HDFC Bank issues more credit cards than almost any bank in India, from basic cards to metal cards for very high earners. The right one depends on where you spend and how much you earn. Here are the main ones, compared.
The best HDFC Bank credit card for each spend
| Spend | Card | Back | Where it applies | Monthly cap | Annual fee |
|---|---|---|---|---|---|
| Online shopping |  HDFC Diners Club Black Metal Edition | 3.33% | All spends in this category | No stated cap | ₹11,800 a year |
| Groceries |  IndianOil HDFC Bank Credit Card | 4.8% | All spends in this category | ₹96 a month | ₹590 a year |
| Dining and food delivery | HDFC Diners Club Black Metal Edition | 4.33% | All spends in this category | No stated cap | ₹11,800 a year |
| Travel | HDFC Diners Club Black Metal Edition | 3.33% | All spends in this category | No stated cap | ₹11,800 a year |
| Fuel | IndianOil HDFC Bank Credit Card | 4.8% | Indian Oil (IOCL) | ₹144 a month | ₹590 a year |
| Utility bills | IndianOil HDFC Bank Credit Card | 4.8% | All spends in this category | ₹96 a month | ₹590 a year |
| Spends abroad | HDFC Diners Club Black Metal Edition | 3.33% | All spends in this category | No stated cap | ₹11,800 a year |
Lowest-fee pick: HDFC Bank cards for ₹1,000 a year or less
| Spend | Card | Back | Annual fee |
|---|---|---|---|
| Online shopping |  HDFC PIXEL Go Credit Card | 1% | ₹295 a year |
| Groceries | IndianOil HDFC Bank Credit Card | 4.8% | ₹590 a year |
| Dining and food delivery | HDFC PIXEL Go Credit Card | 1% | ₹295 a year |
| Travel | HDFC PIXEL Go Credit Card | 1% | ₹295 a year |
| Fuel | IndianOil HDFC Bank Credit Card | 4.8% | ₹590 a year |
| Utility bills | IndianOil HDFC Bank Credit Card | 4.8% | ₹590 a year |
| Spends abroad | HDFC PIXEL Go Credit Card | 1% | ₹295 a year |
How we picked them: each card’s stated rate for that spend (its points valued as the bank states), with the bank’s monthly cap; for fuel, the rate at the card’s partner pumps. A tie goes to the lower fee. Fees include 18% GST. What a bank pays SkyloFin is never part of the order.
Every HDFC Bank credit card we list
| Card | Annual fee | Rewards | Fee waived if you spend |
|---|---|---|---|
 HDFC Bank UPI RuPay Credit Card | ₹117 a year | 0.25% base, up to 0.75% on groceries | ₹25,000 a year |
| HDFC PIXEL Go Credit Card | ₹295 a year | 1% on most spends; 5% only at partner merchants | ₹50,000 a year |
 Shoppers Stop HDFC Bank Credit Card | ₹353 a year | 1% on most spends; 3% only at partner merchants | – |
 PhonePe HDFC Bank Uno Credit Card | ₹589 a year | 1% on most spends; 2% only at partner merchants | ₹1,00,000 a year |
 Tata Neu Plus HDFC Bank Credit Card | ₹589 a year | 1% on most spends; 2% only at partner merchants | ₹1,00,000 a year |
 HDFC Bank Freedom Credit Card | ₹590 a year | 0.08% on most spends; 0.75% only at partner merchants | ₹50,000 a year |
 HDFC Bank Swiggy Credit Card | ₹590 a year | 1% on most spends; 10% only at partner merchants | ₹2,00,000 a year |
 HDFC BizFirst Credit Card | ₹590 a year | Rewards not published | ₹50,000 a year |
 HDFC BizGrow Credit Card | ₹590 a year | Rewards not published | ₹1,00,000 a year |
 HDFC Giga Business Credit Card | ₹590 a year | 0.25% on most spends | ₹50,000 a year |
 HDFC MoneyBack+ Credit Card | ₹590 a year | 0.2% on most spends; 2% only at partner merchants | ₹50,000 a year |
 HDFC PIXEL Play Credit Card | ₹590 a year | 1% on most spends; 5% only at partner merchants | ₹1,00,000 a year |
 IRCTC HDFC Bank Credit Card | ₹590 a year | 1% on most spends; 5% only at partner merchants | ₹1,50,000 a year |
| IndianOil HDFC Bank Credit Card | ₹590 a year | 0.64% base, up to 4.8% on groceries | ₹50,000 a year |
 Swiggy Ornge HDFC Bank Credit Card | ₹590 a year | 1% on most spends; 5% only at partner merchants | ₹1,50,000 a year |
 PhonePe HDFC Bank Ultimo Credit Card | ₹1,179 a year | 1% on most spends; 10% only at partner merchants | ₹2,00,000 a year |
 HDFC Bank Diners Club Privilege Credit Card | ₹1,180 a year | 1% on most spends; 10% only at partner merchants | ₹3,00,000 a year |
 HDFC Millennia Credit Card | ₹1,180 a year | 1% on most spends; 5% only at partner merchants | ₹1,00,000 a year |
 Swiggy BLCK HDFC Bank Credit Card | ₹1,180 a year | 1% on most spends; 10% only at partner merchants | ₹2,00,000 a year |
 HDFC BizPower Credit Card | ₹2,950 a year | Rewards not published | ₹4,00,000 a year |
 HDFC Regalia Gold Credit Card | ₹2,950 a year | 1.25% on most spends; 6.25% only at partner merchants | ₹4,00,000 a year |
 Marriott Bonvoy HDFC Bank Credit Card | ₹3,540 a year | 0.8% base, up to 1.6% on dining | – |
 Shoppers Stop Black HDFC Bank Credit Card | ₹5,310 a year | 2% on most spends; 7% only at partner merchants | – |
 HDFC BizBlack Credit Card | ₹11,800 a year | Rewards not published | ₹7,50,000 a year |
| HDFC Diners Club Black Metal Edition | ₹11,800 a year | 3.33% base, up to 4.33% on dining; 33.33% only at partner merchants | ₹8,00,000 a year |
 HDFC Bank Infinia Metal Credit Card | ₹14,750 a year | 3.3% on most spends; 16.5% only at partner merchants | ₹10,00,000 a year |
The main HDFC cards side by side
| Card | Fee (incl. GST) | Waived at | Rewards | Minimum income |
|---|---|---|---|---|
| Millennia | ₹1,180 | ₹1 lakh a year | 5% at 10 partner brands (Amazon, Flipkart, Myntra and more), 1% elsewhere, each capped at 1,000 points a month | ₹35,000 a month |
| Swiggy BLCK HDFC Bank | ₹1,180 | ₹2 lakh a year | 10% on the Swiggy app (Food, Instamart, Dineout) up to ₹1,500 a month; 5% at Amazon, Flipkart, Myntra and more | ₹30,000 a month |
| Tata Neu Plus HDFC Bank | ₹589 | ₹1 lakh a year | 2% at Tata brands, 1% elsewhere | ₹25,000 a month |
| PhonePe HDFC Bank Ultimo | ₹1,179 | ₹2 lakh a year | 10% on PhonePe recharges, bills and travel; 5% at Amazon, Flipkart, Swiggy, Zomato and more | ₹25,000 a month |
| Regalia Gold | ₹2,950 | ₹4 lakh a year | About 1.25%, 6.25% at Myntra, Nykaa and two more | ₹1.5 lakh a month |
| Diners Club Black Metal | ₹11,800 | ₹8 lakh a year | About 3.33%, much more on SmartBuy | ₹2.5 lakh a month |
| Infinia Metal | ₹14,750 | ₹10 lakh a year | About 3.3%, much more on SmartBuy | Not published |
Rates are on most spends, as published; partner-brand rates have monthly caps. Excluded categories such as rent, fuel, wallet loads and government payments earn nothing or less on most of these cards.
Which one is for you?
You shop online a lot at the big sites
Millennia. 5% at Amazon, Flipkart, Myntra and seven more brands. One warning from HDFC’s terms: if you pay those brands through PayZapp or SmartBuy, it counts as 1%, not 5%.
You order food often
Swiggy BLCK HDFC Bank pays 10% on the Swiggy app, including Instamart and Dineout, up to ₹1,500 a month. If you order mostly from Zomato or use many apps, a cashback card with 10% on all food delivery may pay more (see best cashback credit cards).
You shop at Tata brands (Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg)
Tata Neu Plus HDFC Bank. Low fee, waived at ₹1 lakh. It is on RuPay, so it can also be used for UPI payments.
You earn well and travel
Regalia Gold for Priority Pass and lounges at a mid-premium fee (read our Regalia Gold review). Diners Club Black Metal or Infinia if you spend ₹8 to ₹10 lakh a year and book travel through SmartBuy.
RuPay, Visa or Mastercard?
Only RuPay credit cards can be used for UPI payments. Of the cards above, Tata Neu Plus and PhonePe Ultimo are on RuPay; Millennia and Regalia Gold are on Visa; Swiggy BLCK is on Mastercard. If you pay by UPI often, that alone can decide it.
Before you apply
- Check the minimum income: HDFC may decline below it
- Pick the card whose waiver spend you will reach, so the fee is not charged
- Apply for one card at a time: several applications in a few weeks can lower your credit score
See every HDFC card with full fees on SkyloFin’s HDFC Bank page, or check what a card is worth for your spending with the credit card rewards calculator.
Frequently asked questions
Which HDFC credit card is best for beginners?
A low-fee card with a low waiver, such as Tata Neu Plus HDFC Bank (₹589, waived at ₹1 lakh a year) or Millennia if you shop online often and earn ₹35,000 a month or more.
Which HDFC credit cards work with UPI?
RuPay cards, such as Tata Neu Plus, PhonePe Ultimo and the HDFC Bank UPI RuPay card. Visa, Mastercard and Diners Club cards cannot be used for UPI payments.
Which HDFC card has the best lounge access?
Among these, Regalia Gold, Diners Club Black Metal and Infinia include lounge access. Regalia Gold’s domestic visits depend on spending ₹60,000 in the previous quarter.
This is general information to help you compare, not financial advice. SkyloFin is not a financial adviser. Fees, rates and caps change, so check the bank’s own terms before you apply. Card figures are from SkyloFin’s card pages as on 1 October 2026; card data sourced via CardAdvisor.in. SkyloFin may earn a commission when you apply through our links; it never changes what you pay.
Updated 18 Oct 2026.
