HDFC BANK CREDIT CARDS

Features, Benefits & Application Process

VALID FROM: AUGUST 2023

TOP SELLING TOP SELLING TOP SELLING TOP SELLING

TATA Neu Plus Swiggy MoneyBack Plus IndianOil

Card Category Entry Level Entry Level Entry Level Entry Level
Card
Type

Benefits Cashback Cashback Rewards Cashback, Rewards

Age 21 to 60 years
Sourcing
Criteria

Employment Type Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed

Min Monthly Income (†) 20K / 6 Lacs ITR p.a. 25K / 6 Lacs ITR p.a. 20K / 6 Lacs ITR p.a. 20K / 6 Lacs ITR p.a.

First Year Fee (†) 499 500 500 500

Fees

Renewal Fee (†) 499 500 500 500

Renewal Fee Waiver On annual spends of ›1 L On annual spends of ›2 L On annual spends of ›50K On annual spends of ›50K

Airport Lounge Access 4 Complimentary Domestic - - -

Complimentary

Lounge Access per

Memberships

calendar year (1/ quarter)

Hotels & Restaurants - - Up to 15% discount on -

partner restaurants via
Dineout

Welcome Benefits - Swiggy one Membership for 500 cashpoints on payment -

3 months on card activation of Renewal fee

Usage Benefits 2% back as NeuCoins on 1% Cashback on other • 2 CashPoints on all other • 5% of spends as FP on
Non-EMI Spends on partner categories.* spends (Excluding fuel, shopping for groceries,
Tata Brands Wallets loads/Gift or Prepaid utilities & bill payment (Max.
Card Loads/Vouchers ) 100 FP per month)
• 5X CashPoints on EMI • 1 FP for every ›150 spent
3 0/ 0 8 -2 02 3 - F& B -C C-P N P - H D FC- BA N K-1

spends at merchant on other purchases

locations up to 2500/mo.

Online Spends - • 10% Cashback on Swiggy 10X CashPoints on your -

application (Food ordering, favourite merchants
Instamart, Dineout & Genie). (BigBasket, BookMyShow,
• 5% Cashback on online OYO, Swiggy & Uber) up to
spends across online 2500 cashpoint per month
Rewards & Cashbacks

merchants
VE R

Milestone Bonus - - ›500 GV for ›50K spends -

in a calendar quarter

Extra Category Benefits • 1% Back as NeuCoins - - -

on UPI spends via RuPay
Credit card* - max 500
NeuCoins /calendar month
• 5% back as NeuCoins on
Tata Neu App/Website, Tata
Neu App and registering for
Tata NeuPass.

Fuel 1% Fuel surcharge waiver - 1% Fuel surcharge waiver • 5% of spends as Fuel

up to ›250 per statement up to ›250 per billing cycle Points at Indian Oil outlets
cycle (Transaction between ›400 (Max 250 FP/month for 6
to ›5000) months & Max 150 FP/ Month
post 6 month)
• 1 % Fuel Surcharge waiver
up to ›250 per billing cycle

Copyright © 2023. Credilio Financial Technologies Pvt Ltd. This document is prepared for the consumption of ‘Distribution Partners and their authorized Representatives’ of Credilio Financial Technologies Pvt Ltd.
Credilio is an authorised distributor of HDFC Bank Credit Cards. Contents mentioned here is based on the publicly available information as on Aug 2023 and subject to vary from time to time. Credilio Team has
compiled select information to be used only as a reference. Users are requested to verify details and apply discretion before taking any decision basis the contents shown here.
 HDFC BANK CREDIT CARDS
Features, Benefits & Application Process
VALID FROM: AUGUST 2023

TOP SELLING

Millennia Freedom Shoppers Stop Business Moneyback

Card Category Premium Entry Level Entry Level Entry Level

Card
Type

Benefits Cashback, Rewards Rewards Shopping Cashback, Rewards

Age 21 to 60 years
Sourcing
Criteria

Employment Type Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed Self Employed

Min Monthly Income () 35K / 6 Lacs ITR p.a. 20K / 6 Lacs ITR p.a. 20K / 6 Lacs ITR p.a. 6 Lacs ITR p.a.

First Year Fee () 1,000 500 Lifetime Free 500

Fees

Renewal Fee () 1,000 500 Lifetime Free 500

Renewal Fee Waiver On annual spends of ”1L On annual spends of ”50K - On annual spends of ”50K
Airport Lounge Access 8 Domestic visits / yr - - -
Complimentary
Memberships
30/08- 2 02 3- F& B- CC- P N P - H D FC- BA N K- 2

Hotels & Restaurants Up to 20% discount on Up to 15% discount on - Up to 20% savings on

partner restaurants via partner restaurants via dining bills via Swiggy-
Dineout Dineout Dineout Pay (Max discount of
₹300/card/mo)

Welcome Benefits 1000 cashpoints on 500 cashpoints on SS voucher worth ”500 (on -
payment of Joining fee payment of annual fee min. shopping of ₹3,000 on
Private Label brands)

Usage Benefits - 1 CashPoints per ”150 • 6 FC Points on ”150 • 5% Cashback on business

spent on all other spends spent on Private Label at essentials. Min. spends
V ER

(Excluding fuel, Wallets loads Shoppers Stop, (capped at of ”10K on Telecom,

/ Gift or Prepaid Card Loads / 500 FC Points/ month) Electricity, Government Tax,
Vouchers )
• 2 FC Points on all Shop- Railway, Hotels & Dining
pers Stop brands & other and Taxi (capped at ₹250/mo.
category (except fuel & wallet) Applicable only for 1st year)
• FC Points for every ”150 • 2 RP/”150 on Retail
spent on retail transactions spends (except petrol, wallet,
EMI, rent and education)

Online Spends 5% CashBack, Up to 1,000 10X CashPoints on Swiggy, - • 4 RPs on e-commerce

CashPoints/month on 10 BMS, Bigbasket, Uber (up to spends
online merchants (Amazon, 2500 cashpoints / mo) • Up to 10% CB on travel &
Rewards & Cashbacks

BMS, Cult.fit, Flipkart, Myntra, shopping via Smartbuy

SonyLIV, Swiggy, Tata CLiQ,
Uber & Zomato)

Milestone Bonus ”1000 GV for ”1L spent in - 2000 First Citizen Points on 2500 RPs on annual
a calendar quarter spending ”2 Lacs annually spends of ”1.8 L

Extra Category Benefits 1% cashback (except fuel) • 5X CashPoints on EMI • PayZapp Offer on select • Double CB on Business
up to ”1,000 /mo at all spends at merchant merchants like Swiggy, essentials for current
other stores including EMI & locations up to 2500/ mo Zomato, Grofers, Bigbasket, account holder min. spends
wallet transactions • 0.99% interest rate for Dominos etc of ”10K/mo. (capped at
first 90 days on Non EMI • SmartBuy Offer on Travel, ₹500/mo. in the 1st yr & ₹250/
Spends (Not applicable on Hotels, Shopping. mo. in 2nd yr onwards)
Instaloans, InstaJumbo loans, • HDFC Bank POS Rental
SmartEMI, EasyEMI, Balance reversal up to ”1000 (₹30K
transfer or cashtransfer) on card, ₹25K POS volume)

Fuel Surcharge Waiver of 1%, on Surcharge Waiver of 1%, Surcharge Waiver of 1% 5X RPs on fuel (Max 100
spends of ”400 to ”5000. on TXN of ”400 to ”5000. (max wavier ₹250/stmt cycle) points in a month. Only in 1st
(max wavier ₹250/stmt cycle) (max wavier ₹250/stmt cycle) year)

Redemption Value - - 1 FC point= ”0.6 -

Copyright © 2023. Credilio Financial Technologies Pvt Ltd. This document is prepared for the consumption of ‘Distribution Partners and their authorized Representatives’ of Credilio Financial Technologies Pvt Ltd.
Credilio is an authorised distributor of HDFC Bank Credit Cards. Contents mentioned here is based on the publicly available information as on Aug 2023 and subject to vary from time to time. Credilio Team has
compiled select information to be used only as a reference. Users are requested to verify details and apply discretion before taking any decision basis the contents shown here.
 HDFC BANK CREDIT CARDS
Features, Benefits & Application Process
VALID FROM: AUGUST 2023

IRCTC Tata Neu Infinity Diners Club Privilege 6E Rewards XL Indigo

Card Category Entry Level Premium Premium Super Premium

Card
Type

Benefits Rewards Cashback Rewards Cashback, Rewards

Age 21 to 60 years
Sourcing
Criteria

Employment Type Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed

Min Monthly Income (­) 25K / 6 Lacs ITR p.a. 70K / 8.4 Lacs ITR p.a. 70K / 8.4 Lacs ITR p.a. 70K / 8.4 Lacs ITR p.a.

First Year Fee (­) 500 1,499 2,500 1,500

Fees

Renewal Fee (­) 500 1,499 2,500 1,500

Renewal Fee Waiver On annual spends of ˜1.5 L On annual spends of ˜3 L On annual spends of ˜3 L -
Airport Lounge Access - • 8 Domestic - 2/quarter 2 lounge access for primary 8 Domestic visits / yr (max
Complimentary Mem-

• 4 International -1/Quarter and add-on members. 2 quarter)

30/08- 2 02 3- F& B- CC- P N P - H D FC- BA N K- 3

(across world/calendar quarter)

berships

Railway Lounge Access 8 access to selected IRCTC - - -

Executive Lounge (2/quarter)

Golf - - Golf games across the world -

(2 per quarter)

Welcome Benefits Gift voucher worth ˜500 - Swiggy One & Times Prime 1 Comp 6E Prime Add-On
on card activation in 1st 37 annual membership on (Voucher for choice of seat,
days spends of ˜75K in 90 days Comp. meal, Priority checkin,
Quicker backage)*
V ER

Usage Benefits • 1 RP for every ˜100 spent 1.5% back as NeuCoins on • 4 RPs per ˜150 spent • 3% 6E Rewards per ˜100
on all other spends Non-Tata Brand Spends, • 1RP=˜0.5 for dining on spends on Grocery,
• 5% cashback on train any Merchant EMI Spends* vouchers from Domino’s, Dining & Entertainment
ticket bookings via HDFC & UPI spends via RuPay PizzaHut, Starbucks and • 2% 6E Rewards per ˜100
Bank SmartBuy Credit card** more on other spends
*(excl. Fuel, Government, (excl. Fuel, wallet re-loads)
Rental, Wallet TXN, Smart EMI)
**(max of 500 NeuCoins/mo.)

Online Spends • 5 RPs on ˜100 spent* - • Up to 10X RPs via smart- 5% 6E Rewards per ˜100
• 1% TXN charges waiver* buy & 2X on weekend dining on spends done on IndiGo
*(Done on IRCTC ticketing • 1 out of Tata CliQ/BMS/Ola Website & App
website & Rail Connect App. vouchers worth ˜500 on
Rewards & Cashbacks

Max. ₹1000/mo)
spending ˜40K/mo.

Milestone Bonus Gift voucher worth ˜500 on - Quarterly Benefits: ˜1500 1 Complimentary IndiGo air
quarterly spends of ˜30K GV* upon spends of ˜1.5L ticket of ˜3,000 on min. 3
*(any one of: Decathlon/BBQ txns in first 3 months*
Nation/Marriott/O2 Spa/Lakme
Salon)

Extra Category Benefits - 5% back as NeuCoins on • Complimentary -

selected categories on Tata memberships (Annual:
Neu App/Website, Tata Neu Amazon Prime, MMTBLACK,
App, registering for Tata Dineout passport and Times
Prime Smart; 1 Month: cult.fit)
NeuPass & on Non-EMI
• Lowest foreign currency
Spends on partner Tata
mark up fee of 2% on
Brands
international spends

Fuel Surcharge Waiver of 1% on 1% Fuel Surcharge waiver - -

TXN of ˜400 to ˜5,000 (max wavier ₹500/stmt cycle)
(max wavier ₹250/stmt cycle)

Copyright © 2023. Credilio Financial Technologies Pvt Ltd. This document is prepared for the consumption of ‘Distribution Partners and their authorized Representatives’ of Credilio Financial Technologies Pvt Ltd.
Credilio is an authorised distributor of HDFC Bank Credit Cards. Contents mentioned here is based on the publicly available information as on Aug 2023 and subject to vary from time to time. Credilio Team has
compiled select information to be used only as a reference. Users are requested to verify details and apply discretion before taking any decision basis the contents shown here.
 HDFC BANK CREDIT CARDS
Features, Benefits & Application Process
VALID FROM: AUGUST 2023

Regalia Gold Business Regalia CSC Small Business MoneyBack

Card Category Premium Super Premium Entry Level

Card
Type

Benefits Rewards Memberships, Rewards Rewards

Age 21 to 60 years
Sourcing
Criteria

Employment Type Salaried / Self Employed Self Employed Self Employed

Min Monthly Income () 1 Lac / 12 Lacs ITR p.a. 8.4 Lacs ITR p.a. 6 Lacs ITR p.a.

First Year Fee () 2,500 2,500 250

Fees

Renewal Fee () 2,500 2,500 250

Renewal Fee Waiver On annual spends of –4 Lacs On annual spends of –3 Lacs On annual spends of –25K
Airport Lounge Access • Lounge access at over 1000 airports • 12 Select Domestic lounge visits/yr -
• 12 Domestic visits (Max 3 visit quarter)
30/08- 2 02 3- F& B- CC- P N P - H D FC- BA N K- 4

• 6 international lounge visits using

Complimentary

• 6 International lounge accessin a

Memberships

year via Priority Pass priority pass (on completion of min. 4

retail transactions)

Hotels & Restaurants - Up to 20% savings on dining bills via Up to 20% savings on dining bills via
Swiggy-Dineout Pay (Max discount of Swiggy-Dineout Pay (Max discount of
₹300/card/mo) ₹300/card/mo)

Welcome Benefits Complimentary Club Vistara Silver –250 gift voucher on making 1 –250 gift voucher on 1st transaction
Tier and MMT Black Elite membership transaction within 30 days in 30 days of issuance
V ER

Usage Benefits • 5X Reward Points on spends at • 4 RP/–150 for all Retail Spends (excl. • 5% cashback on business essentials
Marks & Spencer, Myntra, Nykaa & Petrol, wallet, EMI, Rent and Education) like Utility, Telecom, Govt and tax. on
Reliance Digital. • 2 RP/–150 for all other retail spends monthly spends of –10K, Capped at
• 4 Reward Points on –150 retail (except Fuel, Wallet, EMI) –250 per month - Applicable only
spends. • 5% cashback* on Business 1st year
• Up to 10X Reward points on MMT, essentials - Min. spends –20K on • 2 RP /–150 for all other Retail
Flight & staying spends via Smartbuy Utility, Telecom, Govt and Taxes spends (except petrol, wallet, EMI, rent &
(₹500 per mo. Applicable only 1st year )
education)
• Double cashback on Business
essentials for current account holders
(₹1000/mo. in 1st yr & ₹500/mo. 2nd year
onwards; min. monthly spends of ₹20K)
Rewards & Cashbacks

• 1RP= –0.5 on Flight & Hotel booking

Online Spends - 4 RP/–150 for all E-com spends • 4 RP/–150 for E-com spends.
• Up to 10% CB on travel & shopping
spends via Smartbuy

Milestone Bonus - • 10K RPs on –5L anniversary spends 1000 bonus reward points on annual
• 5000 RPs on –8L anniversary spends of –90K
spends

Extra Category Benefits Lowest foreign currency mark up fee HDFC Bank POS Rental reversal up to -
of 2% –1000 (₹30K on card ₹25K POS volume)

Fuel - Surcharge Waiver of 1% on TXN of Surcharge Waiver of 1% on TXN of

–400 to –5,000 (max wavier ₹500/ –400 to –5,000 (max wavier ₹500/
stmt cycle) stmt cycle)

Copyright © 2023. Credilio Financial Technologies Pvt Ltd. This document is prepared for the consumption of ‘Distribution Partners and their authorized Representatives’ of Credilio Financial Technologies Pvt Ltd.
Credilio is an authorised distributor of HDFC Bank Credit Cards. Contents mentioned here is based on the publicly available information as on Aug 2023 and subject to vary from time to time. Credilio Team has
compiled select information to be used only as a reference. Users are requested to verify details and apply discretion before taking any decision basis the contents shown here.
 HDFC BANK CREDIT CARDS
Features, Benefits & Application Process
VALID FROM: AUGUST 2023

Diners Club Black ShopperStop Black 6E rewards Indigo

Card Category Super Premium Super Premium Entry Level

Card
Type

Benefits Rewards Shopping Cashback, Rewards

Age 21 to 60 years
Sourcing
Criteria

Employment Type Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed

Min Monthly Income () 1.7 Lacs / 21 Lacs ITR p.a. 70K / 8.4 Lacs ITR p.a. 20K / 6 Lacs ITR p.a.

First Year Fee () 10,000 4,500 500

Fees

Renewal Fee () 10,000 4,500 500

Renewal Fee Waiver On annual spends of —5 Lacs - -
Airport Lounge Access Unlimited Airport lounge access for 4 per Qtr - domestic -
Complimentary
Memberships

primary and add-on card members 2 per Qtr - International

30/08- 2 02 3- F& B- CC- P N P - H D FC- BA N K- 5

Golf Golf games across the finest courses - -

in the world (6 per quarter)

Welcome Benefits - Shoppers Stop vouchers worth 1 Complimentary 6E Prime Add-On

—1,500, on min. shopping of —5,000 (voucher for choice of seat+meal com-
on Private Label brands bo+priority check-in+ quicker baggage)*

Usage Benefits 5 Reward Points (RP) per —150 spent • 20 FC Points on —150 spent on • 2% 6E Rewards per —100 on spends
V ER

Private Label at Shoppers Stop, on Grocery, Dining & Entertainment

(capped at 2000 FC Points/mo.) • 1% 6E Rewards per —100 on other
• 15 FC Points on —150 spent on spends (excl. Fuel, wallet re-loads)
brands of SS including Premium
Brands, (capped at 2000 FC Points/mo.)
• 5 FC Points for every —150 on other
spends, no capping

Online Spends • 2 out of Tata CliQ, BMS, Olacabs - 2.5% 6E Rewards per —100 on
voucher of —500 on spending spends on IndiGo website & app
—80K/mo.
Rewards & Cashbacks

• Up to 10X RP on SmartBuy & 2X RP

on weekend dining

Extra Category Benefits • Complimentary memberships • Complimentary Shoppers Stop One Complimentary IndiGo air ticket
(Annual: Club Marriott, Forbes, Amazon Black membership worth —1,500 on making minimum 3
Prime, MMTBLACK, Dineout passport and • Accidental air death cover : —3 Cr TXNs in first 3 months post card set
Times Prime Smart; 3 Months: Swiggy
One; 1 Month: cult.fit) • Emergency overseas hospitalization up*
• Lowest foreign currency mark up fee of up to —50 Lacs
of 2% on international spends • Credit liability cover of up to —9 Lacs

Fuel - 1% fuel surcharge waiver of up to -

—500 per statement cycle across all
fuel stations in India

Redemption Value Redeem each RP for —1 on dedicated - -

travel portal using catalog (RP = —0.5)
& airmiles partner (1RP = 1 Mile)

Copyright © 2023. Credilio Financial Technologies Pvt Ltd. This document is prepared for the consumption of ‘Distribution Partners and their authorized Representatives’ of Credilio Financial Technologies Pvt Ltd.
Credilio is an authorised distributor of HDFC Bank Credit Cards. Contents mentioned here is based on the publicly available information as on Aug 2023 and subject to vary from time to time. Credilio Team has
compiled select information to be used only as a reference. Users are requested to verify details and apply discretion before taking any decision basis the contents shown here.