Best HDFC Bank Shopping Credit Card 2026

HDFC Bank Shopping Credit Card

HDFC Bank Shopping Credit Card focuses on everyday value through reward points, cashback offers, and discounts on popular retail and e-commerce platforms. Many shoppers choose HDFC Bank credit cards because they are widely accepted and easy to manage through digital banking. From groceries and fashion to gadgets and household items, the idea is simple: savings on things you already buy. If you are considering one, HDFC Bank’s credit card application process is generally smooth, with clear eligibility checks and a relatively quick approval process.

Key Highlights of the HDFC Bank Shopping Card

Shoppers compare HDFC cards to suit their online and in-store spending. Looking at Tata Neu Plus, MoneyBack Plus, Tata Neu Infinity, Regalia Gold, and Millennia side by side makes the choice clearer. It helps you see how each card is positioned, who it fits best, and what kind of spender it is built for, without getting lost in marketing labels:

How HDFC Bank Shopping Credit Cards Help You Save More on Shopping

HDFC offers a range of shopping cards based on where people spend and how they prefer value to be tracked.

• Millennia saves more on everyday online brands because the cashback rate is clearly defined. HDFC offers 5% cashback on select online merchants (including Amazon, Flipkart, Myntra, Swiggy, Zomato, and others) and 1% cashback on other eligible spends.
• MoneyBack+ helps you save more when your spending matches its 10X partners. You can earn 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart Superstore, and Swiggy.
• Tata Neu Plus helps you save more if you shop across Tata brands, because rewards land as NeuCoins. HDFC offers 2% back as NeuCoins on partner Tata brands and 1% back as NeuCoins on non-Tata brand retail spends.
• Tata Neu Infinity adds another savings route via UPI for small shopping bills as well. Eligible UPI spend earns 0.5% back as NeuCoins, and using the Tata Neu UPI ID adds an additional 1% back as NeuCoins.
• Regalia Gold saves more on brand-led shopping by boosting rewards at specific retailers. HDFC highlights 5X Reward Points at Marks & Spencer, Myntra, Nykaa, and Reliance Digital, along with a base earn rate on retail spends.

Welcome & Joining Benefits for HDFC Bank Shopping Credit Card

HDFC Bank’s welcome and joining offers vary by card and typically come with an apparent trigger. These can be paying the joining fee, completing a first transaction within a set time, or meeting an early spend condition. Seeing the cards in a single table makes it easy to compare conditions before choosing one:

Fees & Charges of HDFC Bank Shopping Credit Card

HDFC Bank’s shopping-focused credit cards offer different fee levels and waiver rules, depending on the card.

Eligibility Criteria for the HDFC Bank Shopping Credit Card

HDFC Bank sets income eligibility criteria differently for each shopping-focused credit card.

Documents Required for HDFC Bank Shopping Credit Card

HDFC Bank follows a standard document checklist for its shopping-focused credit cards.

• Identity proof is the starting point for every application. HDFC Bank requires one valid photo identity document to verify your identity.
• Proof of address is required to verify your residence. The bank checks your current residential address using an officially accepted document.
• Income proof depends on how you earn. For salaried applicants, HDFC typically verifies recent salary credits via payslips or bank statements. For self-employed applicants, income is verified through income tax returns and supporting financial documents.
• A PAN card is mandatory.
• Recent photographs would be requested.

How to Apply for the HDFC Bank Shopping Credit Card through Urban Money

Applying for an HDFC Bank Shopping Credit Card through Urban Money is well-suited and straightforward for first-time users. The process is quick, and you can complete it in a few minutes with basic information. Here is how you can do it step by step:

• Visit the Urban Money website and go to the credit cards section.
• Select the HDFC Bank Shopping Credit Cards you want from the list of available options.
• Click on the HDFC Bank Shopping Credit Card option shown on the page.
• Fill in your name, contact number, income details and city.
• Submit the form so Urban Money can contact you for personalised assistance.