Which HDFC Credit card to Choose ?

[Kapil Gupta]

Please community advice which credit card to choose from .

 

[ajaych7777]

Go with DCB
If you don't mind can you share your journey to reach for a pre approved LTF cards
do u have any existing relation with bank? if yes, account variant?
salary account?

 

[Kapil Gupta]

Go with DCB
If you don't mind can you share your journey to reach for a pre approved LTF cards
do u have any existing relation with bank? if yes, account variant?
salary account?

Yes I have account with them it's Imperia account

 

[Skylar]

DCB

 

[Kapil Gupta]

Thank you

 

[Skylar]

Marriott Bonvoy HDFC Bank Credit Card​	HDFC Bank Regalia Gold Credit Card​	HDFC Bank Diners Club Black Credit Card​
Joining Fee Rs. 3,000 + GST	Joining Fee Rs. 2,500 + GST	Joining Fee Rs. 10,000 + GST
Rewards and Benefits​
Welcome Benefits 1 Free Night Award valid for 1 year at hotels participating in the Marriott Bonvoy program	Welcome Benefits Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued	Welcome Benefits Get complimentary annual membership of Forbes, Club Marriott, Times Prime, MMT Black, Amazon Prime, and Swiggy One (3 Months) on spending Rs. 1,50,000 or more in the first 90 days of card issuance
Rewards Rate 8 Marriott Bonvoy points on eligible purchases at participating Marriott hotels, 4 reward points on travel, dining, and entertainment spends, 2 reward points on other spends	Rewards Rate Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital	Rewards Rate 5 Reward Points on every spend of Rs. 150. 10x Reward Points on SmartBuy and 2x Reward Points on weekend dining
Movie & Dining Accelerated 4 RPs on Dining, and Entertainment	Movie & Dining 20% Discount via Swiggy Dineout	Movie & Dining 2X Reward Points on weekend dining
Reward Redemption Marriott Bonvoy points are credited to your membership account and you can redeem them for discounted hotel stays, dining offers, etc. at participating Marriott Hotels	Reward Redemption Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65	Reward Redemption HDFC Bank Diners Club Black Reward Points are redeemable for flight/hotel bookings (1 RP = Re. 1) on SmartBuy, for AirMiles (1 RP = 1 AirMile), on Diners Club exclusive rewards redemption catalog (1 RP = Re. 0.5) and for cashbacks (1RP = Rs. 0.30).
Travel Get up to 4 Free Night Awards at Marriott Bonvoy hotels	Travel Complimentary Flight Tickets on Reaching Spend Milestones	Travel Complimentary lounge access at 1,000+ airports in India and abroad, Reward Points redeemable for flight and hotel bookings on SmartBuy (1RP = Re. 1).
Golf 2 complimentary golf course access and 2 golf lessons per quarter	Golf NA	Golf 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.
Domestic Lounge 12 complimentary lounge access at both domestic and international terminals	Domestic Lounge 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)	Domestic Lounge Unlimited complimentary access to the domestic lounges
International Lounge 12 complimentary international lounge access	International Lounge 6 complimentary international lounge access	International Lounge Unlimited complimentary access to the international lounges
Insurance Benefits Air accident cover, cover for delay or loss of baggage or travel documents, credit shield, and loss liability cover	Insurance Benefits Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs	Insurance Benefits Travel-related insurance benefits including an air accident cover worth Rs. 2 crores, emergency overseas hospitalization cover worth Rs. 50 Lakhs, and a credit liability cover worth up to Rs. 9 lakh.
Zero Liability Protection Cardholders are not liable to fraudulent transactions made with the card in case of timely reporting about the theft or loss of the card	Zero Liability Protection Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner	Zero Liability Protection Zero liability protection worth Rs. 9 lakh against a lost/stolen card.
Fees & Charges​
Renewal Fee Rs. 3,000 + GST	Renewal Fee Rs. 2,500 + GST	Renewal Fee Rs. 10,000 + GST
Spend-Based Waiver N/A	Spend-Based Waiver Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year	Spend-Based Waiver Waiver of renewal fee on spending Rs. 5,00,000 in the previous year.
Rewards Redemption Fee N/A	Rewards Redemption Fee Rs. 99	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5%	Foreign Currency Markup 2% on all forex transactions	Foreign Currency Markup 1.99% (plus applicable taxes)
Interest Rates 3.6% per month	Interest Rates 3.6%	Interest Rates 1.99% per month (or 23.88% annually)
Fuel Surcharge 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5000	Fuel Surcharge N/A	Fuel Surcharge 1% fuel surcharge waived (max waiver capped at Rs. 1,000/month and min transaction of Rs. 400 required).
Cash Advance Charges 2.5% of the withdrawn amount or Rs. 500, whichever is higher	Cash Advance Charges 2.5% of total amount or Rs. 500, the higher one	Cash Advance Charges Higher of 2.5% of the amount withdrawn or Rs. 500.
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

 

[Kapil Gupta]

Thank you Now very clear to go with DCB

 

[Hey_5]

I don't travel much
Are there any other options for redeeming reward points ?
For dcb ?