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

Shoppers Stop Black HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Reward on Shoppers Stop purchases - on purchases upto ₹28570 per month
✔︎
Upto 4% additional reward, through 'weekend offer' program - 5 times a year (maximum once per month)
✔︎
Complimentary access to airport lounges in India (4 times per quarter), and abroad (2 times per quarter)
✔︎
Complimentary First Citizen Black membership worth ₹4500.
Annual Fee

₹4500

Minimum Income

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

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

BEST FOR SHOPPING/SPENDING AT VARIOUS TATA BRANDS

Tata Neu Infinity HDFC Bank Credit Card

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

₹1499

Minimum Income

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

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

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

Swiggy HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Cashback on Swiggy apps (Food ordering || Instamart || Dineout || Genie) – on purchases upto ₹15000 per month
5%
Cashback on online purchases across various categories (including Amazon and Flipkart) – on purchases upto ₹30,000 per month
Annual Fee

₹500

Minimum Income

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

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

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

HDFC Bank Millennia Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback at 10 partners, including Amazon || Flipkart || Myntra || Tata Cliq - on total purchases upto ₹20,000 per month
Upto 1%
Milestone benefit : ₹1000 gift voucher OR lounge access voucher - at ₹1 lakh quarterly card spend
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹1000

Minimum Income

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

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

GOOD REWARDS AT SELECT PARTNERS, INCLUDING AMAZON AND FLIPKART

HDFC Bank MoneyBack+ Credit Card

Our Rating 3.75
Top Reasons to Choose
3.3%
Cashback at select partners - Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy
Upto 1%
Additional milestone benefit : ₹500 gift voucher at ₹50,000 quarterly card spend
✔︎
Annual fee for previous year is waived off at ₹50,000 annual card spend
✔︎
0.33% cashback on UPI spends (only on Rupay variant of HDFC Bank MoneyBack+ Credit Card)
✔︎
Dining benefits (HDFC Swiggy Dineout Program) – 7.50% discount (upto ₹250 per order), twice a 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, on payment of 1st year annual fee
  • Renewal offer : Annual fee not charged at ₹50,000 yearly card spend

STARTER CARD FROM HDFC, LOW MINIMUM INCOME REQUIREMENTS

HDFC Bank Freedom Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Starter 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)
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

Complimentary Times Prime membership || Offers at a variety of partners

HDFC Bank Times Platinum Credit Card 

Our Rating 3.75
Top Reasons to Choose
✔︎
Complimentary Times Prime membership, remains valid if you conduct at least 1 card transaction each quarter
✔︎
50% discount on movie tickets via BookMyShow, upto ₹600 per month
✔︎
Complimentary 6 months Eazydiner membership. 15% discount (upto ₹1500), on Eazydiner via PayEazy
✔︎
Upto 20% discount (online & offline) at select partners, through Times Card WebApp
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
Annual Fee

₹1000

Minimum Income

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

Annual Fee Offers
  • Welcome offer : Welcome vouchers worth ₹5000 across shopping, apparel, dining and more || Complimentary Times Prime membership worth ~ ₹1000
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2.50 lakhs or more in the previous year

Complimentary Times Prime membership || Offers at a variety of partners

HDFC Bank Times Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Complimentary Times Prime membership worth approximately ₹1000, remains valid if you conduct atleast 3 card transaction each quarter
✔︎
25% discount on movie tickets via BookMyShow, upto ₹350 per month
✔︎
10% discount (upto ₹1500), on Eazydiner via PayEazy
✔︎
Upto 20% discount (online & offline) at select partners, through Times Card WebApp
Annual Fee

₹500

Minimum Income

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

Annual Fee Offers
  • Welcome offer : Welcome vouchers worth ₹5000 across shopping, apparel, dining and more || Complimentary Times Prime membership worth approximately ₹1000
  • Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year

BEST FOR SHOPPING AT SHOPPERS STOP

Shoppers Stop HDFC Bank Credit Card

Our Rating 3.50
Top Reasons to Choose
3%
Rewards on all Shopper Stop purchases
✔︎
Low fee of ₹299
✔︎
Complimentary Shoppers Stop Silver Membership worth ₹350
✔︎
Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
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 of ₹500 || Complimentary Shoppers Stop Silver Edge membership worth ₹350

BEST FOR SPENDING AT PARTNER TATA BRANDS

Tata Neu Plus HDFC Bank Credit Card

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

₹499

Minimum Income

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

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

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

HDFC Bank INFINIA Credit Card

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

₹12500

Minimum Income

By Invite

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

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

HDFC Bank Diners Club Black Metal Edition Credit Card

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

₹10000

Minimum Income

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

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

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

HDFC Bank Regalia Gold Credit Card

Our Rating 3.75
Top Reasons to Choose
10X
17.3% reward (10X) on the following card spends via HDFC Smartbuy platform – hotels || select partners (Jockey and IGP.com)
5X
8.6% reward (5X) on the following card spends via HDFC Smartbuy platform – flights || bus tickets || gift vouchers || select partners (Myntra, Apple Imagine Tresor, Nykaa, Zoom Car)
5X
8.6% reward (5X) at select partners – Marks & Spencer || Myntra || Reliance Digital || Nykaa (both online and offline spends)
3X
5.2% reward (3X) on the following card spends via HDFC Smartbuy platform – railway bookings at IRCTC
X
1.7% reward (X) on all other card spends
✔︎
Upto 2.1% additional reward through the quarterly and annual milestone program
✔︎
Complimentary airport lounge access both in India (12 times per year), and abroad (6 times per year)
✔︎
Welcome benefits, including complimentary Club Vistara Silver membership and complimentary MakeMyTrip Black Elite membership
Annual Fee

₹2500

Minimum Income

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

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

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

HDFC Bank Diners Club Privilege Credit Card

Our Rating 3.75
Top Reasons to Choose
10X
13.3% reward on hotels bookings || at select partners : IGP.com & Jockey (only via HDFC Smartbuy platform)
5X
6.6% reward on flights & bus bookings || gift voucher purchases || at select partners : Apple, Nykaa, Zoom Card (only via HDFC Smartbuy platform)
5X
6.6% reward at Swiggy & Zomato spends
3X
4% reward on Flipkart purchases || rail ticket bookings (only via HDFC Smartbuy platform)
X
1.3% reward on all card spends
✔︎
Complimentary airport lounge access both in India and abroad - 2 times per quarter
✔︎
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow - 2 free tickets (upto ₹250 each) per month
Annual Fee

₹2500

Minimum Income

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

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