🟢 1. HDFC Millennia Credit Card
Best for: Online shopping (Amazon, Flipkart), wallets, popular apps
- Cashback: 5% on Amazon, Flipkart, Swiggy, Zomato, Myntra
- Annual Fee: ₹1,000 (waived on ₹1L spend)
- Reward Type: Cashback (as statement credit)
- Other: Contactless card, EMI options
✅ Recommended if you shop online a lot.
🟢 2. HDFC MoneyBack Credit Card
Best for: Beginners with basic spending
- Reward Points: 2 RP per ₹150 spent
- Annual Fee: ₹500 (waived on ₹50k spend)
- Redemption: Vouchers (not direct cashback)
❌ Less value compared to Millennia
⚠️ Better for low spenders or students.
🟡 3. HDFC IOCL Credit Card
Best for: Fuel savings (Indian Oil petrol pumps)
- Fuel Points: 5% value back (fuel surcharge waived)
- Annual Fee: ₹500 (waived on ₹50k spend)
- Other Benefits: Good for fuel usage only
✅ If you spend ₹2,000+ monthly on fuel.
🔵 4. HDFC Regalia Credit Card
Best for: Travel, premium lifestyle
- Reward Points: 4 RP per ₹150
- Lounge Access: 12 Domestic + 6 International / year
- Annual Fee: ₹2,500 (waived on ₹3L spend)
- Other: Travel insurance, hotel discounts
✅ Best if you travel often or spend ₹3L+ annually
❗ Premium card, needs high spend to make sense.
🔵 5. HDFC InterMiles Platinum Credit Card
Best for: Air travel with InterMiles (JetPrivilege)
- Earnings: InterMiles on spends
- Lounge Access: 4 Domestic/year
- Annual Fee: ₹1,000 (waived on ₹2.5L spend)
- Use case: Good only if you use InterMiles
⚠️ Jet Airways band ho chuki hai, so InterMiles utility limited hai.
🟢 6. HDFC Freedom Credit Card
Best for: Daily spends, low annual fee
- Reward Points: 5X on groceries, bill payments
- Annual Fee: ₹500 (waived on ₹50k spend)
- Milestone Bonus: ₹1,000 vouchers on ₹90k spend/year
✅ If you want basic rewards & low fees.
✈️ 7. HDFC 6E Rewards Credit Card
Best for: Indigo flyers (frequent domestic travel)
- 6E Rewards: 3-15% on Indigo, 2-3% on dining, groceries
- Annual Fee: ₹700 (waived on ₹50k spend)
- Other Benefits: 1 free flight change/year, lounge access
✅ Good if you fly Indigo 2-3 times a year.
✈️ 8. HDFC 6E Rewards XL Credit Card
Best for: Regular Indigo travelers
- 6E Rewards: Higher than regular 6E (5-15%)
- Annual Fee: ₹1,500 (waived on ₹1.5L spend)
- Other: 4 Lounge Access/year, Priority Check-in
✅ Very good for frequent Indigo users
✅ Comparison Table:
| Card | Best For | Fee (₹) | Lounge | Cashback/Rewards |
|---|---|---|---|---|
| Millennia | Online shopping | 1,000 | ❌ | 5% cashback on select apps |
| MoneyBack | Beginners | 500 | ❌ | Basic RP (low value) |
| IOCL | Fuel | 500 | ❌ | 5% on fuel |
| Regalia | Premium lifestyle | 2,500 | ✅✅ | 4 RP/₹150 |
| InterMiles Plat. | InterMiles (Jet) | 1,000 | ✅ | InterMiles (limited) |
| Freedom | Daily use (basic) | 500 | ❌ | 5X on groceries, bills |
| 6E Rewards | Indigo flyers (casual) | 700 | ✅ | 3-15% 6E rewards |
| 6E Rewards XL | Indigo frequent flyers | 1,500 | ✅✅ | Higher 6E rewards |
🔍 Best Card According to Use Case:
- Best Overall for Cashback & Online Spenders: 🏆 Millennia
- Best for Fuel: IOCL Card
- Best for Premium/Travel: Regalia
- Best Low-Fee Starter Card: Freedom
- Best for Indigo Flyers:
- Light Flyers: 6E Rewards
- Frequent Flyers: 6E Rewards XL
