Best HDFC Credit Card

HDFC Bank is the leading Credit Cards provider in India with the largest base of Credit Card users in the country. The ever-rising popularity of HDFC Credit Cards owes to its highly comprehensive and diversified range of plastic cards catering to the highest base of customers of the country of more than 130 million.

Primarily, HDFC cards are classified as Super Premium, Co-Brand, Professional, Premium Travel, Premium Women, Premium, Regular, Commercial, and CashBack Cards. Whether you are searching for your first ever Credit Card or need a dedicated Shopping Card, Travel Card, Fuel Card, Rewards Card or a particular usage base card, you can find the best match with HDFC Credit Card. Right from exclusive Teacher's Card, Doctor's Card, Women's Card, to Corporate Cards, HDFC has a customised card for each segment.

Based on your lifestyle choices, you can conveniently compare and choose the best HDFC credit card for yourself. You can compare cards based on joining & annual fees, rewards program, discount offers, shopping vouchers, airport lounge access, etc.

A quick glance at types of HDFC Credit Cards:

HDFC Super Premium Cards:

  1. HDFC Infinia
  2. HDFC Regalia
  3. HDFC Regalia First
  4. HDFC Diners Club Black
  5. HDFC Diners ClubMiles

Ideal for: HDFC Super Premium Cards are power packed credit cards for the users seeking excellence, comfort, and luxury on lifestyle & travel expenses.

Best HDFC Super Premium Cards :

  • HDFC Infinia
  • HDFC Diners Club Black

HDFC Co-Branded Cards:

  1. JetPrivilege HDFC Bank Signature
  2. JetPrivilege HDFC Bank Platinum
  3. Platinum Times Card
  4. Titanium Times Card
  5. Maruti Suzuki NEXA HDFC Bank AllMiles
  6. Snapdeal HDFC Bank

Ideal for: HDFC Co-branded Credit Cards are exclusively designed for users who seek a dedicated lifestyle, shopping or travel cards along with unlimited value back benefits.

Best HDFC Co-Branded Cards:

  • Best for Travel: JetPrivilege HDFC Bank Signature
  • Best for Entertainment: Platinum Times Card
  • Best for Shopping: Snapdeal HDFC Bank

HDFC Professional Cards:

  1. Doctor's Superia
  2. Teacher's Platinum

HDFC Premium Women

  1. HDFC Solitaire Card

HDFC Premium Cards

  1. Freedom
  2. Diners Club Premium
  3. Diners Club Rewardz

Ideal for:HDFC Premium cards are ideal for those who want to reap multiple benefits from a single card. These cards are the right mix of lifestyle, shopping, dining & entertainment card.

Best HDFC Premium Card:

  • HDFC Diners Club Premium
  • HDFC Regalia

HDFC Commercial Cards:

  1. Business Platinum
  2. Business Gold Credit Card
  3. Corporate Platinum
  4. Corporate World MasterCard
  5. Corporate Visa Signature
  6. Corporate Card
  7. Purchase Card
  8. Distributor Card

Ideal for: Self-employed businessmen, including small scale as well as large scale corporate houses seeking credit cards for themselves and their employees to meet everyday purchases, payments, and cash flow needs. The range of cards is designed to cater to all business needs such as capital, inventory, air tickets, hotel bookings, and 24X7 Concierge Services. You can get all this and more, with additional value back offers and discount schemes.

Best Commercial Cards:

    1. HDFC Business Platinum
    2. HDFC Corporate Card

HDFC CashBack

      1. Platinum Edge
      2. Titanium Edge
      3. MoneyBack

Ideal for: HDFC Cashback Cards are ideal for the first time card users. You can enjoy cashback and attractive rewards on each retail transaction including, dining, grocery, entertainment, etc.

Best HDFC Cashback Card:

    1. MoneyBack Credit Card

Top 10 HDFC Credit Cards

S.No. Credit Card Type Features & Benefits


HDFC Money Back Credit Card

Cashback Card

  • Joining & Renewal Fee: 500 + Applicable Taxes
  • Welcome & renewal benefit of 500 Reward Points each*
  • 2 Reward Points per 150 spends
  • 2 X Reward Points on online spends
  • 100 Reward Points = 20
  • Zero cost lost card liability on the report of card loss
  • Free accidental death insurance up to 50Lakhs* on 4 card usage in a month
  • Fire and burglary protection for goods above 5000 for 180 days*
  • 500 e-Voucher on spends of 50,000 in a Quarter


HDFC Solitaire Credit Card

Women Card/ Platinum

  • Exclusive credit card for Women
  • 1000 Reward points as Welcome/ Renewal benefit.
  • 1,000 worth Shoppers Stop vouchers on spends of 75,000 every 6 months
  • 3 Reward Points per 150 spent
  • 50% more Reward Points on dining & grocery; 2,880 Reward Points or more on dining & grocery shopping.
  • 100 Reward Points = 20
  • More than 2000 Cashback on points earned spending 5 lakh
  • Zero Lost Card liability post reporting of loss.
  • Free Accidental Death Insurance up to 50 Lakhs on 4 transactions monthly
  • Free Fire and Burglary protection for goods above 5000 for 180 days


JetPrivilege HDFC Bank Signature Card

Co-branded Card

  • Joining & Renewal Fees: 2,500 (Applicable GST)
  • Welcome Benefit up to 7500 Bonus JPMiles
  • One way base fare waived on Jet Airways ticket
  • 6 JPMiles per 150 spent, 18 JPMiles per flight booked on
  • 1 JP Tier Point on 2 lakh of spends.
  • Extended validity of JPMiles for 5 years
  • Check-in & baggage allowance
  • Complimentary access to International & Domestic Lounges
  • Renewal Fee waived on spends of 3 Lakh or more in the previous year.


HDFC Regalia Credit Card

Super Premium/ Travel & Lifestyle Card

  • Joining/Renewal fees: 2500 +applicable taxes; Renewal fees waived off on annual spends of 3 Lakh
  • Welcome/ Annual gift of 2500 points
  • Complimentary Airlines & Priority Pass membership
  • 4 Reward Points per 150 spent
  • Up to 15% off at 3000+ restaurants across India
  • 6 Complimentary International Lounge Visits
  • Complimentary Airport Lounge Access through PPM.
  • Lowest foreign currency mark-up
  • Earn 15,000 bonus points annually on spends of 8 Lakh


HDFC Diner Club
Black Credit Card

Super Premium/ International Lifestyle Card

  • Joining & Renewal Fee: 5000 + Applicable Taxes
  • Access to select Golf Clubs in India as Green Fee player
  • Welcome & Renewal benefit of 5,000 Reward Points each
  • Renewal fee waived off on spends of 5 Lakh in a year
  • Lowest revolving credit at 1.99% per month only
  • Lowest foreign currency mark up at 2%
  • Redeem Reward Points for equal amount Travel Vouchers, besides discount offers on Airline Tickets, Hotel booking at
  • 1 Reward Point = Re. 1 = 1 AirMile
  • Unlimited access to 700 domestic/ international Airport lounges
  • 24X7 Concierge Services
  • 5 Reward Points per 150 retail spends*
  • Air Accident Cover of 2 Crore*
  • Emergency Medical Cover up to 50 Lakh
  • Credit Liability Cover for up to 9 Lakh
  • Travel Insurance Cover up to 55,000 on baggage delay*

*Complimentary lounge access and insurance covers are for Primary cardholder only.
*Air Accident cover applicable only if tickets are purchased with HDFC Bank Diners credit card
*Travel Insurance is valid for International Travel up to 30 days only


HDFC Bank Platinum Plus Credit Card


  • 2 Reward Points per 150 spent
  • 50% more Reward Points spends above 50,000 in a statement cycle
  • Up to 3 free Add-on cards
  • Minimum of 4 transactions every month entails free accidental death insurance up to 50 Lakhs*
  • Free Fire & Burglary cover for 5000 above goods for 180 days
  • Zero liability on the lost card


HDFC Bank Infinia Credit Card

Super Premium

  • Joining/Renewal Fee: 10000 + Applicable Taxes
  • Exclusive lifestyle benefits on flight tickets, hotel stay, movie tickets & bill payments; Also earn 2X points on these
  • 10 points per 150 spent on bookings at HDFC Bank Infinia MyRewardz online portal
  • Joining gift of Taj Epicure Plus Plan & Inner Circle Gold membership
  • Complimentary Club Vistara Gold membership
  • Credit limit up to 10 lakh
  • Access to more than 700 domestic/ international airport lounges
  • Low mark up fees on foreign currency
  • Access to select golf courses
  • Exclusive dining privileges
  • Personal concierge services for dining reservations, travel assistance, and much more
  • Redeem points for travel & entertainment bookings and gifts.
  • Enjoy waiver on fuel surcharge
  • Minimum credit limit of 20 Lakh & No Pre-Set Spending Limit (NPSL) feature - no worry about credit limit
  • 5 Reward points on every 150 billed to the card
  • Complimentary international travel insurance cover for accidental death worth 3 crore
  • Medical emergency cover up to 50 Lakh
  • Credit shield cover of up to 9 Lakh in case of death
  • Assistance to information on reservation and referrals for travel, business services, major city information, and entertainment planning.


HDFC Corporate Card

Business Card

  • 24x7 online MIS availability; integrate with existing accounting systems, minimise paperwork & simplify reconciliation & compliance tasks
  • 5 Reward Points per 150 spent
  • 10X Reward Points on Merchant Partners
  • Complimentary Priority Pass Membership
  • Up to 10,000 Reward Points per statement cycle
  • 1 Reward Point = 1 Air Mile
  • Access 8 complimentary domestic lounge visits per year
  • Accident Insurance Cover of 1 Crore on air travel, 3 Lakh on rail or road travel.
  • 1% fuel surcharge waiver on fuel refills, up to 1000 saving per statement cycle


Platinum Times Card


Lifestyle Card

  • Flat 25% off on movie tickets; Discount of 4,000 or more on movie in a year
  • Up to 20% off on dining; 9,600 or more a year on dining
  • Discount vouchers as welcome gift
  • 3 Reward Points per 150 spent
  • 10 Reward Points on dining spends on weekdays
  • 600 annual saving on fuel transactions
  • Access to exclusive offers on
  • Minimum of 4 transactions with Credit Card every month earns you free accidental death insurance up to 50 Lakh
  • Free Fire & Burglary protection for goods above 5000 for 180 days


HDFC Bharat Credit Card

Cashback- for emerging India

  • Joining & Renewal Fee: 500 plus applicable taxes
  • 5% Cashback on everyday spends like IRCTC/ Bill Payment/ Mobile Recharge/ Fuel/ Groceries
  • 5% Cashback even on EasyEMI/ SmartBUY/ PayZapp spends
  • Zero Lost Card liability
  • Save up to 3600 using Bharat Card
  • Renewal fee waived on spends of 50,000 or more in a year
  • Minimum of 4 transactions every month gets you free accidental death insurance up to 50 Lakh
  • Free Fire & Burglary protection for goods above 5000 for 180 days

The above list of the top 10 HDFC credit cards is based on the popularity of these HDFC Cards. There is no one-size-fits-all product. You must compare the features of different cards and choose the best match according to your specific needs.

Eligibility and Documents required for HDFC credit cards

  • The applicant should be an Indian Citizen.
  • A stable source of monthly income is a must.
  • A salaried individual must be at least 21 years old and not more than 60 years old. To avail your first HDFC Card, the monthly gross income should be more than 12,000. However, the income criteria would vary as per the Card. The premium cards come at a premium cost, while regular cards are available at as low as 500 per year.
  • A self-employed person should be at least 21 years old and not more than 65 Years of age. The business should file ITR, and annual income should be at least 2 Lakh per year.
  • Documents Required: You would require a copy of any one of the following valid documents to prove your identity, address, age, and income.

Proof of Identity:

Aadhar Card/ Pan card/ Driving License/ Voter's ID card/ Passport

Proof of Residence:

Latest utility bills like telephone bill, electricity bill, insurance premium etc/ Bank statement/ Rent agreement/ Voter ID card/ Ration card/ Passport/ Driving License.

Proof of Income:

For Salaried: Salary Slips for the last 3 months, Salary Account Bank statements for 6 months

For self-employed: Latest ITR and proof for business continuity

Proof of Age:

Birth certificate/ Class Xth Certificate, Passport, Voter ID card

How to apply for the best HDFC Credit Card?

You can either visit a branch of the bank physically or apply on the official website.

Alternatively, you can also apply on It is fast, safe and completely hassle-free to apply for Credit Card online via MyMoneyMantra Portal.

We are India's leading financial services distribution company serving customers from 30 years. You can call, email or fill a 30-second form on the website. As you share your interest for a credit card, a unique customer id is allotted to you which is OTP protected. A card representative will call you and assist you in finding out the best match credit card for your needs and lifestyle choices.

We help customers find the best credit cards without any additional charges. We assure the fastest processing backed by doorstep delivery of the card.

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