HDFC Credit cards – 2021

Lifestyle and premium

HDFC Regalia First

• Fees
  • First-Year Membership Fee – Rs. 1000/- + Applicable Taxes, Renewal Membership Fee – Rs. 1000/- + Applicable Taxes
  • Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off)* Terms & Conditions Apply
  • Spend Rs. 1,00,000 in 12 Months and get Renewal Fee waived for next renewal year.

• Spend Based Milestones
  • Earn 5,000 Reward Points on annual spending of Rs. 3,00,000 or more in each anniversary year
  • Earn 7,500 Reward Points on annual spending of Rs. 6,00,000 or more in each anniversary year
  • Fulfillment: After completion of the card anniversary year.
  • So if you’re able to spend 6 Lakhs in a year, you can get a reward rate as good as 1.2%  – which is pretty good for a card of this range.

• Rewards
  You earn 4 reward points on Rs. 150, on all retail* spends including Insurance, Utilities, Education, and RentPay.
  • Enjoy Accelerated Reward Points
  • Get up to 5% cashback on your travel and shopping spends on SmartBuy
  • Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5000
    * No reward points are earned on fuel transactions
  • Best in Class Redemption Program
  • Flight and Hotel Bookings
  • Exclusive Catalogue of Premium Global brands
  • Curated Global Experiences

• Annual Spends Benefit 
  • Earn 5,000 Reward Points on annual spending of Rs. 3,00,000 or more in each anniversary year*
  • Earn additional  2,500 Reward Points on annual spending of Rs. 6,00,000 or more in each anniversary year*

• Comprehensive Protection
  • Accidental air death covers worth Rs. 50 lakhs
  • Emergency overseas hospitalization up to Rs. 10 lakhs in case of emergency
  • Credit Liability cover of up to Rs 5,00,000

Online 

HDFC Snapdeal Credit Card

• Annual Fee– Rs. 500 (spend Rs. 1,50,000 in a year and get next year fee waiver)

• Welcome Benefits
  • You will get a Snapdeal voucher worth Rs. 2000 and 500 reward points as a welcome gift.
  • Get a welcome benefit of Rs 500 Cash Back for the first transaction on Snapdeal.
  • Earn 500 reward points as a welcome gift.
  • Get Snapdeal vouchers of Rs 2000 as a welcome benefit within a period of 30 days from the date of issue of the card.

• Potential Annual Savings
  • Savings of Rs. 5000 by just spending 60,000 online (60000/150*20*0.25 +60000*5/100)
  • Savings- 8.33% (5000/60000*100)
  • Saving of Rs. 8333 on annual online expenses of Rs. 1 Lakh (100,000/150*20*0.25+100000*5/100)
  • Savings- 8.33% (8333/100000*100)

• Reward Ratio & Redemption
  • Earn 20 Reward Points per Rs 150 on spend on Snapdeal.
  • 10X reward point for shopping on Snapdeal and purchases through SmartBUY
  • Each reward point is worth Re. 0.25
  • Redeem rewards points for
  • Products at HDFC MyRewards catalog
  • Purchasing Snapdeal vouchers

• Key Benefits
  • 1% fuel surcharge waiver
  • Free accidental death insurance up to Rs. 50 lacs
  • Fire and burglary protection (goods above Rs. 5000 for 180 days)
  • Earn a flat 5% discount on purchases made through the snap deal web portal with the credit card.
  • Earn additional 10X reward points – Get 20 reward points on spending Rs 150 on the snap deal website.
  • Get a 5% instant discount for every transaction of Rs 2000 or more on Snapdeal.
  • The cardholder can earn 10X reward points on shopping using the credit card and on purchases through Smartbuy.

Millennia Credit Card HDFC 

• Annual Fee
  • Rs 1000+GST
  • Renewal fee- Rs 1000+GST
  • Finance charge- 3.49% per month
  • Cash advance fee- 2.5% of the amount withdrawn
  • Over-limit charges- 2.5% of the over-limit amount
  • Reissue of the card in case of lost or stolen- Rs 100
  • Cash processing fee- Rs 100
  • Balance transfer fee- 1% of the balance transfer amount

• Card Type
  • Rewards
  • Shopping & Cashback
  • LifeStyle
  • Low fee

• Key Benefits
  • 1,000 cash points as a welcome benefit
  • 5% Cashback on Flipkart & Amazon
  • 5% Cashback on Flight & Hotel bookings if payment is done through PayZapp or SmartBuy
  • 5% Cashback on online spends
  • 1% Cashback on all offline transactions
  • 8 free domestic airport lounge visits
  • 1,000 gift voucher on spending Rs. 1.00 lakh in a calendar quarter in the first year
  • Membership and renewal fee waiver

• Welcome Benefits: Cashback and Gift Voucher
  • 1,000 Cash Points (Reward Points) on payment of the membership fee
  • Rs. 1,000 gift voucher on spending at least Rs. 1.00 lakh in a quarter (Valid during the first year only)
  • For the first six months, earn up to Rs. 1,000 per month as cashback via PayZapp and SmartBuy (Maximum Monthly Cashback Limit will be Rs. 750 after 6 months)

Travel

HDFC Diners Black Credit Card

• Fees
  • Joining fee  Rs.10,000
  • Renewal fee Rs.5,000
  • Interest rate 1.99% per month

• Welcome benefits: You receive complimentary annual memberships from Club Marriott, Forbes, Amazon Prime, etc. when you complete your first transaction with the card.

• Annual benefits: You receive complimentary annual memberships once you spend Rs.8 lakh within 12 months from the date on which the card was issued.

• Monthly milestone benefits: Whether you are a new HDFC Bank Diners Club Black Credit Cardholder or an existing holder, you can choose any two monthly vouchers from TataCLio or BookMyShow or Ola Select Membership worth Rs.500 per month provided you spend Rs.80,000.

• Reward Points Programme
  • Earn 5 reward points for every Rs.150 spent on the card except on fuel transactions.
  • The accrued reward points can be redeemed for air tickets or hotel bookings made through the HDFC Diners Club website.
  • Reward points can also be redeemed for air miles across various airlines and for gifts and rewards listed in the exclusive reward redemption catalog for Diners Club Black Credit Card.

• Travel Benefits offered by HDFC Diners Club Black Credit Card
  • You can book air tickets or make hotel reservations across 150 airlines and hotels (international as well as domestic).
  • You can redeem reward points for booking air tickets or making hotel reservations across a variety of options (international as well as domestic).
  • One reward point is equal to one rupee.
  • You can redeem reward points for Airmiles across a variety of airlines such as British Executive Club (Avios), Singapore Airlines (KrisFlyer Miles), Club Vistara, and Jet Airways (JPMiles). Make sure that you complete the frequent flyer registration via net banking before attempting to redeem your air miles.
  • Your card can be used internationally and you can also increase your international daily limit via net banking.
  • You get unlimited access to 800+ airport lounges across the globe. The access is complimentary for primary cardholders as well as add-on cardholders.

• Travel cover
  • Air accidental death coverage of Rs.2 crore.
  • Credit liability cover of up to Rs.9 lakh.
  • Emergency overseas hospitalization of Rs.50 lakh.
  • Travel insurance covers up to Rs.55,000 on baggage delay.

• Preferential financial benefits
  • Low foreign currency markup of Rs.1.99%.
  • Up to 50 days of interest-free credit.
  • Convenience fee waiver of 1% on all fuel transactions. 

• Wellness benefits
  • HDFC Bank Diners Club Black Credit Cardholders get access to exclusive discounts at major salons, spas, gyms, etc.
  • Salon/Spa: The salons and spas you can access and avail discounts at with your HDFC Bank Diners Club Black Credit Card include Four Fountains De-Stress Spa, Tattva Spa, VLCC, Jean Claude Biguine, Enrich Salons & Academy, and O2 Spa.
  • Spa Resort: The spa resorts at which you can avail of discounts with your HDFC Bank Diners Club Black Credit Card include Tree of Life, Neemrana Fort Palace Rajasthan, Red Earth Kabini, Kairali, Tijara Fort Palace Rajasthan, Shreyas Retreat Bangalore, and NaturOville Vedic Retreat Rishikesh.
  • Nutrition: The nutrition centers where you can avail of discounts using your HDFC Bank Diners Club Black Credit Card include Grow Fit, Gympik, Calorie Care, and Healthie.
  • Fitness: The fitness centers where you can avail of discounts using your HDFC Bank Diners Club Black Credit Card include Golds Gym, Cult.fit, Krus Gethin, and Anytime Fitness.
  • Online doctor consultation: You can avail of discounts on DocsApp using your HDFC Bank Diners Club Black Credit Card.

• Gold program:
  • Get six complimentary golf games per quarter on golf courses across the globe.
  • The HDFC Bank Diners Club Black Credit Card provides 24-hour Golf Concierge Assistance services access.

• Concierge
  • The HDFC Bank Diners Club Black Credit Card offers exclusive 24×7 concierge services on the following:
  • Golf course referral as well as reservation assistance
  • Gift and flower delivery assistance
  • Limousine referral and car rental and assistance
  • Business services
  • Hotel reservation and referral assistance
  • Courier service assistance

JetPrivilege HDFC Bank Signature / World

• Pricing
  • Joining and Renewal Fee:  Rs 2500+GST
  • Network:  MasterCard
  • Card Type: Travel,  Premium, LifeStyle

• Welcome Gifts
  •  As a welcome gift get up to 7500 JP Miles
  •  Get renewal benefit of 3000 JP Miles 

• Rewards
  • Spend a minimum of Rs 150 on retail expenses and get 6 JP Miles
  • Spend a minimum of Rs 150 on flight booking and get 18 JP Miles
  • Get 3x bonus points on your flight booking through Jet Airways.

• Features
  • Spend a minimum of Rs 3 lac and get the renewal fee waived off for the next year. Get fuel surcharge fee of 1% across India
  • This card is embedded with a small microchip to make your transaction more secure
  • In case of loss or damage of your card report instantly to 24×7 assistance and get zero liability on any fraudulent transaction made on your card.
  • Get an interest-free credit period of up to 50 days.
  • Add any 3 of your family members with Add-On card facility
  • Spend a minimum of Rs 2 Lac and get 1 JP Tier Point
  • Get access to the best lounge program across all airports in India
  • Get 4 complimentary lounge visits per quarter.

• Priority Pass Membership
  • Get complimentary enrollment worth $99 into the Priority Pass Programme
  • Get access to more than 600 Airport Lounges globally.
  • The primary cardholder can get up to 5 free visits to the International Lounges per year. Privileges on Jet Airways
  • Get up to 5% discount on your all domestic booking.
  • Enjoy premier check-in for all domestic flights of JetAirways
  • Get complimentary excess Baggage Allowance of 10Kgs in Premiere and 5Kgs in Economy

• Renewal Benefit
  • Get complimentary Jet Airways base fare waived Ticket Code for domestic travel on Jet Airways across India
  • Get a discount voucher code worth Rs 750 on return tickets

6E REWARDS XL- INDIGO HDFC BANK CREDIT CARD

• Pricing
  • Joining Fees- Rs 2500+GST
  • Annual Fees- Rs 2500+GST
  • Add-on card fees- Nil
• Network: MasterCard
• Card Type: Travel, Premium, Rewards

• Welcome Gifts
  • Get 1 complimentary 6E Prime voucher which includes benefits of priority check-in, book seat of your choice, a complimentary meal, and a quicker baggage claim.
  • Get 1 complimentary IndiGo base fare ticket voucher worth ₹ 3,000 when you complete 3 transactions or more in each of the first 3 months after the card issuance

• Rewards
  • Get 5% 6E Rewards on transactions done through the IndiGo website, mobile app, and other platforms.
  • Get 3% 6E Rewards on Grocery, Dining, and Entertainment spends.
  • Get 2% 6E Rewards on all other spends
  • Get 15% 6E Rewards from featured partners
  • The rewards are accrued with a minimum spend of Rs 100

• Features
  • Get 8 Complimentary Domestic Lounge accesses per annum
  • Get a convenience fee of Rs 100 per person on domestic flight bookings done via Indigo on any platforms
  • One of the country’s largest airlines and India’s No. 1 bank have come together to provide you with a true airline service where all of your spendings gets transformed into IndiGo flights.
  • Get 1% Fuel surcharge waiver on a minimum spend of Rs 400 to a maximum waiver of Rs 500 per statement cycle
  • Through the Master Lounge Program, primary cardholders can get 8 complimentary lounge access per calendar year
  • A fee of Rs 2 is charged for lounge access
  • Enjoy the Good Food Trail Dining program at premium restaurants across the selected cities

HDFC Diners ClubMiles

• Fees and Charges
  • First-year and renewal Membership Fee – Rs. 1000/- + Applicable Taxes
  • Welcome Benefit of 1000 Reward Points and Renewal Benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off.)* Terms & Conditions Apply
  • Spend Rs. 1L in 12 Months and get Renewal Fee waived for next renewal year

• Miles Exchange
  • Earn 4 Reward Points for every Rs. 150/- spent
  • Redeem Reward Points for Miles with leading International and Domestic airlines and hotels.
  • 1 Reward Point = 1 AirMile

• Travel benefits:
  • Book Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at hdfcbankdinersclub.in
  • Enable your Credit Card for International usage and even upgrade your international daily limit, effortlessly, through NetBanking.
  • Sit back and relax in leading lounges across the world through the Exclusive Lounge Program
  • Up to 6 Complimentary access to 1000+ Lounges Worldwide in a calendar year
  • Terms & Conditions Apply. Lounge access is Complimentary only for the Primary Card Holder

• Lifestyle benefits:
  • Dining Offers
    Embark on a delectable journey where you can enjoy a 15% discount or other benefits at the finest restaurants. With exclusive offers and rewards in every bite, gift yourself and your family an enjoyable dining experience.
  • Global Dining Offers
    Revel in special Diners Club rewards and world-class experiences in dining, travel, and entertainment. Diners Club International offers cardmembers Privileges in dining, travel, entertainment, and shopping in over 70 countries and territories.
  • Reward Points
  • Earn 4 Reward Points for every Rs. 150/- spent
  • Redeem Reward Points on exclusive Reward Redemption Catalogue for HDFC Bank Diners Club miles Credit Cards.
  • Redeem reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.in (1 Reward Point = Re 0.50 )

HDFC Diners Club Privilege 

• Fees and Charges:
  • Annual Membership fee – Rs. 2500 + Applicable Taxes
  • Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year.
  • Revolving Credit on your Credit Card at an interest rate of 3.6% per month.
  • Lowest Foreign Currency Markup of 1.99%

• Welcome Benefits:
  • Complimentary annual memberships from the above partners can be availed upon spending Rs. 75,000 within the first 90 days or upon joining fees realization. Terms and conditions applicable.

• Annual Benefits:
  • Complimentary annual memberships can be availed upon achieving an annual spend milestone of Rs 5 Lakhs at the time of Card Anniversary.

• Rewards
  • Earn 4 Reward Points for every Rs. 150/- spent
  • 1 RP = Rs.0.50 for Hotels/Flights(1.3% Reward Rate)
  • 2 RP = 1 Airmile(~1.3% Reward Rate)
  • Accelerated Rewards: 10X Rewards – Smartbuy + Diners Partners (13% Reward Rate)

             Note: Max. Cap for 10X Diners Partners is 10,000 compared to 5000 for Club Miles.

• Milestone Rewards
  • Monthly Milestone: Complimentary choice of any 1 voucher can be availed amongst Ola Select membership or BookMyShow or TataCLiQ worth Rs. 500 every month on spends of Rs. 40,000 in a calendar month
  • Yearly Milestone: Complimentary annual memberships can be availed from the below partners upon achieving an annual spend milestone of Rs 5 Lakhs at the time of card anniversary. Zomato Gold, Amazon Prime, MakeMyTrip Double Privilege, Times Prime, BigBasket Star.
  • Benefits:
    • Airport Lounge Access
      • Domestic & International: 12 Complimentary access / Calendar year
      • Above limits are shared with add-on cards as well.
    • Golf Privileges
      • 2 Complimentary Golf Games per Quarter
    • Foreign Exchange Markup fee
      • 99% + GST (get additional 1% cashback by enabling Global Value Program)
    • Credit Shield:9 Lakhs

Infinia Credit Card

• Pricing
  • Joining Fee: Rs 10,000.
  • Renewal Fee: Rs 10,000.
  • The renewal fee can be waived off if the spending is Rs 8,00,000 within a period of 12 months.
  • If the renewal fee is levied then 10000 reward points are credited to the customer’s account.

• Welcome Gifts
  • Get Inner Circle Gold membership as a part of a welcome gift.

• Rewards
  • Get 5 reward points on the spending of every Rs 150.
  • Get 2X reward points that are 10 reward points on every spending of Rs 150 for bookings on www.hdfcbankinfinia.com or spending on dining at stand-alone restaurants or by booking flights on www.airvistara.com.

• Features
  • Premium Travel and Lifestyle Privileges
  • Personal Global Concierge
  • Complimentary golf games
  • Exclusive Dining Privileges.
  • Get Complimentary insurance for Accidental Death in case of an air accident the nominated kin will be eligible to receive Rs 3 crore.
  • Medical Emergency Cover: Get Rs 50,00,000 protection against any medical emergency when the cardholder is traveling outside India.
  • Credit Shield: In case of death, an outstanding amount to the extent of Rs 9,00,000 is covered under the card.
  • The cardholder can earn up to 10 club Vistara points on every Rs 100 spending on All Vistara Flights.
  • Get Lounge access across the selected airports.
  • Get an additional 10 kg baggage allowance.
  • Get a guaranteed reservation in economy class.

Fuel 

IndianOil HDFC Bank Credit Card

• Fees and charges
  • Joining/Renewal Fees- Rs 500+GST, Renewal fee waived on spends of Rs. 50,000 in a year prior to the renewal date.
  • Cash Advance Fee- 2.5%, Minimum Rs 500
  • Minimum Repayment amount- 5% or Minimum Rs 200
  • Cash advance limit- 40% of the credit limit
  • Overlimit charges- 2.5% of the over-limit amount
  • Payment return charges- 2% of the payment amount
  • Cash processing fees- Rs 100
  • Reward redemption fees- Rs 99 per redemption request.
  • Balance Transfer Fees- 1% of the balance transfer amount

• Key Features
  • Earn up to 50 Litres of Free fuel annually
  • Earn 5% of your spending as Fuel Points at IndianOil outlets (Max 250 Fuel Points per month in the first 6 months, Max 150 Fuel Points post 6 months from card issuance)
  • Earn 1 Fuel Point for every ₹150 spent on all other purchases
  • Earn 5% of your spending as Fuel Points on Groceries and Bill Payments (Max 100 Fuel Points per month on each category)

• Additional Features
  • Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
  • Revolving Credit: Enjoy Revolving Credit on your IndianOil HDFC Bank Credit Card at a nominal interest rate. Please refer to the Fees and Charges section.
  • Zero liability on lost card: In the unfortunate event of you losing your IndianOil HDFC Bank Credit Card, report it immediately to our 24-hour call center. After reporting the loss, you have zero liability for any fraudulent transactions made on your Credit Card.
  • Interest-Free Credit Period: Up to 50 days of interest-free period on your IndianOil HDFC Bank Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations across India
    ​​​​​​​(on minimum transaction of ₹400. Max CashBack of ₹250 per statement cycle)
  • Milestone Benefit: Spend ₹20000 & above in the first 90 days and get the first-year membership fee waived off.
  • Renewal Offer: Spend ₹50,000 and above in the first year and get a waiver on the renewal membership fee
  • Smart EMI: IndianOil HDFC Bank Credit Card comes with an option to convert your big spending into EMI after purchase.

• Reward Point/CashBack Redemption & Validity
  • Fuel Points Accrual :
    • Fuel Point is an exclusive Rewards metric system created only for IndianOil HDFC Bank Credit Cardholders.
    • Earn Fuel Points on retail spends with the IndianOil HDFC Bank Credit Card
    • Earn accelerated 5% Fuel Points on spends at IndianOil outlets, Groceries, and Bill payments.
      (Accelerated 5% Fuel Points benefit will be given only for fuel transactions on IndianOil Retail Outlets. Fuel transactions on all other Fuel Outlets will get 1 Fuel Point for every Rs. 150/- spent)
  • Fuel Point Redemption :
    • Redeem Fuel Points for Free Fuel using the complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership. Redemption at participating IndianOil Petrol Outlet by converting Fuel Points into XRP (where 1 FP = 96 Paise)
    • To locate your nearest IndianOil Petrol Outlet
    • Redeem Fuel Points through NetBanking towards catalog products (where 1 FP = 20 Paise)
    • Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (Cashback Redemption against Statement balance where 1 FP = 20 Paise)
  • Validity:
    • Fuel Points are valid for a period of 2 years.

Fuel and cashback rewards

MoneyBack Credit Card

• Fees and charges
  • Joining/Renewal Membership Fee – Rs. 500/- + Applicable Taxes

• Welcome Benefit
  • 500 Cash Points (applicable only on payment of membership fee)

• Key Features
  • Earn 2 Reward Points on every Rs 150 spent
  • Earn 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online*
  • Every quarter, get a gift voucher worth Rs. 500 on spends of Rs 50,000. Earn up to Rs. 2,000 worth of gift vouchers in a year. Click here for more details.​​​​​​​

• Additional Features
  • Zero Cost liability: In the unfortunate event of losing your HDFC Bank EasyEMI Card, on reporting it immediately to our 24-hour call center, you have zero liability on any fraudulent transactions made on your Credit Card.
  • Interest-Free Credit Period: Up to 50 days of interest-free period on your HDFC Bank MoneyBack Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
  • Revolving Credit: Enjoy Revolving Credit on your HDFC Bank MoneyBack Credit Card at a nominal interest rate.

• Fuel Surcharge Waiver
  • 1% fuel surcharge waiver at all fuel stations across India
    (on minimum transaction of ₹ 400. Max CashBack of ₹ 250 per statement cycle)

• Milestone Benefit
  • Spend ₹20000 & above in the first 90 days and get the first-year membership fee waived off.

• Annual Spend based benefit
  • Spend ₹50,000 and above in each calendar quarter and get ₹500 worth of gift vouchers

• Renewal Offer
  • Spend ₹50,000 and above in the first year and get the renewal membership fee waived off

• Smart EMI
  • HDFC Bank MoneyBack Credit Card comes with an option to convert your big spending into EMI after purchase.

• Reward Point/CashBack Redemption & Validity
  • Reward Points Accrual:
    • Reward Points accumulated on HDFC Bank MoneyBack Credit Card can be redeemed against statement balance at the rate of 1 RP = ₹0.20
  • Reward Point Redemption:
    • Reward Points can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.25
    • Reward Points can also be redeemed against statement balance. Minimum balance of 2500 Reward Point required, redeemable in multiples of ₹500 only.
  • Reward Points Validity:
    • Reward Points earned on your HDFC Bank MoneyBack Credit Card are valid only for 2 years from the date of accumulation.

Disclaimer

We give details according to specific bank data. But remember before going to pick up anyone’s Credit card must visit the respective Bank’s website. Check the details of the card like Fees, Interest rate, Rewards, etc. because it maybe changes. Hence you need to be aware of the changes happening in most out of your credit cards.

The information and services included on this Web site may include discrepancies. Paidkiya will not be liable/responsible for any decision that you may take based on such inaccurate information. Changes are periodically added to Bank’s websites.