Hot Deal HDFC CREDIT CARD SUGGESTIONS NEEDED

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i m planning to take one hdfc card , but can’t decide which one to take.

my requirements

* can afford joining fees upto 1000 for first year, it will become LTF anyways after fee transaction

* i will buy 2-3k Amazon gv per month

* 2k other expenses on recharge,dth

fuel surcharge waiver doesn’t matter i don’t use cc on petrol pump

don’t book hotels or flight ticket so this is important factor while redeeming points

hdfc cards have limited Cashback per month also in various Spends


so what variant will be most rewarding for me

i have looked up dinner rewardz, regalia first, freedom, Bharat, millennia

can’t decide kindly help

85 Comments  |  
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Deal Cadet
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you can buy Amazon GV on HDFC smartbuy website with RP as per your CC.

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ZitOO wrote:

you can buy Amazon GV on HDFC smartbuy website with RP as per your CC.

Jane kaha gaye vo din… sob sob(amazon gv on smartbuy are always oos)

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Deal Subedar
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Diner and regalia RP cannot be redeemed for cash.
I dont have any idea about freedom.
Bharat’s RP can be redeemed for cash but i think the redemption can be done after earning 3000 RP which would be really hard considering your spends.
Millennia has good cb rates but you need to do minimum ₹2k txn to get any cb.
With spending of just 5k per month i don’t think there is any good option available for you in hdfc especially from the rewards point of view.
I think icici apay card would be much better choice for your needs.

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Deal Cadet
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Diners RP can be redeemed for Cash 50% value

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tank_u_m8 wrote:

Jane kaha gaye vo din… sob sob(amazon gv on smartbuy are always oos)

then buy some other voucher to trade for Amazon , One thing is best about it is T+3/4 date of RP credited always

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Deal Subedar
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ZitOO wrote:

then buy some other voucher to trade for Amazon , One thing is best about it is T+3/4 date of RP credited always

What is T +3/4 ??

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tank_u_m8 wrote:

What is T +3/4 ??

on 3rd or 4th day from the day of transaction , no need to wait for 90 days.

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ZitOO wrote:

on 3rd or 4th day from the day of transaction , no need to wait for 90 days.

Yes, but which gv is worth it.
P.s. i don’t have dcb or infinia so i don’t get 33.33% cb, keep that in mind.

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Just for 5k monthly expense, better to get any entry level credit card from HDFC. Millennia should suit you.

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Deal Lieutenant
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Which card is offered or ur eligible for?

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How much rewards a regalia card give if I purchase 1000 Amazon gv?

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suman1520 wrote:

How much rewards a regalia card give if I purchase 1000 Amazon gv?

Regalia’s default reward rate is 1.3% which you can use for buying flights and hotels on SmartBuy. If you want to redeem rewards for cash, the rate reduces to 0.65%. However the best way to use HDFC Regalia on Amazon and Flipkart is Smartbuy 10X offer where reward rate goes as high as 13%.

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caks2006407 wrote:

Which card is offered or ur eligible for?

all mentioned in original post

diner rewardz, regalia first, freedom, Bharat, millennia

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rogerthat wrote:

all mentioned in original post

diner rewardz, regalia first, freedom, Bharat, millennia

Regalia first equivalent diners clubmiles’d suit u better.
Though i agree with user above for above spending type sbi simplyclick or icici amazon card is ur best bet.

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8 Complimentary lounge access within India using Visa / MasterCard Regalia First card means can we use 8 continuously or any monthly limit on regalia first

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rogerthat wrote:

all mentioned in original post

diner rewardz, regalia first, freedom, Bharat, millennia

Then you should take Diners card which may get upgraded to Diners Black/Infinia in future.

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prabha.avum wrote:

8 Complimentary lounge access within India using Visa / MasterCard Regalia First card means can we use 8 continuously or any monthly limit on regalia first

2 per quarter only

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I was also offered hdfc Regalia first & Millinnia card. May be Diners also…

Now confused which one to choose from. Already have amex mrcc, yes prosperity edge.

Somehow i m not getting icici amazonpay due to technical problem.
Was thinking about flipkart axis & now any of above hdfc card…

This 10 times RP offer is always there or some time only? With Regalia first, diners rewards, cm redeemption rate is how much? Apart from hotels, flights, what can we redeem for?

& importantly do they give RP/CB for NPS load? @rogerthat

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Deal Subedar
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Hdfc guy telling me that I need to do 4 transaction per month worth 500rs. For first 3 months to get LTF card. Is it true? Do they give it in writing? Looks weird…

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drjpatwa wrote:

Hdfc guy telling me that I need to do 4 transaction per month worth 500rs. For first 3 months to get LTF card. Is it true? Do they give it in writing? Looks weird…

If you register for smartpay your card will be LTF, its what they told me.

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drjpatwa wrote:

I was also offered hdfc Regalia first & Millinnia card. May be Diners also…

Now confused which one to choose from. Already have amex mrcc, yes prosperity edge.

Somehow i m not getting icici amazonpay due to technical problem.
Was thinking about flipkart axis & now any of above hdfc card…

This 10 times RP offer is always there or some time only? With Regalia first, diners rewards, cm redeemption rate is how much? Apart from hotels, flights, what can we redeem for?

& importantly do they give RP/CB for NPS load? @rogerthat

with regalia and regalia first there is spearate reward catalog Google it.


these are all high end cards only suitable for those who Spend a lakh a month.


i will take bharat card as this is free
and no compulsion whatsoever.

i need this just to avail 10% instant discount offers


but again card will become LTF

so can’t decide variant even now

a one time of 1k or 2.5k will be there and LTF there after

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drjpatwa wrote:

Hdfc guy telling me that I need to do 4 transaction per month worth 500rs. For first 3 months to get LTF card. Is it true? Do they give it in writing? Looks weird…

yes, hdfc guy told me same

now they have removed smart pay or Auto bill pay which was to setup LTF.

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digitalworld wrote:

If you register for smartpay your card will be LTF, its what they told me.

Smartpay has been stopped  for LTF purpose

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rogerthat wrote:

Smartpay has been stopped  for LTF purpose

So, 4 transactions more than 500 for 3 months will give us LTF card?

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digitalworld wrote:

If you register for smartpay your card will be LTF, its what they told me.

Are you sure?
All cards or some cards?

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DealBroker23 wrote:

Are you sure?
All cards or some cards?

My card is offered such which I applied last week. Received it today.

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