HDFC Bank

HDFC Bank credit cards compared: 79 cards, 35 open to apply, with fees, earn rates, lounges and recent changes from HDFC's own documents.

The bank's website

Open to apply

Flipkart Wholesale HDFC Bank Credit Card (₹499 + GST a year)
HDFC Bank BizBlack Metal Edition Credit Card (₹10,000 + GST a year)
HDFC Bank BizFirst Business Credit Card (₹500 + GST a year)
HDFC Bank BizGrow Business Credit Card (₹500 + GST a year)
HDFC Bank BizPower Business Credit Card (₹2,500 + GST a year)
HDFC Bank Credit Card Against Fixed Deposit (Fees not entered yet)
HDFC Bank Diners Club Black Metal Edition Credit Card (₹10,000 + GST a year)
HDFC Bank Diners Club Privilege Credit Card (₹1,000 + GST a year)
HDFC Bank Freedom Credit Card (₹500 + GST a year)
HDFC Bank GIGA Business Credit Card (₹500 + GST a year)
HDFC Bank Infinia Metal Edition Credit Card (₹12,500 + GST a year)
HDFC Bank Micro Enterprise Business Credit Card (₹500 + GST a year)
HDFC Bank Millennia Credit Card (₹1,000 + GST a year)
HDFC Bank MoneyBack+ Credit Card (₹500 + GST a year)
HDFC Bank PIXEL Go Credit Card (₹250 + GST a year)
HDFC Bank PIXEL Play Credit Card (₹500 + GST a year)
HDFC Bank PIXEL Times Credit Card (Move Variant) (₹500 + GST a year)
HDFC Bank PIXEL Times Credit Card (Rush Variant) (₹1,000 + GST a year)
HDFC Bank Regalia Gold Credit Card (₹2,500 + GST a year)
HDFC Bank UPI RuPay Biz Credit Card (₹99 + GST a year)
HDFC Bank UPI RuPay Credit Card (₹99 + GST a year)
HDFC Bank UPI RuPay Mega Saver Credit Card (₹99 + GST a year)
IRCTC HDFC Bank Credit Card (₹500 + GST a year)
IndianOil HDFC Bank Credit Card (₹500 + GST a year)
Marriott Bonvoy HDFC Bank Credit Card (₹3,000 + GST a year)
Paytm HDFC Bank Business Credit Card (₹500 + GST a year)
Paytm HDFC Bank Select Business Credit Card (₹1,000 + GST a year)
PhonePe HDFC Bank Ultimo Credit Card (₹999 + GST a year)
PhonePe HDFC Bank Uno Credit Card (₹499 + GST a year)
Shoppers Stop Black HDFC Bank Credit Card (₹4,500 + GST a year)
Shoppers Stop HDFC Bank Credit Card (₹299 + GST a year)
Swiggy BLCK HDFC Bank Credit Card (₹1,000 + GST a year)
Swiggy Ornge HDFC Bank Credit Card (Lifetime free)
Tata Neu Infinity HDFC Bank Credit Card (₹1,499 + GST a year)
Tata Neu Plus HDFC Bank Credit Card (₹499 + GST a year)

Closed to new applicants or discontinued

HDFC Bank All Miles Credit Card (₹1,000 + GST a year)
HDFC Bank Best Price Save Max Credit Card (₹1,000 + GST a year)
HDFC Bank Best Price Save Smart Credit Card (₹500 + GST a year)
HDFC Bank Bharat Credit Card (₹500 + GST a year)
HDFC Bank Business Regalia Credit Card (₹2,500 + GST a year)
HDFC Bank CSC Small Business MoneyBack Credit Card (₹250 + GST a year)
HDFC Bank Diners Club Black Credit Card (₹10,000 + GST a year)
HDFC Bank Diners Club Premium Credit Card (₹2,500 + GST a year)
HDFC Bank Diners Club Rewardz Credit Card (₹1,000 + GST a year)
HDFC Bank Diners ClubMiles Credit Card (₹1,000 + GST a year)
HDFC Bank Doctor's Regalia Credit Card (₹2,500 + GST a year)
HDFC Bank Doctor's Superia Credit Card (₹1,000 + GST a year)
HDFC Bank EasyEMI Credit Card (₹500 + GST a year)
HDFC Bank Equitas Elegance Credit Card (₹1,000 + GST a year)
HDFC Bank Equitas Excite Credit Card (₹500 + GST a year)
HDFC Bank H.O.G Diners Club Credit Card (₹10,000 + GST a year)
HDFC Bank Harley-Davidson Diners Club Credit Card (₹2,500 + GST a year)
HDFC Bank Infinia Credit Card (non-metal) (₹10,000 + GST a year)
HDFC Bank MoneyBack Credit Card (₹500 + GST a year)
HDFC Bank Platinum Edge Credit Card (₹599 + GST a year)
HDFC Bank Platinum Plus Credit Card (Fees not entered yet)
HDFC Bank Regalia Activ Credit Card (₹2,500 + GST a year)
HDFC Bank Regalia Credit Card (₹2,500 + GST a year)
HDFC Bank Regalia First Credit Card (₹1,000 + GST a year)
HDFC Bank Solitaire Credit Card (₹500 + GST a year)
HDFC Bank Superia Credit Card (₹1,000 + GST a year)
HDFC Bank Teachers Platinum Credit Card (₹500 + GST a year)
HDFC Bank Times Platinum Credit Card (₹1,000 + GST a year)
HDFC Bank Titanium Edge Credit Card (Fees not entered yet)
HDFC Bank Titanium Times Credit Card (₹500 + GST a year)
HDFC Bank Visa Signature Credit Card (Fees not entered yet)
HDFC Bank World MasterCard Credit Card (Fees not entered yet)
IndiGo HDFC Bank 6E Rewards Credit Card (₹500 + GST a year)
IndiGo HDFC Bank 6E Rewards XL Credit Card (₹1,500 + GST a year)
InterMiles HDFC Bank Diners Club Credit Card (₹5,000 + GST a year)
InterMiles HDFC Bank Platinum Credit Card (₹1,000 + GST a year)
InterMiles HDFC Bank Signature Credit Card (₹2,500 + GST a year)
JetPrivilege HDFC Bank Titanium / Select Credit Card (₹500 + GST a year)
Paytm HDFC Bank Mobile Credit Card (₹149 + GST a year)
Paytm HDFC Bank Select Credit Card (₹1,000 + GST a year)
Pine Labs HDFC Bank Credit Card (₹499 + GST a year)
Pine Labs HDFC Bank Pro Credit Card (₹1,000 + GST a year)
Snapdeal HDFC Bank Credit Card (₹500 + GST a year)
Swiggy HDFC Bank Credit Card (₹500 + GST a year)

Prepaid forex cards

HDFC Bank Hajj Umrah ForexPlus Card (2% cross-currency markup)
HDFC Bank ISIC Student ForexPlus Chip Card (2% cross-currency markup)
HDFC Bank Multicurrency Platinum ForexPlus Chip Card (2% cross-currency markup)
HDFC Bank Regalia ForexPlus Card (0% cross-currency markup)

Changes to the bank's own terms

15 May 2026: Dynamic currency conversion markup (rupee transactions at an overseas location or with merchants registered abroad) raised to 1.75% on all cards, and the reissue fee for a lost, stolen or damaged card set at ₹199 (₹3,500 for metal cards). Neither the MITC nor the letter states the earlier markup; HDFC's reward terms give 1% from 1 January 2023.
1 Jul 2025: The 1% rent fee applies to rent paid on any merchant, not only third-party apps, capped at ₹4,999 a transaction. New 1% fees on the whole month's wallet loads (other than PayZapp) and the whole month's online skill-based gaming once either passes ₹10,000 in a calendar month, each capped at ₹4,999 a month.
1 Jul 2025: Online skill-based gaming transactions stopped earning Reward Points or CashPoints on all cards (MITC clause g).
1 Aug 2024: New 1% fees, each capped at ₹3,000 a transaction: rent paid through third-party apps such as CRED, Paytm, Cheq, MobiKwik and Freecharge; fuel transactions above ₹15,000; utility transactions above ₹50,000 (insurance excluded); education fees paid through third-party apps. A ₹50 fee on each cashback (statement credit) redemption.
1 Aug 2024: Late payment slabs revised (a new ₹501 to ₹1,000 slab at ₹500, ₹600 from ₹1,001 to ₹5,000, ₹750 from ₹5,001 to ₹10,000 and ₹900 from ₹10,001 to ₹25,000), and interest for most cards raised from 3.6% to 3.75% a month.
1 Jan 2024: The card validation amount charged and voided at the POS on Mastercard variants cut to ₹2.
1 Jan 2023: A 1% markup on Indian-currency transactions at an international location or with merchants registered abroad (dynamic and static currency conversion), and a 1% fee on rent paid through third-party merchants from the second rent transaction of a calendar month.

Sources

HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.18, updated 31 October 2026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
Millennia Credit Card terms and conditions, published 20 July 2026 (earlier rent, fuel, utility and education fee terms from 1 August 2024) (Reward terms, the bank's own, read 6 Nov 2026)
HDFC Bank letter, Updates on your credit card rewards, fees and charges, from 15 May 2026 (Bank notice, the bank's own, read 6 Nov 2026)
Infinia Reward Points Program terms and conditions (published 6 July 2026; clause 12 dates the 1% DCC markup and the rent fee from 1 January 2023) (Reward terms, the bank's own, read 6 Nov 2026)
HDFC Bank credit cards MITC (Key Fact Statement), version 2.2 dated March 2024, archived 3 April 2024 (Most important terms (MITC), the bank's own, read 22 Oct 2026)
SmartBuy accelerated earn rules (accelerated reward points and cashback by card, category and merchant; valid till 31 March 2027) (Reward terms, the bank's own, read 20 Oct 2026)
HDFC Bank credit cards listing (explore credit cards) (Product page, the bank's own, read 20 Oct 2026)