By Ankur Mittal
Updated On September 13, 2022

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 around 1,62,72,871 active credit cards (as of February 2022). From rewards and cashback cards to shopping and travel, HDFC Bank Credit Cards are issued in all categories. The card issuer keeps all the segments of individuals and their spend behaviors in mind and hence offers different credit cards so that everyone can find one according to their requirements.

The bank currently offers over 55 credit cards (including business credit cards). Recently though, HDFC bank has been involved in a few controversies. 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, but now (since August 2021), the card issuer has again started offering cards actively and even a few new cards have been launched. In this article, you can find all about the best HDFC Bank Credit Cards available in the Indian market. Keep reading for more information:

hdfc bank credit cards

List of Best 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 choosing 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.

Table of Contents
Invite Only
HDFC Infinia Credit Card Metal Edition

Welcome Benefits

Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year.

Rewards Rate

5 Reward Points on every retail spend of Rs. 150,  reward rate of up to 3.3%

Joining Fees

Rs. 12,500 + applicable taxes

HDFC Bank Diners Club Black Credit Card

Welcome Benefits

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

Rewards Rate

5 Reward Points for every Rs. 150 spent, accelerated Reward Points while spending on SmartBuy

Joining Fees

Rs. 10,000 (plus applicable taxes)

HDFC Bank Regalia Credit Card

Welcome Benefits

2,500 bonus Reward points

Rewards Rate

4 reward points every time one spends Rs. 150.

Joining Fees

Rs. 2,500 + taxes

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

Joining Fees

Rs. 2,500 (plus applicable taxes)

HDFC Bank Millennia Credit Card

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

Rewards Rate

5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel)

Joining Fees

Rs. 1,000 (plus taxes)

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%

Joining Fees

Rs. 2,500 (plus applicable taxes)

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.

Joining Fees

Rs. 1,000 (plus applicable taxes)

Welcome Benefits

1,499 NeuCoins as a welcome benefit

Rewards Rate

10% cashback (in the form of Neucoins) on the Tata Neu app, 5% cashback on Tata partner brands, and 1.5% cashback elsewhere.

Joining Fees

Rs. 1,499

Welcome Benefits

In the form of welcome benefits, the cardholders will get 499 NeuCoins.

Rewards Rate

2% back and 1% back in form of NeuCoins while shopping on Tata and Non-Tata Brands respectively.

Joining Fees

Rs. 499 + Taxes

Paytm HDFC Select Credit Card

Welcome Benefits

Complimentary Paytm First membership

Rewards Rate

5% cashback on all spends on Paytm Mall/Movies/Mini app, 2% cashback on all other spends on Paytm, 1% cashback on all other retail spends with the card (except walleyt reloads, fuel spends and EMI spends)

Joining Fees

Rs. 1,000 (plus applicable taxes)

Paytm HDFC Bank Credit Card

Welcome Benefits

Get complimentary Paytm First Membership as a welcome gift on making your first transaction worth Rs. 100 or more.

Rewards Rate

3% cashback Paytm mall, Paytm movies & mini app, 2% cash back on other purchases on Paytm app, and 1% cashback on all other spends.

Joining Fees

Rs. 49 + applicable taxes

Paytm HDFC Bank Mobile Credit Card

Welcome Benefits

NA

Rewards Rate

2% cashback on Paytm mall, movies & Mini app, 1% cashback on other spends on Paytm app, and 0.5% cashback on all other spends.

Joining Fees

Rs. 29 + GST

Welcome Benefits

You get a voucher worth Rs. 500 as a welcome gift which can be redeemed on a minimum spend of Rs. 5000 on private label brands.

Rewards Rate

Earn 6 First Citizen Points on every Rs.150 spent on Private Label Brands and 2 First Citizen Points on every Rs.150 spent on all other retail transactions except fuel and wallet.

Joining Fees

NA

Welcome Benefits

Get complimentary Shoppers Stop voucher worth Rs. 1,500 which will be redeemable on a minimum shopping of Rs. 5,000 on Private Label brands as a welcome gift.

Rewards Rate

Earn 20 First Citizen Points on every Rs. 150 spent on Shoppers Stop Private Label brands (maximum 2,000 First Citizen Points per month), 15 First Citizen Points on every Rs. 150 spent on all other Shoppers Stop brands (maximum 2,000 First Citizen Points per month), 5 First Citizen Points on every Rs. 150 spent on all retail transactions except fuel and wallet.

Joining Fees

Rs. 5,000 + applicable taxes

6E Rewards XL Indigo HDFC Bank Credit Card

Welcome Benefits

1 Complimentary 6E Prime Add-On, Welcome vouchers from Accor Hotel stay (30% off )- Rs 5,000, Accor Hotel Dining voucher Rs 1,000 and Budweiser worth Rs. 250 each.

Rewards Rate

6E Rewards- 5% on IndiGo, 3% on dining, grocery and entertainment, and 2% for every other transaction.2zx

Joining Fees

Rs. 2,500 (plus applicable taxes)

Welcome Benefits

1 complimentary 6E Prime add-on, gift vouchers from Nissin Noddles, and Budweiser, American Tourister, free air ticket worth Rs. 1,500

Rewards Rate

1% 6E Rewards for every spend. 2% 6E Rewards on groceries, dining, and entertainment, and 2.5% 6E Rewards for IndiGo ticket bookings.

Joining Fees

Rs. 700 (plus applicable taxes)

Welcome Benefits

1,000 Reward Points on payment of the annual fee.

Rewards Rate

For every Rs. 150 spent, you will get 4 Reward Points.

Joining Fees

Rs. 1,000 (plus applicable taxes)

Welcome Benefits

1,000 Reward Points on settling the renewal membership fee.

Rewards Rate

4 Reward Points per Rs. 150 spent.

Joining Fees

Rs. 1,000 (plus applicable taxes)

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%

Joining Fees

Rs 500 (plus applicable taxes)

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.

Joining Fees

Rs. 2,500 (plus applicable taxes)

Welcome Benefits

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

Rewards Rate

8 InterMiles for every Rs. 150 spent on retail transactions, 16 InterMiles for Rs. 150 spent towards flight/hotel bookings on intermiles.com

Joining Fees

Rs. 5,000 (plus applicable taxes)

Welcome Benefits

Earn up to 3,000 Bonus InterMiles as a welcome gift on the basis of your spending.

Rewards Rate

Earn 4 InterMiles for every Rs. 150 spent on retail transactions and 8 InterMiles on every Rs. 150 spent on Hotel and Flight booking through intermiles.com

Joining Fees

Rs. 1,000 (plus applicable taxes)

Welcome Benefits

You get 2,500 Reward Points as a welcome gift

Rewards Rate

Earn 4 Reward Points on every Rs. 150 spent on all retail transactions

Joining Fees

Rs. 2,500 (plus applicable taxes)

HDFC Doctors Superia Credit Card

Welcome Benefits

Enjoy 1,000 reward points as a welcome benefit on payment of the joining fee.

Rewards Rate

Earn 3 reward points on spend of every Rs.150

Joining Fees

Rs. 1,000

HDFC Bank Easy EMI Credit Card

Welcome Benefits

Get 500 CashPoints as a welcome bonus.

Rewards Rate

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

Joining Fees

Rs. 500 (plus applicable taxes)

HDFC MoneyBack Plus Credit Card

Welcome Benefits

500 CashPoints

Rewards Rate

2 CashPoints for every Rs. 150 you spend on retail purchases, 5X CashPoints per EMI spends at select merchants, 10X CashPoints on partner brands.

Joining Fees

Rs. 500 (plus applicable taxes)

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%.

Joining Fees

Rs 500 (plus applicable taxes)

Welcome Benefits

Complimentary Times Prime annual Membership and E-Vouchers Worth Rs. 5000.

Rewards Rate

3 Reward Points on every spend of Rs 150
10 reward points on every weekday dining spent of Rs 150.

Joining Fees

NIL

hdfc freedom credit card featured

Welcome Benefits

500 Cash Points as a welcome benefit

Rewards Rate

1 CashPoint per Rs. 150 spent on all categories, 5x Cash points on EMI transactions at merchant outlets, 10x Cash Points on Big Basket, Swiggy, BookMyShow, etc.

Joining Fees

Rs. 500 (plus applicable taxes)

HDFC Bank Titanium Times Credit Card

Welcome Benefits

Complimentary Times Prime Membership and E-Vouchers Worth Rs. 5000.

Rewards Rate

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

Joining Fees

NIL

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.

Joining Fees

Rs. 1,000 (plus applicable taxes)

HDFC Solitaire Credit Card

Welcome Benefits

A free wellness package from Thyrocare.

Rewards Rate

3 Reward Points on every spend fo Rs. 150, and 50% more Reward points on dining & groceries.

Joining Fees

Rs. 500 + GST.

HDFC Superia Credit Card

Welcome Benefits

1,000 bonus Reward Points

Rewards Rate

3 Reward Points on every spend of Rs. 150.

Joining Fees

Rs. 1,000 (plus applicable taxes)

HDFC Bharat Credit Card

Welcome Benefits

NA

Rewards Rate

5% cashback every month on spending towards bill payments, and mobile recharge, fuel and railway tickets booked through IRCTC. 5% cashback every month while paying through PayZapp/EasyEMI/SmartBuy.

Joining Fees

Rs. 500 + applicable taxes

HDFC Titanium Edge Credit Card

Welcome Benefits

NA

Rewards Rate

2 Reward Points on every spend of Rs. 150.

Joining Fees

Nil

HDFC Credit Cards Features and Benefits

As discussed earlier, the 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 the cardholders in the form of complimentary membership of premium partners, bonus reward points, accelerated cashback, gift vouchers and much more. Generally, welcome benefits are provided to the cardholder 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. 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 point/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 air tickets, complimentary airlines/hotels’ premium memberships, and many more. The cards with all these benefits can be considered best for people who love to travel.

Movie & Dining Benefits – HDFC bank issues a lot of 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 discount on such tickets, and much more. As dining benefits, the card offer complimentary memberships like Dineout passport, EazyDiner Prime membership, etc.

Other Benefits – Other than the lucrative benefits mentioned above, HDFC Credit cards comes with many other additional benefits like, insurance benefits, waiver on fuel surcharge, complimentary golf rounds, spend-based annual fee wavier, and many others.

Popular HDFC Bank Credit Cards

Super Premium HDFC Bank Cards:

HDFC’s Infinia Metal Edition and Diners Club Black are two of the top HDFC Credit Cards in the super-premium category.

Infinia Metal Edition Credit Card

Infinia Metal Edition Credit Card, 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 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 the HDFC bank is the Diners Club Black credit card. 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.

HDFC Bank Lifestyle Credit Cards:

Regalia Credit Card

Regalia credit card, 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 every time you spend Rs. 150. The renewal 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 most popular subscription services like Amazon Prime, Times Prime, Zomato Pro, etc. 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 & travel-related insurance benefits (personal air accident cover worth Rs. 1 crore).

HDFC Bank Cashback Credit Card:

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 the millennials. The card gives you 2.5% cashback on online shopping websites and a 1% cash back on offline transactions. The membership fee of this card is Rs. 1,000 per annum. The card also offers benefits like travel benefits, dining benefits and much more.

HDFC Bank MoneyBack Plus Credit Card

The HDFC Bank MoneyBack Plus Credit Card is a great cashback offering card. The card provides tons of cashbacks like, 10x Cash Points on Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy, 5x Cash Points on EMI spends and 2 Cash Points every time you spend Rs. 150. These cashbacks are redeemable for cashback, purchasing products, flight/hotel bookings via SmartBuy and partner airlines’ AirMiles. Apart from this, the card offers other benefits like dining benefits, fuel surcharge waiver, spend based waiver and much more.

Paytm HDFC Select Credit Card

The Paytm HDFC Select Credit Card by the HDFC Bank is a Co-Branded card in partnership with the Paytm and comes with Paytm First loyalty membership. The card offers great cashback benefits especially for those who enjoy shopping through Paytm app and Paytm Mall. It offers 5% cashback on Paytm Mall/Movies/Mini apps spends, 2% on other Paytm spends and 1% on all other retail spends with the card. These cashpoints can be redeemed against outstanding balance as or can be used for other categories such as Smartbuy (Flights/Hotels), Airmiles & Product Catalogue. Other benefits like, travel benefits, fuel, milestone benefits and much more are also provided with the card.

Paytm HDFC Bank Credit Card

The Paytm HDFC Bank Credit Card is a Co-Branded credit card in partnership with the Paytm. The card comes with complimentary Paytm First membership. The card offers 3% cashback on spends on Paytm Mall, Paytm movies, and the Mini app, 2% cashback on spends on the Paytm app and 1% on retail spends outside the Paytm app. The card offers other benefits like milestone benefits, fuel surcharge waiver and spend based waiver as well.

HDFC Bank Travel Credit Cards:

Indigo 6E Rewards XL Credit Card

HDFC Bank launched this card in collaboration with Indigo Airlines, which is the country’s largest and 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, the card also offers 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 and it is one of the best HDFC Credit Cards in the travel category.

InterMiles HDFC Bank Platinum Credit card

This is another travel credit card by the HDFC bank. With a nominal annual fee of Rs. 1,000, the card 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.

HDFC Bank Fuel Credit Card:

IndianOil HDFC Bank Credit Card

This credit card earns you rewards as fuel points. 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.

HDFC EMI Credit Card:

EasyEMI Card

As suggested by its 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.

HDFC 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.

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 does the same and offers different types of 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 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
HDFC Bank MoneyBack Plus Credit Card 10x Cash Points on Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy.
5x Cash Points on EMI spends and 2 Cash Points on every spend of Rs. 150.
Paytm HDFC Select Credit Card 5% cashback on Paytm Mall/Movies/Mini apps, 2% on other spends on Paytm and 1% on all other retail spends.
Paytm HDFC Bank Credit Card 3% cashback on Paytm Mall/Movies/Mini apps, 2% cashback on spends on Paytm and 1% on retail spends outside the Paytm app.
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.

How To Earn and Redeem HDFC Credit Card Reward Points?

With the HDFC Bank Rewards 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. So, you must try to achieve the minimum required spends so that you can earn thousands of bonus points together. However, overspending on your credit card to get more reward points is never a good idea.

HDFC bank provides an easy way for the redemption of reward points to its customers. You just need to keep in mind that 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 section credit cards, register your card if not already done.
  • 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.
  • Note down the redemption order number.

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 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 spending on the SmartBuy portal (more information on this here).

HDFC Bank Credit Cards 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 to have a higher annual income to apply for a premium credit card as compared to a basic card. 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.

Documents Required

The bank requires KYC documents including identity proof, address proof, and proof of income to process your credit card application. The documents accepted as ID proof, address proof, and proof of income are-

  • ID Proof: PAN card, Aadhar card, voter card, passport, driving license, etc.
  • Address Proof: Aadhar Card, passport, electricity/telephone bill, voter card, driving license, etc.
  • Income Proof: Salary Slip or audited ITR.

For more information on this, you can check the HDFC Bank Credit Card Eligibility & Documentation page.

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 these top 10 HDFC bank credit cards is as under, but it is also advisable for you to go through all other fees and charges as well:

Credit Card Annual Fee Joining Fee Waiver* Renewal Fee Waiver** Lifetime free***
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
HDFC Bank MoneyBack Plus Credit Card Rs. 500 N/A Rs. 50,000 N/A
Paytm HDFC Select Credit Card Rs. 1000 Rs. 50,000 Rs. 1,50,000 N/A
Paytm HDFC Bank Credit Card Rs. 49 (per month) N/A Rs. 5,000 (per month) N/A
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

*spends within 90 days
**spends within 1 year
***activation within 90 days and renewed every year

18% GST is applicable on the annual fee of each of these credit cards. You can find more detailed information about HDFC Bank Credit Cards fees and charges on this page.

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 on 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, Intermiles Diners Club, Diners Privilege, Regalia, Regalia First, Intermiles.

World, and Intermiles Signature Credit Card.
– 2.5% on 6E Rewards XL – Indigo HDFC Credit Card
– 3.5% on all other cards.

How to Apply For HDFC Bank Credit Cards Online

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

  • Visit the credit cards section on HDFC Bank’s official website and select the card of your choice.
  • Enter the required details and submit the requested documents (mentioned above).
  • Bank officials will evaluate your eligibility, 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.

HDFC Bank Cards Application Status:

You can check your HDFC Bank Card’s application status easily by visiting this page and entering the required details here. Another easy way to know the status of your HDFC Credit Card application is to contact HDFC Bank customer care.

To know more about how you can track the application status of your HDFC Bank Card, click here.

How To Activate HDFC Bank Credit Cards?

After receiving your HDFC Bank Credit Card, the very first thing you need to do is to activate your card in order to use it for purchases. There are several online as well as offline ways in which you can activate your HDFC bank Credit Card. 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 the 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.
  • If you are unable to activate your credit card even after following all the above methods, you can visit your nearest HDFC branch and ask the bank officials to help you with the same.

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 the 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.

For further information, refer to the HDFC Bank Credit Card Login/Net Banking page.

HDFC Bank Credit Card Customer Care

For any doubts, queries, or complaints related to your HDFC Bank Credit Card, you can contact your credit card customer care via call, email, or post as per your comfort. Following are a few details that can be used to contact HDFC Credit Card Customer Care:

  • You can contact HDFC Bank Credit Card customer care via call on their 24*7 helpline number 1800 266 4332.
  • If you don’t prefer calling, you can also contact them via email. Just write your questions/complaints and send them to [email protected]
  • You can also visit your nearest HDFC branch to get your doubts resolved.

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 be followed in order to get the maximum benefit out of 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 seems to be the most suitable for you. Make sure that you check the eligibility criteria as well. This is how you can choose the best HDFC Cards for yourself.

HDFC Lifetime Free Credit Cards

Many individuals look for lifetime-free HDFC credit cards, especially when they start their journey with credit cards. If you want to have an HDFC Credit Card with no annual fee, you must know that HDFC doesn’t issue any such card as of now. But, you can make some of the best HDFC Credit Cards like HDFC Regalia, HDFC Millennia, etc, lifetime free for yourself by activation any of these on your card and renewing it every year: Balance Transfer or One Assist or SmartPay or General Insurance.

Also Check: HDFC Bank Credit Cards Lifetime Free Conversion Condition

HDFC Credit Cards With Airport Lounge Access

Complimentary lounge access is something that every frequent traveler looks for in a credit card. If you want to have an HDFC Credit Card with complimentary lounge access, the following are some of the best options you must look for:

HDFC Bank Infinia Metal Edition Credit Card  – This card comes with an annual fee of Rs. 12,000 and is the most premium offered by HDFC Bank. The following are some of its key features:

  • Complimentary Club Marriot membership and also 10,000 bonus points as a welcome gift.
  • Unlimited complimentary domestic lounge access.
  • Unlimited complimentary international lounge access.
  • Get 5 Reward Points on every spend of Rs. 150.

HDFC Bank Diners Club Black Credit Card – This card comes with an annual fee of Rs. 10,000 and welcomes its customers with several complimentary prime memberships. The following are some of the key features of this card:

  • Complimentary Zomato Gold, Amazon Prime, TimesPrimes, Forbes, and MMTDoubleBlack memberships for a year.
  • Unlimited complimentary domestic and international airport lounge access.
  • 5 Reward Points on every spend of Rs. 150 and 2X RPs on dining.

HDFC Bank Regalia Credit Card – This card is among the most popular offerings by HDFC Bank. It comes with an annual fee of Rs. 2,500 and provides its customers with several exclusive benefits over different categories. Following are some of the most attractive features of this card:

  • Welcome bonus of 2,500 Reward Points.
  • 12 complimentary access to domestic lounges every year.
  • 6 complimentary international lounge access every year.
  • Complimentary dine-out passport membership.

HDFC Bank Diners Club Premium Credit Card – This credit card comes with an annual fee of Rs. 2,500 and earns you 4 Reward Points on every Rs. 50 you spend. Following are some of its key benefits:

  • 2,500 bonus points as a welcome gift.
  • Up to 6 complimentary domestic as well as international lounge access every year.
  • Low forex markup fee of 2% only.

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FAQs:

No HDFC Bank Credit Card can be considered best for every individual. Everyone has different requirements and expectations that they want to be fulfilled with a credit card. 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 the 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 saving benefits. Other factors that affect the credit card choices of different people include their spending behavior and they want to get a card accrodingly.

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 with the Infinia card 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. the 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.

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

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