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HDFC Bank Credit Cards 2026

Explore all credit cards from HDFC Bank. 2 cards ranked by our experts.

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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
APPLY NOW on HDFC Bank's website

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
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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

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

Annual fee

₹2,500

Rewards rate

Varies

Joining fee

₹2,500

Interest rate

45.00%

Card details
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

About HDFC Bank

Total Cards

2

Country

India

Website

www.hdfcbank.com

Support Email

support@hdfcbank.com

Card Categories

Lounge Access Premium Lifestyle

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