By Ankur Mittal
Updated On September 20, 2021

HDFC Bank is India’s largest private sector bank in terms of assets and market capitalization. Mumbai-based financial services company Housing Development Finance Corporation (HDFC) owns a 24.16% stake in the HDFC bank. With 1,49,19,419 active credit cards (as of April 2021), it is also the largest credit card issuer in the country. From rewards and cashback cards to shopping and travel cards, HDFC bank has all categories of cards in its portfolio.

The bank currently offers over 50 credit cards (including business and corporate cards). Recently though, HDFC bank has been involved in a few controversies, primarily due to its poor IT infrastructure. The bank’s internet banking and mobile banking services were hit by frequent outages, and the situation doesn’t seem to be improving either. Citing its poor IT infrastructure, RBI in December 2020 imposed a moratorium and prohibited the bank from onboarding new credit card customers.  RBI has once again allowed HDFC Bank to onboard new credit card customers w.e.f. 18th August 2021. Currently, the bank is said to be in conversation with fintech firms in an attempt to improve its IT infrastructure.

Here is a list of some of the popular HDFC Bank credit cards-

HDFC Bank Infinia Credit Card

Welcome Benefits

10,000 bonus Reward Points and Complimentary Club Marriott membership for first year.

Rewards Rate

5 Reward Points for every Rs. 150 spent,  reward rate of up to 3.3%

Best Suited For

Travel | Dining |

Movie & Dining

Exclusive dining benefits with the Good Food Trail Program and complimentary Club Marriott membership.

Reward Redemption

Exclusive dining benefits with the Good Food Trail Program and complimentary Club Marriott membership.

Joining Fees

Rs. 10,000 (plus applicable taxes)

Product Details

  • 1 year complimentary Club Marriott membership.
  • 10,000 Reward Points as a Welcome Benefit.
  • Unlimited airport lounge access across the globe for both primary and add-on cardholders.
  • 5 Reward Points for every Rs. 150 spent (except fuel transactions).
  • 24×7 global concierge service.
  • Unlimited golf games at leading golf destinations in India and abroad.
  • Low foreign currency markup of 2%.
  • Dining benefits with Good Food Trail program.
  • 1% fuel surcharge waiver at all fuel stations across India.

See additional details for HDFC Bank Infinia Credit Card

HDFC Bank Diners Club Black Credit Card

Welcome Benefits

Complimentary Club Marriott, Amazon Prime, Zomato Gold, Forbes, Times Prime, and MMTDOUBLEBLACK memberships for a year.

Rewards Rate

5 Reward Points for every Rs. 150 spent (reward rate of up to 3.3%), accelerated Reward Points on SmartBuy

Best Suited For

Travel | Dining | Shopping |

Movie & Dining

2X Reward Points on weekend dining, complimentary annual membership of Zomato Gold.

Reward Redemption

2X Reward Points on weekend dining, complimentary annual membership of Zomato Gold.

Joining Fees

Rs. 10,000 (plus applicable taxes)

Product Details

  • Complimentary annual membership of subscription platforms like Amazon Prime, Zomato Gold, Times Prime, etc, as a Welcome Benefit. These memberships are renewed on the expenditure of Rs. 8,00,000 in the anniversary year with HDFC Bank Diners Club Black credit card.
  • Complimentary Ola Select, TataCliQ, BookMyShow, and cure.fit Live vouchers on spends of over Rs. 80,000 every month.
  • 5 Reward Points for every Rs. 150 spent (Reward Rate = 3.3%).
  • 10X Reward Points on select brands.
  • 2X Reward Points on weekend dining.
  • 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.
  • Low foreign currency markup fee of 1.99%.
  • Unlimited lounge access at 1,000 plus airport lounges in India and abroad.
  • Travel insurance benefits including an air accident cover worth Rs. 2 crore.

See additional details for HDFC Bank Diners Club Black Credit Card

HDFC Bank Regalia Credit Card

Welcome Benefits

2,500 Reward points

Rewards Rate

4 reward points on every spend of Rs. 150.

Best Suited For

Travel | Shopping |

Movie & Dining

Exclusive dine-out passport membership, 5% off additionally, and early access to several events and festivals.

Reward Redemption

Exclusive dine-out passport membership, 5% off additionally, and early access to several events and festivals.

Joining Fees

Rs. 2,500 (plus applicable taxes)

Product Details

  • Welcome bonus of 2,500 Reward Points.
  • 4 Reward Points on every Rs. 150 you spend.
  • Earn a total of 15,000 bonus Reward Points on spending Rs. 8 lakhs in an anniversary year.
  • Complimentary Dineout Passport Membership with your HDFC Bank Regalia Credit Card.
  • Complimentary Priority Pass membership.
  • 6 complimentary Airport Lounge Access outside India and 12 within India.
  • Low foreign currency markup fee of 2%.
  • Renewal fee waived off on spending over 3 lakhs in the previous year​​​​​​.
  • Travel insurance benefit in case air accident worth up to Rs. 1 crore.

See additional details for HDFC Bank Regalia Credit Card

HDFC Bank Diners Club Premium Credit Card

Welcome Benefits

2,500 bonus Reward Points

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

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 2,500 (plus applicable taxes)

Product Details

  • Get a welcome benefit of 2,500 bonus Reward Points.
  • Get 4 Reward Points for every Rs. 150 spent on retail purchases using your HDFC Bank Diners Club Premium Credit Card.
  • The earned Reward Points can be redeemed against flight/hotel bookings across 150+ airlines.
  • Up to 6 complimentary lounge access every year to over 1000 airport lounges all across the world.
  • Exclusive insurance benefits.
  • 1% fuel surcharge waiver.
  • Get your renewal fee waived on the basis of your spends.

See additional details for HDFC Bank Diners Club Premium Credit Card

HDFC Bank Millennia Credit Card

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

Rewards Rate

2.5% CashBack on online transactions and 1% CashBack on offline transactions

Best Suited For

Shopping |

Movie & Dining

You get a complimentary Dine out passport membership for three months and 5% off additionally.

Reward Redemption

You get a complimentary Dine out passport membership for three months and 5% off additionally.

Joining Fees

Rs. 1,000 (plus applicable taxes)

Product Details

  • 1,000 CashPoints as Welcome Benefit on HDFC Millennia credit card.
  • 5% CashBack on partner websites (Amazon, Flipkart and BigBasket ) and 2.5% CashBack on all other online transactions.
  • 5% CashBack on hotel/flight bookings on payment using PayZapp or SmartBuy app.
  • 1% CashBack on offline stores on payment using HDFC Bank Millennia Credit Card.
  • Complimentary Dineout passport membership for first three months.
  • Lounge access at all domestic airports across India and outside.
  • Joining fee is waived on expenditure of a minimum of Rs. 30,000 in the first three months.
  • Renewal fee is waived if Rs. 1,00,000 were spent in the previous year.

See additional details for HDFC Bank Millennia Credit Card

HDFC Diners Club Privilege Credit Card

Welcome Benefits

Complimentary membership of Amazon Prime, Big Basket Star, MakeMyTrip Black Elite Tier, Zomato Pro, Times Prime Smart with HDFC Diners Club Privilege credit card

Rewards Rate

4 Reward Points on every Rs 150 spent, reward rate of up to 1.33%

Best Suited For

Travel |

Movie & Dining

Complimentary Dineout passport membership for three months and Complimentary subscription to Zomato Pro valid for 12 months.

Reward Redemption

Complimentary Dineout passport membership for three months and Complimentary subscription to Zomato Pro valid for 12 months.

Joining Fees

Rs. 2,500 (plus applicable taxes)

Product Details

  • Get Complimentary Membership of Zomato Pro, Amazon Prime, Times Prime Smart, Big Basket Star, MMT Black Tier membership as a welcome benefit.
  • 2x Reward Points on weekend dining and 4 Reward Points on every Rs 150 spent with your HDFC Bank Diners Club Privilege Credit card.
  • 8 Complimentary Golf games at select Golf courses in India and abroad.
  • 12 Complimentary Lounge visits both India and abroad
  • Low Foreign Markup charges of 1.99%
  • Zero Protection Liability Cover of Rs 9 lac
  • Insurance Cover worth up to Rs 1 crore in case of an Air Accident.

See additional details for HDFC Diners Club Privilege Credit Card

HDFC Bank Diners Club Rewardz Credit Card

Welcome Benefits

1,000 Reward Points

Rewards Rate

3 Reward points per Rs. 150 spent and 10X on shopping through partner brands.

Best Suited For

Travel |

Movie & Dining

Complimentary Dineout passport membership for 3 months and 5% off additionally on dining.

Reward Redemption

Complimentary Dineout passport membership for 3 months and 5% off additionally on dining.

Joining Fees

Rs. 1,000 (plus applicable taxes)

Product Details

  • Get 3 Reward Points on every Rs. 150 you spend.
  • Get 10x Reward Points on shopping through partner brands.
  • Get 1000 bonus Reward Points as a welcome gift from the HDFC Diners Club Rewardz Credit Card.
  • Redeem your earned Reward Points against flight/hotel bookings, Air Miles, or several other products.
  • Renewal Bonus of 1000 Reward Points every year.
  • Get your renewal fee waived off based on your spends.
  • Get a 1% fuel surcharge waiver.
  • Get 24*7 concierge services.

See additional details for HDFC Bank Diners Club Rewardz Credit Card

6E Rewards XL Indigo HDFC Bank Credit Card

Welcome Benefits

1 Complimentary 6E Prime Add-On, 1 complimentary air ticket worth Rs. 3,000, Welcome vouchers from merchants like Nissin Noddles, Budweiser worth Rs. 250 each and Samsonite-or American Tourister worth Rs. 500.

Rewards Rate

5% 6E Rewards on IndiGo, 3% 6E Rewards on dining, grocery and entertainment, and 2% 6E Rewards on all other spends.

Best Suited For

Travel |

Movie & Dining

3% 6E Rewards on Dining spends, discount at premium restaurants across major cities under the Good Food Trail Dining Program, 10% off additionally.

Reward Redemption

3% 6E Rewards on Dining spends, discount at premium restaurants across major cities under the Good Food Trail Dining Program, 10% off additionally.

Joining Fees

Rs. 2,500 plus applicable taxes (zero fee variant also available as a limited period offer)

Product Details

  • 1 Complimentary 6E Prime Add-On as a Welcome Benefit (Priority check-in, choice of seat, a complimentary meal & quicker baggage).
  • 1 complimentary IndiGo air ticket (worth Rs. 3,000) on making 3 or more transactions in each of the first three months of card issuance (provided that the annual fee of Rs. 2,500 is realized).
  • Welcome gift vouchers from merchants like Nissin Noddles, Budweiser (worth Rs. 250 each), and Samsonite-or American Tourister (worth Rs. 500).
  • Reward Points as IndiGo 6E Rewards.
  • 5% 6E Rewards on IndiGo.
  • 3% 6E Rewards on dining, grocery, and entertainment spends.
  • 2% 6E Rewards on all other spends.
  • Up to 15% 6E Rewards on IndiGo featured partners.
  • Discounted Convenience Fee on IndiGo tickets (discount of Rs.100 per passenger).
  • 8 Complimentary Domestic Lounge Access per calendar year (2 per quarter) under the MasterCard Lounge Program.

Welcome Benefits

You get 1 complimentary 6E Prime add-on, and gift vouchers from American Tourister, Nissin Noddles, and Budweiser, free air ticket worth Rs. 1,500 (Welcome Benefits applicable only for the paid variant)

Rewards Rate

1% 6E Rewards on all your spends. 2% 6E Rewards on dining, groceries, and entertainment, and 2.5% 6E Rewards on IndiGo ticket bookings.

Best Suited For

Travel |

Movie & Dining

Exciting discount offers on dining through the Good Food Trail Dining Program.

Reward Redemption

Exciting discount offers on dining through the Good Food Trail Dining Program.

Joining Fees

Rs. 700 plus applicable taxes (free variant also available as a limited period offer)

Product Details

  • Get 2.5% 6E Rewards on IndiGo ticket bookings using your 6E Rewards – IndiGo HDFC Bank Credit Card.
  • Get 2% 6E Rewards on Dining, Groceries, and Entertainment, and 1% 6E Rewards on all other spends.
  • Get up to 10% 6E Rewards on featured partners of IndiGo.
  • Welcome benefits of 1 complimentary 6E Prime Add-on.
  • Get 1 complimentary IndiGo air ticket worth Rs. 1,500 on making transactions in each of the first three months after your card set-up date.
  • Exciting dining benefits through the Good Food Trail Dining Program.

See additional details for 6E Rewards – IndiGo HDFC Bank Credit Card

Welcome Benefits

1,000 Reward Points on paying the annual membership fee

Rewards Rate

4 Reward Points on every spend of Rs. 150

Best Suited For

Travel | Shopping |

Movie & Dining

Special offers and discounts of up to 30% at more than 2,000 restaurants across India

Reward Redemption

Special offers and discounts of up to 30% at more than 2,000 restaurants across India

Joining Fees

Rs. 1,000 (plus applicable taxes)

Product Details

  • HDFC Bank Regalia First Credit Card comes with a joining fee of Rs. 1,000.
  • 1,000 Reward Points as a welcome bonus.
  • 4 Reward Points on every Rs 150 spent on retail purchases.
  • Complimentary airport lounge access worldwide with complimentary Priority Pass membership.
  • Air accident insurance worth Rs 50 lakhs.
  • Credit Liability cover worth up to Rs 5 lakhs.
  • Fuel surcharge waiver of 1% at all fuel stations across India.
  • 1,000 bonus Reward Points every year on paying the renewal fee.

See additional details for HDFC Bank Regalia First Credit Card

Welcome Benefits

1,000 Reward Points on paying the annual membership fee.

Rewards Rate

4 Reward Points on spending Rs. 150

Best Suited For

Travel |

Movie & Dining

15% discount and other offers on the finest restaurants across India.

Reward Redemption

15% discount and other offers on the finest restaurants across India.

Joining Fees

Rs. 1,000 (plus applicable taxes)

Product Details

  • HDFC Bank Diners Club Miles is offered at Rs. 1,000 + taxes.
  • Earn 1,000 Reward Points on paying the Annual Joining Fee.
  • Earn 4 Reward Points on every Rs. 150 spent on retail and other purchases.
  • Get 15% discounts and offers on Fine Dining and restaurants.
  • Complimentary Airport Lounge access worldwide.
  • Concierge benefits to cater to all your travel needs.
  • Air Accidental Insurance worth Rs. 1 Crore.
  • Credit Liability Cover worth up to Rs. 9 Lakhs.
  • Fuel Surcharge Waiver of 1% at all fuel stations across India.
  • Earn 1,000 bonus Reward Points on paying of Renewal Fee.

See additional details for HDFC Bank Diners Club Miles Credit Card

Welcome Benefits

N/A

Rewards Rate

5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%

Best Suited For

Fuel |

Movie & Dining

Save 2.5% on your dining bills.

Reward Redemption

Save 2.5% on your dining bills.

Joining Fees

Rs 500 (plus applicable taxes)

Product Details

  • Complimentary IndianOil XTRAREWARDS Program membership.
  • 1st-year membership fee waiver on spends of Rs 20,000 or above in the first 90 days with IndianOil HDFC Bank Credit Card.
  • Renewal fee waiver on annual spends of Rs 50,000 and above in the previous year.
  • 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments.
  • 1 Fuel Point on every Rs 150 spent on all other purchases.
  • Up to 50 liters of free fuel annually using an IndianOil HDFC Bank credit card.
  • Saving of 2.5% on dining.
  • Fuel surcharge of 1% waived on all fuel transactions at all fuel stations across India.

See additional details for IndianOil HDFC Bank Credit Card

Welcome Benefits

Earn up to 8,000 bonus Inter Miles on the basis of your spending as a welcome gift.
Exciting discount vouchers for Flight & Hotel bookings.

Rewards Rate

Get 6 Inter Miles for every retail spend of Rs. 150 and 2x InterMiles on hotel/flight bookings at intermiles.com.

Best Suited For

Travel |

Movie & Dining

You get exclusive Dine Out Passport membership with great dining offers.

Reward Redemption

You get exclusive Dine Out Passport membership with great dining offers.

Joining Fees

Rs. 2,500 (plus applicable taxes)

Product Details

  • Welcome benefit of up to 8,000 InterMiles.
  • 6 Inter Miles on every spend of Rs. 150 on retail purchases using your InterMiles HDFC Bank Signature Credit Card.
  • 2x Inter Miles on every spend of Rs. 150 on flight bookings on http://flights.intermiles.com.
  • 2x Inter Miles on every spend of Rs. 150 on hotel bookings on Interbook.intermiles.com.
  • Complimentary Priority Pass membership.
  • 16 complimentary domestic lounge visits per year
  • 5 free visits to International lounges every year through the Priority Pass.
  • Exclusive Dine out Passport membership.
  • The renewal fee is waived off on spending Rs. 3 lacs or more in the previous year.
  • 1% fuel surcharge waiver.

See additional details for InterMiles HDFC Bank Signature Credit Card

Welcome Benefits

Get InterMiles Gold membership for the first year and up to 25,000 bonus InterMiles.

Rewards Rate

8 InterMiles on every retail spend of Rs. 150, 16 InterMiles per Rs. 150 spent on flight/hotel bookings on intermiles.com

Best Suited For

Travel |

Movie & Dining

Complimentary Dineout Passport Membership and 15% off additionally.

Reward Redemption

Complimentary Dineout Passport Membership and 15% off additionally.

Joining Fees

Rs. 5,000 (plus applicable taxes)

Product Details

  • Complimentary Intermiles Gold membership for the first year.
  • An opportunity to earn up to 25,000 bonus intermiles as a welcome benefit.
  • Earn 10,000 bonus intermiles every year on spending Rs. 20,000 or more within the first 30 days after card renewal.
  • 8 InterMiles on every spend of Rs. 150 on retail spends using your InterMiles HDFC Bank Diners Club Credit Card.
  • 2x InterMiles on every spend of Rs. 150 on flight bookings through https://flights.intermiles.com, and on hotel bookings through Interbook.intermiles.com.
  • Exclusive discount offers on Etihad Airways Tickets.
  • Unlimited airport lounge access through the Domestic Lounge Program.
  • Complimentary Dineout Passport Membership.
  • Spend-based renewal fee waiver.

Welcome Benefits

Get 500 CashPoints as a welcome bonus.

Rewards Rate

2.5% cashback on all online purchases. 1% cashback on all offline purchases.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs. 500 (plus applicable taxes)

Product Details

  • A welcome bonus of 500 CashPoints.
  • A cashback of 5% on Amazon, Flipkart, Hotel, and Flight bookings on shopping through Payzapp using your HDFC Bank Easy EMI Credit Card.
  • A cashback of 2.5% on all online purchases, and 1% cash back on offline purchases.
  • All the spends of Rs. 10,000 or above are automatically converted to Easy EMI.
  • Spend-based waiver of joining fee and renewal fee.
  • 1% fuel surcharge waiver.
  • Gift-vouchers worth Rs. 1,000 on spending Rs. 1,00,000 or more in one calendar quarter.

See additional details for HDFC Bank Easy EMI Credit Card

Welcome Benefits

Get 500 Cash Points.

Rewards Rate

4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spent, reward rate of up to 0.67%.

Best Suited For

Travel | Dining | Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs 500 (plus applicable taxes)

Product Details

  • Enjoy 500 Cash Points as a Welcome Benefit with HDFC MoneyBack credit card
  • Get 4 Reward Points on every Rs 150 spent online, and 2 Reward Points on every other spend of Rs. 150.
  • Get a Gift voucher worth Rs 500 every calendar quarter on the spending of Rs 50,000.
  • Redeem your reward points against exciting rewards and offer on the Smartbuy rewards portal.
  • Spend Based Waiver on Annual fee.
  • 1% fuel surcharge waiver up to Rs. 250 per month.

See additional details for HDFC MoneyBack Credit Card

Welcome Benefits

Shopping, travel, dining, apparel gift vouchers

Rewards Rate

3 Reward Points on every spend of Rs 150

Best Suited For

Movies | Shopping |

Movie & Dining

Great deals and discounts on movies and dining at participating locations every year and instant Reward Points on dining during weekdays. You can get up to a 20% discount on dining at partner restaurants. Moreover, you also get 25% off on Movie Tickets booking on BookMyShow, and 10 Reward Points on every ₹150 spent on Dining spends on weekdays

Reward Redemption

Great deals and discounts on movies and dining at participating locations every year and instant Reward Points on dining during weekdays. You can get up to a 20% discount on dining at partner restaurants. Moreover, you also get 25% off on Movie Tickets booking on BookMyShow, and 10 Reward Points on every ₹150 spent on Dining spends on weekdays

Joining Fees

Rs. 1,000 (plus applicable taxes)

Product Details

  • Gift vouchers across shopping, dining and apparel, and many other categories.
  • 25% off on movie ticket bookings on BookMyShow (max discount of Rs. 350 per transaction).
  • Round the year offers and discounts on travel, shopping, dining and wellness categories at select partner merchants.
  • 3 Reward Points per Rs. 150 spent with the card.
  • Accelerated Reward Points (10 RPs per Rs. 150 spent) on dining spends on weekdays.

See additional details for HDFC Platinum Times Card

hdfc bank freedom credit card

Welcome Benefits

500 Reward Points as a welcome benefit

Rewards Rate

1 Reward Point per Rs. 150 spent with the card, 25X Reward Points on birthday spends, 10X Reward Points on PayZapp and SmartBuy spends, 5X Reward Points on dining, movies, groceries, railway and taxi spends

Best Suited For

Shopping |

Movie & Dining

5X Reward Points dining and movie spends

Reward Redemption

5X Reward Points dining and movie spends

Joining Fees

Rs. 500 (plus applicable taxes)

Product Details

  • Complimentary 500 Reward Points as a welcome benefit and every year the card membership is renewed.
  • Gift voucher worth Rs. 1,000 of the minimum annual expenditure of Rs. 90,000.
  • 25X Reward Points on birthday spends (maximum of 3000 bonus RPs).
  • 10X Reward Points on PayZapp and SmartBuy spends.
  • 5X Reward Points on spends on dining, movie, groceries, railway, and taxis.
  • 1 Reward Point per Rs. 150 on all other spends with the card.

See additional details for HDFC Bank Freedom Credit Card

HDFC Bank Titanium Times Credit Card

Welcome Benefits

Gift Vouchers across shopping, apparel, dining and many other categories as a welcome benefit

Rewards Rate

5 Reward Points per Rs. 150 on dining spends on weekdays, 2 Reward Points per Rs. 150 on all other spends

Best Suited For

Movies | Dining | Shopping |

Movie & Dining

Accelerated Reward Points (5 RPs/Rs. 150) on dining spends on weekdays, 25% off on movie tickets bookings on BookMyShow (max discount of Rs. 350 per transaction)

Reward Redemption

Accelerated Reward Points (5 RPs/Rs. 150) on dining spends on weekdays, 25% off on movie tickets bookings on BookMyShow (max discount of Rs. 350 per transaction)

Joining Fees

Rs. 500 (plus applicable taxes)

Product Details

  • Shopping, apparel and dining vouchers as a welcome gift.
  • Round the year discount at select dining, wellness, shopping and travel partners.
  • 5 Reward Points on every Rs. 150 spent on dining spends on weekdays.
  • 2 Reward Points on every Rs. 150 spent on this card.
  • 25% off (up to Rs. 350 per transaction) on movie tickets on BookMyShow.
  • Renewal fee waived off on expenditure of a minimum of Rs. 1.5 lakh in a year.

See additional details for HDFC Bank Titanium Times Card

Welcome Benefits

N/A

Rewards Rate

3 Reward Points per Rs. 150 spent and 6 Reward Points per Rs. 150 spent on shopping, mobile recharge, and hotel bookings.

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 1,000 (plus applicable taxes)

Product Details

  • You get 3 Reward Points for every Rs. 150 you spend using your HDFC Bank All Miles Credit Card.
  • You get 2x Reward Points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings.
  • Spend Rs. 15,000 in 3 months and get your joining fee waived off.
  • Spend Rs. 1 lakh or more in one year and get your renewal fee waived off.
  • Get a 1% fuel surcharge waiver.

See additional details for HDFC Bank All Miles Credit Card

Top 10 HDFC Bank Credit Cards:

Super Premium Cards:

HDFC’s Infinia and Diners Club Black are two of the best credit cards by HDFC Bank in the super-premium category.

Infinia Credit Card:

The Infinia credit card is the most premium offering by the bank. It is an invite-only card and offers premium benefits like a 24×7 concierge service, unlimited domestic and international lounge access, golf privilege and a lower foreign currency mark-up fee. As it is a reward points card, you earn 5 reward points for every Rs. 150 spent with the card. You have to pay an annual membership fee of Rs. 10,000 for this card.

Diners Club Black Credit Card:

After Infinia, the Diners Club Black credit card is the second most premium offering by the bank. This card also earns you 5 reward points for every Rs. 150 spent. You also get complimentary membership of some of the most popular subscription services like Amazon Prime and Zomato Pro with this card. The annual membership fee for this card is also Rs. 10,000/annum.

Lifestyle Credit Cards:

Regalia Credit Card:

The Regalia credit card is one of the most popular credit cards in HDFC’s credit card portfolio. Although it is not a super-premium card, you still get benefits like a 24×7 concierge service and a lower foreign currency mark-up fee. It is also a reward points-based credit card and earns you 4 reward points for every Rs. 150 spent using the card. The annual membership fee for the card is Rs. 2,500 per annum.

Diners Club Privilege Credit Card:

The Diners Club Privilege card is also a very popular lifestyle card by HDFC. You get complimentary membership of some of the popular subscription services like Amazon Prime, Zomato Pro, Times Prime, etc. This card also earns you 4 reward points for every Rs. 150 spent. You also get some premium benefits like a lower foreign currency mark-up fee and travel-related insurance benefits, including a personal air accident cover worth Rs. 1 crore.

Cashback Credit Card:

Millennia Credit Card:

The Millennia credit card by HDFC is one of the best cashback cards currently available in the market. It is tailored to the needs of the millennials. The card gives you 2.5% cashback on online shopping websites and a 1% cashback on offline spends. The membership fee of this card is Rs. 1,000 per annum.

Travel Credit Cards:

Indigo 6E Rewards XL Credit Card:

HDFC launched this card in collaboration with Indigo Airlines, which is the country’s largest and the most popular airline. You earn reward points as 6E Rewards- 5% on Indigo, 3% on grocery, dining and entertainment, and 2% on all other spends. Apart from this, you also get complimentary domestic lounge access with this credit card. These benefits make this card the card of choice for frequent domestic flyers. The annual membership fee for this card is Rs. 2,500.

InterMiles HDFC Bank Platinum Credit card:

This is another travel credit card by the HDFC bank. It comes with a nominal annual fee of Rs. 1,000 and offers you reward points as InterMiles. You earn 8 InterMiles for every Rs. 150 spent on the flights or hotels booked on the InterMiles portal and  4 InterMiles for every Rs. 150 spent on other retail spends.

Fuel Credit Card:

IndianOil HDFC Bank Credit Card:

This credit card earns you rewards as fuel points. You can earn up to 50 liters of free fuel annually with this card. This card earns you 5% fuel points on spends at Indian Oil outlets and on groceries purchases and bill payments and 1% fuel points on all other retail spends. The annual membership fee of this card is just Rs. 500.

EMI Credit Card:

EasyEMI Card:

As is obvious from the name, this credit card is especially for those who prefer to purchase products on EMIs. All transactions above Rs. 10,000 are automatically converted into EMIs for 9 months. You also get a cashback of 2.5% on online spends and 1% on offline spends. The annual fee for this cardi is Rs. 500.

Entertainment Credit Card:

Platinum Times Card:

This card is ideal for movie buffs and for those who love to dine out frequently. You can save up to Rs. 350 on movie ticket bookings with a discount of 25% on BookMyShow. This card earns you 3 reward points on every Rs. 150 and accelerated 10 reward points per Rs. 150 on dining spends on weekdays. The annual subscription fee for this card is Rs. 1,000.

Reward Points and Cashback Benefits:

The reward points or cashback that you earn on these top 10 HDFC bank credit cards are summarised in the table below:

Credit Card Reward Points / Cashback
Infinia Credit Card 5 Reward Points per Rs. 150
Diners Club Black Credit Card 5 Reward Points per Rs. 150
Regalia Credit Card 4 Reward Points per Rs. 150
Diners Club Privilege Credit Card 4 Reward Points per Rs. 150
Millennia Credit Card 2.5% cashback on online and 1% cashback on offline spends
6E Rewards XL - IndiGo Credit Card 6E Rewards- 5% on Indigo, 3% on grocery, dining and entertainment, and 2% on all other spends
InterMiles Platinum Credit card 8 InterMiles per Rs. 150 on the InterMiles portal and 4 InterMiles per Rs. 150 on all other retail spends.
IndianOil HDFC Bank Credit Card 5% Fuel Points on Indian Oil outlets and grocery spends and 1% fuel points on all other spends.
Easy EMI Credit Card Cashback of 2.5% on online spends and 1% on offline spends
Platinum Times Credit Card 3 Reward Points on every Rs. 150 and accelerated 10 reward points per Rs. 150 on dining spends on weekdays. A discount of 25% on BookMyShow ticket bookings.

HDFC SmartBuy:

SmartBuy is HDFC bank’s rewards aggregator portal, where you’ll find deals and offers that the bank offers in partnership with third-party merchants. You can also book hotel and flight tickets and purchase Instant Vouchers on SmartBuy. On most cards, you also get accelerated Reward Points/cashback when you book hotels/flights or shop on the SmartBuy portal. For the Infinia and the Diners Black credit cards, you get accelerate reward points as per the following table:

Spends Category Accelerated rate of earning Reward Points
Flights 10X RPs (50 RPs / Rs. 150)
Hotels 10X RPs (50 RPs / Rs. 150)
Bus 10X RPs (50 RPs / Rs. 150)
Rail 5X RPs (25 RPs / Rs. 150)
Instant Vouchers 10X RPs (50 RPs / Rs. 150)
Amazon 5X RPs (25 RPs / Rs. 150)
Flipkart 3X RPs (15 RPs / Rs. 150)

For all other credit and debit cards (with a few exceptions), you get bonanza cashback on the SmartBuy portal as per the chart below:

Spends Catagory Platform Cashback Bonanza Cashback Total Cashback
Flights 2.5% 2.5% 5%
Hotels 2.5% 2.5% 5%
Bus 2.5% 2.5% 5%
Rail 2.5% 2.5% 5%
Instant Vouchers 2.5% 2.5% 5%
Amazon 2.5% 2.5% 5%
Flipkart 1% Nil 1%

For more information on the extra reward points and cashback that you earn on the SmartBuy portal, you may refer to this post.

Apart from this, HDFC also runs a 3-day Extra Saving Days Sale almost every month on SmartBuy. Under this sale, you can earn up to 3X Reward Points/cashback on the spendings on the SmartBuy portal (more information on this here).

International and Domestic Lounge Access:

The number of complimentary access that you get with these cards is summarised below:

Credit Card No. of complimentary domestic lounge access No. of complimentary international lounge access
Infinia Credit Card 4/quarter (for primary and add-on members) Unlimited (for primary and add-on members)
Diners Club Black Credit Card Unlimited (for primary and add-on members) Unlimited (for primary and add-on members)
Regalia Credit Card 12/year 6 /year
Diners Club Privilege Credit Card 12 (domestic and international combined) 12 (domestic and international combined)
Millennia Credit Card 8/year (max 2/quarter) 2/quarter
6E Rewards XL - IndiGo Credit Card 8/year (max 2/quarter) Nil
InterMiles Platinum Credit card 8/year (max 2/quarter)  8/year (max 2/quarter) 
IndianOil HDFC Bank Credit Card Nil Nil
Easy EMI Credit Card Nil Nil
Platinum Times Credit Card Nil Nil

Eligibility Criteria for these Credit Cards:

Credit Card Eligibility Criteria
Age Income
Infinia Credit Card Invite only Invite only
Diners Club Black Credit Card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 1.75 lakh/month for salaried and >Rs. 21 lakh/annum for self-employed 
Regalia Credit Card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 70,000/month for salaried and >Rs. 8.4 lakh/annum for self-employed
Diners Club Privilege Credit Card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 70,000/month for salaried and >Rs. 8.4 lakh/annum for self-employed
Millennia Credit Card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 25,000/month for salaried and >Rs. 6 lakh/annum for self-employed
6E Rewards XL - IndiGo Credit Card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 1,20,000/month for salaried and >Rs. 14.4 lakh/annum for self-employed
InterMiles Platinum Credit card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 30,000/month for salaried and >Rs. 6 lakh/annum for self-employed
IndianOil HDFC Bank Credit Card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 10,000/month for salaried and >Rs. 6 lakh/annum for self-employed
Easy EMI Credit Card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 10,000/month for salaried and >Rs. 6 lakh/annum for self-employed
Platinum Times Credit Card 21-60 years for salaried and 21-65 years of self-employed applicants >Rs. 35,000/month for salaried and >Rs. 6 lakh/annum for self-employed

Annual Fee:

The annual fee of these top 10 HDFC bank credit cards is as under:

Credit Card Annual Fee Joining Fee Waiver Condition (spends within 90 days) Renewal Fee Waiver Condition (spends within 1 year) Lifetime free condition (activation within 90 days and renewed every year)
Infinia Credit Card Rs. 10,000 Rs. 1,50,000 Rs. 8,00,000 N/A
Diners Club Black Credit Card Rs. 10,000 Rs. 1,00,000 Rs. 5,00,000 N/A
Regalia Credit Card Rs. 2,500 Rs. 60,000 Rs. 3,00,000 SmartPay or One assist or General Insurance or Balance Transfer
Diners Club Privilege Credit Card Rs. 2,500 Rs. 60,000 Rs. 3,00,000 SmartPay or One assist or General Insurance or Balance Transfer
Millennia Credit Card Rs. 1,000 Rs. 30,000  Rs.1,00,000 SmartPay or One assist or General Insurance or Balance Transfer
6E Rewards XL - IndiGo Credit Card Rs. 2,500 N/A N/A N/A
InterMiles Platinum Credit card Rs. 1,000 N/A N/A N/A
IndianOil HDFC Bank Credit Card Rs. 500 Rs.20,000 Rs.50,000 SmartPay or One assist or General Insurance or Balance Transfer
Easy EMI Credit Card Rs. 500 Rs.20,000 Rs.50,000 SmartPay or One assist or General Insurance or Balance Transfer
Platinum Times Credit Card Rs. 1,000 Rs. 30,000 Rs. 2,50,000 N/A

18% GST is applicable on the annual fee of each of these credit cards.

Documents Required:

The bank requires an identity proof, address proof and a proof of income to process your credit card application. The following table illustrates the documents accepted as identity proof, address proof and proof of your income.

Identity Proof Address Proof Income Proof
  • Aadhar Card
  • Voter Card
  • PAN Card
  • DrivingLicense
  • Passport
  • Aadhar Card
  • Passport
  • Utility Bills
  • Salary Slips
  • Audited ITR
  • acknowledgment

How to apply for HDFC Bank Credit Cards:

You can apply for HDFC bank credit cards in 3 easy steps:

  • Visit HDFC’s credit card portal and choose the card of your choice.
  • Enter the required details and submit the required documents (mentioned above).
  • The bank will evaluate your eligibility, and if you qualify, your credit card will be mailed to you at your address.
  • Alternatively, you can also visit your nearest HDFC bank branch and apply for the card offline.

FAQs:

Yes, after a ban of around 8 months, RBI has once again allowed HDFC Bank to issue new credit cards.

You always get extra Reward Points/cashback on the SmartBuy portal under the monthly offer. During the 3- day sale, however, you can earn 3 times the Reward Points or cashback that you would otherwise earn.

Yes. You can earn up to a maximum of 15,000 bonus reward points on the Infinia and 7,500 bonus reward points per month on the Diners Club Black credit card. The cashback on Regalia and Diners Privilege cards is capped at Rs. 2,000 per month and that for all other credit cards at Rs. 1,000 per month.

All transactions of Rs. 10,000 and above are converted in EMIs (except gold, jewelry and fuel purchases) are converted in EMIs. The duration of EMIs is 9 months and the rate of interest rate is 1.67% per month. You are also charged a processing fee of Rs. 99 + GST.

Yes. Self-employed applicants must have filed ITR in the previous year before they can apply for any of the credit cards.

Yes, you do get Reward Points on purchases made on EMIs on the SmartBuy portal. The Reward Points and cashback are also calculated based on the monthly installments.

Yes, you get a zero-cost liability protection on all HDFC credit cards. The cardholder is not liable for any fraudulent transactions made with the card post the time of reporting the loss of card, provided the loss of card is reported within 24 hours. However, the liability of any transaction made using the card prior to reporting the loss of card lies solely with the cardholder.

You get an interest-free credit period of 20 to 50 days with all HDFC Bank credit cards.

Yes, a Reward Redemption fee of Rs. 99 is chargeable (except Indigo and InterMiles cards) per redemption request.

In case you need any assistance or if you’ve lost your credit card, you can dial HDFC Bank’s customer care helpline numbers-

  • 61606161 (prefix STD code) for Ahmedabad / Bangalore / Chennai / Delhi & NCR / Hyderabad / Kolkata / Mumbai / Pune locations.
  • 6160616 (prefix STD code) for Chandigarh / Cochin / Indore / Jaipur / Lucknow locations.

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