Ranking Worst to Best HDFC Credit Cards (My Honest Review)

Summary

In this video, the host ranks HDFC credit cards from worst to best, sharing personal experiences and opinions. Discussing various cards like the Regalia, Tata New Infinity, and the premium Infinia, the host evaluates their annual fees, reward rates, and benefits. With a focus on practical usage, the video guides viewers on choosing the right card, offering application links and detailed breakdowns of each card's perks.

Takeaways

• 😀 The video discusses the ranking of HDFC credit cards from worst to best based on the presenter's personal experience and opinions.
• 🏦 The presenter has a long-standing relationship with HDFC, having used multiple cards over more than 10 years.
• 💳 The HDFC Regalia card is ranked as the least favorable due to its limited rewards and benefits, despite offering lounge access.
• 🌐 The HDFC Tata New Infinity card is recommended for those with significant spending across Tata Brands, offering up to 10% reward rates.
• 🔗 The presenter provides application links for all discussed cards in the video description and comments for viewer convenience.
• 🏷️ The HDFC Regalia Gold card offers accelerated rewards and is praised for its value, especially for those with the potential to earn high reward rates.
• 🏨 The HDFC Marriott co-branded card is highlighted for its benefits to frequent Marriott and ITC hotel guests, including a free night stay.
• 🖤 The Diners Club Black Metal card is noted for its lack of sign-up bonus points but offers high reward rates and membership benefits.
• 💼 The HDFC Business Black Card is ideal for taxpayers, with a substantial reward rate and benefits like Club Marriott membership.
• 🌟 The HDFC Infinia card is considered one of the best, despite being difficult to obtain, offering a 3.3% base reward rate and a range of benefits.
• 📢 The presenter invites viewers to share their opinions and experiences with the discussed cards, encouraging interaction and feedback.

Q & A

What is the ranking of HDFC credit cards discussed in the video?

The video discusses ranking HDFC credit cards from worst to best, covering five cards in total.

What is the annual fee for the HDFC Regalia card?

The annual fee for the HDFC Regalia card is 2,500 rupees plus GST.

What is the effective reward rate for the HDFC Regalia card?

The effective reward rate for the HDFC Regalia card is 1.3% when redeemed on the HDFC Regalia portal.

How many lounge accesses does the HDFC Regalia card offer?

The HDFC Regalia card offers two domestic lounge accesses quarterly and six International Lounge accesses per year.

What is the rating given to the HDFC Regalia card by the presenter?

The presenter rates the HDFC Regalia card between 3 to 3.5 out of five.

What is special about the HDFC Tata New Infinity card for Tata brand spenders?

The HDFC Tata New Infinity card offers up to 10% reward rate for spending across Tata Brands, making it a must-have for those who frequently spend with Tata.

What is the base reward rate for the HDFC Regalia Gold credit card?

The base reward rate for the HDFC Regalia Gold credit card is 1.3%, with the ability to earn up to 13.2% on the Smartbuy portal.

What is the benefit of having the HDFC Marriott co-branded card for Marriott property spends?

The HDFC Marriott co-branded card offers accelerated Reward Points for spends at Marriott properties and a free night stay for up to $15,000 points with a nominal annual fee.

What is the annual fee for the Diners Club Black Metal credit card?

The annual fee for the Diners Club Black Metal credit card is 10,000 rupees plus GST.

What is the rating given to the HDFC Infinia card by the presenter?

The presenter rates the HDFC Infinia card at 4.5 out of 5, considering it one of the best cards from HDFC, despite being overhyped.

What are the benefits of the HDFC Business Black Card for taxpayers?

The HDFC Business Black Card offers a fantastic reward rate of up to 16.5% for taxpayers, with a base reward rate of 3.3% and additional benefits like Club Marriott membership and Milestone benefits.