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Best HDFC Credit Cards

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HDFC cards come in Super Premium, Co-Branded, Professional, Premium Travel, Premium Women, Premium, Regular, Commercial, and CashBack categories. HDFC offers some of the Best Credit Cards in India. Right from exclusive Teacher's Card, Doctor's Card, Fuel Card, Travel Card, Women's Card, to Corporate Cards, HDFC has a customised card for each segment.

  • Top 10 HDFC Cards
  • Types of HDFC Credit Cards
  • Redeeming Reward Points
  • Eligibility
  • Documents Required
  • How to Apply

Top 10 HDFC Credit Cards

Credit CardTypeFeatures & Benefits
HDFC MoneyBack Credit CardCashback 
  • Joining & renewal fees of Rs. 500 + applicable taxes
  • Welcome benefit of 500 Cash Points 
  • Rs. 500 worth gift vouchers on spending Rs. 50,000 & above in each calendar quarter
  • Renewal fee waived off on spending Rs. 50,000 & above in the first year 
  • 2 reward points on spending per Rs. 150
  • 2x reward points on spending per Rs. 150 online
  • Zero cost lost card liability on the report of card loss
  • Rs. 500 worth gift voucher on spending Rs. 50,000 in a quarter
HDFC Solitaire Credit CardWomen/ Essentials 
  • Annual fee is Rs. 500 + GST
  • Next year's annual fee is waived off on spending Rs. 50,000 in a year 
  • Exclusive credit card for women
  • Rs. 1,000 worth vouchers on spending Rs. 75,000 every 6 months
  • 3 reward points on spending per Rs. 150
  • 50% more reward points on dining & grocery expenses
  • 1% fuel surcharge waiver
  • 100 Reward Points = Rs. 20
  • Zero liability on the lost card on reporting the loss
6E Rewards - IndiGo HDFC Bank Credit CardTravel
  • Joining & renewal fees of Rs. 500 + applicable taxes
  • Rs. 4,300 off on Mumbai to Goa flight
  • 2.5% 6E Rewards on IndiGo 
  • 2% 6E Rewards on grocery, dining & entertainment 
  • 1% 6E Rewards on all other spends
  • Discounted Convenience Fee on IndiGo tickets (Rs. 150 per passenger)
  • 1 6E Reward = Rs. 1
  • Zero lost card liability
  • 1 complimentary flight ticket worth Rs.1500
  • 1 complimentary 6E Prime Add-On - Priority check-in
  • Choice of seat
  • 1 complimentary meal & quicker baggage
  • Accor hotel vouchers worth Rs. 5,000 on joining fee payment
HDFC Regalia Credit CardSuper Premium/ Rewards
  • Joining & renewal fees fo Rs. 2,500 + applicable taxes
  • Renewal fee waived off on annual spends of Rs. 3 Lakhs
  • Welcome & renewal benefit of of 2500 reward points
  • 12 complimentary domestic & 6 international airport lounge access
  • 10,000 bonus reward points on spending Rs. 5 Lakhs 
  • Additional 5,000 reward points on spending Rs. 8 Lakhs in an anniversary year. 
  • 4 reward points on spending per Rs. 150 on retail
  • Exclusive 24/7 concierge services
  • 1% fuel surcharge waiver at all fuel stations in India
  • Save up to 20% on all your restaurant bills via Swiggy Dineout. 
  • Zero lost card liability
  • Accidental air death cover worth Rs. 1 Crore, emergency overseas hospitalization up to Rs. 15 Lakhs & Lost Card Liability Cover up to Rs. 9 Lakhs  
HDFC Diners Club Black Credit CardLuxury/ Rewards
  • Joining & renewal fees of Rs. 10,000 + applicable taxes
  • Renewal fee waived off on spends of Rs. 5 Lakhs in a year
  • Complimentary annual memberships of Club Marriott, Amazon Prime, Forbes, Swiggy One (3 months) & MMT BLACK
  • Complimentary vouchers of Ola cabs/ cult.fit Live/ BookMyShow/ TataCliQ on spending over Rs. 80,000 every month
  • 5 reward points per Rs. 150 retail spends
  • Up to 10X reward points via SmartBuy 
  • 2X reward points on weekend dining
  • 6 complimentary golf games per quarter across the finest courses in the world
  • Exclusive 24/7 concierge services
  • Unlimited access to over 1000 airport lounges in India & worldwide for primary & add-on card members. 
  • 1% fuel surcharge waiver at all fuel stations in India 
  • Air accident cover worth Rs. 2 Crores
  • Emergency overseas hospitalisation of Rs. 50 Lakhs
  • Travel insurance cover of up to Rs. 55,000 on baggage delay
  • Credit liability cover of Rs. 9 Lakhs
  • Up to 25% savings on all restaurant bills via Swiggy Dineout 
HDFC Bank Platinum Plus Credit CardRewards
  • 2 reward points per Rs. 150 spent
  • 50% more reward points on spending per Rs. 150 above Rs. 50,000 per statement cycle
  • Up to 3 free add-on cards
  • 50 days of interest-free credit
  • Pay utility & phone bills easily by registering your card for SmartPay
  • Zero liability on the lost card
HDFC Bank INFINIA Metal Edition Credit CardLuxury/ Rewards
  • Joining & renewal fees fo Rs. 12,500 + applicable taxes
  • Renewal fee waived off for next year on spending Rs. 10 Lakhs or more in the preceding year
  • Welcome & renewal benefit of 12,500 reward points
  • Complimentary nights & buffet at participating ITC hotels
  • Unlimited airport lounge access around the world for primary & add-on members
  • 5 reward points for spending every Rs. 150 on retail
  • Up to 10X reward points on travel & shopping spends on Smartbuy 
  • 24x7Global personal concierge 
  • Complimentary Club Marriott membership for the 1st year with up to 20% discount for dining & stay across Asia-Pacific region 
  • Book stay for 3 nights & pay for 2 at partner ITC hotels 
  • 1+1 complimentary buffet at partner ITC hotels
  • Unlimited complimentary golf games at partner courses in the world
  • Unlimited complimentary golf coaching at select golf courses in India 
  • Zero lost card liability
  • 15% off on all bill payments via Swiggy Dineout at 20k+ restaurants
  • 1% fuel surcharge waiver at all fuel stations in India 
  • Accidental Air Death cover worth Rs. 3 Crores
  • Emergency overseas hospitalization up to Rs. 50 Lakhs 
  • Credit Shield Cover of up to Rs. 9 Lakhs
HDFC Corporate Premium Credit CardBusiness Card
  • 5 reward points per 150 spent
  • 5 complimentary domestic airport lounge visits quarterly
  • 6 complimentary international airport lounge visits annually
  • Corporate Liability Waiver Insurance of Rs. 2,00,000 
  • Corporate level cover of Rs. 25,00,000
  • Insurance protection of up to Rs. 1 Crore 
  • Exclusive SmartBuy Corporate Portal for offers & reward redemption
  • Air accidental deathcover Rs. 1 Crore
  • Emergency medical expenses protection up to Rs. 1 Lakh
  • Flight delay cover of up to Rs. 15,000 
  • Loss of checked baggage cover of up to Rs. 15,000
  • Missed connecting international flight cover of up to Rs. 15,000
  • 1% fuel surcharge waiver across all petrol pumps
HDFC Bank Times Platinum Credit CardReward/ Lifestyle
  • Joining & renewal fees of Rs. 1000 + applicable taxes
  • Renewal fee waived off on spending Rs. 2,50,000 in a year
  • Welcome vouchers worth Rs. 5,000 across shopping, apparel, dining & other categories
  • Complimentary Annual Times Prime Membership on making 1 transaction in a calendar quarter. 
  • 50% off on movie tickets via BookMyShow
  • Extra discount of Rs. 1,500 
  • Up to 15% off on dining bills via PayEazy on Eazydiner.
  • Up to 20% off on online & offline shopping, wellness & hotel stay
  • 3 reward points per Rs. 150 spent
  • 10 reward points on every Rs. 150 spent on dining on weekdays
  • Up to 5% cashback on utility bills/ shopping
  • 1% fuel surcharge waiver 
HDFC Bharat Credit CardCashback- for emerging India
  • Joining & renewal fees of Rs. 500 + applicable taxes
  • 5% monthly cashback on booking tickets through IRCTC
  • 5% monthly cashback on fuel expenses
  • 5% monthly cashback on grocery spends 
  • 5% monthly cashback on bill payment & mobile recharge 
  • 5% monthly cashback on spends on PayZapp/ EasyEMI/ SmartBUY
  • 1% fuel surcharge waiver
  • 1 Reward Point = Rs 1

The above list of the best 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. However, there is a list of HDFC Lifetime Free Credit Cards you can apply.

Types of HDFC Credit Cards

HDFC New Launched Credit Cards:

HDFC Essentials Credit Cards:

HDFC Luxury Credit Cards:

HDFC Co-Branded Credit Cards:

  • Tata Neu Infinity HDFC Bank Credit Card
  • Tata Neu Plus HDFC Bank Credit Card
  • Shoppers Stop HDFC Bank Credit Card
  • Shoppers Stop Black HDFC Bank Credit Card
  • Paytm HDFC Bank Credit Card
  • Paytm HDFC Bank Select Credit Card
  • Paytm HDFC Bank Mobile Credit Card
  • Paytm HDFC Bank Digital Credit Card
  • HDFC Bank Times Platinum Credit Card
  • HDFC Bank Times Card Credit
  • 6E Rewards - IndiGo HDFC Bank Credit Card
  • 6E Rewards XL- IndiGo HDFC Bank Credit Card

HDFC Lifestyle Credit Cards:

  • Regalia Gold Credit Card
  • Millennia Credit Card
  • MoneyBack+ Credit Card
  • Diners Club Privilege Credit Card

HDFC Travel Credit Cards:

  • Regalia Gold Credit Card
  • IRCTC HDFC Bank Credit Card
  • 6E Rewards - IndiGo HDFC Bank Credit Card
  • 6E Rewards XL- IndiGo HDFC Bank Credit Card

HDFC Shopping Credit Cards:

  • Tata Neu Infinity HDFC Bank Credit Card
  • Tata Neu Plus HDFC Bank Credit Card
  • Shoppers Stop HDFC Bank Credit Card
  • Shoppers Stop Black HDFC Bank Credit Card

HDFC Fuel Credit Cards:

  • IndianOil HDFC Bank Credit Card

HDFC EMI Credit Cards:

  • Easy EMI Card

HDFC Business Credit Cards:

  • HDFC Bank UPI RuPay Biz Credit Card
  • Business Regalia
  • Business MoneyBack
  • Pine Labs HDFC Bank Credit Card
  • Pine Labs HDFC Bank Pro Credit Card
  • CSC Small Business MoneyBack
  • Paytm HDFC Bank Business Credit Card
  • Paytm HDFC Bank SELECT Business Credit Card
  • Best Price Save Max HDFC Bank Credit Card
  • Best Price Save Smart HDFC Bank Credit Card
  • Flipkart Wholesale HDFC Bank Credit Card

HDFC Commercial Credit Cards:

  • Corporate Platinum Credit Card
  • Corporate Premium Credit Card
  • HDFC Bank & SAP Concur Solutions Black Corporate Credit Card
  • HDFC Bank & SAP Concur Solutions Prime Corporate Credit Card
  • Purchase Premium Credit card
  • Purchase MoneyBack Credit Card
  • Purchase Credit Card
  • Purchase Reward Card
  • Central Travel Account
  • AP: Accounts Payable Program
  • AR: Accounts Receivable Program
  • Auto Insurance program
  • Dealer Credit Card
  • Fleet Program
  • TMC Card

Other HDFC Credit Cards:

  • All Miles Credit Card
  • Bharat Credit Card
  • Diners Club Premium Credit Card
  • Diners Club Rewardz Credit Card
  • Doctor's Regalia Credit Card
  • Doctors Superia Credit Card
  • JetPrivilege HDFC Bank Select / Titanium
  • Platinum Edge Credit Card
  • Platinum Plus Credit Card
  • Solitaire Credit Card
  • Superia Credit Card
  • Teachers Platinum Credit Card
  • Titanium Edge Credit Card
  • Visa Signature Credit Card
  • World MasterCard Credit Card
  • MoneyBack Credit Card
  • Regalia First Credit Card
  • Diners ClubMiles Credit Card
  • Regalia Credit Card
  • InterMiles HDFC Bank Diners Club Credit Card
  • InterMiles HDFC Bank Signature Credit Card
  • InterMiles HDFC Bank Platinum Credit Card

Redeeming Reward Points on HDFC Credit Cards

Redeeming reward points on HDFC Credit Cards is a process that offers value for your money, although it may vary based on the specific credit card and reward program. Here is a general guide to redeeming reward points on HDFC Credit Cards:

  1. Flight and Hotel Bookings via Smartbuy:
    • Value: 1 Reward Point (RP) = INR 1
    • You can redeem your reward points to book flights and hotels through the Smartbuy portal.
  2. Apple Products and Tanishq Vouchers via Smartbuy:
    • Value: 1 RP = INR 1
    • Reward points can be utilized to purchase Apple products or Tanishq vouchers via the Smartbuy platform.
  3. Airmiles Conversion through Netbanking:
    • Value: 1 RP = 1 air mile
    • You have the option to convert your reward points into airmiles of select airline loyalty programs through the HDFC Netbanking portal.
  4. Products and Vouchers via Netbanking or SmartBuy:
    • Value: 1 RP = up to INR 0.50
    • Reward points can be redeemed for a variety of products and vouchers available on the HDFC Netbanking portal or Smartbuy platform.
  5. Cashback:
    • Value: 1 RP = INR 0.30
    • You can choose to convert your reward points into cashback, where 1 reward point is equal to INR 0.30.

It's important to note that the above values are general guidelines and may vary depending on the specific credit card and redemption option you choose. Additionally, HDFC Reward Points are typically valid for a period of two years from the date of accumulation.

HDFC Credit Cards Eligibility

To be eligible for an HDFC Bank Credit Card, the following factors are considered:

  • Residential Status: The applicant must be an Indian citizen.
  • Minimum Age: The applicant should be at least 18 years old.
  • Maximum Age: The maximum age for credit card issuance is 70 years.
  • Income Requirement: Each credit card has a specific income requirement. Some cards may require a minimum monthly income of INR 25,000, while others may require a minimum income of at least INR 1 lakh.
  • Bank Account: The applicant must have a savings account or a salary account with HDFC Bank.

Additional Info: Check the HDFC Lounge Access Credit Card & apply.

Documents Required for HDFC Credit Card

To apply for an HDFC Bank Credit Card, you need to provide the following documents:

  1. PAN Card Photocopy: A copy of your PAN card is required as proof of your Permanent Account Number.
  2. Proof of Income (Choose one): 
    • Bank Statement: Three months' bank statements demonstrating your financial transactions. 
    • Form 16: A document issued by your employer providing details of your income tax deductions. 
    • IT Return Copy: Copy of your Income Tax Return filed with the tax authorities, indicating your income.
  3. Proof of Residence (Choose one): 
    • Passport 
    • Ration Card 
    •  Utility Bills: Recent utility bills (e.g., electricity bill, telephone bill) issued within the last three months.
  4. Identity Proof (Choose one):
    • Passport 
    • Driving License 
    • Aadhaar Card
    • Voter ID Card

How to Apply for the Best HDFC Credit Cards

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

Alternatively, you can also apply on our website. It is fast, safe and completely hassle-free to apply for a credit card online on 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.

Also Check: The Best Shopping Credit Cards in India.

Best HDFC Credit Cards FAQs

There are various HDFC credit cards which might leave you confused. Every HDFC credit card is meant for a specific purpose and comes with different minimum income requirements. The best HDFC credit card type depends on your needs. For instance, Regalia is a lifestyle credit card, InterMiles HDFC Bank Diners Club Credit Card is suitable for travellers, for those looking for fuel benefits, IndianOil HDFC Bank Credit Card is the best, and so on.

Additional Info: Check Credit Card Billing Cycle.

The HDFC credit card limit varies depending on the type of credit card, the user’s income, credit score, and other factors. Higher income and credit score usually means a higher credit card limit.

IndianOil HDFC Bank Credit Card is best to get the following fuel benefits:

  • Up to 50 Litres free fuel annually.
  • Earn 5% of spending as Fuel Points at IndianOil outlets (maximum 250 Fuel Points per month in the first 6 months and maximum 150 Fuel Points afterwards).                                                         
  • Earn 5% of your spending as Fuel Points on Groceries & Bill Payments (maximum 100 Fuel Points per month on each category).
  • Earn 1 Fuel Point on spending every Rs. 150 on all other purchases.
  • 1% fuel surcharge waiver across all fuel stations in India, on minimum transaction of Rs. 400. Maximum cashback of Rs. 250 per statement cycle).

MoneyBack+ Credit Card, Regalia Credit Card, Millennia Credit Card, and Tata Neu Infinity HDFC Bank Credit Card are some of the best HDFC credit cards for cashback and offers.

Regalia Credit Card, Diners Club Privilege Credit Card, Millennia Credit Card, MoneyBack+ Credit Card, Freedom Credit Card, Shoppers Stop HDFC Bank Credit Card, Shoppers Stop Black HDFC Bank Credit Card, Paytm HDFC Bank Credit Card, Paytm HDFC Bank Select Credit Card, Paytm HDFC Bank Mobile Credit Card, Regalia First Credit Card, Diners ClubMiles Credit Card, Tata Neu Infinity HDFC Bank Credit Card, and Tata Neu Plus HDFC Bank Credit Card are best HDFC credit cards for lifestyle.

MoneyBack+ Credit Card, Regalia Credit Card, and Millennia Credit Card are the best HDFC credit cards for online shopping.