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HDFC Bank offers credit cards that cater to different individual needs such as shopping, travel, fuel, entertainment, dining and more. You can find entry-level cards as well as premium cards with extraordinary benefits. However, the best HDFC credit card for you would be the one that offers the highest value-back on your preferred spending categories. Here we have listed the best credit card in each category.
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Compare Top 10 HDFC Bank Credit Cards
HDFC Infinia Credit Card
Joining fee: ₹12500
Annual/Renewal Fee: ₹12500
Unlimited airport lounge access for primary and add-on members
10x reward points on travel and shopping spends on Smartbuy
Product Details
- 1 RP = 1 Air Mile or Rs. 1 for travel bookings, Apple products and Tanishq vouchers purchased via SmartBuy
- Invite-only card with Club Marriott membership and 12,500 reward points on card activation & renewal
- 5 reward points on every Rs. 150 spent, including spends on insurance, utilities and education
- Access to unlimited golf games and lessons across premium golf courses worldwide
- Book 3 nights stay at participating ITC hotels and pay for 2 with 1+1 complimentary weekend buffet
- Low forex mark-up fee of 2%
HDFC Diners Club Black Metal Edition Credit Card
Joining fee: ₹10000
Annual/Renewal Fee: ₹10000
Unlimited airport lounge access for primary and add-on members
High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent
Product Details
- Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
- Annual memberships of Club Marriott, Amazon and Swiggy One on joining
- Low forex markup fee of 2% and renewal of annual complimentary memberships on Rs. 8 lakh annual spends
- 10,000 reward points on spending Rs. 4 lakh or more in a quarter
- 6 complimentary golf games in a calendar quarter
Marriott Bonvoy HDFC Credit Card
Joining fee: ₹3000
Annual/Renewal Fee: ₹3000
Marriott Bonvoy Silver Elite status with 4x MB Points on partner hotel spends
12 airport lounge access each within and outside India per year
Product Details
- 1 free night award and 10 Elite night credits as joining bonus
- 2 complimentary golf access with green fee waiver per quarter across the world
- 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
- 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
- 1 free Night Award each on reaching Rs. 6 lakh, Rs. 9 lakh and Rs. 15 lakh annual spends
HDFC Regalia Gold Credit Card
Joining fee: ₹2500
Annual/Renewal Fee: ₹2500
5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward points per Rs. 150 across all retail spends
Product Details
- Complimentary Swiggy One & MMT Black Elite Memberships
- Gift voucher worth Rs. 2,500 on the payment of joining fee
- 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
- Marks & Spencer/ Reliance Digital/ Myntra/ Marriott vouchers of Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
- Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
HDFC Millennia Credit Card
Joining fee: ₹1000
Annual/Renewal Fee: ₹1000
5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & more
1% cashback on spends at other categories
Product Details
- On spending Rs. 1 Lakh in a quarter: Either get 1 free lounge access OR a Rs. 1,000 voucher from the list of partner brands
- Up to 10% additional discount on dining through Swiggy Dineout
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000
HDFC MoneyBack+ Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
Gift vouchers worth Rs. 2,000 every year
Product Details
- 2 CashPoints per Rs. 150 spent on other categories
- 500 CashPoints as welcome benefit after the payment of joining fee
- Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits
Swiggy HDFC Bank Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
10% cashback on Swiggy food orders, Instamart, Dineout & Genie
5% cashback on online spends
Product Details
- 1% cashback on other spends
- Up to Rs. 3,500 cashback in a month
- 3-month Swiggy One Membership worth Rs. 1,199 on card activation
- Renewal fee waived off on Rs. 2 lakh annual spends
6E Rewards XL Indigo HDFC Credit Card
Joining fee: ₹1500
Annual/Renewal Fee: ₹1500
Free IndiGo flight ticket worth Rs. 3,000 & Indigo 6E Prime Add-on
5% value-back as rewards on IndiGo website and mobile app
Product Details
- 5 6E Rewards per Rs. 100 spent on IndiGo website or mobile app
- 3 6E Rewards per Rs. 100 spent on dining, grocery, and entertainment spends
- 2 6E Rewards per Rs. 100 for all other retail spends
- 1 complimentary 6E Prime Add-On and Accor Hotel stay voucher as welcome benefit
- 8 complimentary domestic lounge visits in a year
IRCTC HDFC Bank Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
5X reward points on IRCTC bookings
Complimentary access to IRCTC Executive lounges
Product Details
- Gift voucher worth Rs. 500 on reaching the retail spending milestone of Rs. 30,000 every quarter
- 1% transaction charges waiver, up to Rs. 1,000 in a month on IRCTC website and app
- 1% fuel surcharge is waived off on transactions between Rs. 400 to Rs. 5,000
IndianOil HDFC Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
Up to 6% savings on IndianOil fuel spends
5% fuel points on groceries and bill payment spends
Product Details
- 5% fuel points on spends done at IndianOil outlets
- 1% fuel surcharge waiver, up to Rs. 250 per month, for IOCL fuel spends of Rs. 400 and above
- 1 fuel point per Rs. 150 spent on other purchases, including UPI, where 1 fuel point = Up to Rs. 0.96
- Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining
- Annual fee waived off on spending Rs. 50,000 in a year
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Best HDFC Credit Cards in India
Given below are 10 best HDFC Credit Card offering benefits across multiple categories, including, shopping, dining, travel and more.
1. HDFC Infinia Credit Card
Best Suited For: All-round Premium Benefits
Joining/ Annual Fee: Rs. 12,500 + Applicable Taxes
Key Features & Benefits
- Low forex markup fee of 2%
- 5 reward points per Rs. 150 spent
- Up to 10X rewards on travel and shopping spends via HDFC Bank’s SmartBuy Platform
- Unlimited complimentary domestic and international lounge access for primary and add-on cardholders
- Complimentary Club Marriott Membership
- Exclusive hotel & dining benefits with ITC Hotels
- Unlimited complimentary golf games at participating golf courses in India and abroad
- Global concierge service for assistance regarding travel reservations, airport VIP services, golf, private dining, international gift delivery, etc.
HDFC Infinia Credit Card is an invite-only card, offered by HDFC to high-income individuals or to customers who have a high relationship value with HDFC Bank. If offered, you can consider getting this card, keeping in view whether you are a high-spender or not. The card offers all-rounder benefits, across multiple categories and a high reward rate. Thus, you can maximize the benefits easily and earn substantial reward points leading to significant value-back. However, note that availing this card will be beneficial if you do not already own a super-premium card, otherwise, you will be obliged to maintain multiple high annual fee cards.
2. HDFC Diners Club Black Credit Card
Best Suited For: Premium Luxury & Travel Benefits
Joining/ Annual Fee: Rs. 10,000
Key Features & Benefits
- Low forex markup fee of 2%
- 5 reward points per Rs. 150 spent
- Up to 10X reward points on spends at HDFC Bank’s SmartBuy Platform
- Complimentary Annual memberships of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite Tier and three-month Swiggy One on spending Rs. 1.5 Lakh within the first 90 days or upon first-year fee realization
- 2 monthly vouchers from cult. fit Live 1-month membership or BookMyShow or TataCLiQ or Ola vouchers worth Rs. 500, every month on spending Rs. 80,000 per month
- 6 complimentary golf games every quarter across the finest courses in the world
- Unlimited airport lounge access worldwide for both primary and add-on user
Both HDFC Diners Club Black and HDFC Infinia, offer similar range of benefits and same reward rate across all spends. However, in comparison to Infinia that is offered only on invitation, Diners Club Black can be a more accessible option for the consumers who want all-round benefits and want to own a single credit card. The multiple redemption options, up to 1:1 reward redemption, travel benefits around lounge access and low forex markup fee of 2% make it a suitable choice for frequent travellers. Additionally, it offers direct access to airport lounges when you present the card at the Diners Club Lounge, unlike Infinia, which requires a Priority Pass membership.
Explore Credit Cards in India to find the best match to maximise your savings.
3. Marriott Bonvoy HDFC Credit Card
Best Suited For: Co-branded Hotel Benefits
Joining/ Annual Fee: Rs. 3,000
Key Features & Benefits
- 8 Marriott Bonvoy points per Rs. 150 spent at hotels participating in Marriott Bonvoy
- 4 Marriott Bonvoy points per Rs. 150 spent on travel, dining & entertainment
- 2 Marriott Bonvoy points per Rs. 150 spent on all other applicable purchases
- 12 complimentary international & 12 complimentary domestic lounge visits every year
- Up to 3 free Night Awards on spending Rs. 6 Lakh, Rs. 9 Lakh and Rs. 15 Lakh in a year
- 2 complimentary golf access per quarter across the world
- 1 Free Night Award, complimentary Marriott Bonvoy Silver Elite Status and 10 Elite Night Credits as joining and renewal benefits
With accelerated rewards on the partnered hotels and redemption circling back, Marriott Bonvoy HDFC Card is primarily suitable for Marriott loyalists. Apart from the rewards, milestone and activation benefits are two other strong benefits on this card, but again, they are limited to Marriott hotel bookings. Due to these restricted co-branded features and not many benefits in other categories, the milestones may be difficult to meet for some consumers, especially those who own other premium credit cards. Having said that, those who travel frequently and stay at Marriott properties several times a year may be able to make the most of this credit card.
4. HDFC Regalia Gold Credit Card
Best Suited For: Shopping & Travel Benefits
Joining/ Annual Fee: Rs. 2,500
Key Features & Benefits
- Complimentary Swiggy One & MMT Black Elite memberships and gift voucher worth Rs. 2,500 on payment of joining fee
- 4 reward points on every Rs. 150 spent
- 20 reward points on every Rs. 150 spent at Nykaa, Marks & Spencer and Reliance Digital
- Complimentary Priority Pass Membership on completing 4 retail transaction on the card
- Up to 6 complimentary international lounge visits per year
- 12 complimentary domestic lounge visits in a year
- Milestone benefits worth Rs. 1,500 on spending Rs. 1.5 Lakh in a quarter
- Flight vouchers worth Rs. 5,000 on spending Rs. 5 Lakh in a year
- Additional Rs. 5,000 flight voucher on spending Rs. 7.5 Lakh in a year
HDFC Regalia Gold is an advanced version of the popular card, HDFC Regalia. The Gold variant can be the right choice for you if you are a high spender and want to earn rewards on all your spends. It offers accelerated earnings on some brands, with the option to redeem the accumulated rewards against the Exclusive Gold Catalogue, inclusive of premium brands. Also, flight vouchers of up to Rs. 10,000 enhance the card’s overall value for frequent travellers. This card is a suitable option for consumers seeking an all-rounder credit card with a moderate annual fee.
5. HDFC Millennia Credit Card
Best Suited For: Online Shopping at Partner Brands
Joining/ Annual Fee: Rs. 1,000
Key Features & Benefits
- 5% cashback on popular brands, including Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato:
- 1% cashback on other spends
- 1,000 bonus CashPoints on the payment of joining fee
- 1 complimentary lounge access OR a voucher worth Rs. 1,000 from the list of associated brands on spending Rs. 1 Lakh in a quarter
- Up to 20% savings on dining bills via Swiggy Dineout
HDFC Millennia Credit Card is a good choice for consumers who frequently spend online at everyday brands, such as Amazon, Mynta, Zomato, BookMyShow, and more. The card offers 5% cashback on multiple popular brands, covering major day-to-day categories, including shopping, dining, entertainment, travel, and more. Also, additional benefits like bonus rewards, up to 20% dining discount, and complimentary lounge access/voucher of top brand, add to the card’s overall value. However, one thing to note is that the card offers value-back in the form of CashPoints, which can be redeemed against cashback at a 1:1 ratio.
6. HDFC MoneyBack+ Credit Card
Best Suited For: Online Shopping & UPI Spends
Joining/ Annual Fee: Rs. 500
Key Features & Benefits
- 20 CashPoints per Rs. 150 spent on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore and BigBasket
- 2 CashPoints per Rs. 150 spent on other categories, including UPI spends
- 500 CashPoints on payment of joining & renewal fee
- Gift voucher worth Rs. 500 on spending Rs. 50,000 or more in a quarter
- Up to 20% off on dining at partner restaurants via Swiggy Dineout
HDFC MoneyBack+ can be clearly called an entry-level credit card with good reward benefits. Cardholders can earn 10X reward points across leading brands like BigBasket, Amazon, Reliance, Swiggy, and Flipkart, making it a suitable option for everyday spends. Besides this, bonus CashPoints at the time of joining & renewal, a gift voucher worth Rs. 500, and up to 20% dining discount enhance the card’s value. Overall, consumers looking for an entry-level card with decent value-back on online spends, along with UPI transactions, can consider this card.
7. Swiggy HDFC Credit Card
Best Suited For: Co-branded Benefits on Swiggy
Joining/ Annual Fee: Rs. 500
Key Features & Benefits
- 10% cashback on Swiggy app for transactions related to food ordering, Instamart, Dineout and Genie
- 5% cashback on online spends at partner merchants across various categories
- 1% cashback on other spends
- Complimentary 3 months Swiggy One Membership on card activation
- 4 complimentary rounds of green fees and 12 free golf lessons/sessions with 50% off on green fee beyond complimentary sessions for users with Mastercard variant.
Swiggy HDFC is a co-branded credit card designed to offer accelerated benefits on all spends at Swiggy, including Instamart, Dineout, and Genie, making it a suitable option for dining as well as everyday spends. Besides this, cardholders can also earn accelerated (5%) on online spends across various categories and 1% cashback on other spends. For an annual fee of Rs. 500, Swiggy HDFC Bank Credit Card punches above its weight with benefits like complimentary membership, accelerated cashback, and complimentary golf games. The card is a good option for consumers who frequently spend a significant amount on Swiggy and its platforms.
8. 6E Rewards XL Indigo HDFC Credit Card
Best Suited For: Co-branded Travel Benefits with IndiGo
Joining/ Annual Fee: Rs. 1,500
Key Features & Benefits
- Low forex markup fee of 2.5%
- 5 6E Rewards per Rs. 100 spent on IndiGo website or mobile app
- 3 6E Rewards per Rs. 100 spent on dining, grocery, and entertainment spends
- 2 6E Rewards per Rs. 100 for all other retail spends
- 8 complimentary domestic lounge visits in a year
- 1 complimentary flight ticket voucher worth Rs. 3,000 on making minimum 3 transactions in each of the first 3 months of card issuance
- 1 complimentary 6E Prime add-on worth Rs. 1,099 for priority check in, choice of seat, complimentary meal, etc. as welcome benefit
6E Rewards XL IndiGo HDFC Bank Credit Card is the right pick for consumers who frequently travel and prefer IndiGo airlines over others. Apart from the accelerated rewards on IndiGo spends, the card also offers accelerated rewards on groceries and bill payments, allowing consumers to save on day-to-day expenses as well. However, the value-back is offered in the form of 6E rewards, which are only redeemable against IndiGo flight bookings and 6E add-on services at a ratio of 1:1. IndiGo loyalists looking for a card with decent value-back on travel as well as everyday spends can consider this card However if you are not ready to pay an annual fee ofRs. 1,500, you can also consider the base variant- 6E Rewards IndiGo HDFC Bank Credit Card.
9. IRCTC HDFC Bank Credit Card
Best Suited For: Co-branded Travel Benefits with IRCTC
Joining/ Annual Fee: Rs. 500
Key Features & Benefits
- Gift voucher worth Rs. 500 as card activation benefit
- 5 reward points on every Rs. 100 spent on Rail Connect app and IRCTC website
- 1 reward point on every Rs. 100 spent on other categories
- Additional 5% cashback on booking IRCTC train tickets via SmartBuy
- 1% transaction charge waiver on IRCTC website and app
- 8 complimentary lounge access in a year to select IRCTC Executive Lounges per year
- Gift voucher worth Rs. 500 on spending Rs. 30,000 every quarter
IRCTC HDFC Bank is a co-branded credit card designed for consumers who frequently travel via train. Cardholders can earn accelerated rewards on IRCTC bookings along with an additional 5% cashback (if booked via SmartBuy), enhancing the card’s overall value-back to 10%. Though the rewards offered across non-IRCTC spends are limited, the spends on railways are highly rewarding with reward points, additional cashback on IRCTC, and access to railway lounges. Thus, frequent train travellers can save a significant amount on their travel expenses with this card.
10. IndianOil HDFC Credit Card
Best Suited For: Fuel Spends at IndianOil
Joining/ Annual Fee: Rs. 500
Key Features & Benefits
- 5% fuel points at IndianOil outlets
- 5% fuel points on groceries and bill payments
- 1 fuel point for every Rs. 150 spent on other categories, including UPI transactions
- 1% fuel surcharge waiver on minimum transaction of Rs. 400, capped at Rs. 250 per month
- Complimentary IndianOil XTRAREWARDSTM Program (IXRP) Membership
IndianOil HDFC Bank is a co-branded fuel credit card offering accelerated rewards on fuel spends at IndianOil. Cardholders can also earn accelerated rewards on everyday categories, including groceries and bill payments, which adds to the card’s value-back structure. Overall, the benefits offered on this card are satisfactory, as you can earn rewards and save, not only on fuel but across grocery and bill payments as well. However, the benefits can be utilized well only if you are an IndianOil loyalist.
