Category Archives: HDFC Bank
Best Travel Credit Cards in India for 2020
After writing on Air Vistara credit cards last week, I thought of figuring out the best travel credit cards available in India. Simply because when we go on vacation or travel, the single largest expense is the flight cost.
While there are only 2 full-service domestic airlines in India that offer air-miles, the travel credit cards space has lot more choices thanks to few international airlines offering co-branded credit cards locally and few card issuers who allow conversion of reward points to air-miles of multiple airlines.
Of all the travel credit cards available in India, I have listed the best 5 cards below. For others, I have made a comparison table to indicate why they did not make the cut.
HDFC Diners Club credit cards – Review
It is a well-known fact that HDFC Diners Club offers the best rewards among all Indian credit cards. Their 10x program at present is unbeatable. Recently, HDFC launched a new credit card with Diners Club, the HDFC Diners Club Privilege. This card is a mix of Diners Club Black card and Diners Club Miles. Also, the bank has further enhanced the value proposition of its flagship, the HDFC Diners Club Black card.
Thus, this is an opportune time to compare all the Diners Club cards available here in India to see how they fare with each other.
Best super premium credit cards in India
Banks offer a bouquet of credit cards suitable for a wide range of audiences, from entry level cards to super premium credit cards. Well, I did write about a few entry-level credit cards here, it’s now turn to look at the other extreme, the best super premium credit cards available in India.
Banks look to make their super premium credit cards an object of desire or a status symbol and as exclusive as possible. They start with making super premium credit cards available only to HNIs or select customers, high annual fee, high spending limit and exclusive or curated offers & experiences. Another common theme across all super premium credit cards is concierge service. While some concierge such as one from the Amex is way ahead of others, but nonetheless all banks will offer one.
Below is the list of top super premium credit cards available in India. I have ranked the credit cards based on reward points accrual based on a set template of annual spend. The template is spread over various categories, details in footnote.
Axis Flipkart – ICICI Amazon – HDFC Millennia cards comparison
With the launch of HDFC Millennia credit cards, all the top banks have launched cards targeting youth aka millennials. The target segment here is the customer base who tends to shop a lot more online on website such as Flipkart, Amazon, MMT, GoIbibo etc. Thus, this makes it an apt time to compare the three cards i.e. Axis Flipkart, ICICI Amazon and HDFC Millennia card.
Comparison of Axis Flipkart, ICICI Amazon and HDFC Millennia cards
Axis Flipkart – ICICI Amazon – HDFC Millennia cards Comparison
So which card is the best?
HDFC Millennia Credit Card: Review
HDFC Bank recently launched Millennia credit card targeting millennials of the country, however, the card is available to every Indian above the age of 21 max up to 60years. ? 
Millennia card’s launch is an attempt to kill two birds with one stone
- Take on ICICI Amazon and Axis Flipkart cards which were launched recently also targeting millennials who prefer to spend online. While ICICI and Axis cards offer higher rewards points on one of the two major portals, HDFC is giving 5% reward points on both of them. To read the comparison of these 3 cards click here
- This card fits well into the HDFC’s aspiration of doubling its credit card base to 25mn users from currently ~12.5mn.
