With a wide range of credit cards on offer, choosing the best HDFC credit card that aligns with your spending habits and lifestyle can be challenging.
This article provides a detailed comparison of popular HDFC credit cards based on their key features, fees, rewards and benefits. It analyzes cards like HDFC Millennia, Diners Clubmiles and Regalia First cards across parameters like rewards points system, fees, complimentary services and more.
The comparison summarizes the pros and cons of each card to help you decide the HDFC credit card most suitable for your financial requirements and spending patterns. This will assist you in finding the ideal HDFC credit card tailored to your specific needs.
HDFC Bank Millennia Credit Card
The Millennia credit card is a lifestyle rewards card aimed at young professionals. Some key features include:
Flexible Reward Points System
You earn 2 reward points for every ₹150 spent on the card. Reward points can be redeemed for anything from shopping vouchers, flight tickets, hotel bookings, to fuel surcharge waivers. There is no restriction on how you want to use the points.
Complimentary Airport Lounge Access
Get access to domestic airport lounges 4 times a year. This can make your travels more comfortable and convenient.
Fuel Surcharge Waiver
Get 1% fuel surcharge waiver on fuel transactions between ₹500 – ₹4000. This helps save money on your petrol expenses.
Pros
- Reward points don’t expire and can be redeemed freely
- Airport lounge access helps elevate travel experience
- Low minimum spends to earn rewards
Cons
- Annual fees – ₹1,000 + taxes
- Interest rates could be higher than other cards
HDFC Bank Diners Clubmiles Credit Card
This is a premium travel rewards credit card offering exclusive benefits and privileges. Key features include:
High Reward Points Earning
You earn 10 reward points for ₹150 spent on domestic and international air tickets/hotel bookings done online. 1 point is earned for every ₹150 spent otherwise.
Complimentary Clubmiles Membership
Automatic and free membership to the Diners Clubmiles program which unlocks benefits like free airport transfers, excess baggage allowance, lounge access, etc.
Higher Credit Limit
Generally offers higher credit limit than other cards, ideal for frequent travellers.
Pros
- Lucrative rewards on travel bookings
- Premium travel privileges with Clubmiles
- Higher credit limit
Cons
- Steep annual fees – ₹3,000 + taxes
- Points don’t have flexible redemption options
HDFC Bank Regalia First Credit Card
This invites-only ultra-premium credit card has exclusive benefits and services tailored for affluent customers. Key features:
Luxury Concierge Services
Get assistance for travel planning, restaurant bookings, event ticketing, or any other lifestyle needs from the dedicated concierge desk available 24×7.
Complimentary Domestic Airport Lounge Access
Get complimentary access to domestic VIP lounges, irrespective of the airline or class flown.
Higher Rewards on Dining, Groceries, etc.
Earn higher reward points on everyday spends like dining, grocery, entertainment, which can be redeemed for cashback.
Pros
- Personalized luxury services
- Lounge access beyond travel
- Lucrative rewards on everyday spends
Cons
- Invites-only card, not easily available
- Very high annual fees – ₹12,000 + taxes
- Fees on add-on cards
Verdict: Which HDFC Credit Card is Best for You?
Based on this overview, the HDFC Millennia Credit Card is the best pick if you want maximum flexibility and ease of earning and redeeming reward points on all kinds of spends without incurring high fees.
The Diners Clubmiles Credit Card is better suited for frequent travellers looking to earn maximum rewards on travel bookings and enjoy premium travel privileges.
The Regalia First Credit Card is the most premium HDFC offering with bespoke services, higher rewards and credit limit, but primarily meant for ultra-high net worth individuals due to its exclusivity and high fees.
Analyze your spending patterns and lifestyle needs, and match them against the features of these cards to find the perfect HDFC credit card for you.
Which card is better HDFC Millennia or Platinum?
The HDFC Millennia Credit Card is more beneficial than the HDFC Platinum Card for most customers. The Millennia card offers more flexibility and value with its rewards program – you earn 2 reward points per ₹150 spent which can be redeemed for anything without restrictions.
The Millennia also provides complimentary domestic airport lounge access 4 times annually. In contrast, the Platinum card has a simpler earning structure of 1 reward point per ₹150 spent, with redemptions largely limited to cashbacks or vouchers.
For someone looking for a card with easy rewards earnings and redemptions on all spending, the HDFC Millennia Credit Card is preferable over the HDFC Platinum Card. The lounge access is an added plus.
Frequently asked questions
Q. Which HDFC credit card has the best rewards program?
The HDFC Millennia Credit Card likely has the best rewards program. It offers 2 reward points per ₹150 spent that can be redeemed flexibly for vouchers, tickets, hotel stays, etc without restrictions.
Q. Which HDFC credit card is good for travel benefits?
The HDFC Diners Clubmiles Credit Card is the best for travel benefits. It offers 10x rewards points on travel bookings and complimentary access to Diners Clubmiles program for lounge access and other premium privileges.
Q. What is the joining/annual fee for HDFC Regalia First Card?
The HDFC Regalia First Card has no joining fee but has a high annual fee of ₹12,000 + taxes. It is an ultra-premium card aimed at affluent customers.
Q. Is lounge access free with HDFC Millennia?
Yes, the HDFC Millennia card offers complimentary access to domestic airport lounges 4 times in a year.
Q. Which HDFC credit card has no annual fees?
The basic HDFC BankCard Credit Card has no annual or joining fees. However, it also does not offer significant rewards or privileges.
Conclusion
In summary, the HDFC Millennia Credit Card is the best pick for most customers seeking maximum flexibility and ease of earning and redeeming reward points. The Diners Clubmiles Credit Card is a better choice for frequent travellers who want to maximize travel rewards and elite privileges.
The ultra-premium Regalia First Card is suited only for high-networth individuals due to its exclusivity and high fees.
Analyze your spending patterns, lifestyle needs and financial goals to determine the ideal HDFC credit card tailored for you. Match the rewards systems, fees, complimentary benefits against your requirements to find the HDFC credit card that adds the most value for your money.