Below are some of the top credit cards to keep in India. We have categorized the content under different heads that may help you figure out which HDFC credit card is best in India.
One of the most well-known banks in India, HDFC Bank offers a variety of loan solutions to its clients. The bank is a participant in the credit market and offers credit cards and loans with competitive interest rates.
One of the things that many credit card users ignore the most is credit card interest rates. Late credit card payments are subject to monthly interest charges from all credit card companies, including HDFC Bank.
HDFC credit cardholders must comprehend how the bank charges an interest rate on bills of credit cards not paid, what kinds of payments attract interest charges, how the interest rate is calculated, and other related details specific to their credit card in order to take full advantage of the credit card’s interest-free period characteristic and revolving credit facility.
HDFC Bank Credit Card Interest Rate 2023
Here is the table for the credit card HDFC interest rate-
| HDFC Credit Card | HDFC CC Interest Rate |
| HDFC Regalia Credit Card | 43.2% p.a. |
| HDFC Titanium Edge Credit Card | 43.2% p.a. |
| InterMiles HDFC Bank Diners Club Credit Card | 23.88% p.a. |
| HDFC Diners Clubmiles Credit Card | 43.2% p.a. |
| HDFC Diners Club Premium Credit Card | 43.2% p.a. |
| HDFC Diners Club Black Credit Card | 23.88% p.a. |
| HDFC Millennia Credit Card | 43.2% p.a. |
| HDFC MoneyBack Credit Card | 43.2% p.a. |
| IndianOil HDFC Credit Card | 43.2% p.a. |
| HDFC Regalia First Credit Card | 43.2% p.a. |
Credit Card Loans
Within the framework of its Insta Loan and Insta Jumbo Loan programmes, HDFC Bank furthermore offers credit card loans. Your credit limit will be capped to the amount you can borrow when you take out an instant loan; however, you can borrow more when you take out an instant jumbo loan. The maximum loan amount and interest rate that each user is eligible for vary, though.
Top HDFC Credit Cards
Some of the top credits cards offered by HDFC Bank are-
| Credit Card Names | Joining Fees | Annual Charges |
| HDFC Regalia Credit Card | Rs. 2,500 | Rs. 1,000 |
| HDFC Titanium Edge Credit Card | – | – |
| InterMiles HDFC Bank Diners Club Credit Card | Rs. 5,000 | Rs. 5,000 |
| HDFC Diners Club miles Credit Card | Rs. 1,000 | Rs. 1,000 |
| HDFC Diners Club Premium Credit Card | Rs. 2,500 | Rs. 2,500 |
| HDFC Diners Club Black Credit Card | Rs. 10,000 | Rs. 10,000 |
| HDFC Millennia Credit Card | Rs. 1,000 | Rs. 1,000 |
HDFC Credit Cards’ features
While every HDFC card has its own set of benefits, most of the bank’s credit cards share a few common characteristics.
The attributes that are listed below are:
- HDFC Regalia Credit Cards
You can visit airport lounges for free with this card: A free Priority Pass membership allows you to access more than 1,000 airport lounges across the globe. The principal member and the additional credit cards will each enjoy six gratis journeys to lounges outside of India in a calendar year.
- InterMiles HDFC Bank Diners Club Credit Cards
A welcome bonus of 25,000 InterMiles points is available, and using the InterMiles website to book travel and lodging will earn you up to 16 InterMiles.
- HDFC Diners Clubmiles Credit Cards
The greatest air mile programme available in the market is included with a premium travel card, and you can access both domestic and foreign airport lounges.
- HDFC Diners Club Premium Credit Cards
The Diners Club website allows you to buy plane tickets and book hotels. You will be credited with 2,500 reward points as a welcome bonus after paying the annual fee for the card.
HDFC Credit Cards Application Process
The following are the processes to apply for an HDFC credit card online-
Step 1: Visit the official HDFC website. (https://www.hdfcbank.com/personal/pay/cards/credit-cards)
Step 2: Navigate to the ‘Credit Cards’ section and select a credit card that suits your requirements.
Step 3: Examine the documentation requirements and credit card eligibility restrictions..
Step 4: Complete the online application by providing all the necessary details. Additionally, you can apply for a credit card and provide the necessary paperwork at any HDFC branch or ATM.
Step 5: Your credit card will be sent to your communication address once the bank approves your application..
Step 6: You will need to provide identification and sign for it when it is delivered.
The advantages of applying for a credit cards from HDFC Bank
While every HDFC card has unique advantages, the majority of HDFC Bank credit cards have a few things in common. A few benefits are shown below:
- Credit card loans are offered by HDFC Bank via their Insta Loan and Insta Jumbo Loan services. An Insta Jumbo Loan enables you to borrow more than your available credit limit, however an Insta Loan will block your credit limit for the amount borrowed.
- You can split up major purchases into installments and pay them off over a period of three to twenty-four months, or longer in some cases, with HDFC Bank’s Smart EMI option. These EMIs typically carry interest, however the bank occasionally provides free EMIs to specific retailers.
- You can transfer an outstanding balance to your credit card from another provider if you are having trouble paying it back on that credit card. This will enable you to pay without fines or interest charges in convenient installments.
Interest rates on balance transfers will still apply, but they won’t be as high as they would be with credit card financing.
- Balance transfers will still incur interest charges, although they will be lower than credit card finance charges.
Other Bank’s Credit Card Interest Rate
| SBI Credit Card Interest Rate | Axis Bank Credit Card Interest Rate |
| Bank of Baroda Credit Card Interest Rate | HDFC Bank Credit Card Interest Rate |
| Canara Bank Credit Card Interest Rate | ICICI Bank Credit Card Interest Rate |
| IndusInd Bank Credit Card Interest Rate | IDFC FIRST Bank Credit Card Interest Rate |