HDFC Bank offers a wide array of credit cards, each designed to cater to different needs, lifestyles, and spending habits. Here’s an overview of some of the key HDFC credit cards available:
Lifestyle and Shopping:
- HDFC Millennia Credit Card:
- Focused on online shopping and entertainment with 5% cashback on select merchants and 1% on all other spends.
- HDFC Regalia Credit Card:
- Offers a robust rewards program with travel and lifestyle benefits, including lounge access.
- HDFC Regalia Gold Credit Card:
- An enhanced version of Regalia, with unlimited domestic lounge access and higher rewards on specific brands.
Business Cards:
- HDFC BizGrow Credit Card:
- Ideal for small business owners, offering rewards on business-related expenses like tax payments.
- HDFC BizPower Credit Card:
- Provides higher rewards on business spends and includes travel perks like lounge access.
- HDFC BizBlack Credit Card:
- A premium offering with luxury perks for business owners, including high rewards on tax and utility payments.
Travel Cards:
- HDFC Infinia Credit Card:
- An invite-only, super-premium card with unlimited lounge access, high rewards, and luxury benefits.
- HDFC Diners Club Black Credit Card:
- Known for its travel perks, including lounge access and low forex markup.
- HDFC Diners Club Black Metal Edition:
- A metal version of the Diners Club Black with enhanced rewards.
- HDFC IRCTC Credit Card:
- Tailored for train travelers with benefits on IRCTC bookings.
Co-branded Cards:
- HDFC Swiggy Credit Card:
- Provides cashback on Swiggy services and online shopping.
- HDFC Tata Neu Credit Cards (Infinity and Plus):
- Rewards in the form of NeuCoins for spending within the Tata ecosystem.
- HDFC IndiGo 6E Rewards Credit Card:
- Offers rewards on IndiGo bookings and other travel-related spends.
- HDFC IndianOil Credit Card:
- Earn fuel points on fuel and utility spends, convertible into fuel savings.
- HDFC Paytm Credit Card:
- Unlimited cashback on all transactions through the Paytm ecosystem.
- HDFC Shoppers Stop Credit Card:
- Rewards and benefits specifically for Shoppers Stop shoppers.
- HDFC Marriott Bonvoy Credit Card:
- For Marriott loyalists, offering points for hotel stays and dining.
General Features:
- Rewards: Most cards offer reward points or cashback.
- Travel Benefits: Include airport lounge access, low or no forex markup, and travel insurance.
- Lifestyle Perks: From dining discounts to concierge services.
- Insurance: Many cards come with accidental death, travel, or lost card liability insurance.
- Annual Fees: Vary widely, often waived based on spending thresholds.
Common Benefits Across Cards:
- Contactless Payments: For secure and fast transactions.
- EMI Options: Convert big spends into easy monthly installments.
- Zero Lost Card Liability: Protection against unauthorized use if reported promptly.
Choosing the Right Card:
- Consider your spending habits (online shopping, travel, business expenses, etc.).
- Look at the rewards structure, especially where you spend the most.
- Evaluate travel perks if you’re a frequent traveler.
- Check the annual fee and spending required for fee waivers.
- Assess additional benefits like insurance, dining, and lifestyle privileges.
HDFC Bank regularly updates its card offerings, so it’s always good to check their official website or contact customer support for the latest details or any new cards introduced.