Best HDFC Bank Credit Cards in India (2026)
HDFC Bank has India’s widest credit-card line-up — from the invite-only Infinia to everyday cashback cards. This guide picks the best HDFC credit card for each need in 2026, with links to our full, independently verified reviews. Fees shown are annual fees plus GST; always confirm the latest terms in the linked review before applying.
Quick picks: Best overall premium — HDFC Infinia. Best for cashback — HDFC Millennia. Best for travel — Diners Club Black. Best first card — MoneyBack+.
Super-premium (HNW)
HDFC Infinia (Metal) — HDFC’s flagship. About 3.3% back via 5 reward points per ₹150 (at ₹1 a point on SmartBuy), invite-only, unlimited domestic & international lounge access, and best-in-class SmartBuy redemptions. Invite-only for high-net-worth customers. ~₹12,500 fee.
HDFC Diners Club Black — Premium travel powerhouse: 10X rewards on SmartBuy, unlimited lounge access and strong milestone benefits. ~₹10,000 fee.
Premium lifestyle & travel
HDFC Regalia Gold — The accessible premium pick: accelerated rewards on Marks & Spencer, Myntra, Nykaa and Reliance, lounge access and travel vouchers. ~₹2,500 fee.
HDFC Marriott Bonvoy — For hotel loyalists: welcome Free Night on cards opened from 1 Oct 2026, more Free Nights at ₹6, 9 and 15 lakh of yearly spend, and points on stays. ~₹3,000 fee.
Best for cashback & everyday spends
HDFC Millennia — 5% cashback on Amazon, Flipkart, Swiggy, Zomato and more; 1% on other spends. The all-round everyday card. ~₹1,000 fee.
HDFC Swiggy — 10% cashback on Swiggy (food, Instamart, Dineout) and 5% on online spends. HDFC Bank now offers new applicants the Swiggy BLCK and ORNGE cards instead, and lists this original card without an online apply option. ~₹500 fee.
HDFC Pixel Play — A digital-first card where you choose your cashback categories. Great low-fee everyday option.
Co-brand & ecosystem
HDFC Tata Neu Infinity — 5% NeuCoins on Tata brands such as BigBasket, Croma and Tata CLiQ, 1.5% elsewhere, and up to 1.5% on UPI via the Tata Neu UPI ID. ~₹1,499 fee.
6E Rewards IndiGo HDFC — No longer issued: HDFC Bank has ended its IndiGo co-brand programme; existing cardholders only. ~₹500 fee.
Fuel & travel essentials
IndianOil HDFC — 5% as Fuel Points at IndianOil outlets (monthly caps apply) plus 5% on groceries and bill payments; fee waived on ₹50,000. ~₹500 fee.
IRCTC HDFC — Rewards and a railway-lounge benefit for frequent train travellers. ~₹500 fee. See also our best IRCTC cards guide.
Best first HDFC card
HDFC MoneyBack+ — Low fee, 20 CashPoints per ₹200 on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy (capped at 2,500 a month), and an easy ₹50,000 fee waiver. A solid starter card. ~₹500 fee.
Comparison at a glance
| Card | Best for | Annual fee | Apply |
|---|---|---|---|
| HDFC Infinia | Super-premium rewards & travel | ~₹12,500 | View & apply → |
| Diners Club Black | Premium travel | ~₹10,000 | View & apply → |
| Regalia Gold | Accessible premium | ~₹2,500 | View & apply → |
| Marriott Bonvoy | Hotel stays | ~₹3,000 | View & apply → |
| Tata Neu Infinity | Tata ecosystem | ~₹1,499 | View & apply → |
| Millennia | Cashback | ~₹1,000 | View & apply → |
| Swiggy | Food & online cashback | ~₹500 | View & apply → |
| MoneyBack+ | First card | ~₹500 | View & apply → |
How to choose your HDFC card
Match the card to where you actually spend. Heavy online shoppers do best with Millennia or MoneyBack+; foodies with Swiggy; Tata-brand and Air India users with Tata Neu Infinity; frequent flyers and high spenders with Diners Club Black or, if eligible, Infinia. Don’t pay a premium fee unless your spending clears the fee-waiver threshold and you’ll use the lounge and milestone benefits.
Eligibility & how to apply
HDFC issues cards to salaried and self-employed applicants with a stable income and a healthy credit profile (a CIBIL score around 750+ helps). Premium cards like Infinia are largely invite-only for existing wealth-banking customers. To apply, use HDFC Bank’s official website or app, or check pre-approved offers in your net-banking. Keep PAN, ID/address proof and income documents ready. New to credit? See our best first credit cards guide, plus our how to apply and eligibility guides.
FAQs
Which is the best HDFC credit card overall?
For most people, the HDFC Millennia (cashback) offers the best everyday value. High spenders who can get it should consider Infinia; frequent travellers, Diners Club Black.
Which HDFC card is best for cashback?
HDFC Millennia for broad 5% online cashback, or the HDFC Swiggy card if a lot of your spend is food and online.
Is there a lifetime-free HDFC credit card?
Several HDFC cards waive the annual fee on meeting a modest spend; see our lifetime-free cards guide.
Explore more: SmartBuy redemption guide · all card reviews · find your card · best cashback cards · income tax calculator.
Sources & references
- HDFC Bank official credit-card pages (hdfcbank.com)
- CreditSmart independent card reviews — verified June 2026
Verified June 2026. Fees and features change — confirm current terms on the linked review or the HDFC Bank website before applying.
