HDFC Bank credit cards we compare
12 HDFC cards side by side, and which one suits each kind of spend. Facts from HDFC's own pages.
12 cards · last verified 20 Oct 2026 · how we compare
All HDFC cards we compare
| Card | Fees | Base rate | UPI | Airport lounge | Good for | Apply |
|---|---|---|---|---|---|---|
| HDFC Bank Diners Club Black Metal Edition Credit Card5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Double points at standalone restaurants on Saturdays and Sundays, 10,000 bonus points each calendar quarter you spend ₹4 lakh, and up to 10 times the points on travel and shopping through SmartBuy. Fuel, rent, wallet loads, EMI and government payments earn nothing. | ₹10,000 joining, ₹10,000 a year | 3.33% | No | Unlimited domestic + unlimited international | Online shopping and groceries, Bills and utilities, Self-employed, Travel and lounges, Airport lounge access, Premium | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| HDFC Bank Diners Club Privilege Credit Card4 reward points per ₹200: about 1% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), less for catalogue products (up to ₹0.35 a point) and 0.4% as statement credit (₹0.20 a point). 5 times the points on Swiggy and Zomato food orders (about 5%), with the extra points capped at 2,500 a month. A ₹1,500 voucher each calendar quarter you spend ₹1.5 lakh, and buy-one-get-one BookMyShow tickets for Friday to Sunday shows (up to ₹250 off a ticket, 2 free tickets a month). Fuel, rent, wallet loads, EMI and government payments earn nothing. We haven't confirmed HDFC's point values for this card on its own page yet, so we don't show a % rate. | ₹1,000 joining, ₹1,000 a year | – | No | 8 domestic + 4 international a year | Movies and dining, Self-employed, Airport lounge access | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| HDFC Bank INFINIA Credit Card Metal Edition5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Up to 10 times the points on travel and shopping through SmartBuy, within 15,000 bonus points a month. Fuel, rent, wallet loads and government payments earn nothing. | ₹12,500 joining, ₹12,500 a year | 3.33% | No | Unlimited domestic + unlimited international | Online shopping and groceries, Bills and utilities, Travel and lounges, Airport lounge access, Premium | View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. |
| HDFC Bank Millennia Credit CardCashback as CashPoints worth ₹1 each against your bill: 5% at 10 online merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV) and 1% on most other spends, each capped at ₹1,000 a month. Fuel, rent, wallet loads, EMI and government payments earn nothing. | ₹1,000 joining, ₹1,000 a year | 1% | No | 4 domestic a year | Online shopping and groceries, Cashback, Movies and dining, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
| HDFC Bank MoneyBack+ Credit CardCashPoints worth ₹0.20 each as statement credit: 20 per ₹200 (about 2% back) at Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart stores, capped at 2,500 CashPoints (₹500) a month, and 2 per ₹200 (about 0.2%) on most other spends. Plus a ₹500 gift voucher each calendar quarter you spend ₹50,000. Fuel, rent, wallet loads, EMI and government payments earn nothing. | ₹500 joining, ₹500 a year | 0.2% | No | None | Online shopping and groceries, Cashback, Self-employed | Apply nowVia our referral partner. We may earn a commission. |
| HDFC Bank PIXEL Play Credit CardCashback as CashPoints: 5% on two merchant packs you choose, 3% on one e-commerce platform you choose, 5% on SmartBuy, 1% on everything else; all capped monthly, and fuel and rent earn nothing. | ₹500 joining, ₹500 a year | 1% | Yes | None | Online shopping and groceries, UPI and RuPay, Cashback, Movies and dining, Self-employed | Apply nowVia our referral partner. We may earn a commission. |
| HDFC Bank Regalia Gold Credit Card5 reward points per ₹200: about 1.25% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), or 0.375% as statement credit (₹0.15 a point). 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer. Fuel, rent, wallet loads and government payments earn nothing. | ₹2,500 joining, ₹2,500 a year | 1.25% | No | 12 domestic + 6 international a year | Self-employed, Travel and lounges, Airport lounge access, Premium | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| HDFC Bank UPI RuPay Credit CardVirtual RuPay card for UPI: 3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp, 2 per ₹100 on utility bills and 1 per ₹100 elsewhere. A CashPoint is worth ₹0.25, so that is 0.75%, 0.5% and 0.25% back, each capped at 500 CashPoints (₹125) a month. | ₹99 joining, ₹99 a year | 0.25% | Yes | None | UPI and RuPay | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| Marriott Bonvoy HDFC Bank Credit CardEarns Marriott Bonvoy points, not cash: 8 per ₹150 at Marriott hotels, 4 per ₹150 on travel, dining and entertainment, and 2 per ₹150 on most other spends. Points go to your Marriott Bonvoy account for hotel stays and other Marriott rewards and can't be turned into cash; HDFC Bank doesn't give them a rupee value. Up to 3 extra free nights a year when your spend in a card year reaches ₹6 lakh, ₹9 lakh and ₹15 lakh. Fuel, rent, wallet loads, vouchers, EMI and government payments earn nothing. | ₹3,000 joining, ₹3,000 a year | – | No | 12 domestic + 12 international a year | Self-employed, Travel and lounges, Airport lounge access, Premium | Apply nowVia our referral partner. We may earn a commission. |
| Swiggy BLCK HDFC Bank Credit CardCashback taken off your card bill: 10% on the Swiggy app (food delivery, Instamart, Dineout) up to ₹1,500 a billing cycle, 5% on online spends at listed merchants such as Amazon, Flipkart, Myntra, Nykaa, Cleartrip and BookMyShow up to ₹1,500, and 1% on most other spends up to ₹1,000, so at most ₹4,000 a cycle. Fuel, rent, wallet loads, gift cards, jewellery, gaming, education, EMI and government payments earn nothing. New cardholders get 3 months of Swiggy BLCK membership. | ₹1,000 joining, ₹1,000 a year | 1% | No | None | Online shopping and groceries, Cashback, Movies and dining, Self-employed | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| Tata Neu Infinity HDFC Bank Credit CardNeuCoins worth ₹1 each on Tata Neu: 5% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1.5% on other spends, up to 1.5% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing. | ₹1,499 joining, ₹1,499 a year | 1.5% | Yes | 8 domestic + 4 international a year | Online shopping and groceries, UPI and RuPay, Bills and utilities, Self-employed, Travel and lounges, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
| Tata Neu Plus HDFC Bank Credit CardNeuCoins worth ₹1 each on Tata Neu: 2% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1% on other spends, up to 1% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing. | ₹499 joining, ₹499 a year | 1% | Yes | 4 domestic a year | Online shopping and groceries, UPI and RuPay, Bills and utilities, Self-employed, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
Base rate is the value back on everyday spends at HDFC's published redemption value; “–” means it isn't published. Fees exclude GST. Ranking never depends on whether we earn from a card.
Which HDFC card for which spend
- Online shopping and groceriesHDFC Bank Millennia Credit Card5% on online shopping · #2 of 23 cards we compare · see all online shopping and groceries cards
- UPI and RuPayTata Neu Infinity HDFC Bank Credit Card1.5% on UPI · #5 of 30 cards we compare · see all UPI and RuPay cards
- CashbackHDFC Bank Millennia Credit Card5% on online shopping · #2 of 15 cards we compare · see all cashback cards
- Movies and diningSwiggy BLCK HDFC Bank Credit Card10% on dining and food delivery · #3 of 29 cards we compare · see all movies and dining cards
- Bills and utilitiesHDFC Bank Diners Club Black Metal Edition Credit Card3.33% on bills and utilities · #5 of 16 cards we compare · see all bills and utilities cards
- Self-employedTata Neu Plus HDFC Bank Credit Card₹499 joining, ₹499 a year · #16 of 32 cards we compare · see all self-employed cards
- Travel and loungesHDFC Bank Diners Club Black Metal Edition Credit Card3.33% on travel · #4 of 24 cards we compare · see all travel and lounges cards
- Airport lounge accessHDFC Bank Diners Club Black Metal Edition Credit CardUnlimited domestic + unlimited international · #1 of 38 cards we compare · see all airport lounge access cards
- PremiumHDFC Bank Diners Club Black Metal Edition Credit Card₹10,000 joining, ₹10,000 a year · #1 of 18 cards we compare · see all premium cards
Self-employed?
HDFC says self-employed people can apply for HDFC Bank Diners Club Black Metal Edition Credit Card, HDFC Bank Diners Club Privilege Credit Card, HDFC Bank MoneyBack+ Credit Card, HDFC Bank PIXEL Play Credit Card, HDFC Bank Regalia Gold Credit Card, Marriott Bonvoy HDFC Bank Credit Card, Swiggy BLCK HDFC Bank Credit Card, Tata Neu Infinity HDFC Bank Credit Card and Tata Neu Plus HDFC Bank Credit Card. Details are on each card's page and on our self-employed cards page.
Compare side by side
- Axis Bank Magnus Credit Card vs HDFC Bank INFINIA Credit Card Metal Edition
- Axis Bank Select Credit Card vs HDFC Bank Regalia Gold Credit Card
- CASHBACK SBI Card vs HDFC Bank Millennia Credit Card
- HDFC Bank Diners Club Black Metal Edition Credit Card vs HDFC Bank INFINIA Credit Card Metal Edition
- HDFC Bank Diners Club Privilege Credit Card vs HDFC Bank Regalia Gold Credit Card
- HDFC Bank INFINIA Credit Card Metal Edition vs HDFC Bank Regalia Gold Credit Card
- HDFC Bank INFINIA Credit Card Metal Edition vs HSBC Premier Credit Card
- HDFC Bank INFINIA Credit Card Metal Edition vs ICICI Bank Emeralde Private Metal Credit Card
- HDFC Bank INFINIA Credit Card Metal Edition vs Times Black ICICI Bank Credit Card
- HDFC Bank Millennia Credit Card vs HSBC Live+ Credit Card
- HDFC Bank Millennia Credit Card vs IDFC FIRST Millennia Credit Card
- HDFC Bank Regalia Gold Credit Card vs Marriott Bonvoy HDFC Bank Credit Card
- HDFC Bank Regalia Gold Credit Card vs SBI Card ELITE
- Kiwi RuPay Credit Card (PNB) vs Tata Neu Plus HDFC Bank Credit Card
- SimplySAVE SBI Card vs Tata Neu Plus HDFC Bank Credit Card
- Tata Neu Infinity HDFC Bank Credit Card vs Tata Neu Plus HDFC Bank Credit Card
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Which HDFC credit card is lifetime free?
None of the HDFC cards we compare is lifetime free; most waive the annual fee above a yearly spend, shown on each card's page.
Which HDFC credit card works on UPI?
HDFC Bank PIXEL Play Credit Card, HDFC Bank UPI RuPay Credit Card, Tata Neu Infinity HDFC Bank Credit Card and Tata Neu Plus HDFC Bank Credit Card. They're RuPay cards, so they can be linked to UPI apps for merchant payments; UPI rewards are often lower than card rewards.
Which HDFC credit card gives airport lounge access?
HDFC Bank Diners Club Black Metal Edition Credit Card (Unlimited domestic + unlimited international); HDFC Bank INFINIA Credit Card Metal Edition (Unlimited domestic + unlimited international); Marriott Bonvoy HDFC Bank Credit Card (12 domestic + 12 international a year); HDFC Bank Regalia Gold Credit Card (12 domestic + 6 international a year); HDFC Bank Diners Club Privilege Credit Card (8 domestic + 4 international a year); Tata Neu Infinity HDFC Bank Credit Card (8 domestic + 4 international a year); HDFC Bank Millennia Credit Card (4 domestic a year); Tata Neu Plus HDFC Bank Credit Card (4 domestic a year). Most cards now need a minimum spend to unlock visits; see the lounge page for each card's condition.
What income do I need for an HDFC credit card?
The lowest published income among these cards is ₹20,000 a month for the HDFC Bank MoneyBack+ Credit Card, and the highest ₹2,50,000 a month for the HDFC Bank Diners Club Black Metal Edition Credit Card (salaried). HDFC decides approval on its own checks, including your credit score.
How did you check these cards?
Every fee, reward rate and eligibility rule comes from HDFC's own pages and terms, last verified 20 Oct 2026. It may not be every HDFC card. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.