Best HDFC Credit Cards 2020

India’s HDFC Bank has a number of great credit cards that can offer value in many different ways. Our team has researched the bank's cards to create a comprehensive list of the best HDFC Bank credit card offerings.

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Best Travel Rewards Cards by HDFC Bank

Travel rewards credit cards can prove to be extremely valuable to consumers that tend to travel often, and HDFC has some of the best travel cards available. If you are an avid traveler then this section may be what you are looking for.

Best InterMiles Card: JetPrivilege HDFC Bank Diners Club

  • 2.5x on Etihad Airways bookings and 2x on bookings done on the Intermiles platform
  • Promotions: Sign-up Bonus: 15,000 Intermiles (worth ~ ₹ 7,650); ₹ 1,000 voucher for return ticket; an extra 15,000 Intermiles on ₹ 150,000 of spend within first 90 days
  • Renewal Benefit: 10,000 Intermiles (worth ~ ₹ 5,100); ₹ 750 voucher for return ticket
  • Read Our Review
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel; 16 Intermiles per Rs. 150 spent on Intermiles bookings, 20 InterMiles per Rs. 150 on Etihad Airways bookings
  • Est. Point Value: 1 intermile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
The JetPrivilege HDFC Bank Diners Club Credit Card is the top InterMiles option for individuals looking to acquire a travel rewards card. For instance, the card offers an excellent rewards rate of 4.8% (16 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) for bookings done on the Intermiles platform. Moreover, the card does not disappoint on other spending with a competitive rewards rate of 2.4% on other categories (8 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45). The card also has a great 6.0% (20 Intermiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) rewards rate for bookings on Etihad Airways, with an additional 5% discount on economy tickets and 10% discount on business ticket purchases.


Furthermore, the JetPrivilege HDFC Diners Club Card provides an excellent sign-up bonus, 2 one-way base fare waivers and Rs. 1,500 in return ticket waivers. The card also offers big spenders with a great promotion that they can earn after achieving spends of Rs. 150,000 within the first 90 days of receiving the card, which can help offset the joining and annual fees the card incurs. The card will benefit any consumer looking for an option that prefers to fly through the Intermiles platform or Etihad.

  • 2.5x on Etihad Airways bookings and 2x on bookings done on the Intermiles platform
  • Promotions: Sign-up Bonus: 15,000 Intermiles (worth ~ ₹ 7,650); ₹ 1,000 voucher for return ticket; an extra 15,000 Intermiles on ₹ 150,000 of spend within first 90 days
  • Renewal Benefit: 10,000 Intermiles (worth ~ ₹ 5,100); ₹ 750 voucher for return ticket
  • Read Our Review
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel; 16 Intermiles per Rs. 150 spent on Intermiles bookings, 20 InterMiles per Rs. 150 on Etihad Airways bookings
  • Est. Point Value: 1 intermile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
The JetPrivilege HDFC Bank Diners Club Credit Card is the top InterMiles option for individuals looking to acquire a travel rewards card. For instance, the card offers an excellent rewards rate of 4.8% (16 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) for bookings done on the Intermiles platform. Moreover, the card does not disappoint on other spending with a competitive rewards rate of 2.4% on other categories (8 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45). The card also has a great 6.0% (20 Intermiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) rewards rate for bookings on Etihad Airways, with an additional 5% discount on economy tickets and 10% discount on business ticket purchases.


Furthermore, the JetPrivilege HDFC Diners Club Card provides an excellent sign-up bonus, 2 one-way base fare waivers and Rs. 1,500 in return ticket waivers. The card also offers big spenders with a great promotion that they can earn after achieving spends of Rs. 150,000 within the first 90 days of receiving the card, which can help offset the joining and annual fees the card incurs. The card will benefit any consumer looking for an option that prefers to fly through the Intermiles platform or Etihad.

Best Low-Fee Travel Card: HDFC Bank Diners Club Miles Credit Card

  • Up to 6 international airport lounge access
  • Promotions: Signing Bonus: 1,000 points (₹ 500)
  • Renewal Benefit: 1,000 points (₹ 500)—if the fee is not waived
  • Read Our Review
  • Annual Fee: Rs. 1,000 (waived after first year with annual spending of Rs. 100,000)
  • Earn Rate: 4 points per Rs. 150 on all spending categories
  • Est. Point Value: 1 Reward Point = 1 Air Mile = Rs. 0.50
  • Minimum Annual Salary: Rs. 480,000 / Rs. 360,000 (self-employed)
  • Dining: Up to 15% discount on partnered restaurants, access to Diners Club (1,400+ offers in 70+ countries)
  • Insurance: Air accident coverage of Rs. 1 crore, emergency medical expenses are covered up to Rs. 25 Lakh, travel insurance coverage up to Rs. 50,000 on baggage delay (capped at $10 per hour restricted to 8 hours),
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
The HDFC Bank Diners Club Miles Card is the best low-fee travel card offered by HDFC Bank, due to solid rates and travel perks. The card offers a 1.33% rewards rate (4 points per Rs. 150 spent, 1 point = 1 Air Mile = Rs. 0.5) on all spending categories, tied for the third highest rewards rate for HDFC Bank credit cards. Moreover, cardholders are also eligible for up to 6 international lounge visits per year. Further, the card offers a sign-up bonus and renewal benefit that can help pay for the annual fee that, after the first year, is easily waivable. The HDFC Bank Diners Club Miles card is a good low-fee card; however, India has other alternatives for those looking to avoid fees altogether. This is a solid card for individuals looking to acquire a low-fee travel card specifically from HDFC.
  • Up to 6 international airport lounge access
  • Promotions: Signing Bonus: 1,000 points (₹ 500)
  • Renewal Benefit: 1,000 points (₹ 500)—if the fee is not waived
  • Read Our Review
  • Annual Fee: Rs. 1,000 (waived after first year with annual spending of Rs. 100,000)
  • Earn Rate: 4 points per Rs. 150 on all spending categories
  • Est. Point Value: 1 Reward Point = 1 Air Mile = Rs. 0.50
  • Minimum Annual Salary: Rs. 480,000 / Rs. 360,000 (self-employed)
  • Dining: Up to 15% discount on partnered restaurants, access to Diners Club (1,400+ offers in 70+ countries)
  • Insurance: Air accident coverage of Rs. 1 crore, emergency medical expenses are covered up to Rs. 25 Lakh, travel insurance coverage up to Rs. 50,000 on baggage delay (capped at $10 per hour restricted to 8 hours),
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
The HDFC Bank Diners Club Miles Card is the best low-fee travel card offered by HDFC Bank, due to solid rates and travel perks. The card offers a 1.33% rewards rate (4 points per Rs. 150 spent, 1 point = 1 Air Mile = Rs. 0.5) on all spending categories, tied for the third highest rewards rate for HDFC Bank credit cards. Moreover, cardholders are also eligible for up to 6 international lounge visits per year. Further, the card offers a sign-up bonus and renewal benefit that can help pay for the annual fee that, after the first year, is easily waivable. The HDFC Bank Diners Club Miles card is a good low-fee card; however, India has other alternatives for those looking to avoid fees altogether. This is a solid card for individuals looking to acquire a low-fee travel card specifically from HDFC.

Best Domestic Travel Card: HDFC Bank Regalia First Card

  • 3 international and 8 domestic airport lounge access, 8% rewards rate on SmartBuy
  • Promotions: Sign-up Bonus: 1,000 reward points
  • Renewal Benefit: 1,000 Reward Points
  • Anniversary Bonus: Get 7,500 bonus points every year on spends of ₹ 6 lakhs, get 5,000 points every year on spends of ₹ 3 lakhs
  • Read Our Review
  • Annual Fee: Rs. 1,000 (can be waived after first year with annual spending of Rs. 100,000)
  • Earn Rate: 4 points per Rs. 150 on all spending categories; 40 points per Rs. 150 on all SmartBuy transactions
  • Est. Point Value: 1 Reward Point = Rs. 0.30
  • Minimum Annual Salary: Rs. 480,000 or Rs. 500,000 (self-employed)
  • Insurance: In case of an accidental death in the air the cardholders family will receive Rs. 50 lakhs, protection worth up to Rs. 10 lakhs against any medical emergencies while traveling abroad (max travel time is 30 days)
  • Travel: 3 international lounge access and 8 domestic lounge access
  • Fuel Surcharge Waiver: 1% waiver on transactions between Rs. 400 – 5,000; max Rs. 500 waived per month
The HDFC Bank Regalia First Credit Card is a great option for individuals looking for a travel card to use specifically for domestic flights, due to its great earnings on the SmartBuy platform. The card earns 10x the usual rate on SmartBuy with a rewards rate of 8% (40 points per Rs 150 spent, 1 points = Rs. 0.3), which the customer can utilize on both domestic travel and shopping platforms (Amazon and Flipkart).


Furthermore, the Bank Regalia First Credit Card offers high spenders the opportunity to increase their annual earnings with an excellent promotion they can achieve after surpassing certain spends. Additionally, all cardholders receive a solid sign-up and renewal benefit that can help offset the annual fee. Moreover, the card offers great airport lounge access. For instance, the card provides cardholders with 3 international and 8 domestic airport lounge access per year. On the other hand, the card offers a lower 0.80% rewards rate (4 points per Rs. 150, 1 point = Rs. 0.3) on all other spending categories. Therefore, this card is best for individuals looking to use the SmartBuy platform for their domestic travel and shopping needs.

  • 3 international and 8 domestic airport lounge access, 8% rewards rate on SmartBuy
  • Promotions: Sign-up Bonus: 1,000 reward points
  • Renewal Benefit: 1,000 Reward Points
  • Anniversary Bonus: Get 7,500 bonus points every year on spends of ₹ 6 lakhs, get 5,000 points every year on spends of ₹ 3 lakhs
  • Read Our Review
  • Annual Fee: Rs. 1,000 (can be waived after first year with annual spending of Rs. 100,000)
  • Earn Rate: 4 points per Rs. 150 on all spending categories; 40 points per Rs. 150 on all SmartBuy transactions
  • Est. Point Value: 1 Reward Point = Rs. 0.30
  • Minimum Annual Salary: Rs. 480,000 or Rs. 500,000 (self-employed)
  • Insurance: In case of an accidental death in the air the cardholders family will receive Rs. 50 lakhs, protection worth up to Rs. 10 lakhs against any medical emergencies while traveling abroad (max travel time is 30 days)
  • Travel: 3 international lounge access and 8 domestic lounge access
  • Fuel Surcharge Waiver: 1% waiver on transactions between Rs. 400 – 5,000; max Rs. 500 waived per month
The HDFC Bank Regalia First Credit Card is a great option for individuals looking for a travel card to use specifically for domestic flights, due to its great earnings on the SmartBuy platform. The card earns 10x the usual rate on SmartBuy with a rewards rate of 8% (40 points per Rs 150 spent, 1 points = Rs. 0.3), which the customer can utilize on both domestic travel and shopping platforms (Amazon and Flipkart).


Furthermore, the Bank Regalia First Credit Card offers high spenders the opportunity to increase their annual earnings with an excellent promotion they can achieve after surpassing certain spends. Additionally, all cardholders receive a solid sign-up and renewal benefit that can help offset the annual fee. Moreover, the card offers great airport lounge access. For instance, the card provides cardholders with 3 international and 8 domestic airport lounge access per year. On the other hand, the card offers a lower 0.80% rewards rate (4 points per Rs. 150, 1 point = Rs. 0.3) on all other spending categories. Therefore, this card is best for individuals looking to use the SmartBuy platform for their domestic travel and shopping needs.

Best Credit Card for Snapdeal: Snapdeal HDFC Credit Card

  • 11.67% on Snapdeal
  • Promotions: Sign-up Bonus: Snapdeal Vouchers worth ₹ 2,250 (₹ 2,000 in direct vouchers, 500 points redeemable for ₹ 250 in vouchers)
  • Read Our Review
  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% discount (min transaction Rs. 150, max 10,000 points/mo., max Rs. 500 discount/mo.)
  • 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lakhs), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month
The Snapdeal HDFC Bank Card is the best shopping card offered by HDFC for individuals that shop on Snapdeal. The Snapdeal card has the highest online shopping rewards rate in India at 11.67% (20 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers + a 5% instant discount) on all spending done on Snapdeal.


Notably, the rate is only applicable to those two platforms, the rewards rate for all other spending is a lower 0.67% (2 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers). Therefore, this is a card that is most suitable for those looking to shop on the Snapdeal platform.

  • 11.67% on Snapdeal
  • Promotions: Sign-up Bonus: Snapdeal Vouchers worth ₹ 2,250 (₹ 2,000 in direct vouchers, 500 points redeemable for ₹ 250 in vouchers)
  • Read Our Review
  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% discount (min transaction Rs. 150, max 10,000 points/mo., max Rs. 500 discount/mo.)
  • 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lakhs), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month
The Snapdeal HDFC Bank Card is the best shopping card offered by HDFC for individuals that shop on Snapdeal. The Snapdeal card has the highest online shopping rewards rate in India at 11.67% (20 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers + a 5% instant discount) on all spending done on Snapdeal.


Notably, the rate is only applicable to those two platforms, the rewards rate for all other spending is a lower 0.67% (2 points per Rs. 150 spent, 1 point = Rs. 0.5 in Snapdeal vouchers). Therefore, this is a card that is most suitable for those looking to shop on the Snapdeal platform.

Best Points Card: HDFC Bank Regalia Card

  • 1.33% rewards rate on all spends
  • 6 international and 12 domestic airport lounge access
  • Promotions: Sign-Up Bonus: 2,500 points
  • Sign-up Bonus: 1 year Zomato Gold Membership
  • Anniversary Bonus:  Earn 15,000 Reward Points on annual spends of ₹ 8,00,000 in each anniversary year, earn 10,000 Reward Points on annual spends of ₹ 5,00,000 in each anniversary year.
  • Annual Fee: Rs. 2,500 (can be waived after first year with annual spends of Rs. 300,000)
  • Earn Rate: 4 points per Rs. 150 on all spends (no earnings for fuel)
  • Est. Point Value: 1 point = Rs. 0.50
  • Minimum Annual Salary: Rs. 1,440,000 or Rs. 1,200,000 (self-employed)
  • Insurance: In case of air accident deaths cardholders are eligible to receive compensation of ₹ 1 crore, protection up to Rs. 15 lakhs for any medical emergency while traveling (max trip duration of 30 days), cover up to Rs. 900,000 for primary card holder in credit liability
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 500 waived per month
The HDFC Bank Regalia Card is great for individuals looking to acquire a great points card with travel benefits. Cardholders receive a solid rewards rate of 1.33% (4 points per Rs. 150 spent, 1 point = Rs. 0.5) on all spending categories. Additionally, the card offers great travel perks such as, 6 international airport lounge visits and 12 domestic airport lounge visits per year. Furthermore, this card provides an excellent anniversary bonus to high spenders, which can offset the annual fee. Although this is not be the best points card in India, it is a competitive option and the most affordable points card offered by HDFC Bank. Therefore, the HDFC Bank Regalia Credit Card is great for any consumer looking to acquire a points card with solid travel benefits.
  • 1.33% rewards rate on all spends
  • 6 international and 12 domestic airport lounge access
  • Promotions: Sign-Up Bonus: 2,500 points
  • Sign-up Bonus: 1 year Zomato Gold Membership
  • Anniversary Bonus:  Earn 15,000 Reward Points on annual spends of ₹ 8,00,000 in each anniversary year, earn 10,000 Reward Points on annual spends of ₹ 5,00,000 in each anniversary year.
  • Annual Fee: Rs. 2,500 (can be waived after first year with annual spends of Rs. 300,000)
  • Earn Rate: 4 points per Rs. 150 on all spends (no earnings for fuel)
  • Est. Point Value: 1 point = Rs. 0.50
  • Minimum Annual Salary: Rs. 1,440,000 or Rs. 1,200,000 (self-employed)
  • Insurance: In case of air accident deaths cardholders are eligible to receive compensation of ₹ 1 crore, protection up to Rs. 15 lakhs for any medical emergency while traveling (max trip duration of 30 days), cover up to Rs. 900,000 for primary card holder in credit liability
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 500 waived per month
The HDFC Bank Regalia Card is great for individuals looking to acquire a great points card with good travel benefits. Cardholders receive a solid rewards rate of 1.33% (4 points per Rs. 150 spent, 1 point = Rs. 0.5) on all spending categories. Additionally, the card offers great travel perks too such as, 6 international airport lounge access and 12 domestic airport lounge access per year. Furthermore, this card provides an excellent anniversary bonus that high spenders can receive after achieving certain spends, which can also be used to offset the annual fee. Although this may not be the best points card in India, it is a solid points card and the best affordable points card under HDFC Bank. The HDFC Bank Regalia Credit Card is great for any consumer looking to acquire a points card with solid travel benefits.

Best Premium HDFC Credit Card: HDFC Bank Diners Black Card

  • Unlimited global lounge access
  • Promotions: Sign-Up Bonus: 10,000 Reward Points (worth ₹ 10,000)
  • Renewal Benefit: 5,000 Reward Points (worth ₹ 5,000); not applicable when renewal fee is waived (requires annual spend of ₹ 500,000)
  • Annual Fee: Rs. 10,000 first year; Rs. 5,000 beyond (waived on annual spend of Rs. 500,000)
  • Earn Rate: 5 points/Rs. 150 retail spend except fuel
  • FX Fee: 2.0%
  • Point Value: 1 point = Rs. 1 on HDFC Diners Club travel portal
  • Minimum Annual Salary: Rs. 2,100,000
  • Perks: Diners Club Lounge (free access to 850+ lounges); 6 green fee waivers/quarter at 20 courses in India & 40 worldwide; air accident cover Rs. 2 crore; emergency medical expense cover; baggage delay cover
  • Fuel Surcharge Waiver: Transactions Rs. 400–5,000, max Rs. 1,000/month
The HDFC Bank Diners Club Black Credit Card is a great choice for individuals looking to acquire a points card with great perks. This card offers a great rewards rate of 3.33% (5 points per Rs. 150; 1 point = Rs. 1) across all spending categories. Furthermore the card provides cardholders with excellent sign-up and anniversary bonuses that can be leveraged to offset the annual fee. To be considered for this card; however, the card holder will have to have a minimum annual salary of Rs. 2,100,000.


Fortunately, the card also provides cardholders with many perks such as 6 free golf games per quarter and unlimited access to the Diners Club airport lounge network. Given it's great rates and perks, this is a great premium card that is highly ranked as a top card in India due to its great earnings and travel perks for those that can satisfy the minimum income requirement.

  • Unlimited global lounge access
  • Promotions: Sign-Up Bonus: 10,000 Reward Points (worth ₹ 10,000)
  • Renewal Benefit: 5,000 Reward Points (worth ₹ 5,000); not applicable when renewal fee is waived (requires annual spend of ₹ 500,000)
  • Annual Fee: Rs. 10,000 first year; Rs. 5,000 beyond (waived on annual spend of Rs. 500,000)
  • Earn Rate: 5 points/Rs. 150 retail spend except fuel
  • FX Fee: 2.0%
  • Point Value: 1 point = Rs. 1 on HDFC Diners Club travel portal
  • Minimum Annual Salary: Rs. 2,100,000
  • Perks: Diners Club Lounge (free access to 850+ lounges); 6 green fee waivers/quarter at 20 courses in India & 40 worldwide; air accident cover Rs. 2 crore; emergency medical expense cover; baggage delay cover
  • Fuel Surcharge Waiver: Transactions Rs. 400–5,000, max Rs. 1,000/month
The HDFC Bank Diners Club Black Credit Card is a great choice for individuals looking to acquire a points card with great perks. This card offers a great rewards rate of 3.33% (5 points per Rs. 150; 1 point = Rs. 1) across all spending categories. Furthermore the card provides cardholders with excellent sign-up and anniversary bonuses that can be leveraged to offset the annual fee. To be considered for this card; however, the card holder will have to have a minimum annual salary of Rs. 2,100,000.


Fortunately, the card also provides cardholders with many perks such as 6 free golf games per quarter and unlimited access to the Diners Club airport lounge network. Given it's great rates and perks, this is a great premium card that is highly ranked as a top card in India due to its great earnings and travel perks for those that can satisfy the minimum income requirement.

Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.