India’s largest private sector bank, HDFC is among the most trusted credit card issuers in the nation. It is difficult to classify any single card by HDFC as the best because they offer multiple cards keeping in mind individuals from different income segments, spending behaviours, and requirements in mind. Every person can find an HDFC credit card that suits their needs across all categories.
Here are the best HDFC credit cards across different categories that you can consider getting –

Super Premium – Super premium cards are exclusively meant for wealthy businessmen and high net-worth individuals who prefer a lavish, luxury lifestyle. The HDFC Bank Infinia Metal Edition Card is the bank’s most premium offering and comes with a Rs. 12,500 annual fee. It is an exclusive invite-only card and provides a handsome 5 reward points on every Rs. 150 spent with the card. You get other high-quality privileges like 24x7 concierge service, golf rounds, complimentary lounge access, etc. The HDFC Diners Club Black is another super premium card you can consider.
Lifestyle – Lifestyle credit cards provide all-rounder benefits across categories like travel, movies, dining, etc. along with a high reward rate. The HDFC Bank Regalia is a great lifestyle credit card available at a joining fee of Rs. 2500 and provides 4 reward points on every Rs. 150 spent. It is quite affordable as compared to super-premium cards yet offers benefits like lounge access, exclusive movie and dining benefits, low forex markup fee, etc.
Travel – For frequent traveller, travel-based cards are the best as they get reward points that can be redeemed for flight/hotel ticket bookings, and much more. The co-branded Indigo 6E Rewards XL Credit Card offers 5% rewards on spends made on Indigo website, 3% on dining and grocery, and 2% on other spends. Complimentary airport lounge access and other exclusive travel privileges make this card the best travel credit card by HDFC.
Cashback – Many people get a credit card for the sole reason of cashback and if that’s the case, the HDFC Bank Millennia credit card is the right choice for you. The card is perfect for millennials and comes at an annual fee of Rs. 1000. This card offers 2.5% cashback on popular online merchants, 1% cashback on other transactions, and other travel, movie, dining, and other benefits. The HDFC Moneyback Plus is another great cashback card by the bank.
Fuel – For those who drive their vehicles a lot and have to refuel in short time periods should consider getting a fuel credit card. The IndianOil HDFC Bank card gives you fuel points as rewards and you can earn around 50 litres of fuel per year with the card. It comes at a nominal annual fee of Rs. 500 per year offering 5% fuel points on fuel spends and 1% points on other spends with the card.
Entertainment – Entertainment credit cards are ideal for those who regularly go out to eat or go to the movies frequently. The HDFC Platinum Times Card comes at a Rs. 1000 annual fee offering 3 Reward points on spending Rs. 150 and 10 Reward points on weekday dining spends. You also get 25% off on movie tickets up to Rs. 250 via BookMyShow along with other cool benefits.
Therefore, there is no single credit card offered by HDFC Bank that can be described as the best. Keeping in mind the needs and spending patterns of different segments of individuals, the bank issues cards across different categories. Make sure you choose the best credit card based on the category you want to go for and reap exciting rewards and offers.