HDFC Credit Cards: Types, Fees and Real Returns

The right HDFC credit card is the one whose fee your own spending earns back. The tables below show what each card really returns and the spend it needs to break even.

The short answer

• We rate 4 HDFC Bank cards, scoring 2.8 to 3.2 out of 5.
• Tata Neu Infinity is top at 3.2, then Regalia Gold at 3.1.
• Infinia gives the best returns at 3.3%, but you need about ₹4.47 lakh of card spending a year to cover its ₹14,750 fee.
• Three of the four charge 2.0% on foreign spending, against the usual 3.5%.

HDFC Bank credit cards at a glance

as of 15 Aug 2026 · Issuer fee schedules and product pages, cross-checked against our card catalogue

Every HDFC Bank card we rate

Ranked by our card formula: 40% real rewards, 25% perks, 20% fees, 15% who can get it. Fees include the 18% GST that almost no site shows — the weightings are published in full in our rating methodology.

as of 15 Aug 2026 · Issuer fee schedules and product pages. Full reviews: Tata Neu Infinity, Regalia Gold, Infinia and Millennia.

What each card has to return before it pays for itself

How much you must spend on the card each year before the rewards cover the fee. Spend less than this and the card costs you money.

as of 15 Aug 2026 · Computed from our card catalogue: fee including GST ÷ effective reward rate

The most expensive card is not the best one

HDFC Bank Infinia gives the highest returns of the four cards we rate, at 3.3%. It also charges ₹12,500 a year — ₹14,750 with GST. We score it 2.8 out of 5, below Tata Neu Infinity at 3.2 and Regalia Gold at 3.1.

The reason is simple. A 0.5 point better return does not pay for a fee eight times bigger.

The break-even numbers show it plainly. Infinia needs about ₹4.47 lakh of card spending a year before the rewards cover the fee. Tata Neu Infinity needs about ₹63,000. Millennia needs about ₹49,000.

So a card is not premium because it costs more. It is worth it only if you spend enough to earn the fee back. That is a fact about you, not about the card. Work out what you actually spend on a card each year, then read the table.

Fee waivers change this, and our score deliberately gives only half credit for one. A waiver at a spending level you will never reach is worth nothing.

Look at the real return, not the advertised one

Every return figure here is a realistic blended rate, not the headline number.

Take a card advertising 5% cashback on one category, capped at ₹1,000 every three months, with 1% everywhere else. That is not a 5% card. Scoring it as one would just rank cards by how loudly they market themselves.

Once the caps are applied, these four cards return 2.4% to 3.3%. That is less than a point between the weakest and the strongest, even though their advertised rates look far apart. The same adjustment is what reorders our list of the best cashback credit cards.

The other number to check is the foreign currency markup, because it is charged on everything you buy abroad and you only see it on the statement. Infinia, Regalia Gold and Tata Neu Infinity charge 2.0%. The usual market rate is 3.5%, which is what Millennia charges. On ₹2 lakh of overseas spending, that difference is ₹3,000.

What these scores do not cover

Our scores are built from fees, real returns, lounge access, foreign currency markup and who can get the card. They do not measure how fast a dispute gets settled, how good the app is, or how the bank behaves when a payment goes wrong. We do not hold data on any of that, so we do not comment on it.

They also do not guess the value of reward points. A point is only worth what you can actually redeem it for, and redemption rates change without notice. Our figures use a realistic redemption value, not the best-case transfer deal that most reward comparisons quietly assume.

And a card you cannot get is worth nothing, which is why eligibility carries 15% of the score. Infinia asks for the highest income and credit score of the four. Millennia asks for the least. That is part of why the cheapest card and the priciest one end up with the same overall score.

Two cards usually beat one

Each card here breaks even at a different level of spending, and each is good at something different. So for most people the answer is not one best card.

A low-fee card you can easily earn back, plus one card with a 2.0% foreign markup for travel, covers more than either alone.

What to avoid is a card whose fee you never earn back. On these numbers, Infinia costs you money below about ₹4.47 lakh of card spending a year. Regalia Gold costs you money below about ₹1.13 lakh. And that is before you ask whether the lounge access is any use to you.