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Credit Cards in HDFC- Top 5 Credit Cards HDFC

Updated: Apr 12

Top 5 HDFC Credit Cards

Welcome to our comprehensive guide on the top 5 HDFC credit cards that can elevate your financial journey and enhance your lifestyle. With a plethora of options available in the market, choosing the right credit card can often be overwhelming. However, HDFC Bank stands out as a frontrunner in offering a diverse range of credit cards tailored to suit varying needs and preferences.

In this blog post, we'll delve into the key features, benefits, and rewards associated with the top 5 HDFC credit cards. Whether you're a frequent traveler seeking travel perks, a shopaholic looking for cashback and discounts, or someone who values premium privileges, there's an HDFC credit card that caters to your specific requirements.

Join us as we explore these credit cards in detail, empowering you to make an informed decision that aligns perfectly with your lifestyle and financial goals.


HDFC Swiggy Credit Card

  • Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum)

  • Welcome Benefit: Earn free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service.

  • Special Feature: 10% Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application on following Swiggy platforms -

  • Food ordering

  • Instamart

  • Dineout

  • Genie


The HDFC Swiggy Credit Card is a co-branded credit card offering from HDFC Bank in partnership with Swiggy, designed to reward frequent users of the Swiggy app. This card provides a range of cashback benefits, particularly on Swiggy app transactions, including food delivery, Instamart, Dineout, and Genie services. Cardholders can enjoy a 10% cashback on Swiggy app spends, 5% cashback on other online spends across various merchant category codes (MCCs), and 1% cashback on other categories, with certain exclusions and capping in place. Additionally, upon activation of the card, users are eligible for a complimentary Swiggy One Membership for three months, which offers unlimited benefits such as free delivery and exclusive discounts across restaurants and other services on Swiggy.


Tata Neu HDFC Infinity Credit Card

  • Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes 

  • Interest Rate: 3.49% per month i.e 41.88% annually

  • Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction

  • Rewards: 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands, 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends, and 1% back as NeuCoins on UPI spends. 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass.


With the TATA Neu Infinity HDFC Credit Card, treat yourself to a world of Tata benefits! Get 5 NeuCoins for every dollar spent at partner brands including Cleartrip, Swiggy, and Zomato, as well as Tata brands like BigBasket, AirAsia India, and Tata Cliq. Enjoy a welcome bonus of 499 NeuCoins in addition to 2% NeuCoins on all other purchases. Thus, if you're a devoted Tata fan or just like earning good incentives, think about using the TATA Neu Infinity HDFC Credit Card to open up a universe of advantages.


HDFC Bank Infinia Credit Card

  • Joining fee: Rs.12,500 

  • Interest Rate: 1.99% per month i.e. 23.88% annually.

  • Welcome Benefit: Complimentary Club Marriott membershiUp to 50 days of interest free period on your HDFC Bank Infinia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)  

  • Rewards: Complimentary nights & buffet at participating ITC hotels, Complimentary Club Marriott membership for the first year, and Unlimited airport lounge access across the globe for Primary and Add-on members. Along with this the cards also offer a Complimentary Club Marriott membership for the first year that offers up to 20% discounts for Dining and stay across Asia–Pacific region.


One of the most expensive and prestigious credit cards available in India is the HDFC Infinia credit card. Under the Dine-out Plus program, you can receive up to a 50% discount on dining bills at over 3000 partner restaurants in India when you use your HDFC Infinia Credit Card. More than 800 airport lounges across the globe are accessible for free, and you may also receive a free Zomato Pro membership, which offers up to 40% savings and quicker meal delivery. A high credit limit of up to Rs. 10 lakhs, a low foreign exchange markup fee of 2%, plus a plethora of other benefits make the HDFC Infinia Credit Card an indispensable tool for frequent diners and travelers.


IndianOil HDFC Credit Card

  • Joining Fees: INR 500

  • Interest Rate: 3.6% per month i.e. 43.2% annually.

  • Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India  ​​​​​​​(on minimum transaction of ₹400. Max Cashback of ₹250 per statement cycle).

  • Special Feature: Customers can earn up to 50 Litres of Free fuel annually.


The IndianOil HDFC Credit Card is a specialized financial tool designed for individuals who frequently incur fuel expenses. It offers a multitude of benefits, such as the opportunity to earn up to 50 litres of free fuel annually. Cardholders can accrue 'Fuel Points' at a rate of 5% on expenditures at IndianOil outlets, as well as on groceries and bill payments, with a cap of 250 Fuel Points per month for the first six months, and 150 Fuel Points thereafter. For other purchases, every ₹150 spent earns 1 Fuel Point. Additional advantages include a complimentary IndianOil XTRAREWARDS™ Program membership, revolving credit at nominal interest rates, and zero liability on lost cards upon immediate reporting. The card also provides up to 50 days of interest-free credit from the date of purchase, contingent on the merchant's submission of the charge, and a 1% fuel surcharge waiver at all fuel stations across India for transactions above ₹400, capped at ₹250 per statement cycle. A renewal fee waiver is available for those who spend ₹50,000 or more in the first year. The card is equipped for contactless payments, allowing for quick and secure transactions at retail outlets for amounts up to ₹5000 without the need for a PIN, although transactions equal to or above ₹5000 will require PIN entry for added security. The Fuel Points earned can be redeemed for fuel purchases at IndianOil outlets, with each point equating to 0.96 in savings, enhancing the card's value proposition for frequent fuel purchasers.


HDFC Regalia Gold Credit Card

  • Joining/ Renewal Membership Fees: INR 2500 + Applicable Taxes.

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum)

  • Welcome Benefit: Free Club Vistara Silver Tier membership and MMT Black membership if you spend INR 1 lakh or above within 90 days of purchasing this card.

  • Rewards: 4 reward points per INR 150 spent on retail purchases. Value of 1 reward point = INR 0.25. Cashback rate = 0.67%. 5X reward points on select merchants like Myntra, Nykaa, Reliance Digital, and M&S. Effective special cashback rate: 3.33%.


The HDFC Regalia Gold Credit Card is a premium offering that caters to the discerning needs of frequent travelers and shoppers. It boasts a host of benefits, including complimentary Club Vistara Silver Tier and MMT Black Elite memberships as welcome perks. Cardholders can maximize their savings with vouchers worth ₹1,500 on quarterly spends of Rs. 1.5 lakh and flight vouchers worth ₹5,000 on annual spends of Rs. 5 lakh, with an additional voucher on spends of Rs. 7.5 lakhs. The card also rewards spending with 5X Reward Points on select brands and 4 Reward Points for every Rs.150 spent on retail. Additional features include zero liability on lost cards, a low foreign currency markup, and revolving credit at nominal interest rates. For travel convenience, it offers complimentary lounge access at over 1000 airports worldwide and up to 6 complimentary lounge accesses per calendar year outside India through Priority Pass.



In conclusion, HDFC Bank stands at the forefront of the credit card industry, offering a diverse array of top-notch credit cards tailored to meet the varied needs and preferences of consumers. Through this comprehensive guide, we've explored the top 5 credit cards from HDFC Bank, each equipped with unique features, benefits, and rewards.

Whether you're a frequent traveler seeking exclusive travel perks, a savvy shopper looking to maximize cashback and discounts, or someone who values premium privileges, HDFC Bank has a credit card to suit your lifestyle and financial aspirations.

As you navigate the world of credit cards, it's essential to consider your spending habits, lifestyle preferences, and financial goals when selecting the right card for you. By leveraging the insights shared in this guide, you can make an informed decision and embark on a rewarding financial journey with HDFC Bank's top credit cards.

Remember, responsible credit card usage entails timely payments, prudent spending, and maximizing the benefits offered by your chosen card. With HDFC Bank's top credit cards by your side, you can unlock a world of possibilities and enjoy a seamless and rewarding banking experience.


HDFC Bank, established in 1994, is one of India's leading private sector banks, recognized for its extensive network and diverse financial services. With a commitment to excellence and customer satisfaction, HDFC Bank offers a wide array of products including retail banking, wholesale banking, treasury, auto loans, two-wheeler loans, personal loans, loans against property, consumer durable loans, lifestyle loans, and credit cards. As of 2024, the bank boasts a significant presence with over 8,000 branches and 20,000 ATMs across India. HDFC Bank is also known for its merger with HDFC Ltd, creating a formidable entity in the banking and housing finance sector. The bank's international footprint extends to branches in key global locations, catering to a wide customer base. HDFC Bank's ethos is deeply rooted in values of integrity, transparency, and professionalism, reflecting the vision of its founders and continuing to drive its growth and success.


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