Best HDFC Bank Credit Cards
HDFC Bank is India's largest credit card issuer, offering a comprehensive lineup of cards. From the super-premium Infinia Metal Edition (the gold standard for reward rates) to the popular Regalia Gold travel card and the cashback-focused Swiggy HDFC card, compare HDFC's top picks for rewards, travel, and shopping.
Top Credit Cards Comparison Table
| Credit Card | Joining Fee | Annual Fee | Key Reward Rate | Action |
|---|---|---|---|---|
| HDFC Bank Infinia Metal | Rs. 12,500 | Rs. 12,500 | 5 reward points per Rs. 150 and SmartBuy acceleration as listed by HDFC Bank. | Compare Apply |
| HDFC Bank Regalia | Rs. 2,500 | Rs. 2,500 | Reward points on eligible spends; check current HDFC Bank card page. | Compare Apply |
| HDFC Bank Regalia Gold | Rs. 2,500 | Rs. 2,500 | 4 reward points per Rs. 150; 5X on selected brands as listed by HDFC Bank. | Compare Apply |
| HDFC Bank Millennia | Rs. 1,000 | Rs. 1,000 | 5% cashback on selected merchants and 1% on other spends as listed by HDFC Bank. | Compare Apply |
| HDFC Bank MoneyBack | Rs. 500 | Rs. 500 | Reward points on eligible spends; online acceleration may vary by variant. | Compare Apply |
| HDFC Bank MoneyBack+ | Rs. 500 | Rs. 500 | 10X CashPoints on selected partners and base points on other spends. | Compare Apply |
| HDFC Bank Swiggy HDFC | Rs. 500 | Rs. 500 | 10% cashback on Swiggy and 5% on selected online spends as listed by HDFC Bank. | Compare Apply |
| HDFC Bank Tata Neu Infinity | Rs. 1,499 | Rs. 1,499 | Up to 10% back as NeuCoins on Tata Neu ecosystem spends as listed by HDFC Bank. | Compare Apply |
Detailed Card Reviews
HDFC Bank Infinia Metal
Invite-only HDFC super-premium metal card with concierge, golf, and unlimited lounge privileges.
- Metal card
- Unlimited lounge
- Golf games
HDFC Bank Regalia
Premium HDFC card for travel rewards, lounge access, and everyday lifestyle benefits.
- Reward points
- Domestic lounge
- Travel benefits
HDFC Bank Regalia Gold
Premium travel card with Club Vistara/MMT welcome value, accelerated brands, and lounge access.
- 5X partner rewards
- Domestic lounge
- International lounge
HDFC Bank Millennia
Cashback-led HDFC card for digital-first shoppers and food delivery users.
- 5% cashback partners
- 1% other spends
- Quarterly voucher
HDFC Bank MoneyBack
Entry HDFC card for everyday reward points and basic fuel surcharge waiver.
- Reward points
- Online rewards
- Fuel waiver
HDFC Bank MoneyBack+
Everyday rewards card with 10X CashPoints on selected shopping and grocery partners.
- 10X CashPoints
- Quarterly vouchers
- Fuel waiver
HDFC Bank Swiggy HDFC
Food and online cashback card with Swiggy, Instamart, Dineout, and partner value.
- 10% Swiggy cashback
- 5% online cashback
- Swiggy One
HDFC Bank Tata Neu Infinity
Premium Tata Neu card for NeuCoins, UPI variants, lounge access, and Tata ecosystem value.
- NeuCoins
- UPI rewards
- Domestic lounge
Why Choose an HDFC Bank Credit Card?
HDFC Bank cards are famous for their high reward points ecosystems and merchant discount promotions on e-commerce platforms like Amazon and Flipkart. The HDFC SmartBuy portal offers accelerated rewards (up to 10X points) on flight bookings, hotel stays, and gift vouchers.
HDFC Card Tiers Explained
- Super-Premium: HDFC Infinia Metal and Diners Club Black. Available by invite-only or strict income limits.
- Travel & Premium: HDFC Regalia Gold. Offers premium travel perks, lounge access, and milestone vouchers.
- Shopping & Cashback: HDFC Swiggy, Millennia, and Tata Neu Infinity. Focused on direct cashback and co-branded savings.
Frequently Asked Questions
How can I check my HDFC credit card eligibility?
You can check eligibility on HDFC's official net banking portal. Salaried individuals earning Rs. 25,000+ per month are generally eligible for entry-level cards.
What is the reward value on HDFC Infinia?
Each reward point on HDFC Infinia is worth Rs. 1.00 when redeemed for flights and hotels on the SmartBuy portal, yielding an effective reward rate of up to 33% on accelerated categories.