next best in terms of cashback rewards, and with a comparatively lower annual card spend requirement for an annual fee waiver. 

Let us compare these cards in the below table-

Card Name Annual Fee Benefits

Swiggy HDFC Bank Credit Card

Minimum Income

Salaried : ₹15,000 per month || Self-employed : ₹6 lakhs per year

 Annual Fee - ₹ 500
  • Welcome offer: 3-month Swiggy One Membership
  • Renewal offer: Annual fee waived on ₹2 lakhs annual spend
 Special Benefits
  • 10% cashback (up to ₹1500 per month) on Swiggy apps - Food orders, Instamart groceries, Dineout restaurants
  • 5% cashback (up to ₹1500 per month) on online purchases, including Amazon and Flipkart 
  • 4 free golf rounds per year, 1 free golf lesson per month

HDFC Bank Millennia Credit Card

Minimum Income

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

 Annual Fee - ₹ 1000
  • Welcome offer : 1000 cashpoints worth ₹1000
  • Renewal offer : Annual fee waived on ₹1 lakh annual card spend
 Special Benefits
  • 5% cashback (up to ₹1000 per month) at preferred partners
  • Preferred partners - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber
  •  At quarterly card spend of ₹1 lakh - ₹1000 gift voucher OR Dreamsfolks airport lounge access voucher

HDFC Bank MoneyBack+ Credit Card

Minimum Income

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

 Annual Fee - ₹ 500
  • Welcome offer: 500 cash points worth ₹125
  • Renewal offer: Annual fee waived at ₹50,000 yearly card spend
 Special Benefits
  • 3.3% cashback at Amazon, Flipkart, BigBasket, Reliance Smart Superstore, Swiggy (on total purchases up to ₹18,750 per month)
  • Up to 1% additional reward at ₹50,000 quarterly card spend 
  • Low annual spend requirement of ₹50,000 for annual fee waiver

HDFC Bank Pixel Play Credit Card

Minimum Income

Salaried : ₹25000 per month || Self-employed : ₹6 lakhs per year

 Annual Fee - ₹ 500
  • Welcome offer : Annual fee waived, if you spend ₹20,000 or more on your card within 90 days of card issuance
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹1 lakh or more on your card in the previous year
 Special Benefits

5% cashback (up to ₹500 per month) on any 2 categories of your choice

  • Dining & entertainment category – BookMyShow & Zomato
  • Travel category – MakeMyTrip & Uber
  • Grocery category – Blinkit & Reliance Smart Bazaar
  • Electronics category – Croma & Reliance Digital
  • Fashion category – Nykaa & Myntra
  • 3% cashback (up to ₹500 per month) on any one large e-commerce platform (Amazon or Flipkart)

HDFC Cashback Credit Cards for Earning Cashback on Paytm

HDFC has partnered with Paytm and has 2 card offerings which helps you earn cashback on Paytm spending-

  • Paytm HDFC Bank Select Credit Card (premium version)
  • Paytm HDFC Bank Credit Card (base version)

With the HDFC-Paytm Credit Cards, you can earn up to 5% cashback on Paytm spending. 

Card Name Annual Fee Benefits

Paytm HDFC Bank Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 500
  • Welcome offer : 1st year annual fee waived at ₹30,000 card spend, within 90 days of card issuance
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year
 Special Benefits
  • 3% cashback on various spends at Paytm (Prepaid recharges || Utility bill payments || Movie tickets || Mini App) -  on spends up to ₹16,666 per month
  • 2% cashback on all other select Paytm spends up to ₹25000 per month
  • Additional benefit of up to 1%, at ₹10,000 monthly card spend (milestone benefit)

Paytm HDFC Bank Select Credit Card 

Minimum Income

Not specified

 Annual Fee - ₹ 1000
  • Welcome offer : First year annual fee not charged at ₹50,000 card spend, within 90 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
 Special Benefits
  • 5% cashback on Paytm spends (prepaid recharges, utility bills, travel, movies, mini App)
  • 3% cashback at Swiggy, Ajio, Big Basket, Uber
  • Up to 1% additional reward, at ₹50,000 quarterly card spend
  • Domestic airport lounge access – 2 times per quarter

HDFC Cashback Credit Cards with Low Minimum Income Requirements

HDFC Bank Freedom Credit Card and HDFC Bank Pixel Go are HDFC starter cashback credit cards, with comparatively low minimum income requirements.

These cards also have a comparatively low yearly card spend requirements to get an annual fee waiver.

Card Name Annual Fee Benefits

HDFC Bank Freedom Credit Card

Minimum Income

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

 Annual Fee - ₹ 500
  • 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
 Special Benefits
  •  Low minimum income requirement of ₹12000 per month (for salaried individuals)
  • Annual fee waiver at ₹50,000 annual card spend
  • 1% cashback benefit at select partners (Big Basket || Swiggy || BookMyshow || OYO || Uber) – on purchases up to ₹37,500 per month

HDFC Bank Pixel Go Credit Card

Minimum Income

Salaried : ₹8000 per month || Self-employed : ₹6 lakhs per year

 Annual Fee - ₹ 250
  • Welcome offer : Annual fee waived, if you spend ₹10,000 or more on your card within 90 days of card issuance
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹50,000 or more on your card in the previous year
 Special Benefits
  • Low minimum income requirement of ₹8000 (for salaried individuals)
  • 1st year annual fee waiver at ₹10,000 card spend within 90 days of card issuance date
  • Low annual card spend requirement of ₹50,000 to get an annual fee waiver from the 2nd year onwards.
  • 5% cashback (up to ₹500 per month) through HDFC Smartbuy platform: On travel || instant vouchers || select partner
  • 1% cashback on all card spends (certain exceptions apply)

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