HDFC Bank holds over 2.62 crore active credit cards as of February 2026, making IT India’s largest private sector bank by card base. The bank offers a diverse portfolio, from entry-level options like the HDFC Freedom card to exclusive, invite-only cards such as the Infinia Metal Edition.
| Rank | Card Name | Best Suited For | Joining Fee (₹) | Annual Fee (₹) | Key Benefit |
|---|---|---|---|---|---|
| 1 | HDFC Infinia Credit Card Metal Edition | High-income individuals, high-spenders, luxury travel, all-round benefits | Invite-only | Invite-only | strong benefits, exclusive services, numerous rewards |
| 2 | HDFC Diners Club Black Metal Edition | High-income professionals spending ₹60,000+/month, unlimited lounge + concierge, all-round benefits | Not specified | Not specified | Luxury travel benefits, lounge access, concierge services, free Amazon Prime and Swiggy One memberships |
| 3 | HDFC Regalia Gold Credit Card | Premium spenders who travel frequently and value lounge + milestone benefits, lifestyle spenders, shoppers, regular travellers | Not specified | Not specified | 4 points for every ₹150 spent, airport lounge access, premium lifestyle benefits |
| 4 | HDFC Millennia Credit Card | Digital-first millennials and General Z spending on Amazon, Flipkart, Swiggy, Zomato, online shopping | Not specified | 1,000 (waived on ₹1,00,000+ annual spend) | 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Ola, Tata CLiQ, Hotels.com, BookMyShow |
| 5 | Swiggy HDFC Bank Credit Card | Heavy Swiggy users ordering food, groceries, or using Dineout regularly, dining, everyday spends | 500 | 500 | Accelerated benefits on all spends at Swiggy (Instamart, Dineout, Genie), 5% cashback on online spends, complimentary membership |
| 6 | IndianOil HDFC Bank Credit Card | Car owners who fill fuel exclusively at IndianOil (IOCL) pumps, frequent fuel users | 500 | 500 | Accelerated rewards on fuel spends at IndianOil, 5% fuel savings |
| 7 | HDFC MoneyBack+ Credit Card | Beginners, new credit card users, cashback on online spends | Not specified | 500 (waived if CASA account opened within 3 months of card approval) | Easy to handle for beginners, cashback on online and retail spends |
| 8 | Tata Neu Infinity HDFC Bank Credit Card | People who shop at Tata stores (BigBasket, 1mg, Croma) | Not specified | Not specified | Earn special NeuCoins at Tata stores, ₹5 or more back for every ₹100 spent |
| 9 | HDFC Freedom Credit Card | New credit card users, simplicity and low cost, everyday spends | Not specified | 500 (waived if CASA account opened) | Barebones card, easy to use, offers rewards on various categories |
| 10 | HDFC Diners Club Privilege Credit Card | Shopping, dining and lifestyle benefits, travel perks | Not specified | Not specified | Shopping, dining and lifestyle benefits, complimentary lounge access |
| 11 | IRCTC HDFC Bank Credit Card | Frequent train travellers booking tickets via IRCTC | 499 + taxes | 499 + taxes | Savings on train travel expenses, accelerated reward points on IRCTC bookings |
The best HDFC credit card for you in 2026 depends on your specific spending habits, whether IT’s for fuel, online shopping, or luxury travel.
HDFC Cards by Spending Category
HDFC Bank offers a diverse portfolio of credit cards in India, catering to various spending habits as of 2026. These cards provide benefits ranging from fuel savings and online shopping cashback to luxury travel perks and exclusive lifestyle privileges. Choosing the right card depends on maximizing value-back in your most frequent spending categories.
| Category | Recommended Card | Key Features | Reward Rate | Annual Fee (₹) |
|---|---|---|---|---|
| Fuel Spends | IndianOil HDFC Bank Credit Card | Up to 50 litres of free fuel annually, 5% fuel points on spends, free XTRAREWARDS membership, accelerated rewards on groceries and bill payments | 5% back as Fuel Points on Indian Oil fuel spends, groceries, and bill payments | 500 |
| Online Shopping & Everyday Spends | HDFC Millennia Credit Card | 5% cashback on popular brands like Amazon, Myntra, Zomato, BookMyShow, covering shopping, dining, entertainment, travel | 5% cashback on certain e-commerce spends | 1,000 (waived on ₹1,00,000+ annual spend) |
| Food Orders & Dining | Swiggy HDFC Bank Credit Card | Accelerated benefits on all spends at Swiggy (Instamart, Dineout, Genie), complimentary membership, complimentary golf games | 5% cashback on Swiggy platforms and online spends across various categories, 1% cashback on other spends | 500 |
| Premium Lifestyle & Travel | HDFC Regalia Gold Credit Card | Premium lifestyle, milestone vouchers, lounge access, Priority Pass, travel insurance | 4 points for every ₹150 spent, more points at partner shops | Not specified |
| Luxury & Exclusivity | HDFC Infinia Credit Card Metal Edition | Invite-only card for high-income individuals, strong benefits, luxury travel benefits, lounge access, concierge services | Same points as Diners Club Black Metal | Not specified |
| Luxury & Exclusivity | HDFC Diners Club Black Metal Edition Credit Card | Luxury travel benefits, lounge access, concierge services, free Amazon Prime and Swiggy One memberships | Same points as Infinia | Not specified |
| Tata Stores Shopping | Tata Neu Infinity HDFC Bank Credit Card | Earn special coins at Tata stores like BigBasket, 1mg, Croma | ₹5 or more back for every ₹100 spent | Not specified |
| Train Travel | IRCTC HDFC Bank Credit Card | Accelerated rewards on IRCTC bookings, additional 5% cashback (via SmartBuy), access to railway lounges | Up to 10% value-back (rewards + cashback) | 499 plus taxes (joining and annual) |
| Beginner/General Spends | HDFC Moneyback Card | Basic rewards on all spends, suitable for new credit card users | Not specified | 500 (1st year, waived if CASA account opened) |
| Beginner/General Spends | HDFC Freedom Credit Card | Rewards on everyday spending categories, good for building credit history | Not specified | 500 (1st year, waived if CASA account opened) |
The annual fees for many HDFC Bank credit cards can be waived by meeting specific spending thresholds, such as ₹1 lakh or ₹2 lakh per year, as per the lender’s terms (as of March 2026). Always verify the current fees and waiver criteria on the official HDFC Bank website before applying.
Premium HDFC Credit Cards
HDFC Bank offers a diverse portfolio of premium credit cards in India for 2026, catering to high-income individuals and those seeking luxury benefits. These cards provide exclusive perks like unlimited lounge access, low forex mark-up fees, and accelerated reward points on specific spending categories.
| Card Name | Target User | Exclusive Benefits | Annual Fee (₹) | Eligibility (Income/Relationship) |
|---|---|---|---|---|
| HDFC Infinia Credit Card Metal Edition | High-income individuals, high-spenders, high-net-worth individuals, select customers (invite-only) | Unlimited complimentary domestic airport lounge access (Primary & Add-on), zero foreign currency markup fees, 5 reward points per ₹150 spent on retail (except fuel), 10X rewards on travel and shopping via HDFC SmartBuy, welcome benefit of 1 year Club Marriott Membership (20% discount on dining and stay), Good Food Trail Dining program, contactless payments | 12,500 | Invite-only; high-income individuals or customers with high relationship value with HDFC Bank; annual spending comfortably crosses ₹10-12 lakh; spend ₹10 lakh or more in a card year for fee waiver |
| HDFC Diners Club Black Metal Edition Credit Card | High-income professionals spending ₹60,000+/month, those seeking luxury and exclusivity, high-spenders | Luxury travel benefits, unlimited lounge access, concierge services, 3.33% reward rate, low forex mark-up fee, golf benefits, Amazon Prime, MMT Black, Times Prime and Swiggy One memberships, quarterly milestone benefit of 10,000 bonus reward points | Similar to Infinia (slightly lower than ₹12,500) | High-income professionals spending ₹60,000+/month |
| HDFC Regalia Gold | Salaried professionals, those seeking reward efficiency, lifestyle perks, and milestone-driven upgrades | 4 points for every ₹150 spent, more points at partner shops, airport lounge access, lifestyle perks, milestone-driven upgrades | 1,000 (waived on spending ₹1,00,000 per year) | Salaried Indian citizen, age 21-60 years, minimum monthly income of ₹1 lakh (implied for premium cards) |
| HDFC Diners Club Privilege Credit Card | Those looking for shopping, dining and lifestyle benefits | Shopping, dining and lifestyle benefits, lounge access (implied) | 2,500 (estimated, verify with lender) | Salaried Indian citizen, age 21-60 years, minimum monthly income of ₹50,000 (estimated, verify with lender) |
| HDFC Millennia | Young professionals, online shoppers, those seeking cashback on digital spends | 5% cashback on Amazon, Flipkart, Myntra, Zomato, Swiggy, BookMyShow, Tata Cliq, Uber, etc., 1% cashback on all other spends, complimentary lounge access | 1,000 (waived on spending ₹2,00,000 or more per year) | Salaried Indian citizen, age 21-40 years, minimum monthly income of ₹25,000 |
| HDFC Bank Business Regalia Credit Card | Business owners, self-employed individuals with high business expenses | Business-specific advantages (details vary, check lender site), reward points on business spends, travel benefits | 2,500 (estimated, verify with lender) | Self-employed individuals between 21 and 65 years, yearly ITR more than ₹12 lakh |
| HDFC Bank BizPower Credit Card | Self-employed individuals, small business owners | Business-related benefits, reward points on business expenses, fuel surcharge waiver | 1,000 (estimated, verify with lender) | Indian citizens, self-employed individuals between 21 and 65 years, yearly ITR more than ₹12 lakh |
| Marriott Bonvoy HDFC Bank Credit Card | Frequent travellers, Marriott loyalists, those seeking hotel benefits | Marriott Bonvoy points, complimentary night stays, elite status benefits, travel insurance | 3,000 (estimated, verify with lender) | Salaried or self-employed Indian citizen, age 21-60 years, income criteria apply (verify with lender) |
| Tata Neu Infinity HDFC Bank Credit Card | People who frequently shop at Tata stores (e.g., BigBasket, 1mg, Croma, Tata CLiQ) | Earn special NeuCoins (₹5 or more back for every ₹100 spent) at Tata stores, exclusive discounts on Tata brands | 1,500 (estimated, verify with lender) | Salaried or self-employed Indian citizen, age 21-60 years, income criteria apply (verify with lender) |
These premium cards offer substantial value through rewards and exclusive privileges, making them suitable for high-spending individuals who can meet the higher income and spending criteria.
HDFC vs ICICI Credit Cards
HDFC Bank and ICICI Bank are two of India’s largest private sector banks, offering diverse credit card portfolios. HDFC Bank holds over 2.62 crore active credit cards as of February 2026, making IT the first bank to cross two crore cardholders. ICICI Bank also offers a wide range of cards catering to various income groups and spending habits.
| Feature | HDFC Bank | ICICI Bank |
|---|---|---|
| Overall Approach | Offers greater value when you actively use its benefits; works best if you’re willing to optimize rewards a bit. | Stands out for simplicity and predictability; benefits are easy to understand. |
| Card Portfolio Diversity | Covers almost all categories, including entry-level, cashback, travel, and premium; offers a wide range of credit cards designed for different needs. | Covers almost all categories, including entry-level, cashback, travel, and premium; has credit cards that suit every income group. |
| Target User (General) | Suitable for those who travel a lot and want to maximize value via points; for users willing to optimize rewards. | Suitable for those who want simple cashback and lifestyle perks like movie tickets and airport meet-and-greet. |
| Premium Card Example | Infinia Metal Edition | Emeralde Credit Card |
| Premium Card Membership | Infinia offers a Club Marriott membership. | Emeralde provides a Taj Epicure membership. |
| Premium Card Monthly Reward CAP | Infinia caps reward points at 15,000 per month. | Emeralde allows up to 18,000 points monthly. |
| Premium Card Base Reward Rate | Infinia offers a base reward rate of 3.3% cashback on general spends. | Emeralde offers a base reward rate of 3% on general spends. |
| Premium Card Travel Lounge Access | Infinia offers unlimited airport lounge access across India and abroad through Priority Pass. | Emeralde offers unlimited airport lounge access across India and abroad through DragonPass. |
| Premium Card Flight Booking Returns | Infinia offers 16% returns on flight bookings and vouchers. | Emeralde offers 18% returns on flight bookings and vouchers. |
| Premium Card Hotel Booking Returns | Infinia offers up to 33% on hotel bookings. | Emeralde offers up to 36% on hotel bookings. |
| Entry-Level Card Example | Millennia Credit Card | Platinum Card |
| Entry-Level Card Benefits | Millennia offers cashback for transactions; suitable for frequent travelers. | Platinum Card gives reward points; good for beginner users whose main spending will be online shopping and fuel; comes with nil annual fees. |
While HDFC Bank’s premium cards like Infinia offer slightly higher returns on specific categories, ICICI Bank’s Emeralde provides a higher monthly reward point CAP. Both banks offer strong entry-level options, with ICICI Platinum standing out for its nil annual fees.
HDFC Credit Card Eligibility
HDFC Bank sets specific eligibility criteria for its credit cards, with minimum age typically 21 years and maximum age up to 65 years for self-employed individuals. A CIBIL score of 750 or higher is generally preferred for securing the best card options and interest rates.
| Criteria | Salaried Individuals | Self-Employed Individuals | Documents Required |
|---|---|---|---|
| Minimum Age | 21 years | 21 years |
|
| Maximum Age | 60 years | 65 years | |
| Minimum Monthly Income | ₹12,000 – ₹25,000 (basic cards); ₹25,000+ (Millennia Card); ₹1,00,000+ (Regalia Gold) | ₹2,00,000 p.a. (basic cards); ₹12,00,000 p.a. (BizPower); ₹26,00,000 p.a. (Millennia Card) | |
| Credit Score (CIBIL) | Ideally 750 or above | Ideally 750 or above | |
| Nationality & Residency | Indian Citizen, Resident or Non-Resident Indian | Indian Citizen, Resident or Non-Resident Indian | |
| Existing Bank Relationship | Savings or Salary account with HDFC Bank (often preferred) | Savings or Salary account with HDFC Bank (often preferred) | Not applicable |
Meeting these criteria your chances of approval and can influence the credit limit offered by HDFC Bank for its diverse range of credit cards.
How to Apply for HDFC Card
Applying for an HDFC Bank Credit Card in 2026 involves a straightforward online process. Most applicants can complete the application by providing basic personal and financial details, along with necessary documents.
HDFC Bank reviews applications based on annual income, credit score, and existing banking relationships.
- Online Application: Visit the HDFC Bank website, to “Cards” > “Credit Cards,” and click “Apply Now.”
- Personal Details: Enter your mobile number, PAN, and date of birth as required on the application form.
- Document Upload: Upload digital copies of your Aadhaar card, income proof (salary slips or ITR), and address proof for KYC verification.
- Card Selection: Choose the HDFC Bank Credit Card that best suits your spending needs and eligibility criteria.
- Application Submission: Submit the completed application form and uploaded documents for bank review.
- Status Tracking: Monitor your application status through the HDFC Bank website or the PayZapp mobile application.
Ensure all documents are clear and accurate to help a smooth application and approval process.
HDFC Credit Card Fees & Charges
HDFC Bank credit cards carry various fees, including annual charges and interest rates ranging from 23.88% to 45% per annum as of 2026. Many cards offer annual fee waivers based on spending thresholds, such as ₹1,00,000 or ₹2,00,000 annually.
| Charge Type | Fee (₹) | Details |
|---|---|---|
| Annual/Joining Fees (IndianOil HDFC Bank Credit Card) | ₹500 | Applicable for both joining and annual renewal. |
| Annual Fee (Swiggy HDFC Bank Credit Card) | ₹500 | Standard annual fee. |
| Annual Fee (HDFC Millennia Credit Card) | ₹1,000 | Waived on spending over ₹1,00,000 annually. |
| Annual Fee Waiver (HDFC Millennia Credit Card) | Waived | On spending ₹2,00,000 or more per year. |
| Joining & Annual Membership Fee (IRCTC HDFC Bank Credit Card) | ₹499 plus taxes | Combined fee for joining and annual membership. |
| First Year Fee (HDFC Bank Moneyback Card) | ₹500 | Waived if a current/savings account is opened within 3 months of card approval. |
| First Year Fee (HDFC Bank Freedom Credit Card) | ₹500 | Waived if a CASA account is opened with HDFC Bank. |
| Interest Rates (Finance Charges) | 23.88% to 45% per annum | Applies to unpaid balances, cash withdrawals, and partial payments. |
| Cash Withdrawal Charges | 2.5% of withdrawn amount or ₹500 (whichever is higher) | Plus interest at 1.99% to 3.75% per month (23.88% to 45% p.a.). |
| Balance Transfer Processing Fee | 1% of transfer amount or ₹250 (whichever is higher) | Applicable when transferring balances from other bank cards, plus taxes. |
| Late Payment Charges | Varies by outstanding amount | Incurred if the Minimum Amount Due is not paid by the due date, potentially increasing interest rates. |
| Foreign Currency Markup Fee | Varies by card | Levied on international transactions and cross-currency purchases. |
Understanding these charges helps in selecting an HDFC credit card that aligns with your spending habits and minimizes overall costs.
Maximizing HDFC Card Rewards
HDFC Bank offers around 35 credit cards, catering to diverse spending habits from daily s to luxury travel. As of February 2026, HDFC Bank has over 2.62 crore active credit cards, making IT the first Indian bank to cross two crore cardholders. Maximizing rewards involves understanding each card’s specific benefits and aligning them with your spending patterns.
For new credit card users, the HDFC Bank Freedom and MoneyBack+ cards offer simplicity and low costs, with annual fees around ₹500. Frequent fuel users benefit from the IndianOil HDFC Bank Credit Card, which provides 5% fuel savings at IndianOil pumps. High-spenders seeking luxury perks can opt for the invite-only HDFC Infinia Credit Card or the Diners Club Black Metal Edition, which offer extensive travel and lifestyle benefits.
HDFC Bank also provides specialized cards for specific needs. The Swiggy HDFC Card offers 5% cashback on Swiggy and other online spends, ideal for daily food orders. Travellers can choose the Marriott Bonvoy HDFC Bank Credit Card for hotel benefits or the IRCTC HDFC Bank Credit Card for train travel savings. Many cards, like the HDFC Millennia, offer a renewal fee waiver on annual spending over ₹1,00,000, providing significant value.
Key Takeaways
- HDFC Bank offers over 35 credit cards, with 2.62 crore active cards as of February 2026, serving diverse user needs.
- Cards like HDFC Freedom and MoneyBack+ are suitable for beginners, while Infinia and Diners Club Black cater to high-income, luxury spenders.
- Specific cards like Swiggy HDFC and IndianOil HDFC provide targeted cashback and savings on food orders and fuel expenses.
Review your spending habits and compare HDFC Bank credit card features on the official HDFC Bank website to find the best fit for your financial goals.
Frequently Asked Questions (FAQs)
Which HDFC Bank credit card is best for beginners in 2026?
For beginners in 2026, the HDFC Bank MoneyBack+ Credit Card is often recommended due to its straightforward reward structure and lower fees. IT offers 10X CashPoints on popular merchants like Amazon, Flipkart, Swiggy, and Zomato, making IT easy to earn rewards on everyday spending. The card also has a relatively simple eligibility criteria, making IT accessible for those new to credit.
What are the eligibility criteria for HDFC Bank credit cards in 2026?
As of 2026, general eligibility for HDFC Bank credit cards requires applicants to be Indian citizens, aged between 21 and 60 years for salaried individuals, and 21 to 65 years for self-employed individuals. A minimum net monthly income of ₹25,000 to ₹35,000 is typically required, varying by card type. A CIBIL score of 750 or higher significantly improves approval chances and access to better card options.
Which HDFC Bank credit card offers the best travel benefits in 2026?
The HDFC Bank Diners Club Black Metal Edition and Infinia Metal Edition credit cards offer the best travel benefits in 2026, including unlimited airport lounge access globally for primary and add-on cardholders. These cards provide accelerated reward points on travel bookings and complimentary memberships to programs like Club Marriott. The Marriott Bonvoy HDFC Bank Credit Card is also excellent for hotel stays, offering bonus points and elite status.
Can I get an HDFC Bank credit card without income proof in 2026?
Yes, you can get an HDFC Bank Credit Card Against Fixed Deposit (FD) in 2026, even without income proof. This secured credit card is issued against your HDFC Bank Fixed Deposit, offering a credit limit typically up to 80-90% of the FD value. IT’s a good option for individuals new to credit or those who do not meet standard income eligibility criteria.
Which HDFC credit card is best for online shopping and cashback in 2026?
For online shopping and cashback in 2026, the HDFC Bank Millennia Credit Card is a top choice, offering 5% cashback on popular online merchants like Amazon, Flipkart, Myntra, and Zomato. The card also provides 1% cashback on all other online spends. The Swiggy HDFC Bank Credit Card is ideal for food orders, giving 10% cashback on Swiggy spends.
What are the annual fees for HDFC Bank credit cards in 2026?
Annual fees for HDFC Bank credit cards in 2026 vary widely, from ₹500 for entry-level cards like MoneyBack+ to ₹12,500 for premium cards like Infinia Metal Edition. Many cards offer fee waivers on achieving a specific annual spending milestone, such as ₹1 lakh for the Millennia card. Always check the specific card’s terms for current fees and waiver conditions.
How can I apply for an HDFC Bank credit card online in 2026?
To apply for an HDFC Bank credit card online in 2026, visit the official HDFC Bank website and to the ‘Credit Cards’ section. You will need to fill out an online application form with personal details, income information, and upload required documents like Aadhaar, PAN, and income proof. The bank will then review your application and documents, with status updates often available via their PayZapp app or website.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI) before deciding.