Top HDFC Credit Cards & Key Benefits
1. HDFC Bank Tata Neu Infinity Credit Card (Best for Shoppers & Tata Brand Users)
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5% NeuCoins on Tata Neu app & partner Tata brands (non-EMI spends).
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1.5% NeuCoins on other non-Tata brand spends & EMI spends.
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1.5% NeuCoins on UPI spends (capped at ~500 NeuCoins/month).
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1% fuel surcharge waiver (transactions ₹400–₹5,000, capped per billing cycle).
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Welcome benefit: 1,499 NeuCoins on first transaction & verification.
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Complimentary lounge access at select domestic airports (subject to spend milestones).
2. HDFC Bank Swiggy Credit Card (Best for Foodies & Online Spenders)
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10% cashback on Swiggy (Food, Instamart, Dineout, Genie).
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5% cashback on online spends via select merchants.
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1% cashback on all other spends.
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Welcome benefit: Free 3-month Swiggy One membership.
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Extra perks: Travel offers like 6% instant discount on domestic & international flights via Paytm Travel.
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Annual fee: Around ₹500 + GST (waived off on spends of ~₹2,00,000 annually).
3. Marriott Bonvoy HDFC Credit Card (Best for Frequent Travelers)
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1 Free Night Award on payment of the joining fee.
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Earn Marriott Bonvoy Points on spends (redeemable at hotels worldwide).
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Complimentary lounge access at airports.
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Smart EMI / Dial-an-EMI facility.
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Annual fees depend on the variant; suited for high-frequency travelers.
4. HDFC IRCTC Credit Card (Best for Train Travelers)
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5 Reward Points for every ₹100 spent on IRCTC website ticket bookings.
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Interest-free credit period available.
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Smart EMI facility on transactions.
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Reward Points redeemable for travel & lifestyle spends.
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Fuel surcharge waiver benefits on transactions at petrol pumps.
