CardCheck Score
Very Good
HDFC Millennia Credit Card
HDFC Bank
View details
Best for online shoppers
Fuel WaiverLounge AccessHigh Rewards
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate
1–5%
View details
Verified Issuer
HDFC Bank Credit Cards
Complete catalogue of all 24 HDFC Bank credit cards with MITC verified data
Total
24
Cards
Zero Fee
0
Lifetime Free
Issuer Avg→
Recommended-3 pts vs marketCardCheck Overview: HDFC Bank is India’s largest credit card issuer, renowned for its SmartBuy 10X reward multipliers, premium Infinia/Regalia lines, and co-branded partnerships with Swiggy, Tata Neu, and Marriott.
HDFC Bank 4-Pillar Issuer Benchmark
Standout Strength:Reward Power (31.3/35)Methodology →
Reward Power
35%31.3/35Top Pick
Fee Value & ROI
25%21.2/25
Lounge & Travel
20%9.7/20
Forex & Access
20%11.2/20
24 cards found
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Top Recommended HDFC Bank Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
Best Overall / Super Premium
Excellent
HDFC Infinia Metal
Unlimited Airport Lounge & 5X SmartBuy Rewards
₹12,500View Card
Best for Cashback
Very Good
HDFC Millennia
5% Cashback on Amazon, Flipkart, Swiggy & Zomato
₹1,000View Card
Best Entry-Level / Zero Fee
Good
HDFC MoneyBack+
10X CashPoints on Amazon & Flipkart spends
₹500 (Waived on ₹50k)View Card
| Feature | HDFC Infinia Metal | HDFC Millennia | HDFC MoneyBack+ |
|---|---|---|---|
| CardCheck Score | 85/100 | 73/100 | 64/100 |
| Rating Verdict | Excellent | Very Good | Good |
| Primary Benefit | Travel and lifestyle benefits | online shoppers | Beginners — online cashback on Amazon, Flipkart, Swiggy, Zomato |
| Annual Fee | ₹12,500 | ₹1,000 | ₹500 |
| Spend Fee Waiver | ₹10 Lakh Spend | ₹1 Lakh Spend | ₹50,000 Spend |
| Lounge Access | Unlimited Domestic | 4 Domestic / Year | — |
| Min Salary Target | — | — | — |
Popular comparisons for HDFC Bank Credit Cards
Side-by-side head-to-head match-ups based on real user spend patterns
HDFC Bank Specifications & Essential Data (2026)
Official helpline contacts, forex markup rates, reward point rules, and eligibility standards
Official Helpline
1800 202 6161 / 1800 266 4332
Forex Markup
2% – 3.50%
Points Expiry
2 to 3 Years (Never on Infinia/DCB)
Min CIBIL Target
750+ (780+ for Infinia)
HDFC Bank Key Takeaways & Portfolio Highlights
HDFC Bank offers 24 credit cards covering cashback, travel rewards, fuel, and super-premium segments.
Flagship Infinia Metal and Diners Club Black offer 1:1 points redemption on flights & hotels via SmartBuy.
HDFC Millennia & Swiggy HDFC offer 5% to 10% cashback on top e-commerce and food delivery apps.
Annual renewal fees are automatically waived when you hit annual spend thresholds (₹50,000 to ₹10 Lakhs).
How to Choose the Best HDFC Bank Credit Card in 2026
HDFC Bank is India’s largest credit card issuer, catering to millions of cardholders across entry-level, cashback, travel, and super-premium segments. Choosing the right HDFC card depends on your primary spend category and monthly income.
For high-earning individuals spending above ₹1 Lakh per month, HDFC Infinia Metal and Diners Club Black offer unmatched value with 1:1 reward redemption on flights and hotels via SmartBuy, alongside unlimited airport lounge access for primary and add-on cardholders.
For online shoppers, HDFC Millennia provides 5% cashback on top merchants like Amazon, Flipkart, Swiggy, and Zomato. If you frequently use UPI or co-branded platforms, cards like HDFC Swiggy and Tata Neu Infinity offer 5% to 10% value back. Most HDFC cards automatically waive annual renewal fees when you hit published annual spending thresholds.
Frequently asked questions about HDFC Bank credit cards
Verified answers regarding annual fees, lounge access, rewards, and eligibility
Which is the best HDFC credit card in 2026?
HDFC Infinia Metal and Diners Club Black are the top super-premium choices for high spenders seeking unlimited lounge access and high reward rates. For online shopping, HDFC Millennia and HDFC Swiggy offer up to 5–10% cashback.
Which HDFC credit card is best for airport lounge access?
HDFC Infinia Metal and Diners Club Black offer unlimited domestic and international lounge access. HDFC Regalia Gold offers 12 domestic and 6 international lounge visits per year.
Does HDFC Bank offer lifetime free credit cards?
Yes, HDFC Bank offers lifetime free cards like HDFC Freedom, and periodically offers first-year-free or lifetime-free promotions on cards like HDFC Millennia and HDFC MoneyBack+.
How do I waive the annual fee on HDFC credit cards?
Most HDFC credit cards automatically waive next year's annual fee if you hit minimum spend thresholds (e.g., ₹1 lakh for Millennia, ₹3 lakh for Regalia Gold, ₹10 lakh for Infinia Metal).
How do HDFC SmartBuy reward points work?
HDFC SmartBuy lets cardholders earn up to 5X–10X accelerated reward points or cashback on flight, hotel, and shopping redemptions across partner merchants like Amazon and Flipkart.