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.
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 |
We found 24 HDFC Credit Cards
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What you'll love
Free Zomato Gold membership on spending ₹ 75,000 within 3 months of getting your card
Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months
6 international lounge visits in a year via Priority Pass membership & 12 domestic lounge access via Visa/Mastercard Lounge programme
Lowest foreign currency mark-up fee of 2% on all international transactions
Up to 15% discount at 3,000+ restaurants
Fuel-surcharge waiver, 24/7 concierge service, accidental air death cover, emergency overseas hospitalisation cover, credit liability cover & more
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Not Applicable
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What you'll love
Complimentary annual memberships - Club Marriott, MakeMyTrip, Double Black, Zomato Gold, Amazon Prime, Forbes & Times Prime
Unlimited free access to lounges across the globe for primary and add-on cardholders
Get 5 Reward Points for every ₹ 150 spent
6 free golf games per quarter across the world's finest golf courses
Air accident insurance, medical emergency insurance, travel insurance, 24/7 concierge & more
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Not Applicable
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What you'll love
Travel benefits - Free domestic & international lounge access, priority airport check-in & waitlist clearance, additional 5 kg baggage allowance & free Club Vistara Silver membership
Low foreign currency mark-up fee of 2% on all international transactions
5% cashback on telecom, electricity, government/tax, railway, hotels & dining, and taxi spends. Cashback up to ₹ 500 max.
Anniversary special - 15,000 points on annual spends of ₹ 8 lakh+ & 10,000 points on annual spends of ₹ 5 lakh+ every anniversary year
Comprehensive travel insurance cover, flight delay cover, travel concierge and more
Free accidental death insurance up to 50 lakhs and fire & burglary protection for goods above ₹ 5,000 for 180 days on completing 4 transactions every month
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Not Applicable
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Joining Perks
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What you'll love
Lifetime Free upon conducting 4 transactions in a month for first 3 consecutive months (minimum transaction value of ₹ 500)
Up to 15% discount on dining at premium restaurants across India
3 international lounge visits in a calendar year via Priority Pass membership
8 domestic lounge access (within India) via Visa/MasterCard Lounge programme
Accidental air death cover worth ₹ 50 lakhs
Emergency overseas hospitalization up to ₹ 10 lakhs in case of emergency
Credit Liability cover of upto ₹ 5,00,000
5,000 points on annual spends of ₹3 lakhs or more in each anniversary year (12 months from the date of card setup)
7,500 points on annual spends of ₹6 lakhs or more in each anniversary year (12 months from the date of card setup)
Redeem points for flight tickets & hotel bookings, for airmiles of select airlines & for exciting gifts from the rewards catalogue
Fuel-surcharge waiver of 1%. Up to ₹500 per statement cycle
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Not Applicable
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Joining Perks
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What you'll love
Lifetime Free upon conducting 4 transactions in a month for first 3 consecutive months (minimum transaction value of ₹ 500)
4 reward points for every ₹ 150 spent
Up to 6 free lounge access at 700+ lounges in India and abroad
Best-in-class miles exchange program. 1 reward point = 1 airmile.
Redeem reward points for miles with leading airlines and hotels
Up to 15% discount at 3,000+ premium restaurants & global dining privileges
Air accident cover of ₹ 1 crore
Emergency medical expenses cover of up to ₹ 25 lakhs
Credit liability cover of up to ₹ 9 lakhs
Travel insurance cover of up to ₹ 50,000 on baggage delay/loss
Convenience: Easily avail this offer by submitting your documents online.
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Not Applicable
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Joining Perks
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What you'll love
No income documents required
Gift voucher of ₹ 1,000 on annual spends of ₹ 90,000 and above
Redeem reward points as cashback. 100 points = ₹ 10
Annual fee waiver on spends of ₹ 50,000 in a year
Free accidental death insurance up to ₹ 50 lakhs on completing a minimum of 4 transactions every month. TnC apply
Fuel-surcharge waiver of 1% on transactions between ₹ 400 and ₹ 5,000 (capped at ₹ 250 per statement cycle)
Renewal benefit of 500 reward points on paying the renewal fee
Contactless feature - just tap for purchases up to ₹ 2,000 at accepting merchants
Free Fire and Burglary protection for goods above ₹ 5,000 for 180 days on completing a minimum of 4 transactions every month. TnC apply
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Not Applicable
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Joining Perks
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What you'll love
Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months
Up to ₹ 2,250 worth of cash points every month
8 free domestic airport lounge access in a year
₹ 1,000 worth gift vouchers on spends of ₹ 1 lakh+ in each calendar quarter. Applicable only in the first year
1% fuel-surcharge waiver on minimum fuel transactions of ₹ 400. Capped at ₹ 250 per statement cycle
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Not Applicable
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Joining Perks
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What you'll love
Lifetime FREE on completing 4 transactions of ₹ 500+ in a month for first 3 consecutive months
Auto conversion of spends of ₹ 10,000 & above to EasyEMI for 9 months
₹ 1,000 worth gift vouchers on spends of ₹ 1 lakh+ in each calendar quarter. Applicable only in the first year
1% fuel-surcharge waiver on minimum fuel transactions of ₹ 400. Capped at ₹ 250 per statement cycle
EasyEMI offers across 1,000+ merchants
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Not Applicable
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Joining Perks
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What you'll love
Up to 50 litres of FREE fuel in a year
Lifetime FREE if you register with SmartPay, excluding prepaid mobile/OneAssist, within 90 days of card setup
Up to 250 fuel points per month on spends at IndianOil fuel outlets for first 6 months. 150 fuel points post six months.
Max. 100 fuel points each per month on grocery spends and bill payments
Fuel points are valid for 2 years from accumulation date. For example, if fuel points are received in October 2019, they will expire in October 2021
1% fuel-surcharge waiver on minimum fuel transactions of ₹ 400. Capped at ₹ 250 per statement cycle
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Not Applicable
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Joining Perks
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What you'll love
Redeem reward points as cash back against your outstanding amount. 100 points = ₹ 20. Minium redeemable amount is ₹ 500
Milestone perk - Spend ₹ 50,000 in a quarter and get an e-gift voucher worth ₹ 500
100% fuel-surcharge waiver, up to ₹ 250 per billing cycle
Zero liability on lost card if reported immediately
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Not Applicable
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Joining Perks
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What you'll love
Great discounts and offers on movies and dining at participating outlets all year long
Live GPS location-based online & offline offers on the Times Card app
Attractive rewards program. Reward points are valid for 2 years from the date of accumulation
Fuel-surcharge waiver
Zero liability on lost card
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Not Applicable
Fee Details
Joining Perks
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What you'll love
Great discounts and offers on movies and dining at participating outlets all year long
Live GPS location-based online & offline offers on the Times Card app
Attractive rewards program. Reward points are valid for 2 years from the date of accumulation
Fuel-surcharge waiver
Zero liability on lost card
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Not Applicable
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Joining Perks
Rewards
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What you'll love
This offer is available only if all necessary documents are uploaded online
Instant 5% discount on spends at Snapdeal
Fuel surcharge waiver up to ₹250 per cycle on fuel transactions between ₹400 and ₹5,000
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Not Applicable
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Joining Perks
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What you'll love
5% cashback on telecom, electricity, government/tax, railway, hotels & dining, and taxi spends
5x points on fuel spends. Max. 1,000 reward points every calendar month, valid for the 1st year only
2,500 points on annual spends of ₹ 1,80,000+ every anniversary year
Redeem reward points as cash back against your outstanding amount. 100 points = ₹ 20
Fuel-surcharge waiver, up to ₹ 250 per billing cycle
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Not Applicable
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Joining Perks
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What you'll love
You can earn 50% more Reward Points when swiping for dining and groceries. This benefit is available only if the Merchant Category Code of the outlet is 'Restaurant' or 'Grocery'. Restaurants in hotels, malls and department stores do not fall under this category.
You can convert your Reward Points to cash at the rate of Rs. 20 per 100 points.
Your Reward Points are valid for 2 years from the time they are credited to your account.
Your card comes with a Zero Liability on loss, which means that once you report the loss of card, you do not have to bear the burden of any deceitful purchases made on the card.
You can get interest-free period of up to 50 days on all swipes, valid from the date of transaction.
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This Company is not a partner. Visit its website/branch office for more details. Trademarks, logos and other intellectual property belong to their respective owners.
Fee Details
Joining Perks
Rewards
Documents
What you'll love
Get a credit limit of up to ₹ 10 lakhs
Unlimited access to 700+ airport lounges worldwide
Low mark-up fees on international spends
Free golf games at leading golf courses in India & exclusive access to select golf courses worldwide
Exclusive dining privileges at some of the finest hotels in India
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This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
Fee Details
Joining Perks
Rewards
Documents
What you'll love
No fuel surcharge on petrol & diesel spends. Max. ₹ 250 saved every month
3 add-on Platinum Plus cards for your family members above 18 years of age
Reward points are valid for 2 years from the time of being added to your account
Zero liability on lost card if reported within 24 hours
Interest-free period of up to 50 days on all spends from the date of purchase
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This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
Fee Details
Joining Perks
Rewards
Documents
What you'll love
Access to airport lounges across India with the MasterCard Lounge Program & free Priority Pass membership
Chance to earn ₹ 8,000 worth air vouchers/air miles
Points can be redeemed for air miles or gifts from rewards catalogue. 100 points = 70 air miles/₹ 70 worth air vouchers
50 days of interest-free credit from purchase date
Reward points are valid for 2 years from date of accumulation
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This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
Fee Details
Joining Perks
Rewards
Documents
What you'll love
1% fuel-surcharge waiver - savings of up to ₹ 1,500 every year on fuel
Up to 3 add-on lifetime-free cards. Available for your spouse or children who are above 18 years, brothers, sisters or parents
Reward points are valid for 2 years from date of accumulation
50 days of interest-free credit from purchase date
Zero lost card liability on reporting loss of card
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This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
Fee Details
Joining Perks
Rewards
Documents
What you'll love
1% fuel-surcharge waiver on minimum transaction of ₹ 400. Max. cashback of ₹ 250 per statement cycle
Up to 50 days of interest-free credit from purchase date
Reward points are valid for 2 years from date of accumulation
Zero lost card liability on reporting loss of card
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This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
Fee Details
Joining Perks
Rewards
Documents
What you'll love
Preferential access to 600+ airport lounges worldwide with the free Priority Pass membership
Fuel-surcharge waiver with a limit of ₹ 500 on every billing cycle
Up to 50 days of interest-free credit from purchase date
Reward points are valid for 2 years from date of accumulation
Zero lost card liability on reporting loss of card
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This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
Fee Details
Joining Perks
Rewards
Documents
What you'll love
Redeem reward points for cash back or air miles or exclusive gifts from the rewards catalogue
Fuel-surcharge waiver with a limit of ₹ 250 on every billing cycle
Up to 50 days of interest-free credit from purchase date
Zero lost card liability on reporting loss of card
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This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
Fee Details
Joining Perks
Rewards
Documents
What you'll love
Maximum yearly savings on lounge access and fuel
Free Priority Pass membership worth $99
Fuel-surcharge waiver with a limit of ₹ 250 on every billing cycle
Up to 3 add-on cards for your family
Up to 50 days of interest-free credit from purchase date
Zero lost card liability on reporting loss of card
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This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
Fee Details
Joining Perks
Rewards
Documents
What you'll love
With the free Priority Pass membership, access 600+ global airport lounges
1% fuel-surcharge waiver
Up to 3 add-on cards for your family
Up to 50 days of interest-free credit from purchase date
Zero liability on lost card & fraudulent transactions on reporting the same
Think about
This company is not a partner. Visit its website/branch office for more details. Trademarks, logos & other intellectual property belong to their respective owners
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.
Some of main features of HDFC credit cards are mentioned below:
Some of the popular credit cards that HDFC Bank provides are mentioned below:
Joining Fee: Rs.1,000 plus Taxes
Annual Fee: Rs.1,000 plus taxes
Features
Joining Fee: Rs.500 plus Taxes
Annual Fee: Rs.500 plus taxes
Features
Joining Fee: Rs.500 plus Taxes
Annual Fee: Rs.500 plus taxes
Features
Joining Fee: Rs.500 plus Taxes
Annual Fee: Rs.500 plus taxes
Features
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.
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.
Proof of Identity |
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Address proof |
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Income proof (For salaried) |
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Income proof (For self-employed) |
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HDFC may ask for additional documents based on the applicant's profile. The above list is for reference purpose only.
The steps to apply for an HDFC credit card online are as follows:
Customers can use any of the following modes of payments:
As an existing HDFC Bank account holder, you can register for HDFC Credit Card Net Banking services by following the below given steps.
The procedure that must be followed to activate online transactions via WhatsApp is given below:
Knowing how to use your Credit Card securely is of utmost importance. Here are some key security measures to consider:
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.
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.
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.
Applicant's address details, PAN card, Scanned copy of your ID proof and address proof
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.
Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.
The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.
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.
Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.
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.
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.
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.
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.
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.
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.
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.
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.
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
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