HDFC Credit Cards – Apply Online & Compare Top Offers

HDFC Bank offers a range of credit cards with a multitude of benefits spanning various categories, including travel, rewards, and shopping, among others. These credit cards cater to a wide spectrum of needs, starting from basic options like Moneyback and Millennia to premium selections such as Infinia and Diners Club Black.

Opting for the card that aligns with your lifestyle is crucial for maximising the advantages, as selecting the 'right card' can lead to significant savings when you make purchases, travel, or dine. To assist you in this selection process, we've listed out the HDFC Credit Cards available in 2025, allowing you to compare features and conveniently apply online. 

Top 10 HDFC Credit Cards in India 2025

Listed below are the top 10 credit cards offered by HDFC:

HDFC Credit Card Variant 

Annual Fee 

Best Suited For 

Indian Oil HDFC Bank Credit Card 

Rs.500 plus GST 

Fuel 

Marriot Bonvoy HDFC Bank Credit Card 

Rs.3,000 plus GST 

Travel and Lounge Access 

Freedom Credit Card 

Rs.500 plus GST 

Cashback 

HDFC MoneyBack+ Credit Card 

Rs.500 plus GST 

Shopping and Rewards 

Swiggy HDFC Bank Credit Card 

Rs.500 plus GST 

Cashback and Dining 

HDFC Bank Millenia Credit Card 

Rs.1,000 plus GST 

Online Shopping and Cashback 

Tata Neu Infinity HDFC Bank Credit Card 

Rs.1,499 plus GST 

Shopping 

HDFC Regalia Gold Credit Card 

Rs.2,500 plus GST 

Travel, Rewards, and Shopping 

HDFC Diners Club Black Metal Edition Credit Card 

Rs.10,000 plus GST 

Rewards, Gold Games, and Travel 

Shopper Stop HDFC Bank Credit Card 

Rs.299 plus GST 

Shopping 

HDFC

We found 24 HDFC Credit Cards

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Bank

1st Year Fee

₹0₹10,000
  • First year fee upto:

    ₹0

Card Fee Type

Card Network

Free Zomato Gold Membership

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Regalia Card

    1st year fee

    :  

    ₹ 2,500

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10x Points At Select Partners

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Diners Club Black Card

    1st year fee

    :  

    ₹ 10,000

    ₹ 0

    *See details

See More

Comprehensive Travel Benefits & Rewards

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Business Regalia Credit Card

    1st year fee

    :  

    ₹ 2,500

See More

High On Rewards And Dining Privileges

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Regalia First Card

    1st year fee

    :  

    ₹ 1,000

    ₹ 0

    *See details

See More

Earn Maximum Airmiles On Your Spends

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Diners ClubMiles Card

    1st year fee

    :  

    ₹ 1,000

    ₹ 0

    *See details

See More

Welcome Benefit Of 500 Points

 No Income Docs Needed
  • HDFC Bank Freedom Credit Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

See More

Cashback On All Online & Offline Shopping

  • HDFC Bank Millennia Credit Card

    1st year fee

    :  

    ₹ 1,000

    ₹ 0

    *See details

See More

Auto Emi Conversion Of Spends Above ₹ 10,000

  • HDFC Bank Easy EMI Credit Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

See More

50 L Free Fuel Every Year

  • IndianOil HDFC Bank Credit Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

See More

4 Reward Points On Online Shopping

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Moneyback Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

See More

Great Offers On Movies & Dining

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Times Titanium

    1st year fee

    :  

    ₹ 500

See More

Great Offers On Movies & Dining

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Times Platinum

    1st year fee

    :  

    ₹ 1,000

See More

Great Deals On Snapdeal Purchases

 100% Paperless Approval
No hard copies of documents required for approval
  • Snapdeal HDFC Bank Credit Card

    1st year fee

    :  

    ₹ 500

See More

5x Rewards On Fuel Spends

 100% Paperless Approval
No hard copies of documents required for approval
  • HDFC Bank Business MoneyBack Credit Card

    1st year fee

    :  

    ₹ 500

See More
  • HDFC Solitaire Credit Card

    1st year fee

    :  

    ₹ 500

See More

Credit Limit Up To ₹ 10 Lakhs

  • HDFC Infinia Credit Card

    1st year fee

    :  

    ₹ 10,000

See More

Maximum Rewards On Everyday Spends

  • HDFC Platinum Plus Credit Card

    1st year fee

    :  

    ₹ 0

See More

Perfect Travel And Rewards Partner For Doctors

  • HDFC Doctors Superia Credit Card

    1st year fee

    :  

    ₹ 1,000

    ₹ 0

    *See details

See More

Exclusive Benefits For Teachers

  • HDFC Teacher's Platinum Credit Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

See More

Reward Points On Every ₹ 150 Spent

  • HDFC Platinum edge Credit Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

See More

Welcome Gift Of 1,000 Reward Points

  • HDFC Superia Credit Card

    1st year fee

    :  

    ₹ 0

See More

Reward Points On Every ₹ 150 Spent

  • HDFC Titanium Edge Credit Card

    1st year fee

    :  

    ₹ 0

See More

Maximum Savings On Travel

  • HDFC Visa Signature Credit Card

    1st year fee

    :  

    ₹ 0

See More

Savings On Lounge Access & Fuel

  • HDFC World MasterCard

    1st year fee

    :  

    ₹ 0

See More
Updated On - 07 Oct 2025
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HDFC Bank currently offers several credit cards that are customised to cater to different needs. From travel to shopping to dining to premium, the bank has a card for every category. 

Key Features of HDFC Credit Cards

Some of main features of HDFC credit cards are mentioned below: 

  1. Welcome Perks: Experience exclusive advantages upon registration and making transactions with an HDFC Bank Credit Card. Additional benefits are available for annual expenditures that surpass specified thresholds. 
  1. Smart EMI: Transform credit card purchases of Rs. 2,500 or more into SmartEMIs following your transactions. Benefit from the competitive rate of interest and flexible repayment periods for offline and online Credit Card purchases converted into SmartEMI. 
  1. Contactless Payments: Conveniently, confidently, and securely execute payments using our contactless Credit Cards. Merely tap your card for swift payments at retail establishments within seconds. To enable contactless payments, kindly utilise MyCards. 
  1. Foreign Currency Markup: Save more while shopping on your international expenses. We apply a minimal foreign currency markup on overseas transactions with specific HDFC Bank Credit Cards. 
  1. Insurance Benefits: Certain HDFC Bank Credit Cards offer complimentary insurance benefits, including substantial coverage for air accidents and emergency overseas hospitalisation. 
  1. Revolving Credit Facility: Take advantage of revolving credit facilities at nominal interest rates on HDFC Bank Credit Cards. Refer to the MITC for further details. 
  1. Airport Lounge Access: Enjoy complimentary airport lounge access at both domestic and international airports with select credit cards. 
  1. Zero Lost Card Liability: In the event of a lost Credit Card, promptly report it to our 24-hour call centre. You will be exempt from liabilities for fraudulent transactions upon timely reporting. Learn more about the advantages of using a credit card. 
  1. Discounts: You can avail exclusive discounts, reward points, and offers. 
  1. Fraud Protection: In case you suspect credit card fraud, just notify your bank, and your credit card will be instantly blocked. 
  1. Multiple Credit Cards: HDFC Bank offers multiple credit cards and you can choose one that suits your requirements. 
  1. Credit Score Improvement: You can improve your credit score by timely and full payment of bills and keeping credit utilisation less than 30%. 
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Overview of HDFC Bank credit cards including benefits, reward programs, travel perks, and cashback options

Some of the popular credit cards that HDFC Bank provides are mentioned below: 

Diners Club Privelge Credit Card

Joining Fee: Rs.1,000 plus Taxes 

Annual Fee: Rs.1,000 plus taxes 

Features 

  1. If you spend Rs.1.5 lakh in a quarter, you will receive Decathlon, Marriott, and more vouchers worth Rs.1,500. 
  1. Times Prime and Swiggy One annual membership is provided as welcome benefits. 
  1. 5X Reward Points on Zomato and Swiggy. 
  1. Buy 1 ticket and get 1 ticket free on BookMyShow. 
  1. For every Rs.150 that is spent, 4 Reward Points are given. 
  1. 2 airport lounge access is provided every quarter for free. 
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Indian Oil HDFC Bank Credit Card

Joining Fee: Rs.500 plus Taxes 

Annual Fee: Rs.500 plus taxes 

Features 

  1. You can earn up to 50 litres of fuel every year for free. 
  1. 5% of your spends at Indian Oil outlets will be provided as Fuel Points. 
  1. 5% of your spends on bill payments and groceries will be provided as Fuel Points. In each month, 100 Fuel Points can be earned per category. 
  1. 1 Fuel Point is provided for every Rs.150 that is spend on other categories. 

Freedom Credit Card

Joining Fee: Rs.500 plus Taxes 

Annual Fee: Rs.500 plus taxes 

Features 

  1. You code HDFCCARDS to get an additional discount of 10% on Swiggy Dineout. 
  1. 10X CashPoints can be earned on Uber, Swiggy, OYO, BookMyShow, and Big Basket. Maximum of 2,500 CashPoints can be earned in a month. 
  1. 1 CashPoint can be earned for every Rs.150 that is spent on other categories. 

Pixel Play Credit Card

Joining Fee: Rs.500 plus Taxes 

Annual Fee: Rs.500 plus taxes 

Features 

  1. Instant digital credit card. 
  1. 5% cashback on certain categires. 
  1. 5% cashback on Smartbuy. 
  1. 3% cashback on either PayZapp, Flipkart, or Amazon. 
  1. 1% cashback on other spends. 
  1. 1% cashback on UPI. 
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Different Credit Cards Offered by HDFC Bank 

HDFC Bank Everyday Rewards Credit Cards 

  1. Regalia Gold Credit Card 
  1. IndianOil HDFC Bank Credit Card 
  1. Swiggy HDFC Bank Credit Card 
  1. Tata Neu Plus HDFC Bank Credit Card 
  1. Freedom Credit Card 
  1. Moneyback+ Credit Card 
  1. Millenia Credit Card 

HDFC Bank Digital Credit Card

  1. Paytm HDFC Bank Digital Credit Card 
  1. HDFC Bank UPI RuPay Credit Card 
  1. PIXEL Go Credit Card 
  1. PIXEL Play Credit Card 
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HDFC Bank Lifestyle Credit Cards 

  1. Paytm HDFC Bank Mobile Credit Card 
  1. Paytm HDFC Bank Select Credit Card 
  1. Paytm HDFC Bank Credit Card 
  1. Shoppers Stop Black HDFC Bank Credit Card 
  1. Shoppers Stop HDFC Bank Credit Card 
  1. Tata Neu Infinity HDFC Bank Credit Card 
  1. Diners Club Privilege Credit Card 

HDFC Bank Fuel and Travel Credit Cards 

  1. HDFC Bank Harley-Davidson Diners Club Credit Card 
  1. HDFC Bank H.O.G Diners Club Credit Card 
  1. IRCTC HDFC Bank Credit Card 
  1. Marriot Bonvoy HDFC Bank Credit Card 
  1. Indian Oil HDFC Bank Credit Card 

HDFC Bank Premium Credit Cards 

  1. Diners Club Black Metal Edition Credit Card 
  1. INFINIA Metal Edition 

HDFC Bank RuPay Credit Cards 

  1. PIXEL Go Credit Card 
  1. HDFC Bank Freedom RuPay Credit Card 
  1. HDFC Bank RuPay Shoppers Stop Credit Card 
  1. Tata Neu Plus HDFC Bank Credit Card 
  1. Indian Oil HDFC Bank Credit Card 
  1. IRCTC HDFC Bank Credit Card 
  1. HDFC Bank UPI RuPay Credit Card 
  1. PIXEL Play Credit Card 
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HDFC Bank Corporate Credit Cards

  1. Corporate Premium Credit Card 
  1. Corporate Platinum Credit Card 

HDFC Bank Business Credit Cards 

  1. Flipkart Wholesale HDFC Bank Credit Card 
  1. HDFC Bank UPI RuPay Biz Credit Card 
  1. Paytm HDFC Bank SELECT Business Credit Card 
  1. Paytm HDFC Bank Business Credit Card 
  1. CSC Small Business MoneyBack 
  1. Giga Business Credit Card 
  1. Biz First Credit Card 
  1. Biz Grow Credit Card 
  1. Biz Power Credit Card 
  1. Biz Black Metal Edition Credit Card 

Other HDFC Bank Credit Cards

  1. Diners Cub Black Credit Card 
  1. Teachers Platinum Credit Card 
  1. EasyEMI Credit Card 
  1. Regalia Activ
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Eligibility to Apply for HDFC Credit Cards

  1. Age: Applicants must be a minimum of 18 years old.
  2. Nationality: Applicants should hold Indian Nationality.
  3. Residential Status: Applicants can be either Residents or Non-Resident Indians.
  4. Employment Status: Applicants should be employed as salaried professionals or self-employed individuals.
  5. Annual Income: HDFC Bank assesses your eligibility for a Credit Card and determines the credit limit based on your annual income.

Note: HDFC Bank reviews and adjusts your credit limit according to your annual expenditures, card usage, and evolving income. Additionally, they extend invitations for Credit Card upgrades based on your usage.

Check Eligibility for HDFC Credit Cards Online

You can check eligibility for each HDFC credit card online using the HDFC Bank official website.

Visit HDFC Bank Site & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.

Documents Required to Apply for HDFC Credit Cards

Proof of Identity

  1. Passport
  2. PAN Card
  3. Ration Card
  4. Aadhaar card
  5. Voter's ID card
  6. Driving Licence

Address proof

  1. Telephone bill
  2. Electricity bill
  3. Passport
  4. Ration card
  5. Rental agreement
  6. Aadhaar card

Income proof (For salaried)

  1. Salary certificate
  2. Recent salary slip/s
  3. Employment letter

Income proof (For self-employed)

  1. Certified financials
  2. Recent ITR (Income Tax Returns)
  3. Audited profit and loss statement or balance sheet

HDFC may ask for additional documents based on the applicant's profile. The above list is for reference purpose only.

How to Apply for HDFC Credit Cards Online?

The steps to apply for an HDFC credit card online are as follows:

  1. Visit the official website of HDFC.
  1. Navigate to the 'Credit Cards' section and select a credit card based on your preference.
  1. Check the eligibility criteria and documents required for the credit card.
  1. Apply online by entering all the requested details. You can also submit your credit card application along with relevant documents at an HDFC branch or ATM.
  1.  You will receive your credit card on your communication address once the bank approves your application.
  1. When it is delivered, you will have to sign for it and provide proof of identity.
  1. You will receive the personal identity number (PIN) via courier while the Green PIN will be sent on your registered mobile number.
  1. This PIN is required to authenticate any credit card transactions.
  1.  Visit the nearest HDFC ATM to change the PIN.
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HDFC Credit Card Bill Payment

Customers can use any of the following modes of payments:

  1. HDFC Bank Netbanking
  2. Non-HDFC Bank Netbanking
  3. HDFC Bank Mobile Application
  4. Auto pay
  5. ATM Funds Transfer

How to Register for HDFC Credit Card Net Banking?

As an existing HDFC Bank account holder, you can register for HDFC Credit Card Net Banking services by following the below given steps.

  1. Customers need to login into NetBanking with their customer ID and internet password.
  2. Inside the Net Banking account, click on the credit card tab.
  3. Add your new card, by selecting the 'Register New Card' feature.
  4. Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on 'Submit'.

Activate HDFC Credit Card Online Transactions via WhatsApp

The procedure that must be followed to activate online transactions via WhatsApp is given below:

  1. Add the HDFC WhatsApp number (70-700-222-22) to your contacts.
  2. Send a WhatsApp message 'Manage My Credit Card' to that number.
  3. You will receive a message with several options.
  4. Select the 'Online (E-Commerce) Transactions' option. You will need to enter the number under which the option is available.
  5. An OTP will be sent to the registered mobile number, enter it.
  6. Next, the last four digits of the credit card number must be entered.
  7. The status will be displayed.
  8. An option will be provided to activate online transactions.
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Key Points to Consider While Applying for a HDFC Credit Card

  1. Rewards Points System: HDFC Bank offers a rewards points system for both offline and online Credit Card transactions, providing a significant advantage. You can redeem these accrued points for a variety of rewards from our catalogue, gift vouchers from renowned brands, and airline miles, or offset them against your statement balance. Select Credit Cards that can earn you higher reward points. It's essential to utilise your reward points before they expire and keep an eye out for exclusive Credit Card offers linked to your reward points.
  1. Credit Card Statement: As a result, HDFC Bank issues monthly credit card statements that outline all transactions conducted during a credit cycle, including the amounts charged, the due date, and outstanding balances. These statements are generated on a fixed date, which may not necessarily be the first day of the month and are sent to your registered email address.
  1. Credit Card Cash Withdrawal: You can utilise your Credit Card to withdraw cash from ATMs through our Credit Card cash advance facility. The permissible cash withdrawal limits depend on your card type and differ from the credit limit. The bank applies credit card interest rates and other applicable fees to Credit Card cash withdrawals. 
  1. Fees & Charges: HDFC Bank imposes specific Credit Card fees depending on the type of Credit Card you hold. These fees include an annual maintenance charge, cash advance fees for withdrawals, foreign currency markup fees, late payment charges, interest on outstanding dues, over-limit fees, and GST charges. 
  1. Credit Card Bill Payment: HDFC Bank generates a new bill each month according to your credit cycle. You have approximately 20 days after the bill generation date, along with an interest-free period of about 50 days. It is necessary to make at least the minimum amount due. No additional charges are levied by the bank if you pay your outstanding dues in full on or before the due date. However, interest is applicable for partial or non-payments. You also have the option to set up automatic Credit Card payments through standing instructions from your Savings Account.

HDFC Credit Card Security Measures

Knowing how to use your Credit Card securely is of utmost importance. Here are some key security measures to consider:

  1. Card Features and Usage: Your Credit Card contains essential details, including your card number, name, expiration date, and CVV number, which are required when making online transactions. For added security, you must enter a 4-digit PIN and a One Time Password (OTP) sent to your registered mobile number (RMN) by the bank to authenticate the transaction. Ensure the safety of your transactions by refraining from sharing your PIN or OTP with anyone.
  2. Overseas Usage: You have the option to activate your card for international use at any time. However, it is advisable to deactivate this feature once you return to India. If you lose your card or suspect any fraudulent or suspicious activities on your card, promptly notify us. In such cases, the bank will immediately block the card to prevent unauthorised usage.
  3. Avoid Sharing Card Details: Exercise caution when responding to communications that request your card number, expiry date, or other sensitive information. While certain values may be required when you contact us through our helpline, remember that HDFC Bank or its representatives will never ask you for your Credit Card PIN, CVV, or OTPs. Under no circumstances should you share this information with anyone.
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FAQs on HDFC Bank Credit Card

  • How can I increase the limit of my HDFC credit card?

    You can send a signed letter and request for increasing your credit card limit. You will have to also submit your income proofs. If you are a salaried person, then, you will have to also attach a self-attested copy of a recent salary slip.

  • Can I apply for an HDFC credit card online? What benefits can I get?

    Yes, you can apply for an HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.

  • What is the minimum salary I require to have an HDFC credit card?

    You will need to have a minimum salary of Rs.12,000 per month if you are a salaried person. If you are self-employed, you will need to have Rs.2 lakh per annum as your salary. You will also have to maintain a good credit score.

  • What are the documents required to complete my HDFC credit card application online?

    Applicant's address details, PAN card, Scanned copy of your ID proof and address proof

  • My HDFC credit card application is in process. Can I track the status online?

    Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.

  • Are HDFC Bank credit card statements available online?

    Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.

  • What does the SmartEMI scheme offer to a customer?

    The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.

  • I am looking to transfer my existing credit card balance to a HDFC credit card. Is that possible?

    Yes, you can transfer your outstanding balance from any other bank's credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.

  • What is the advantage of paying my HDFC credit card bill using internet banking?

    Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.

  • Can I own two HDFC credit cards at once?

    Mostly, banks do not issue two credit cards to one person. However, if you have a good credit score, the bank may consider issuing two credit cards to you.

  • Does HDFC Bank offer the option of converting accrued rewards points into Air-miles or Airline E-Vouchers?

    Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be obtained from a customer's credit card statement.

  • Can I take a loan using the HDFC Bank credit card I currently hold?

    Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.

  • What does the Late Payment Fee on Credit Cards entail?

    Failing to pay the minimum amount due on your Credit Card by the due date of payment will result in the imposition of a late payment fee. Consistent instances of late payments may have an impact on your Credit Rating.

  • What are the regulations regarding interest payments for Credit Card purchases?

    Interest charges are not incurred on all purchases. However, suppose you fail to clear the total outstanding amount on or before the bill's due date. In that case, any unpaid dues and subsequent transactions will begin to accrue interest until the outstanding amount is fully settled.

  • How can cardholders make use of their reward points?

    After accumulating Reward Points, cardholders have the option to redeem them for various items available in the rewards catalogue, including gift vouchers, flight tickets, hotel bookings, and more, all accessible through NetBanking.

  • Do I need to settle Credit Card bills if my Card goes unused?

    HDFC Bank Credit Cards come with specific charges that must be paid, irrespective of card usage. However, under certain circumstances, these charges can be waived. To learn about the conditions for potential waivers, please click here.

  • Can existing Credit Cardholders apply for an additional one?

    Individuals who already possess a Credit Card can readily apply for an HDFC Bank Credit Card, provided that their existing Credit Card is from another bank, and they maintain a favourable Credit Score. However, if they already hold an HDFC Bank Credit Card, they will not be eligible for an additional HDFC Bank Credit Card.

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