Compare annual fees, lounge access, reward rates, RuPay UPI features, and welcome benefits across HDFC Bank's official card lineup. Apply online with instant eligibility check and zero impact on your CIBIL score.
Zero paperwork • Soft inquiry with 0 CIBIL score impact.
Showing 1–6 of 29 HDFC Bank cards • Page 1 of 5
Visa Infinite / Mastercard World • Super-Premium & Luxury Travel
Visa Signature / Mastercard / RuPay • Cashback & Online Shopping
Visa Signature / Mastercard World • Premium Travel & Milestones
Mastercard World / RuPay • Food & Online Grocery Cashback
RuPay / Visa Signature • Tata Ecosystem & RuPay UPI
Visa / Mastercard / RuPay • Value Cashback & Essentials
Compare fees, maximum reward yields, airport lounge perks, and waiver milestones across flagship HDFC Bank cards side by side.
| Card SpecsComparison | Infinia Metal EditionSuper-Premium & Luxury Travel | Millennia Credit CardCashback & Online Shopping | MoneyBack+ Credit CardValue Cashback & Essentials |  Indian Oil HDFC Bank Credit CardFuel & Daily Commute |  PhonePe HDFC Bank Ultimo Credit CardPremium UPI & Lifestyle |  PhonePe HDFC Bank Uno Credit CardUPI & Everyday PhonePe |  BizGrow Credit CardStartup & Freelancer Growth |  HDFC Bank UPI RuPay Biz Credit CardVirtual Business UPI Card |  Paytm HDFC Bank Select Business Credit CardPremium Merchant & Corporate Travel | Regalia Gold Credit CardPremium Travel & Milestones | Swiggy HDFC Bank Credit CardFood & Online Grocery Cashback | Tata Neu Infinity HDFC Bank Credit CardTata Ecosystem & RuPay UPI |  HDFC Bank UPI RuPay Credit CardVirtual UPI Credit Card |  Diners Club Black Metal EditionSuper-Premium Lifestyle |  Tata Neu Plus HDFC Bank Credit CardValue Tata Ecosystem & UPI |  Marriott Bonvoy HDFC Bank Credit CardLuxury Hotel & Global Stays |  Freedom Credit CardEntry-Level Starter |  PIXEL Play Credit CardCustomizable Digital Cashback |  Diners Club Privilege Credit CardDining & Entertainment Premium |  IRCTC HDFC Bank Credit CardRail Travel & Executive Lounges |  BizBlack Metal Edition Credit CardSuper-Premium Commercial & Business |  Swiggy BLCK HDFC Bank Credit CardSupercharged Food & Dining |  PIXEL Go Credit CardDigital-First Credit Starter |  BizPower Credit CardMid-Tier Business & Travel |  BizFirst Credit CardSmall Business & EMI Essentials |  Swiggy Ornge HDFC Bank Credit CardEntry Food & Daily Needs |  GIGA Business Credit CardGig Economy & Digital Solopreneurs |  Paytm HDFC Bank Business Credit CardMerchant & Digital Operations |  Flipkart Wholesale HDFC Bank Credit CardWholesale & Kirana Merchant |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Annual Fee | ₹12,500 + 18% GST | ₹1,000 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | ₹999 + 18% GST | ₹499 + 18% GST | ₹500 + 18% GST | ₹99 + 18% GST | ₹1,000 + 18% GST | ₹2,500 + 18% GST | ₹500 + 18% GST | ₹1,499 + 18% GST | ₹99 + 18% GST | ₹10,000 + 18% GST | ₹499 + 18% GST | ₹3,000 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | ₹1,000 + 18% GST | ₹500 + 18% GST | ₹10,000 + 18% GST | ₹1,000 + 18% GST | ₹250 + 18% GST | ₹2,500 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | ₹499 + 18% GST |
Joining Fee | ₹12,500 + 18% GST | ₹1,000 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | ₹999 + 18% GST | ₹499 + 18% GST | ₹500 + 18% GST | ₹99 + 18% GST (promotional free) | ₹1,000 + 18% GST (waived on ₹60k spend in 90 days) | ₹2,500 + 18% GST | ₹500 + 18% GST | ₹1,499 + 18% GST | ₹99 + 18% GST | ₹10,000 + 18% GST | ₹499 + 18% GST | ₹3,000 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST (waived on ₹20k spend in 90 days) | ₹1,000 + 18% GST | ₹500 + 18% GST | ₹10,000 + 18% GST | ₹1,000 + 18% GST | ₹250 + 18% GST (waived on ₹10k spend in 90 days) | ₹2,500 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | ₹500 + 18% GST | Nil (₹0 Joining Fee) |
Waiver Spend | Waived on annual spends of ₹10,00,000+ | Waived on annual spends of ₹1,00,000+ | Waived on annual spends of ₹50,000+ | Waived on annual spends of ₹50,000+ | Waived on annual spends of ₹2,00,000+ | Waived on annual spends of ₹1,00,000+ | Waived on annual spends of ₹1,00,000+ | Waived on annual spends of ₹25,000+ | Waived on annual spends of ₹1,00,000+ | Waived on annual spends of ₹4,00,000+ | Waived on annual spends of ₹2,00,000+ | Waived on annual spends of ₹3,00,000+ | Waived on annual spends of ₹25,000+ | Waived on annual spends of ₹8,00,000+ | Waived on annual spends of ₹1,00,000+ | No spend-based waiver (Fee offset by Free Night Award) | Waived on annual spends of ₹50,000+ | Waived on annual spends of ₹1,00,000+ | Waived on annual spends of ₹3,00,000+ | Waived on annual spends of ₹1,50,000+ | Waived on annual spends of ₹7,50,000+; Joining fee waived on ₹1.5L spend in 90 days | Joining fee waived on ₹75,000 spend within 90 days; renewal fee waived on annual spends of ₹2,00,000+ | Waived on annual spends of ₹50,000+ | Waived on annual spends of ₹4,00,000+ | Waived on annual spends of ₹50,000+ | Annual fee (from 2nd year) waived on annual spends of ₹1,50,000+ | Waived on annual spends of ₹50,000+ | Waived on annual spends of ₹1,00,000+ | Waived on annual spends of ₹3,00,000+ |
Reward Rate | 3.33% Base, up to 33.3% on SmartBuy (monthly caps apply) | 5% CashBack on Partner Giants | 10X CashPoints on Online Shopping | 5% Fuel Points at IndianOil Pumps | 10% on PhonePe + 5% on Top Brands | 2% on PhonePe + 1% on Scan & Pay | 10X CashPoints on Business Spends | 3% on Business Dining & Groceries + 2% Utilities | Up to 5% Cashback + 12 Airport Lounges | 5X on partner brands + Boarding Edge + Milestone Vouchers | 10% on Swiggy + 5% on Major Online Sites | 10% on Tata Neu + 1.5% on UPI & Others | 3% on Groceries & Dining + 2% Utilities | 3.33% Base to 33.3% on SmartBuy | 7% on Tata Neu + 1% on UPI & Others | 8X on Marriott + Free Annual Night | 10X CashPoints on Popular Services | 5% Choice Cashback + 1% Unlimited | 5X on Swiggy & Zomato + Dining Milestones | 5 Reward Points on IRCTC + 5% SmartBuy | 5X on Business Spends + Milestone Taj Stays | 10% on Swiggy + 5% on Online Giants | 5% on SmartBuy + 1% Flat Spends | 5X on Tax, Tools & Corporate Travel | 3% on Business EMI + 2% on Utilities | 5% on Swiggy + 5% on Online Platforms | 6 CashPoints on Ads, Cloud & Software | 3% on Paytm Ecosystem Spends | 5% Cashback on Flipkart Wholesale |
Airport Lounge | Unlimited complimentary domestic airport lounge visits for primary & add-on members (Int: Unlimited complimentary worldwide lounge visits via Priority Pass) | 1 complimentary domestic airport lounge visit per calendar quarter | No complimentary lounge access | No complimentary lounge access | 2 complimentary domestic airport lounge visits per quarter (8 per year) | No complimentary lounge access | No complimentary lounge access | No complimentary lounge access | 12 complimentary domestic airport lounge visits per year (max 3 per quarter) | 3 complimentary domestic lounge visits per calendar quarter (from the Jul–Sep 2026 quarter) (Int: Up to 6 complimentary international visits per year via Priority Pass (no spend condition; 4 card transactions needed to apply for Priority Pass)) | No complimentary lounge access | 8 complimentary domestic lounge visits per year (2 per quarter) (Int: 4 complimentary international lounge visits per year via Priority Pass (1 per quarter)) | No complimentary lounge access | Unlimited complimentary visits worldwide at 1,300+ lounges (Int: Unlimited complimentary visits for primary & add-on members) | 4 complimentary domestic airport lounge visits per year (1 per quarter) | 12 complimentary domestic airport lounge visits per calendar year (Int: 12 complimentary international airport lounge visits per calendar year) | No complimentary lounge access | No complimentary lounge access | 2 complimentary domestic lounge vouchers per calendar quarter (download from SmartBuy) (Int: 1 complimentary international lounge voucher per calendar quarter) | 8 complimentary visits per year to select IRCTC Executive Lounges at major railway stations (2 per quarter) | Unlimited complimentary domestic airport lounge visits (Int: Unlimited complimentary worldwide airport lounge visits via Priority Pass) | No complimentary lounge access | No complimentary lounge access | 2 complimentary domestic lounge visits per calendar quarter (8 per year; was 16) plus 1 MakeMyTrip Zero Cancellation voucher per quarter (Int: Priority Pass membership on request (complimentary-visit count not confirmed in HDFC's MITC – verify on product page)) | No complimentary lounge access | No complimentary lounge access | No complimentary lounge access | No complimentary lounge access | No complimentary lounge access |
Forex Markup | 2.00% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 2.00% + GST | 3.50% + GST | 2.00% + GST | 3.50% + GST | 2.00% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 2.00% + GST | 3.50% + GST | 3.50% + GST | 2.00% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST |
Best Suited For | High spenders, luxury travelers, and airline frequent flyers | Online shoppers, food delivery regulars, and cab commuters | Budget-conscious spenders looking for basic cashback on daily groceries & shopping | Daily car/two-wheeler commuters who regularly refuel at IndianOil petrol pumps | High-frequency digital transactors who want top-tier UPI rewards and travel perks | Everyday PhonePe power users making frequent QR code UPI payments | Freelancers, consultants, and growing startups paying regular software and vendor bills | Small traders, contractors, and business owners making frequent vendor and operational UPI QR payments | Business owners wanting airport lounge access, 5% cashback on travel, and pre-approved business loan access | Corporate professionals, retail shoppers, and frequent domestic & international flyers | Urban foodies, Instamart grocery buyers, and digital shopping enthusiasts | Shoppers who frequently purchase groceries from BigBasket, medicines from 1mg, or electronics at Croma | Anyone using UPI regularly who wants to earn credit card points on daily QR code scans | Frequent global travelers, golf enthusiasts, and fine dining connoisseurs | Casual shoppers using BigBasket and Tata brands with moderate annual spends | Hotel enthusiasts, leisure vacationers, and business travelers frequenting Marriott hotels | College graduates and first-time jobholders building their initial CIBIL score | Gen-Z and millennials wanting customized cashback tailored to their specific spending habits | Dining regulars, foodies, and travelers who appreciate movie and golf privileges | Frequent Indian Railways passengers and daily intercity train travelers | Corporate founders, business owners, and HNIs managing large operational expenses | Heavy Swiggy and Instamart spenders looking for maximum monthly cashback returns | First-time credit card applicants and people looking to rebuild or establish credit | Mid-sized businesses and executives who travel for client meetings and manage large monthly tax/vendor spends | Small shop owners and micro-business proprietors seeking working capital support | Budget-conscious food orderers wanting 1 full year of free Swiggy One delivery and 5% steady cashback | Freelancers, remote developers, and digital marketing agencies paying for cloud and ad spend | Retailers, traders, and small business owners actively using the Paytm ecosystem for utility and vendor payments | Kirana shopkeepers, traders, and retail merchants buying inventory through Flipkart Wholesale |
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India's #1 Credit Card Issuer: SmartBuy Rewards, Diners Club & Global Travel
HDFC Bank powers India's highest reward-yielding credit card ecosystem. Led by legendary flagships like Infinia, Diners Club Black, and Regalia Gold alongside mass-popular cards like Millennia and Tata Neu, HDFC credit cards deliver up to 33.3% return via the SmartBuy accelerator portal, 1:1 airmile conversions, unlimited airport lounges, and seamless RuPay UPI payments.
Up to 33.3% (SmartBuy 10X)
HDFC Reward Points / CashPoints / NeuCoinsUnlimited
Domestic & Global AccessScan & Pay Active
Up to 50 days float2.00% (Infinia / Regalia Gold) to 3.50%
International Travel₹1 Lakh to ₹10 Lakhs
Spend waiver milestoneMultiply your reward points by up to 10X when booking flights, hotels, or purchasing brand vouchers through HDFC's proprietary SmartBuy portal.
Frequent travelers and avid online shoppers seeking maximum point value.
Convert reward points into international frequent flyer miles and luxury hotel room stays at the best conversion ratios in the industry.
International jetsetters and luxury holiday planners.
Relax in comfort before every flight with unlimited lounge visits and enjoy complimentary rounds at top golf courses in India and abroad.
Business executives and frequent domestic/international flyers.
Earn up to 10% direct NeuCoins across Tata's premier brands like BigBasket, 1mg, Croma, Air India, Tata CLiQ, and Westside.
Households spending on groceries, medicines, electronics, and Tata fashion.
Link your HDFC RuPay credit card to Google Pay, PhonePe, Paytm, or BHIM to pay at millions of merchant QR codes with credit float.
Anyone looking to replace cash and debit card payments with UPI credit.
Clear, achievable annual spend thresholds that waive your annual maintenance fees completely, plus instant transaction-to-EMI conversions.
Disciplined spenders seeking lifetime-free economics on premium cards.
Base 1.3% to 3.3% regular earn; up to 10X (33.3%) on SmartBuy portal
Up to ₹1.00 per point for flight & hotel bookings
Complimentary airport terminal relaxation guidelines, quarterly spend requirements, and annual fee reversal milestones.
Unlimited complimentary domestic airport lounge visits across India on Infinia and Diners Club Black; 8-12 visits on Regalia Gold and Millennia.
Unlimited international airport lounge access via complimentary Priority Pass for primary cardholders and authorized add-ons with free guest visits on Infinia.
₹1,00,000 (Millennia), ₹4,00,000 (Regalia Gold), ₹10,00,000 (Infinia Metal)
Up to 33.3% SmartBuy rewards, unlimited global lounges + guests
1:1 airmiles, unlimited global lounges, complimentary golf
12 domestic lounges, ₹1,500 Marks & Spencer/Myntra vouchers
5% cashback on Amazon, Flipkart, Swiggy, Zomato & Myntra
Up to 10% NeuCoins on Tata ecosystem & 1.5% on UPI spends
Everything you need to know before applying for HDFC Bank credit cards in India.
Find out your credit limit, approval probability, and lifetime free eligibility with 100% paperless verification and zero score impact.
