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HDFC Bank Credit Cards

HDFC Bank is the undisputed king of credit cards in India. Over 40 card variants, a well-structured rewards program, and some genuinely excellent co-branded cards make this the first place…

✅ Updated: May 2026 📋 All cards verified against official issuer websites 🏆 Rankings based on reward rate, fee value and real-world usability

HDFC Bank is the undisputed king of credit cards in India. Over 40 card variants, a well-structured rewards program, and some genuinely excellent co-branded cards make this the first place most people start — and often end — their search.

The bank offers cards across every category from basic cashback (MoneyBack) to ultra-premium metal (Infinia). Their HDFC SmartBuy portal gives strong redemption value, and their co-branded cards with brands like Swiggy, Diners Club and Marriott are among the best in their respective categories.

Why Choose HDFC?

All HDFC Bank Credit Cards

⭐ EDITOR'S TOP PICK
HDFC Bank logo
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HDFC Infinia Metal Credit Card

HDFC Bank
Annual Fee: ₹12,500/yr
Joining Fee: ₹12,500
🎁 Rewards: 5 Reward Points per ₹150; best SmartBuy redemption value
✅ Best for: High spenders (₹10L+/yr) wanting top-of-market rewards
HDFC Bank logo
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HDFC Diners Club Black Metal Edition

HDFC Bank
Annual Fee: ₹10,000
Joining Fee: ₹10,000
🎁 Rewards: 5 Reward Points per ₹150; premium Diners Club acceptance
✅ Best for: Super-premium users wanting global lounge access and concierge
HDFC Bank logo
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HDFC Regalia Gold Credit Card

HDFC Bank
Annual Fee: ₹2,500/yr
Joining Fee: ₹2,500
🎁 Rewards: 4 Reward Points per ₹150 spent on all categories
✅ Best for: Frequent domestic flyers wanting premium travel benefits
HDFC Bank logo
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HDFC Millennia Credit Card

HDFC Bank
Annual Fee: ₹1,000/yr
Joining Fee: ₹1,000
🎁 Rewards: 5% cashback on Amazon, Flipkart, Myntra, Swiggy
✅ Best for: Online shoppers spending ₹40k+/month on top platforms
HDFC Bank logo
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HDFC Bank Millennia Credit Card

HDFC Bank
Annual Fee: ₹1,000
Joining Fee: ₹1,000
🎁 Rewards: 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Swiggy, Uber
✅ Best for: Online shoppers spending ₹40,000+/month
HDFC Bank logo
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HDFC Diners Club Privilege Credit Card

HDFC Bank
Annual Fee: ₹2,500
Joining Fee: ₹2,500
🎁 Rewards: 4 Reward Points per ₹150; 10X on weekend dining
✅ Best for: Frequent flyers and foodies wanting both lounge access and dining rewards
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HDFC Swiggy Credit Card

HDFC Bank
Dining Cashback Lifestyle
Annual Fee: ₹500/yr
Joining Fee: ₹500
🎁 Rewards: 10% cashback on Swiggy; 5% on other online spends
✅ Best for: Swiggy users ordering food 2+ times a week
HDFC Bank logo
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HDFC Tata Neu Infinity Credit Card

HDFC Bank
Annual Fee: ₹1,499
Joining Fee: ₹1,499
🎁 Rewards: 5% NeuCoins on Tata apps; 1.5% on others
✅ Best for: Heavy Tata ecosystem users wanting lounge access too
HDFC Bank logo
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HDFC Marriott Bonvoy Credit Card

HDFC Bank
Annual Fee: ₹3,000
Joining Fee: ₹3,000
🎁 Rewards: 8 Bonvoy Points per ₹150 at Marriott; 4 at others
✅ Best for: Frequent Marriott hotel guests earning Bonvoy points
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HDFC IndianOil Credit Card

HDFC Bank
Annual Fee: ₹500
Joining Fee: ₹500
🎁 Rewards: 5% FuelPoints at IndianOil outlets; 3% on groceries
✅ Best for: IndianOil loyal customers who fill up 2+ times a week
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HDFC Regalia First Credit Card

HDFC Bank
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 3 Reward Points per ₹150; bonus points on milestone spends
✅ Best for: Entry-level users wanting lounge access and zero annual fee
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HDFC MoneyBack+ Credit Card

HDFC Bank
Cashback Beginner Shopping
Annual Fee: ₹500/yr
Joining Fee: ₹500
🎁 Rewards: 10X CashPoints on SmartBuy, Swiggy, Zomato, Amazon
✅ Best for: Entry-level users wanting simple cashback rewards
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HDFC Tata Neu Plus Credit Card

HDFC Bank
Annual Fee: ₹499
Joining Fee: ₹499
🎁 Rewards: 2% NeuCoins on Tata apps; 1% on others; 5% on Tata Neu app
✅ Best for: Frequent Tata brand shoppers — BigBasket, Croma, Air India
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HDFC UPI RuPay Credit Card

HDFC Bank
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 3% cashback on UPI transactions; 1% on others
✅ Best for: UPI users who want credit card rewards on UPI payments
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HDFC Business MoneyBack Credit Card

HDFC Bank
Annual Fee: ₹500
Joining Fee: ₹500
🎁 Rewards: 2 CashPoints per ₹150; 10X on business spends on SmartBuy
✅ Best for: Small business owners tracking expenses and earning cashback
HDFC Bank logo
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HDFC Bank Pixel Play Credit Card

HDFC Bank
Cashback lifestyle
Annual Fee: ₹500
Joining Fee: ₹500
🎁 Rewards: 3% cashback on chosen spend category; 1% on others
✅ Best for: Users who want to pick their own cashback category each month