August 17, 2023 · 6 mins readBest HDFC Credit Cards for 2023: Key Features & BenefitsShireesha Katta

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Credit cards have become an essential financial tool, offering convenience and flexibility in managing our expenses. Among the various credit card options available in India, HDFC Bank offers a wide range of credit cards tailored to suit various lifestyles and needs.

HDFC credit cards are well-known for their attractive features, rewards, and perks, making them a super popular choice for anyone who wants convenient and rewarding payment solutions.

In this blog, we will explore the best HDFC credit cards for 2023, highlighting their key features and benefits in simple terms.

Types of HDFC Credit Cards:

1. HDFC MoneyBack Credit Card:

This Credit Card is a great option to earn rewards on your everyday expenses. You can get cashback on every transaction you make with this card.

Here are the main features and benefits:

  • Reward Points: When you shop on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, or order from Swiggy, you get 10X reward points. That's not all - for any purchases on EMI at select merchant locations, you earn 5X reward points. For all your other expenses, you still get 2X reward points for every ₹150 spent.

  • Redeemable Points: You know what's great about those Reward Points you earn? You can easily use them to get cash credit for your bills or choose some exciting gifts from HDFC Bank's Rewards Catalog!

  • Fuel Surcharge Waiver: You won't have to pay any extra fuel charges when you make fuel purchases between ₹400 to ₹5,000. It's like getting a discount on your fuel expenses!

2. HDFC Regalia Credit Card:

If you love traveling, this Credit Card is perfect for you! It comes with a bunch of fantastic benefits, making your trips more enjoyable. From airport lounge access to rewards on your spending, this card has it all for the luxury-loving traveler in you!

Here are the main features and benefits:

  • Airport Lounge Access: With this credit card, you get a fantastic perk - 12 free airport lounge visits within India and 6 outside India. So, whenever you travel, you can relax and enjoy the comfort of airport lounges at no extra cost!

  • Rewards: You'll earn 10,000 bonus Reward Points if you spend ₹5 lakhs, and an extra 5,000 Reward Points if you reach ₹8 lakhs in a year. Plus, you'll earn 4 Reward Points for every ₹150 spent on all your purchases!

  • Travel Insurance: This card offers you travel insurance coverage of up to ₹15 lakhs for air accidents and up to ₹50,000 for baggage losses.

  • Dining Benefits: you can enjoy a flat 25% discount at over 2000 premium restaurants. And that's not all! You also get a fantastic 1+1 offer on buffets at 200+ restaurants.

3. HDFC Diners Club Black Credit Card:

If you're someone who loves the premium lifestyle and spends generously, the HDFC Diners Club Black Credit Card is perfect for you! It comes with amazing exclusive features and benefits that you won't find elsewhere.

Here are the main features and benefits:

  • Welcome Benefits: Get complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK and Times Prime. Plus, when you spend over ₹80,000 every month, you'll receive complimentary vouchers for Ola, Live, BookMyShow, and TataCliQ.

  • Reward Points: You'll earn 5 Reward Points for every ₹150 you spend. And guess what? You can even get up to 10X Reward Points when you shop through SmartBuy.

  • Lounge Access: You get unlimited free access to airport lounges, making your travels extra comfortable. Plus, when you book flight tickets or hotels on our Smartbuy platform, you'll enjoy some fantastic travel benefits too!

  • Golf Privileges: Get complimentary golf games across the finest courses in the world.

Fees and Charges:

HDFC Bank Credit Cards come with various fees and charges including an annual fee, joining fee (if applicable), interest charges on outstanding balances, cash withdrawal fees, and late payment charges. It is essential to check the specific fees and charges associated with the credit card you choose to make informed financial decisions.

HDFC Credit Cards Eligibility:

To get an HDFC Bank Credit Card, you need to meet the following criterias:

  • Age: Your age should be between 21 and 70 years
  • Criteria: You should be new to HDFC Bank Credit Card
  • Nationality: You should be a resident of India, with a valid address and identity proof.
  • Income Range: You must have a regular source of income. You can be a salaried employee, self-employed or run your own business.
  • Credit Score: You'll need to have a good credit score

Documents Required:

Before starting the application process please ensure that you have the following documents with you:

PAN card photocopy, color photograph, proof of income (latest payslip/Bank statement/Form 16/IT return copy), residence proof (Passport/Driving License/Voter ID Card/Aadhaar card), and identity proof (Passport/Driving license/Voter ID Card/Aadhaar card/PAN card).

How do I Apply for the Best HDFC Credit Cards:

The application process is easy and can be completed in just a few simple steps:

Step 1: Download the ZET app

Step 2: Sign up and add yourself as a customer

Step 3: Go to the product listing page and select ‘HDFC Bank Credit Card’

Step 4: Fill in all the required details and upload the required documents

Step 5: Submit the application and wait for the approval process to be completed

Before applying for any credit card, consider your spending habits, lifestyle requirements, and financial goals to ensure that you choose the one that suits you best.

Getting an HDFC Bank Credit Card is really simple! Just download the ZET app, and you can apply for a credit card easily. Not just that, you can also earn payouts by selling the credit card to your friends. So, don't wait any longer! Get the ZET app now and enjoy all the benefits!

Frequently Asked Questions:

1. How do I apply for an HDFC Bank Credit Card?

You can apply for HDFC Bank Credit Card through the ZET App. The application process is simple and straightforward.

2. Which type of HDFC credit card is best?

HDFC Bank offers many types of credit cards, each with specific purposes and income requirements. The best HDFC credit card for you depends on what you need. If you want a lifestyle card, go for Regalia. For travelers, the InterMiles HDFC Bank Diners Club Credit Card is great. If you want fuel benefits, the IndianOil HDFC Bank Credit Card is the best choice. So, pick the one that suits your needs!

3. What are the credit card limits for various types of HDFC cards? The credit card limit for HDFC cards can be different for each type of card. It depends on how much money you earn, your credit score (which shows how good you are at paying back the money you owe), and other things. If you earn more money and have a good credit score, you might get a higher credit card limit.

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