Best HDFC Credit Cards 2024
15 May 2024 5 mins Credit Cards
India's financial landscape has seen tremendous growth in the credit card sector, with HDFC Bank at the forefront. As the leading credit card issuer in the country, HDFC Bank offers a diverse range of credit cards tailored to various needs and lifestyles. Whether you're a frequent traveler, a shopping enthusiast, or a dining aficionado, HDFC Bank has a credit card perfect for you.
In this blog, we will explore the best HDFC Bank Credit Cards of 2024, offering exceptional value for money. Let's dive into the top HDFC Bank Credit Cards and find the one that best suits your needs.
Learn about the special advantages that HDFC Bank Credit Cards have in store for you. Here's all you need to know about contactless payments and welcome benefits
Welcome Benefits: Simply register and use your HDFC Bank credit card to receive rewards. Additionally, get rewards for reaching annual expenditure milestones.
SmartEMI: For simple repayment, convert purchases costing at least Rs. 2,500 into SmartEMIs. Take advantage of flexible repayment terms and competitive interest rates.
Contactless Payments: Use our contactless credit cards to make secure, quick payments. For instantaneous transactions, simply tap your card at participating merchants.
Foreign Currency Markup: With certain HDFC Bank Credit Cards, you may shop abroad and save money with the least amount of foreign currency markup.
Benefits related to insurance: A number of HDFC Bank credit cards come with free insurance, which includes protection against air travel accidents and emergency medical treatment overseas.
Revolving Credit Facility: HDFC Bank Credit Cards give you access to revolving credit facilities at affordable interest rates. For more information, see the MITC.
Airport Lounge Access: Certain credit cards grant free entry to airport lounges, both domestically and internationally.
Zero Lost Card Liability: You can relax knowing that in the event of a credit card loss, you are covered. To prevent being held responsible for fraudulent transactions, report it to our round-the-clock phone center.
Take advantage of the benefits that come with using a credit card. Investigate Credit Cards from HDFC Bank Now!
Top HDFC Bank Credit Cards of 2024
1. Diners Club Black Metal Edition Credit Card
A premium card with high rewards, the Diners Club Black Metal Edition is ideal for frequent travelers and high-spenders. Key benefits include:
- Unlimited airport lounge access
- 6 free golf games quarterly worldwide
- Complimentary annual memberships (Club Marriott, Amazon Prime, Swiggy One)
- 10,000 Bonus Reward Points on ₹4 lakh spends per quarter
- 2x Reward Points on weekend dining
- 5 Reward Points for every ₹150 spent
- Up to 10x Reward Points via SmartBuy
- 2% cashback on foreign currency spends
- Comprehensive travel and accident insurance
Joining Fee: ₹10,000
Annual Fee: ₹10,000
Eligibility: Net monthly income > ₹1.75 lakh
2. HDFC MoneyBack+ Credit Card
Perfect for everyday spending, the HDFC MoneyBack+ Credit Card offers attractive cashback rewards:
- 10x CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, Swiggy
- 5x CashPoints on EMI spends
- 2 CashPoints per ₹150 on other spends
- ₹500 gift voucher on ₹50,000 quarterly spends
- 20% discount on partner restaurants via Swiggy Dineout
Joining Fee: ₹500
Annual Fee: ₹500
Eligibility: Gross monthly income > ₹20,000
3. HDFC Millennia Credit Card
A popular choice for millennials, the HDFC Millennia Credit Card offers significant cashback benefits:
- 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato
- 1% cashback on other spends (excluding fuel)
- ₹1000 gift vouchers on ₹1,00,000 quarterly spends
- Up to 20% discount on partner restaurants via Swiggy Dineout
- Interest-free period up to 50 days
- Free airport lounge access vouchers as a quarterly milestone benefit
Joining Fee: ₹1,000
Annual Fee: ₹1,000
Eligibility: Gross monthly income > ₹35,000
4. Tata Neu Infinity HDFC Bank Credit Card
A premium co-branded card, the Tata Neu Infinity HDFC Bank Credit Card offers extensive benefits:
- 5% back as NeuCoins on Tata Neu and partner brands
- 1.5% back as NeuCoins on non-Tata brand spends and EMI
- 1.5% back as NeuCoins on UPI spends
- Additional 5% back as NeuCoins on select categories
- 8 free domestic lounge accesses per year
Joining Fee: ₹1,499
Annual Fee: ₹1,499
Eligibility: Net monthly income > ₹1 lakh
5. Marriott Bonvoy HDFC Bank Credit Card
Ideal for Marriott Bonvoy program enthusiasts, this co-branded card offers:
- Free night award on joining fee realization
- 10 Elite Night Credits (ENCs)
- Complimentary Silver Elite Status
- 8 Marriott Bonvoy Points per ₹150 spent at Marriott hotels
- 4 Points per ₹150 on travel, dining, entertainment
- 2 Points per ₹150 on other spends
- 2 free golf access passes per quarter
Joining Fee: ₹3,000
Annual Fee: ₹3,000
Eligibility: Gross monthly income > ₹1 lakh
Choosing the Best HDFC Bank Credit Card
To select the best HDFC Bank credit card, consider the following factors:
- Spending Habits: Analyze where you spend the most—travel, shopping, dining—and choose a card that offers maximum rewards in those categories.
- Rewards Program: Evaluate the ease of earning and redeeming reward points and if the rewards align with your interests.
- Annual Fee: Consider if the benefits outweigh the annual fee.
- Additional Perks: Look for extra benefits like lounge access, insurance, and golf privileges.
By assessing these factors, you can find the HDFC Bank credit card that best matches your lifestyle and financial goals.
Bottom Line
HDFC Bank credit cards cater to diverse lifestyles and needs, offering exclusive travel perks and exciting cashback rewards. By understanding your preferences and comparing options, you can maximize the benefits of your HDFC Bank credit card for a financially rewarding experience. Explore the best HDFC Bank Credit Cards today and start enjoying their amazing benefits!
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