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10 Best HDFC Credit Cards to Apply for in 2020

10 Best HDFC Credit Cards to Apply for in 2020

10 Best HDFC Credit Cards to Apply for in 2020

Are you looking for credit cards that offer amazing rewards, cashback, fuel surcharge waiver, exclusive discounts on shopping, travel, dining, and entertainment, then give these 10 Best HDFC Credit Cards a look.

HDFC bank offers different types of credit cards for different customers having diverse choices. The credit cards have very reasonable interest rates so that it can suit to a larger population. These credit cards are divided into different categories like co-brand, super-premium, professional, premium travel, premium women, regular, etc. People can choose their own credit card depending on their budget. Below are the top credit cards being offered by HDFC.

10 Best HDFC Credit Cards to Apply for in 2020

1.HDFC Platinum Plus Card

HDFC Platinum Plus Card

If you want your day to day expenses to be met, then you can go for the Platinum Plus Card. The rewards are good at a very minimal or reasonable fee. This card is available for the salaried people who are above 21 and below 60 years of age. It has an option of add-on cards up to 3 cards. These cards can be for spouse, children, or parents.

Rewards

  • If you spend an amount of up to Rs.50000 within one year, then you would earn 2 reward points for every Rs.150 you spend till Rs.50000.
  • After Rs.50000, you would start getting 3 reward points for every Rs.150 that you spend.
  • You can easily pay your utility bills through SmartPay service if you have this card.
  • You can get your fuel surcharge waived up to Rs.250 every month.
  • You can report the loss of your credit card within 24 hours of the incident, and you would have no liability on your card.
  • The revolving credit card would also be yours at a very reasonable fee.

Eligibility:

  • Salaried Employees who are applying for this credit card must be between 21 and 60 years.
  • Self-employed individuals must have age between 21 and 65 years.

Fees and Charges:

Type of Charge Amount
Add-on card fee Nil
Minimum repayment amount 5% of the outstanding balance, subject to a minimum of Rs.200
Cash advance limit 40% of the credit limit
Cash advance charge 2.5% of the amount withdrawn or Rs.500, whichever is higher
Over limit fee 2.% of the amount withdrawn, subject to a minimum of Rs.500
Reward redemption fee Rs.99

​  Apply Now

You are not required to pay any joining fee for this credit card. However, an annual charge of Rs.399 has to be paid. The interest rate is 3.4 percent per month and 40.8 percent per year. The card’s offers are limited. It also doesn’t offer any rewards for shopping, travel, etc. But the fact that it doesn’t have any joining fee and the annual fee is also reasonable or maybe a factor to choose this.

2.HDFC Diners Club Premium

HDFC Diners Club Premium

This card is accompanied by a lot of privileges and offers in different fields. You can access the domestic lounges any number of times, along with the concierge services. It has tied-up with Taj, which enables the collection of many vouchers and other rewards.

Rewards

  • You will be rewarded with 4 points every time you spend Rs.150
  • You can convert your 1 reward point into 1 AirMile on Jet, IC after being a part of the Premium Diners Club Miles Exchange Program
  • You would get to stay at Taj Hotels because of the tie-up between HDFC and Taj group. You would get a complimentary breakfast along with the late checkout and early check-in facilities.
  • You can access more than 500 lounges from all over the world, along with some pre-decided ones that are in Mumbai and New Delhi at the airports.
  • If you book with concierge services, you are eligible to get a glass of wine as complimentary.
  • Golf training courses are also available
  • It comes with zero liability, which means you would have no liability on your credit card if you lost it.

Eligibility:

  • He/She must be an Indian resident to apply for HDFC Diners Club Premium.
  • She/he must be more than 21 years of age and not above 60 years in case of a salaried individual
  • The minimum age in the case of self-employed is 21 years while the maximum age is 65 years
  • Applicants must be earning over Rs. 60,000 per month or have Income Tax Return above 7.2 lakh

Fees and Charges:

Type of Fee or Charge Amount
Annual/Renewal Fee Rs. 2,500
Cash Advance Fees 2.5% of the amount/Min. Rs. 500
Late Payment Charges For Statement Balance
Less Than Rs. 100 – Nil
Rs. 100 to Rs. 500 – Rs. 100
Rs. 501 to Rs. 5000 – Rs. 500
Rs. 5000 to  Rs. 10000 – Rs. 600
Rs. 10001 to Rs. 25,000 – Rs. 800
Amount over Rs. 25,000 – Rs. 950
Additional Card Fee Nil
Charges on Revolving Credit 3.49% per month or 41.88% p.a.
Over limit Account Charge 2.5% of amount/ Min. Rs. 500
Payment Return Fee 2% of amount/ Min. Rs. 450
Cash Processing Fee Rs. 100
Reward Redemption Fee Rs. 99 per request
Balance Transfer Processing Charge 1% of BT amount / Min. Rs. 250
Reissue of Credit Card Rs. 100
Foreign Currency Mark-up Fee 2.0% of the amount

Apply Now

The joining fee for this card is very high because of the benefits and offers that it has. The fee is Rs.2500. Also, the annual fee is equally high at Rs.1000. The interest rate is 3.25 percent per month and 39 percent per year. This card is more useful for the ones who frequently travel because of the rewards and concierge services that it has. It has many benefits like golf course training, unlimited airport lounge access, etc.

3.HDFC Business Platinum Credit Card

HDFC Business Platinum Credit Card

It offers a lot of business savings, along with other benefits. The fee is such that it can be paid easily by most of the population of the country. You can also access the merchant establishments from all over the world.

Rewards

  • If you have this card, you can take a loan of up to Rs.20 lakhs by using this card
  • You can use this Business Platinum credit card to access the airport lounges from all over India.
  • You will get a waiver on the fuel surcharge for up to Rs.500 for every billing cycle.
  • You can withdraw cash up to 40 percent of your credit limit allowed using HDFC Bank ATM or MasterCard Member ATM.
  • The interest-free repayment period is of 50 days.

Fuel surcharge waiver

  • Cardholders can also avail the fuel surcharge waiver on fuel transactions worth ₹ 400-5000. You can get a max waiver of ₹ 500 per statement cycle.

Liability

  • There is zero liability on lost cards and fraudulent transactions made on the card. This means the user would not be liable for any transaction made after he reports such loss or fraudulent activity on the card.

Eligibility:

  • He/She must be between the age of 21 years and 60 years if he or she is a salaried individual.
  • The primary applicant must be a resident or a non-resident of India.
  • The add-on cardholder must be at least 15 years of age.
  • The applicant must be between the ages of 21 years and 65 years if he or she is a self-employed individual.

Fees and Charges:

Type of Charge Amount
Annual fee Rs.299
Cash advance charges 2.5% of the amount withdrawn or Rs.500, whichever is higher
Interest-free period Up to 50 days
Minimum repayment amount 5% or a minimum of Rs.200
Charges on revolving credit 3.49% per month
Late payment charges If the statement balance is less than Rs.100 – Nil

Balance between Rs.100 and Rs.500 – Rs.100

Balance between Rs.500 and Rs.5,000 – Rs.500

Balance between Rs.5,001 and Rs.10,000 – Rs.600

Balance between Rs.10,001 and Rs.25,000 – Rs.800

More than Rs.25,000 – Rs.950

Interest-free period Up to 50 days
Payment return charges 2% of the payment amount subjected to a minimum of Rs.450.
Cash advance limit 40% of the credit limit
Charges on over limit account 2.5% of the over limit amount subjected to a minimum of Rs.500
Outstation cheque processing charges Cheque value of up to Rs.5,000 – Rs.25Cheque value of more than Rs.5,000 – Rs.50
Cash processing fee Rs.100
Balance transfer processing charges 1% of the balance transfer amount or Rs.250. The higher amount is charged.
Rewards redemption fee Rs.99 per redemption request
Railway ticket purchase fee 1.8% of the transaction amount + GST
Foreign currency transactions 3.5%
Reissue of a stolen, lost or damaged card Rs.100
Fuel transaction charges Rs.500 per statement cycle will be waived off

​ The joining fee, in this case, is Rs.299. The annual fee for renewal of card is also the same for this card, i.e., Rs.299 only. The interest rate is 3.4 percent per month and 40.8 percent per year. The main feature or highlight of this card is that you can get a loan using it. The fee is very low.

4.HDFC Doctors Superia Credit Card

HDFC Doctors Superia Credit Card

This card is best suited for practicing doctors and the doctors in India. All the doctors who are above 21 and below 60 years of age can avail of this card. Other benefits include airport lounge access and travel benefits.

Rewards

  • When you buy the card, you will get 1000 points as a gift, and whenever you get it renewed, you would again get 1000 points as a gift.
  • You get 3 points for every Rs.150 that you spend on shopping with this card. The points thus collected can be redeemed by you to buy air tickets. The tickets of any domestic airline or the specified 20+ international airlines can be bought using these points
  • After receiving this card, if you spend Rs.15000 within 90 days, then you would not have to pay the fee for the first year of your card.
  • You can get the Revolving Credit card at a reasonable interest rate on your existing credit card.

Welcome Benefits

  • Get 1000 Reward Points.

Dining Benefits

  • Get 50% more reward points on dining spends.

Milestone Benefits

  • Get an air voucher worth Rs. 8,000 on spending Rs. 5.00 lakh in an anniversary year.

Insurance/Coverage

  • On minimum four transactions get Accidental Death Insurance up to Rs. 50 lakh and free fire and burglary protection for goods above Rs. 5000 for 180 days

Eligibility:

  • Applicant must be an Indian doctor.
  • Salaried doctor must be between 21 to 60 years of age.
  • Self-Practising doctor must be between the ages of 21 and 65.

Fees and Charges:

Category Amount
Joining Fee Rs. 1,000
Annual Fee Rs. 1,000
Add-on Card Fee Nil
Minimum Repayment Amount 5% of the amount/Min. Rs. 200
Interest Rate 3.49% p.m./41.88% p.a.
Cash Withdrawal Fee 2.5% of the amount/Rs. 500
Late Payment Fee For Statement Balance
Less Than Rs. 100 – Nil
Rs. 100 to Rs. 500 – Rs. 100
Rs. 501 to Rs. 5,000 – Rs. 500
Rs. 5,001 to  Rs. 10,000 – Rs. 600
Rs. 10,001 to Rs. 25,000 – Rs. 800
Rs. 25,000 and above – Rs. 950
Payment Return Charges 2% of the amount/Min. Rs. 450
Over-limit Charges 2.5% of the amount/Min. Rs. 500
Cash Processing Fee Rs. 100
Reward Redemption Fee Rs. 99
Foreign Currency Transaction Fee 3.5% of the amount

Apply Now

The joining fee for the card is zero, and the annual fee to be paid is Rs.2999. The interest rate is 3.4 percent per month and 40.8 percent per year. The card is a great choice for the doctors who spend a lot and hence, want to earn rewards on their spending.

5.HDFC Solitaire Credit Card

HDFC Solitaire Credit Card

This card is especially for women who spend a lot. They would be able to get a large number of benefits and offers if they use this card. When you shop, you will earn points, and when you want to redeem them, you can redeem for more shopping. The people between the age of 21 and 60 years can apply for this card.

Rewards

  • Every year you would get vouchers worth Rs.2000 from Shoppers Stop.
  • 3 reward points are given for every Rs.150 that you spend.
  • If you lose your card and report the loss within 24 hours, you would have no liability on the credit card that you lost.
  • You would not be asked to pay interest for the first 50 days of receiving the card.
  • Fuel surcharge waiver is also available up to Rs.250 for every bill.

Shopping Vouchers

  • Exclusive shopping vouchers amounting to Rs. 1,000 on a cumulative spend of Rs. 75,000 every 6 months

Cashback

  • Cardholder can convert their accumulated reward points into cash which can be used to pay the credit card bill.  100 reward points are worth Rs. 20

Insurance and Coverage

  • Accidental Death coverage up to Rs. 50.00 lakh and Fire and Burglary Protection of goods over Rs. 5,000 for 180 days

Eligibility:

  • Applicants must be over 21 years of age.
  • Salaried employees must be below 60 years of age whereas self-employed people should be below 65 years of age.

Fees and Charges:

Type of Fee or Charge Amount
Annual/Renewal Fee Rs. 500
Cash Advance Fees 2.5% of the amount/Min. Rs. 500
Late Payment Charges For Statement Balance
Less Than Rs. 100 – Nil
Rs. 100 to Rs. 500 – Rs. 100
Rs. 501 to Rs. 5000 – Rs. 500
Rs. 5000 to  Rs. 10000 – Rs. 600
Rs. 10001 to Rs. 25,000 – Rs. 800
Amount over Rs. 25,000 – Rs. 950
Additional Card Fee Nil
Charges on Revolving Credit 3.49% per month or 41.88% p.a.
Over limit Account Charge 2.5% of amount/ Min. Rs. 500
Payment Return Fee 2% of amount/ Min. Rs. 450
Cash Processing Fee Rs. 100
Reward Redemption Fee Rs. 99 per request
Balance Transfer Processing Charge 1% of BT amount / Min. Rs. 250
Reissue of Credit Card Rs. 100
Foreign Currency Mark-up Fee 3.50% of the amount

Apply Now

The joining fee for the card is Rs.1000, but there is no annual fee on the card. The interest rate is 3.4 percent per month and 40.8 percent per year. Overall, the card is good for frequent shoppers and especially ladies. They can get vouchers and other direct benefits.

Also Read: 10 Best Credit Cards for Travel in India 2020

6.HDFC Regalia First Card

HDFC Regalia First Card

This card has different types of benefits related to travel and lifestyle. The people who travel a lot and especially to international locations would love this card. This is one of the best HDFC credit cards among our list, so let’s see more about its rewards, features, and fees.

Rewards

  • You would get 50 points on your spending abroad.
  • You can visit more than 700 airport lounges from all over the world.
  • You would get 6 complimentary golf games every 3 months, which would be valid both in India as well as in other countries.
  • 24×7 concierge services are available too.

Dining Privileges

  • Enjoy dining benefits at more than 300 top restaurants among prominent hotel chains such as Hyatt, The Leela, The Gateway, Taj, Marriott, etc.

Complimentary Insurance

  • The nominee gets up to Rs. 50 lakh in case there is an air accident or medical insurance of Rs.10 lakh can be availed if the cardholder is in a foreign country

Eligibility:

  • He/she should be at least 21 years old.
  • He/she should not be more than 60 years old (for self-employed it is 65 years).
  • Both Resident Indians and NRIs can apply for this credit card.
  • The applicant should have a credit score of 750 and above.

Fees and Charges:

HDFC Regalia First Fee/Charge Amount
Annual Fee Rs. 1,000
Cash Advance Charges 2.5% of amount withdrawn or Rs. 500 whichever is higher
Add-on Card Fee Nil
Overlimit Charges 2.5% of overlimit amount, subject to a minimum of Rs. 500
Railway Ticket Purchase Fee 1.8% of the transaction amount + GST
Reissue of Lost, Stolen or Damaged Card Rs. 100
Payment Return Charges 2% of Payment amount subject to a minimum of Rs. 450
Cash Processing Fee Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Balance Transfer Processing Charges 1% of BT amount or Rs. 250, whichever is higher
Late Payment Charges For Statement Balance:

  • Less than Rs. 100
  • Rs.100 to Rs.500 – Rs.100
  • Rs.501 to Rs.5,000 – Rs.500
  • Rs.5,001 to Rs.10,000 – Rs.600
  • Rs.10,001 and Rs. 25,000 – Rs.800
  • Above Rs. 25,000 – Rs. 950

Apply Now

The joining fee for this card is Rs.10000, and the annual fee is Rs.5000, which will be applicable from the second year. You can redeem your accumulated reward points to buy air tickets or to book hotels.

7.HDFC Freedom Credit Card

HDFC Freedom Credit Card

The card has its own benefits, which are of use to many people. Most of the rewards here are spend based, and you also get free of cost accidental death insurance.

Rewards

  • If you spend on dining, entertainment, cab booking, etc. then you would get 5 times the actual reward points.
  • If you spend on your birthday, then you would get 25 times the actual reward points with this card.
  • Insurance for the accidental death of up to Rs.50,00,000 is given.
  • You will get a voucher of Rs.1000 if you spend Rs.90,000 within a year.

Welcome Benefit

  • Get 500 Reward Points.

Gift Voucher

  • Get a gift voucher worth Rs. 1000 on reaching an annual spend of Rs. 90,000

Annual Fee Waiver

  • No need to pay an annual fee if spends cross Rs. 50,000 in a year

Accidental Death Insurance Cover

  • Avail this benefit by using the card at least 4 times in a month. The primary cardholder is insured up to Rs. 50 lakh

Eligibility:

  • Only an Indian national or a Non-resident Indian can apply for this card.
  • For Salaried Individuals
    Age – Minimum 21 Years and Maximum 60 Years.
    Gross Monthly Income – Over Rs. 12,000.
  • For Self Employed Individuals.
    Age – Minimum 21 Years and Maximum 65 Years.
    Income Tax Returns – Over Rs. 2.00 lakh.

Fees and Charges:

See Also
How To Pay HDFC Credit Card Bill Payment Online

Type of Fee or Charge Amount
Annual/Renewal Fee Rs. 500
Cash Advance Fees 2.5% of the amount/Min. Rs. 500
Late Payment Charges For Statement Balance
Less Than Rs. 100 – Nil
Rs. 100 to Rs. 500 – Rs. 100
Rs. 501 to Rs. 5000 – Rs. 500
Rs. 5000 to  Rs. 10000 – Rs. 600
Rs. 10001 to Rs. 25,000 – Rs. 800
Amount over Rs. 25,000 – Rs. 950
Additional Card Fee Nil
Charges on Revolving Credit 3.49% per month or 41.88% p.a.
Over limit Account Charge 2.5% of amount/ Min. Rs. 500
Payment Return Fee 2% of amount/ Min. Rs. 450
Cash Processing Fee Rs. 100
Reward Redemption Fee Rs. 99 per request
Balance Transfer Processing Charge 1% of BT amount / Min. Rs. 250
Reissue of Credit Card Rs. 100
Foreign Currency Mark-up Fee 3.5% of the amount

Apply Now

The joining and annual fee for this credit card is Rs.500. This card is a suitable card for the people who do not use cash much and instead use their credit cards for day-to-day spends.

8.HDFC Moneyback Credit Card

HDFC Moneyback Credit Card

Through this card, you can easily redeem your accumulated points to pay for the outstanding amounts on your credit cards. People who try to reduce their annual maintenance would love this card.

Rewards

  • When you spend money online, you will get double the rewards that you would otherwise get.
  • Here also you get insurance for accidental death up to Rs.50,00,000.
  • This card also offers the zero liability feature, which means there will be no liability if you lose your card.

Fuel Surcharge Waiver

  • Fuel surcharge waiver of 1% on transactions above Rs. 400. The upper limit for fuel surcharge waiver is set at Rs. 250 (plus applicable service tax) for every billing cycle

Transaction Security

  • HDFC Bank MoneyBack Credit Card has the EMV chip technology that is a global standard for credit cards. It can be used at both chip-enabled POS machines as well as regular non-chip POS card swipe machines

Zero Liability on Loss of Credit Card

  • HDFC Bank MoneyBack Credit Card members must immediately report the loss of card to the bank. They can do this with ease by calling on the 24-hour helpline. This absolves them from any liability if any fraudulent transactions are made using the credit card after reporting its loss

Also Read: 10 Best Credit Cards For Movie Lovers In India

Eligibility:

  • He/She should be either self-employed or salaried.
  • For salaried the age range is 21 to 60 years.
  • For self-employed, it is 21 to 65 years.
  • The applicant should have a good credit history and a stable flow of income.

Fees and Charges:

Type of Fee/Charge Amount
Annual Fee/Renewal Fee Rs. 500 + GST
Cash Advance Charges 2.5% of the amount withdrawn or Rs. 500 whichever is higher
Add-on Card Fee Nil
Over limit Charges 2.5% of over-limit amount, subject to a minimum of Rs. 500
Railway Ticket Purchase Fee 1.8% of the transaction amount + GST
Reissue of Lost, Stolen or Damaged Card Rs. 100
Payment Return Charges 2% of Payment amount subject to a minimum of Rs. 450
Cash Processing Fee Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Balance Transfer Processing Charges 1% of BT amount or Rs. 250, whichever is higher
Late Payment Charges For Statement Balance:

  • Less than Rs. 100 – Nil
  • Rs. 100 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 5,000 – Rs. 500
  • Rs. 5,001 to Rs. 10,000 – Rs. 600
  • Rs. 10,001 to Rs. 25,000 – Rs. 800
  • Rs. 25,001 and above – Rs. 950

Apply Now

The joining and renewal fee for this credit card is Rs.500. But, this annual fee would be applicable from the second year.

9.HDFC Titanium Times Card

HDFC TITANIUM TIMES CREDIT CARD

This card proves to be a cheap one but also provides a lot of benefits in spite of being cheap. The main target of the card is different lifestyle categories. This card would be suitable for the ones who want less maintenance for their cards.

Rewards

  • You get the zero liability feature on this card too.
  • Double points would be rewarded for online spending.
  • Accidental death insurance would be given in this case also of up to Rs.50,00,000.
  • You will get Rs. 500 voucher if you can spend Rs.50,000 in 3 months.

Welcome Offers

  • Users get a range of welcome gift vouchers in shopping, apparel, dining, and other categories.

Movie Benefit

  • HDFC Times Titanium cardholders get 25% off on movie ticket bookings. They can avail discounts over Rs. 4,000 in a year.

Dining Offers

  • Users get to avail up to 15% off at partner outlets. Cardholders can get discounts over Rs. 7,500 annually on dining.

Eligibility:

  • He/She should be either salaried or self-employed.
  • For salaried the age range is 21 to 60 years.
  • For self-employed, it is 21 to 65 years.
  • The applicant should have a good credit history and a stable flow of income.

Fees and Charges:

Type of Fee or Charge Amount
Annual/Renewal Fee Rs. 500 + GST
Cash Advance Fees 2.5%, Min. Rs. 500
Late Payment Charges For Statement Balance
Less Than Rs. 100 – Nil
Rs. 100 to Rs. 500 – Rs. 100
Rs. 501 to Rs. 5000 – Rs. 500
Rs. 5000 to  Rs. 10000 – Rs. 600
Rs. 10001 to Rs. 25,000 – Rs. 800
Amount over Rs. 25,000 – Rs. 950
Additional Card Fee Nil
Charges on Revolving Credit 3.49% per month or 41.88% p.a.
Over limit Account Charge 2.5%, Min. Rs. 500
Payment Return Fee 2%, Min. Rs. 450
Cash Processing Fee Rs. 100
Reward Redemption Fee Rs. 99 per request
Balance Transfer Processing Charge 1% of BT amount / Rs. 250, whichever is higher
Railway Ticket Purchase Fee 1.8% + GST
Reissue of Credit Card Rs. 100
Foreign Currency Transaction 3.5% of the amount

Apply Now

The joining and annual fee for this credit card is Rs.500.

10. Snapdeal HDFC Bank Credit Card

Snapdeal HDFC Bank Credit Card

This card would be the best for those who shop from Snapdeal frequently. There are different features of this card and especially on Snapdeal spends.

Rewards

  • You would get a fuel surcharge waiver at any petrol pump you go to in India.
  • You will earn 5x reward points if you spend on Snapdeal.
  • Accidental death insurance is available for up to Rs.50,00,000 with this credit card.

Welcome Benefit

  • As part of the welcome benefit, customers receive Snapdeal vouchers worth Rs.2,000 along with 500 reward points.

Fuel Surcharge Waiver

  • Fuel surcharge waiver up to Rs.250 per statement cycle can be availed against this credit card at any petrol pump in India.

EMV Chip Protection

  • The credit card comes with an EMV chip that protects it against data theft making transactions more secure.

Accidental Death Insurance

  • Snapdeal HDFC Bank Credit Card comes with Insurance up to Rs. 50 lakh.

Eligibility:

  • A salaried employee must be in the age group of 21 years to 60 years.
  • Self-employed applicants must be in the age group of 21 years to 65 years.
  • The applicant must be a resident of India.

Fees and Charges:

Category Amount
Joining Fee Rs. 500
Annual Fee Rs. 500
Add-on Card Fee Nil
Minimum Repayment Amount 5% of the amount/Min. Rs. 200
Interest Rate 3.49% p.m./41.88% p.a.
Cash Withdrawal Fee 2.5% of the amount/Rs. 500
Late Payment Fee For Statement Balance
Less Than Rs. 100 – Nil
Rs. 100 to Rs. 500 – Rs. 100
Rs. 501 to Rs. 5,000 – Rs. 500
Rs. 5,001 to  Rs. 10,000 – Rs. 600
Rs. 10,001 to Rs. 25,000 – Rs. 800
Rs. 25,000 and above – Rs. 950
Payment Return Charges 2% of the amount/Min. Rs. 450
Over-limit Charges 2.5% of the amount/Min. Rs. 500
Cash Processing Fee Rs. 100
Reward Redemption Fee Rs. 99
Foreign Currency Transaction Fee 3.5% of the amount

​The joining and annual fee for this credit card is Rs.500, which would be applicable from the second year. This fee for the renewal fee can also be waived off if you meet certain guidelines for the same. You can easily redeem your accumulated points to get vouchers from Snapdeal. If you are an online shopper, then you are going to love this card.

After going through the above article, you choose among the 10 best HDFC credit cards according to your needs. Every small detail like features, fee, eligibility, etc. is mentioned in the article for the people who want a credit card from HDFC. Every card offers different benefits for different people having different choices. So, choose yours accordingly!

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