HDFC Bank runs enough card SKUs that your brain wants a Ctrl+F shortcut. Five products keep showing up in real conversations — super-premium, digital cashback, travel-lifestyle, pure food-app, and Tata-stack — each with different fees, waiver maths, and "where did my cashback go?" fine print.
This guide lines up HDFC Bank Infinia Metal Credit Card, HDFC Bank Millennia Credit Card, HDFC Bank Regalia Gold Credit Card, Swiggy HDFC Bank Credit Card, and Tata Neu Infinity HDFC Bank Credit Card side by side. Figures follow the same issuer-facing summaries CardCheck displays on each card page, snapped to 2026-05-05 — always verify fees and benefits on HDFC Bank before you apply.
If you hate reading reward tables twice, Compare these five cards on CardCheck does the grunt work in one scroll. (Quiz is below if you'd rather answer five lifestyle questions than five pages of eligibility notes.)
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Why "best HDFC card" depends on bills, not brand loyalty
Reward credit cards optimize for specific payment paths: app checkouts vs dining portals vs Tata Neu QR vs airline hotel spends. The spreadsheet does not care that all five badges say HDFC on the plastic.
Catch: no single card maximizes cashback and Tata Neu stacking and unlimited lounges and the lowest yearly fee. If one card promised all four, the marketing brochure would need a second volume for the footnotes.
Use three quick filters before the table:
- Fee waiver: Will you realistically hit ₹1L, ₹2L, ₹3L, ₹4L or ₹10L annual spend?
- Liquidity: Do you want rupees-back on the bill, points you move through SmartBuy, NeuCoins locked inside Tata Neu, or Swiggy wallet credits?
- Lounges & trips: Domestic-only vs Priority Pass overseas vs "I never enter an airport"?
At a glance: fees, earn shape, lounges, forex
| Card | Joining / annual fee | Waiver (annual spend target) | Earn (type · published band) | Domestic lounge (summary) | International lounge (summary) | Forex markup |
|---|---|---|---|---|---|---|
| HDFC Bank Infinia Metal Credit Card | ₹12,500 / ₹12,500 | ₹10,00,000 | Points · ~3.3%–10% | Unlimited domestic (published for Infinia; via DreamFolks) | Unlimited international (Priority Pass; published) | 2% |
| HDFC Bank Millennia Credit Card | ₹1,000 / ₹1,000 | ₹1,00,000 | Cashback · ~1%–5% | 8 visits/year shorthand (2 per quarter in our dataset) | None in the summary we track | 3.5% |
| HDFC Bank Regalia Gold Credit Card | ₹2,500 / ₹2,500 | ₹4,00,000 | Points · ~1%–2% | 12 visits/calendar year (DreamFolks; per HDFC summaries we mirror) | 6 visits/year via Priority Pass (published) | 2% |
| Swiggy HDFC Bank Credit Card | ₹500 / ₹500 | ₹2,00,000 | Cashback · ~1%–10% | None in the summary we track | None in the summary we track | 3.5% |
| Tata Neu Infinity HDFC Bank Credit Card | ₹1,499 / ₹1,499 | ₹3,00,000 | NeuCoins (cashback-like) · ~1%–5% | 8 visits/year shorthand (2 per quarter in our dataset) | 4 visits/year via Priority Pass (published) | 3.5% |
Note: Lounge counts above are shorthand from HDFC-facing summaries CardCheck mirrors; calendars, guests, add-ons, and visit caps live in the bank terms — confirm before planning a vacation around a perk. Infinia is invite-only: the row is aspiration plus education, not “log in and apply tonight.”
APR on these products is routinely published near 42% p.a. in the HDFC summaries we track — pay in full monthly if you hate interest more than you love upgrading your seat.
The five cards, plain English
HDFC Bank Infinia Metal Credit Card
Fit: HDFC's halo metal product — strongest published base earn plus unlimited lounge lore, steep ₹12.5k fee band, ₹10 lakh waiver story, invite-only onboarding. Who passes: relationships and spends the bank treats as top-tier — if you are doing Millennia fee-waiver maths on a ₹1L target, Infinia is probably not auditioning you yet.
HDFC Bank Millennia Credit Card
Fit: ₹1,000 fee with ₹1 lakh waiver; 5% on a long roster of ecommerce and food-tech partners; 1% floor elsewhere; cashback lands quarterly as CashPoints; two domestic lounge visits per quarter. Scratch test: strong when Amazon, Flipkart, Swiggy, and Zomato are real budget lines — weaker if you hoped “everything online” was always 5%.
HDFC Bank Regalia Gold Credit Card
Fit: ₹2,500 fees with ₹4 lakh waiver; reward points plus SmartBuy accelerators; structured domestic (12/year) and international (6/year) lounges in HDFC summaries; 2% forex vs 3.5% on several mass cards. Scratch test: useful when you redeem points thoughtfully and actually use lounges instead of waving at them from Starbucks.
Catalog note: HDFC issues Regalia Gold on Visa or Mastercard; compare view lists both. Verify current welcome/milestone and lounge rules on the bank website before applying.
Swiggy HDFC Bank Credit Card
Fit: ₹500 fee, ₹2 lakh waiver target; headline 10% on qualifying Swiggy-app spends combined with a billing-cycle cap (₹1,500 in our dataset); cashback credits to Swiggy wallet — great if you spend there anyway, less neat if you wanted statement credit. Scratch test: if half your food budget is Zomato or dine-out rails, give Millennia a look too.
Tata Neu Infinity HDFC Bank Credit Card
Fit: ₹1,499 fee, ₹3 lakh waiver; 5% / 1.5% / 1% NeuCoin lanes; adds quarterly domestic lounges and four international Priority Pass visits per year in published copy — the “Tata power user who still boards flights” slot. Scratch test: BigBasket, 1mg, IHCL, CLiQ Luxury in your monthly ritual? NeuCoins feel natural. If you never open Tata Neu, skip the theater.
Quick picks — match the cliché to the card
- You live inside Swiggy and treat Instamart like a vending machine: start with Swiggy HDFC Bank Credit Card — wallet settlement is fine if you would spend there anyway.
- You want HDFC cashback without marrying one app: HDFC Bank Millennia Credit Card is the widest “partner 5%” net in this lineup.
- You redeem points toward travel buckets and fly enough to amortize ₹2.5k fees: HDFC Bank Regalia Gold Credit Card pairs lounge counts with 2% forex in HDFC summaries.
- Tata brands pay your rent metaphorically: Tata Neu Infinity HDFC Bank Credit Card combines Neu-stack earn with modest international lounge perks.
- You genuinely clear super-premium relationship bars: HDFC Bank Infinia Metal Credit Card is still the meme king for a reason — just remember invite-only before you fall in love with the metal Instagram flex.
Still two minds? Compare these five cards on CardCheck sorts fee, lounge count, and earn type without five browser tabs.
Use CardCheck's free Quiz to narrow the shortlist for your spend in about a minute.
Disclosure
CardCheck compares published bank programme data; we do not issue cards or set underwriting rules. If HDFC updates fees, caps, or lounge partners after this snapshot, the live MITC and card page win.
GST applies on fees stated "plus taxes." Approval, limits, and variant (Visa vs Mastercard vs RuPay where offered) sit with the bank.
FAQ
- Is Infinia "better" than Millennia?
Different job descriptions. Infinia targets maximum published earn plus unlimited lounge access for eligible relationships (~invite-only); Millennia is a mass-market partner cashback card with a ₹1,000 fee track. Benchmark them on eligibility and fee waiver reality first — not meme value.
- Swiggy HDFC vs Millennia for food delivery
Swiggy HDFC leans hard into eligible Swiggy-app spends with headline 10% and billing-cycle caps; rewards credit to the Swiggy wallet. Millennia pays 5% across its defined partner list (includes Swiggy and Zomato in HDFC summaries) with quarterly CashPoints usable per HDFC rules. Mixed Zomato + Swiggy habits often favour Millennia; pure Swiggy volume can favour Swiggy HDFC — model your actual order mix.
- Regalia Gold vs Tata Neu Infinity
Regalia Gold is the points + SmartBuy + structured lounge story with 2% forex in published data. Tata Neu Infinity keeps earn inside NeuCoins but layers domestic quarterly lounges and four international visits for travelers who still live in the Tata app stack. Pick based on redemption flexibility vs Neu ecosystem lock-in.
- Do annual fees include GST?
Issuers usually quote a base fee plus taxes — treat published ₹500 / ₹1,000 / ₹1,499 / ₹2,500 / ₹12,500 numbers as pre-GST unless the bank page states otherwise.