HDFC Bank has brought out an impressive lineup of credit cards to cater to a range of spending habits, whether you’re a frequent traveller, avid shopper, foodie, or fuel saver. From Millennia and MoneyBack to Infinia and Diners Club Black, each card comes loaded with category-specific rewards and exclusive benefits.
Selecting the best HDFC credit card depends on where you spend the most. If you stumble upon the right one, you can maximize savings and earn valuable rewards. To make your choice easier, we’ve listed the top HDFC credit cards 2025 by category, so you can compare features and apply with confidence.
Best HDFC Credit Cards in India 2025
- HDFC Diners Club Black Credit Card
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Annual fee to pay: Rs 10,000
If you’re looking for a premium credit card HDFC Bank, the Diners Club Black card is known for its top-tier rewards and luxury benefits. For those who travel frequently and want a single card that offers a variety of benefits, Diners Club Black is a strong contender. It provides 1:1 reward redemption, access to global and domestic airport lounges without the need for a Priority Pass, and a lower forex markup charge of only 2%. This makes it a practical and rewarding choice for global spenders.
Key characteristics:
- Enjoy international travel without the extra charge – thanks to a low 2% foreign exchange markup.
- Get 5 reward points on every Rs 150 spent.
- Unlock premium memberships like Times Prime, Club Marriott, Amazon Prime, MMT BLACK Elite, and a three-month Swiggy One–on spending Rs 1.5 lakh within 90 days or after the joining fee is paid.
- Travel in style with unlimited airport lounge visits globally for both primary and add-on cardholders.
Pros |
Cons
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High reward value on SmartBuy spends
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Only suits those with high monthly spending.
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Premium lifestyle and travel perks
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Limited acceptance compared to Visa/Mastercard
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Direct lounge access without a Priority Pass
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- HDFC Infinia Credit Card
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Annual fee to pay: Rs 12,500 + Applicable Taxes
The most exclusive credit card from HDFC, Infinia, is ideal for high-income individuals or those having a strong banking relationship with the bank. Offered by invitation only, this card offers premium privileges in travel, dining, lifestyle, and more. With a high reward rate and generous perks in various categories, it’s best for those who spend big and want maximum value in exchange. However, if you already hold another super-premium card, it’s a great pick, whether managing multiple high-fees aligns with your financial objectives.
Key characteristics:
- Save more on global spending with a competitive 2 percent foreign currency markup.
- Get 5 reward points for every Rs 150 spent.
- Enjoy a complimentary Club Marriott membership for exclusive dining and stay privileges.
- Unlimited access to national and international airport lounges.
Pros |
Cons
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Super-premium, invite-only card
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High joining/annual fee |
Unlimited global lounge access
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Invite-only, not easily available |
Premium travel and dining perks
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Annual fee to pay: Rs 2,500
HDFC Regalia is considered the Best HDFC Credit Card with well-rounded benefits. It is suitable for high spenders who want value from every transaction. Cardholders can earn accelerated reward points on selected premium brands and redeem through an exclusive Gold Catalogue featuring luxury options. Frequent flyers can also benefit from flight vouchers worth up to Rs 10k. With a moderate joining or yearly fee and a balanced mix of travel, lifestyle, and reward perks, this card will give you a premium experience without going overboard on fees.
Key characteristics:
- Complimentary memberships to Swiggy One and MMT Black Elite, also a welcome gift voucher worth Rs 2,500 after paying the joining fee.
- Get 4 reward points for every Rs 150 spent on regular purchases.
- Get a free Priority Pass after just four retail transactions on your card.
Access up to six international airport lounges/year and 12 domestic lounges
Pros |
Cons
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Strong reward rate on select brands (Nykaa, M&S, Reliance Digital)
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The reward rate is average on daily spends. |
Airport lounge access (12 domestic + 6 international visits/year)
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Limited premium lifestyle perks compared to higher-end cards. |
Flight vouchers worth up to ₹10,000 annually
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- HDFC Marriott Bonvoy Credit Card
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Annual fee to pay: Rs 3,000
The Marriott Bonvoy HDFC card is perfect for people staying frequently at Marriott properties. Offering higher reward rates on hotel spends and special redemption options within the Marriott ecosystem, it’s a great pick for loyal Marriott guests. For cardholders who already have other premium cards with wider perks, meeting the spend criteria here might feel redundant. Although for frequent Marriott travellers, this card can unlock the best value and elite-level benefits.
Key characteristics:
- Get 8 points per Rs 150 on stays at Marriott Bonvoy hotels.
- Receive 12 domestic and 12 international lounge visits every year.
- Get up to 3 Free Night Awards on reaching annual spend milestones of Rs 6 lakh, Rs 9 lakh, and Rs 15 lakh.
- Receive two complimentary golf sessions each quarter at select courses globally.
Pros |
Cons
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Useful for frequent international flyers
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May overlap with benefits from other premium cards
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Milestone rewards encourage high annual spend.
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Limited value outside the Marriott ecosystem |
Great value for loyal Marriott travellers
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- HDFC MoneyBack+ Credit Card
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Annual fee to pay: Rs 500
The HDFC MoneyBack+ Credit Card is a great choice for first-time card users to make the most of their daily expenses. It provides accelerated HDFC reward points on Amazon, Flipkart, BigBasket, Reliance, and Swiggy. Cardholders also get welcome and renewal bonuses, a Rs 500 gift voucher, and dining discounts at partner restaurants. Offering added support for UPI transactions and decent value, this card is a practical entry-level option for anyone looking to earn rewards without a high yearly fee.
Key characteristics:
- Get 20 CashPoints for every Rs 150 spent on popular brands like Amazon, Flipkart, Reliance Smart, Swiggy, and BigBasket.
- Earn two CashPoints per Rs 150 on all other eligible purchases, including UPI payments.
- Get a bonus of Rs 500 CashPoints on paying the joining or renewal fee.
- Spend Rs 50k in a quarter and get a Rs 500 gift voucher as a reward.
Pros |
Cons
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Quarterly spend-based gift vouchers
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Lower rewards on non-partner spends |
Dining discounts via SwiggyDineout
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Limited redemption options for CashPoints
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Supports UPI spends with reward earnings
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FAQs: Best HDFC Bank Credit Cards
- Which HDFC Credit Card is best for Shopping?
MoneyBack Plus provides additional rewards on Flipkart, Amazon, and BigBasket.
- What is the best HDFC card for travel benefits?
Infinia and Diners Club Black provide premium lounge access & high-end rewards.
- Which credit card offers rewards on flight booking?
6E Rewards XL is best for IndiGo flyers with high points on bookings.
- How to apply for an HDFC credit card?
Apply digitally through the HDFC Bank site or NetBanking with Basic KYC and income proof.
- How to log in to the HDFC food card portal?
Open the HDFC Food Card login page, type your card details, and follow the required steps to access your balance and transactions.
