HDFC Bank Credit Card

Explore the best HDFC credit cards & enjoy a rewarding experience that matches your lifestyle. Apply for an HDFC credit card online.

Top 16 HDFC Credit Cards

The table below shows a general comparative overview of HDFC Bank credit cards with all specific annual fees or joining fees:

Best HDFC Bank Credit Cards

As listed the credit cards from HDFC Bank and their annual fees with the Joining fees, you can find here the brief on rewards and perks on respective credit cards.

1. HDFC Diners Club Privilege Credit Card

This card is perfect for those seeking exclusive lifestyle privileges. With 2 complimentary lounge access/ quarter worldwide, concierge services, and accelerated reward points on dining and travel, it offers a well-rounded experience for premium cardholders.

• Exceptional Dine-on benefits & travel benefits with 10X rewards on flight-bookings
• Avail interest free credit period of up to 50 days on Diner Credit Card.
• You have liability coverage up to Rs. 9 lakhs
• Also avail the bonanza, “Buy 1 Get 1 Free” on for movie bookings on Book My Show

2. HDFC Regalia Gold Credit Card

Want to make savings an option? Good news awaits! The Regalia Gold card has surplus benefits such as lounge access in 1000 airports, a low foreign currency markup up to 2%, and bonus reward points on travel bookings.

• Earn up to 4 reward points on every Rs.150 expenditure.
• The Gold Credit Card offers Welcome benefits and complimentary Swiggy Benefits. T&C* apply
• 12 complimentary lounge access within India with your GOLD Credit card.

3. HDFC MoneyBack+ Credit Card

Designed for everyday use, the MoneyBack+ card offers cashback on online and offline purchases. Additionally, cardholders can earn points on every transaction, making it a simple yet rewarding option for regular shoppers.

4. HDFC Millennia Credit Card

Ideal for young professionals and frequent shoppers, the Millennia card provides cashback on online shopping and dining, as well as complimentary lounge access. It’s a go-to choice for those seeking lifestyle benefits with added convenience.

5. HDFC Infinia Credit Card (Metal Edition)

As HDFC’s most premium offering, the Infinia Metal Edition provides unlimited global lounge access, no forex markup, and luxury travel perks. Perfect for high-net-worth individuals, it offers unmatched exclusivity and benefits.

6. HDFC Diners Club Black Credit Card

A top-tier card with global appeal, Diners Club Black offers unlimited lounge access, reward points on premium categories, and luxury benefits like hotel and flight bookings. Ideal for frequent international travelers.

7. 6E Rewards XL – IndiGo HDFC Bank Credit Card

Perfect for frequent IndiGo flyers, this co-branded card offers accelerated 6E rewards on flight bookings, dining, and entertainment. With complimentary lounge access and discounts on IndiGo services, it’s a must-have for budget travellers.

8. InterMiles HDFC Bank Signature Credit Card

Focused on maximizing travel rewards, this card allows users to earn InterMiles on every spend. Ideal for frequent flyers, it also offers access to exclusive airport lounges and discounts on travel bookings.

9. IndianOil HDFC Credit Card

Brought in for commuters, this card offers significant savings on fuel purchases at IndianOil outlets. Cardholders can also earn points on other everyday expenses, making it a smart choice for fuel and utility payments.

10. HDFC Regalia Gold Credit Card

Known for its premium travel benefits, this card offers complimentary lounge access and accelerated reward points on travel, dining, and retail. It’s designed for individuals who want both luxury and value in their credit cards.

11. HDFC Pixel Play Credit Card

This is a digital-first, customizable rewards card where you can choose your preferred spending categories (like dining, travel, or entertainment) for higher cashback. Key features include up to 5% cashback on selected categories, seamless integration with PayZapp, and flexible rewards redemption options. It’s ideal for users who want control and personalization in rewards.

12. HDFC Pixel Go Credit Card

An entry-level card with simple cashback benefits on everyday spends, making it beginner-friendly. Key features include flat cashback structure, low annual fee, and fully digital management via app. It’s best suited for users looking for a low-cost, no-complexity credit card.

13. Tata Neu Plus HDFC Credit Card

Designed for Tata ecosystem users, this card offers NeuCoins rewards on Tata brand purchases (BigBasket, Croma, etc.). Key features include accelerated rewards on Tata Neu app spends, fuel surcharge waiver, and annual fee waiver on spending milestones. It’s a great mid-range card for frequent Tata shoppers.

14. Tata Neu Infinity HDFC Credit Card

A premium version with higher NeuCoins earning rates (up to 10%), making it highly rewarding for Tata purchases. Key features include complimentary airport lounge access, premium milestone rewards, and enhanced cashback on UPI spends via Tata Neu. Best for users deeply integrated into the Tata ecosystem.

15. Marriott Bonvoy HDFC Credit Card

Personalized for travelers, especially hotel loyalists, this card offers Marriott Bonvoy points on every spend. Key features include a complimentary free night stay annually, automatic Silver Elite status, and accelerated rewards on Marriott stays. Ideal for frequent travelers who prefer hotel-based loyalty programs.

16. IRCTC HDFC Bank Credit Card

Perfect for train travelers, this card provides cashback on IRCTC ticket bookings. Key features include reward points on railway and online spends, fuel surcharge waiver, and exclusive railway booking benefits. A practical card for users who frequently book via IRCTC and want travel savings.

HDFC Credit Card Eligibility

To apply for a credit card in India, you ‌need to meet the following criteria:

• Residential Status: Indian residents or Non-Resident Indians (NRIs) may also be eligible for certain cards.
• Age: At least 21 (minimum age may vary slightly between lenders).
• Income: A stable income, either as a salaried individual or self-employed. The required income level may vary depending on the card type.
• Credit History: Have a good credit history, as demonstrated by your past debt repayment behavior. A credit score of 750 or above is ‌considered good.
• Bank Account: Have a bank account to provide proof of income and for card transactions.

Documents Required to Apply For HDFC Credit Cards

These are general requirements, and specific documents may vary depending on the type of credit card you are applying for and your circumstances.

• Identity Proof: PAN Card, Aadhaar Card, Driving License, Passport, Voter ID Card
• Address Proof: Aadhaar Card, Driving License, Passport, Utility Bill, Bank Statement, Voter ID Card, Flat maintenance bill
• Income Proof: Salary slips, Form 16, Income Tax Returns, bank statements

Features & Benefits For HDFC Credit Cards

HDFC Bank offers a diverse range of credit cards, each with its own unique features and benefits.

1. Reward Points & Cashback: HDFC credit cards offer rewards or cashback on various categories such as retail purchases, dining, online shopping, fuel, and more. These points can be redeemed for discounts, vouchers, or purchases.
2. Fuel Surcharge Wave-off: Most HDFC credit cards provide a 1% fuel surcharge waiver across fuel stations in India, helping frequent commuters save on fuel expenses.
3. Interest-Free Period: HDFC credit cards come with a 50-day interest-free period, allowing users to manage their spending without incurring interest if the bill is paid on time.
4. Airport Lounge Access: Many HDFC credit cards offer complimentary access to domestic and international airport lounges, providing added comfort and convenience for frequent travellers.
5. Exclusive Offers: Avail discounts on dining, travel, and online shopping through special partnerships.
6. Annual & Joining Fees: Applicable annual and joining fees, exclusive of taxes, vary by card type.

Types of HDFC Bank Credit Cards

With multiple options in HDFC Bank Credit cards to multi-option benefit cards, you can choose the best one that suits your lifestyle. From regular cards with basic rewards and fuel waivers to premium and super premium cards offering higher limits, lounge access, concierge services, and partner-specific rewards.

Be it a business card or a regular basic benefit card, they have a wide range of card categories with respective benefits.

The table below highlights the respective categories, fees, & charges for HDFC Bank credit cards:

HDFC Bank Credit Card Loyalty Program

This is one way to connect with your bank and stay up to date on the services while you receive rewards. The HDFC Credit Card Loyalty Program is an initiative held for registered cardholders. When you shop, dine, or travel, you can earn Reward Points and cashback. These points can be used to get discounts, vouchers, or even money off of your credit card bill.

HDFC Bank has updated its credit card loyalty program with the following key changes:

• Cap on Reward Points for Utility, Telecom, and Cable Transactions:
  A cap of 2,000 Reward Points per calendar month will be applied to utility, telecom, and cable transactions.
• Education Payments via Third-Party Apps:
  Education payments made through third-party apps like CRED and MobiKwik will no longer earn Reward Points, but payments made directly to educational institutions will still qualify.
• No Reward Points on Wallet Loading and Easy EMI Transactions:
  Wallet loading and Easy EMI transactions will not accrue any Reward Points.

HDFC Credit Card Bill Payment

Now that you are aware of the multiple facets of the HDFC credit card here are ways you can pay your HDFC Bank credit card bills online or offline through various convenient options. Here’s how:

HDFC Bank Credit Card Bill Payment Online

1. HDFC Bank Account: Use Netbanking, Phonebanking, mobile app, mobile site, or ATM. You can also pay via cash or cheque.
2. Non-HDFC Bank Account: Pay your credit card bills using a non-HDFC Bank account as well.

Steps to Pay Via HDFC Mobile Banking App

Now get an HDFC Bank credit card dues on time in just 3 steps, download now,

• Step 1: Download the HDFC MobileBanking App, available across devices and operating systems.
• Step 2: Log in to the app and select the ‘Credit Card Bill Payment’ option.
• Step 3: Pay your bills anytime, anywhere, with high levels of transaction protection.

HDFC Credit Card Net banking is a way to manage your card, allowing you to view transactions, pay bills, request special services, and much more from the comfort of your home. Given below are steps to register in Net banking to register on a new card.

Step 1: Login to Net banking.

Step 2: Go to the “Credit Card” tab.

Step 3: Click “Register New Card” and follow the instructions.

After registration, you can get access to HDFC card net banking

• Payment: You can check cash/credit limits, billed/unbilled transactions, due dates, and reward points.
• Transact: Pay bills, register new cards, hotlist lost cards, register for autopay, change ATM PIN, and request email statements.
• Special Services: Access Cash on Call (instant cash loans), dial an EMI, and request credit limit increases or card upgrades.

You can also check more on HDFC Net Banking from the linked page.

Enable HDFC Credit Card Online Transactions through WhatsApp

Whatsapp is a go-to communication platform for millions of people in India. Prioritising the utmost convenience for the users’ HDFC has introduced credit card transaction control online via WhatsApp, allowing safety and ease:

To enable HDFC Credit Card online transactions via WhatsApp:

• Step 1: Add HDFC Bank’s official WhatsApp number (7065970659) to your contacts.
• Step 2: Send “Manage my Credit Card” to the number.
• Step 3: Select the option for online transactions (e.g., type 2).
• Step 4: Enter the OTP sent to your registered mobile number.
• Step 5: Provide the last 4 digits of your credit card number.
• Step 6: Enable online transactions.

Ways to Enable HDFC EVA

EVA is an intelligent chatbot powered by HDFC Bank. It’s designed to assist customers with various banking-related queries and tasks. You can use EVA to:

• Get information: Ask questions about HDFC Bank products and services, such as credit cards, savings accounts, loans, and more.
• Track transactions: View your recent transactions and account balances.
• Make payments: Pay bills or transfer funds using EVA.
• Get customer support: Resolve issues or get help with your account.

Besides, you can also easily manage your HDC credit card online with ‘HDFC My Cards’ portal – https://mycards.hdfcbank.com/

Steps to Apply for HDFC Credit Card Online

HDFC credit card users are just a few steps away from enjoying the exclusive benefits of HDFC credit card online: Follow these steps to get your best HDFC credit card:

• Choose Your Card: There is a wide range of credit cards offered by HDFC Bank credit card as mentioned above. Hence, consider your needs and preferences, such as travel, shopping, or cashback.
• Check Eligibility and Gather Documents: Determine if you meet the eligibility criteria based on your income, age, and residence. Ensure the necessary documents, including identity proof, address proof, and income proof, are handy.
• Apply for Your Card: Apply online, at an ATM, or visit your nearest branch. Submit the required documents along with your application.
• Await Approval: HDFC Bank will review your application and notify you of the decision.
• Activate Your Card: Once approved, your card will be delivered to your address. Sign the card upon receipt and provide identity proof. Receive your PIN (Personal Identification Number) via courier or SMS.
• Change the PIN at an ATM for security.

Note: Visit the HDFC Bank Credit Card section to compare options.

HDFC Credit Card Customer Care

Contact HDFC Credit Card Customer care at 1860 267 6161 or 1800 202 6161 for assistance with credit card assistance related to HDFC Bank.

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