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HDFC Bank

Updated on · By Ankur Mittal

HDFC Bank is India’s largest private sector bank in terms of assets and market capitalization. The Mumbai-based financial services company Housing Development Finance Corporation (HDFC) has become one of the most popular and trusted credit card issuers in the country, with more than 2.67 crore active credit cards (as of June 2026). From rewards and cashback cards to shopping and travel, HDFC Bank Credit Cards are issued in all categories. The card issuer keeps all individual segments and their spending behaviors in mind and offers different credit cards so everyone can find one that suits their requirements. This is why HDFC Credit Cards are popular. It’s also important to know that HDFC is the first bank to have over two crore credit card holders in India. This bank currently offers around 35 credit cards (including business credit cards), which help customers save more on their spending and purchases.

HDFC Bank Credit Cards List

In this article, you will find all the best HDFC Bank Credit Cards available in the Indian market. Keep reading for more information:

On This Page — Jump to a Card

List of Top HDFC Bank Credit Cards in India

With a lot of HDFC Bank Credit Cards present in the Indian market, it might be difficult for individuals to choose a card that fits them the best. To help you out in selecting the right one, we are here with the list of all the best HDFC Bank Credit cards in India so that you can go through all of them, their benefits, fees & charges, and apply for the one that seems to be best suited for you.

Apply NowView Details
Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Best Suited For
Shopping
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards Rate5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends

Welcome Benefits1,000 CashPoints

Apply NowView Details
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Best Suited For
Dining | Food
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards Rate5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Categories Such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs; 1% Cashback on Other Eligible Spends

Welcome BenefitsFree 12-Month Swiggy One Membership

Apply NowView Details
Joining Fee
₹2,500 + GST
Annual Fee
₹2,500 + GST
Best Suited For
Travel | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 Reward Points/₹200 on All Eligible Retail Spends, Including Utilities, Insurance, and Education. 25 Reward Points/₹200 for Myntra, Marks and Spencer, Nykaa, and Reliance Digital Spends

Welcome BenefitsVoucher Worth ₹2,500

Apply NowView Details
Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Best Suited For
Dining | Food
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards Rate10% Cashback On Swiggy App Spends (Food Delivery, Instamart, Dineout) – Up To ₹1,500/Month; 5% Cashback On Select Online Categories – Up To ₹1,500/Month; 1% Cashback On Other Spends – Up To ₹1,000/Month (Exclusions Apply)

Welcome Benefits3 Month Swiggy BLCK Membership

Apply NowView Details
Joining Fee
₹1,499 + GST
Annual Fee
₹1,499 + GST
Best Suited For
Travel | Shopping
Rewards Type
NeuCoins
Rewards rate and welcome benefits

Rewards RateUp to 10% NeuCoins on TataNeu Spends, 5% NeuCoins on Tata Brand Spends and 1.5% NeuCoins on UPI Spends

Welcome Benefits1,499 NeuCoins on Tata Neu App

Apply NowView Details
Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Best Suited For
Shopping
Rewards Type
NeuCoins
Rewards rate and welcome benefits

Rewards Rate2% & 1% cashback in the form of NeuCoins while shopping on Tata and non-Tata Brands respectively. Additional 5% back as NeuCoins on the Tata Neu app or website.

Welcome Benefits499 NeuCoins

Apply NowView Details
Joining Fee
₹999 + GST
Annual Fee
₹999 + GST
Best Suited For
Travel | Shopping | Utility Bills | UPI
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate10 RPs/₹100 on Select PhonePe Spends Like Recharges, Bill Payments, Movies, Hotels, Utilities, and More. 5 RPs/₹100 on Brands Like Amazon, Flipkart, Myntra, Ajio, and More. 1 RP/₹100 on Scan & Pay UPI Spends

Welcome BenefitsGet 5 Cashback Vouchers Worth ₹200 Each (via Scratch Cards) for Every ‘UPI on Credit Card’ Transaction, Limited to the First 5 Transactions With a Minimum ₹100 Transaction Value

Apply NowView Details
Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Best Suited For
Shopping | Utility Bills | UPI
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate2 RPs/₹100 on Select PhonePe Spends Like Recharges, Bill Payments, Movies, Hotels, Utilities, and More. 1 RP/₹100 on Brands Like Amazon, Flipkart, Myntra, Ajio, and More. 1 RP/₹100 on Scan & Pay UPI Spends

Welcome BenefitsGet 5 Cashback Vouchers Worth ₹100 Each (via Scratch Cards) for Every ‘UPI on Credit Card’ Transaction, Limited to the First 5 Transactions With a Minimum ₹100 Transaction Value

Apply NowView Details
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Best Suited For
Travel
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5X Reward Points/₹100 for IRCTC Bookings and 1 Reward Point/₹100 for Other Valid Spends. An Additional 5% Cashback Can Be Earned for Rail Bookings Via SmartBuy

Welcome BenefitsAmazon Voucher Worth ₹500

Apply NowView Details
Joining Fee
₹299 + GST
Annual Fee
₹299 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate3% Reward Points on Every Shoppers Stop Spend and 1 % Reward Points on Non-Shoppers Stop Spends

Welcome BenefitsShoppers Stop Voucher Worth ₹500 and Complimentary Shoppers Stop Silver Edge Membership

Apply NowView Details
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate10X CashPoints/₹200 on Flipkart, Amazon, Swiggy, BigBasket, and Reliance Smart SuperStore, and 2 CashPoints/₹200 on Retail Purchases

Welcome Benefits500 CashPoints

Apply NowView Details
Joining Fee
₹3,000 + GST (~₹3,540)
Annual Fee
₹3,000 + GST (~₹3,540)
Best Suited For
Travel | Shopping | Stays
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate8 Marriott Bonvoy Points/₹150 for Spends at Marriott Hotels, 4 Marriott Bonvoy Points/₹150 for Travel, Dining, and Entertainment, and 2 Marriott Bonvoy Points/₹150 for Other Spends

Welcome BenefitsSilver Elite Status in the Marriott Bonvoy Program and One Free Night Award Worth 15,000 Marriott Bonvoy Points

Apply NowView Details
Joining Fee
₹10,000 + GST
Annual Fee
₹10,000 + GST
Best Suited For
Travel | Dining | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 Reward Points/₹150 on Regular Spends (3.33%) | Up To 10x Reward Points On SmartBuy (Up To 33.33%) | 2x Reward Points (10/₹150) On Weekend Dining (6.67%)

Welcome BenefitsComplimentary Membership of Club Marriott, Swiggy One and Amazon Prime (On Spends of Rs. 1.5 Lakh Within 90 Days of Card Issuance)

Invite OnlyView Details
Joining Fee
₹12,500 + GST
Annual Fee
₹12,500 + GST
Best Suited For
Travel | Dining | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 Reward Points/₹150 Spent (3.33% Reward Rate)

Welcome Benefits12,500 Bonus Reward Points and Complimentary Club Marriott Membership

Apply NowView Details
Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Best Suited For
Movies | Travel | Food
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate4 Reward Points/₹200 on Retail Spends (0.5%) | 5X Reward Points (20 RPs/₹200) on Swiggy & Zomato (2.5%)

Welcome BenefitsComplimentary Membership of Swiggy One & Times Prime

Apply NowView Details
Joining Fee
₹4,500 + GST
Annual Fee
₹4,500 + GST
Best Suited For
Travel | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate7% Reward Points/₹150 on Every SS Spends. 2% Reward Points/₹150 on Non-SS Spends

Welcome BenefitsShoppers Stop Vouchers Worth ₹4,500 and Complimentary Shoppers Stop Black Membership (Worth ₹4,500)

Apply NowView Details
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, and Uber, and 1 CashPoint/₹200 Spent on All Other Purchases

Welcome Benefits500 CashPoints

Apply NowView Details
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Best Suited For
Fuel
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5% Rewards (FPs) on Spends at IndianOil Outlets, Groceries, and Bill Payments. 1 FP/₹150 Spent on Other Purchases, Including UPI Spends

Welcome BenefitsVoucher Worth ₹250

Apply NowView Details
Joining Fee
Rs. 99 + GST
Annual Fee
Rs. 99 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate3% Cashpoints on groceries, dining, and supermarket spends. 2% Cashpoints on utility spends. 1% Cashpoints on other spends, with some exclusions

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
₹10,000 + GST
Annual Fee
₹10,000 + GST
Best Suited For
Travel | Dining | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 Reward Points on every spend of Rs. 150. 10x Reward Points on SmartBuy and 2x Reward Points on weekend dining

Welcome BenefitsComplimentary Club Marriott, Swiggy One (3 months), MakeMyTrip Black Gold Tier, Amazon Prime & Times Prime Subscription on Spending ₹1,50,000 or More in the First 90 Days of Card Issuance

Apply NowView Details
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Best Suited For
Shopping
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards Rate5% Cashback on Two Specified Categories Like Dining, Travel, Grocery, Fashion, etc. 5% Cashback on Smartbuy, and 3% Cashback on Any One Platform – Amazon, Flipkart, and PayZapp. 1% Unlimited Cashback on All Other Spends

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Best Suited For
Movies | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5X Reward Points on 2 Selected Brand Packs: Swiggy & Zepto, Cleartrip & Uber, Decathlon & Urban Company, or Amazon & Flipkart. 5X Reward Points on SmartBuy. 2 Reward Points/₹200 on UPI & Other Spends

Welcome Benefits3 Months Sony LIV Premium, 4 Months Spotify Premium Standard and 12.5% Off on PUMA, Once Every Quarter

Apply NowView Details
Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Best Suited For
Movies | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate10X Reward Points on 2 Selected Brand Packs: Swiggy & Zepto, Cleartrip & Uber, Decathlon & Urban Company, or Amazon & Flipkart. 5X Reward Points on SmartBuy. 2 Reward Points/₹200 on UPI & Other Spends

Welcome Benefits6 Months Sony LIV Premium, 4 Months Spotify Premium Standard, and 12.5% Off on PUMA, Twice Every Quarter

HDFC Credit Card Features and Benefits

As discussed earlier, HDFC Bank provides exciting benefits with its credit cards. Not only reward programs, but there are many more advantages of having an HDFC Bank Credit Card. Some of the key benefits that you can get from HDFC Bank Cards:

Welcome Benefits – On card activation, HDFC Credit cards offer exciting welcome benefits to cardholders in the form of complimentary membership of premium partners, bonus reward points, gift vouchers, and much more. Generally, cardholders receive welcome benefits on successful payment of the joining fee.

Rewards/Cashback – Every time you spend using your HDFC Bank Credit Card, you get rewarded in the form of reward points/cashback or sometimes in the form of Intermiles as well (except on a few transactions). Moreover, some cards may also offer accelerated reward points/cashback on spending on select categories like dining. The cardholder can redeem the reward points earned against endless options of their choice.

Milestone Benefits – The cardholder can avail of the milestone benefits associated with a credit card and enjoy almost the same benefits as the welcome benefits, like complimentary air tickets, bonus reward points/cashback, gift vouchers, and much more. The milestone benefits are provided to the cardholder on achieving the required spend threshold/target.

Travel Benefits – HDFC Bank also issues some travel credit cards providing complimentary airport lounge access, complimentary airlines/hotels’ premium memberships, and much more. The cards with all these benefits can be considered best for people who love to travel.

Movie & Dining Benefits – HDFC Bank issues many credit cards offering exciting movie and dining benefits, keeping in mind the entertainment needs of its cardholders. The movie benefits with a credit card may include complimentary movie tickets or even discounts on such tickets and much more. As a dining benefit, the card offers complimentary memberships like EazyDiner Prime membership and Swiggy One.

Popular HDFC Bank Credit Cards

Infinia Metal Edition Credit Card

Infinia Metal Edition 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 privileges, and a lower foreign currency mark-up fee. As it is a reward points card, you earn 5 reward points per Rs. 150 you spend using the card. You have to pay an annual membership fee of Rs. 12,500 for this card.

Diners Club Black Credit Card

After Infinia, the second most premium offering by HDFC Bank is the Diners Club Black credit card. 

The HDFC Bank Diners Club Black Metal Edition Credit Card is a super-premium metal credit card designed for frequent travelers and high spenders. With an annual fee of ₹10,000 + GST, it offers 5 Reward Points per ₹150 on regular spends, up to 10X rewards on SmartBuy, unlimited domestic and international airport lounge access for primary and add-on cardholders, 24 complimentary golf games annually, and premium welcome benefits including Amazon Prime, Club Marriott, and Swiggy One memberships on meeting the spending criteria. Its strong rewards program, travel perks, milestone bonuses, and low 2% forex markup make it one of HDFC Bank’s most rewarding premium credit cards.

Regalia Gold Credit Card

The HDFC Bank Regalia Gold Credit Card is a premium travel and lifestyle credit card with an annual fee of ₹2,500 + GST. It offers 5 Reward Points per ₹200 on eligible retail spends and 5X rewards on spends at Myntra, Nykaa, Reliance Digital, and Marks & Spencer. Cardholders also enjoy complimentary domestic and international lounge access, milestone benefits like flight vouchers and shopping vouchers, a low 2% forex markup, travel insurance, and welcome benefits including MMTBLACK Gold and Swiggy One memberships on meeting the spending criteria, making it a strong choice for frequent travelers and high spenders.

Diners Club Privilege Credit Card

The Diners Club Privilege card is also a very popular lifestyle card by HDFC. You get a complimentary membership of some of the most popular subscription services like Amazon Prime and Swiggy One. This card also earns you 4 reward points per Rs. 150 you spend. You also get some premium benefits like a lower foreign currency mark-up fee.

HDFC Millennia Credit Card

The Millennia credit card by HDFC Bank is one of the best cashback credit cards currently available in the market. It is tailored to the needs of millennials. The card gives you 5% cashback on online shopping websites and 1% cashback on offline transactions. The membership fee for this card is Rs. 1,000 per annum. The card also offers benefits like travel, dining, and much more.

Tata Neu Infinity HDFC Bank Credit Card

Out of the two co-branded credit cards by HDFC Bank and Tata Neu, the Infinity is the premium variant with a Rs. 1499 annual fee and offers a welcome bonus of 1499 Neu Coins. Also, the card offers exclusive privileges across various categories like complimentary lounge access, cashback as NeuCoins on your spends, travel insurance, and much more.

Tata Neu Plus HDFC Bank Credit Card

The Neu Plus credit card is great for loyal customers of both HDFC Bank and Tata brands, offering 2% value back as Neu Coins and 499 Neu Coins as a welcome benefit. As an introductory offer, you get bonus Neu Coins on the Tata Neu app along with other privileges like complimentary lounge access, fuel surcharge waiver, zero liability protection, etc.

HDFC Bank MoneyBack Plus Credit Card

The HDFC Bank MoneyBack Plus Credit Card is an entry-level rewards credit card with an annual fee of ₹500 + GST, designed for everyday shopping and online spends. It offers 10X CashPoints on purchases made at partner brands like Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart Superstore, along with 2 CashPoints per ₹200 on other eligible retail spends. Cardholders also receive milestone gift vouchers, Swiggy Dineout discounts, a fuel surcharge waiver, and an annual fee waiver on meeting the spending threshold, making it a good choice for those looking for a simple rewards card for daily expenses.

IndianOil HDFC Bank Credit Card

The IndianOil HDFC Bank Credit Card is an entry-level fuel credit card with an annual fee of ₹500 + GST, designed for individuals who frequently refuel at IndianOil outlets. It offers 5% Fuel Points on spends at IndianOil fuel stations, grocery stores, and utility bill payments, along with 1 Fuel Point per ₹150 on other eligible purchases, including UPI spends. Cardholders also receive a complimentary IndianOil XTRAREWARDS Program (IXRP) membership, allowing Fuel Points to be redeemed for free fuel at a value of ₹0.96 per Fuel Point, along with a 1% fuel surcharge waiver, making it a practical choice for regular fuel and everyday spending.

Swiggy ORNGE HDFC Credit Card

The Swiggy ORNGE HDFC Bank Credit Card is an entry-level cashback credit card designed for frequent Swiggy users. With an annual fee of ₹500 + GST, it offers 5% cashback on Swiggy spends (Food Delivery, Instamart, and Dineout) and select online shopping categories, along with 1% cashback on other eligible spends. Cardholders also receive a complimentary 12-month Swiggy One membership, Mastercard golf benefits, and cashback credited directly to the card statement, making it a good option for those looking to save on everyday food delivery and online purchases.

HDFC Credit Card Rewards and Cashback

All the major card issuers provide their cardholders with exciting rewards or cashback benefits so that they can save more and more on their spends when they make purchases using their credit card. HDFC Bank also offers various rewards with different credit cards. The reward rate may be different on different credit cards, i.e., more on premium cards and less on basic ones. The reward points or cashback that you earn on these top 10 HDFC Bank Cards are summarised in the table below:

Credit Cards Reward Points/Cashback
Infinia Credit Card 5 Reward Points per ₹150
Diners Club Black Metal Edition Credit Card 5 Reward Points per ₹150
Regalia Gold Credit Card 5 Reward Points/₹200 on All Eligible Retail Spends, Including Utilities, Insurance, and Education. 25 Reward Points/₹200 for Myntra, Marks and Spencer, Nykaa, and Reliance Digital Spends
Diners Club Privilege Credit Card 4 Reward Points/₹200 on Retail Spends (0.5%) | 5X Reward Points (20 RPs/₹200) on Swiggy & Zomato (2.5%)
Millennia Credit Card 5% Cashback on Online and 1% Cashback on Offline Spends
MoneyBack Plus Credit Card 10X CashPoints/₹200 on Flipkart, Amazon, Swiggy, BigBasket, and Reliance Smart SuperStore, and 2 CashPoints/₹200 on Retail Purchases
IndianOil HDFC Bank Credit Card 5% Fuel Points on Indian Oil Outlets & Grocery Spends and 1% Fuel Points on All Other Spends
Swiggy Ornge HDFC Bank Credit Card 5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Categories Such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs; 1% Cashback on Other Eligible Spends

How To Earn and Redeem HDFC Credit Card Reward Points?

With the HDFC Bank Credit Cards, you can earn reward points on almost all your spends. Every cardholder can earn reward points, but only a few of them know how to earn the maximum rewards with a credit card. Almost every credit card offers accelerated rewards in one or two selected categories & regular points on all other spends. To save the most using your HDFC Credit Card, make sure that you get a credit card that comes with accelerated reward points in a category where you spend the most. Moreover, you also need to keep in mind that you can earn reward points not only on your regular spends, but in the form of welcome benefits or milestone benefits as well.

HDFC Bank offers a convenient way for its customers to redeem reward points. You should have a minimum of 500 Reward points to redeem. You can easily redeem your earned points via Net Banking by following a few simple steps as mentioned below:

  • Log in to your HDFC Bank credit card internet banking account.
  • Under the ‘Credit Cards’ section, register your card if you haven’t already done so.
  • Now, on the left navigation bar, click on ‘Redeem Reward Points.’
  • Select your credit card and proceed.
  • Click on Redeem Reward Points.
  • Select the range of reward points you have and the category against which you want to redeem your points.
  • Add your items to the cart.
  • Check all the details and then click on Redeem to confirm the redemption.

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. While on most HDFC cards, you get additional cashback on shopping via SmartBuy, you earn accelerated Reward Points on your Infinia and Diners Club Black Cards. For more information on the extra reward points and cashback that you earn on the SmartBuy portal, you may refer to HDFC SmartBuy.

HDFC Bank Credit Card Eligibility Criteria

To get a particular credit card, the applicants need to fulfill some specific eligibility criteria. Generally, the age requirements are almost the same for all HDFC Credit Cards, but income and credit score requirements might vary. You generally need a higher annual income to apply for a premium credit card compared to a basic card. The following are some basic eligibility requirements that you need to fulfill in order to get an HDFC Bank Credit Card:

  • The age of the primary cardholder should be above 21 years, and that of the supplementary cardholders should be above 18 years.
  • The applicant should have a stable source of income.
  • The applicant should be maintaining a decent credit score.

HDFC Bank Credit Card Annual Fees and Charges

There are several fees and charges associated with credit cards. Most people only consider the annual fee while applying for a credit card, as it is something that is most important. The annual fee of top HDFC Bank credit cards is as follows.

Credit Card Annual Fee Spends for Renewal Fee Waiver
Infinia Credit Card Metal ₹12,500 + GST Rs. 10,00,000
Diners Club Black Metal Edition Credit Card ₹10,000 + GST Rs. 8,00,000
Diners Club Privilege Credit Card ₹1,000 + GST Rs. 3,00,000
Millennia Credit Card ₹1,000 + GST Rs.1,00,000
HDFC Bank MoneyBack Plus Credit Card ₹500 + GST Rs. 50,000
Marriott Bonvoy HDFC Bank Credit Card ₹3,000 + GST N/A
IndianOil HDFC Bank Credit Card ₹500 + GST Rs.50,000

Other Fees & Charges

Apart from the annual fee, there are many more charges you need to pay with a credit card when required. These fees and charges include interest rate (which is charged on the outstanding balance that has not been paid by the payment due date), cash advance fee (which is charged when you withdraw cash using your credit card), forex markup fee (charged when you make a transaction in a different currency with your credit card), and many more. Some of the important charges that are applicable to the Top HDFC Credit Cards are as mentioned below:

Interest Charges on Revolving Credit 1.99% per Month on Infinia, Diners Club Black, and Intermiles HDFC Bank Diners Club Credit Card. 3.6% on all Other Cards
Cash Advance Fee 2.5% of the Withdrawn Amount or Rs. 500 (Whichever is Higher)
Forex Markup Fee 2% on Infinia, Diners Club Black Metal Edition, Regalia Gold, Tata Neu Infinity HDFC Bank & Diners Privilege

3.5% on All Other Cards

Apply for HDFC Bank Credit Cards Online With Card Insider

You can apply online for HDFC Bank Credit Cards in a few easy steps as mentioned below:

  • Compare all HDFC Credit Cards on Card Insider,
  • Select the card most suited for you,
  • Click on the Apply Now button for that card,
  • Enter the required details,
  • Bank officials will evaluate your eligibility. If you qualify, your credit card will be mailed to you at your address.

How To Activate HDFC Bank Credit Cards?

After receiving your HDFC Bank Credit Card, the very first thing you need to do is activate your card in order to use it for purchases. Refer to the following steps to understand the same:

  • To activate your HDFC Bank Credit Card, you can sign up/sign in to your HDFC Bank internet banking account using your customer ID & iPIN and activate the card under the ‘Requests’ tab that you will find after entering the Credit Cards section.
  • Once you have received your card, you can also inquire about HDFC Bank Credit Card customer care and ask the bank officials to help you with your credit card activation.
  • Another method for HDFC Bank Credit Card activation is to do it via an HDFC Bank ATM nearest to you. Just visit your nearest HDFC Bank ATM, insert your credit card, find the option of credit card activation/PIN generation from the main menu, and proceed further. You will then receive an OTP on your registered mobile number that you will have to enter for verification.

HDFC Credit Cards Login/Net Banking

In order to register your HDFC Bank Credit Card for internet banking, you can follow a few simple steps as mentioned below:

  • Visit the official website of HDFC Bank.
  • Scroll down to the section ‘Ways To Bank.’
  • Click on ‘Online Banking.’
  • Now, the option ‘Credit Card Net Banking’ will be there on your screen.
  • Click on ‘Register Online’ under that.
  • Proceed further to fill in the required details and confirm.

How To Compare HDFC Credit Cards & Choose The Best One?

Comparing credit cards before applying for them is one of the most essential steps to follow in order to get the maximum benefit from your card. Firstly, you must analyze your spending habits and try to understand where you spend the most every month. After that, look for the HDFC Credit Cards that are most beneficial in those categories and note down a list of similar cards. Now, you should compare HDFC credit cards wisely. Check for all their features, benefits, and fees & charges, and choose a credit card that is the most suitable for you. Also, ensure that you check the eligibility criteria. This is how you can select the best HDFC Cards for yourself.

Discontinued HDFC Credit Cards

Bottom Line

HDFC Bank offers a wide range of credit cards to cater to the diverse needs of individuals. Recently, the bank has launched the UPI RuPay Credit Card, enabling you to make payments with your UPI application effortlessly. HDFC Bank is renowned for providing outstanding benefits and rewards on its range of credit cards, from luxury cards like Infinia to everyday use cards like Millennia or Moneyback Plus. With such a wide variety of options available, it’s important to compare and choose the card that best suits your needs, keeping in mind your spending habits.

Quick Links

Frequently Asked Questions

Which HDFC Bank Credit Card is Best in 2026?

No HDFC Bank Credit Card can be considered the best for every individual. Everyone has different requirements and expectations they want a credit card to fulfill. And as different credit cards come loaded with different benefits, no credit card can be considered the best for every individual. High-net-worth individuals generally look for a premium or super-premium credit card that comes with a high joining fee and exciting privileges across all categories, whereas such cards may not be a good choice for low-income individuals who want to have a basic credit card with a nominal annual fee and maximum savings benefits.

Is it necessary for self-employed individuals to have filed income tax returns to sign up for a credit card?

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

Do I get Reward Points on purchases made on EMI on SmartBuy?

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

Do the HDFC Credit cards charge any fee at the time of redeeming the reward points?

A reward redemption fee of ₹99 is chargeable per redemption request.

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