Best 10 HDFC Credit Card For Lounge Access In India-2024
The 1994-founded HDFC Bank is a leading private bank in India, known for offering a variety of financial services and offerings. Particularly popular among them are HDFC credit cards, which are a great option for regular travellers because of their exclusive lounge access benefits. Cards that give users free access to both domestic and international airport lounges.?
HDFC credit cards are the best on the market for lounge privileges. To improve the whole travel experience, these lounges offer a cosy setting with extras like free Wi-Fi and beverages. With the help of these cards, HDFC assures that users travel in luxury and style, keeping the bank's dedication to offering ease along with excellent value.?
List of Top HDFC Credit Cards?
1. HDFC Bank Diners ClubMiles Card
This card is very appreciated by people who value comfort on their travels because it is a member of HDFC Bank's Diners Club lineup that offers a number of travel-related benefits, such as special access to airport lounges. More than 1,000 airport lounges across the globe are free to enter with the Diners ClubMiles Card. Additionally, to free food and drink, high-speed internet, cosy seats, and other perks that make flight delays more enjoyable, cardholders have access to a limited number of lounges located in India's main airports. Also, the card has points for rewards that can be collected with each purchase and used for hotel stays, flights, or other travel-related services.
2. HDFC Bank Business Regalia Credit Card
For professionals in business who want one credit card that offers elegance, ease, and financial management, the HDFC Bank Business Regalia Credit Card is an excellent option. Due to its frequent travel advantages, which include free access to airport lounges both domestically and internationally, the Business Regalia Credit Card is extremely beneficial. Also, cardholders receive free insurance protection for travel-related dangers, minimal foreign exchange markup fees, and a personal assistant that makes business travel more convenient. The card also includes powerful security features, high credit limits, and cost management features.
3. HDFC Bank Marriott Bonvoy Credit Card?
Travellers who often stay at Marriott hotels and wish to take advantage of their benefits and points can apply for the co-branded HDFC Bank Marriott Bonvoy Credit Card. Marriott Bonvoy points are collected on every purchase made with this card, and points can be earned more quickly for spending at Marriott hotels. Marriott's vast global network of resorts and hotels offers a range of experiences that can be obtained by using these points, including free nights and room upgrades. For regular travellers, the card's value is increased by offering an annual free night stay coupon at select Marriott Bonvoy properties.
4. HDFC Bank 6E Rewards XL- IndiGo Credit Card?
A travel credit card designed particularly for loyal travellers who love travelling with IndiGo Airlines and work with the airline. Every purchase made by cardholders earns them 6E benefits, with greater benefits awarded for dining, grocery shopping, and IndiGo bookings for trips. This reward program is perfect for frequent IndiGo travellers because it can be used to book flights, add-ons, and other services. All things considered, the HDFC Bank 6E Rewards XL-IndiGo Credit Card is the best choice for IndiGo fans who wish to take advantage of special perks, reduce travel expenses, and earn points on everyday goods.
5. HDFC Bank Business Regalia Gold Credit Card
HDFC Bank Business Regalia Gold Credit Card While waiting for a flight, cardholders can enjoy access to a number of domestic and international airport lounges, making their stay comfortable and convenient. These lounges come furnished with facilities, including cosy chairs, newspapers and magazines, charging stations, free Wi-Fi, and food and drinks. The lounge access perk improves cardholders' overall travel experience by allowing them to unwind, work, or recharge while travelling. Every month, the card is limited to a set number of free lounge visits, so frequent travellers can always take advantage of these benefits when travelling for business.
6. HDFC Bank Times Titanium Credit Card?
As part of a plan to provide a lifestyle-centric credit card with a focus on eating and entertainment, HDFC Bank and the Times Group launched the HDFC Bank Times Titanium Credit Card. This card is meant to serve people who often spend cash on dining out, shopping, and entertainment by offering them exclusive benefits and discounts. For those who often visit movies and take in good cuisine, it is the best option because it offers exclusive discounts and savings on movie tickets purchased through partner platforms, as well as extra reward points for dining.
7. HDFC Bank Tata Neu Infinity Credit Card?
HDFC Bank Tata Neu Infinity Credit Card? is a premium co-branded credit card that is available in partnership with Tata Neu. It will provide a variety of benefits that are designed specifically to improve the shopping, travel, and lifestyle experiences of its users. Those who shop on Tata Group's digital platform, Tata Neu, as well as other Tata brands like AirAsia India, BigBasket, Tata Cliq, IHCL (Taj Hotels), Croma, and others, will find this card particularly helpful as it waives 1% of fuel surcharges at all petrol pumps in India, saving on fuel costs.
8. HDFC Bank Times Platinum Credit Card?
The HDFC Bank Times Platinum Credit Card is a lifestyle credit card that was developed for people who like to spend money on shopping, dining, and entertainment. Its reward structure, along with special discounts and benefits, makes it a reasonable choice for people who want to save money on their entertainment costs on a daily basis. Other benefits that come with the card include dining offers, waivers of fuel surcharges, and occasional promotional discounts that raise its overall value.
9. HDFC Bank Business MoneyBack Credit Card
The HDFC Bank Business MoneyBack Credit Card is the best option for companies looking to reduce their operational costs due to its helpful benefits and bonuses. To lower company costs, the card offers cashback on all transactions in the form of points for reward, along with faster rewards for online spending. These points are used to exchange for gift cards or statement credits. This card's main objective is to give businesses the most opportunity to save money on everyday costs like travel, office supplies, and energy bills by offering cashback.
10. HDFC Bank Tata Neu Plus Credit Card?
NeuCoins are the reward currency for purchases made with the HDFC Bank Tata Neu Plus Credit Card and other Tata brands. It offers quicker rewards for transactions made on Tata platforms, which can be exchanged for a range of goods and services from throughout the Tata network. The Tata Neu Plus is most appropriate for people who desire to save money and gain useful advantages from their spending, mainly within the Tata ecosystem. Benefits like eating discounts and exclusive deals on Tata products are usually included with this card.
HDFC Credit Card Features & Benefits
The HDFC credit cards with lounge access features are designed for travellers who appreciate ease of use and effective spending management. Here are the main characteristics and benefits:?
1. Convenience: HDFC credit cards such as Diners Club, Regalia, and Tata Neu Infinity provide free access to both domestic and foreign airport lounges, letting cardholders relax, recharge, and work in a comfortable setting while waiting for flights.?
2. Upgraded Travel Style: These credit cards are intended to improve the travel experience by offering premium travel benefits like early check-in, free meals, and access to worldwide lounge networks.?
3. Price Tracker and Management Features: HDFC credit cards include extensive cost tracking and management skills that allow users to track their spending in sectors like travel, dining, and retail. These tools help travellers manage their budgets, spending, and planning trips efficiently.
4. Recurring payments: Credit cards are fantastic for one-time payments, but you can also set them up for scheduled monthly instalments like your phone, energy, or gas bill. There will no longer be a danger of skipping to pay bills on time and being fined or disconnected.
How To Earn & Redeem HDFC Credit Card Reward Points?
These rewards are then redeemable for a range of rewards, including tickets, hotel stays, and statement credits. Some cards also offer extra points for milestone purchases or special types, making it simple to earn points while experiencing lounge access as well as premium travel perks.?
Once you earn positive Reward Points, you must collect them. Typically, Reward Points are simple to redeem. They can be claimed online using an easy process. If you wish to redeem your points with HDFC Bank, follow these steps:?
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HDFC Credit Card Eligibility Criteria
To be qualified for an HDFC Credit Card, candidates must satisfy specific criteria imposed by the bank, which usually involve the following:?
1. Age Requirement:?
2. Employment Status:?
3. Income Criteria:?
Documents Required
1. Identity Proof:
2. Income proof (For salaried):
3. Income proof (For self-employed):
HDFC Credit Card Annual Fees & Charges
While some fees and charges can be consistent across all HDFC credit cards, others can vary from one to the next:
1. Annual Charges: The annual? charge for HDFC credit cards varies by card. The charge is cheaper for entry-level cards but higher for premium cards.?
2. Late Fees: When you fail to pay on your HDFC credit card, you require late payment charges.?
3. Overlimit Fee: The overlimit cost on HDFC cards is 2.5% of the overlimit amount, with a minimum of Rs. 550.
4. Interest Rates: HDFC credit cards have annual interest rates that range from 23.88% to 43.2%. It applies to your credit card purchases if you carry over any outstanding amount.?
Other Charges & Fees
How To Activate HDFC Credit Cards?
To activate your HDFC credit card,? use it for online as well as offline transactions. In the case of an online transaction, you have to enter the card information, such as the number and expiration date, into the payment gateway.? Most used methods of activation are mentioned below:
1. Via MyCards:?
Enable your online, contactless, and international transactions:-
2. Via Net Banking:
HDFC Credit Cards Login/Net Banking
Every HDFC Bank client is immediately set up to use the Net Banking service. Check the below-mentioned details to understand the process:?
1. Via Online Registration:?
To open an HDFC credit card net banking account online, follow the procedures listed below.?
2. Via ATM:
To register or open an HDFC credit card net banking account via ATM, follow the steps outlined below:
How To Compare HDFC Credit Cards & Choose The Best One?
The following advice will help you choose the best HDFC credit card:?
1. Recognise Your Needs: Begin by analysing your financial needs and spending habits. Take into account whether you use the card mainly for general expenses, dining, travel, shopping, or gas. If you travel frequently, a credit card that offers access to airport lounges and travel insurance will be beneficial to you.?
2. Welcome Benefits: The majority of HDFC credit cards come with benefits at signup, such as freebies, additional reward points, or waived annual fees. Examine the welcome bonuses offered by several cards to determine which one is most valuable. Some welcome bonuses include reward points that can be used for travel, lodging, or retail certificates.?
3. Reward Structure: Evaluate the points awarded to every spending category and the way in which points are collected. Certain cards offer faster rewards in certain areas, such as dining, travelling grocery, or gas.?
Conclusion
With free entry to a number of domestic and international airport lounges, HDFC credit cards offer great lounge access rights that improve travellers' ease and comfort. Cards such as the HDFC Regalia, Diners Club, and Tata Neu Infinity are particularly ideal for regular travellers who are looking for outstanding experiences. As such, they are the perfect options for individuals who want to save money while flying in style.
FAQs
Q1. How can I get my net banking credit card account back online??
Ans: Once the verification process is finished, all you need to do is apply for a new IPIN to get your credit card net banking account back online.?
Q2. Are lounge passes included with HDFC credit cards??
Ans: Yes, lounge access is a benefit of HDFC credit cards. For example, you can visit over 1,000 airport lounges worldwide using the HDFC Infinia Credit Card.?
Q3. What is the annual credit card charge for HDFC??
Ans: Your HDFC credit card's annual fee can differ from one card to the next. The cost can be as little as Rs. 500 or as much as Rs. 12,500 and more.