HDFC Bank Credit Cards
Explore a wide range of credit cards from HDFC Bank offering rewards, travel benefits, and exclusive privileges.
HDFC Regalia Gold Credit Card
Annual Fee
₹2500
APR
43.2%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
The HDFC Regalia Gold Credit Card offers a comprehensive rewards program, travel perks including lounge access, milestone benefits, and insurance coverage, making it suitable for high-spending individuals seeking value across various spending categories.
Reward Benefits
4 Reward Points on every ₹150 spent on retail transactions, including insurance, utilities, and education.
20 Reward Points on every ₹150 spent at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
Pros
- High reward points on select brands.
- Complimentary lounge access domestically and internationally.
- Milestone benefits with vouchers and flight tickets.
- Comprehensive insurance coverage.
Cons
- High annual fee without waiver for lower spends.
- Reward points have limited validity.
HDFC Millennia Credit Card
Annual Fee
₹1000
APR
43.2%
Joining Fee
₹1000
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback on popular online platforms and lifestyle benefits.
Reward Benefits
5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
1% cashback on all other spends (except Fuel, Wallet, EMI, Govt transactions).
₹1,000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
Pros
- Up to 5% cashback on major online platforms.
- Gift vouchers on quarterly spends.
- Dining discounts via Swiggy Dineout.
- Fuel surcharge waiver.
Cons
- Monthly capping on cashback earnings.
- Lower cashback rate on non-partnered spends.
- Exclusions on certain transactions like fuel, wallet loads, EMI, and government transactions.
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12500
APR
43.2%
Joining Fee
₹12500
Cash Advance
2.5%
Why Choose This Card
Designed for high-net-worth individuals seeking luxury travel and dining experiences with premium rewards.
Reward Benefits
Earn 5 reward points per ₹150 spent.
Earn up to 10x reward points on Smartbuy travel and shopping.
Pros
- Unlimited lounge access worldwide for primary and add-on cardholders.
- High reward rate across all spending categories.
- Complimentary Club Marriott membership.
- Unlimited complimentary golf games at select courses.
- Competitive foreign currency markup fee.
Cons
- High annual membership fee.
- Invite-only card, not accessible to all applicants.
HDFC Bank Freedom Credit Card
Annual Fee
₹500
APR
43.2%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Perfect for individuals who enjoy shopping, dining, and online purchases with an attractive rewards program.
Reward Benefits
Earn 10x CashPoints on select merchants (maximum 2,500 CashPoints/month).
Earn 1 CashPoint per ₹150 spent on other purchases (excluding EMI, fuel, and wallet loads).
Up to 20% discount at partner restaurants via Swiggy Dineout.
Pros
- 10x CashPoints on select merchants (BigBasket, Swiggy, Uber, etc.).
- 5x CashPoints on EMI purchases at merchant stores.
- Up to 20% discount at partner restaurants via Swiggy Dineout.
- Low joining and renewal fees.
- Wide range of redemption options for CashPoints.
Cons
- Reward Points for RuPay UPI spends capped at 500 RP/month.
- No Reward Points earned on wallet loading, EMI, and education payments via third-party apps from September 2024.
HDFC MoneyBack Credit Card
Annual Fee
₹500
APR
43.2%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback benefits on everyday purchases, along with attractive rewards on shopping and dining.
Reward Benefits
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
2 CashPoints per ₹150 spent on other transactions.
₹500 gift voucher on spending ₹50,000 per calendar quarter.
Pros
- 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
- 2 CashPoints per ₹150 spent on other transactions (excluding EMI, fuel, wallet loads/prepaid card loads & voucher purchases).
- ₹500 gift voucher on spends of ₹50,000 per calendar quarter (up to ₹2,000 in a year).
- Up to 20% savings on restaurant bills via Swiggy Dineout.
- Fuel surcharge waiver of 1% on fuel transactions (Min ₹400, Max ₹5,000; Max waiver ₹250 per statement cycle).
- Quarterly gift vouchers for meeting spend requirements.
Cons
- Foreign transaction fee of 3.5%.
- No fuel cashback for fuel purchases.
- Annual fee of ₹500 + taxes.
Diners Club Privilege Credit Card
Annual Fee
₹2500
APR
43.2%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent travelers, movie buffs, and foodies who want exclusive offers, rewards, and lounge access.
Reward Benefits
Earn 4 Reward Points per ₹150 spent.
20 Reward Points per ₹150 spent on Swiggy and Zomato.
Exclusive Privilege Dining Catalogue redemptions.
Pros
- 5X Reward Points on Swiggy and Zomato.
- 'Buy 1 Get 1 Free' on movie tickets via BookMyShow.
- Complimentary Swiggy One and Times Prime memberships.
- 2 Complimentary Airport Lounge Access per quarter worldwide.
- ₹1,500 vouchers on ₹1.5 lakh quarterly spends.
Cons
- Annual and Joining fee of ₹2500 + taxes.
- Foreign transaction fee of 2%.
Diners Club Black Credit Card
Annual Fee
₹10000
APR
43.2%
Joining Fee
₹10000
Cash Advance
2.5%
Why Choose This Card
Ideal for high-income earners looking for exclusive benefits in travel, lifestyle, and dining, with luxury concierge services and premium rewards.
Reward Benefits
5 Reward Points for every ₹150 retail spend.
Up to 10X points on SmartBuy purchases.
2X Reward Points on weekend dining.
Pros
- 5X Reward Points for every ₹150 spent.
- Unlimited lounge access worldwide.
- Complimentary golf games (6 per quarter).
- Up to 10X Reward Points on SmartBuy and 2X on weekend dining.
- Luxury concierge services available 24/7.
- Complimentary memberships (Club Marriott, Times Prime, Amazon Prime, etc.).
Cons
- High joining and annual fees of ₹10,000 + taxes.
- Foreign transaction fee of 2%.
Flipkart Wholesale HDFC Bank Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Designed specifically for resellers and wholesalers, this card offers substantial cashback on Flipkart Wholesale purchases and essential business expenses.
Reward Benefits
5% cashback on Flipkart Wholesale online and offline spends.
5% cashback on telecom, utility, government, and tax payments.
1% cashback on all other spends.
Pros
- 5% cashback on Flipkart Wholesale online and offline spends, capped at ₹2,000 per month.
- 5% cashback on telecom, utility, government, and tax payments, capped at ₹250 per month.
- 1% cashback on all other spends, capped at ₹25,000 per month.
- Option to convert large purchases into EMIs.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹2,000, up to ₹250 per statement cycle.
Cons
- Cashback benefits are not applicable on EMI transactions.
- Annual fee of ₹499 plus taxes, waived only if annual spends exceed ₹3,00,000.
- Limited-time offers may not be available to all applicants.
Swiggy HDFC Bank Credit Card
Annual Fee
₹500
APR
42%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals who frequently use Swiggy services and seek substantial cashback on Swiggy and other online spends.
Reward Benefits
10% cashback on Swiggy transactions (up to ₹1,500 per month).
5% cashback on online spends across 1,000+ platforms (up to ₹1,500 per month).
1% cashback on all other spends (up to ₹500 per month).
Pros
- 10% cashback on Swiggy transactions, including food orders, Instamart, Dineout, and Genie.
- 5% cashback on online spends across 1,000+ platforms.
- 1% cashback on all other spends.
- Complimentary 3-month Swiggy One membership.
- Affordable annual fee with potential for waiver.
Cons
- Cashback caps: ₹1,500 per month for Swiggy and online spends; ₹500 per month for other spends.
- Annual fee applicable if annual spends do not exceed ₹2,00,000.