HDFC is the biggest Credit Cards issuer in India. HDFC started the wave of credit cards. There is a number of credit cards from HDFC that is audience favourites. In this Guide, we will cover those HDFC Bank Credit Cards that have the functionality of transfer of points. So, you might not see some popular credit cards.
List of HDFC Bank Credit Cards That Allow Points Transfer
Not all HDFC credit card points can be transferred. Only a handful of premium cards have the functionality of point transfer.
List of Credit Cards from which you can transfer points:
- Infinia
- Diners Black
- Regalia
- Diners ClubMiles
- Diners Privilege
Although there are other cards that allow the transfer of points, it doesn’t make sense to transfer points from those cards.
Related: How to transfer HDFC Points to transfer partners [Airlines & Hotels]?
Fees and Welcome Benefit
HDFC Bank has been generous in issuing First year free or Lifetime free credit cards. These days though, credit cards come with an annual benefit. In the case of chargeable cards, you will also get welcome benefits.
Credit Cards | First Year Free | Annual Fees | Welcome Benefits |
Infinia | Yes | INR 12500* | Club Marriott membership; and 12,500 Reward Points |
Diners Black | No | INR 10000 | Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK and Times Prime Membership |
Diners ClubMiles | NA | INR 1000 | No Fresh Issue |
Diners Privilege | No | INR 2500 | Amazon Prime, MMT BLACK, Times Prime and Swiggy One Membership |
Regalia | Yes | INR 2500 | 2500 Reward Points |
In the case of an old Infinia card, the annual fee is INR 10000.
How to get an Annual fee waiver on HDFC Cards?
The only way to get your annual fee waiver on your HDFC Card is by reaching spending. Here is the card-wise spending needed for a fee waiver:
Credit Cards | Fee Waived on |
Infinia | Spend INR 10 Lacs* |
Diners Black | Spend INR 5 Lacs |
Regalia | Spend INR 3 Lacs |
Diners Privilege | Spend INR 3 Lacs |
Diners ClubMile | Spend INR 1 Lac |
In the case of an old Infinia card fee waiver is given on spending INR 8 lacs.
Base Points Earning on HDFC Credit Cards
HDFC Bank credit points on base spending of INR 150 and base points vary on the card. Here are the base points earned on HDFC Bank Credit Cards:
Credit Cards | Points Earned | Amount Spent |
Infinia | 5 | INR 150 |
Diners Black | 5 | INR 150 |
ClubMiles | 4 | INR 150 |
Diners Privilege | 4 | INR 150 |
Regalia | 4 | INR 150 |
Bonus Points Earning on HDFC Credit Cards
Apart from base points, you can earn bonus points on HDFC Cards, but they are still not as good as Amex. Here are the card-wise bonus points opportunities:
Credit Cards | Bonus Points |
Diners Black | 2x on Weekends Dining |
Infinia | NA |
Diners ClubMiles | NA |
Diners Privilege | 2x on Weekends Dining |
HDFC Bank Regalia | 10000 Bonus Points on Spending INR 5 Lacs; and 5000 Bonus Points on Spending INR 8 Lacs |
HDFC Smartbuy: Dark Horse
HDFC Smartbuy is a dark horse with one of the best points-earning opportunities. The points earned are based on the nature of spending.
Spend and Bonus Points on Smartbuy
You earn “x” points on different types of spending. Here are the spending-wise and card-wise X points you can earn on HDFC Smartbuy:
Category | Infinia | Diners Black | Regalia & Diners Privilege |
IGP.com | 10X | 10X | 10X |
Flights | 5X | 5X | 5X |
Hotels | 10X | 10X | 10X |
IRCTC | 3X | 3X | 3X |
RedBus | 5X | 5X | 5X |
Instant Voucher | 5X | 3X | 5X |
Apple Imagine | 5X | 3X | 5X |
Flipkart | 3X | 2X | 3X |
In the case of Diners Club Miles, you earn cashback on spending on Smartbuy.
Limit on Points Earning at Smartbuy
A daily and monthly limit is there on points that can be earned on smartbuy. This limit differ based on the HDFC Credit Cards. Here are the card-wise daily and monthly limits:
Credit Cards | Daily Limit | Monthly Limit |
Infinia | 7,500 | 15,000 |
Diners Black | 2,500 | 7,500 |
Regalia & Diners Privilege | 2,000 | 4,000 |
Club Miles | NA | Rs.1,000 |
Lounge Access on HDFC Credit Cards
A good advantage of HDFC Credit Cards is that you get decent lounge access. Here are the card-wise eligibility and visits limits:
Credit Cards | Lounge Access | Limits |
Infinia | Yes | Unlimited |
Diners Black | Yes | Unlimited |
Diners ClubMiles | Yes | 6/Yr |
Diners Privilege | Yes | 12/Yr |
Regalia | Yes | 12/Yr (India) and 6/Yr (Outside India) |
HDFC Points Transfer Partners
HDFC bank has three points transfer partners, which are:
HDFC Points Conversion in Airmile Ratio
HDFC Points conversion is similar to other popular points transfer programs in India. This is how many Airmiles you get for transferring your points:
Credit Cards | Intermiles | KrisFlyer | Club Vistara |
Diners Black | 100 RP=100 Intermiles | 100 RP=100 Krisflyer Miles | 100 RP=100 CV Points |
Infinia | 100 RP=100 Intermiles | 100 RP=100 Krisflyer Miles | 100 RP=100 CV Points |
Diners ClubMiles | 100 RP=100 Intermiles | 100 RP=100 Krisflyer Miles | 100 RP=100 CV Points |
Diners Privilege | 100 RP=50 Intermiles | 100 RP=50 Krisflyer Miles | 100 RP=50 CV Points |
Regalia | 100 RP=50 Intermiles | 100 RP=50 Krisflyer Miles | 100 RP=50 CV Points |
HDFC Infinia and, Diners Black, Club Miles have a conversion of 1, whereas others have a conversion of 0.5.
Related: Guide to HDFC Bank Points Transfer Partners
Value of HDFC Credit Cards Points
All HDFC Bank Credit Cards get decent value from HDFC Bank itself. This is how much a point has value:
Credit Cards | Smartbuy | Vouchers | Cash Back |
Diners Black | INR 1/RP | INR 0.5/RP | INR 0.3/RP |
Infinia | INR 1/RP | INR 0.5/RP | INR 0.3/RP |
Diners ClubMiles | INR 0.5/RP | INR 0.35/RP | INR 0.2/RP |
Diners Privilege | INR 0.5/RP | INR 0.35/RP | INR 0.2/RP |
Regalia | INR 0.5/RP | INR 0.35/RP | INR 0.2/RP |
Note: The value of one Airlmile can vary based on different factors.
Bottomline
HDFC Credit Cards are one of the best credit cards in India, especially Infinia and Diners Black. There are a lot of points-earning opportunities on HDFC cards, including with Smartbuy. Indian Credit Card industry is moving in a great direction with a great credit card offering from HDFC Bank, Axis Bank and AMEX.