Compare and Choose the Best Credit Cards in India

HDFC Bank Millennia Credit Card

domestic-lounge

dinning

1st Year Fees

₹ 1000

Renewal fee waived on annual spends of ₹ 1,00,000.

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5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato; upto 1,000 Cashpoints per month

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5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato; upto 1,000 Cashpoints per month

1% cashback on all other spends (except Fuel, Rent Payments, Govt Related txns) including EMI & Wallet transactions; upto 1,000 Cashpoints per month

₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter

8 Complimentary Domestic Airport Lounge Access in a calendar year ( T&C Applicable )

Upto 20% discount on partner restaurants via Dineout

Fuel Surcharge waiver of 1% .(Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

HDFC Bank Regalia Gold Credit Card

travel

shopping

international-lounge

1st Year Fees

₹ 2500

Renewal fee waived on annual spends of ₹ 4,00,000.

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Earn 4 RP on every ₹ 150 spent

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Earn 4 RP on every ₹ 150 spent

Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits

₹ 1,500 worth vouchers on quarterly spends of ₹ 1.5 lakh

₹ 5,000 worth flight vouchers on annual spends of ₹ 5 lakh & an additional voucher of ₹ 5000 on spends of ₹ 7.5 lakhs

5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!

Up to 10X Reward points on MMT, Flight & staying spends via Smartbuy

Complimentary lounge access at over 1000 airports

12 complimentary domestic lounge access in a calendar year

6 complimentary international lounge access in a year via Priority Pass

Lowest foreign currency mark up fee of 2% on International transactions

HDFC Bank Diners Club Black Credit Card

travel

movie

international-lounge

domestic-lounge

1st Year Fees

₹ 10000

Renewal Fee: ₹ 10,000, Yearly fee waived on annual spends of 5 lac.

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Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3-month membership), MMT BLACK and Times Prime Smart. Complimentary cult.fit one month membership | BookMyShow | TataCliQ | Ola cab vouchers on spends of ₹ 80,000 every month. Choose 2 out of 4 vouchers worth ₹ 500 each. 5 Reward Points for every ₹ 150 spent

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Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3-month membership), MMT BLACK and Times Prime Smart. Complimentary cult.fit one month membership | BookMyShow | TataCliQ | Ola cab vouchers on spends of ₹ 80,000 every month. Choose 2 out of 4 vouchers worth ₹ 500 each. 5 Reward Points for every ₹ 150 spent

Upto 10X Reward Points via Smartbuy and 2X on weekend. Visit https://www.hdfcbankdinersclub.com/ privileges for details Complimentary Golf games across the finest courses in the world (6 per quarter)

Unlimited complimentary Airport Lounge Access, worldwide for Primary and Add-On customers

24/7 Concierge Services. Redeem each reward point for 1 Re. on the dedicated travel portal. Redeem reward points using catalogue (RP=Re.0.50) and Airmiles partner(1RP=1 Mile)

Lowest foreign currency mark up fee of 2% on intl spends

6E Rewards XL-IndiGo HDFC Bank Credit Card

domestic-lounge

reward

1st Year Fees

₹ 1500

Welcome Benefit: One Complimentary 6E Prime Add-On (voucher for choice of seat+meal combo+priority check-in+ quicker baggage).

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Welcome Benefit: One Complimentary 6E Prime Add-On (voucher for choice of seat+meal combo+priority check-in+ quicker baggage)*

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Welcome Benefit: One Complimentary 6E Prime Add-On (voucher for choice of seat+meal combo+priority check-in+ quicker baggage)*

First quarter benefit :One Complimentary IndiGo air ticket worth ₹ 3,000 on making minimum 3 txns in first 3 months post card set up*

5% 6E Rewards on Indigo website / app , 3% 6 E Rewards on Grocery, Dining & Entertainment , 2% 6E Rewards on all other spends*

8 Complimentary domestic airport Lounge access per year capped at 2 per quarter

Discounted convenience fee of ₹ 150 per pax per sector (current – upto ₹ 350 per passenger per sector)

Tata Neu Plus HDFC Bank Credit Card

reward

domestic-lounge

1st Year Fees

₹ 499

Renewal fee waived on annual spends of ₹ 1,00,000 or more.

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2% back as NeuCoins on Non-EMI Spends on partner Tata Brands

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2% back as NeuCoins on Non-EMI Spends on partner Tata Brands

1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends (excluding Fuel, Government, Rental, Wallet transactions and Smart EMI)

1% back as NeuCoins on UPI spends via RuPay Credit card (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month

Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass

4 Complimentary Domestic Lounge Access per calendar year (1 in a quarter)

Fuel benefit: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

Tata Neu Infinity HDFC Bank Credit Card

reward

fuel

domestic-lounge

1st Year Fees

₹ 1499

Renewal fee waived on annual spends of ₹ 3,00,000 or more.

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5% back as NeuCoins on Non-EMI Spends on partner Tata Brands

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5% back as NeuCoins on Non-EMI Spends on partner Tata Brands

1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends (excluding Fuel, Government, Rental, Wallet transactions and Smart EMI)

1.5% back as NeuCoins on UPI spends via RuPay Credit card (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month

Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass

8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter) & 4 Complimentary Lounge Access per calendar year (1 per Quarter), outside India

Fuel benefit: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle)

HDFC Bank Freedom Credit Card

fuel

movie

dinning

1st Year Fees

₹ 500

Renewal fee waived on annual spends of ₹ 50K.

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10X CashPoints on your favourite merchants - Big Basket, BookMyshow, OYO, Swiggy & Uber; (max 2,500 CashPoints per month)

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10X CashPoints on your favourite merchants - Big Basket, BookMyshow, OYO, Swiggy & Uber; (max 2,500 CashPoints per month)

5X CashPoints on EMI spends at merchant locations; (max 2,500 CashPoints per month)

1 CashPoints per ₹150 spent on other spends ( Excluding fuel,Rent payment, Govt related txns, wallets loads/prepaid card loads & voucher purchases )

Lower interest rate of 0.99% for first 90 days on non-EMI spendsfrom card issuance date. (Not applicable on Insta loan, Insta Jumbo Loan, SmartEMI, EasyEMI, Balance transfer or Cash transactions)

Upto 15% discount on partner restaurants via Dineout

Fuel benefit: Save every time on refueling with surcharge waiver of 1%. (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

HDFC Bank MoneyBack+ Credit Card

reward

cashback

1st Year Fees

₹ 500

Renewal fee waived on annual spends of ₹ 50K.

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10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy; upto 2,500 CashPoints per month

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10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy; upto 2,500 CashPoints per month

5X CashPoints on EMI spends at merchant locations; upto 2,500 CashPoints per month

2 CashPoints per ₹150 spent on other spends ( Excluding fuel, Rent payment, Govt related txns, wallets loads/prepaid card loads & voucher purchases )

₹500 worth gift vouchers on spends of ₹50,000 and above in each calendar quarter

Upto 15% discount on partner restaurants via Dineout

Fuel benefit: Save every time on refueling with surcharge waiver of 1%. (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

HDFC Bank Diners Club Privilege Credit Card

fitness

games

1st Year Fees

₹ 2500

Renewal Fee: ₹ 2,500, Yearly fee waived on annual spends of 3 lac.

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Complimentary annual memberships of Amazon Prime, MMT BLACK, Swiggy One (3-month membership) and Times Prime Smart

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Complimentary annual memberships of Amazon Prime, MMT BLACK, Swiggy One (3-month membership) and Times Prime Smart

Complimentary cult.fit one month membership | BookMyShow | TataCliQ | Ola cab vouchers on spends of ₹ 40,000 every month. Choose 1 out of 4 vouchers worth ₹ 500

4 Reward Points for every ₹ 150 spent. Upto 10X Reward Points via Smartbuy and 2X on weekend dining. Visit https://www.hdfcbankdinersclub.com/ privileges for details

Complimentary Golf games across the finest courses in the world(2 per quarter)

12 complimentary Airport Lounge Access, worldwide for Primary and Add-On customers in a calendar year

Redeem each reward point for 0.5 Re. on the dedicated travel portal. Redeem reward points using catalogue (RP = Re.0.35) and Airmiles partner (1RP = 0.5 Mile)

Lowest foreign currency mark up fee of 2% on intl. spends

6E Rewards-IndiGo HDFC Bank Credit Card

reward

travel

1st Year Fees

₹ 500

1 Complimentary flight ticket worth ₹1500, 1 Complimentary 6E Prime Add-On - Priority check in, choice of seat, a complimentary meal.

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Welcome Benefit: One Complimentary 6E Prime Add-On (voucher for choice of seat+meal combo+priority check-in+ quicker baggage)*

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Welcome Benefit: One Complimentary 6E Prime Add-On (voucher for choice of seat+meal combo+priority check-in+ quicker baggage)*

First quarter benefit : One Complimentary IndiGo air ticket worth ₹ 1,500 on making minimum 3 txns in first 3 months post card set up*

3 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember

2.5% 6E Rewards on Indigo website / app ,2% 6 E Rewards on Grocery, Dining & Entertainment , 1% 6E Rewards on all other spends*

Discounted convenience fee of ₹ 150 per pax per sector (current – upto ₹ 350 per passenger per sector)

IndianOil HDFC Bank Credit Card

fuel

1st Year Fees

₹ 500

Renewal fee waived on annual spends of ₹ 50,000.

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5% of spends as fuel points at IndianOil outlets, capped at 250 fuel points per month for first 6 months and 150 fuel points per month post 6 months from card issuance

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5% of spends as fuel points at IndianOil outlets, capped at 250 fuel points per month for first 6 months and 150 fuel points per month post 6 months from card issuance

5% of spends as fuel points on Groceries and Bill Payments, capped at 100 Fuel Points per month on each category

1 Fuel Point for every ₹ 150 spent on all other purchases

1% Fuel Surcharge Waiver at all fuel stations across India up to ₹ 250 per statement

Shoppers Stop HDFC Bank Credit Card

shopping

1st Year Fees

₹ Life time free.

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6 FC Points for every ₹ 150 spent on Private Label brand at Shoppers Stop, capped at 500 FC Points per month

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6 FC Points for every ₹ 150 spent on Private Label brand at Shoppers Stop, capped at 500 FC Points per month

2 FC Points for every ₹ 150 spent on spends on other brands of SS and Outside (except fuel and wallet) wallet), no capping

Annual Milestone benefits: 2000 FC Points on spending ₹ 2 Lakh per annum

1% Fuel Surcharge Waiver at all fuel stations across India upto ₹ 250 per month*

PayZapp Offer on select merchants like Swiggy, Zomato, Grofers, Bigbasket, Dominos etc

SmartBuy Offer on Travel, Hotels, Shopping

Welcome Gift voucher worth ₹ 500 redeemable in Shoppers Stop on min bill of ₹ 3000

1 FC point = ₹ 0.6

Shoppers Stop Black HDFC Bank Credit Card

shopping

reward

1st Year Fees

₹ 4500

₹ 1500 Welcome Gift voucher redeemable in Shoppers Stop.

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20 FC Points for every ₹ 150 spent on Private Label brand at Shoppers Stop, capped at 2000 FC Points per month

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20 FC Points for every ₹ 150 spent on Private Label brand at Shoppers Stop, capped at 2000 FC Points per month

15 FC Points for every ₹ 150 spent on spends on other brands of SS including Premium Brands, capped at 2000 FC Points per month and 5 FC Points for every ₹ 150 on other spends, no capping

Complimentary Shoppers Stop Black membership

1% Fuel Surcharge Waiver at all fuel stations across India upto ₹ 500 per month*

Airport Lounge Access: 4 per Qtr for domestic and 2 per Qtr for International

Welcome Gift voucher worth ₹ 1500 redeemable in Shoppers Stop on min bill of ₹ 5000

Accidental air death cover worth ₹ 3 Crore

Emergency overseas hospitalization up to ₹ 50 lakhs

Credit Liability Cover of up to ₹ 9 Lakh

IRCTC HDFC Bank Credit Card

travel

reward

1st Year Fees

₹ 500

Renewal membership fee waived off by spending ₹1,50,000 and above in the previous year.

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5 Reward Point for every ₹ 100 spent on IRCTC ticketing website and Rail Connect App (capped at ₹ 1000 per month)

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5 Reward Point for every ₹ 100 spent on IRCTC ticketing website and Rail Connect App (capped at ₹ 1000 per month)

1 Reward Point for every ₹ 100 spent on all other spends*

Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy

8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)

1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App.(Capped at ₹ 1000 per month)

Early activation offer/Welcome Benefit: Welcome Gift voucher worth ₹ 500 on card activation within first 37 days of card issuance

Milestone Benefit: Gift voucher worth INR 500 on quarterly spends of ₹ 30,000

Swiggy HDFC Bank Credit Card

food

cashback

1st Year Fees

₹ 500

Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.

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10% Cashback on Swiggy application (Food ordering, Instamart,Dineout & Genie)

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HDFC Bank CSC Small Business Moneyback

fuel

food

1st Year Fees

₹ 250

Renewal fee waived on annual spends of ₹ 25,000.

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4 RP/₹ 150 for all E-com spends and 2 RP/₹ 150 for all other Retail spends (except petrol, wallet, emi, rent and education)

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4 RP/₹ 150 for all E-com spends and 2 RP/₹ 150 for all other Retail spends (except petrol, wallet, emi, rent and education)

Get 5X Reward Points on Fuel (Maximum 1000 points in a month) – only 1st year

1,000 Bonus Reward Points on annual spends of ₹ 90,000

5% cashback on business essentials like Utility, Telecom, Govt and tax.(capped to ₹ 250 per month, minimum monthly spends of 10K) – only 1st year

Save upto 20% on dining bills paid via Swiggy-Dineout Pay using Swiggy app; Max discount of ₹ 300 per card per month

Fuel benefit: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹ 400 & maximum transaction of ₹ 5,000. Maximum waiver of ₹ 500 per statement cycle)

Up to 10% CashBack on travel and shopping spends via Smartbuy

Activation benefit – ₹ 250 gift voucher on making 1 transaction within 30 days of issuance

Note: Business Credit Card Holders can now make GST and Vendor Payments through Swifti. Current Account Holders can make GST and Vendor Payments using HDFC Business Credit Card through SmartHub Vyapar App

HDFC Bank Business Moneyback Credit Card

business

1st Year Fees

₹ 500

Renewal fee waived on annual spends of ₹ 50,000.

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4 RP/₹ 150 for all E-com spends and 2 RP /₹ 150 for all other Retail spends (except petrol, wallet, emi, rent and education)

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4 RP/₹ 150 for all E-com spends and 2 RP /₹ 150 for all other Retail spends (except petrol, wallet, emi, rent and education)

Get 5X Reward Points on Fuel (Maximum 1000 points in a month) – only 1st year

2,500 Bonus Reward Points on annual spends of ₹ 90,000

5% cashback on business essentials like Utility, Telecom, Govt and tax.(capped to ₹ 250 per month, minimum monthly spends of 10K) – only 1st year

Save upto 20% on dining bills paid via Swiggy-Dineout Pay using Swiggy app; Max discount of ₹ 300 per card per month

Fuel benefit: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹ 5,000. Maximum waiver of ₹ 500 per statement cycle)

Up to 10% CashBack on travel and shopping spends via Smartbuy

Activation benefit – ₹ 250 gift voucher on making 1 transaction within 30 days of issuance

Note: Business Credit Card Holders can now make GST and Vendor Payments through Swifti. Current Account Holders can make GST and Vendor Payments using HDFC Business Credit Card through SmartHub Vyapar App

HDFC Bank Business Regalia Credit Card

business

1st Year Fees

₹ 2500

Renewal fee waived on annual spends of ₹ 3 lacs.

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4 RP /₹ 150 for all Retail Spends excluding Petrol, wallet, EMI, Rent and Education ( 1 RP = Re 0.5)** On flight/ hotel booking

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4 RP /₹ 150 for all Retail Spends excluding Petrol, wallet, EMI, Rent and Education ( 1 RP = Re 0.5)** On flight/ hotel booking

10k bonus RP on anniversary spends of ₹ 5 lakhs , 5k additional Bonus RP on anniversary spends of ₹ 8 lakhs

5% cashback on business essentials like Utility, Telecom, Govt and tax. (capped to ₹ 500 per month, minimum monthly spends of 20K) – only in 1st Year

12 Complimentary Select Domestic Lounge visits in a year (capped at 3 visits per quarter). 6 Complimentary visits to international lounges using priority pass (on completion of minimum 4 retail txn)

Save upto 20% on dining bills paid via Swiggy-Dineout Pay using Swiggy app; Max discount of ₹ 300 per card per month

Fuel benefit: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹ 400 & maximum transaction of ₹ 5,000. Maximum waiver of ₹ 500 per statement cycle)

Up to 10X Reward points on travel and shopping spends via Smartbuy

Accidental air death cover worth ₹ 1 Crore

Emergency overseas hospitalization up to ₹ 15 lakhs

Lowest foreign currency mark up fee of 2% on International transactions

Activation benefit – ₹ 250 gift voucher on making 1 transaction within 30 days of issuance

Note: Business Credit Card Holders can now make GST and Vendor Payments through Swifti. Current Account Holders can make GST and Vendor Payments using HDFC Business Credit Card through SmartHub Vyapar App

YES First Exclusive

domestic-lounge

1st Year Fees

₹ 4000

Renewal fee waived on annual spends of ₹ 3 lacs.

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12 Reward Points for every INR 200 on all categories other than ‘Select categories’.

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12 Reward Points for every INR 200 on all categories other than ‘Select categories’.

8,000 Bonus RPs if renewal fee is charged (Applicable 2nd year onwards.

3 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember.

Annual membership fee Rs.1999.

6 complimentary International lounge access for Primary & Add-on Cardmembers.

2.99%/month Interest on revolving Credit.

Preferential Foreign Currency Markup is 1.75% only.

YES Premia

movie

international-lounge

1st Year Fees

₹ 2000

Renewal fee waived on annual spends of ₹ 2 lacs.

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6 Reward Points for every INR 200 on all categories other than ‘Select categories’.

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6 Reward Points for every INR 200 on all categories other than ‘Select categories’.

Avail 25% discount on movie tickets booked on BookMyShow Website or Mobile App.

Enjoy one complimentary Golf Lesson every calendar month at select golf courses in India.

Annual membership fee Rs.999.

12 Rewards Points on spend of each Rs 200.

Enjoy 25% discount on movie ticket bookings at BookMyShow.

3 complimentary International lounge visits per calendar year.

Accelerated reward points on Travel and Dining Spends

YP Edge

travel

dinning

golf-program

1st Year Fees

₹ 1000

Renewal fee waived on annual spends of ₹ 1 lac.

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4 Reward Points for every INR 200 on all categories other than ‘Select categories’

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4 Reward Points for every INR 200 on all categories other than ‘Select categories’

Enjoy 4 complimentary rounds of green fees per calendar year at select Golf courses in India.

8 Rewards Points on spend of each ₹ 200

Interest Rate (2.49% for FD - NRI Cards)

Annual Membership fee ₹ 399.

Dedicated Website for Flight/Hotel/Movie Ticket Booking with an Exclusive Catalogue of Products.

Accelerated reward points on Travel and Dining Spends

Preferential Foreign Currency Markup is 2.75%.

YP Rewards Plus

fuel

dinning

travel

1st Year Fees

₹ 500

Renewal fee waived on annual spends of ₹ 50,000.

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4 Reward Points for every INR 200 on all categories other than ‘Select categories’.

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Card Details

4 Reward Points for every INR 200 on all categories other than ‘Select categories’.

Accelerated rewards point on select transactions on YESCART.

8 Rewards Points on spend of each ₹ 200

Interest Rate (2.49% for FD - NRI Cards)

Annual Membership fee ₹ 399.

8 Rewards Points on spend of each ₹ 200.

Fuel surcharge waiver at all fuel stations across India

2X Reward Points on dining and travel spends

Credit Card

Handpicked Offers

HDFC Bank Millennia Credit Card

HDFC Bank Regalia Gold Credit Card

HDFC Bank Diners Club Black Credit Card

6E Rewards XL-IndiGo HDFC Bank Credit Card

Tata Neu Plus HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card

HDFC Bank Freedom Credit Card

HDFC Bank MoneyBack+ Credit Card

HDFC Bank Diners Club Privilege Credit Card

6E Rewards-IndiGo HDFC Bank Credit Card

IndianOil HDFC Bank Credit Card

Shoppers Stop HDFC Bank Credit Card

Shoppers Stop Black HDFC Bank Credit Card

IRCTC HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

HDFC Bank CSC Small Business Moneyback

HDFC Bank Business Moneyback Credit Card

HDFC Bank Business Regalia Credit Card

YES First Exclusive

YES Premia

YP Edge

YP Rewards Plus

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