HDFC Bank offers several credit cards that cater to different needs of customers. Among these, the HDFC Freedom Credit Card, HDFC Indian Oil Credit Card, and HDFC Regalia Gold Credit Card are some of the most popular ones. In this blog post, we will compare these three credit cards and see which one offers the best benefits for you.
HDFC Freedom Credit Card
The HDFC Freedom Credit Card is a basic credit card that offers a range of benefits to its users. It is ideal for people who are looking for a card with no annual fee and want to earn cashback on their purchases.
HDFC Freedom Credit Card Key Benefits:
10X CashPoints on Big Basket, BookMyshow, OYO, Swiggy & Uber
1 CashPoint per Rs.150 spent on all other purchases
Welcome benefit of 500 CashPoints on first transaction within 90 days of card issuance
No annual fee
HDFC Indian Oil Credit Card
The HDFC Indian Oil Credit Card is designed for people who frequently use their car or bike for commuting or traveling. It offers attractive fuel rewards and other benefits.
HDFC Indian Oil Credit Card Key Benefits:
5% of spends on IndianOil Fuel outlets, Groceries & Utility payments
1 Fuel Point per Rs.150 spent on all other purchases
Welcome benefit of Rs.2500 gift vouchers
No annual fee
HDFC Regalia Gold Credit Card
The HDFC Regalia Gold Credit Card is a premium credit card that offers exclusive benefits and rewards to its users. It is ideal for people who want to enjoy a luxurious lifestyle and travel frequently.
HDFC Regalia Gold Credit Card Key Benefits:
5X Reward Points for every Rs.150 spent at Marks & Spencer, Myntra, Nykaa, Reliance Digital!
4 Reward Points per Rs.150 spent on all other purchases
Complimentary Club Vistara Silver Tier and MMT Black Elite membership
Complimentary lounge access at over 1000 airports
Welcome gift vouchers worth Rs. 2500
Comparison : Let's compare these three credit cards based on their key features.
Annual fee:
- HDFC Freedom Credit Card: No annual fee
- HDFC Indian Oil Credit Card: No annual fee
- HDFC Regalia Gold Credit Card: Rs. 2,500 (excl. GST)
Reward points:
- HDFC Freedom Credit Card: 1 CashPoint per Rs.150 spent on all purchases
- HDFC Indian Oil Credit Card: 1 Fuel Point per Rs.150 spent on all purchases
- HDFC Regalia Gold Credit Card: 4 Reward Points per Rs.150 spent on all purchases
Welcome benefit:
- HDFC Freedom Credit Card: 500 CashPoints on first transaction within 90 days of card issuance
- HDFC Indian Oil Credit Card: Rs. 2500 gift vouchers
- HDFC Regalia Gold Credit Card: Welcome gift vouchers worth Rs. 2500
Milestone Benefits
- HDFC Freedom Credit Card: None.
- HDFC Indian Oil Credit Card: Get Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh.
- HDFC Regalia Gold Credit Card: Get Rs. 5,000 worth vouchers on annual spends of Rs. 5 lakh and additional Rs. 5,000 worth vouchers on annual spends of Rs. 7.5 lakh.
Additional Benefits
- HDFC Freedom Credit Card: 10x cash points on Big Basket, BookMyShow, OYO, Swiggy, and Uber, dining discounts via Dineout.
- HDFC Indian Oil Credit Card: Complimentary lounge access at over 1,000 airports.
- HDFC Regalia Gold Credit Card: Complimentary lounge access at over 1,000 airports, 5x on EMI spends, and airport pick up & drop voucher for flight bookings.
Eligibility
- HDFC Freedom Credit Card: Minimum age of 21 years and a maximum age of 60 years, with a minimum income of Rs. 12,000 per month.
- HDFC Indian Oil Credit Card: Minimum age of 21 years and a maximum age of 60 years, with a minimum income of Rs. 20,000 per month.
- HDFC Regalia Gold Credit Card: Minimum age of 21 years and a maximum age of 60 years, with a minimum income of Rs. 1.2 lakh per month.
In conclusion, choosing the right credit card can make a significant difference in your financial life. HDFC Bank offers various credit cards with unique features and benefits that cater to different needs and lifestyles. The HDFC Freedom Credit Card, HDFC Indian Oil Credit Card, and HDFC Regalia Gold Credit Card are popular choices for their rewards programs and other perks.
Before applying for any credit card, it's crucial to assess your spending habits and financial goals to determine which card best suits your needs. Consider factors like the rewards structure, fees, and interest rates to make an informed decision. Additionally, always use credit cards responsibly and make timely payments to avoid any negative impact on your credit score.
Overall, HDFC Bank credit cards are a great option for those looking to earn rewards and benefits on their daily expenses. With careful research and analysis, you can choose the card that fits your lifestyle and helps you achieve your financial goals.
