Which HDFC credit card have best fees to reward ratio?

Credit Cards
1

I already have SBI credit card and I’m thinking to get HDFC credit card too. With SBI, I feel that the benefits/rewards to the fees is quite reasonable. Similarly, I wanted to know which HFDC credit card is best if we consider the fees and compare with all the benefits with it?

4

Since you already have credit card, I feel the first hand experience with HDFC card will help you to know better for yourself. I can tell you some of the different fees charged in HDFC:

  1. Joining & Annual Fees: depends on each card, starting from Rs 500. These are easily waived if you spend certain required amount.
  2. If you don’t pay your full bill on time, they charge around 3.49% per month on the remaining amount.
  3. Late Payment Fees: Varies from Rs 0-1300 on different slabs.
  4. 2.5% of the withdrawn amount or ₹500 (whichever is higher) in case of ATM withdrawals.
  5. If you use HDFC CC abroad, usually they charge 3.5% for most cards and 2% for premium ones.
  6. In case of spending over-limit, 2.5% or minimum ₹550 is charged.
  7. When you redeem your reward points, HDFC charges Rs 99 per redemption request.

Usually these charges can be avoided/waived so you need not be too concerned. You can check further by visiting : Credit Card - Apply for Credit Card & Get Instant Approval | HDFC Bank > Select Card > Know More > Fees and Charges

5

If you’re looking for an HDFC credit card with the best fees-to-rewards ratio, the HDFC Millennia Credit Card and HDFC Regalia Credit Card stand out for different types of users.

  • HDFC Millennia Credit Card is great if you’re into online shopping. With 5% cashback on Amazon, Flipkart, and other merchants, and a ₹1,000 annual fee (waived on ₹1L spend), it offers solid value for moderate spenders.
  • HDFC Regalia Credit Card is more premium, offering 4 reward points per ₹150 spent, domestic & international lounge access, and a ₹2,500 annual fee (waived on ₹3L spend).

If you spend a lot on travel and lifestyle, Regalia gives better perks. If you want a card with a lower fee and good cashback, Millennia is the way to go.