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HDFC Bank Credit Cards 2026

Explore all credit cards from HDFC Bank. 42 cards ranked by our experts.

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Showing 42 cards

Best for: High-net-worth individuals seeking unlimited lounge access, 3.33% rewards on travel, comprehensive insurance, and premium golf benefits. Ideal for Rs. 10+ lakh annual spenders.
HDFC Infinia Metal Edition

HDFC Infinia Metal Edition

3.1 CardNitty rating
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Annual fee

₹12,500

Rewards rate

₹3.33 - ₹19.16/₹100

Joining fee

₹12,500

Interest rate

23.88%

Card details
Forex Markup
2.00%
Categories Lounge Access, Premium
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CardNitty's take

Pros

  • Industry-leading 3.33% reward rate with 1:1 value on SmartBuy
  • Unlimited global lounge access via Priority Pass
  • Rs. 3 Cr air accident + Rs. 50 lakh medical insurance
  • Lowest forex markup at 2% among premium cards
  • Unlimited golf games and lessons worldwide
  • No reward redemption or cash advance fee

Cons

  • Strictly invite-only - no direct application
  • Rs. 12,500 annual fee (waived at Rs. 10L spend)
  • Monthly caps on SmartBuy rewards (15,000 points)
  • No rewards on fuel, rent, government transactions
Read full review
Best for: Frequent travellers who value unlimited lounge access, high reward rates via SmartBuy, and premium lifestyle benefits including golf and complimentary subscriptions.
HDFC Diners Club Black

HDFC Diners Club Black

3.7 CardNitty rating
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Annual fee

₹10,000

Rewards rate

₹1.67 - ₹10.84/₹100

Joining fee

₹10,000

Interest rate

23.88%

Card details
Forex Markup
2.00%
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international airport lounge access
  • 10X reward points on SmartBuy portal with Rs. 1/point value
  • Complimentary memberships: Amazon Prime, Club Marriott, Times Prime, MMT Black
  • 6 complimentary golf games per quarter worldwide
  • Rs. 2 crore air accident cover and Rs. 50 lakh emergency medical
  • Low forex markup of 2% + GST

Cons

  • High annual fee of Rs. 10,000 + GST
  • Limited Diners Club network acceptance in some countries
  • Reward points capped on utility, grocery, and insurance categories
  • No reward points on fuel, wallets, rent, and EMI
Read full review
Best for: Frequent travelers, dining enthusiasts, and high spenders looking for 3.33% base reward rate, unlimited lounge access, and complimentary golf.
HDFC Diners Club Black Metal Edition

HDFC Diners Club Black Metal Edition

3.6 CardNitty rating
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Annual fee

₹10,000

Rewards rate

₹3.33/₹100

Joining fee

₹10,000

Interest rate

23.88%

Card details
Forex Markup
2.00%
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 3.33% base reward rate on all spends
  • Unlimited airport lounge access for primary and add-on cardholders
  • 10X reward points on SmartBuy hotel bookings
  • 6 complimentary golf games per quarter
  • Rs 2 crore air accident insurance
  • 24x7 global concierge service
  • Reward points worth Rs 1 each on SmartBuy

Cons

  • Diners Club network has limited offline acceptance in India
  • No fuel surcharge waiver on the Metal Edition
  • High annual fee of Rs 10,000 + GST
  • Renewal fee waiver requires Rs 8 lakh annual spend
Read full review
Best for: Frequent travelers seeking lounge access, SmartBuy shoppers wanting accelerated rewards, and those who value travel insurance and low forex markup.
HDFC Regalia

HDFC Regalia

3.7 CardNitty rating
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Annual fee

₹2,500

Rewards rate

₹1.33 - ₹7.33/₹100

Joining fee

₹2,500

Interest rate

45.00%

Card details
Forex Markup
2.00%
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Strong 2.67% base reward rate at best redemption
  • Up to 10x accelerated rewards via SmartBuy
  • Rs 1 crore air accident + Rs 15L medical cover
  • 8 domestic + 6 international lounge visits/year
  • Low 2% forex markup
  • Fee waiver on Rs 3L annual spend

Cons

  • Many categories excluded from earning points
  • Points expire after 2 years
  • Domestic lounge requires Rs 1L quarterly spend
  • SmartBuy accelerated rewards capped at 4,000 pts/month
  • Rs 99 redemption fee per request
Read full review
Best for: Frequent travelers and high-spenders who want premium lounge access, milestone rewards, and low forex markup at an affordable Rs. 2,500 annual fee.
HDFC Regalia Gold

HDFC Regalia Gold

3.5 CardNitty rating
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Annual fee

₹2,500

Rewards rate

₹1.33 - ₹5.83/₹100

Joining fee

₹2,500

Interest rate

45.00%

Card details
Forex Markup
2.00%
Categories Lifestyle, Lounge Access
View full details
CardNitty's take

Pros

  • 12 complimentary domestic + 6 international lounge visits
  • Low 2% forex markup (vs 3.5% industry standard)
  • Excellent milestone rewards - up to Rs. 11,500 annually
  • Best-in-class point value at Rs. 0.65 via Gold Catalogue

Cons

  • High Rs. 4 Lakh spend required for fee waiver
  • No reward points on fuel, rent, and wallet loading
  • 50,000 monthly cap on reward earning and redemption
Read full review
Best for: Young professionals and online shoppers who frequently use Amazon, Flipkart, Swiggy, Zomato, and other popular platforms
HDFC Millennia

HDFC Millennia

3.4 CardNitty rating
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Annual fee

₹1,000

Rewards rate

₹1.00 - ₹3.00/₹100

Joining fee

₹1,000

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Cashback, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Attractive 5% cashback on 10 popular online brands
  • Low annual fee of Rs 1,000 easily waived on Rs 1L spend
  • 1 CashPoint = Rs 1 for statement credit - simple redemption
  • Quarterly milestone vouchers worth Rs 1,000 each
  • Dining discount via Swiggy Dineout

Cons

  • Monthly cashback cap of only 2,000 CashPoints (Rs 2,000)
  • High 3.5% forex markup for international transactions
  • Lounge access now requires quarterly spend milestone
  • No insurance or premium lifestyle benefits
Read full review
Best for: Dining enthusiasts, SmartBuy shoppers, and domestic travellers seeking a well-rounded rewards card with quarterly milestone vouchers and lounge access at a moderate annual fee.
HDFC Diners Club Privilege

HDFC Diners Club Privilege

3.6 CardNitty rating
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Annual fee

₹1,000

Rewards rate

₹1.33 - ₹9.16/₹100

Joining fee

₹1,000

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Dining, Lifestyle, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Up to 10X reward points on SmartBuy partners with 13.3% effective reward rate
  • 5X accelerated rewards on Swiggy and Zomato dining orders
  • 8 complimentary airport lounge visits per year across 1000+ lounges worldwide
  • Quarterly milestone voucher of Rs 1,500 on Rs 1.5 lakh spend
  • Comprehensive insurance cover including Rs 1 Cr air accident and Rs 25 Lakh medical
  • BookMyShow Buy 1 Get 1 Free on weekend movie tickets

Cons

  • Limited merchant acceptance due to Diners Club network compared to Visa/Mastercard
  • High forex markup of 3.5% plus GST makes it poor for international spends
  • No fuel surcharge waiver and fuel transactions earn zero reward points
  • Lounge access requires Rs 15,000 spend in previous quarter
Read full review
Best for: Frequent shoppers across Tata brands (BigBasket, Croma, Westside, Air India, Tanishq, Titan) who can maximize the 5% NeuCoins earn rate on the Tata ecosystem.
Tata Neu Infinity HDFC Bank

Tata Neu Infinity HDFC Bank

3.5 CardNitty rating
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Annual fee

₹1,499

Rewards rate

₹1.50 - ₹5.00/₹100

Joining fee

₹1,499

Interest rate

45.00%

Card details
Forex Markup
2.00%
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Excellent 5% reward rate on Tata partner brands
  • 1 NeuCoin = Rs 1 redemption value across Tata ecosystem
  • Welcome benefit offsets joining fee
  • 8 domestic + 4 international lounge visits per year
  • Rs 1 Crore air accident insurance
  • 2% forex markup (lower than many cards)
  • Available in both Visa and RuPay variants

Cons

  • No rewards on fuel, wallet, rent, or government spends
  • Monthly caps on grocery, utility, insurance, and telecom categories
  • Domestic lounge now requires Rs 50K quarterly spend milestone
  • NeuCoins only redeemable within Tata ecosystem
  • NeuCoins expire in 12 months
  • Education payments via 3rd-party apps (CRED, MobiKwik) excluded from rewards
Read full review
Best for: Online shoppers who frequently buy from Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart. First-time credit card users seeking an affordable entry-level rewards card with low annual fee.
HDFC MoneyBack Plus

HDFC MoneyBack Plus

3.4 CardNitty rating
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Annual fee

₹500

Rewards rate

₹0.33 - ₹3.33/₹100

Joining fee

₹500

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 3.33% valueback on 5 popular online merchants
  • Low annual fee of Rs. 500 with easy waiver
  • Quarterly milestone vouchers worth Rs. 500 each
  • Multiple redemption options including SmartBuy
  • Flexible CashPoints redeemable as cashback, travel, airmiles
  • Contactless payment enabled

Cons

  • No airport lounge access
  • Reward points expire after 2 years
  • No rewards on fuel, rent, government, EMI transactions
  • Grocery rewards capped at 1,000 points per month
  • 10X CashPoints capped at 2,500 per month
  • High forex markup of 3.5%
Read full review
Best for: Frequent Tata brand shoppers (Croma, BigBasket, Westside, Tata CLiQ) who want to maximize cashback on everyday Tata ecosystem purchases.
Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹499

Rewards rate

₹1.00 - ₹1.50/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Forex Markup
2.00%
Categories Cashback, Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 7% NeuCoins on Tata Neu App with NeuPass
  • 2% NeuCoins on Tata brand purchases
  • 1 NeuCoin = Rs 1 simple redemption value
  • Low annual fee of Rs 499 with easy waiver at Rs 1 lakh spend
  • Domestic lounge access on quarterly spend milestones
  • Available in both Visa and RuPay variants with UPI support

Cons

  • No international lounge access
  • No movie or dining benefits
  • Lounge access requires Rs 50,000 quarterly spend milestone
  • NeuCoins valid only for 12 months
  • Only 1% rewards on non-Tata spends
Read full review
Best for: Individuals seeking an affordable rewards credit card with dining benefits, insurance coverage, and milestone bonus points at a low annual fee of Rs 1,000.
HDFC Regalia First

HDFC Regalia First

3.2 CardNitty rating
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Annual fee

₹1,000

Rewards rate

₹0.60 - ₹2.00/₹100

Joining fee

₹1,000

Interest rate

45.00%

Card details
Forex Markup
2.00%
Categories Dining, Lifestyle, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs 1,000 waivable on Rs 1L spend
  • Generous milestone bonuses up to Rs 2,250 per year
  • Up to 20% dining savings via Swiggy Dineout
  • Rs 1 Crore air accident insurance cover
  • Fuel surcharge waiver on all fuel stations

Cons

  • Airport lounge access discontinued since Dec 2023
  • Low base reward rate (0.6% effective)
  • Grocery and utility reward points capped at 2,000/month
  • High forex markup of 2%
Read full review
Best for: Frequent Marriott hotel guests who want to earn free night stays, Silver Elite status, and maximize hotel rewards at an affordable annual fee.
Marriott Bonvoy HDFC Bank

Marriott Bonvoy HDFC Bank

3.3 CardNitty rating
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Annual fee

₹3,000

Rewards rate

₹0.67 - ₹2.67/₹100

Joining fee

₹3,000

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Lifestyle, Lounge Access, Travel
View full details
CardNitty's take

Pros

  • Affordable joining and annual fee of Rs. 3,000 + GST with excellent value
  • Up to 4 Free Night Awards per year including welcome and milestones
  • Complimentary Marriott Bonvoy Silver Elite Status with priority late checkout
  • 12 domestic and 12 international airport lounge visits per year
  • 8 complimentary golf rounds and lessons per year via Diners Club

Cons

  • Diners Club network has limited acceptance at many merchants in India and internationally
  • No annual fee waiver option based on spending
  • Reward rates on non-hotel spends are relatively low at 0.67% to 1.33%
  • Forex markup of 3.5% makes it expensive for international transactions
Read full review
Best for: Frequent travellers who want to accumulate airmiles through everyday spending, with access to airport lounges and comprehensive travel insurance at an affordable annual fee.
HDFC Diners Club Miles

HDFC Diners Club Miles

3.9 CardNitty rating
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Annual fee

₹1,000

Rewards rate

₹9.16/₹100

Joining fee

₹1,000

Interest rate

43.20%

Card details
Forex Markup
3.00%
Categories Dining, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Best-in-class 1:1 airmile transfer ratio with Singapore Airlines, British Airways, and Club Vistara
  • 10X accelerated rewards on partner brands via SmartBuy
  • 6 complimentary domestic and international lounge visits per year
  • Comprehensive insurance coverage including Rs. 1 Crore air accident
  • Low annual fee of Rs. 1,000 with easy spend-based waiver at Rs. 1 lakh
  • 24/7 concierge service for travel assistance

Cons

  • Limited Diners Club network acceptance, especially in India - need a backup Visa/Mastercard
  • Foreign currency markup of 3% plus GST is on the higher side
  • 10X reward points capped at only 5,000 per month
  • Reward redemption fee of Rs. 99 per request
Read full review
Best for: Self-employed business professionals seeking lounge access, reward points on business expenses, and 24x7 concierge services with a manageable annual fee.
HDFC Business Regalia

HDFC Business Regalia

3.2 CardNitty rating
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Annual fee

₹2,500

Rewards rate

₹1.33/₹100

Joining fee

₹2,500

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Business, Lifestyle, Lounge Access, Premium, Rewards
View full details
CardNitty's take

Pros

  • Strong reward rate of 4 RPs per Rs. 150 including insurance and utility spends
  • 8 domestic + 6 international lounge visits per year via Priority Pass
  • 24x7 concierge services for travel and entertainment
  • Annual fee waiver on Rs. 3 Lakh spend
  • Milestone bonus of up to 15,000 reward points annually

Cons

  • High forex markup of 3.5% makes it poor for international spending
  • Insurance benefits reportedly discontinued from April 2025
  • Domestic lounge access now requires Rs. 1 Lakh quarterly spend
  • No welcome benefits currently offered
Read full review
Best for: PhonePe users, UPI payments, online shopping, beginners in credit cards, utility bill payments
PhonePe HDFC Bank Uno

PhonePe HDFC Bank Uno

3.3 CardNitty rating
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Annual fee

₹499

Rewards rate

₹1.00 - ₹1.50/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Entry Level, Fintech, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Low annual fee of Rs.499 with easy fee waiver
  • Welcome benefits effectively cover joining fee
  • 2% rewards on PhonePe categories
  • 1% rewards on popular online brands
  • UPI Scan & Pay rewards
  • RuPay network enables UPI payments

Cons

  • No airport lounge access
  • No insurance or lifestyle benefits
  • Limited international acceptance (RuPay network)
  • Reward points capped at 500 per category per month
  • Low redemption value (Rs.0.30) for non-cashback options
Read full review
Best for: Regular IndianOil fuel station users who also spend on groceries and utility bills. Best suited for individuals looking for a low-fee fuel credit card with UPI support via RuPay network.
IndianOil HDFC Bank

IndianOil HDFC Bank

3.6 CardNitty rating
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Annual fee

₹500

Rewards rate

₹0.64 - ₹7.30/₹100

Joining fee

₹500

Interest rate

41.88%

Card details
Forex Markup
3.50%
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Accelerated 5% Fuel Points at IndianOil outlets, groceries, and bill payments
  • Fuel surcharge waiver of 1% at all petrol pumps across India
  • Excellent redemption rate of Rs. 0.96 per Fuel Point via XTRAREWARDS
  • Low annual fee of Rs. 500 with easy waiver on Rs. 50,000 spend
  • RuPay network enables UPI-linked credit card payments
  • Complimentary IndianOil XTRAREWARDS Program membership
  • Up to 50 litres of free fuel annually

Cons

  • Low monthly caps on Fuel Points (150 FP after 6 months)
  • Complex redemption process requiring XTRAREWARDS conversion
  • No lounge access, travel, dining, or shopping benefits
  • High forex markup of 3.5% makes it poor for international use
  • Fuel Points value drops to Rs. 0.20 for non-fuel redemptions
Read full review
Best for: Young spenders who want customizable cashback on dining, fashion, travel, grocery, and electronics brands with a low annual fee
HDFC Pixel Play

HDFC Pixel Play

3.9 CardNitty rating
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Annual fee

₹500

Rewards rate

₹1.00 - ₹5.00/₹100

Joining fee

₹500

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Cashback, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Up to 5% cashback on 10 popular partner brands across 5 customizable categories
  • Low annual fee of Rs 500, easily waivable on Rs 1L spend
  • 1% unlimited cashback on all other eligible spends
  • Digital-first card with instant issuance via PayZapp
  • Additional 5% cashback on HDFC SmartBuy platform
  • Dual network option with Visa physical + RuPay digital card

Cons

  • CashPoints redemption restricted to PayZapp wallet only
  • Split limit required for existing HDFC card holders
  • No lounge access or insurance coverage
  • 500 CashPoints monthly cap per category limits high-spenders
  • 3.5% forex markup makes it poor for international use
Read full review
Best for: First-time credit card users, everyday spenders on groceries, dining and entertainment, those seeking low annual fee cards with decent rewards
HDFC Freedom

HDFC Freedom

3.2 CardNitty rating
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Annual fee

₹500

Rewards rate

₹0.10 - ₹1.00/₹100

Joining fee

₹500

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 500 with easy Rs. 50,000 waiver
  • 10X CashPoints on popular merchants like Swiggy, BigBasket, Uber
  • Accessible eligibility with Rs. 12,000 monthly income requirement
  • 1% fuel surcharge waiver on transactions Rs. 400-5,000
  • Contactless payment enabled

Cons

  • Low base reward rate of 0.1% (1 point per Rs. 150 at Rs. 0.15/point)
  • No airport lounge access
  • High forex markup of 3.5% making it unsuitable for international use
  • 10X merchant cap of 2,500 points per month limits high spenders
Read full review
Best for: Frequent UPI users, existing HDFC cardholders wanting rewards on UPI spends, budget-conscious users seeking cashback on groceries and utilities.
HDFC Bank UPI RuPay

HDFC Bank UPI RuPay

3.8 CardNitty rating
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Annual fee

₹99

Rewards rate

₹1.00 - ₹8.50/₹100

Joining fee

₹99

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Cashback, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Earn CashPoints on both UPI and regular transactions
  • Up to 3% rewards on groceries, supermarket and dining
  • 2% rewards on utility bill payments (rare benefit)
  • Very low annual fee of Rs. 99 with easy waiver at Rs. 25,000 spend
  • Seamless integration with all major UPI apps

Cons

  • Low effective reward rate of 0.25% to 0.75% in INR terms
  • Monthly caps of 500 CashPoints per category limit earning potential
  • Virtual card only - no physical card issued
  • Only available as add-on to existing HDFC Bank card
  • No airport lounge access or premium perks
  • Limited international acceptance with RuPay network
Read full review
Best for: First-time credit card users, students, and beginners looking for a simple cashback card with low fees and digital-first experience via PayZapp
HDFC Pixel Go

HDFC Pixel Go

3.4 CardNitty rating
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Annual fee

₹250

Rewards rate

₹1.00/₹100

Joining fee

₹250

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Cashback, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 250 with easy waiver at Rs. 50,000 annual spend
  • 1% unlimited cashback on all eligible spends with no monthly cap
  • 5% cashback on SmartBuy platform (flights, hotels, vouchers)
  • Dual network (Visa + RuPay) with UPI credit card functionality
  • Fully digital card management via PayZapp app
  • FD-backed option available for those with no credit history

Cons

  • No airport or railway lounge access
  • High forex markup of 3.5% makes it poor for international use
  • 5% SmartBuy cashback capped at 500 CashPoints per month
  • No concierge or premium lifestyle benefits
  • Minimum 500 CashPoints needed to redeem rewards
Read full review
Best for: Regular Shoppers Stop customers who want to earn First Citizen Points on their shopping and enjoy Silver Edge membership benefits.
Shoppers Stop HDFC Bank

Shoppers Stop HDFC Bank

3.0 CardNitty rating
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Annual fee

₹299

Rewards rate

₹1.00/₹100

Joining fee

₹299

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Low annual fee of Rs.299 with complimentary Silver Edge Membership worth Rs.350
  • Good 2.4% reward rate on Shoppers Stop private label brands
  • Rs.500 welcome voucher redeemable at Shoppers Stop
  • RuPay variant available for UPI payments
  • 1% fuel surcharge waiver across all fuel stations

Cons

  • No airport lounge access
  • No insurance coverage
  • Low 0.8% reward rate on non-Shoppers Stop spends
  • High 3.5% forex markup
  • Reward points value drops significantly for non-SS redemptions (Rs.0.20-0.25 per point)
Read full review
Best for: Frequent Shoppers Stop shoppers who want to maximize First Citizen Points and enjoy complimentary airport lounge access
Shoppers Stop Black HDFC Bank

Shoppers Stop Black HDFC Bank

3.1 CardNitty rating
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Annual fee

₹4,500

Rewards rate

₹2.00 - ₹6.50/₹100

Joining fee

₹4,500

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 8% rewards on Shoppers Stop private label brands
  • Complimentary First Citizen Black membership worth Rs 4,500
  • 16 domestic and 8 international lounge visits annually
  • Rs 3 crore air accident cover and Rs 50 lakh overseas medical
  • 1% fuel surcharge waiver at all fuel stations

Cons

  • High annual fee of Rs 4,500+GST with no spend-based waiver
  • No dining or movie benefits
  • Reward points excluded on fuel, rent, wallet, EMI, and many categories
  • Grocery rewards capped at 1,000 points per month
Read full review
Best for: Frequent domestic travelers who want to earn airline miles on everyday spending and redeem for flights and hotels.
InterMiles Platinum HDFC Bank

InterMiles Platinum HDFC Bank

3.4 CardNitty rating
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Annual fee

₹1,000

Rewards rate

₹1.33 - ₹3.33/₹100

Joining fee

₹1,000

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Co-Branded, Rewards, Travel
View full details
CardNitty's take

Pros

  • Earn InterMiles on every purchase redeemable for flights and hotels
  • 8 complimentary domestic lounge visits per year
  • 5% discount on Etihad Airways economy tickets
  • Low annual fee of Rs 1,000 with spend-based waiver
  • Welcome bonus of up to 3,000 InterMiles plus travel vouchers

Cons

  • No international lounge access
  • Forex markup of 3.5% is high for a travel card
  • No insurance coverage beyond zero liability
  • Add-on card holders do not get card benefits
Read full review
Best for: Budget-conscious individuals who want cashback on everyday spends like fuel, groceries, mobile recharges, and bill payments. Ideal for first-time credit card users.
HDFC Bharat

HDFC Bharat

3.5 CardNitty rating
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Annual fee

₹500

Rewards rate

₹2.50/₹100

Joining fee

₹500

Interest rate

41.88%

Card details
Forex Markup
3.50%
Categories Cashback, Entry Level, Fuel
View full details
CardNitty's take

Pros

  • Affordable Rs. 500 annual fee with spend-based waiver at Rs. 20,000
  • 5% cashback on fuel, grocery, IRCTC, bill payments
  • 5% cashback on PayZapp, SmartBuy and EasyEMI
  • Rs. 50 Lakhs accidental death insurance cover
  • 1% fuel surcharge waiver at all fuel stations
  • Zero lost card liability protection

Cons

  • Cashback capped at Rs. 150 per category per month (Rs. 300 total)
  • No lounge access or dining benefits
  • High forex markup of 3.5%
  • Reward redemption capped at 3,000 points/month
  • New applications stopped by HDFC Bank
Read full review
Best for: Budget-conscious travellers who want to earn reward points on everyday spending, access Diners Club lounges, and have a 24x7 concierge at a low annual fee.
HDFC Diners Club Rewardz

HDFC Diners Club Rewardz

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹1,000

Rewards rate

₹0.60 - ₹5.50/₹100

Joining fee

₹1,000

Interest rate

43.20%

Card details
Forex Markup
3.00%
Categories Entry Level, Rewards, Travel
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 1,000 with spend-based waiver at Rs. 1 lakh
  • 10X Reward Points on partner brand shopping
  • Unlimited access to 1,000+ Diners Club lounges in India
  • 24x7 Global Personal Concierge Service
  • 1% fuel surcharge waiver on transactions Rs. 400-5,000
  • Reward Points redeemable for flights, hotels, AirMiles, and more

Cons

  • Low base reward rate (3 RPs per Rs. 150 = 0.60% return)
  • Reward cap of 15,000 points per statement cycle
  • 10X partner rewards capped at just 2,000 points per month
  • No complimentary movie tickets or dining offers
  • No insurance coverage
  • Card no longer accepting new applications
Read full review
Best for: Frequent travellers who want complimentary global lounge access, low forex markup, and solid reward points on everyday spends.
HDFC Diners Club Premium

HDFC Diners Club Premium

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

Rewards rate

₹9.16/₹100

Joining fee

₹2,500

Interest rate

43.20%

Card details
Forex Markup
2.00%
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Low 2% forex markup on foreign currency transactions
  • 6 complimentary lounge visits at 1000+ global airports
  • Rs 1 Crore air accident insurance cover
  • 10X reward points on international spends
  • Renewal fee waiver on Rs 3 lakh annual spend

Cons

  • Limited Diners Club network acceptance in India
  • No dining or entertainment offers
  • Reward rate of 1.3% is average for this fee range
  • Card sourcing has been stopped for new applications
Read full review
Best for: First-time credit card users looking for an affordable card with basic rewards and dining benefits.
HDFC Titanium Edge

HDFC Titanium Edge

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

Rewards rate

₹0.13 - ₹0.20/₹100

Joining fee

FREE

Interest rate

41.88%

Card details
Forex Markup
3.50%
Categories Dining, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Zero joining fee
  • Annual fee waived on Rs. 50,000 yearly spend
  • 50% extra reward points on dining
  • 1% fuel surcharge waiver
  • Contactless payment enabled
  • Complimentary accidental death insurance up to Rs. 50 lakh

Cons

  • Very low base reward rate (0.13%)
  • No lounge access
  • No welcome bonus
  • 3.5% forex markup is high
  • Card is now discontinued for new applications
Read full review
Best for: Women looking for an affordable credit card with accelerated rewards on grocery and dining spends
HDFC Solitaire

HDFC Solitaire

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

Rewards rate

₹0.40 - ₹0.53/₹100

Joining fee

₹500

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Entry Level, Lifestyle, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Accelerated 50% extra reward points on grocery and dining
  • Shoppers Stop vouchers worth up to Rs. 2,000 per year on milestone spends
  • Low annual fee of Rs. 500 with spend-based waiver at Rs. 50,000
  • 1% fuel surcharge waiver on transactions Rs. 400 to Rs. 5,000
  • Zero liability protection on fraudulent transactions

Cons

  • No lounge access or travel benefits
  • Low reward point redemption value (Re. 0.20 per point)
  • No welcome bonus of monetary value
  • Foreign currency markup of 3.5% is on the higher side
  • Rs. 99 fee charged per reward redemption request
Read full review
Best for: Medical professionals who want a dedicated credit card with professional indemnity insurance, dining rewards, and air miles conversion.
HDFC Doctors Superia

HDFC Doctors Superia

2.9 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹1,000

Rewards rate

₹0.50 - ₹0.67/₹100

Joining fee

₹1,000

Interest rate

41.88%

Card details
Forex Markup
3.50%
Categories Dining, Healthcare, Professional, Rewards
View full details
CardNitty's take

Pros

  • Professional Indemnity Insurance up to Rs.20 Lakh - unique benefit for doctors
  • Rs.50 Lakh complimentary accidental death insurance
  • 50% bonus reward points on restaurant dining
  • Low annual fee of Rs.1,000 with easy spend-based waiver
  • Air miles conversion via KrisFlyer programme

Cons

  • No airport lounge access
  • Low base reward rate (2% effective at Rs.0.25 per point)
  • Reward points convertible only to KrisFlyer miles
  • Card sourcing has been discontinued for new applicants
Read full review
Best for: Teachers looking for a low-fee credit card with weekend bonus rewards, Teachers Day special benefits, and accidental death insurance coverage.
HDFC Teachers Platinum

HDFC Teachers Platinum

3.1 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

Rewards rate

₹0.27 - ₹0.40/₹100

Joining fee

₹500

Interest rate

41.88%

Card details
Forex Markup
3.50%
Categories Entry Level, Professional, Rewards
View full details
CardNitty's take

Pros

  • Exclusive card for teachers with special Teachers Day bonus
  • 3X reward points on weekend spending
  • Free accidental death insurance up to Rs. 50 Lakhs
  • Low annual fee of Rs. 500 with waiver option
  • Up to 3 free add-on cards

Cons

  • Reward points expire in just 2 years
  • No lounge access benefits
  • High forex markup of 3.5%
  • Low base reward rate of 0.27%
  • No welcome bonus
Read full review
Best for: Frequent travellers who want to earn InterMiles on everyday spends with unlimited lounge access, golf privileges, and comprehensive travel insurance.
HDFC InterMiles Diners Club

HDFC InterMiles Diners Club

4.0 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹5,000

Rewards rate

₹2.67 - ₹9.16/₹100

Joining fee

₹5,000

Interest rate

23.88%

Card details
Forex Markup
2.00%
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international lounge access
  • Generous welcome benefits up to 25,000 InterMiles
  • 2x InterMiles on flight and hotel bookings via intermiles.com
  • Comprehensive insurance including Rs 2 Cr air accident cover
  • Unlimited complimentary golf games and coaching

Cons

  • Card has been phased out by HDFC Bank
  • Fuel and wallet transactions excluded from rewards
  • Grocery rewards capped at 1,000 per month
  • Redemption fee of Rs 99 per transaction
Read full review
Best for: Frequent travellers who want to earn air miles on everyday spends, with complimentary domestic and international lounge access and Etihad Airways discounts.
HDFC InterMiles Signature

HDFC InterMiles Signature

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹2,500

Rewards rate

₹7.00/₹100

Joining fee

₹2,500

Interest rate

43.80%

Card details
Forex Markup
2.00%
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Earn up to 8,000 bonus InterMiles as welcome benefits
  • 16 complimentary domestic lounge visits per year
  • 5 free international lounge visits via Priority Pass
  • Low 2% forex markup vs industry standard 3.5%
  • Exclusive Dineout Passport with up to 35% off dining
  • Etihad Airways discounts: 5% Economy, 10% Business class

Cons

  • InterMiles can only be redeemed on InterMiles website
  • No insurance benefits beyond zero liability
  • Card has been discontinued and migrated to HDFC Diners Millennia
Read full review
Best for: Small business owners, freelancers, and self-employed professionals who spend on tax payments, business software, and travel.
HDFC Biz Grow

HDFC Biz Grow

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

Rewards rate

₹0.33 - ₹3.33/₹100

Joining fee

₹500

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Business, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 500 with easy waiver
  • 10X CashPoints on key business categories like tax, GST, software
  • Quarterly milestone of 2,000 CashPoints
  • Business insurance package available
  • 1% fuel surcharge waiver

Cons

  • No airport lounge access
  • Accelerated reward cap of 1,500 CashPoints per cycle is limiting
  • 3.5% forex markup is high
  • No complimentary concierge or travel benefits
Read full review
Best for: Small business owners and self-employed professionals looking for a low-fee card to earn rewards on EMI, utility bills, and everyday business expenses.
HDFC Biz First

HDFC Biz First

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

Rewards rate

₹0.15 - ₹3.00/₹100

Joining fee

₹500

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Business, Cashback, Entry Level
View full details
CardNitty's take

Pros

  • Low joining and annual fee of Rs.500 with easy waiver on Rs.50K spend
  • Up to 3% CashPoints on EMI spends with decent category rates
  • UPI payment support with 1% CashPoints via RuPay
  • Business insurance package available at affordable premium
  • Quarterly milestone bonus of 2,000 CashPoints

Cons

  • No lounge access (domestic or international)
  • No complimentary insurance coverage
  • High forex markup of 3.5% makes it poor for international use
  • Low reward caps limit earning potential
Read full review
Best for: Self-employed professionals and SME owners with annual ITR above Rs.12 lakh who spend on GST, income tax, Google/Meta ads, business software, and travel bookings.
HDFC Biz Power

HDFC Biz Power

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

Rewards rate

₹1.33 - ₹9.16/₹100

Joining fee

₹2,500

Interest rate

43.20%

Card details
Forex Markup
2.00%
Categories Business, Fuel, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Earn 5X reward points on business-essential spends like tax, GST, ads, and software
  • Up to 16 domestic + 6 international lounge visits per year
  • Strong quarterly milestone benefits (Rs.2,500 vouchers)
  • Best redemption value of Rs.0.65 per point on Business Catalogue
  • Up to 40% off on business software via SmartBuy BizDeals

Cons

  • No complimentary insurance - business insurance is paid (from Rs.3,785/year)
  • 1% surcharge on rent, fuel (>Rs.30K), and utility (>Rs.75K) transactions
  • Fuel, wallet, rent, education, and EMI spends excluded from rewards
  • No concierge or priority customer care
Read full review
Best for: Business owners with Rs.30L+ ITR who make significant tax/GST payments and want premium travel benefits with unlimited lounge access and 5X rewards.
HDFC Biz Black Metal Edition

HDFC Biz Black Metal Edition

4.1 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

Rewards rate

₹3.33 - ₹19.16/₹100

Joining fee

₹10,000

Interest rate

23.88%

Card details
Forex Markup
2.00%
Categories Business, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Industry-first 5X rewards on Income Tax and GST payments
  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 6 complimentary golf games per quarter at 100+ global courses
  • Club Marriott membership with 20% off dining and stays
  • Up to Rs.20,000 in milestone vouchers per calendar year
  • 55-day interest-free credit period
  • Low forex markup of 2% with Global Value Program cashback

Cons

  • Diners Club network has limited acceptance at small merchants
  • Accelerated 5X rewards require minimum Rs.50,000 spend per statement cycle
  • No fuel surcharge waiver offered
  • Business insurance is a paid add-on (not complimentary)
  • High joining fee of Rs.10,000 + GST may deter small businesses
Read full review
Best for: Business owners and self-employed individuals who frequently use Paytm for business transactions, bill payments and recharges. Also good for those wanting domestic lounge access with a low annual fee.
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

Rewards rate

₹1.00 - ₹5.00/₹100

Joining fee

₹1,000

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Business, Cashback, Co-Branded, Lounge Access
View full details
CardNitty's take

Pros

  • Up to 5% cashback on Paytm spends
  • 12 complimentary domestic airport lounge visits per year
  • Low joining fee of Rs 1,000 with fee waiver option
  • Personal Accident Cover up to Rs 15 lakh
  • 3% cashback on Swiggy, AJIO, BigBasket and Uber

Cons

  • No international lounge access
  • High forex markup of 3.5% plus GST
  • Cashback redemption capped at 3,000 points per month
  • Cashback not applicable on fuel, wallet, EMI, rent and government spends
Read full review
Best for: UPI payment enthusiasts, beginners building credit history, small business owners who want CashPoints on daily expenses including groceries, dining and utility payments.
HDFC Bank UPI RuPay Biz

HDFC Bank UPI RuPay Biz

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹250

Rewards rate

₹0.25/₹100

Joining fee

₹250

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Business, Cashback, Entry Level, RuPay, Shopping, UPI
View full details
CardNitty's take

Pros

  • CashPoints earned on both UPI and regular spends
  • Low annual fee of Rs.250 with easy Rs.25,000 spend waiver
  • 3% CashPoints on groceries, dining and PayZapp
  • Virtual card reduces theft and fraud risk
  • Interest-free period of up to 50 days

Cons

  • Low effective reward rate (0.25% to 0.75%)
  • No physical card issued
  • No lounge access or travel benefits
  • Issued only as add-on to existing HDFC card
  • Monthly caps of 500 CashPoints per category
Read full review
Best for: Self-employed resellers and wholesalers who regularly shop on Flipkart Wholesale and want to maximize cashback on business purchases and utility payments.
Flipkart Wholesale HDFC Bank

Flipkart Wholesale HDFC Bank

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹499

Rewards rate

₹1.00 - ₹5.00/₹100

Joining fee

FREE

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Cashback, Co-Branded, Shopping
View full details
CardNitty's take

Pros

  • Zero joining fee with Rs 499 annual fee waivable at Rs 3L spend
  • 5% cashback on Flipkart Wholesale spends up to Rs 2,000 per month
  • 5% cashback on telecom, utility, government and tax payments
  • 1% cashback on all other spends with Rs 25,000 monthly cap
  • Up to 50 days interest-free credit period
  • 1% fuel surcharge waiver at all fuel stations

Cons

  • Cashback on utility and telecom payments capped at low Rs 250 per month
  • No lounge access, insurance, or lifestyle benefits
  • 3.5% forex markup makes it poor for international use
  • Limited to self-employed individuals with Flipkart Wholesale membership
  • No cashback on rent, education, fuel, wallet, and EMI transactions
Read full review
Best for: Small business owners and self-employed individuals looking for a simple cashback card with low annual fees.
HDFC Business Platinum

HDFC Business Platinum

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹299

Rewards rate

₹0.50 - ₹0.75/₹100

Joining fee

₹299

Interest rate

43.20%

Card details
Forex Markup
3.50%
Categories Business, Cashback, Entry Level
View full details
CardNitty's take

Pros

  • Low annual fee of Rs 299 with easy waiver at Rs 30K spend
  • Up to 1% direct cashback on retail purchases
  • 1% cashback on international spends above Rs 10K
  • Domestic airport lounge access
  • Fuel surcharge waiver up to Rs 500 per cycle

Cons

  • Cashback requires minimum statement balance of Rs 10K-50K
  • No cashback on fuel transactions
  • High forex markup of 3.5%
  • Card discontinued - no new applications accepted
  • No insurance or premium lifestyle benefits
Read full review
Best for: Best Price store members and self-employed individuals who frequently shop at Best Price wholesale stores and want reward points on everyday business spends
Best Price Save Max HDFC Bank

Best Price Save Max HDFC Bank

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

Rewards rate

₹0.40 - ₹1.20/₹100

Joining fee

₹1,000

Interest rate

41.88%

Card details
Forex Markup
3.50%
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 6 reward points per Rs.150 on Best Price spends
  • 8 complimentary lounge visits per year
  • Rs.50 lakh air accident cover
  • Fuel surcharge waiver at all stations
  • Low annual fee of Rs.1,000 with easy waiver

Cons

  • Card sourcing has been stopped for new applicants
  • Reward point value is low at Rs.0.30 per point
  • Available only to Best Price store members
  • 3.5% forex markup is high
Read full review
Best for: Frequent Swiggy users who order food, groceries via Instamart, and dine out regularly. Also great for online shoppers on Amazon, Flipkart, Myntra, and other platforms.
Swiggy HDFC Bank

Swiggy HDFC Bank

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

Rewards rate

₹1.00 - ₹7.50/₹100

Joining fee

₹500

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Cashback, Co-Branded, Dining, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on Swiggy platform spends
  • 5% cashback on popular online shopping platforms including Amazon and Flipkart
  • Low annual fee of Rs 500 with easy Rs 2 lakh waiver
  • Cashback credited directly as statement credit
  • Mastercard World tier benefits including golf and hotel discounts
  • Complimentary Swiggy One membership worth Rs 1,199 on activation

Cons

  • No airport lounge access
  • No fuel surcharge waiver and fuel spends excluded from cashback
  • High forex markup of 3.5% plus GST
  • Cashback caps limit maximum earning to Rs 3,500 per month
  • Many common categories like rent, wallet, and EMI excluded from earning
Read full review

About HDFC Bank

Total Cards

42

Country

India

Website

www.hdfcbank.com

Support Email

support@hdfcbank.com

Card Categories

Lounge Access Premium Dining Lifestyle Rewards Shopping Travel Cashback Entry Level Co-Branded Business Fintech Fuel Healthcare Professional RuPay UPI

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