HDFC Bank offers a wide range of credit cards designed for different users, including online shoppers, travelers, salaried professionals, business owners, fuel spenders, and premium lifestyle customers. Its portfolio includes cashback cards, reward cards, travel cards, co-branded cards, UPI-enabled RuPay cards, business credit cards, and invite-only super-premium metal cards. Whether you want cashback on online shopping, airport lounge access, fuel savings, travel rewards, or business expense management, HDFC Bank provides multiple credit card options suited to different spending habits and income profiles.
Explore the best HDFC credit cards & enjoy a rewarding experience that matches your lifestyle. Apply for an HDFC credit card online.
Overview of HDFC Bank Credit Cards
HDFC Bank credit cards are available across multiple categories, helping customers choose a card based on lifestyle, travel, business, shopping, and reward preferences.
| Category | Popular Cards | Best For |
|---|---|---|
| Cashback | Millennia, Pixel Go, Pixel Play | Online shopping and digital spending |
| Travel | Regalia Gold, Infinia Metal, Marriott Bonvoy | Frequent travelers |
| Premium | Diners Black Metal, Infinia Metal | Luxury lifestyle |
| Co-branded | Tata Neu, Marriott, IRCTC, Paytm | Brand loyalty |
| Fuel | IndianOil HDFC Bank Credit Card | Fuel savings |
| Business | BizBlack, BizFirst, GIGA | Business expenses |
| Lifestyle | Times, Shoppers Stop | Entertainment and shopping |
Types of HDFC Bank Credit Cards
HDFC Bank offers a wide variety of credit cards designed to cater to different consumer segments, from high-net-worth individuals seeking luxury travel to small business owners managing operational expenses.
Travel Credit Cards
| Card Name | Key Benefit | Joining Fee | Current Status |
|---|---|---|---|
| HDFC Infinia Metal Credit Card | Unlimited domestic and international lounge access and 10X SmartBuy rewards | ₹12,500 + taxes | Invite-only |
| HDFC Regalia Gold Credit Card | Milestone flight vouchers worth up to ₹10,000 annually and premium memberships | ₹2,500 + taxes | Available |
| Marriott Bonvoy HDFC Bank Credit Card | 8 Marriott Bonvoy Points per ₹150 at participating hotels and Free Night Award | ₹3,000 + taxes | Available |
| IRCTC HDFC Bank Credit Card | 5 Reward Points per ₹100 spent on IRCTC platforms and executive lounge access | ₹500 + taxes | Available |
| 6E Rewards XL IndiGo HDFC Bank Credit Card | 8 complimentary domestic lounge visits annually and 6E Prime Add-On benefits | ₹1,500 + taxes | Discontinued |
| 6E Rewards IndiGo HDFC Bank Credit Card | Accelerated 6E Rewards on IndiGo bookings are redeemable for flight tickets | N/A | Discontinued |
| InterMiles Signature HDFC Bank Credit Card | 6 to 12 InterMiles per ₹150 spent and Priority Pass membership | ₹2,500 + taxes | Discontinued |
Business Credit Cards
| Card Name | Key Benefit | Joining Fee | Current Status |
|---|---|---|---|
| HDFC BizBlack METAL Business Credit Card | 5X Reward Points on GST, Income Tax, and business productivity tools | ₹10,000 + taxes | Available |
| HDFC BizPower Business Credit Card | 5X rewards on ads, taxes, and business software | ₹2,500 + taxes | Available |
| HDFC BizGrow Business Credit Card | 10X CashPoints on GST, Income Tax, utility bills, and DMart purchases | ₹500 + taxes | Available |
| HDFC BizFirst Business Credit Card | Interest-free credit period of up to 55 days to manage cash flow | ₹500 + taxes | Available |
| HDFC Giga Business Credit Card | 6 CashPoints per ₹200 on digital advertising and cloud hosting services | ₹500 + taxes | Available |
| HDFC Bank Business Regalia Credit Card | Premium rewards, travel privileges, and 12 domestic lounge visits annually | ₹2,500 + taxes | Sourcing stopped |
| HDFC Bank Business MoneyBack Credit Card | 2X Reward Points on online spends and milestone rewards | ₹500 + taxes | Sourcing stopped |
| HDFC CSC Small Business MoneyBack Credit Card | 5% cashback on business essentials like electricity, internet, and taxes | ₹250 + taxes | Sourcing stopped |
Diners Club Credit Cards
| Card Name | Key Benefit | Joining Fee | Current Status |
|---|---|---|---|
| HDFC Diners Club Black Metal Credit Card | Unlimited global lounge access and 6 complimentary golf games per quarter | ₹10,000 + taxes | Available |
| HDFC Diners Club Privilege Credit Card | Buy 1 Get 1 movie tickets and 5X rewards on Swiggy and Zomato | ₹1,000 + taxes | Available |
| HDFC Diners Club Miles Credit Card | 1:1 Air Miles conversion and complimentary airport lounge visits | ₹1,000 + taxes | Discontinued |
| HDFC Diners Club Rewardz Credit Card | Unlimited domestic lounge access and rewards on everyday retail spending | ₹1,000 + taxes | Discontinued |
Shopping and Cashback Credit Cards
| Card Name | Key Benefit | Joining Fee | Current Status |
|---|---|---|---|
| HDFC Millennia Credit Card | 5% cashback on top brands like Amazon, Flipkart, Swiggy, and Uber | ₹1,000 + taxes | Available |
| HDFC Pixel Play Credit Card | Customisable card experience with 5% cashback on two selected brand packs | ₹500 + taxes | Available |
| HDFC PIXEL Go Credit Card | 1% cashback on UPI transactions and 5% cashback on SmartBuy | ₹250 + taxes | Available |
| Tata Neu Infinity HDFC Bank Credit Card | Up to 10% NeuCoins on Tata Neu App and 1.5% on UPI spends | ₹1,499 + taxes | Available |
| Tata Neu Plus HDFC Bank Credit Card | Up to 7% NeuCoins on Tata Neu App and 1% on UPI spends | ₹499 + taxes | Available |
| HDFC Bank Shoppers Stop Credit Card | 3% Reward Points at Shoppers Stop and welcome shopping vouchers | ₹299 + taxes | Available |
| Paytm HDFC Bank Credit Card | 3% cashback on selected Paytm purchases like movies and Mini App spends | ₹500 + taxes | Available |
Lifestyle, Fuel, and Entertainment Credit Cards
| Card Name | Key Benefit | Joining Fee | Current Status |
|---|---|---|---|
| IndianOil HDFC Bank Credit Card | 5% Fuel Points at IndianOil outlets and up to 50 litres of free fuel annually | ₹500 + taxes | Available |
| HDFC Bank Platinum Times Credit Card | 50% off on BookMyShow tickets and 10 RP on weekday dining | ₹1,000 + taxes | Sourcing stopped |
| HDFC Bank Titanium Times Credit Card | 25% off on BookMyShow and welcome vouchers worth ₹5,000 | ₹500 + taxes | Sourcing stopped |
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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.
Note: The type of card you apply for (regular, premium, super-premium, co-branded, business) may influence the eligibility criteria.
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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 credit cards offer benefits across rewards, cashback, travel, business, shopping, fuel, and digital payments.
Reward Points and Cashback
Users can earn Reward Points, CashPoints, NeuCoins, Fuel Points, or cashback depending on the card. Cards like Millennia focus on cashback, while Regalia Gold, Infinia, and Diners cards focus on reward points.
Airport Lounge Access
Premium cards such as Infinia Metal, Diners Club Black Metal, Regalia Gold, and BizBlack offer domestic and international lounge access.
Fuel Benefits
Fuel-focused cards like the IndianOil HDFC Bank Credit Card offer Fuel Points and surcharge waivers. Many other cards also provide a 1% fuel surcharge waiver.
Travel Benefits
Travel cards offer flight vouchers, hotel benefits, priority lounge access, railway lounge benefits, airline rewards, and travel insurance.
Dining Offers
Many HDFC cards provide dining discounts through Swiggy Dineout, Good Food Trail, EazyDiner, or partner restaurant programs.
SmartBuy Benefits
HDFC SmartBuy allows cardholders to earn accelerated rewards or cashback on flights, hotels, shopping, vouchers, and travel bookings.
Golf Privileges
Premium cards such as Infinia Metal, Diners Club Black Metal, and BizBlack offer complimentary golf games or lessons.
EMI Conversion
SmartEMI and EasyEMI allow users to convert eligible high-value spends into monthly installments.
UPI Payments
RuPay variants such as Tata Neu, Pixel Go, and other selected cards can be linked for UPI merchant payments.
Contactless Payments
Most HDFC credit cards support tap-and-pay transactions. In India, contactless transactions up to ₹5,000 generally do not require PIN entry.
Insurance Cover
Premium and business cards may offer air accident cover, overseas hospitalization cover, credit liability protection, and fraud protection.
Zero Liability Protection
Cardholders may get protection against unauthorized transactions if the lost or misused card is reported immediately to HDFC Bank.
MyCards Platform
MyCards lets users manage card PINs, controls, statements, reward points, limits, and card blocking digitally.
Comparison of Popular HDFC Bank Credit Cards
The table below compares some popular HDFC Bank credit cards.
| Card | Best For | Annual Fee | Reward Type |
|---|---|---|---|
| HDFC Millennia Credit Card | Cashback | ₹1,000 | CashPoints |
| HDFC Pixel Play Credit Card | Digital rewards | ₹500 | Cashback/custom rewards |
| HDFC Pixel Go Credit Card | UPI and digital spends | ₹250 | PIXEL CashPoints |
| HDFC Regalia Gold Credit Card | Premium travel | ₹2,500 | Reward Points |
| HDFC Diners Club Black Metal Credit Card | Luxury lifestyle | ₹10,000 | Reward Points |
| HDFC Infinia Metal Credit Card | Ultra-premium travel | ₹12,500 | Reward Points |
| Tata Neu HDFC Credit Cards | Tata ecosystem shopping | ₹499 / ₹1,499 | NeuCoins |
| Marriott Bonvoy HDFC Bank Credit Card | Marriott loyalists | Premium fee | Marriott benefits |
| IndianOil HDFC Bank Credit Card | Fuel savings | ₹500 | Fuel Points |
| HDFC BizBlack METAL Business Credit Card | Premium business spends | ₹10,000 | Reward Points |
| HDFC GIGA Business Credit Card | Freelancers and digital businesses | ₹500 | CashPoints |
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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.
Note: These changes apply to specific credit cards, and the Merchant Category Codes (MCC) are determined by the network, not the bank.
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
- HDFC Bank Account: Use Netbanking, Phonebanking, mobile app, mobile site, or ATM. You can also pay via cash or cheque.
- 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.
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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.
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HDFC Credit Card Customer Care
HDFC Bank provides dedicated, 24/7 customer support channels to ensure that credit cardholders can report lost cards immediately, resolve queries, or access banking services at any time.
| Service Category | Customer Care Details |
|---|---|
| General Helpline (Across India) | 1800 1600 / 1800 2600 |
| International Helpline (Customers Abroad) | +91 22 61606160 |
| Dedicated Premium Support (Infinia, Diners Black, Imperia) | +91 22 61717606 |
| Service Helpline (Queries & Assistance) | 1800 258 5616 |
| Toll-Free Complaint Number (India Only) | 1800 258 3838 |
| Sales Enquiry | 1800 570 3888 |
| Credit Card Support Timings | 24 hours every day, including Sundays and Bank Holidays |
| General Banking Agent Support | 8:00 AM to 8:00 PM on all days |
Important Security Note: You should only use these official numbers to avoid the risk of fraud. Please be aware that while reporting a lost card is an agent-assisted facility available 24/7, other general banking services may alternate between IVR and agent assistance depending on the time of day.
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