Hey there! So you’re looking to pick the perfect credit card? Let’s break it down simply:
1. Swiggy HDFC Bank Credit Card
- What It Offers: Free Swiggy One Membership for 3 months, contactless payments up to ₹5000, and interest-free credit up to 50 days.
- Rewards: 10% cashback on Swiggy, 5% on online spends, and 1% on everything else.
- Who It’s For: Those with a monthly income of ₹25,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
2. Regalia Gold Credit Card
- What It Offers: Welcome benefits, contactless payments, and comprehensive protection.
- Rewards: ₹1500 in vouchers for spending ₹1.5 lakh per quarter, ₹5000 flight vouchers annually, and 5X points on select stores.
- Who It’s For: Salaried with a net income of ₹1 lakh+ or self-employed with an ITR of ₹12 lakhs+.
3. IRCTC HDFC Bank Credit Card
- What It Offers: Interest-free credit up to 50 days, smart EMI options, and access to IRCTC lounges.
- Rewards: 5 points per ₹100 on IRCTC spends, 1 point per ₹100 elsewhere, plus 5% cashback on train tickets via SmartBuy.
- Who It’s For: Those with a monthly income of ₹25,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
4. Tata Neu Plus HDFC Bank Credit Card
- What It Offers: No lost card liability, interest-free credit, and domestic lounge access.
- Rewards: 2% back on Tata Neu and partners, 1% back on other spends, and 5% on selected categories via Tata Neu App.
- Who It’s For: Monthly income of ₹25,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
5. Tata Neu Infinity HDFC Bank Credit Card
- What It Offers: Welcome benefits, insurance, lounge access, and foreign currency markup.
- Rewards: 5% back on Tata Neu spends, 1.5% on other spends, and additional 5% on selected categories via Tata Neu App.
- Who It’s For: Monthly income of ₹1 lakh+ (salaried) or an ITR of ₹12 lakhs+ (self-employed).
6. Dinners Club Privilege Credit Card
- What It Offers: Welcome benefits, travel perks, and lounge access.
- Rewards: Buy 1 get 1 free on movie tickets, 5X points on Swiggy and Zomato, and complimentary lounge access.
- Who It’s For: Monthly income of ₹70,000+ (salaried) or an ITR of ₹8.4 lakhs+ (self-employed).
7. Money Back + Credit Card
- What It Offers: No lost card liability and interest-free credit.
- Rewards: 10X points on major retailers, 5X on EMI spends, and up to 20% discount at partner restaurants.
- Who It’s For: Monthly income of ₹20,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
8. 6E Rewards – IndiGo HDFC Bank Credit Card
- What It Offers: 6E rewards on IndiGo, discounted convenience fees, and a welcome flight ticket.
- Rewards: 2.5% rewards on IndiGo spends, and 1% on other spends.
- Who It’s For: Monthly income of ₹50,000+ (salaried) or an ITR of ₹7.2 lakhs+ (self-employed).
9. Millennia Credit Card
- What It Offers: No lost card liability, cashback, and welcome benefits.
- Rewards: 5% cashback on various merchants, 1% on other spends, and up to 20% off at partner restaurants.
- Who It’s For: Monthly income of ₹35,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
10. Freedom Credit Card
- What It Offers: 10X points on favorite merchants, 5X on EMI spends, and cashback benefits.
- Rewards: Up to 20% off at partner restaurants and 1% transaction charge waiver at fuel stations.
- Who It’s For: Monthly income of ₹12,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
11. Indian Oil Credit Card
- What It Offers: Fuel rewards, zero lost card liability, and interest-free credit.
- Rewards: Up to 50 liters of free fuel annually and 5% back on IndianOil spends.
- Who It’s For: Monthly income of ₹10,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
12. Dinners Club Black Credit Card
- What It Offers: Exclusive memberships, travel perks, and lounge access.
- Rewards: Up to 10X points on select categories, complimentary golf games, and exclusive vouchers.
- Who It’s For: Monthly income of ₹1.75 lakhs+ (salaried) or an ITR of ₹21 lakhs+ (self-employed).
13. HDFC Bank Times Platinum Credit Card
- What It Offers: Times Prime membership, dining discounts, and rewards.
- Rewards: 50% off movie tickets, up to 20% off on shopping, and 3 points per ₹150 spent.
- Who It’s For: Monthly income of ₹35,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
14. HDFC Bank Times Credit Card
- What It Offers: Times Prime membership, dining offers, and rewards.
- Rewards: 25% off movie tickets, up to 20% off on shopping, and 2 points per ₹150 spent.
- Who It’s For: Monthly income of ₹25,000+ (salaried) or an ITR of ₹6 lakhs+ (self-employed).
15. 6E Rewards – IndiGo HDFC Bank Credit Card
- What It Offers: Rewards on IndiGo, dining privileges, and contactless payments.
- Rewards: 2.5% rewards on IndiGo, 2% on groceries and dining, and discounted convenience fees.
- Who It’s For: Monthly income of ₹50,000+ (salaried) or an ITR of ₹7.2 lakhs+ (self-employed).
16. 6E Rewards XL-IndiGo HDFC Bank Credit Card
- What It Offers: Increased rewards, lounge access, and dining privileges.
- Rewards: 5% rewards on IndiGo, 3% on groceries, and 8 lounge accesses per year.
- Who It’s For: Monthly income of ₹1.2 lakhs+ (salaried) or an ITR of ₹14.4 lakhs+ (self-employed).
Feel free to choose based on what suits your needs and spending habits best!