Is a HDFC Bank credit card good for frequent travellers?
Sumanth Sastry
Asked 27 Mar 2026
Reviews of HDFC Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for students?
2 Answers
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
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