HDFC Credit Card Benefits - Check Features & Benefits of HDFC Credit Card

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HDFC Bank is the largest private sector bank in India in terms of sales value, market capitalisation, and network. In fact, HDFC Bank is one of the largest issuers of credit cards in India. With over 20,000 ATMs and 7,500+ branches across more than 3,800 cities, HDFC Bank has issued over 1.5 crore credit cards, as of 2020.

HDFC credit cards are an attractive option for many because they offers a host of benefits that blend convenience with great value. Read on to find out more about the various HDFC Credit Card benefits and charges.

Key Features and Benefits of HDFC Credit Cards

Great Rewards System

Every time you use your HDFC Credit Card for transactions, you earn reward points. These points can be redeemed for great offers leading to major savings.

Interest-free Credit

One of the best HDFC Credit Card benefits is that it offers a grace-period between a transaction and the repayment date. The bank charges no interest if you pay on or before the repayment due date, or even before the grace period ends.

Complimentary Insurance

With an HDFC Bank Credit Card, you are entitled to accidental death cover as well as burglary and fire cover on certain items. You can avail the complimentary insurance if you buy these products using your HDFC Credit Card and certain minimum spending requirements are fulfilled.

Great Travel Benefits

You also get a range of travel benefits, such as lounge access, baggage allowance, complimentary flight tickets, extra air miles, and much more. This makes HDFC credit cards especially attractive to frequent travellers.

Improve Your Credit Score

Among other HDFC Credit Card benefits is that your CIBIL score improves every time you use these cards and repay on time. This makes you eligible for cheaper and faster loans, besides a host of other offers available only for customers with a great credit history.

Convenience

Credit cards allow you to pay with just a swipe or a tap at a PoS machine. Credit cards can also be linked to a digital wallet so that you can easily scan and pay without having to use cash.

Recurring payments made easy

You can use your credit card to pay for recurring payments such as newspaper, magazine, or OTT subscriptions. You can also use it for paying your utility bills such as electricity, phone, water, or gas. This allows you to pay for these recurring bills seamlessly without failing, while also protecting you from any penalties or disconnection problems.

Tickets and recharge

You can use your credit card to pay for a very wide range of services online, such as train, bus, flight, or even movie tickets. You can even use your HDFC Credit Card to recharge your mobile phone, DTH, or any other telecom service.

Discounts and cashback

HDFC credit cards offer a range of cashback and reward points on online shopping as well as offline merchants. This allows you to save money on purchases of a range of products and services.

Expense tracking

HDFC credit cards also allow you to keep track of all your expenses in one place. You can easily check for the areas of maximum and minimum expenditure through your detailed credit card statements.

Safety

Credit cards offer a greater level of safety compared to cash. They are easier to carry, and you need not worry about losing them as you can get them blocked if misplaced or stolen.

Moreover, most credit cards come with complimentary insurance, so they are replaced without any charges if you misplace them.

Top HDFC Credit Card Based on Benefits

You get to enjoy a multitude of HDFC Credit Card benefits when you choose from one of these top 5 HDFC Bank credit cards:

1. HDFC Regalia Credit Card

HDFC Regalia is a premium credit card that is best suited for frequent travellers. Its salient features are:

Complimentary lounge accesses in domestic airports for 12 visits and 6 visits at international lounges in a year

Travel concierge services that allow for convenient booking of hotels and airline tickets
Bonus reward points of 10,000 on spending ₹5 Lakhs, and an addition 5,000 points on spending ₹8 Lakhs in an anniversary year

2. HDFC Infinia Card

This metallic card is for those who like to live a premium lifestyle. Here are some of the HDFC Infinia Card benefits:

Complimentary Club Marriott membership for the first year as a welcome gift
Exclusive free access to lounges at 1,000+ domestic and international airports
Dining discounts of 15% at over 20,000 restaurants
Complimentary stays & buffets at the participating ITC hotels
Global personal concierge 24x7
Unlimited complimentary golf games in India and abroad

3. HDFC Diners Club Black Credit Card

HDFC Diners Club Black Credit Card is a great option if you want accommodation and dining benefit offers. Here are some benefits of using this card:

Complimentary annual membership to Club Marriott, Swiggy One (for 3 months), Amazon Prime, Forbes, MMT Black, and Times Prime
Monthly vouchers from Ola, Tata Cliq, Cult.fit Live, and Bookmyshow with spending above ₹80,000
2X reward points on dining experiences on weekends
Complimentary golf games (6 times per quarter)

4. HDFC Moneyback Credit Card

This super-saver card lets you enjoy instant cashback when making a transaction. The following are some of its features:

500 cash points on the payment of the joining fee
Fuel surcharge waiver of up to 1% on a fuel bill of over ₹400
Smart EMI facility
2 reward points per ₹150 paid on other spends

5. HDFC Titanium Edge Credit Card

HDFC Titanium Edge Credit Card is a reward-based card that offers rewards on every purchase made. Given below are some of the benefits of using this card:

Great offers on movies, dining, and other lifestyle activities
2 reward points for every purchase worth ₹150
50% more reward points as exclusive dining privileges
Savings of up to ₹250 every billing cycle with a 100% fuel surcharge waiver

Best Credit Cards Based on Top Categories

HDFC Bank offers diverse credit card categories tailored to suit the needs and requirements of every customer.

Here are some of the HDFC Credit Card categories that you can choose a credit card from.

1. Essentials

HDFC credit cards under the essentials category offer cashback and rewards on your online and offline transactions. As the name suggests, these cards are perfect for regular usage. HDFC credit cards under this category are MoneyBack+ Credit Card, Millennia Credit Card, Freedom Credit Card, and IndianOil HDFC Bank Credit Card.

2. Luxury

Luxury credit cards offered by HDFC Bank have carefully curated premium services, and a top-notch rewards program that can help you get the best luxury experiences. Luxury credit cards by HDFC Bank include INFINIA Metal Edition and Diners Club Black Credit Card.

3. Co-branded

Discover a variety of co-branded HDFC credit cards, which are created in collaboration with top brands, offering a great range of benefits. Some of the co-branded HDFC credit cards are Tata Neu Infinity HDFC Bank Credit Card, Shoppers Stop HDFC Bank Credit Card, Paytm HDFC Bank Credit Card, HDFC Bank Platinum Times Card, 6E Rewards - IndiGo HDFC Bank Credit Card, etc.

4. Lifestyle

With HDFC credit cards focused towards lifestyle, you get great rewards and access to luxurious indulgences. Some of these lifestyle credit cards include Regalia Gold Credit Card, Millennia Credit Card, Diners Club Privilege Credit Card, etc.

5. Travel

Travel credit cards by HDFC bank are great if you are a frequent traveller. With these cards, you get discounts on flights, vouchers, complimentary access to airport lounges, and more. Some of these cards are Regalia Gold Credit Card, HDFC Bank Regalia First Credit Card, IRCTC HDFC Bank Credit Card, 6E Rewards XL- IndiGo HDFC Bank Credit Card, etc.

6. Shopping

With HDFC credit cards tailored for shopping, you open the door to an elevated shopping experience with great discounts, cashback and more. HDFC shopping credit cards are Tata Neu Infinity HDFC Bank Credit Card, Shoppers Stop HDFC Bank Credit Card, and Shoppers Stop Black HDFC Bank Credit Card, among others.

How to Maximise the Benefits of HDFC Credit Card

In addition to convenience, HDFC Credit Card benefits also include reward points that you earn after every transaction. Follow the list provided below to maximise your HDFC Credit Card benefits.

1. Sign-up Bonuses: Many credit cards offer sign-up bonuses and welcome gifts upon paying the joining fees. Selecting the appropriate credit card at the right time

can significantly enhance the value of your rewards.

2. Spending Benefits: HDFC Bank provides great benefits during specific periods and advanced bonus categories to help you categorise your spending. Also, everyday purchases using your HDFC credit cards can help you earn extra reward points, allowing for maximum benefits on spending.

3. Online Shopping: HDFC Bank has its own online shopping portal named SmartBuy, where you can make a purchase using a credit card. Purchases from SmartBuy are convenient and may even help you earn extra reward points.

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The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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There is a range of HDFC credit card features, such as reward points, cashback, security of transactions, exclusive deals, etc.

HDFC Credit Card benefits include a grace period of up to 50 days between purchase and payment and great savings through cashback and rewards. In addition, you also get to enjoy exclusive deals at restaurants, frequent flyer benefits, and more.

HDFC Bank has a number of credit cards on offer across various categories. Whether you travel frequently, spend mostly on daily essentials, or go out for movies or dining, the bank has a credit card for your needs.

You can easily apply for an HDFC Credit Card offline. All you need to do is visit your nearest HDFC Bank branch and get in touch with a bank executive.

They will inform you about the application process and give you a form to fill out. You can submit the form along with the required documents.

If you have been using your HDFC Credit Card regularly and making timely payments, HDFC Bank can offer you a higher credit limit. Else, you can request the bank for an increased credit limit by getting in touch with their customer care representative.

HDFC Bank offers a range of credit cards based on the needs of various customer groups. You can choose from their Regalia, Infinia, Diners Club, Moneyback, Titanium Edge, Freedom, and Platinum credit cards.

Some of the best HDFC Credit Card features include exclusive offers and discounts, customised benefits, cashback points, etc.

Some of the HDFC Credit Card benefits include discounts, customised offers, cashback points, waivers on fuel surcharges, etc.