HDFC Woman’s Gold Credit Card Review

HDFC Woman's Gold Credit Card is exclusively designed for woman shoppers to avail them those shopping privileges and benefits. The card is well equipped with money saving features which could be very useful when you are out there shopping.

As for the card’s Reward Points Program you can earn 1.5 Reward points for every Rs 150 spent provided spends are above Rs. 10,000 in a statement cycle. Although value of each Reward point is not mentioned yet redemption of Reward points is an exciting affair with this card due to number of options available for redemption.

HDFC Woman's Gold Credit Card has a Joining fee of Rs 500 and Annual fee of Rs 2000 making it one of the most expensive cards on offer. The card though is designed exclusively for women shoppers and has a unique concept but with respect to features and benefits is like any other shopping card. Simply put it has nothing new or exclusive to offer its users. Thus when other cards with similar features are available for lower cost why would one opt for HDFC Woman's Gold Credit Card. Thus high charges are a hindrance in the success of the card.

The card when compared to other shopping cards like Standard Chartered Gold Rewards Card and Kotak Mahindra Trump Gold Credit Card is at par except for high charges which is one of the major drawbacks for the card.  Interest rate offering is one of the important criterions for a shopping card due to volume of transactions. HDFC Woman's Gold Credit Card has an interest rate of 3.25% p.m. which is competitive in comparison to other cards.