Credit cards are a valuable financial tool, especially for salaried employees looking to maximise their spending power and earn rewards. Let us find out “Which HDFC Credit Card is Best”. HDFC Bank offers various credit cards tailored to various needs, including travel, shopping, dining, and more. This blog will guide you through the best HDFC credit cards for salaried employees, highlighting their key features, benefits, and how they can cater to different lifestyle needs.
Best HDFC Credit Cards for Salaried Employees
Here are some of the top HDFC credit cards that are ideal for salaried individuals:
| Credit Card | Annual Fee | Key Benefits |
| HDFC Regalia Credit Card | ₹2,500 | High reward points, complimentary lounge access, Priority Pass membership, insurance cover |
| HDFC MoneyBack+ Credit Card | ₹500 | Cashback on online shopping, welcome benefits, discounts at partner restaurants |
| HDFC Millennia Credit Card | ₹1,000 | Cashback on popular brands like Amazon, Flipkart, Swiggy, and more, lounge access, easy fee waiver criteria |
| HDFC Diners Club Privilege Card | ₹2,500 | High reward points on dining and travel, complimentary memberships, golf privileges, low forex markup |
| HDFC Infinia Credit Card | ₹12,500 | Premium benefits, unlimited lounge access, high reward rates, concierge services, extensive travel and dining perks |
| HDFC Tata Neu RuPay Credit Card (Plus & Infinity) | ₹499 (Plus) / ₹1,499 (Infinity) | NeuCoins on spends, special benefits on Tata brands, discounts on dining and shopping, lounge access (Infinity) |
Detailed Overview of Each Card
1. HDFC Regalia Credit Card
- Annual Fee: ₹2,500
- Key Benefits:
- Earn 4 reward points for every ₹150 spent.
- Complimentary Priority Pass membership for international lounge access.
- 12 complimentary domestic lounge visits per year.
- Insurance cover including air accident death cover and emergency overseas hospitalisation.
- Low foreign exchange markup fee of 2%.
Why it’s great for salaried employees: This card is ideal for those who travel frequently and spend significantly on retail purchases. The comprehensive rewards program and travel benefits offer excellent value.
2. HDFC MoneyBack+ Credit Card
- Annual Fee: ₹500
- Key Benefits:
- 10X CashPoints on Flipkart, Amazon, Swiggy, and more.
- Welcome benefit of 500 CashPoints.
- 2 CashPoints per ₹150 spent on other categories.
- Up to 15% discount at partner restaurants.
Why it’s great for salaried employees: This card is perfect for beginners or those with modest spending, offering substantial cashback on everyday purchases and a low annual fee.
3. HDFC Millennia Credit Card
- Annual Fee: ₹1,000
- Key Benefits:
- 5% cashback on Amazon, Flipkart, BookMyShow, Swiggy, and more.
- 8 complimentary domestic lounge visits per year.
- Annual fee waiver on spending ₹1 Lakh in the previous year.
- 1% cashback on all other transactions.
Why it’s great for salaried employees: Designed for millennials, this card provides significant cashback on popular brands and is suitable for those who frequently shop online.
4. HDFC Diners Club Privilege Card
- Annual Fee: ₹2,500
- Key Benefits:
- 4 reward points per ₹100 spent.
- 10X reward points on SmartBuy.
- Complimentary memberships to Amazon Prime, Times Prime, and more.
- Low foreign exchange markup fee of 2%.
- 12 complimentary airport lounge access per year.
Why it’s great for salaried employees: This card offers premium benefits at a reasonable fee, making it suitable for those who enjoy dining out and travelling.
5. HDFC Infinia Credit Card
- Annual Fee: ₹12,500
- Key Benefits:
- Earn 5 reward points for every ₹150 spent.
- Complimentary annual membership to Club Marriott.
- Unlimited lounge access worldwide.
- Complimentary Dineout Passport Membership.
- Extensive golf course access.
Why it’s great for salaried employees: As a super-premium card, Infinia is best suited for high-income earners who spend extensively and want top-tier benefits across travel, dining, and lifestyle categories.
6. HDFC Tata Neu RuPay Credit Card (Plus)
- Annual Fee: ₹499
- Key Benefits:
- Earn NeuCoins on every spend.
- 2% NeuCoins on Tata brand spends.
- 1% NeuCoins on other spends.
- Discounts on dining and shopping.
- Welcome benefits worth ₹500 NeuCoins on activation.
Why it’s great for salaried employees: This card is ideal for those who frequently shop with Tata brands and want to earn NeuCoins on their spending.
7. HDFC Tata Neu RuPay Credit Card (Infinity)
- Annual Fee: ₹1,499
- Key Benefits:
- Earn NeuCoins on every spend.
- 5% NeuCoins on Tata brand spends.
- 1.5% NeuCoins on other spends.
- Complimentary domestic and international lounge access.
- Discounts on dining and shopping.
- Welcome benefits worth ₹1,499 NeuCoins on activation.
Why it’s great for salaried employees: This card offers extensive rewards on Tata brand purchases and additional benefits like lounge access, making it suitable for frequent travellers and shoppers.
RuPay Benefits:
- Wide Acceptance: Enjoy acceptance at numerous merchants and ATMs across India.
- Offers and Discounts: Avail exclusive offers and discounts on popular brands and services.
- Secure Transactions: Benefit from enhanced security features for all your transactions.
- Access to Government Services: Easy access to various government services and schemes.
Cashback Benefits:
- UPI Transactions: Earn 1.5% cashback on UPI transactions made using this credit card, adding extra value to your everyday purchases.
Choosing the right HDFC credit card depends on your spending habits, lifestyle, and financial goals. For salaried employees, the HDFC Regalia, MoneyBack+, Millennia, Diners Club Privilege, Infinia, UPI RuPay, and Tata Neu RuPay credit cards offer a range of benefits that can enhance your spending experience and provide significant rewards. Assess your needs and choose the card that aligns best with your lifestyle.
Apply for the best HDFC credit cards here.
Explore these options and make an informed decision to get the most out of your HDFC credit card.
Terms and conditions apply. The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Credit card approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the bank’s requirements.
