Best HDFC credit cards for online shopping

Different credit cards are designed to cater to specific types of spending. While getting a  credit card, various factors are considered to reduce unnecessary expenditure. For instance,  the charges on the card, the offers and benefits, your salary and your credit history. One of such essential criteria is what category of card you are looking for. For instance, if you are a  shopaholic, you should look for credit cards in the shopping category. Shopping is one of the most popular categories of credit cards. This blog discusses the best credit cards specifically designed for online shopping needs. 

So, if you are looking for the best credit cards offered by HDFC bank for shopping, you are at the right place. Wishfin is going to help you find out just that. 

The best credit cards by HDFC bank for online shopping are given down below: 

HDFC Millennia Credit Card: 

HDFC millennia credit card has been specifically designed to cater to the millennial lifestyle  since it comes with many cashback offers and benefits for millennials who shop frequently.  The benefits and offers on the card are given below: 

Cashback offers: 


  • You get a 5% cashback offer online purchase from Amazon, BookMyShow, Flipkart,  Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato and 1% on all other spending  (except fuel). 
  • Get gift vouchers worth Rs.1000 on spending Rs.100000 and above each calendar quarter. 
  • You get a 20% discount on partner restaurants via Dine Outs 


Fuel charge waiver: 

You get a 1% fuel surcharge waiver across all stations in India (on minimum transaction of  400 & maximum transaction of 5,000The cardholder can earn a maximum cashback of Rs.  250 per statement cycle. 

Eligibility on HDFC millennia credit card: 


  • For salaried individuals: The Individual should be an Indian citizen 
  • The age of the individual should be between 21 to 40 years. 
  • Income: The gross monthly income of an individual should be more than at least ₹35,000 For self-employed: 
  • Indian national Age: The individual’s age should be between 21 yrs to 40 yrs.
  • Income: The age of the individual should be more than ₹6.0 Lakh per annum (ITR) 


HDFC Bank Solitaire Credit Card: 


The Solitaire credit card by HDFC Bank is an exclusive credit card for women. The card  caters for the need of shopping online as it comes with lots of reward points and cashback,  as discussed below: 



  • You can get vouchers worth Rs 1000 on spends of Rs 75000 in six months. Earn up to two  vouchers a year. 
  • You can earn 3 reward points for every Rs 150 you spend 
  • Get 50% more reward points on dining and grocery expenses 
  • Redeem reward points for exclusive gifts and offers 

Fuel surcharge waiver: 

You get a 1% fuel surcharge waiver at all fuel stations across India on making transactions  between 400 and 5,000. Max waiver of 250 per statement cycle. 


Eligibility to apply for the card: 


Salaried employee:  21 to 60 years of age 

Self-employed:  21 to 65 years of age 


HDFC bank moneyback credit card: 

This card is a super-saver card that gives you instant cashback on every spend. Thus, you  can shop for anything to everything and earn cashbacks with the HDFC Bank MoneyBack Credit Card. The benefits and offers are given below: 


You can earn 2 Reward Points on every Rs 150 spent or 2X Reward Points, i.e. 4 Reward  Points on every Rs. 150 spent online* 

Win every quarter, get a gift voucher worth Rs. 500 on spends of Rs 50,000 and earn up to  Rs. 2,000 worth of gift vouchers in a year.


Fuel surcharge waiver: 

1% fuel surcharge waiver at all fuel stations across India on minimum transaction of 400.  (Max Cash Back of 250 per statement cycle) 


Eligibility to apply for the card: 

For Salaried Indian national: 

Age: Min 21 yrs & Max 60 Yrs, 

Gross Monthly Income> 25,000 

For Self Employed Indian national: 

Age: Min 21 yrs & Max 65 Yrs, 

Income: ITR > 6.0 Lakhs per annum 


HDFC freedom credit card: 



  • You can earn 1 reward point on every spend of ₹150 and above 
  • Redeem points for cashback (1 Point = 10 p) or product catalogue (1 Point = up to 15 p) or  Flight and Hotels on Smartbuy (1 point = 10p), where Credit Card members can redeem up  to a maximum of 50% of the booking value through Reward Points  click here
  • You can get a gift voucher worth ₹1000 on annual spending of ₹90,000 and higher and get a  welcome and renewal benefit of 500 reward points on fee realization or earn 25X reward  points on your birthday spends


Eligibility to apply for the card: 

Salaried employee 

  • 21 to 60 years of age 

Gross Monthly Income > 12,000 


  • 21 to 65 years of age 

Income: ITR > 2 Lakhs per annum


Summing up: 

In today’s era of digitalization, a credit card has become an indispensable part of our lives. If  you are also looking for a credit card in the shopping category, check out the list of best  credit cards given above. After reading this blog, you now know the best credit cards  offered by HDFC Bank in the shopping category. But before applying for a credit card, you  can check and compare various credit cards to make an informed decision.


Read Also: Do you need credit score counselling?

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