HDFC Bank credit cards
Every HDFC Bank card we list, with its fees and what it's good for. Compare them side by side, and talk to an advisor before you apply.
- Cards listed
- 10
- With lounge access
- 6
Popular HDFC Bank cards
HDFC Bank
IndianOil HDFC Bank
Best for: Fuel spends
- Joining fee
- ₹500
- Annual fee
- ₹500
Annual fee waived on ₹50,000+ spend
- 1% fuel surcharge waiver (Max ₹250/month).
- Free IndianOil XTRAREWARDSTM membership.
- Annual fee waived on ₹50,000+ spend.
HDFC Bank
Moneyback Plus
Best for: Shopping, online and in store
- Joining fee
- ₹500
- Annual fee
- ₹500
- Convert big purchases into easy EMIs.
- Contactless payments up to ₹5,000.
- Get 500 CashPoints on joining fee.
HDFC Bank
Swiggy HDFC Bank
Best for: Eating out and ordering in
- Joining fee
- ₹500
- Annual fee
- ₹500
Annual fee waived on ₹2L+ yearly spend
- Up to 5% cashback on everyday spends.
- Up to 10% cashback on spends at Swiggy.
- Annual fee waived on ₹2L+ yearly spend.
HDFC Bank
Tata Neu Plus
Best for: Shopping, online and in store
- Joining fee
- ₹500
- Annual fee
- ₹500
Annual fee waiver on spending ₹1 lakh in a year
- Save up to 7% on Tata Neu.
- Complimentary lounge access.
- Up to 2% value back as NeuCoins.
HDFC Bank
Millennia
Best for: Cashback on everyday spends
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- 1,000 bonus points on card activation.
- Up to 5% cashback on popular everyday brands.
- Up to 20% savings on partner restaurants.
HDFC Bank
Tata Neu Infinity
Best for: Shopping, online and in store
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
Annual Fee Waiver Annual fee waiver on spending ₹3 lakh in a year
- 1,499 NeuCoins on first Tata Neu transaction.
- Low 2% forex markup fee.
- 8 domestic + 4 international lounge visits/year.
HDFC Bank
Regalia Gold
Best for: Travel and airport lounges
- Joining fee
- ₹2,500
- Annual fee
- ₹2,500
- Up to 5X rewards on Nykaa, Myntra & more.
- Complimentary domestic & international lounge access.
- Gift voucher worth ₹2,500 on payment of joining fee.
HDFC Bank
Marriott Bonvoy
Best for: Travel and airport lounges
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Up to 8 Marriott Bonvoy Points on your spends.
- Up to 24 free lounge visits in a year.
- Up to 2 complimentary golf access per quarter across the globe.
HDFC Bank
Diners Black Metal
Best for: Travel and airport lounges
- Joining fee
- ₹10,000
- Annual fee
- ₹10,000
- Exclusive discounts at spas, gyms, hotels & wellness.
- 24×7 concierge for dining, golf & car rentals.
- Free premium memberships on ₹1.5L spend in 90 days.
Card fees and benefits last verified 20 Sep 2026. Banks change them without notice, and a card's own terms are the final word. We'll confirm the current terms with you before you apply.
HDFC Bank credit card fees and charges
Fees differ by card. These are the charges that apply across most cards, and the figures each card's own terms will confirm.
Joining and annual fee
Charged once when the card is issued and again each year. Many cards waive the annual fee once your yearly spends cross a threshold.
Interest on unpaid balances
Charged per month on anything you don't pay by the due date, and on cash withdrawals from the day you take them. It is quoted monthly — multiply by twelve to see the yearly cost.
Late payment fee
A slab-based fee that rises with the amount outstanding, plus GST. Paying even the minimum by the due date avoids it.
Foreign currency markup
A percentage added to spends in another currency, including on foreign websites. Travel cards charge the least.
Cash withdrawal fee
A percentage of the amount withdrawn, with a minimum. Interest also runs from day one, so treat a card as the last place to take cash from.
What HDFC Bank cards offer
The benefits that come up most often across the HDFC Bank cards we list. Each card's own page of terms is the final word.
- Annual fee waived on ₹50,000+ spend
- Annual fee waived on ₹2L+ yearly spend
- Annual fee waiver on spending ₹1 lakh in a year
- On spending ₹1 lakh in a quarter. Either avail 1 complimentary lounge access OR a voucher worth ₹1,000 from the list of associated brands
- Annual Fee Waiver Annual fee waiver on spending ₹3 lakh in a year
- Complimentary domestic & international lounge access
How to choose a credit card
Start from your own bank statement, not from the card with the longest benefits list.
- 01
Match the rewards to your biggest spend
Look at where your money actually went last month. A fuel card is worth little if you take the metro, and a travel card earns nothing if you fly once a year.
- 02
Weigh the fee against what you'll really earn
A ₹5,000 fee card that returns 5% on ₹20,000 of monthly spends is worth it. The same card on ₹5,000 of spends is not.
- 03
Check the fee-waiver threshold
Many cards waive the annual fee once you spend a set amount in a year. Check whether that number is one you'd hit anyway, without spending more to reach it.
- 04
Read the caps and exclusions
Reward rates usually have monthly caps, and categories like rent, fuel, wallet loads, insurance and government payments often earn nothing.
Applying through MultiBankers
Check Offers- Step 1
Tell us how you spend
Your income, your biggest spend categories and whether you want a fee-free card. Two minutes, one form.
- Step 2
We shortlist and check
An advisor matches you to cards you're likely to be approved for, and tells you which ones you aren't — before an application touches your credit report.
- Step 3
Apply once, with help
We help you with the documents and stay with you until the card is in your hand.
We are here to answer
all your questions
Start with the category your money goes to. Compare the cards on this page by joining fee, annual fee and what each one is best at, then check whether the annual fee is waived at a spend level you'd reach anyway. If you're unsure, tell us your monthly spends and an advisor will narrow it to two.
It depends on the card: entry-level cards ask for less than premium ones, and the bank also looks at your credit score, your existing loans and how much of your current limits you use. HDFC Bank sets and revises these limits itself, so we don't publish a figure we haven't confirmed. An advisor can tell you which cards your income fits before you apply.
Most banks decide within a few working days once the documents are complete, and the card is dispatched after that. An incomplete application is the usual reason for a delay, which is why we check the paperwork with you before it goes in.
Tell us which card you're interested in and an advisor will call you, confirm what you're likely to be approved for and take you through the application. We are not HDFC Bank, and the bank makes the final decision on every application.
No. We don't lend money. Loans are sanctioned and disbursed by our partner banks and NBFCs, which make the final decision.
Thinking about a HDFC Bank card?
An advisor will tell you which one fits, and which you're likely to be approved for, before you apply.