Top 5 best HDFC Bank Credit Card Reviews 2020

Last Updated: 14th Jan, 2020

I have reviewed credit cards from all banks and prepared a list of 13 best credit cards in India.

If you are a fan of HDFC bank only, then I have curated a list of 5 best credit cards from HDFC for you.

  1. HDFC MoneyBack Credit Card
  2. HDFC Solitaire Credit Card
  3. JetPrivilege HDFC Bank Signature
  4. HDFC Regalia Credit Card
  5. HDFC Diner Club Premium

In the above list, the HDFC Diner Club Premium credit card is my favorite. Diners Club Premium credit card is a premium card offered by HDFC bank at a nominal fee. You can enjoy premium benefits without burning a hole in your pocket. You can also get an annual fee waiver on HDFC Diner Club Premium.

Let’s have a look at the top 5 best credit cards from HDFC without wasting time.

#1. HDFC MoneyBack Credit Card Review

MoneyBack is a basic credit card offered by HDFC bank for newcomers. You can earn 2 reward points per Rs  150 spent. On online spending, you will get 6 reward points per Rs 150.

HDFC Bank offers the MoneyBack credit card as the first credit card to its account holders. If you want to apply for credit card first time, then you should apply for the MoneyBack credit card. You would get easy approval from the bank.

Fee & Charges 

Annual fee – Rs 500 ( Spend Rs 50,000 in a year to get next year annual fee waiver)

Reward Points & Other Benefits with MoneyBack Credit Card

  • 6 Reward points per Rs 150 online spend.
  • 2 Reward Points for every Rs 150 other spend.
  • Get Rs. 500 worth eVoucher on spending Rs. 50,000 in a quarter.
  • 1% fuel surcharge waived off on fuel transactions on minimum transaction of Rs 400.

The redemption value of 100 reward points is Rs 20. You need at least 2500 reward points to redeem.

Other important terms to know about MoneyBack card-

  •  e-wallet and EasyEMI loading transactions will not fetch you reward points.
  • If any retail transaction is converted into SmartEMI, accrued reward points will be reversed.
  • Cap of 2000 on reward points for every insurance transaction.

The next card is a level up credit card than MoneyBack crafted for women customers.

#2. HDFC Solitaire credit card review

Solitaire credit card is exclusively designed for women customers. HDFC Solitaire card comes with shopping benefits.

My wife applied for the solitaire card and got approved easily with a credit limit of 2,50,000. 

She bought her MacBook using the credit card and spent more than 1,00,000 rupees within a few months. HDFC bank sent us shopping vouchers of Rs. 1000 after 6 months. We loved the bonus vouchers along with regular reward points.

HDFC solitaire card comes with a zero liability on loss, that means you are safeguarded against the misuse of the credit card in case of loss. Make sure that you inform the bank within 24 hours of the fraudulent transaction.

Reward points and Benefits 

  • Get 3 reward points per Rs. 150 you spend through your solitaire credit card.
  • Get 4.5 reward points per Rs. 150 by spending on dining and grocery.
  • Shoppers stop gift voucher worth Rs. 1,000 on spending Rs.75,000 every 6 months (2 vouchers every year). 
  • 1% fuel surcharge waiver.

The redemption value of reward points 100 reward points = Rs 20. You can redeem against the outstanding amount on your credit card.

Fee and charges

Annual Fee – Rs 500

Annual Fee waiver

  • Spend Rs.10,000 within the 90 days of the card setup date and get the first-year annual fee waived off.
  • Spend Rs. 50,000 in a year and get the annual fee waiver for the next year.

#3. JetPrivilege HDFC Bank Signature Credit Card Review

JetPrivilege HDFC Bank’s signature credit card was a co-sponsored credit card with jet airways. Every credit card holder used to earn jet Airmiles for free flight booking. But due to JetAirway’s shutdown, all the privileges with Jetairways were no longer available.

But you need not worry. HDFC has collaborated with Intermiles, to provide similar benefits to all the existing & new cardholders.

Welcome Benefits

You get 7,500 Bonus InterMiles as welcome benefits from Intermiles.

  • 3,750 InterMiles upon the first swipe of the card
  • 3,750 InterMiles on spending Rs.75,000 and above, within 90 days of card approval.

You can also avail a discount voucher worth Rs.750 on return flights booked on Intermiles.com.

On renewal, you get 3,000 InterMiles upon the first swipe on your Card after renewal and a discount voucher worth Rs. 500 on return flights booked on Intermiles.com.

Fee & Charges

Annual Fee – Rs 2500 ( you can get next year annual fee waiver on spending Rs 3,00,000 in a year)

Reward points & Other Benefits

  • Earn 12 InterMiles on every Rs 150 spent on every flight ticket booked on Intermiles.com.
  • Earn 6 InterMiles on every Rs. 150 spent on all other retail expenses.
  • 5% discount on Etihad Airways Economy ticket bookings on Intermiles.com.
  • 10% discount on Etihad Airways Business ticket bookings on Intermiles.com.
  • Earn 2.5X bonus InterMiles for Etihad Airways tickets booking on Intermiles.com
  • 5 Complimentary free visits to the international lounges every year.
  • 4 complimentary visits per quarter at domestic lounges.

You can also avail up to 3 Add-on Cards for your family members.

#4. HDFC Regalia Credit Card Review

HDFC Regalia credit card was a premium card but HDFC has reduced its benefits.  Still, it’s a valuable card with many benefits.

HDFC launched Regalia comes as a personal and business credit card. There is no difference in the benefits but different documents are required for each one’s application.

Fee & Charges

  • First Year – INR 2500
  • Renewal Fee – INR 2500
  • Foreign Currency Markup – 2%

Least foreign currency markup as compared to other credit cards except Yes Bank preferred credit card

Annual Fee waiver

  • Spend INR 40,000 in the first 90 days of the card set up and get your first-year annual fee waiver.
  • Spend a total of 3 lakhs in a year and get next year’s annual fee waiver.

In simple words, spend every year 3 lakh with your HDFC Regalia Credit card & get benefits free of cost.

Reward Points & Other Offer

You can earn 4 reward points on every spent of Rs 150.

  • Earn 8 points per Rs 150 spent on www.hdfcregalia.com.
  • Get 15% or more discount on dining at the premium restaurant across India.
  • Zomato Gold Membership for one year on spending Rs. 75,000 in the first 3 months.
  • 1 crore air accident insurance in case of death due to flight accident.
  • INR 15 lakhs on medical emergencies while traveling overseas.
  • 1% fuel surcharge waiver.

Complimentary Club Vistara Membership

No longer available with effect from March 30, 2019.

Regalia cardholders enjoy complimentary Club Vistara Silver Membership which offers unmatched benefits on Vistara. Earn 9 Club Vistara(CV) points for every INR 100 spent on All Vistara Flights along with an additional 5 kg baggage allowance.

Club Vistara membership is allowed to the primary cardholder and has a validity of 1 year.

Complimentary Lounge access With Your HDFC Regalia Credit Card

You will get 6 complimentary lounge access outside India within one year.  Add on cardholder can also enjoy the complimentary lounge access. The Primary Cardholder and the add-on can jointly have 6 free access to the Priority Pass lounges every year.

You shouldn’t use Priority Pass for domestic lounge access, you have to pay a visit charge of $27.

Domestic lounges have a partnership with Visa/Mastercard to offer complimentary access. You can use your Regalia card and get 12 complimentary access per year within India.

Redeem HDFC Regalia Reward Points

You first need to convert them into Regalia vouchers and then redeem them on Regalia’s website. Regalia’s reward points come with limitations.  You can redeem the reward points only on Hdfcregalia.com.

But the good thing is that Hdfcregalia.com has lots of things for your day to day needs like Mobile/DTH recharges, Hotel/Flight/movie Bookings.

Should You Go For HDFC Regalia Credit Card?

The HDFC Regalia card comes with an annual fee of Rs. 2500 that can be waived off, only if you spend 3 lakh in a year ( Avg Rs. 25,000 per month). Make a quick calculation of your credit card expenditures.

If your total annual spending is less than 3 lakh, then your real savings will be up to 0.80% (very less). You should go for another card & vice versa.

#5. HDFC Diners Club Premium Credit Card Review

Fee & Charges

  • First Year Fee – Rs 2500 + taxes
  • Renewal Fee – Rs 2500+ taxes
  • Foreign Currency Markup – 2%

Foreign currency markup is lowest as compared to other credit cards which charge 3.5%.

Make HDFC Diners Club Premium Credit Card Free of Cost

Spend 40K within 3 months of the card set up and your first-year annual fee will be waived off.

Spend 3 lakh every year and get next year’s renewal fee waiver & make your premium card having no annual fee.

Welcome Gift

The welcome gift is one common thing in all the travel credit cards. Most of the cards offer a huge welcome in the first year but either no or reduced welcome gift from the second year.

But HDFC Diners Club Premium credit card gives every year a welcome gift of 2500 reward points.

HDFC Bank Reward Points Redemption

  • Earn 8 reward points for every Rs 150 retail spend on www.hdfcbankdinersclub.com.
  • Earn 4 reward points for every Rs 150 retail spend (except fuel).

HDFC Diners Club Premium credit card provides flexible redemption options. You can redeem reward points for booking air tickets & hotels at hdfcdinersclub.com or redeem for air miles across Air India and Singapore Airlines.

The redemption value of reward points is 1 RP = Rs 0.50 at hdfcdinersclub.com and in case for air miles , 1RP = 0.50 miles.

Lesser-Known Benefits of HDFC Diners Club Premium Credit Card

  • Provide air accident cover of INR 1 crore.
  • Emergency medical expense covers up to INR 25 lakhs.
  • Credit Liability covers up to INR 9 lakhs.
  • Travel insurance covers up to INR 50,000 on baggage delay or loss.
  • Get an access to complimentary golf lesson at selected golf courses in India.
  • Enjoy 6 Complimentary lounge access to worldwide and unlimited lounge access to domestic airports.

Should You Apply For HDFC Diners Premium Credit Card?

This credit card is meant for the people having annual spend between 3 lakh to 5 lakh.

If you also belong to this category, then I suggest you, either apply for HDFC Diners Premium credit card or Amex Platinum Travel Credit Card. Both cards will prove beneficial to you.

One side HDFC Diners Premium credit card offers an annual fee waiver and on the other side Amex Platinum Travel Credit Card offers additional gift vouchers.

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