HDFC Bank is India’s largest private sector bank in terms of assets and market capitalization. The Mumbai-based financial services company Housing Development Finance Corporation (HDFC) has become one of the most popular and trusted credit card issuers in the country, with more than 2.13 crore active credit cards (as of June 2024). From rewards and cashback cards to shopping and travel, HDFC Bank Credit Cards are issued in all categories. The card issuer keeps all the segments of individuals and their spending behaviors in mind and hence offers different credit cards so that everyone can find one according to their requirements. This is why HDFC Credit Cards are popular. It’s also important to know that HDFC is the first bank to have over two crore credit card holders in India. This bank currently offers around 35 credit cards (including business credit cards), which help customers save more on their spending and purchases. HDFC Credit Cards are also known for offering great deals and discounts in partnership with popular brands like Apple. In this article, you will find all the best HDFC Bank Credit Cards available in the Indian market. Keep reading for more information:
Table of ContentsWith a lot of HDFC Bank Credit Cards present in the Indian market, it might be difficult for individuals to choose a card that fits them the best. To help you out in selecting the right one, we are here with the list of all the best HDFC Bank Credit cards in India so that you can go through all of them, their benefits, fees & charges, and apply for the one that seems to be best suited for you.
Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued
A voucher worth Rs. 500 as a welcome gift can be redeemed on a minimum spend of Rs. 3000 at Shoppers Stop stores.
Travel | Dining | Shopping
Complimentary Membership of Club Marriott, Swiggy One and Amazon Prime (On Spends of Rs. 1.5 Lakh Within 90 Days of Card Issuance)
Travel | Dining | Shopping
Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.
Travel | Dining | Shopping
Get complimentary annual membership of Forbes, Club Marriott, Times Prime, MMT Black, Amazon Prime, and Swiggy One (3 Months) on spending Rs. 1,50,000 or more in the first 90 days of card issuance
Movies | Travel | Food
1 complimentary 6E Prime add-on with priority check-in, complimentary meal, quicker baggage, choice of seat, etc.
Travel | Shopping | Food
Three Month Swiggy One Membership, Annual Memberships of Club Marriott, Amazon Prime, Forbes, and MMT Black and Harley Vouchers Worth ₹2,500
Get complimentary Paytm First Membership as a welcome gift on making your first transaction worth Rs. 100 or more.
Travel | Dining | Shopping
Movies | Dining | Shopping
Earn up to 8,000 bonus Inter Miles on the basis of your spending as a welcome gift.Exciting discount vouchers for Flight & Hotel bookings.
As discussed earlier, HDFC Bank provides exciting benefits with its credit cards. Not only reward programs, but there are many more advantages of having an HDFC Bank Credit Card. Some of the key benefits that you can get from HDFC Bank Cards:
Welcome Benefits – On card activation, HDFC Credit cards offer exciting welcome benefits to cardholders in the form of complimentary membership of premium partners, bonus reward points, gift vouchers, and much more. Generally, cardholders receive welcome benefits on successful payment of the joining fee.
Rewards/Cashback – Every time you spend using your HDFC Bank Credit Card, you get rewarded in the form of reward points/cashback or sometimes in the form of Intermiles as well (except on a few transactions). Moreover, some cards may also offer accelerated reward points/cashback on spending on select categories like dining. The cardholder can redeem the reward points earned against endless options of their choice.
Milestone Benefits – The cardholder can avail of the milestone benefits associated with a credit card and enjoy almost the same benefits as the welcome benefits, like complimentary air tickets, bonus reward points/cashback, gift vouchers, and much more. The milestone benefits are provided to the cardholder on achieving the required spend threshold/target.
Travel Benefits – HDFC Bank also issues some travel credit cards providing complimentary airport lounge access, complimentary airlines/hotels’ premium memberships, and much more. The cards with all these benefits can be considered best for people who love to travel.
Movie & Dining Benefits – HDFC bank issues many credit cards offering exciting movie and dining benefits, keeping in mind the entertainment needs of its cardholders. The movie benefits with a credit card may include complimentary movie tickets or even discounts on such tickets and much more. As a dining benefit, the card offers complimentary memberships like EazyDiner Prime membership and Swiggy One.
HDFC’s Infinia Metal Edition and Diners Club Black are two of the top HDFC Credit Cards in the super-premium category. You can find detailed information about these two cards below:
Infinia Metal Edition Credit Card is the most premium offering by the bank. It is an invite-only card and offers premium benefits like a 24×7 concierge service, unlimited domestic and international lounge access, golf privileges, and a lower foreign currency mark-up fee. As it is a reward points card, you earn 5 reward points per Rs. 150 you spend using the card. You have to pay an annual membership fee of Rs. 12,500 for this card.
After Infinia, the second most premium offering by the HDFC bank is the Diners Club Black credit card. This card also earns you 5 reward points for every Rs. 150 spent. You also get a complimentary membership of some of the most popular subscription services like Amazon Prime and Swiggy One with this card. The annual membership fee for this card is Rs. 10,000.
HDFC Bank also offers some great lifestyle-based credit cards along with the travel and reward categories. Some of the best lifestyle credit cards issued by HDFC Bank are as follows:
The Regalia Gold card offers some of the best lifestyle and travel privileges to the cardholder. The card charges a Rs. 2500 annual fee, offering complimentary Club Vistara Silver and MMT Black Elite membership. Also, you get 4 Reward Points per Rs. 150 spent on retail and 5x Reward Points per Rs. 150 spent at Reliance Digital, Nykaa, Reliance Digital, Marks & Spencers, and Myntra, both online and in-store. You can redeem your reward points at the Smartbuy portal.
The Diners Club Privilege card is also a very popular lifestyle card by HDFC. You get a complimentary membership of some of the most popular subscription services like Amazon Prime and Swiggy One. This card also earns you 4 reward points per Rs. 150 you spend. You also get some premium benefits like a lower foreign currency mark-up fee.
The Millennia credit card by HDFC Bank is one of the best cashback credit cards currently available in the market. It is tailored to the needs of the millennials. The card gives you 5% cashback on online shopping websites and 1% cashback on offline transactions. The membership fee for this card is Rs. 1,000 per annum. The card also offers benefits like travel, dining, and much more.
Out of the two co-branded credit cards by HDFC Bank and Tata Neu, the Infinity is the premium variant with a Rs. 1499 annual fee and offers a welcome bonus of 1499 Neu Coins. Also, the card offers exclusive privileges across various categories like complimentary lounge access, cashback as NeuCoins on your spends, travel insurance, and much more.
The Neu Plus credit card is great for loyal customers of both HDFC Bank and Tata brands, offering 2% value back as Neu Coins and 499 Neu Coins as a welcome benefit. As an introductory offer, you get bonus Neu Coins on the Tata Neu app along with other privileges like complimentary lounge access, fuel surcharge waiver, zero liability protection, etc.
The HDFC Bank MoneyBack Plus Credit Card is a great cashback offering card. The card provides tons of cashback like 10x Cash Points on Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy, 5x Cash Points on EMI spends, and 2 Cash Points every time you spend Rs. 150. These points are redeemable for cashback, purchasing products, and flight/hotel bookings via SmartBuy. Apart from this, the card offers other benefits like dining benefits, fuel surcharge waiver, spend-based waiver, and much more.
The Paytm HDFC Select Credit Card by the HDFC Bank is a Co-Branded card in partnership with Paytm and comes with Paytm First loyalty membership. The card offers great cashback benefits, especially for those who enjoy shopping through the Paytm app and Paytm Mall. It offers 5% cashback on Paytm Mall/Movies/Mini app spends, 2% on other Paytm spends, and 1% on all other retail spends with the card. These cash points can be redeemed against outstanding balances or can be used for different categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue. Other benefits like travel benefits, fuel, milestone benefits, and much more are also provided with the card.
HDFC Bank launched this card in collaboration with Indigo Airlines, which is the country’s largest and most popular airline. You earn reward points as 6E Rewards- 5% on Indigo, 3% on grocery, dining, and entertainment, and 2% on all other spends. Apart from this, the card also offers complimentary domestic lounge access with this credit card. These benefits make this card the card of choice for frequent domestic flyers. The annual membership fee for this card is Rs. 2,500, and it is one of the best HDFC Credit Cards in the travel category.
This credit card earns you rewards as fuel points. Earn up to 50 litres of free fuel annually with this card. This card earns you 5% fuel points on spends at Indian Oil outlets and on grocery purchases and bill payments, and 1% fuel points on all other retail spends. The annual membership fee of this card is just Rs. 500.
This is the first time Swiggy has partnered with a bank on a credit card, and you can get the card for a joining fee of Rs. 500 plus taxes. If you are a loyal Swiggy customer and regularly order food online, then this is a great card for you through which you can save up to 6.8% on your annual spends of over Rs. 2 Lakhs. As a welcome benefit, you get a complimentary 3-month Swiggy One membership and can get up to 10% cashback on your spends across Swiggy. With this card, you can save a lot on your food orders.
All the major card issuers provide their cardholders with exciting rewards or cashback benefits so that they can save more and more on their spends when they make purchases using their credit card. HDFC Bank also does the same and offers different types of rewards with different credit cards. The reward rate may be different on different credit cards, i.e., more on premium cards and less on basic ones. The reward points or cashback that you earn on these top 10 HDFC Bank Cards are summarised in the table below:
With the HDFC Bank Rewards Credit Cards, you can earn reward points on almost all your spends. Every cardholder can earn reward points, but only a few of them know how to earn the maximum rewards with a credit card. Almost every credit card offers accelerated rewards in one or two selected categories & regular points on all other spends. To save the most using your HDFC Credit Card, make sure that you get a credit card that comes with accelerated reward points in a category where you spend the most. Moreover, you also need to keep in mind that you can earn reward points not only on your regular spends, but in the form of welcome benefits or milestone benefits as well.
HDFC Bank provides an easy way for the redemption of reward points to its customers. You should have a minimum of 500 Reward points to redeem. You can easily redeem your earned points via Net Banking by following a few simple steps as mentioned below:
SmartBuy is HDFC Bank’s rewards aggregator portal, where you’ll find deals and offers that the bank offers in partnership with third-party merchants. You can also book hotel and flight tickets and purchase Instant Vouchers on SmartBuy. While on most HDFC cards, you get additional cashback on shopping via SmartBuy, you earn accelerated Reward Points on your Infinia and Diners Club Black Cards. For more information on the extra reward points and cashback that you earn on the SmartBuy portal, you may refer to HDFC Smartby.
To get a particular credit card, the applicants need to fulfil some specific eligibility criteria. Generally, the age requirements are almost the same for all HDFC Credit Cards, but income and credit score requirements might vary. You generally need to have a higher annual income to apply for a premium credit card as compared to a basic card. Following are some basic eligibility requirements that you need to fulfil in order to get an HDFC Bank Credit Card:
The bank requires KYC documents, including identity proof, address proof, and proof of income, to process your credit card application. The documents accepted as ID proof, address proof, and proof of income are-
There are several fees and charges associated with credit cards. Most people only consider the annual fee while applying for a credit card as it is something that is most important. The annual fee of top HDFC bank credit cards is as follows.
| Credit Card | Annual Fee | Spends for Renewal Fee Waiver |
| Infinia Credit Card Metal | Rs. 12,500 + GST | Rs. 10,00,000 |
| Diners Club Black Credit Card | Rs. 10,000 + GST | Rs. 5,00,000 |
| Diners Club Black Metal Edition Credit Card | Rs. 10,000 + GST | Rs. 8,00,000 |
| Diners Club Privilege Credit Card | Rs. 2,500 + GST | Rs. 3,00,000 |
| Millennia Credit Card | Rs. 1,000 + GST | Rs.1,00,000 |
| HDFC Bank MoneyBack Plus Credit Card | Rs. 500 + GST | Rs. 50,000 |
| Marriott Bonvoy HDFC Bank Credit Card | Rs. 3000 + GST | N/A |
| Paytm HDFC Select Credit Card | Rs. 1000 + GST | Rs. 1,50,000 |
| 6E Rewards XL – IndiGo Credit Card | Rs. 2,500 + GST | N/A |
| InterMiles Platinum Credit Card | Rs. 1,000 + GST | N/A |
| IndianOil HDFC Bank Credit Card | Rs. 500 + GST | Rs.50,000 |
Apart from the annual fee, there are many more charges you need to pay with a credit card when required. These fees and charges include interest rate (which is charged on the outstanding balance that has not been paid by the payment due date), cash advance fee (which is charged when you withdraw cash using your credit card), forex markup fee (charged when you make a transaction in a different currency with your credit card), and many more. Some of the important charges that are applicable on the Top HDFC Credit Cards are as mentioned below:
| Interest Charges on Revolving Credit | 1.99% per Month on Infinia, Diners Club Black, and Intermiles HDFC Bank Diners Club Credit Card. 3.6% on all Other Cards |
| Cash Advance Fee | 2.5% of the Withdrawn Amount or Rs. 500 (Whichever is Higher) |
| Forex Markup Fee | 2% on Infinia, Diners Club Black Metal Edition, Regalia Gold, Tata Neu Infinity HDFC Bank & Diners Privilege |
You can apply online for HDFC Bank Credit Cards in a few easy steps as mentioned below:
After receiving your HDFC Bank Credit Card, the very first thing you need to do is activate your card in order to use it for purchases. Refer to the following steps to understand the same:
In order to register your HDFC Bank Credit Card for internet banking, you can follow a few simple steps as mentioned below:
For any doubts, queries, or complaints related to your HDFC Bank Credit Card, you can contact your credit card customer care via call, email, or post as per your comfort. Following are a few details that can be used to contact HDFC Credit Card Customer Care:
Comparing credit cards before applying for them is one of the most essential steps to be followed in order to get the maximum benefit out of your card. Firstly, you must analyse your spending habits and try to understand where you spend the most every month. After that, look for the HDFC Credit Cards that are most beneficial in those categories and note down a list of similar cards. Now, you should compare HDFC credit cards wisely. Check for all their features, benefits, and fees & charges and choose a credit card that is the most suitable for you. Make sure that you check the eligibility criteria as well. This is how you can choose the best HDFC Cards for yourself.
HDFC Bank offers a wide range of credit cards to cater to the diverse needs of individuals. Recently, the bank has launched the UPI RuPay Credit Card, enabling you to make payments with your UPI application effortlessly. HDFC Bank is renowned for providing outstanding benefits and rewards on its range of credit cards, from luxury cards like Infinia to everyday use cards like Millennia or Moneyback Plus. With such a wide variety of options available, it’s important to compare and choose the card that best suits your needs, keeping in mind your spending habits.
