HDFC Bank, the largest private sector bank in India in terms of assets, offers a huge range of credit cards catering to all kinds of needs and lifestyles like rewards, travel, fuel, etc. Having a of HDFC Bank credit card options makes it easy for customers to choose from. In this article, we will discuss some of the best HDFC credit card types available in the market right now
HDFC Credit Card Variants List 2026
HDFC offers numerous credit card variants under different categories, including Popular, Premium, Everyday Rewards, Travel and Fuel, Lifestyle, Digital Cards, lifetime free credit cards, and so on. Amongst such a wide variety, we have enlisted some of the Best HDFC Credit Cards here:
Features & Benefits of HDFC Credit Card Types in India
HDFC MoneyBack+ Credit Card
Joining and Annual Fee: Rs. 500 + applicable taxes; Waived on spending Rs. 50,000 or more in a year before the card renewal date.
Key Features:
This one of the best cash back credit card offers 10X CashPoints (up to 2.5 valueback) on Amazon, Flipkart, BigBasket, Reliance Smart SuperStore & Swiggy.
2 CashPoints per Rs. 150 spent on other spends.
500 Reward Points on payment of membership fee.
A gift voucher worth Rs. 500 quarterly spends of Rs. 50,000 & above.
10% additional discount on Swiggy Dineout. Use coupon code HDFCCARDS.
1% fuel surcharge waiver (maximum Rs. 250 per statement cycle)) across all fuel stations in India on a minimum transaction value of Rs. 400 and a maximum of Rs. 5,000.
Zero lost card liability on losing the card.
HDFC Millennia Credit Card
Joining and Annual Fee: Rs. 1,000 + taxes; Waived on spending over Rs. 1 Lakh in a year before the card renewal date.
Key Features:
5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Sony LIV, Swiggy, Uber, Tata CLiQ, and Zomato.
1% cashback on all other spends.
Up to 10% cashback on 200+ brands through SmartBuy/ PayZapp Shop.
10% additional discount on Swiggy Dineout. Use coupon code HDFCCARDS.
A gift voucher worth Rs. 1,000 or 1 domestic lounge access on quarterly spends of Rs. 1 Lakh or more.
1% fuel surcharge waiver (maximum Rs. 250 per statement cycle) across all fuel stations in India on a minimum transaction of Rs. 400 and a maximum of Rs. 5,000.
Pay your membership fee and get reward points equivalent to the fee amount.
Zero lost card liability on losing the card.
You can avail of HDFC loan on credit card too.
HDFC Bank IndianOil Credit Card
Joining and Annual Fee: Rs. 500 + taxes; Waived on spending Rs. 50,000 or more in the first year.
Key Features:
Earn up to 50 litres of free fuel annually.
Voucher worth Rs. 250 on card activation and completion of at least one transaction within 37 days of the card issuance date.
Earn 5% of your spending as Fuel Points at IndianOil outlets (maximum 250 Fuel Points per month in the first 6 months & 150 Fuel Points after 6 months from card issuance).
Earn 5% of your grocery spends and bill payments as Fuel Points (maximum 100 Fuel Points per month on each category for POS/online).
Earn 1 Fuel Point for spending every Rs. 150 on all other purchases, including UPI transactions.
Complimentary membership of the IndianOil XTRAREWARDSTM Program (IXRP).
Rs. 1,000 cashback on shopping in-app at 200+ brands.
1% fuel surcharge waiver (maximum Rs. 250 per statement cycle) across all fuel stations in India on a minimum transaction of Rs. 400.
HDFC Freedom Credit Card
Joining and Annual Fee: Rs. 500 + applicable taxes; Waived on spending Rs. 50,000 or more in the first year.
Key Features:
10X CashPoints on Big Basket, BookMyShow, Swiggy, OYO & Uber.
10% additional discount on Swiggy Dineout. Use coupon code HDFCCARDS.
1 Reward Point for spending every Rs. 150.
1% fuel surcharge waiver (maximum Rs. 250 per statement cycle) on fuel transactions of a minimum of Rs. 400 and a maximum of Rs. 5,000.
500 Reward Points on payment of the membership fee.
Additional CashPoints along with the card’s CashPoints on mobile recharge, utility bill, etc., by linking your card to PayZapp.
1000 CashPoints on shopping through PayZapp on 200+ brands.
Zero lost card liability on losing the card.
HDFC Infinia Metal Edition Credit Card
Joining and Annual Fee: Rs. 12,500 + applicable taxes; Waived on spending Rs. 10 Lakhs or more in a year.
Key Features:
12,500 reward points on fee realisation and card activation.
Book a stay for 3 nights and pay for only 2 at participating ITC hotels.
1+1 complimentary buffet at participating ITC hotels.
Complimentary Club Marriott membership for the first year, offering up to 25% discount for dining & stays across the Asia-Pacific region.
Unlimited access to 1000+ airport lounges across the world for Primary and Add-on members.
Unlimited complimentary golf games at some leading courses across India and select courses across the world.
100% green fee waiver at select golf courses across the world.
Up to 10x Reward Points on travel and shopping SmartBuy spends.
5 reward points for spending every Rs. 150.
24x7 Global Personal Concierge.
HDFC Diners Club Black Metal Edition Credit Card
Joining and Annual Fee: Rs. 10,000 + applicable taxes; Waived on spending Rs. 8 Lakhs or more in a year.
Key Features:
Complimentary annual memberships for Amazon Prime, Club Marriott, and Swiggy One, on spending Rs. 1.5 Lakhs within the first 90 days of the card issuance.
10,000 bonus reward points on spending Rs. 4 Lakhs every calendar quarter.
Up to 10x reward points through SmartBuy & 2X on weekend dining at standalone restaurants.
6 complimentary golf games per quarter on the finest courses in the world.
Unlimited access to 1300+ airport lounges in India & worldwide for primary and add-on card members.
2% on all foreign currency spends.
Air Accident Insurance worth Rs. 2 Crores, Emergency Overseas Hospitalisation worth Rs. 50 Lakhs, Travel Insurance Cover up to Rs. 55,000 on baggage delay, and Credit Liability Cover up to Rs. 9 Lakhs.
24x7 concierge services.
Swiggy HDFC Bank Credit Card
Joining and Annual Fee: Rs. 500 + applicable taxes; Waived on spending Rs. 2 Lakhs or more in a year.
Key Features:
This HDFC cash back credit card offers 10% cashback on the Swiggy app (Food ordering, Instamart, Dineout & Genie).
5% cashback on online spending across multiple apps and websites.
1% cashback on other categories.
Complimentary Swiggy One Membership for 3 months on card activation as a welcome benefit.
Access golf courses worldwide and get 12 free golf lessons and 4 free rounds of green fees per year.
Discounted golf services at 50% of the green fee after complimentary sessions.
HDFC Regalia Gold Credit Card
Joining and Annual Fee: Rs. 2,500 + applicable taxes
Key Features:
Complimentary MMT Black Gold and Swiggy One memberships as welcome benefits on spending Rs. 1 Lakh & above within 90 days of card issuance.
Rs. 1,500 worth of vouchers from Myntra/Nykaa on quarterly spends of Rs. 1.5 Lakhs.
Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakhs and Rs. 7.5 Lakhs.
With Boarding Edge Program, get complimentary Spa, Buffet, Hotel Room Upgrade, and Airport transfer (any 2 benefits every calendar quarter ) by uploading your boarding pass on SmartBuy.
Up to 10X rewards on booking hotels and flights through SmartBuy.
5X Reward Points on instant vouchers through SmartBuy.
Up to 10X rewards on Myntra, Pharmeasy, Apple Imagine Tresor, Jockey, etc. through SmartBuy.
5X Reward Points on spends at Nykaa, Myntra & Reliance Digital.
3 complimentary airport lounge visits within India per quarter on spending Rs. 60,000 or more in the previous calendar quarter.
6 complimentary airport lounge access per year outside India using Priority Pass.
5 Reward Points on spending per Rs. 200 on retail.
Accidental Air Death Cover worth Rs. 1 Crore, Emergency Overseas Hospitalization up to Rs. 15 Lakhs, and Credit Liability Cover up to Rs. 9 Lakhs.
HDFC Bank UPI RuPay Credit Card
Joining and Annual Fee: Fee: Rs. 99 + GST; Waived on spending Rs. 25,000 or more in a year.
Key Features:
3% CashPoints on groceries, supermarket & dining spends, and PayZapp transactions.
2% CashPoints on all utility payments.
1% CashPoint on all other spends (excluding rent, EMI, wallet loads, fuel, insurance payments & government categories).
A maximum of 500 CashPoints can be earned in a calendar month on each category.
Zero fuel surcharge.
This virtual card can be linked to UPI apps for convenient and secure transactions.
Tata Neu Plus HDFC Bank Credit Card
Joining and Annual Fee: Rs. 499 + GST; Waived on spending Rs. 1 Lakh or more in a year.
Key Features:
2% back as NeuCoins on non-EMI spends on Tata Neu & partner Tata brands.
1% back as NeuCoins on non-Tata brand spends and any merchant EMI spends
Up to 1% back as NeuCoins on eligible UPI spends.
Additional 5% back as NeuCoins on select categories on the Tata Neu app/website.
1 complimentary access per calendar quarter to domestic airport lounges on quarterly spending Rs. 50,000 or more.
1% fuel surcharge waiver (maximum Rs. 250 per statement cycle) on fuel transactions of a minimum of Rs. 400 and a maximum of 5,000.
499 NeuCoins on the Tata Neu app as a reversal of first-year membership fee.
1% reward point (maximum 1,000 per month) on every non-Shoppers Stop spends.
1% fuel surcharge waiver (maximum Rs. 250 per statement cycle) on fuel transactions of a minimum of Rs. 400 and a maximum of 5,000.
Rs. 500 worth of vouchers from Shoppers Stop, redeemable on any transaction at the Shoppers Stop store.
Reward Points worth Rs. 500 per month for a single purchase of Rs. 15,000 or more on Shoppers Stop on the weekend
This Rupay credit card can be linked to UPI apps for Scan & Pay transactions.
Flipkart Wholesale HDFC Bank Credit Card
Joining and Annual Fee: Rs. 499 + GST; Waived on spending Rs. 3 Lakhs or more in a year.
Key Features:
5% cashback on Flipkart Wholesale online spends. Maximum Rs. 2,000 per month.
5% cashback on Telecom, Utility, Government & Tax Payments. Up to Rs. 250 per month.
1% cashback on all other spends. Up to Rs. 25,000 per month.
1% fuel surcharge waiver (maximum Rs. 250 per statement cycle) on fuel transactions of minimum Rs. 400.
Rs. 500 cashback per transaction on first 3 purchases within 90 days of onboarding, on minimum transaction of Rs. 2,000 each and spending limited to Flipkart Wholesale online platforms only.
Exclusive SmartBuy Business portal for business cardholders.
The salaried applicant must be at least 21 years old and up to 40/60 years old (depending on the card variant).
The salaried applicant must be at least 21 years old and up to 40/65 years old (depending on the card variant).
Salaried applicants must have a minimum monthly income above Rs. 12,000/ 15,000/ 20,000/ 25,000/ 35,000/ 1,00,000/ 1,50,000/ 2,50,000 or above (depending on the card variant).
Self-employed applicants require a minimum annual ITR of above Rs. 6 Lakhs/ 18 Lakhs/ 30 Lakhs (depending on the card variant).
How to Check Eligibility for HDFC Credit Cards Online?
On HDFC Bank’s website, you can check your eligibility for various HDFC credit card types by providing your basic required details like age, income, occupation, etc. Upon knowing the cards available for you, choose the most suitable card as per your spending pattern and also after factoring in the available HDFC credit card types and charges applicable to them.
Documents Required
Apart from a duly filled application form, applicants also need to submit proof of identity, proof of address and proof of income. Given below is the detailed list of acceptable documents in each category when comparing and choosing among HDFC Bank credit card types.
Proof of identity: Passport, PAN Card, Aadhaar Card, Driver's License, Voter's ID (any one).
Proof of address: Aadhaar Card, Passport, Voter’s ID, Rental Agreement, Utility Bills not older than 3 months (any one)
Proof of income: Latest salary slips for salaried individuals, and Income Tax Return, Form 16, and Bank Statements.
HDFC Credit Card Types Fees & Charges
When comparing the various HDFC credit card types offered, it is important for you to have a look at the applicable charges and then finalize the best card according to your requirement and spending pattern. Below is the complete list of HDFC credit card fees and charges:
Credit Card Name
Joining/Annual Fee
Foreign Currency Transactions (% of Transaction Value)
In addition to the charges mentioned above, HDFC Bank also levies the charges mentioned below:
Conversion charges - Auto EMI: 20% p.a. Interest rate & Rs. 99 + GST processing fee; Applicable on every transaction (excluding Fuel, Gold, & Jewellery) of Rs. 10,000 or above done on Easy EMI Credit Card.
Railway ticket purchase fee: 1% of the transaction amount + GST.
Cash processing fee: Rs. 100.
Payment return charges: 2% of the payment amount (minimum Rs. 450).
Rewards redemption fee: Up to Rs. 99 per redemption request.
Cashback redemption fee: Up to Rs. 50 per redemption request.
Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
Rent pay/ utility/ education/ online skill based gaming/ wallet loading transactions charges: Up to 1% fee on the transaction amount.
Balance Transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher.
Insta Loan & Jumbo Loan processing fee: Up to Rs. 1,299 + GST.
Smart EMI processing fee: Up to Rs. 999 + GST.
Easy EMI processing fee: Up to Rs. 299 + GST.
Pre-closure charges: 3% of the balance principal outstanding.
Priority Pass lounge charges: Up to $27 (INR equivalent) + taxes per person per visit for select cards.
Card validation charges: Rs. 2 will be charged (all variants except MasterCard).
V2P SmartHub Vyapar charge on business cards: Interest of 1% + GST on the transaction amount.
Reissuance of lost/ stolen/ damaged card: Rs. 100.
Charges for cards issued against Fixed Deposit: 1.99% per month (23.88% annually).
Dynamic currency conversion Markup Fee: 1%.
Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
Default charges: Up to Rs. 1,300.
Overdue interest charges: 2.5% of the over-limit amount, a minimum of Rs. 550 (excluding Infinia, Infinia - Metal Edition).
How to Apply for HDFC Credit Card?
There are several ways to apply for the chosen HDFC Credit Card. You can either apply online through net banking, mobile banking or directly visit the HDFC bank branch nearest to you. Let’s understand the steps involved in the easiest process amongst these all, i.e. online submission of credit card application.
Visit the HDFC Bank website and click on the credit cards category to know the wide range of HDFC credit card types offered.
Check the diverse HDFC credit card types and features in order to help yourself in selecting the best one as per your requirement.
Then click on apply online and fill in the required details such as your name, date of birth, mobile number, email ID, city, income, PIN code, PAN number etc. Accordingly, enter the security code you got on your mobile and/or email, and then click on the Submit option.
Now, just wait to get an SMS/Email/call from HDFC Bank in order to take forward your credit card application.
Frequently Asked Questions (FAQs)
HDFC Bank offers an extensive range of credit cards and different HDFC credit card types aimed to meet various needs of consumer segments and to spend patterns like travel, fuel, shopping, cashback, etc. Finalize only after comparing various HDFC credit card types and their features and accordingly go for the credit card that best meets your eligibility and spending habits.
HDFC credit card users can conveniently check their HDFC Credit Card Statements Online. All you need to do is visit the HDFC website, log in to your account, go to the 'Cards' section, and then choose the ‘Enquire’ option in order to view your statement. Alternatively, you can also check your statement through the HDFC Mobile Banking App. If you had opted for mailed statements, then the statement would have been emailed to you as well.
The 4 main categories of credit cards available with HDFC Bank include Lifestyle, Everyday Rewards, Travel & Fuel, and Premium Credit Card.
Millennia, IndianOil, Pixel Play, and Freedom HDFC Bank Credit Cards are best and popular right now.
HDFC Bank offers a variety of credit card types under Popular, Premium, Everyday Rewards, Travel & Fuel, Lifestyle, Digital, and Others categories.
Updated On Jun 28, 2026
Written By
Written By Reshma RawatAssistant Content ManagerCredit Cards, Credit Score, Personal Loan, Home Loan, etc.
Reshma Rawat is a passionate writer with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra and writes blogs & webpages on financial products (loans, credit cards, insurance, government financial policies, mutual funds, etc.).
