1. Tata Neu Infinity HDFC Bank Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹4,860* a year
The Tata Neu Infinity HDFC Bank Credit Card gives 5% back as NeuCoins on Tata Neu and partner Tata brands, and 1.5% on most other spends. NeuCoins are worth ₹1 each but can be used only on Tata Neu and eligible Tata brands.
- 5% on Tata Neu brands
- 1.5% on other spends
2. IndianOil HDFC Bank Credit Card
Annual fee ₹500 · Rewards up to 4.8% · You keep ₹3,693* a year
The IndianOil HDFC Bank Credit Card gives 5% back as Fuel Points at IndianOil outlets and on groceries and bill payments, within small monthly caps. Fuel Points give the most value when you use them for free fuel at IndianOil.
- 4.8% on IndianOil pumps
- 4.8% on groceries
- 4.8% on bills and utilities
- 0.64% on other spends
3. HDFC Bank Diners Club Privilege Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹3,240* a year
The HDFC Bank Diners Club Privilege Credit Card suits people who order food online and travel now and then. It gives 5X reward points on Swiggy and Zomato, 4 points per ₹200 on other spends, and lounge visits on a quarterly spend condition.
- 5% on Swiggy, Zomato
- 1% on other spends
4. HDFC Bank Millennia Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹3,240* a year
The HDFC Bank Millennia Credit Card gives 5% cashback on 10 online merchants and 1% on most other spends. Each rate has a monthly limit of 1,000 CashPoints.
- 5% on Amazon, Flipkart, Myntra, Swiggy
- 1% on other spends
- HDFC BankHDFC Bank Pixel GoVISA
5. HDFC Bank Pixel Go Credit Card
Annual fee ₹250 · Rewards up to 5% · You keep ₹3,240* a year
The HDFC Bank Pixel Go Credit Card is a low-fee starter card. It gives 1% cashback on eligible spends with no monthly limit, and 5% on HDFC Bank SmartBuy.
- 1% on other spends
6. HDFC Bank Pixel Play Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,240* a year
The HDFC Bank Pixel Play Credit Card lets you pick two 5% cashback packs, such as food, travel or fashion, and one shopping site for 3%. It suits people who spend most of their money with a few favourite brands.
- 5% on Zomato
- 5% on BookMyShow
- 5% on MakeMyTrip, Uber
- 5% on Blinkit, Reliance Smart Bazaar
7. HDFC Bank RuPay IRCTC Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,240* a year
The HDFC Bank RuPay IRCTC Credit Card suits people who book train tickets often. It gives 5 reward points per ₹100 on IRCTC, worth ₹1 each on train tickets, and 8 railway lounge visits a year.
- 5% on IRCTC
- 1% on groceries
- 1% on other spends
8. Tata Neu Plus HDFC Bank Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹3,240* a year
The Tata Neu Plus HDFC Bank Credit Card gives 2% back as NeuCoins at partner Tata brands and 1% on other spends. NeuCoins are worth ₹1 each on Tata Neu and eligible Tata brands.
- 2% on Tata Neu brands
- 1% on groceries
- 1% on bills and utilities
- 1% on other spends
9. Shoppers Stop HDFC Bank Credit Card
Annual fee ₹299 · Rewards up to 3% · You keep ₹2,167* a year
The Shoppers Stop HDFC Bank Credit Card gives 3% back as reward points at Shoppers Stop and 1% on other spends, worth ₹1 a point on Shoppers Stop vouchers. It suits people who shop at Shoppers Stop often, for a ₹299 yearly fee.
- 3% on Shoppers Stop
- 1% on other spends
10. HDFC Bank UPI RuPay Credit Card
Annual fee ₹99 · Rewards up to 0.75% · You keep ₹1,440* a year
The HDFC Bank UPI RuPay Credit Card is a virtual card that lets you pay on UPI apps using credit. It is issued only as an add-on to another HDFC Bank credit card, and it earns CashPoints worth ₹0.25 each.
- 0.75% on groceries
- 0.75% on dining and food delivery
- 0.5% on bills and utilities
- 0.25% on other spends
- HDFC BankHDFC Bank BizPowerVISA
11. HDFC Bank BizPower Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹1,100* a year
The HDFC Bank BizPower Credit Card is a business card that earns 5 reward points per ₹200, and up to 5X on tax, GST, bill, ads and business travel payments once you spend ₹25,000 in a cycle. It suits business owners with ₹12 lakh or more in yearly income who can use points on SmartBuy travel.
- 1.25% on groceries
- 1.25% on bills and utilities
- 1.25% on other spends
12. HDFC Bank Regalia Gold Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹1,100* a year
The HDFC Bank Regalia Gold Credit Card suits people who travel and spend ₹4 lakh or more a year. It gives 5 reward points per ₹200, a 2% forex markup and lounge visits in India and abroad.
- 6.25% on Myntra, Nykaa, Reliance Digital, Marks & Spencer
- 1.25% on groceries
- 1.25% on other spends
13. HDFC Bank MoneyBack+ Credit Card
Annual fee ₹500 · Rewards up to 2% · You keep ₹648* a year
The HDFC Bank MoneyBack+ Credit Card earns 10X CashPoints at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, and 2 CashPoints per ₹200 on other spends. It also gives a ₹500 voucher on ₹50,000 of spends in a calendar quarter.
- 2% on Amazon, BigBasket, Flipkart, Swiggy
- 0.2% on other spends
14. HDFC Bank BizFirst Credit Card
Annual fee ₹500 · Rewards up to 0.2% · You keep ₹360* a year
The HDFC Bank BizFirst Credit Card is an entry-level business card that earns CashPoints on bills, EMIs and everyday business spends, with a ₹500 fee waived on ₹50,000 of yearly spends. CashPoints are worth ₹0.10 each against your statement.
- 0.2% on bills and utilities
- 0.1% on other spends
15. HDFC Bank Freedom Credit Card
Annual fee ₹500 · Rewards up to 0.75% · You keep ₹243* a year
The HDFC Bank Freedom Credit Card is a low-fee card with a low income requirement. It gives 10X CashPoints at BigBasket, BookMyShow, OYO, Swiggy and Uber, and its fee is waived on spends of ₹50,000 in a year.
- 0.75% on BigBasket
- 0.75% on Swiggy
- 0.75% on OYO, Uber
- 0.75% on BookMyShow
16. Shoppers Stop Black HDFC Bank Credit Card
Annual fee ₹4,500 · Rewards up to 7%
The Shoppers Stop Black HDFC Bank Credit Card gives 7% back as reward points at Shoppers Stop and 2% on other spends, worth ₹1 a point on Shoppers Stop vouchers, with 24 lounge visits a year. It suits big Shoppers Stop spenders who can use the ₹4,500 yearly fee's worth of benefits.
- 7% on Shoppers Stop
- 2% on other spends
17. HDFC Bank Diners Club Black Metal Edition Credit Card
Annual fee ₹10,000 · Rewards up to 6.67%
The HDFC Bank Diners Club Black Metal Edition Credit Card is a premium card for high spenders who travel. It earns 5 reward points per ₹150, worth up to ₹1 each on flights and hotels, with unlimited lounge access and a 2% forex markup.
- 3.33% on other spends
18. HDFC Bank Infinia Metal Credit Card
Annual fee ₹12,500 · Rewards up to 3.33%
The HDFC Bank Infinia Metal Credit Card earns 5 reward points per ₹150, worth ₹1 each on SmartBuy flights and hotels, with unlimited lounge access worldwide and a 2% forex markup. It is by invitation only, and the ₹12,500 fee is waived on ₹10 lakh of yearly spends.
- 3.33% on groceries
- 3.33% on bills and utilities
- 3.33% on other spends
19. Swiggy HDFC Bank Credit Card
Annual fee ₹500 · Rewards up to 10% · You keep ₹3,240* a year
The Swiggy HDFC Bank Credit Card gives 10% cashback on the Swiggy app and 5% at select online merchants. HDFC Bank is phasing out this card and moving holders to the Swiggy Ornge or Swiggy BLCK card in stages.
- 10% on Swiggy
- 5% on Swiggy card partner shops
- 1% on other spends
Compare these cards
How to choose a HDFC credit card
- Start with where you spend the most, then look for the card that pays on it.
- Check the limit on the top rate, and which spends earn nothing.
- See if you can reach the fee waiver with your normal spending.
- Read the age and income rules on the card page before you apply.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Which HDFC credit card is the best?
It depends on how you spend. On our example spending, Tata Neu Infinity HDFC Bank Credit Card comes first, but your result will differ. Try the credit card finder with your own numbers.
Which HDFC credit card has the lowest annual fee?
HDFC Bank UPI RuPay Credit Card has the lowest annual fee of the cards we have checked, at ₹99 before GST.
How many HDFC credit cards have you checked?
We have checked 19 so far, against HDFC Bank's own terms: HDFC Bank BizFirst Credit Card, HDFC Bank BizPower Credit Card, HDFC Bank Diners Club Black Metal Edition Credit Card, HDFC Bank Diners Club Privilege Credit Card, HDFC Bank Freedom Credit Card, HDFC Bank Infinia Metal Credit Card, HDFC Bank Millennia Credit Card, HDFC Bank MoneyBack+ Credit Card, HDFC Bank Pixel Go Credit Card, HDFC Bank Pixel Play Credit Card, HDFC Bank Regalia Gold Credit Card, HDFC Bank RuPay IRCTC Credit Card, HDFC Bank UPI RuPay Credit Card, IndianOil HDFC Bank Credit Card, Shoppers Stop Black HDFC Bank Credit Card, Shoppers Stop HDFC Bank Credit Card, Swiggy HDFC Bank Credit Card, Tata Neu Infinity HDFC Bank Credit Card and Tata Neu Plus HDFC Bank Credit Card.
Who decides if I get a HDFC credit card?
HDFC Bank alone decides approval and your credit limit, based on its own rules. Age and income rules are on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money