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Which are the Best Credit Cards of HDFC Bank?

Credit cards offer you the best perks life has to offer. They let you afford products and help in emergencies. Getting a credit card is a simple process, and if you already have a bank account, say, with a top bank like HDFC Bank, your bank will offer you a credit card. The HDFC best credit card you can get is the one that suits your unique needs. When you want to use the best credit card of HDFC Bank,  you should first learn about cards that HDFC offers.

HDFC Top Credit Cards

Any credit card you opt for from HDFC Bank should suit your individual spending pattern. Say, if you are an enthusiastic shopper, then the best HDFC credit card for online shopping is best. For example, you could choose to have the HDFC Bank Easy EMI Card so your shopping online becomes affordable. Any top HDFC credit card offers you rewards and deals in the form of cashback and discounts at certain retailers, both online and offline. On some travel cards, you earn air miles. Before you decide on the best credit card, HDFC Bank has certain eligibility criteria that potential credit card customers must meet.

Eligibility Criteria for an HDFC Best Credit Card

To gain card approval for any HDFC Bank card, the eligibility criteria you must fulfil are typically the same for all HDFC cards. Hence, whether you want the best HDFC credit card for middle class or the best HDFC card for beginners, general eligibility criteria must be met. Income eligibility criteria change from card to card, but general criteria is mentioned below:


  • You must have a regular source of income.

  • Your age must be between 21-60 years if you are salaried, and 21-65 years if you are a self-employed person.

  • You have to present certain documents for identity and address proof, as well as proof of your age. These are either a PAN Card, an Aadhaar Card, Voter ID, driving licence, etc. You also have to submit income proof documents like salary slips, bank account statements, Form 16, etc. 

List of  Popular HDFC Bank Credit Cards in India

If you are making a list of the top 10 HDFC credit cards, or the top 5 HDFC credit cards, you may find it challenging as any credit card from HDFC gives you great perks and deals. How, then, do you decide on the HDFC highest credit card in terms of ranking? You can decide on the ideal card that matches your needs. A top credit card of HDFC Bank is found in the following list of cards, with cards that include the best HDFC card for reward points and other top credit cards of HDFC Bank: 


  • IndianOil HDFC Bank Credit Card - Joining fees for one of the best cards in this HDFC top credit card list is Rs. 500, with the annual fees waived if you spend Rs. 20,000 in the year. To avail this card, an eligibility criteria for income is Rs. 10,000 monthly. A super card for fuel-related purchases, you earn a maximum of 50 litres of free fuel per year and 5% cash back at IndianOil fuel outlets. This card is the best HDFC card for salaried person using a vehicle for work frequently. With every amount of Rs. 150 spent on fuel-related expenses, you get 1 reward point. 

  • HDFC MoneyBack Credit Card - This card has a joining fee of Rs. 500, and an annual fee of the same which is waived if you spend Rs. 50,000 in the prior year. The criteria of income eligibility for this card is to have a monthly income of Rs. 25,000. In the list of the HDFC best credit card, 2021, the best HDFC credit card for cashback is this one. Important features include cashback redemption for cash credit on your bill, and a fuel surcharge waiver up to Rs. 250. You also get 2 reward points for every amount of Rs. 150 worth of expenses, and for online shopping, this is 40 reward points. Some customers consider this the best HDFC card for online shopping. It is also the best HDFC card for beginners as the income requirement is low. 

  • HDFC Regalia Credit Card - This card has high annual and joining fees at Rs. 2,500, respectively. A great card for travel and rewards, with discounts on hotel and flight bookings, and 4 reward points for every amount of Rs. 150 spent. To avail this card, you must have an income of Rs. 70,000 each month. 

  • HDFC Titanium Times Credit Card - Considered the best HDFC card for middle-class individuals, the income requirement for this card is Rs. 25,000 monthly. The joining fees and annual fees are Rs. 500, respectively, with annual fees being waived if you spend Rs. 1.5 lakhs in the past year. You get a 1% fuel charge waiver, 2 reward points for every amount of rs. 150 spent, and a free insurance plan for accidental death. 

  • HDFC Millenia Credit Card - This card requires you to show an income of Rs. 25,000 a month, and has a Rs. 1,000 joining and annual fees, respectively. If you shop on Amazon and Flipkart regularly, you get 5% cashback on payment via PayZapp. Similarly, you get these benefits when you book flights and hotels. 

  • HDFC Platinum Times Credit Card - To get this card, you have to present a monthly income of Rs. 35,000. Among the HDFC top 5 credit cards, an annual and joining fee is levied at Rs. 1,000, respectively. You get 3 reward points for every Rs. 150 spent and other benefits are the same as you get with the Titanium Times Credit card. 


  • HDFC Diners Clubmiles Credit Card - With a monthly income of Rs. 30,000, you meet the main eligibility criteria for this card. Both annual and joining fees are Rs. 1,000 each,and benefits include those in a top credit card in HDFC Bank, like 4 reward points for every transaction of Rs. 150, plus converting this into air miles. 
  • HDFC Diners Club Black Credit Card: This credit card is geared towards those looking for rewards on lifestyle and travel spends. It comes at a joining fee of ₹10,000 and rewards of the same value when one pays the joining fee. If you own this card, you can earn five reward points on every ₹150 in retail spends. These can be redeemed for air tickets and hotel bookings.

  • HDFC Freedom Credit Card: This credit card comes with a range of reward benefits. It offers five times more reward points on dining, railway ticket booking and entertainment and 25 times more points on birthday spends. You can also enjoy a voucher of ₹1,000 on spends exceeding ₹90,000.

Factors to Consider While Choosing Top HDFC Credit Cards

Before you buy an HDFC Bank credit card, it is necessary to do your due diligence to understand which HDFC credit card is best for you. Here are some of the criteria with which you can judge the HDFC credit card best suited to your needs:


  • Cashback programmes:  Get a sense of the type and amount of cashbacks you can enjoy by using the credit card of your choice. It is also necessary to know the level of ease or difficulty in availing these cash backs.
  • Income group: Know the minimum income requirement for acquiring each HDFC credit card. Choose the credit card based on your own annual or monthly income and whether you can comfortably pay off your monthly bills.
  • Additional benefits: Does the HDFC credit card of your choice come with additional benefits like annual fee waivers? If yes, the next step should be to know the nature of benefits and whether they are user-friendly to unlock. For instance, a credit card may offer a fee waiver if the spend in one year is over, say, ₹3 Lakhs. However, if you are unlikely to spend that much in a given year, such a credit card may not be useful to you.
  • Value for money: Understand the overall benefits and features of each credit card. Read the cash back and discount provisions, terms and conditions carefully. Then, put these in the perspective of your projected spends and lifestyle to understand whether it is truly beneficial for you.
  • Fees and charges: Get to know all the fees and charges involved in acquiring an HDFC credit card. Most credit cards attract a joining fee and an annual fee. Many cards also have the provision of waiving off these fees if certain criteria are met.
  • Welcome gifts: What are the welcome benefits involved in availing these credit cards? For instance, you can do a cost-benefit analysis to see if the welcome gifts provided cover the costs of joining fees or annual fees. If yes, this would be a credit card of choice to be acquired.


  • ✔️Which is the best HDFC credit card for Online Shopping?

    The HDFC MoneyBack and Millenia Credit Cards, are both good cards for online shopping, respectively.

  • ✔️Which is the best HDFC credit card for Reward Points?

    The HDFC MoneyBack, Millenia and Diners Club Miles Credit Cards are all great rewards cards, respectively.

  • ✔️How are reward points decided?

    The basic formula for deciding reward points is simple – the higher you spend on your credit card, the more reward points you get to enjoy. For instance, booking  a flight ticket with your credit card can help you earn more reward points than buying groceries using your credit card will.

  • ✔️How can I apply for an HDFC credit card online? What benefits will I get?

    You can apply for an HDFC credit card online by following these steps:

    • Visit the HDFC website

    • Go to ‘credit cards’ and choose the card you wish to get

    • Check the eligibility criteria and documents needed

    • Enter all the requested details in the application form and submit

    • Upon approval, you will receive your credit card at your residential address


    HDFC credit cards offer numerous benefits like lifetime free credit cards, various cash backs and reward points on purchases made through the credit card. 

  • ✔️Which factors matter when applying for a credit card?

    HDFC Bank judges your eligibility for a credit card based on several factors like your credit score, prior delinquencies, hard inquiries for loans or credit, utilisation of credit, income and credit history.

  • ✔️How can I take a loan using the HDFC Bank credit card?

    If you have an HDFC credit card, you can get two types of loans. You can get an Insta Loan where the loan amount is worth your credit limit and an Insta Jumbo Loan, whose loan amount exceeds your credit limit.

  • ✔️How can I compare HDFC credit cards & choose the best one?

    You should compare each HDFC credit card based on the value for money it provides, benefits, your income, fees and charges, cash backs and discounts and your own lifestyle.

  • ✔️What are HDFC lifetime free credit cards?

    HDFC lifetime free credit cards are a category of credit cards that do not attract an annual fee for the entire duration through which you hold the credit card.