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

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

Shoppers Stop Black HDFC Credit Card

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

₹4500

Minimum Income

Salaried : ₹70,000 per month || Self-employed : ₹8.40 lakhs per year

Annual Fee Offers
  • Welcome Offer: Shoppers Stop vouchers worth ₹1500, Shoppers Stop Black membership worth ₹4500
  • Renewal Offer: Continued membership of Shoppers Stop Black membership worth ₹4500

7% reward on all Shoppers Stop purchases up to ₹28570 per month

  • Earn 7 reward points worth ₹7, on every ₹100 you spend in this category.
  • This is valid only on spends up to ₹28570 per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
  • 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

2% reward on all other card purchases

  • You earn 2 reward points worth ₹2, on every ₹100 you spend in this category.
  • This is valid on card spends up to ₹1 lakh per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
  • 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers..
  • Exceptions: No reward points are given on fuel, wallet loads, rent, utilities, jewellery/gold coins, EMI transactions, account fees and payment.

Complimentary visits to airport lounges in India – 4 times per quarter 

Complimentary visits to airport lounges outside India – 2 times per quarter 

Complimentary insurance covers

  • Accidental air death cover of ₹3 crores.
  • Emergency overseas hospitalisation cover up to ₹50 lakhs.
  • Credit liability cover up to ₹9 lakhs

Fuel surcharge waiver (up to ₹500 per month)

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Benefits

  • Strong reward rate of 7% on Shoppers Stop purchases
  • Decent reward rate of 2% on non-Shoppers Stop purchases as well
  • Exclusive privileges as a Shoppers Stop Black Tier member
  • Domestic & international airport lounge access
  • Emergency Overseas Hospitalisation cover, up to ₹50 lakhs

Drawbacks

  • Suitable only for Shoppers Stop consumers, since the best value for reward points redemption is for Shoppers Stop vouchers

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

IDEAL FOR TATA BRAND LOYALISTS & UTILITY BILL PAYMENTS

Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Up to 10% reward on Tata brands through Tata Neu app - 5% reward on partner brands, additional 5% on select brands
✔︎
5% reward on utility bill payments through Tata Neu app
✔︎
1.50% reward on UPI spends (on Rupay card version)
✔︎
Domestic airport lounge access - 2 times per quarter || International access - once per quarter
✔︎
Up to 6% cashback on travel, shopping and more - through HDFC Smartbuy (capped at ₹1000 per month)
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
  • Renewal offer: Annual fee waived on ₹3 lakh annual spend

Up to 10% Reward on Tata Brands via Tata Neu App

1. 5% Reward on Partner Tata Brands via the Tata Neu App (5 NeuCoins worth ₹5, per ₹100 spent)

2. Additional 5% Reward on Select Tata Brands, as Tata NeuPass Member (5 NeuCoins worth ₹5, per ₹100 spent)

  • NeuPass members earn an extra 5 NeuCoins per ₹100, on select Tata brands via the Tata Neu App. 
  • Requires downloading the Tata Neu App and registering for NeuPass. 

5% Reward on Bill Payments via Tata Neu App (5 NeuCoins worth ₹5, per ₹100) 

1.50% Reward on Other Card Purchases (1.5 NeuCoins worth ₹1.50, per ₹100) 

1.50% Reward on UPI Spends (RuPay Card)

  • 1.5 NeuCoins worth ₹1.50, per ₹100 
  • Capped at 500 NeuCoins per month

Value of Reward Points & Redemption

  • Reward points earned as NeuCoins
  • NeuCoins can be redeemed offline and online at partner Tata brands
  • Conversion Rate: 1 NeuCoin = ₹1

Excluded Transactions (No Rewards)

  • Fuel purchases & rental transactions
  • Government-related payments & wallet loads
  • Gift card, prepaid card & voucher purchases
  • Education payments through third-party apps 
  • Online gaming & betting transactions
  • Cash advances & cash withdrawals
  • Credit card bill payments, card fees & charges

Participating Tata brands include: 

  • Shopping: BigBasket (groceries), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear, jewelry). 
  • Travel: Air India, Air India Express (flights), Taj, Ginger, Vivanta, Seleqtions (hotels). 
  • Others: Tata Play (entertainment), Cult Fit (fitness), Tata 1mg (healthcare), QMin (food delivery).

Airport Lounge Access

  • International: 1 complimentary visit per quarter. 
  • Domestic: 2 complimentary visits per quarter. 

From June 10, 2025: Domestic lounge access requires ₹50,000 spend per calendar quarter.

Fuel Surcharge Waiver

  • 1% waiver on fuel transactions between ₹400–₹5,000, up to ₹500 per month.

Complimentary Insurance Benefits

  • Accidental air death cover: ₹1 crore. 
  • Emergency overseas hospitalization: Up to ₹15 lakh. 
  • Lost card liability protection: Up to ₹9 lakh.

HDFC Smartbuy Platform Rewards (Up to 6% Cashback)

  • 6% Cashback on Hotels
  • 1.5% Cashback on Other Travel: Flight booking, IRCTC train tickets, RedBus bus tickets. 
  • 1.5% Cashback on Gift Vouchers 
  • Select Partners: Flipkart (1.5%), Apple (1.5%), IGP.com (6%). 
  • Maximum cashback: ₹1,000 per month, credited as NeuCoins (1 NeuCoin = ₹1).
  • NeuCoin Redemption: Redeem at Tata brands (online and offline stores/hotels).
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Benefits

  • High rewards on Tata brand purchases (especially those eligible for 10% reward)
  • Flexible reward redemption across Tata ecosystem
  • Domestic airport lounge access
  • International lounge access (not very common for cards in this range)
  • High rewards on utilities (utilities are often excluded for rewards by most cards)
  • Decent UPI rewards on RuPay variant 
  • Consumers looking to earn decent rewards on UPI spends
  • Good insurance coverage for travel and emergencies
  • Decent emergency medical cover of up to ₹15 lakhs overseas (not offered by most cards)

Drawbacks

  • Limited reward opportunities outside Tata brands 
  • Quarterly spend requirements for domestic lounge access
  • No lifestyle privileges like golf and movie offers

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

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 SHOPPING AT SHOPPERS STOP

Shoppers Stop HDFC Bank Credit Card

Shoppers Stop HDFC Bank Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
3%
Rewards on all Shopper Stop purchases up to ₹16,666 per month
✔︎
Low annual fee of ₹299
✔︎
Complimentary Shoppers Stop Silver Membership worth ₹350
Annual Fee

₹299

Minimum Income

Salaried : Net monthly income of ₹20,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome Offer: Shoppers Stop voucher worth ₹500, Shoppers Stop Silver Edge membership worth ₹350
  • Renewal Offer: Continued membership of Shoppers Stop Silver Edge membership worth ₹350

3% reward on Shoppers Stop purchases up to ₹16,666 per month

  • 3 reward points worth ₹3, on every ₹100 spent
  • Monthly limit: 500 reward points, reached at ₹16,666 monthly spend 
  • 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

1% reward on other card purchases up to ₹1 lakh per month

  • 1 reward points worth ₹1, on every ₹100 spent
  • Monthly limit: 1000 reward points, reached at ₹1 lakh monthly spend 
  • Important exclusions: No reward points on fuel, wallet loads, rent, & utilities, jewellery/gold coins, EMI transactions, account fees and payment.

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

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Benefits

  • Decent rewards on Shoppers Stop purchases
  • Low fee card
  • Complimentary Shopper Stop Membership

Drawbacks

  • Comparatively low reward rate on non-Shoppers Stop card spends

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

HIGH REWARDS AT VARIOUS AIRLINE, HOTEL & SHOPPING BRANDS FROM TATA GROUP

Tata Neu Plus HDFC Bank Credit Card

Tata Neu Plus HDFC Bank Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
Up to 7%
Reward at partner Tata brands via Tata Neu app (2% reward on all Tata brand spends, additional 5% on select Tata brands)
2%
Reward on bill payments on through Tata Neu app
✔︎
Complimentary access to airport lounges in India (1 time per quarter)
1%
Reward on UPI spends
✔︎
Up to 4% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)
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
  • Renewal offer: Annual fee waived on ₹1 lakh annual spend

Up to 7% reward on Tata Neu App, on partner Tata Brands

  • 2% reward on partner Tata brands on Tata Neu app || 2% reward on bill payments through Tata Neu : You earn 2 NeuCoins worth ₹2, on every ₹100 you spend. This is valid only on non-EMI spends on Tata Neu.
  • Additional 5% reward on select Tata brands on Tata Neu app, as a Tata Neu Pass member : As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

Some of the Tata brands on Tata Neu-

  • Shopping : BigBasket (grocery), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear & jewellery)
  • Flights : Air India, Air India Express
  • Hotels : Taj, Ginger, Vivanta, Seleqtions, Ama
  • Others : Tata Play (entertainment), Cult Fit (fitness), Tata 1 mg (healthcare), Q Min (food delivery)

1% reward on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% reward on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Up to 4% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

  • 4% cashback on hotel spends : hotel bookings via MakeMyTrip || hotel bookings via Cleartrip
  • 1% cashback on other travel spends : flight bookings (via Cleartrip, EaseMyTrip & Goibibo) || IRCTC train tickets || bus tickets, through RedBus
  • 1% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
  • Upto 4% cashback at select partners : Flipkart – 1% cashback || Apple - 1% cashback || IGP.com, ZoomCar, Pharmeasy, Jockey, Nykaa, Myntra, MMT Holiday Packages – 4% cashback
  • Cashback is given in the form of NeuCoins. 1 NeuCoin = ₹1. You can redeem NeuCoins at various Tata brands, both online and at stores/ hotels (offline)

Complimentary visits to airport lounges in India – 1 time per quarter

  • Starting June 10, 2025, cardholders will only be able to access domestic airport lounges if they spend ₹50,000 or more in a calendar quarter

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

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Benefits

  • Good card choice for regular users of Tata brands
  • Complimentary domestic airport lounge access, not commonly available in entry-level cards (although recent introduction of minimum spending requirements has reduced the appeal of this benefit)
  • 1% reward on UPI spends (on RuPay variant of card)

Drawbacks

  • Good rewards only at partner Tata brands, restricting the ability to earn rewards on a broad range of spends
  • Comparatively short validity period of reward points (Neu Coins)

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

BEST IN CLASS REWARDS STRUCTURE (UP TO 33%) AND LIFESTYLE BENEFITS

HDFC Bank INFINIA Metal Credit Card

HDFC Bank INFINIA Metal Credit Card - Our Money Guide Our Rating 4.50
Top Reasons to Choose
✔︎
33.3% reward on hotels and select partners
✔︎
16.6% reward on flights, gift vouchers, holiday packages, and more
✔︎
10% reward on IRCTC train tickets
✔︎
3.3% reward on other card spends
✔︎
Unlimited domestic & international airport lounge access
✔︎
Unlimited golf rounds in India and abroad
Annual Fee

₹12500

Minimum Income

By Invite

Annual Fee Offers
  • Welcome Offer: ₹12500 + 1 year Marriott membership
  • Renewal Offer: Renewal fee waived at ₹10 lakh annual spend, else 12500 reward points worth ₹12500 on payment of renewal fee

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform:

  • 10X (33.3%): Hotels, select partners (Jockey, PharmEasy, IGP.com)
  • 5X (16.6%): Flights, buses, holiday packages, gift vouchers, Apple, Myntra, Nykaa
  • 3X (10%): IRCTC train bookings

▶︎ Regular Card Spending:

  • 1X (3.3%): All other purchases (unlimited earning)

▶︎ Monthly Limits:

Smartbuy categories (3X-10X): 15,000 accelerated reward points limit. Limit reached between ₹50,000 - ₹2.25 lakh monthly spending, depending on category mix - 

  • 10X categories: Limit reached at ₹50,000 spending
  • 5X categories: Limit reached at ₹1.12 lakh spending
  • 3X categories: Limit reached at ₹2.25 lakh spending

Regular spending (1X): No limits

▶︎ Reward Point Values:

  • ₹1 per point: Flight/hotel bookings, Apple products, Tanishq 
  • ₹0.50 per point: Vouchers and products
  • ₹0.30 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

Premium Benefits

▶︎ Airport Lounge Access

  • Unlimited domestic & international lounge access 
  • Available for add-on cardholders also

▶︎ Golf & Hotels

  • Unlimited golf rounds worldwide, unlimited coaching lessons in India
  • ITC Hotels: Pay for 2 nights, stay 3. Dining discounts
  • Marriott Club membership (1 year): 15-20% F&B discounts, room rate savings

▶︎ Insurance Coverage

  • ₹3 crore accidental air death
  • ₹50 lakh overseas medical emergency
  • ₹9 lakh lost card 
  • ₹9 lakh credit shield protection

▶︎ Fuel Surcharge Waiver

  • Surcharge waiver up to ₹1,000 per month
  • Valid only on fuel transactions between ₹400 and ₹1 lakh
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Benefits

  • Best-in-class rewards program with up to 33.3% value
  • Comprehensive travel benefits including unlimited lounge access
  • Premium lifestyle privileges like unlimited golf
  • Lower foreign currency fees (2%)
  • Variety of shopping rewards through shopping vouchers (16% reward on shopping voucher purchases)
  • Annual fee easily offset by benefits and rewards on card spending

Drawbacks to consider

  • Invitation-only availability limits accessibility
  • High broad-based shopping rewards available only through shopping vouchers (not direct purchases)
  • Monthly caps on accelerated rewards
  • High rewards available mostly through travel redemptions, hence more suitable for frequent travellers only

All in all, this HDFC premium credit card is one of the best super premium credit cards in India.


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

ONE OF INDIA'S BEST SUPER PREMIUM CREDIT CARDS, IDEAL FOR FREQUENT TRAVELLERS

HDFC Bank Diners Club Black Metal Credit Card

HDFC Bank Diners Club Black Metal Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
33.3% reward on hotels, select partners
✔︎
16.6% reward on flights, holiday packages, select partners
✔︎
10% reward on gift vouchers, train tickets, select partners
✔︎
3.3% on other card spends
✔︎
Unlimited domestic & international airport lounge access
✔︎
Complimentary golf rounds worldwide - 24 per year
Annual Fee

₹10000

Minimum Income

Salaried: ₹2.50 lakhs per month | Self-employed: ₹30 lakhs per year

Annual Fee Offers
  • Welcome Offer: Annual memberships of Club Marriott, Amazon Prime and Swiggy One (on spending ₹1.50 lakhs within 90 days)
  • Renewal Offer: Annual fee waived on ₹8 lakhs annual spend

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

  • 33.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
  • 16.6% (5X): Flights, buses, holiday packages, Myntra, Nykaa, Zoom Car
  • 10% (3X): Gift vouchers, IRCTC train tickets, Apple

▶︎ Regular Card Spending

  • 6.6% (2X): Weekend dining at restaurants (Saturday/Sunday, maximum 1,000 points per day)
  • 3.3% (1X): All other purchases

▶︎ Monthly Limits

  • Smartbuy accelerated rewards: 10,000 points (reached at ₹33,333 - ₹1.5 lakh monthly spending, depending on category mix)
  • Weekend dining: 1,000 points per day maximum

▶︎ Reward Point Values

  • ₹1.00: Flight/hotel bookings (Smartbuy), airline/hotel loyalty transfers
  • ₹0.50: Vouchers and products
  • ₹0.30: Cashback redemption

Reward rates assume optimal redemption for travel bookings

Up to 2.5% Additional Reward, at ₹4 lakh quarterly spend

  • 2.5% additional reward: 10,000 bonus points worth ₹10,000, at ₹4 lakh quarterly spend
  • This is earned on top of your regular rewards across all spending categories

Premium Benefits

▶︎ Travel: Unlimited Airport Lounge Access & More

  • Unlimited domestic & international airport lounge access (includes add-on cards)
  • 2% forex markup on international transactions
  • 24/7 global concierge services

▶︎ Golf: 6 complimentary golf rounds per quarter globally

▶︎ Marriott Club Membership (1 year)

  • Up to 25% discount on F&B bills (max 20 guests)
  • Up to 20% discount on room rates in India, weekend rates in Asia Pacific
  • 20% discount on spa services at select hotels in India
  • Up to 20% off F&B at Asia Pacific Marriott hotels, ex-India (max 10 guests)
  • Up to 15% off Marriott Bonvoy on Wheels orders
  • 1 room upgrade certificate (max 2 nights, India hotels)
  • 1 certificate for 30% off best available rate (max 2 consecutive nights)

▶︎ Swiggy One Membership (1 year)

  • Dineout restaurants: Up to 40% off, 2 monthly ₹150 coupons (on bills of ₹1500+)
  • Food delivery: Free delivery on ₹149+ orders, up to 30% extra discounts, no surge fees
  • Instamart groceries: Free delivery on ₹199+ orders, exclusive discounts, no surge fees
  • Genie: Flat 10% off delivery fees on all orders

Insurance Coverage

  • ₹2 crore accidental air death cover
  • ₹50 lakh overseas medical emergency coverage
  • ₹9 lakh lost card liability protection
  • ₹55,000 baggage delay coverage (8+ hours, international flights)

Additional Benefits

  • Exclusive Diners Club offers and privileges
  • Premium customer service with dedicated support lines


View More

Suitable For:

  • Frequent travelers who can maximize the value of reward points, and value lounge access 
  • High spenders who can easily reach annual fee waiver & quarterly milestones 
  • Golf enthusiasts who will utilize the complimentary rounds
  • Status-conscious individuals who appreciate premium metal cards

Consider Alternatives If:

  • Your annual card spending is low (won't justify ₹10,000 fee)
  • You primarily shop at local merchants with limited Diners acceptance
  • You rarely travel or use premium services (lounge access, golf)
  • You prefer simple cashback over reward points management
  • You want a card with no annual fee

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

ONE OF INDIA'S BEST CARDS IN MID-PREMIUM CATEGORY

HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
17.3% reward on hotels and select partners
✔︎
8.6% reward at select partners - Marks & Spencer, Myntra, Nykaa, Reliance Digital
✔︎
8.6% reward on flights, gift vouchers, holiday packages and select partners
✔︎
5.2% reward on train tickets
✔︎
1.7% reward on other spends
✔︎
Up to 2.1% additional reward based on quarterly/ annual card spending requirements
✔︎
Domestic airport lounge access (12 times per year), and international access (6 times per year)
Annual Fee

₹2500

Minimum Income

Salaried: ₹1.5 lakh/month | Self-employed: ₹18 lakh/year | Government: ₹1 lakh/month

Annual Fee Offers
  • Welcome offers : ₹2,500 voucher + Swiggy One + MMT Black Gold membership (spend ₹1 lakh in 90 days)
  • Renewal offer : Annual fee waived on ₹4 lakhs annual spend

Up to 17.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

  • 17.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
  • 8.6% (5X): Flights, buses, MakeMyTrip packages, gift vouchers, Apple, Myntra, Nykaa, Zoom Car
  • 5.2% (3X): IRCTC train tickets

▶︎ Regular Card Spending

  • 8.6% (5X): Marks & Spencer, Myntra, Reliance Digital, Nykaa (online/offline stores)
  • 1.7% (1X): All other eligible purchases

Important Exclusions: No reward points given on:

  • Rent & property management
  • Government transactions
  • Fuel purchases
  • EMI transactions
  • E-wallet loading

▶︎ Monthly Limits

  • Smartbuy accelerated rewards: 4,000 reward points (reached at ₹16,666 - ₹75,000 spending, depending on spending category mix)
  • Select partners (Marks &Spencer, Myntra, etc.): 5,000 reward points (reached at ₹37,500 spending)

▶︎ Redemption Value of 1 Reward Point

  • ₹0.65: Exclusive Gold Catalogue (premium brands via Smartbuy)
  • ₹0.50: Flight/hotel bookings via Smartbuy
  • ₹0.35: Vouchers and products
  • ₹0.20: Cashback to statement

Reward rates mentioned above assume redemption via Exclusive Gold Catalogue for maximum value

Up to 2.1% through Milestone Rewards 

▶︎ Quarterly Benefits:

  • ₹1,500 shopping vouchers at ₹1.5 lakh spend (from Marriott, Myntra, M&S, or Reliance Digital)

▶︎ Annual Benefits:

  • ₹5,000 flight voucher at ₹5 lakh spend
  • Additional ₹5,000 flight voucher at ₹7.5 lakh spend

▶︎ Maximum earning potential: ₹16,000 in milestone vouchers annually

Travel Perks

  • 12 complimentary domestic lounge visits per year
  • 6 complimentary international lounge visits per year
  • 2% forex markup on international transactions

Insurance Coverage

  • ₹1 crore accidental air death cover
  • ₹15 lakh overseas medical emergency coverage
  • ₹9 lakh lost card liability protection
View More

Benefits

  • Up to 17.3% reward rate possible SmartBuy Gold Catalogue redemptions
  • 5X rewards on popular partners (Myntra, Nykaa, Marks & Spencer, Reliance Digital)
  • 12 domestic + 6 international lounge visits annually
  • No spending threshold for lounge access (unlike many competitor cards in this range)
  • Priority Pass for add-on members too
  • 24/7 concierge services
  • Premium insurance coverage (₹1 crore air accident, ₹15 lakh medical)
  • Annual fee waived on ₹4 lakh spending (realistic for target audience)
  • ₹2,500 welcome voucher plus other welcome benefits effectively covers first year fee
  • Lower foreign currency markup (2%) compared to many premium cards

Drawbacks to consider 

  • Complex Rewards Structure: Multiple earning rates and associated monthly caps require understanding of categories
  • Different redemption values create confusion
  • Some high-value redemptions have limited options
  • 4,000 monthly cap on accelerated points can limit high spenders
  • Highest rewards tied to specific SmartBuy platform usage

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

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

HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Diners Club Privilege Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
13.3% reward on hotels and select partners
✔︎
6.6% reward on flights, gift vouchers, holiday packages and select partners
✔︎
6.6% reward on Swiggy & Zomato
✔︎
4% reward on train tickets
✔︎
1.3% reward on other card spends
✔︎
Domestic & international airport lounge access - 2 times per quarter
✔︎
Weekend movie tickets - 2 tickets (up to ₹250 each), per month
Annual Fee

₹1000

Minimum Income

Salaried : Net monthly income of ₹35,000 || Self-employed : Annual income of ₹6 lakh

Annual Fee Offers
  • Welcome offer: Annual memberships of Swiggy One and Times Prime
  • Renewal offer : Annual fee waived on ₹3 lakhs annual spend

Up to 13.3% reward through HDFC Smartbuy Platform

  • (10X) 13.3% reward: Hotels, select partners (Jockey, Pharmeasy, IGP.com)
  • (5X) 6.6% reward: Flights, bus tickets, MakeMyTrip holiday packages, gift vouchers, select partners (Apple, Myntra, Nykaa, Zoom Car)
  • (3X) 4% reward: IRCTC train tickets
  • Monthly limit: 4000 reward points, reached at monthly spend between ₹16,666 and ₹75000, depending on spending mix.

1.3% reward on other card spends

  • Exceptions: No reward points on rent, government transactions, fuel, EMI, e-wallet loading

Reward Point Values:

  • ₹0.50 per point: Flight/hotel bookings, privilege dining catalogue
  • ₹0.35 per point: Reward redemption catalogue
  • ₹0.20 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

6.6% reward at direct partners

  • Swiggy/Zomato: 6.6% rewards (not through SmartBuy platform)
  • Monthly limit: 2500 reward points, reached at ₹18,750 monthly spend

Up to 1% additional reward through quarterly milestone

  • ₹1.50 lakh spend: ₹1,500 voucher (1% additional reward)
  • Voucher options: Marriott, Decathlon, Barbeque Nation, O2 Spa, Lakme Salon

Domestic & international airport lounge access: 2 visits per quarter (both primary and add-on cardholders)

BookMyShow weekend movie offer

  • BOGO weekend tickets (Friday-Sunday shows)
  • 2 free tickets per month (up to ₹250 per ticket)

Comprehensive Insurance

  • Air accident: ₹1 crore coverage
  • Overseas hospitalization: ₹25 lakh emergency coverage
  • Travel insurance: USD 800 baggage delay (USD 10/hour, 8-hour cap)
  • Lost card liability: ₹9 lakh protection
View More

Benefits

  • One of the best cards in this segment — attractive benefits on select categories & partners through the 3X-10X rewards program
  • A wide variety of partners are available through gift vouchers on the HDFC SmartBuy platform.
  • Complimentary airport lounge access both in India and abroad
  • Free movie tickets on weekends (Buy 1 Get 1 Offer)

Drawbacks to consider

  • Cardholders get a high value for reward points only on travel redemptions (flights & hotels). Hence, the card is more suitable for frequent travellers only

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 

View More

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

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

View More

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)

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

Best HDFC credit card for online shopping

There is usually no single best card since this depends on a lot of factors like meeting the eligibility criteria, whether you spend at particular online outlets, and other personal factors. 

We have shortlisted some good options below for each segment. 

Best HDFC credit card for online shopping (annual fee up to ₹1000)

If you are looking for the best HDFC card for online shopping, Swiggy HDFC Bank Credit Card and HDFC Bank Millennia Credit Card are two of the best options in this segment. These cards are also among the best shopping credit cards in India.

Besides other benefits, they offer 5% cashback on popular e-commerce platforms like Amazon and Flipkart.

Let us compare these 2 cards in the table below-

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

Best HDFC credit card for online shopping (super-premium)

HDFC Bank INFINIA Credit Card, and HDFC Bank Diners Club Black Metal Edition Credit Card are the best super premium HDFC cards for online shopping. These cards are also among the best shopping credit cards in India.

These cards provide exceptional rewards on exclusive HDFC shopping partners listed on the HDFC SmartBuy platform like Nykaa and Jockey. 

One can either shop at these partners through the SmartBuy platform, or buy vouchers of shopping partners through the SmartBuy platform. 

A wide variety of shopping vouchers can be bought through the HDFC Smartbuy platform, this can help you earn high rewards on a wide variety of shopping spends.

Card Name Annual Fee Benefits

HDFC Bank INFINIA Metal Credit Card

Minimum Income

By Invite

 Annual Fee - ₹ 12500
  • Welcome Offer: ₹12500 + 1 year Marriott membership
  • Renewal Offer: Renewal fee waived at ₹10 lakh annual spend, else 12500 reward points worth ₹12500 on payment of renewal fee
 Special Benefits
  • 33.3% reward on hotels & select partners 
  • 16.6% reward on flights, gift vouchers, holiday packages, and select partners
  • 10% reward on IRCTC train tickets 
  • 3.3% reward on other card spends (certain exceptions apply)

Monthly limit: 15,000 accelerated reward points, reached at spending between ₹50,000 and ₹2.25 lakhs depending on spend categories

  • Unlimited domestic & international airport lounge access
  • Unlimited golf in India & abroad

HDFC Bank Diners Club Black Metal Credit Card

Minimum Income

Salaried: ₹2.50 lakhs per month | Self-employed: ₹30 lakhs per year

 Annual Fee - ₹ 10000
  • Welcome Offer: Annual memberships of Club Marriott, Amazon Prime and Swiggy One (on spending ₹1.50 lakhs within 90 days)
  • Renewal Offer: Annual fee waived on ₹8 lakhs annual spend
 Special Benefits
  • 33.3% reward on hotels, select partners
  • 16.6% reward on flights, holiday packages, select partners
  • 10% reward on gift vouchers, train tickets, select partners
  • 3.3% reward on other card spends

Monthly limit: 10,000 accelerated reward points, reached at spending between ₹33,333 and ₹1.50 lakhs (depending on spending categories)

  • Up to 2.50% additional rewards at ₹4 lakh quarterly card spend
  • Unlimited airport lounge access in India and abroad. 
  • Complimentary golf rounds worldwide - 24 per year

Best HDFC credit card for online shopping (premium category)

HDFC Bank Regalia Gold Credit Card and HDFC Bank Diners Club Privilege Credit Card are the best premium HDFC credit cards for online shopping.

 Like explained above, these cards can fetch you high rewards on various types of shopping purchases through the HDFC Smartbuy platform.

Card Name Annual Fee Benefits

HDFC Bank Regalia Gold Credit Card

Minimum Income

Salaried: ₹1.5 lakh/month | Self-employed: ₹18 lakh/year | Government: ₹1 lakh/month

 Annual Fee - ₹ 2500
  • Welcome offers : ₹2,500 voucher + Swiggy One + MMT Black Gold membership (spend ₹1 lakh in 90 days)
  • Renewal offer : Annual fee waived on ₹4 lakhs annual spend
 Special Benefits
  • 17.3% reward on hotels and select partners
  •  8.6% reward on flights, gift vouchers, holiday packages and select partners
  • 5.2% reward on train tickets

Monthly limit: 4,000 accelerated reward points, reached at spending between ₹16,666 and ₹75000 depending on spend categories

  • Up to 2.1% additional reward based on quarterly & annual card spending
  • Domestic airport lounge access - 12 times per year
  • International airport lounge access - 6 times per year

HDFC Bank Diners Club Privilege Credit Card

Minimum Income

Salaried : Net monthly income of ₹35,000 || Self-employed : Annual income of ₹6 lakh

 Annual Fee - ₹ 1000
  • Welcome offer: Annual memberships of Swiggy One and Times Prime
  • Renewal offer : Annual fee waived on ₹3 lakhs annual spend
 Special Benefits
  • 13.3% reward on hotels and select partners
  • 6.6% reward on flights, gift vouchers, holiday packages and select partners
  • 4% reward on train tickets

Monthly limit: 4,000 accelerated reward points, reached at spending between ₹16,666 and ₹75000 depending on spending categories

  • Domestic & international airport lounge access - 2 times per quarter. 
  • Weekend movie tickets  - 2 tickets (up to ₹250 each), per month

HDFC Tata Neu Credit Cards

If you shop and spend within the vast Tata Group ecosystem, then the two HDFC Tata Neu Credit Cards offer attractive rewards on shopping and other categories of spending like travel. 

These cards also offer rewards on UPI spending, in fact Tata Neu Infinity Card is one of the best UPI credit cards in India.

Card Name Annual Fee Benefits

Tata Neu Infinity HDFC Bank Credit Card

Minimum Income

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

 Annual Fee - ₹ 1499
  • Welcome offer: 1499 NeuCoins worth ₹1499
  • Renewal offer: Annual fee waived on ₹3 lakh annual spend
 Special Benefits
  • Up to 10% reward on select Tata brands through Tata Neu app
  • 5% reward on utility bill payments through Tata Neu app
  • 1.50% reward on UPI spends (on Rupay card version)
  • Domestic airport lounge access - 2 times per quarter 
  • International lounge access - once per quarter

Tata Neu Plus HDFC Bank Credit Card

Minimum Income

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

 Annual Fee - ₹ 499
  • Welcome offer: 499 NeuCoins worth ₹499
  • Renewal offer: Annual fee waived on ₹1 lakh annual spend
 Special Benefits
  • Up to 7% reward on Tata brand purchases on Tata Neu app. 
  • 2% reward on bill payments through Tata Neu app
  • 1% reward on UPI spends
  • Complimentary access to airport lounges in India (1 time per quarter)

HDFC Shoppers Stop Credit Cards

If you shop frequently at Shoppers Stop, then you should consider the two HDFC Shoppers Stop Credit Cards, especially the premium version of the card.

Card Name Annual Fee Benefits

Shoppers Stop Black HDFC Credit Card

Minimum Income

Salaried : ₹70,000 per month || Self-employed : ₹8.40 lakhs per year

 Annual Fee - ₹ 4500
  • Welcome Offer: Shoppers Stop vouchers worth ₹1500, Shoppers Stop Black membership worth ₹4500
  • Renewal Offer: Continued membership of Shoppers Stop Black membership worth ₹4500
 Special Benefits
  • 7% reward on all Shoppers Stop purchases up to ₹28570 per month
  • Complimentary Shoppers Stop Black membership worth ₹4,500
  • 2% reward on all other card purchases
  • Complimentary visits to airport lounges in India (4 times per quarter), as well as abroad (2 times per quarter)

Shoppers Stop HDFC Bank Credit Card

Minimum Income

Salaried : Net monthly income of ₹20,000 per month || Self-employed : ₹6 lakhs per year

 Annual Fee - ₹ 299
  • Welcome Offer: Shoppers Stop voucher worth ₹500, Shoppers Stop Silver Edge membership worth ₹350
  • Renewal Offer: Continued membership of Shoppers Stop Silver Edge membership worth ₹350
 Special Benefits
  • 3% rewards on all Shopper Stop purchases up to ₹16,666 per month
  • Complimentary Shoppers Stop Silver Membership worth ₹350
  • Low annual fee of ₹299

HDFC Shopping Credit Card - Application Process

After choosing a suitable HDFC shopping credit card, one can conveniently apply online. The process is quick and easy. 

You can click on the 'Apply Now' button given on each of the cards, which will take you to the official HDFC Bank website to complete the HDFC Shopping Credit Card application process in a few simple steps. With minimal documentation and a user-friendly interface, you can have your card approved quickly. 

You can also visit to your nearest HDFC Branch to complete the card application process.

Conclusion

As you can see, HDFC Bank Credit Cards provide some of the best rewards for online and offline shopping. However, the rewards for other major spending categories, like travel, can be low on some of the HDFC Shopping Credit Cards. 

To earn high rewards on travel purchases, you may want to explore the best travel credit cards in India. High-fuel spenders may like to look at some of the best fuel credit cards in India.

How Our Money Guide Works

  • Wide Range of Credit Cards: Our Money Guide brings together a wide range of credit cards from the industry. This helps you choose from a wider bucket and make informed decisions.
  • Quick & Easy Comparison: Our Money Guide makes it easy to compare credit cards on the most important parameters like fees, benefits, eligibility, and annual fee-related offers.
  • Expert Insights: Our Money Guide's team has deep experience in consumer finance. This helps you get honest reviews and trusted information on the most important decision-making parameters, helping you choose better.
  • Simplified Application Process: Our Money Guide website pages contain Apply Now buttons at relevant spots, which help you apply easily from the comfort of your home or office.

HDFC Bank Credit Cards - By Types

HDFC Bank Credit Cards - By Features

Credit Cards of Other Banks