Every HDFC Bank card we review, ranked on what they actually return.
The short answer
- Tata Neu Infinity scores highest of the four HDFC Bank cards we rate, at 3.2 out of 5.
- Then Regalia Gold at 3.1, and Infinia and Millennia both at 2.8.
- Infinia has the best returns at 3.3% but needs about ₹4.47 lakh of yearly card spending to cover its fee.
- Millennia is cheapest to hold at ₹1,180 a year, but charges 3.5% on foreign spending.
HDFC Bank cards, compared
| Particular | Detail |
|---|---|
| Cards rated | 4 |
| Highest rated | Tata Neu Infinity — 3.2 / 5 |
| Best returns | Infinia — 3.3% (still scores 2.8 overall, because of the fee) |
| Cheapest to hold | Millennia — ₹1,180 including GST |
| Easiest fee to earn back | Millennia — ₹49,167 of spending a year |
| Hardest fee to earn back | Infinia — ₹4,46,970 of spending a year |
| Best foreign spending charge | 2.0% — Infinia, Regalia Gold, Tata Neu Infinity. The usual rate is 3.5% |
15 Aug 2026 · Issuer fee schedules and product pages, scored with the published Credsir card formula
Ranked on our published 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 and the working are set out in how we rate products.
| Card | Rating | Fee incl GST | Effective return | Forex markup |
|---|---|---|---|---|
| 1. Tata Neu Infinity HDFC Bank | 3.2 / 5 | ₹1,769 | 2.8% | 2.0% |
| 2. HDFC Bank Regalia Gold | 3.1 / 5 | ₹2,950 | 2.6% | 2.0% |
| 3. HDFC Bank Infinia (Metal) | 2.8 / 5 | ₹14,750 | 3.3% | 2.0% |
| 3. HDFC Bank Millennia | 2.8 / 5 | ₹1,180 | 2.4% | 3.5% |
15 Aug 2026 · Credsir card catalogue and scoreCard() formula. Infinia and Millennia share a score for opposite reasons — Millennia is cheap but has the weakest return and the worst forex charge.
Annual spend each card needs before it pays for itself
Fee including GST divided by the effective reward rate. Below this figure the card costs you money to hold.
| Card | Break-even annual card spend | Working |
|---|---|---|
| HDFC Bank Millennia | ₹49,167 | ₹1,180 ÷ 2.4% |
| Tata Neu Infinity HDFC Bank | ₹63,179 | ₹1,769 ÷ 2.8% |
| HDFC Bank Regalia Gold | ₹1,13,462 | ₹2,950 ÷ 2.6% |
| HDFC Bank Infinia (Metal) | ₹4,46,970 | ₹14,750 ÷ 3.3%, before any fee waiver |
15 Aug 2026 · Computed from the card catalogue
The ranking is not the price list
Infinia gives the best returns of the four, at 3.3%, and comes third in our ranking at 2.8 out of 5. Tata Neu Infinity returns 2.8% and comes first at 3.2.
The formula is not being awkward. A 0.5 point better return does not pay for a fee eight times bigger. The break-even table says the same thing without the score: Infinia needs about ₹4.47 lakh of card spending a year before its rewards cover the ₹14,750 fee. Tata Neu Infinity needs about ₹63,000. Millennia needs about ₹49,000.
So if you spend ₹2 lakh a year on your card, Infinia is not a premium card. It is a loss. That is the general point. A card is worth having if you spend past its break-even, and that is a fact about you, not the card. Work out your yearly card spending first, then read the table.
Read the real return, not the advertised one
Every return figure here is a realistic blended rate with the caps applied, not the headline number. A card advertising 5% on one category, capped at ₹1,000 every three months, with 1% everywhere else, is not a 5% card. Scoring it as one would rank cards by how loudly they are marketed — the same correction we apply across the best cashback credit cards.
Once the caps are applied, these four cards return 2.4% to 3.3%. That is under a point between the weakest and the strongest, even though their advertised rates look far apart. Indian reward cards are much closer together than the marketing suggests.
The number most worth checking, and least often quoted, is the foreign currency markup. Infinia, Regalia Gold and Tata Neu Infinity charge 2.0%. The usual market rate is about 3.5%, which Millennia charges. On ₹2 lakh of overseas spending that is ₹3,000, added on top of the exchange rate and never shown separately on your statement.
Common questions
Which HDFC Bank credit card is best?
Tata Neu Infinity scores highest of the four we cover at 3.2 out of 5, then Regalia Gold at 3.1. Infinia gives the best returns at 3.3% but scores 2.8, because you need about ₹4.47 lakh of card spending a year to cover its ₹14,750 fee. The right card depends on what you spend, which is why we publish each break-even.
Which HDFC Bank card has the lowest annual fee?
Millennia, at ₹1,000 plus GST — ₹1,180 in total — then Tata Neu Infinity at ₹1,769. Millennia also has the lowest break-even at about ₹49,167 a year. But it has the weakest return of the four at 2.4% and the highest foreign currency markup at 3.5%.
Which HDFC Bank card is best for foreign spending?
Infinia, Regalia Gold or Tata Neu Infinity. All three charge 2.0% on foreign currency transactions, against a usual market rate near 3.5%. Millennia charges 3.5%. On ₹2 lakh of overseas spending the difference is ₹3,000.
What if none of these is my first card?
All four are scored on returns rather than on how easy they are to get. If you have no credit file yet, start from the best first credit cards instead, then come back to this table once you have a score.
The HDFC Bank credit cards hub holds the individual reviews behind each row. Terms change without notice — confirm the current figures with HDFC Bank before you act.