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HDFC Bank INFINIA Metal Credit Card Apply Now	HDFC Bank Diners Club Premium Credit Card Apply Now	HDFC Bank Regalia Credit Card Apply Now	HDFC Bank Millennia Credit Card Apply Now	HDFC Bank Freedom Credit Card Apply Now
Joining Fee Rs. 12,500 + GST	Joining Fee Rs. 2,500 + GST	Joining Fee Rs. 2,500 + GST	Joining Fee Rs. 1,000 + GST	Joining Fee Rs. 500 + GST
Rewards and Benefits
Welcome Benefits Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.	Welcome Benefits 2,500 bonus Reward Points	Welcome Benefits 2,500 bonus Reward points	Welcome Benefits 1,000 CashPoints as a Welcome Benefit.	Welcome Benefits 500 CashPoints
Rewards Rate 5 Reward Points on every retail spend of Rs. 150, reward rate of up to 3.3%	Rewards Rate 4 Reward Points on every retail spend of Rs. 150. Savings of up to 1.3% on all your spends through this card	Rewards Rate 4 reward points every time one spends Rs. 150.	Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)	Rewards Rate Get 1 CashPoint for every Rs. 150 spent on all purchases, earn 5x CashPoints on EMI transactions at merchant outlets, and 10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, Uber, and more.
Movie & Dining 1 + 1 Complimentary Buffet at ITC Hotels and 15% off With Swiggy Dineout	Movie & Dining N/A	Movie & Dining Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.	Movie & Dining Up to 20% discount at partner restaurants with complimentary Swiggy Dineout	Movie & Dining Up to 20% off via Swiggy Dineout
Reward Redemption RPs can be redeemed for flight and hotel bookings via SmartBuy (1 RP = Re. 1), Airmiles through net banking (1 RP = 1 Airmile), products and vouchers via net banking or SmartBuy (1 RP = Rs. 0.50), Apple and Tanishq vouchers (1 RP = Re. 1) cashback (1 RP = Rs. 0.30)	Reward Redemption You can redeem reward points against air tickets, and for AirMiles across Singapore Airlines, Air India, and Jet Airways at a rate of 1 RP = 0.50 Air Miles. 1 RP = Rs. 0.50 for redemption against Flight/Hotel bookings through Smartbuy, 1 RP = up to Rs. 0.35 for redemption against products & vouchers, and 1 RP = Rs. 0.20 for CashBack	Reward Redemption 1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.	Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.	Reward Redemption 1 CashPoint = Re. 0.15 for redemption on SmartBuy or cashback.
Travel Complimentary Priority Pass Membership	Travel 6 Complimentary lounge access at more than 1,000 airports lounges globally	Travel Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.	Travel 4 complimentary airport lounge access every year, 1 per quarter	Travel N/A
Golf Unlimited complimentary golf games at leading golf courses across India and abroad. Unlimited golf coaching at multiple golf courses across India	Golf N/A	Golf N/A	Golf N/A	Golf N/A
Domestic Lounge Unlimited Free Domestic Airport Lounge Access	Domestic Lounge Up to 6 domestic airport lounge access every year	Domestic Lounge 8 free airport lounge access per year within India.	Domestic Lounge 1 Domestic Airport Lounge Access Every Quarter (4 Each Year)	Domestic Lounge N/A
International Lounge Unlimited free access to international lounges across the globe for the primary cardmember and all add-on cardholders.	International Lounge Up to 6 international airport lounge access every year	International Lounge 6 airport lounge access every year outside India through the Priority Pass.	International Lounge N/A	International Lounge N/A
Insurance Benefits Insurance cover worth Rs. 3 crores against accidental air death, a cover worth Rs. 50 lakh against medical emergencies during international air travel, and credit shield cover worth Rs. 9 lakh	Insurance Benefits Insurance cover of Rs. 1 Crore for an air accident, coverage worth Rs. 25 lakhs for emergency hospitalization, and a cover worth Rs. 50,000 for baggage delay	Insurance Benefits Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.	Insurance Benefits N/A	Insurance Benefits N/A
Zero Liability Protection In case the card is lost, if you report the same within 24 hours, you have zero cost liability on any fraudulent transaction made with your credit card. Bank not liable for any fraudulent transaction made prior to the time of reporting.	Zero Liability Protection The cardholder will not be liable for any fraudulent transaction done through his/her lost/stolen credit card if reported to the bank within 24 hours of the loss	Zero Liability Protection You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.	Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.	Zero Liability Protection Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of the card to the bank.
Fees & Charges

Renewal Fee Rs. 12,500 + GST	Renewal Fee Rs. 2,500 + GST	Renewal Fee Rs. 2,500 + GST	Renewal Fee Rs. 1,000 + GST	Renewal Fee Rs. 500 + GST
Spend Based Waiver Get renewal fee waived by spending Rs. 10 lakh in the previous year.	Spend Based Waiver Renewal fee waived off for this card on spending over Rs. 3 lakhs within one anniversary year	Spend Based Waiver Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.	Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.	Spend Based Waiver Rs. 50,000 spent in the previous year
Rewards Redemption Fee Nil	Rewards Redemption Fee Rs. 99 (plus applicable taxes)	Rewards Redemption Fee Rs 99 (plus applicable taxes)	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup 2% of the total transaction amount + taxes	Foreign Currency Markup 2% on all foreign currency transactions (plus applicable taxes)	Foreign Currency Markup 2% on all foreign currency transactions.	Foreign Currency Markup 3.5% (plus applicable taxes)	Foreign Currency Markup 3.5% on the conversion amount (plus applicable taxes)
Interest Rates 1.99% per month or 23.8% annualized	Interest Rates 3.6% per month (or 43.2% annually)	Interest Rates 3.6% per month or 43.2% annually	Interest Rates 3.6% per month (or 43.2% per annum)	Interest Rates 3.6% per month (or 43.2% per annum), 0.99% for the first 90 days.
Fuel Surcharge 1% fuel surcharge waiver up to Rs. 1,000 each month	Fuel Surcharge 1% fuel surcharge waived off on all fuel transactions between Rs. 400 to Rs. 5,000	Fuel Surcharge 1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.	Fuel Surcharge 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.	Fuel Surcharge 1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000
Cash Advance Charges NIL (Interests charges applicable)	Cash Advance Charges 2.5% of the cash amount withdrawn or Rs. 500 (whichever is higher)	Cash Advance Charges 2.5% of the transaction amount or Rs. 500 (whichever is higher)	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500	Cash Advance Charges 2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500)
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

HDFC Bank INFINIA Metal Credit Card

HDFC Bank Diners Club Premium Credit Card

HDFC Bank Regalia Credit Card

HDFC Bank Millennia Credit Card

HDFC Bank Freedom Credit Card

Rewards and Benefits

Fees & Charges

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