Best Credit Cards to Maximize Your Benefits
HDFC Swiggy Credit Card
Rewards
Cashback
Dine in
Annual Fee
Credit Score
Income
: ₹500
: 720
: ₹25,000
-
Annual Fee : ₹500
-
Minimum Income : ₹15000+ pm
-
10% Cashback on Swiggy (Instamart, Dineout & Genie).
-
1% Waiver On Fuel
Swiggy HDFC Bank Credit Card, 10% cashback on various Swiggy spends, 5% cashback on online purchases, and 1% cashback on offline transactions and other related apps
HDFC Millenia Credit Card
Cashback
Online Spends
Lifestyle
Annual Fee
Credit Score
Income
: ₹1,000
: 720+
: ₹35,000+
-
Annual Fee : ₹1000
-
Minimum Income : ₹35000+ pm
-
5% on top apps + 1% on others + fuel waiver
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Free Domestic Airport Lounge Access
HDFC Millennia Credit Card gives 5% cashback on top online brands, 1% cashback everywhere else, free lounge visits on high spend, and fuel surcharge waiver. Best suited for young professionals and heavy online shoppers
HDFC Phone Pe UNO Credit Card
Rewards
Cashback
UPI
Annual Fee
Credit Score
Income
: ₹499 +
: 700+
: ₹20,000
-
Annual Fee : ₹499
-
Minimum Income : ₹12000+ pm
-
5% Cashback on PhonePe & UPI transactions.
-
1% Waiver On Fuel
PhonePe HDFC Bank Credit Card, 5% cashback on PhonePe UPI payments and transactions, 2% cashback on online spends, and 1% cashback on offline transactions and other related apps
HDFC Tata Neu Infinity Credit Card
Rewards
Cashback
Shopping
Annual Fee
Credit Score
Income
: ₹1,499
: 750
: ₹40,000
-
Annual Fee : ₹1,499
-
Minimum Income : ₹40000+ pm
-
10% on Tata Neu, 5% on partners, 1.5% on others
-
1% Waiver On Fuel
HDFC Tata Neu Infinity Credit Card gives 10% back as NeuCoins on Tata Neu & partner brands, 5% on other Tata partner spends, and 1.5% on all other spends, making it a top choice for Tata ecosystem users
HDFC Diners Club International Credit Card
Rewards
Travel
Lifestyle
Annual Fee
Credit Score
Income
: ₹500
: 700
: ₹20,000
-
Annual Fee : ₹500+
-
Minimum Income : ₹20000+ pm
-
3 RP per ₹150 + Free Lounge Access
-
1% Waiver On Fuel
HDFC Diners Club International Credit Card offers travel and lifestyle benefits with lounge access and rewards on every spend.
HDFC Infinia Metal Credit Card
Rewards
Travel
Lifestyle
Annual Fee
Credit Score
Income
: ₹12,500
: 750+
: Invitation Only
-
Annual Fee : ₹12,500 +
-
High Income & Credit Score required
-
5 RP/₹150 + Unlimited Lounge + Club Marriott + Golf & Travel.
-
1% Waiver On Fuel
The HDFC Infinia Metal Credit Card is a premium lifestyle card that offers unlimited lounge access along with higher rewards. It also comes with Club Marriott membership, golf privileges, and luxury travel benefits.
HDFC Moneyback Credit Card
Annual Fee
Credit Score
Income
: 0
: 0
: NA
-
Annual Fee : ₹500
-
Minimum Income : ₹20000
-
10X CashPoints on Amazon, BigBasket, Flipkart, & Swiggy
-
2 CashPoints per ₹150 spent
Rewards
Travel
Lifestyle
The HDFC MoneyBack Credit Card is a beginner-friendly card that rewards everyday spending. It offers cashback benefits on online and offline purchases along with a fuel surcharge waiver, making it a great entry-level option