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Best HDFC Bank Credit Cards in India 2026

Every HDFC Bank credit card compared on fees, real reward rates and lounge access. We compared 16 cards — 1 of them lifetime free — on what you actually keep after fees, reward caps and exclusions. Our current top pick is Tata Neu Infinity HDFC Bank Credit Card.

Top 16 HDFC Bank Credit Cards Ranked

#CardAnnual FeeBase EarnStandout
1Tata Neu Infinity HDFC Bank Credit CardTata Neu Infinity HDFC Bank Credit CardHDFC Bank₹1,4991.5%₹1,499/yr fee
2Paytm HDFC Bank Select Credit CardPaytm HDFC Bank Select Credit CardHDFC Bank₹1,0001.3%₹1,000/yr fee
3HDFC Millennia Credit CardHDFC Millennia Credit CardHDFC Bank₹1,0001.0%₹1,000/yr fee
4Swiggy HDFC Bank Credit CardSwiggy HDFC Bank Credit CardHDFC Bank₹5001.0%₹500/yr fee
5HDFC Bank UPI RuPay Credit CardHDFC Bank UPI RuPay Credit CardHDFC Bank₹991.0%₹99/yr fee
6Tata Neu Plus HDFC Bank Credit CardTata Neu Plus HDFC Bank Credit CardHDFC Bank₹4991.0%₹499/yr fee
7HDFC PIXEL Play Credit CardHDFC PIXEL Play Credit CardHDFC BankFree (LTF)1.0%Lifetime free
8HDFC Diners Club Black Metal Edition Credit CardHDFC Diners Club Black Metal Edition Credit CardHDFC Bank₹10,0001.0%₹10,000/yr fee
9HDFC Infinia Metal Edition Credit CardHDFC Infinia Metal Edition Credit CardHDFC Bank₹12,5001.0%₹12,500/yr fee
10Marriott Bonvoy HDFC Bank Credit CardMarriott Bonvoy HDFC Bank Credit CardHDFC Bank₹3,0000.7%₹3,000/yr fee
11HDFC Diners Club Privilege Credit CardHDFC Diners Club Privilege Credit CardHDFC Bank₹1,0000.6%₹1,000/yr fee
12HDFC Regalia Gold Credit CardHDFC Regalia Gold Credit CardHDFC Bank₹2,5000.5%₹2,500/yr fee
13Shoppers Stop HDFC Bank Credit CardShoppers Stop HDFC Bank Credit CardHDFC Bank₹2990.3%₹299/yr fee
14HDFC MoneyBack+ Credit CardHDFC MoneyBack+ Credit CardHDFC Bank₹5000.3%₹500/yr fee
15HDFC Freedom Credit CardHDFC Freedom Credit CardHDFC Bank₹5000.3%₹500/yr fee
16IndianOil HDFC Bank Credit CardIndianOil HDFC Bank Credit CardHDFC Bank₹5000.2%₹500/yr fee

Base earn = ₹ value earned per ₹100 of everyday spend at the card's standard rate, before category accelerators. Every card page shows caps, exclusions and the net value math for your own monthly spend.

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Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.