HDFC Bank is India’s largest private sector bank, known for its ability to break boundaries and set new records. With a wide range of innovative products, including rewarding credit cards, the bank has now become India’s first bank to cross over 2 crore credit card users. This milestone is noteworthy since HDFC Bank was one of the last major banks to issue credit cards compared to SBI or ICICI, which began issuing cards way before.

Currently, HDFC Bank holds over 28% of the credit card market share in India, making it the largest issuer in the country. Since its entry into the Indian credit card market in 2001, HDFC Bank has introduced many cards that have intrigued and attracted customers, whether it’s the invite-only Infinia or the super-premium DCB. It is no wonder that the bank has now emerged as the sole issuer with such a large share of the Indian market.

HDFC Bank Surpasses 2 Crore Credit Cards

Top 5 HDFC Bank Credit Cards

HDFC Bank Credit Cards are popular due to their generous rewards and recurring offers. Let us have a look at some of the most popular and sought-after credit cards offered by HDFC Bank.

HDFC Bank Millennia Credit Card

(A card for youngsters)

  • Joining/renewal fee at Rs. 1,000 + GST.
  • 1,000 CashPoints as a welcome benefit.
  • A cashback of 5% on partner online merchants- Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
  • Up to 20% discount at partner restaurants with Swiggy Dineout.

HDFC Bank Regalia Gold Credit Card

(Premium credit card)

  • Joining/renewal fee at Rs. 2,500 + GST.
  • Get 4 Reward Points on every spend of Rs. 150 on retail, including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencer, Nykaa, and Reliance Digital.
  • Gift vouchers on achieving milestone benefits.
  • Free international and domestic lounge access is provided.

Tata Neu Infinity HDFC Bank Credit Card

(Best co-branded credit card)

  • Joining/renewal fee at Rs. 1,499 + GST.
  • 1,499 bonus Neu Coins as a welcome benefit.
  • Renewal fee waiver on spends of Rs. 3 lakh in a year.
  • 8 free domestic and 4 international lounge visits with the Infinity Credit Card.
  • Insurance benefits are offered along with the card.

HDFC Bank Diners Club Black Metal Edition Credit Card

(Elegant and luxurious)

  • Joining/renewal fee at Rs. 10,000 + GST.
  • Earn 5 reward points on spends of Rs. 150 and get 10 times reward points on spends made on Smart Buy.
  • Upon spending Rs. 1.5 lakh within 90 days of card issuance, you will receive complimentary memberships of Club Marriott, Swiggy One, and Amazon Prime.
  • Complimentary unlimited international and domestic lounge access.

Swiggy HDFC Bank Credit Card

(Best credit card for foodies)

  • Joining/renewal fee at Rs. 500 + GST.
  • Complimentary 3-month Swiggy One membership as a welcome benefit.
  • Get 10% cashback on Swiggy orders, 5% cashback on online transactions, and 1% cashback on other categories.
  • Renewal fee waiver on spending Rs. 2 lakh in a year.

Bottom Line

Achieving the new heights of over 2 crores (20 million) credit card users is a testament to the fact that the lucrative discounts and innovative offerings by HDFC Bank have retained and attracted many customers. Individuals opt for HDFC Bank credit cards for various reasons, one of which is the discounts they get on popular brands. SmartBuy is one such platform where individuals can save more while shopping with their HDFC Bank credit card.

HDFC Bank has achieved great success with its rewarding structure, diverse fee plans, and festive offers. Are you currently an HDFC Bank Credit Cardholder or considering applying for one? Share your views on HDFC Credit Cards in the comments section below.

1 Comment

  1. Kajal Reply

    I believe HDFC to be one of the most decent and reasonable banks for credit cards.

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