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
HDFC Bank 4-Pillar Issuer Benchmark
24 cards found
Top Recommended HDFC Bank Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
Infinia Metal
Unlimited Airport Lounge & 5X SmartBuy Rewards
HDFC Millennia
5% Cashback on Amazon, Flipkart, Swiggy & Zomato
HDFC Bank MoneyBack+
10X CashPoints on Amazon & Flipkart spends
| Feature | Infinia Metal | HDFC Millennia | HDFC Bank MoneyBack+ |
|---|---|---|---|
| CardCheck Score | 85/100 | 73/100 | 64/100 |
| Rating Verdict | Excellent | Very Good | Good |
| Primary Benefit | Travel and lifestyle benefits | online shoppers | Online Shopping |
| 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 | — | ₹35,000 / month | ₹25,000 / month |
2026 HDFC Bank Portfolio Verdict Matrix
At-a-glance verdicts to match your primary spend goal with the highest-earning HDFC Bank card
| Spend Goal | Recommended Card | Key Reward Rate | Annual Fee & Waiver | CardCheck Verdict |
|---|---|---|---|---|
| Super-Premium & Travel | Infinia Metal Credit Card | 1:1 SmartBuy Flights & Hotels | ₹12,500 + GSTWaived at ₹10 Lakh spend | India’s benchmark super-premium card with unlimited lounges for primary and add-on cardholders. |
| Online Shopping Cashback | HDFC Millennia Credit Card | 5% Cashback on Amazon, Flipkart, Swiggy | ₹1,000 + GSTWaived at ₹1 Lakh spend | Top choice for salaried millennials spending across top Indian e-commerce platforms. |
| Food Delivery & Dining | Swiggy HDFC Bank Credit Card | 10% Cashback on Swiggy App | ₹500 + GSTWaived at ₹2 Lakh spend | Dedicated food delivery card with 10% cashback on Swiggy, Instamart, and Dineout. |
| Starter Card & Rewards | HDFC Bank MoneyBack+ Credit Card | 10X CashPoints on Amazon & Flipkart | ₹500 + GSTWaived at ₹50,000 spend | Affordable starter card with easy annual fee waiver at ₹50,000 annual spend. |
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
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.