Summary
HDFC Bank has a variety of credit cards (Top 10 HDFC Bank Credit Cards) to suit different lifestyles like travel, shopping, dining, and luxury. The cards provide great features like reward points, cashback, milestone rewards, and privilege rewards to enhance the user experience.
One of the most high-end cards is the HDFC Bank INFINIA Metal Credit Card, which provides unlimited lounge access, premium-reward rates, and exclusive travel and lifestyle benefits. Similarly, the Diners Club Black Credit Card is ideal for luxury travelers who appreciate free memberships, milestone rewards, and unlimited international lounge visits.
For frequent travelers, the InterMiles HDFC Bank Diners Club Credit Card is a card that allows users to earn InterMiles on every spend, with special flight and hotel discounts. H.O.G Diners Club Credit Card is for Harley Owners Group (H.O.G) members and comes with special Harley-Davidson benefits, golf club memberships, and luxury concierge services.
Introduction
Among India’s top banks, HDFC Bank provides credit cards (Top 10 HDFC Bank Credit Cards) to meet a variety of demands. Among the credit cards HDFC Bank offers, cashback, rewards, travel incentives, and lifestyle advantages abound to meet your situation. By picking the appropriate credit card, you can earn points, save money, and take advantage of special benefits.
Among the conveniences of HDFC credit cards are reward points, lounge access, fuel surcharge waivers, and dining and shopping discounts. While some cards are designed for frequent travelers and provide free access to airport lounges and travel insurance, others offer outstanding returns on normal expenditures. The bank also provides extravagant benefit premium cards for high-net-worth individuals.
This page will go over the Top 10 HDFC Bank Credit Cards and their salient features. These cards were chosen because of their extensive use, advantages, and overall worth to consumers. Regardless of whether you are a regular traveler, a salaried worker, or a shopper, HDFC has a card that will work for you. Let’s review their features to help you decide which of these best HDFC credit cards would be most suited for you.
Top 10 HDFC Bank Credit Cards and Their Features
HDFC Bank Millennia Credit Card
The HDFC Bank Millennia Credit Card is for young professionals and online shoppers who enjoy rewards and cashback. It provides 5% cashback on trendy brands such as Amazon, Flipkart, Swiggy, and Zomato and 1% cashback on all other purchases. The card also offers airport lounge access, fuel surcharge waiver, and convenient EMI options. With its fashionable look and catchy promotions, the Millennia Credit Card is ideal for individuals who need to get the most out of their savings on daily spending.
| Features | Detail |
| Joining Fee | ₹1,000 + GST |
| Cashback Benefit | 5% cashback on Amazon, Flipkart, Swiggy, Zomato & other partner brands, 1% for other spends |
| Welcome Benefit | ₹1,000 worth of gift vouchers on spending ₹1 lakh in the initial 90 days |
| Airport Lounge Access | 4 complimentary domestic airport lounge access for 4 years |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on spends of ₹400 to ₹5,000 |
| EMI Conversion | Facility to convert spends above ₹2,500 to EMIs |
| Contactless Payment | Tap & pay facility for ₹5,000 spent without PIN |
| Annual Fee | ₹1,000 (reversed for ₹1 lakh spent in a year) |
| Reward Redemption | Reward Redemption Cashback in the form of CashPoints, which can be redeemed once ₹500 is earned |
| Interest-Free – Period | Interest-free credit of 50 days |
| Lost Card Liability | Lost Card Liability No liability on unauthorized transactions if loss is notified |
HDFC Bank Regalia Credit Card
The HDFC Bank Regalia Credit Card is a high-end credit card suitable for frequent travelers and lifestyle seekers. It offers free airport lounge access, reward points on every spend, and travel insurance benefits. Card members enjoy exclusive offers on dining, hotel reservations, and flight tickets. With its high reward rate, minimal forex markup, and luxury benefits, the Regalia Credit Card is ideal for customers seeking travel and lifestyle rewards in one package.
| Features | Detail |
| Joining Fee | ₹2,500 + GST |
| Reward Point | 4 reward points for each ₹150 spent on retail transactions |
| Travel Benefit | Free travel concierge services and reduced-rate flight/hotel bookings |
| Airport Lounge Access | 12 domestic & 6 international lounge visits for free per year |
| Fuel Surcharge Waiver | Waiver of 1% on fuel transactions between ₹400 to ₹5,000 |
| EMI Conversion | Facility to convert spends above ₹2,500 to EMIs |
| Contactless Payment | Contactless Payments Tap & pay facility for payments up to ₹5,000 without a PIN |
| Annual Fee | ₹2,500 (waived on spends of ₹3 lakh in a year) |
| Reward Redemption | Reward Redemption Redeem points for flights, hotels, and luxury gifts |
| Dining Privilege | 20% discount at partner dining restaurants through Dineout Passport |
| Foreign Currency Markup | Minimum forex markup of 2% on international spends |
Tata Neu Infinity HDFC Bank Credit Card
The Tata Neu Infinity HDFC Bank Credit Card is a premium co-branded credit card for frequent users who shop frequently on the Tata Neu platform. It rewards 5% NeuCoins for Tata brand spending, including BigBasket, Croma, Tata 1mg, and Tata Cliq, and 1.5% NeuCoins for other spending. The card also offers benefits of airport lounge visits, forex markup minimum, and Tata brand exclusive deals. With amazing benefits and travel rewards, this card is ideal for Tata brand fans.
| Features | Detail |
| Joining Fee | ₹1,499 + GST |
| Reward Point | 5% NeuCoins on Tata brand transactions (Croma, BigBasket, Tata 1mg, etc.), 1.5% NeuCoins on all other transactions |
| Welcome Benefit | 1,499 NeuCoins on card activation |
| Airport Lounge Access | 8 domestic & 4 international lounge access per year |
| Fuel Surcharge Waiver | 1% surcharge waiver on fuel transactions of ₹400 to ₹5,000 |
| Insurance Protection | ₹1 crore air accident cover and travel insurance protection |
| Contactless Payment | Tap & pay facility up to ₹5,000 without PIN |
| Annual Fee | ₹1,499 ( waived off on spends of ₹3 lakh per annum) |
| Reward Redemption | Use NeuCoins for shopping, travel, and other Tata benefits |
| Dining PPrivilege | Discounts at partner restaurants under HDFC Bank’s Good Food Trail program |
| Foreign Currency Markup | Low 1.5% markup on foreign spend |
Marriott Bonvoy HDFC Bank Credit Card
Marriott Bonvoy HDFC Bank Credit Card is India’s first co-branded luxury stay lovers and experience better seekers’ hotel credit cards. The card features a luxurious Marriott Bonvoy reward, free hotel stays, airport lounge access, and more points on Marriott hotel bookings. Joining the privileges of minimum forex markup and elite status rewards, the card is most appropriate for regular travelers and Marriott Bonvoy members who need to earn maximum hotel rewards.
| Features | Detail |
| Joining Fee | ₹3,000 (plus tax) |
| Reward Point | 8 Marriott Bonvoy points for each ₹150 spent at Marriott hotels, 2 points for each ₹150 on other expenses |
| Welcome Benefit | 10,000 Marriott Bonvoy points at card activationFree Night Stay One free annual Free Night Award (up to a value of 15,000 points) |
| Airport Lounge Access | 12 free domestic lounge visits annually |
| Elite Status | Automatic Silver Elite Status with Marriott Bonvoy |
| Insurance Protection | Travel insurance and air accident cover up to ₹1 crore |
| Contactless Payment | Tap & pay facility up to ₹5,000 without PIN |
| Annual Fee | ₹3,000 (plus tax) |
| Reward Redemption | Earn your points back for accommodation nights, room upgrades, and travel experiences |
| Dining Privilege | Special rates on dining and hotel nights at Marriott hotels |
| Foreign Currency Markup | Minimum forex markup of 2% on foreign exchange transactions |
HDFC Bank Diners Club Black Metal Edition Credit Card
The HDFC Bank Diners Club Black Metal Edition Credit Card is a high-end lifestyle and travel credit card for individuals with high net worth. The card provides unlimited lounge access at airports, luxurious travel privileges, increased reward points, and free memberships at luxury brands. The card is best for those who have an elite experience aspiration and unparalleled privileges globally through its metal finish, exclusive dining privileges, and low forex markup.
| Features | Detail |
| Joining Fee | ₹10,000 (inclusive of taxes) |
| Reward Point | Earn 5 reward points on every ₹150 spent on retail transactions. |
| Luxury Travel Benefits | FREE membership of Myles Zero for car bookings and priority travel offers |
| Airport Lounge Access | UNLIMITED FREE domestic & international lounge access |
| Premium Memberships | FREE membership to Amazon Prime, Club Marriott, Forbes, and MMT Black |
| Insurance Protection | Insurance Cover Air accident insurance cover of ₹2 crore with travel insurance |
| Contactless Payment | Tap & pay for transactions of up to ₹5,000 without a PIN |
| Annual Fee | ₹10,000 (inclusive of taxes) – waived on yearly spends of ₹8 lakh |
| Milestone Benefit | Up to 50,000 reward points on yearly spends of ₹8 lakh |
| Dining Privilege | Dining Privileges Special offers at upscale restaurants via Diners Club Privileges |
| Foreign Currency Markup | Forex Markup Low forex markup of just 1.5% on international transactions |
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card is a luxury, invitation-only credit card for high-net-worth individuals. Packed with opulent privileges, it has unlimited lounge benefits across the globe, instant reward points, free golf rounds, and upgraded travel and dining privileges. Without a pre-approved credit limit and metallic finish, INFINIA represents exclusivity and liberty.
| Features | Detail |
| Joining Fee | ₹12,500 + GST |
| Reward Point | 5 reward points on every ₹150 spent |
| Luxury Travel Benefits | Member-priority access to Club Marriott & air accident cover |
| Airport Lounge Access | Lifetime complimentary access to domestic & international lounges for primary & add-on cardholders. |
| Concierge Service | 24×7 international concierge for travel, dining & lifestyle support |
| Insurance Protection | Insurance Cover ₹3 crore air accident cover, travel & medical insurance |
| Contactless Payment | Tap & pay for transactions of up to ₹5,000 without a PIN |
| Annual Fee | ₹12,500 + GST (refundable on spending ₹10 lakh in a year) |
| Golf Privileges | Complimentary golf games at premium golf courses globally |
| Dining Privilege | Discounts at premium restaurants via the Good Food Trail Program |
| Foreign Currency Markup | Foreign Exchange Markup Low forex markup of 2% on international spending |
Shoppers Stop Black HDFC Bank Credit Card
Shoppers Stop Black HDFC Bank Credit Card is a co-branded card and is targeted at regular Shoppers Stop shoppers. It provides bonus reward points, special discounts, and increased shopping privileges such as free membership to First Citizen Black. It provides special cashback, milestone rewards, and pre-priority offers on sales and is thus a great option for lifestyle and fashion lovers.
| Features | Detail |
| Joining Fee | ₹4,500 + GST |
| Reward Point | 20 First Citizen Points for each ₹150 spent at Shoppers Stop, 2 First Citizen Points for each ₹150 spent on other categories |
| Fuel Surcharge Waiver | 1% off on fuel transactions (₹400-₹5,000) |
| Airport Lounge Access | 8 complimentary domestic lounge visits per year |
| Welcome Benefit | Free First Citizen Black Membership (worth ₹4,500) |
| Milestone Benefit | 2,000 bonus First Citizen Points on the spending of ₹5 lacks in a year |
| Instant Discounts Fixed | 5% discount on all transactions at Shoppers Stop |
| Annual Fee | ₹4,500 + GST (waived on spending ₹3 lakh in a year) |
| Other Benefits | Priority sales access & exclusive preview offers |
| Foreign Currency Markup | 3.5% on cross-border transactions |
HDFC Bank Diners Club Black Credit Card
HDFC Bank Diners Club Black Credit Card is a premium lifestyle credit card with higher benefits on travel, dining, and luxury. With an unlimited airport lounge facility, quicker reward points, complimentary memberships, and minimum foreign exchange markup, the card is ideal for high-value consumers. It also has special golf privileges, milestone rewards, and best-of-class concierge service, making it an ideal choice for high-end leisure and travel communities.
| Features | Detail |
| Joining Fee | ₹10,000 + GST |
| Reward Point | 5 reward points per ₹150 spent |
| Free Memberships | Amazon Prime, Zomato Gold, Times Prime, MMT Black, Forbes India, & Dineout Passport free on spending ₹1.5 lakh in a quarter |
| Airport Lounge Access | Unlimited complimentary domestic & international lounge access |
| Concierge Service | 24×7 international concierge for travel, dining & lifestyle services |
| Insurance Protection | ₹2 crore air accident cover, travel insurance benefits |
| Contactless Payment | Tap & pay for transactions of up to ₹5,000 without a PIN |
| Annual Fee | ₹10,000 + GST (waived on spending ₹5 lakh within a year) |
| Golf Privileges | 6 complimentary golf games in a quarter |
| Dining Privilege | logic Special dining discounts via the Good Food Trail Program |
| Foreign Currency Markup | Foreign Exchange Markup REduced forex markup of 1.99% |
HDFC Bank H.O.G Diners Club Credit Card
HDFC Bank H.O.G Diners Club Credit Card is a high-end, co-branded credit card designed specifically for Harley Owners Group (H.O.G) members. The card offers lifestyle and travel benefits of the highest order such as increased reward points, unlimited lounge access at airports, fuel surcharge refund, and special Harley-Davidson privileges. The card, offering high-end comforts like golf course facility access, concierge facility, and zero foreign exchange markup, is ideal for Harley-Davidson riders who are looking to live life in high style on and off the highway.
| Features | Detail |
| Joining Fee | ₹10,000 + GST |
| Reward Point | 4 reward points for each ₹150 spent. Additional reward points for crossing annual spending thresholds |
| Fuel Surcharge Waiver | Waiver of 1% on fuel transactions (₹400-₹5,000) |
| Airport Lounge Access | Limitless free domestic & international lounge visits |
| Concierge Service | 24×7 global concierge for travel, dining & lifestyle assistance |
| Insurance Protection | ₹2 crore air accident cover, travel insurance benefits |
| Contactless Payment | Tap & pay for transactions of up to ₹5,000 without a PIN |
| Annual Fee | ₹5,000 + GST (refunded on spend ₹3 lakh within a year) |
| Golf Privileges | Free rounds of golf at premium courses |
| Dining Privilege | Exclusive dining offers under the Good Food Trail Program |
| Foreign Currency Markup | Low forex markup of 1.99% on foreign transactions |
InterMiles HDFC Bank Diners Club Credit Card
InterMiles HDFC Bank Diners Club Credit Card is a high-end travel credit card that is best suited for frequent flyers, providing the best rewards on flight reservations, hotel bookings, and daily expenses. It spoils card members with more InterMiles on dining and travel, unlimited lounge visits, and milestone rewards, making it ideal for those who prefer to travel in style.
| Features | Detail |
| Joining Fee | ₹5,000 + GST |
| InterMiles Earnings | 8 InterMiles for each ₹150 spent on flight & hotel bookings on InterMiles. 4 InterMiles for each ₹150 spent on shopping. |
| Milestone Benefits | Maximum 30,000 bonus InterMiles annually on achieving spending milestones |
| Airport Lounge Access | Free unlimited domestic & international airport lounge access |
| Concierge Service | 24×7 global concierge for travel, dining & lifestyle assistance |
| Hotel & Flight Discounts | Special discounts on partner hotels and airlines |
| Contactless Payment | Tap & pay for transactions of up to ₹5,000 without a PIN |
| Annual Fee | ₹5,000 + GST (lowered on spends ₹3 lakh in a year) |
| Welcome Benefit | Maximum 16,000 InterMiles on the first transaction |
| Dining Privilege | Special offers through the Good Food Trail Program |
| Foreign Currency Markup | Low forex markup of 1.99% on foreign transactions |
Conclusion
HDFC Bank offers a diversified range of credit cards (Top 10 HDFC Bank Credit Cards), each of which is designed to fulfill diverse financial needs, lifestyles, and payment habits. Be a travel enthusiast, shopaholic, foodie, or lifestyle aficionado looking for enhanced lifestyle rewards, HDFC Bank has a credit card that suits your needs.
From the luxury INFINIA Metal Credit Card and the high-end Diners Club Black Credit Card to travel cards like the InterMiles HDFC Bank Diners Club Credit Card, each card provides a unique set of rewards, discounts, and benefits. Features such as bonus reward points, unlimited airport lounge access, milestone rewards, concierge, and low foreign exchange markup make these cards highly desirable for those who wish to enjoy the best.
Moreover, HDFC Bank’s co-branded credit cards, like the Shoppers Stop Black HDFC Bank Credit Card and the H.O.G Diners Club Credit Card, offer unique features tailored to specific brands and groups, so customers get maximum value for their spending.
Frequently Asked Questions (FAQ’s)
Ans: The card offers 5% NeuCoins on purchases of the Tata brand, airport lounge access, and 1.5% forex markup, and hence is ideal for Tata brand enthusiasts.
Ans: It provides Marriott Bonvoy reward points, one free night stay per year, airport lounge access, and Silver Elite status, and thus is ideal for regular Marriott hotel guests.
Ans: If you like a debit card that provides cashback on all categories then go for Millennia. Go for a Platinum debit card if there are leftover spends on HDFC Bank BillPay and Recharge facility. If you are an account holder of HDFC Bank, then there is no requirement to go for any other debit card except Platinum and Millennia.
Ans: Yes, HDFC Bank provides a facility to pay your eligible transactions of ₹2,500 and above in easy EMIs.
Ans: The HDFC Bank Millennia Credit Card is ideal for online shopping, with 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and other partner brands.
Ans: The HDFC Bank Regalia Credit Card and HDFC Bank Diners Club Black Metal Edition Credit Card are ideal options for frequent flyers, with free airport lounge access, travel insurance, and low forex markup.
