11 Best HDFC Bank Credit Cards in 2025: Compare Rewards & Benefits

An Ultimate Guide in 2025 to Find the Best HDFC Bank Credit Card According to Your Usage

Best HDFC Bank Credit Card: HDFC Bank has reached an impressive milestone by becoming India’s first bank to serve more than two crore credit card customers. This achievement shows the bank’s strong position in providing the best credit cards.

The bank’s credit card portfolio includes 35 different cards that cater to diverse customer needs. Customers can enjoy up to 5% cashback when they shop online, while some cards give unlimited access to airport lounges and premium travel perks. Reward points vary from 4 points to 5 points for every ₹150 spent, based on the card type.

This detailed guide examines the features, benefits, and costs of 11 popular HDFC Bank credit cards to help you make a smart choice. The premium Infinia card comes with a ₹12,500 joining fee, while the MoneyBack+ card offers 10X CashPoints on select platforms. These options let you pick a card that fits your spending habits and lifestyle perfectly.

HDFC Infinia Credit Card: The Ultimate Premium Experience

HDFC Bank’s credit card portfolio features the Infinia Credit Card as its most prestigious offering. This metal edition card comes by invitation only to high-net-worth customers. It stands at the top of India’s premium credit cards and gives its users an unmatched financial and lifestyle experience.

Infinia Credit Card Rewards and Point System

The reward structure gives great value with each purchase:

• Earn 5 reward points for every ₹150 spent on retail purchases including insurance, utilities, and education
• Get up to 10X reward points when you spend on travel and shopping through HDFC’s SmartBuy portal
• SmartBuy rewards have no specific cap, though monthly reward points max out at 2 lakh across categories
• Each reward point equals ₹1 when you book flights through SmartBuy

Card users get 12,500 reward points as welcome and renewal benefits once they pay the fee and activate their card. This benefit helps offset the yearly fee.

Exclusive Travel Benefits and Lounge Access

Infinia card’s travel perks are hard to beat:

• Primary and add-on cardholders get unlimited free airport lounge access in India
• Both primary and add-on cardholders enjoy unlimited free access to over 1,000 international airport lounges with Priority Pass membership
• Just 2% foreign currency markup fee on international transactions – the lowest available
• Full travel insurance with ₹3 crore accidental air death cover and up to ₹50 lakhs for emergency overseas hospital stays

The card also comes with a free first-year Club Marriott membership. Members save up to 20% on dining and stays throughout the Asia-Pacific region.

Annual Fee and Eligibility Requirements

Users pay ₹12,500 plus taxes as joining and yearly renewal fee. Spending ₹10 lakhs or more in 12 months gets this fee waived.

This invite-only card has strict eligibility rules:

• Private sector employees must earn ₹5 lakh monthly
• Self-employed applicants need a ₹60 lakh ITR (Income Tax Return)
• Government employees should earn ₹3.5 lakh monthly
• HDFC Bank looks for excellent credit scores and an established banking relationship

Is HDFC Infinia Worth the Premium Fee?

The card’s yearly fee might seem high, but its benefits pack real value:

• Welcome/renewal points worth 12,500 cover the yearly fee
• Frequent travelers benefit from unlimited lounge access for main and add-on cards
• Hotel perks include free nights at ITC hotels (book 2 nights, get 1 free) and 1+1 free buffet
• Play unlimited free golf at India’s top courses and select international venues

High spenders who can reach the ₹10 lakh yearly spend get amazing value as the fee gets waived. Notwithstanding that, people wanting similar perks at a lower cost might like the HDFC Diners Club Black Metal Edition, which costs ₹10,000 yearly and offers comparable features.

HDFC Diners Club Black Credit Card: For Luxury Lifestyle

HDFC Bank’s Diners Club Black Credit Card sits right below the Infinia card in their premium lineup. This card gives you luxury perks and top benefits without needing an invitation like the Infinia.

Diners Club Black Reward Structure

The rewards program packs excellent value on every purchase:

• You get 5 reward points for every ₹150 spent, which means a 3.33% reward rate
• Partner brands on SmartBuy portal give up to 10X reward points
• Weekend dining at standalone restaurants earns you 2X reward points
• Your monthly reward points max out at 75,000 per statement cycle

The card lets you redeem points for flight tickets and hotel bookings at a 1:1 ratio (1 reward point = ₹1). You can also transfer points to airline partners like InterMiles, Singapore Airlines (KrisFlyer Miles), and Club Vistara.

Premium Memberships and Subscriptions

The card has great complimentary memberships:

Spend ₹1.5 lakhs in your first 90 days or pay the annual fee to get yearly memberships to Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), and MMT BLACK.

Monthly spending of ₹80,000 lets you pick two perks from cult.fit Live one-month membership, BookMyShow, TataCLiQ, or Ola cabs vouchers worth ₹500 each.

Travel and Dining Privileges

The travel benefits match this card’s premium status:

Both primary and add-on cardholders get unlimited access to over 1,000 airport lounges worldwide with no visit limits. Foreign transactions come with a low 2% markup fee.

The card’s protection package has air accident insurance worth ₹2 crore, overseas hospitalization coverage of ₹50 lakhs, and travel insurance up to ₹55,000 for delayed baggage.

Food lovers get exclusive discounts up to 25% at premium restaurants. The Swiggy Dineout Good Food Trail program adds another 10% off at more than 35,000 restaurants.

How to Qualify for Diners Club Black

The premium status shows in its eligibility criteria:

Salaried professionals need to be 21-60 years old with a minimum net monthly income of ₹2.5 lakhs.

Self-employed applicants aged 21-65 years should have an annual income (ITR) above ₹30 lakhs.

The card costs ₹10,000 plus taxes (around ₹11,800) for joining and annual fee. Spend ₹5 lakhs yearly and this fee gets waived.

HDFC Regalia Gold Credit Card: Premium Travel Benefits

HDFC Bank’s Regalia Gold Credit Card sits between their premium offerings. It gives great travel perks at a price point that’s easier to manage than the Infinia or Diners Club Black cards. This card strikes a sweet spot between premium features and real value for people who travel often.

Regalia Gold Reward Points System

Here’s how the rewards work on your spending:

• Earn 4 Reward Points for every ₹150 spent on retail purchases, including insurance, utilities, and education
• Get 20 Reward Points (5X) for every ₹150 you spend at partner stores: Marks & Spencer, Myntra, Nykaa, and Reliance Digital
• Your reward rate can range from 1.3% to 13% based on where you spend
• Pick up 500 bonus reward points on your first international purchase after you sign up for international rewards

The card also gives you 1% cashback on international transactions (up to ₹1,000 per statement). You’ll get a ₹2,000 Yatra voucher once you spend ₹1,50,000 internationally in a year.

Complimentary Lounge Access Features

The lounge benefits make this card stand out:

• You get 12 free airport lounge visits each year in India, which work at both domestic and international terminals
• Both main and add-on cardholders can use Priority Pass 6 times a year at international lounges
• Just swipe your card to enter domestic lounges
• You can get your Priority Pass after making 4 retail purchases

Extra lounge visits or visits to lounges outside the program cost ₹2,278.27 plus GST per visit.

Annual Fee and Renewal Conditions

The fees are straightforward:

• Joining and yearly renewal fee is ₹2,500 plus taxes
• You receive gift vouchers worth ₹2,500 after paying the joining fee
• Spend ₹4 lakhs in your card year to skip the annual fee
• International rewards program costs ₹199 yearly

Best Uses for Regalia Gold Card

This card works best in these situations:

• Family travel: Great for families since add-on cards also get Priority Pass for international lounges
• Milestone rewards: You earn ₹1,500 in vouchers every quarter (spend ₹1.5 lakh), ₹5,000 flight vouchers at ₹5 lakh yearly spend, and another ₹5,000 voucher at ₹7.5 lakh yearly spend
• Premium memberships: Free Swiggy One and MMT Black Gold memberships when you spend ₹1 lakh within 90 days
• Insurance protection: Complete coverage with ₹1 crore air accident insurance, overseas hospital coverage up to ₹15 lakhs, and credit liability protection up to ₹9 lakhs

The Regalia Gold Credit Card gives you premium travel perks without the high fees of HDFC’s top cards.

HDFC Millennia Credit Card: Best for Online Shopping

The HDFC Millennia Credit Card rewards online shoppers with e-commerce benefits and digital features. Young tech-savvy consumers between 21-40 years can maximize their cashback on everyday online purchases.

Millennia Card Cashback Structure

This card rewards you based on where you spend:

• 5% Cashback on purchases from ten popular online merchants including Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
• 1% Cashback on all other retail purchases except fuel, wallet loads, EMI transactions and government-related payments
• Each CashPoint equals ₹1 when redeemed against your statement balance

The monthly cashback limit stands at ₹1,000 for the 5% category. This means you can optimize benefits on ₹20,000 monthly spending at partner merchants.

Special E-commerce Benefits

The card packs several e-commerce perks:

Swiggy Dineout gives you up to 20% savings at more than 20,000 restaurants. You also get gift vouchers worth ₹1,000 after spending ₹1 lakh in a calendar quarter.

Your fuel transactions between ₹400-₹5,000 come with a 1% surcharge waiver. This benefit caps at ₹250 per statement cycle.

Annual Fee and Eligibility

Here’s what you need to know about fees:

• Joining/renewal membership fee: ₹1,000 plus applicable taxes
• Spend ₹1 lakh yearly to waive your annual fee

The card suits young professionals who meet these criteria:

• Salaried professionals: Age 21-40 years with ₹35,000 minimum monthly income
• Self-employed individuals: Age 21-40 years with ₹6 lakhs minimum annual income (ITR)

Digital Features and Integration

Smart digital features enhance your card experience:

You get four free domestic airport lounge visits yearly (one per quarter). Just spend ₹5,000 or more in the previous quarter to unlock this benefit.

The card protects you with zero liability on fraudulent transactions reported within 90 days. Quick tap-and-go payments make retail transactions faster.

Your CashPoints stay valid for two years. You need 500 points minimum to redeem them. These points also work for travel bookings and reward catalog items at 1 CashPoint = ₹0.30.

HDFC MoneyBack+ Credit Card: Everyday Cashback Champion

The HDFC MoneyBack+ Credit Card is perfect if you want cashback benefits without paying high annual fees. You’ll get great rewards on common purchases, especially when you shop online or buy groceries.

MoneyBack+ Cashback Structure

The MoneyBack+ card uses a CashPoints system that gives you excellent value in many spending categories:

• Earn 10X CashPoints (20 CPs per ₹150) on partner brands including Amazon, Flipkart, Big Basket, Reliance Smart Superstore, and Swiggy
• Get 2 CashPoints per ₹150 spent on all other retail purchases
• Your monthly 10X CashPoints max out at 2,500 points
• You can redeem each CashPoint for ₹0.25 against your statement balance

The card gives you 500 CashPoints as a welcome bonus once you pay the joining fee, which helps offset your annual cost.

Grocery and Food Delivery Benefits

Food and grocery purchases really shine with this card:

You’ll get 10% extra discount on Swiggy Dineout restaurant payments with the coupon code “HDFCCARDS”. Plus, you can save up to 20% at more than 20,000 restaurants through the Swiggy Dineout program.

This card is great for families who order groceries online regularly since you earn bonus rewards at Big Basket and Reliance Smart Superstore.

Fee Structure and Waiver Conditions

The fees are simple and straightforward:

• Joining and annual renewal fee: ₹500 plus applicable taxes
• No annual fee if you spend ₹50,000 or more in a year
• You won’t pay 1% fuel surcharge on transactions between ₹400-₹5,000 (max waiver ₹250 per billing cycle)

The low annual fee makes this card available to most income levels, and you can easily avoid it by meeting the spending requirement.

Maximizing Your MoneyBack+ Rewards

Here’s how to get the most value from your card:

Use your card mainly at the five partner brands that give you 10X CashPoints. Try to spend ₹50,000 each calendar quarter to get gift vouchers worth ₹500, which could add up to ₹2,000 in vouchers yearly.

You need at least 500 CashPoints (worth ₹125) to redeem. Your points stay valid for two years from the transaction date, so you have plenty of time to save them up.

This card works best if you shop online and order food delivery often but don’t need the travel perks that come with HDFC’s premium cards.

Tata Neu Infinity HDFC Credit Card: Co-branded Excellence

The Tata Neu Infinity HDFC Credit Card stands out as a co-branded offering that brings together HDFC Bank’s banking expertise and Tata Group’s big ecosystem. This premium card rewards loyal Tata customers with great benefits and travel perks.

NeuCoin Rewards Explained

The card uses a NeuCoins system that gives tiered rewards based on spending categories. Cardholders get 5% back as NeuCoins on non-EMI retail purchases at Tata brands and 1.5% back on non-Tata brand purchases and all merchant EMI transactions. UPI transactions earn 1.5% back with a monthly cap of 500 NeuCoins. The structure changes from August 2024 to 0.5% on all UPI transactions plus an extra 1% when you use Tata Neu UPI ID.

NeuCoins have a one-to-one value with Indian rupees when redeemed and remain valid for 365 days after your last transaction. The rewards don’t apply to fuel purchases, wallet loads, and government payments.

Tata Ecosystem Integration Benefits

The card works smoothly with the Tata ecosystem. You can redeem NeuCoins at:

• Air India Express, BigBasket, and Croma
• Westside, Tata CLiQ, and Tata CLiQ Luxury
• IHCL hotel bookings, Tata 1MG, and Qmin
• Titan and Tanishq (via Tata Neu only)

Users who download the Tata Neu App and sign up for NeuPass get an extra 5% back on selected categories.

Premium Features and Privileges

The card includes 8 complimentary domestic lounge visits yearly (2 per quarter) and 4 international lounge visits through Priority Pass. You get reliable insurance protection with ₹1 crore accidental death coverage and emergency overseas hospitalization up to ₹15 lakhs.

The card waives 1% fuel surcharge on transactions between ₹400-₹5,000 with a maximum of ₹500 per statement. You don’t pay the annual fee of ₹1,499 if you spend ₹3 lakh before renewal.

Who Should Choose the Tata Neu Infinity Card?

The card makes sense if you shop regularly at Tata brands and want to maximize value across their network. Salaried professionals need a minimum monthly income of ₹1 lakh while self-employed individuals should have an annual ITR of ₹12 lakhs. The card offers great value to regular Tata customers who can meet the spending requirement for fee waiver, especially with its premium travel benefits and deep integration with the Tata ecosystem.

IndianOil HDFC Credit Card: Fuel Savings Specialist

The IndianOil HDFC Credit Card, co-branded with Indian Oil Corporation Limited (IOCL), helps vehicle owners save money when they fuel up at IndianOil outlets across India.

Fuel Points and Savings Structure

This card works with a “Fuel Points” system that saves you money on fuel expenses:

• You earn 5% of your spends as Fuel Points at IndianOil outlets. The points are capped at 250 monthly for the first 6 months and 150 points after that
• The card gives you 5% as Fuel Points on groceries and bill payments. Each category has a monthly limit of 100 points
• Every ₹150 spent on other purchases, including UPI transactions, earns you 1 Fuel Point

You can redeem points in two ways: each Fuel Point equals ₹0.20 as cashback on your statement or about ₹0.96 when you convert to 3 XtraRewards Points through IndianOil XTRAREWARDS Program.

Additional Benefits Beyond Fuel

The card comes packed with extra perks:

• Free IndianOil XTRAREWARDS Program membership
• Fuel surcharge waiver of 1% at all fuel stations nationwide on transactions above ₹400. The maximum cashback is ₹250 per statement cycle[281]
• Interest-free credit period extends up to 50 days from purchase date
• Your card is protected against loss or theft with zero liability
• Large purchases can be converted to EMIs after the transaction

Fee Structure and ROI Analysis

The card costs ₹500 plus taxes for joining and renewal. You don’t pay this fee if you spend over ₹50,000 annually. New users can skip the first-year fee by spending ₹20,000.

Comparing with Other Fuel Cards

The IndianOil HDFC Card beats alternatives like the BPCL SBI Card with:

• Better fuel rewards (5% vs 4.25%)
• Same rewards on grocery purchases
• Lower annual fee waiver threshold (₹50,000 compared to similar cards)

The card saves up to 50 liters of free fuel yearly through IndianOil’s network of 27,000+ outlets. This makes it ideal for commercial vehicle owners and people who travel often.

HDFC Diners Club Privilege Credit Card: Mid-tier Premium Option

The HDFC Diners Club Privilege Credit Card strikes a perfect balance between basic and premium cards. It gives professionals premium features at a reasonable annual fee.

Diners Club Privilege Rewards System

The card rewards you more based on how you spend:

• You get 4 reward points when you spend ₹150 on retail purchases
• Swiggy and Zomato orders earn you 20 reward points (5X)
• SmartBuy portal purchases can earn up to 10X reward points

Your reward points last two years and come with flexible redemption choices. Each point equals ₹0.50 for flights and hotels through SmartBuy, ₹0.50 for dining vouchers, ₹0.35 in the product catalog, and ₹0.20 as statement cashback.

Entertainment and Dining Benefits

The weekend entertainment perks make your leisure time better:

• BookMyShow gives you ‘Buy 1 Get 1 Free’ on movie and non-movie tickets from Friday to Sunday
• You can save up to ₹250 per ticket, with two free tickets each month

Food lovers can enjoy great discounts at partner restaurants:

• Swiggy Dineout gives up to 20% off at more than 20,000 restaurants
• Partner hotels and restaurants offer special dining deals with discounts up to 25%

Travel Perks and Insurance Coverage

Your travel benefits package gives you:

• 8 free airport lounge visits yearly worldwide (2 per quarter) for both primary and add-on cardholders
• You need to spend ₹15,000 in the previous quarter for lounge access
• A low 2% foreign currency markup fee

The insurance protection is extensive and has:

• ₹1 crore coverage for air accident death
• ₹25 lakhs for emergency overseas hospitalization
• Up to ₹50,000 for baggage delay
• ₹9 lakhs credit liability cover

Annual Fee and Value Assessment

The card’s annual fee dropped to ₹1,000 plus taxes from ₹2,500, starting November 13, 2024. Spend ₹3 lakhs in your card anniversary year and the fee gets waived.

The card’s value shines through its quarterly benefits. Spend ₹1.5 lakhs in a calendar quarter to get ₹1,500 worth vouchers from Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon. New cardholders who spend ₹75,000 in 90 days get free Swiggy One and Times Prime memberships.

6E Rewards XL HDFC Credit Card: For Frequent Flyers

The 6E Rewards XL HDFC Credit Card turns your daily expenses into free flights and exceptional air travel perks. IndiGo loyalists will find this credit card particularly appealing. HDFC Bank’s portfolio features this unique airline card that gives travelers specific privileges through an attractive reward structure.

IndiGo-specific Benefits and Rewards

Your spending habits determine the rewards you earn through a tiered system:

• 5 6E Rewards per ₹100 spent on IndiGo flight bookings through the official website or app
• 3 6E Rewards per ₹100 spent on grocery, dining, and entertainment (grocery rewards capped at 2,000 points monthly)
• 2 6E Rewards per ₹100 on all other purchases

The redemption value stays simple – each 6E Reward point equals one rupee. This creates a clear 5% return on IndiGo flight bookings. The points remain valid for two years from the posting month.

Complimentary Flight Tickets and Add-ons

The card comes with valuable welcome benefits after paying the ₹1,500 joining fee:

New cardholders can earn a complimentary flight ticket voucher worth ₹3,000 by completing three transactions monthly in the first three months. The package includes a free 6E Prime add-on valued at ₹1,099 with priority check-in, seat selection, meals, and quick baggage handling.

Airport Lounge Access Details

Cardholders enjoy 8 complimentary domestic airport lounge visits each year, split into 2 per quarter. These lounges exist in 17 locations throughout major Indian cities like Delhi, Mumbai, Bangalore, and Hyderabad. A small ₹2 validation charge applies at entry.

Maximizing Air Travel Benefits

Regular IndiGo flyers save through reduced convenience fees of ₹150 per passenger on flight bookings. The earned points move to your linked IndiGo account within 60 days after the calendar month ends.

The welcome benefits alone make the annual fee worthwhile. You receive ₹4,099 in value against the ₹1,500 fee. The 5% reward rate on IndiGo bookings and lounge access make this card one of HDFC Bank’s most valuable airline partnerships.

HDFC Bank RuPay IRCTC Credit Card: Train Travel Companion

The HDFC Bank RuPay IRCTC Credit Card makes train travel better by turning your daily spending into valuable benefits and lounge access. This first-ever RuPay railway card from HDFC Bank gives train travelers special perks.

IRCTC Booking Benefits and Discounts

Your train bookings become more rewarding with this card:

• 5 reward points for every ₹100 you spend on the IRCTC website and Rail Connect App
• 1% transaction charge waiver on IRCTC bookings up to ₹1,000 per statement cycle
• An extra 5% cashback on train ticket bookings through HDFC Bank SmartBuy portal

Redemption is straightforward – each reward point equals ₹1 when you book train tickets through HDFC Bank SmartBuy. You need at least 100 reward points to redeem and can use them for up to 70% of your ticket fare.

Railway Lounge Access Features

The card gives you 8 free visits to IRCTC Executive Lounges every year (2 each quarter). These lounges are in major stations like New Delhi, Jaipur, Agra, Ahmedabad, Varanasi, and Madurai.

Each lounge visit gives you:

• Two hours in air-conditioned comfort
• One buffet meal (breakfast, lunch, or dinner)
• Unlimited tea and coffee
• Free Wi-Fi and charging points
• Access to washrooms and changing rooms

Reward Points on Travel Bookings

Beyond IRCTC rewards, you earn 1 reward point for every ₹100 spent elsewhere. Your points stay valid for two years from when you earn them.

Annual Fee and Value for Train Travelers

The card costs ₹500 plus taxes to join or renew. You pay no fee if you spend ₹1,50,000 or more in the previous year.

The benefits get better. Spend ₹30,000 or more in a quarter and receive a ₹500 gift voucher. You also get a 1% fuel surcharge waiver on purchases between ₹400 and ₹5,000 at fuel stations across India.

New cardholders get 500 bonus reward points on their first international transaction. This makes the card perfect for people who mostly travel by Indian Railways but sometimes go abroad.

Swiggy HDFC Bank Credit Card: Food Lover’s Choice

The Swiggy HDFC Bank Credit Card rewards food lovers with great benefits on food delivery and online shopping. The card’s cashback system makes it easy to earn rewards.

Food Delivery Cashback Structure

You’ll get a solid 10% cashback on everything Swiggy – food orders, Instamart shopping, Dineout bookings, and Genie deliveries. The monthly cashback maxes out at ₹1,500 when you spend up to ₹15,000 on these services. Shopping online? The card gives you 5% cashback on all online purchases with a ₹1,500 monthly limit. Regular retail purchases earn you 1% cashback up to ₹500 each month.

Swiggy One Membership Benefits

The card comes with a free 3-month Swiggy One membership worth ₹1,199. This premium membership gives you free delivery on all Swiggy services, special restaurant discounts, and extra perks on Instamart, Dineout, and Genie orders. Current Swiggy One members can add these three months to their existing membership.

Additional Rewards Categories

The card’s perks go beyond food. Cardholders can access golf courses in India and take up to 12 free golf lessons every year. The cashback system got better in June 2024 – rewards now show up directly on your card statement next month instead of Swiggy Money in the app.

Fee Structure and Break-even Analysis

A reasonable ₹500 plus taxes is charged as joining and annual fee. Spend ₹2,00,000 before renewal and this fee disappears. The free Swiggy One membership worth ₹1,199 more than doubles your money right away. HDFC Bank estimates that regular users can save about ₹45,299 yearly by spending ₹95,000 across different categories.

Comparison Table

Credit Card Name	Annual Fee	Key Rewards Rate	Welcome Benefits	Lounge Access	Notable Features	Fee Waiver Threshold
HDFC Infinia	₹12,500	5 points/₹150 spent	12,500 reward points	Unlimited domestic & international	Club Marriott membership, 2% forex markup	₹10 lakhs/year
Diners Club Black	₹10,000	5 points/₹150 spent	Club Marriott, Times Prime, Amazon Prime memberships	Unlimited domestic & international	2X points on weekend dining	₹5 lakhs/year
Regalia Gold	₹2,500	4 points/₹150 spent	₹2,500 worth gift vouchers	12 domestic, 6 international visits/year	1% cashback on international transactions	₹4 lakhs/year
Millennia	₹1,000	5% cashback on select online merchants	Not mentioned	4 domestic visits/year	1% fuel surcharge waiver	₹1 lakh/year
MoneyBack+	₹500	10X CashPoints on partner brands	500 CashPoints	Not mentioned	10% additional Swiggy Dineout discount	₹50,000/year
Tata Neu Infinity	₹1,499	5% back as NeuCoins on Tata brands	Not mentioned	8 domestic, 4 international visits/year	NeuCoins integration with Tata ecosystem	₹3 lakhs/year
IndianOil HDFC	₹500	5% as Fuel Points at IndianOil	Not mentioned	Not mentioned	1% fuel surcharge waiver nationwide	₹50,000/year
Diners Club Privilege	₹1,000	4 points/₹150 spent	Swiggy One & Times Prime memberships	8 visits/year worldwide	Buy 1 Get 1 on weekend movie tickets	₹3 lakhs/year
6E Rewards XL	₹1,500	5 6E Rewards/₹100 on IndiGo	₹3,000 flight voucher	8 domestic visits/year	Free 6E Prime add-on package	Not mentioned
RuPay IRCTC	₹500	5 points/₹100 on IRCTC	500 bonus points on first international transaction	8 IRCTC lounge visits/year	1% transaction charge waiver	₹1.5 lakhs/year
Swiggy HDFC	₹500	10% cashback on Swiggy	3-month Swiggy One membership	Not mentioned	5% cashback on online spending	₹2 lakhs/year

Conclusion

HDFC Bank offers credit cards that match different spending priorities and lifestyle needs. Their premium cards like Infinia and Diners Club Black come with unlimited lounge access and high reward rates. The bank also provides specialized cards such as IndianOil HDFC and Swiggy HDFC cards that target specific customer needs.

The bank’s annual fees make sense for different customer segments. Entry-level cards start at ₹500, while premium cards cost up to ₹12,500. Users can avoid these fees by meeting reasonable spending targets. Each card brings unique benefits through reward points, cashback offers, or category-specific perks.

The right HDFC Bank credit card choice depends on your spending habits and lifestyle. Frequent travelers will appreciate cards with extensive lounge access and travel insurance. Online shopping enthusiasts can get more value from cards that offer better rewards on e-commerce purchases. Budget-conscious users might prefer cards with lower fees and practical benefits like fuel surcharge waivers.

Smart customers should look at their monthly spending patterns, favorite shopping categories, and desired perks before picking a card. The best choice strikes a balance between yearly fees and expected rewards that matches their financial goals and spending style.

Also Check Out:

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