Best HDFC Credit Cards for 2026

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.

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

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

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

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

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

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

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

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

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

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

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.