🏦 HDFC Bank · India's #1 Card Issuer · Official Guide
Best HDFC Bank Credit Cards in India 2026 – Features, Benefits, Fees & Apply Online
HDFC Bank is India's largest private sector bank and the #1 credit card issuer with 2 crore+ active cards. Compare top HDFC credit cards, check eligibility, fees, rewards, and apply online in minutes — completely free at MyBankingTips.
HDFC Bank Credit Cards — India's Number One Card Issuer
HDFC Bank is India's leading credit card issuer, offering a comprehensive range of credit cards with benefits across travel, rewards, cashback, shopping, fuel, and lifestyle categories. From the ultra-premium Infinia Metal Card to the entry-level MoneyBack card, HDFC Bank has a credit card for every Indian. At MyBankingTips, you can compare all HDFC credit cards, check your eligibility instantly, and apply online without impacting your CIBIL score.
HDFC Bank is a Fortune 500 company and India's most valuable private sector bank. Its credit card portfolio spans across 8+ categories and is trusted by over 2 crore cardholders across India. HDFC credit cards are known for their robust SmartBuy rewards platform, generous lounge access, cashback programmes, and exclusive lifestyle privileges.
Whether you are looking for the best travel card with miles, a no-fee cashback card for online shopping, or a premium metal card with unlimited lounge access — HDFC Bank has you covered. Our expert team has reviewed each card to help you make the right choice.
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Key Highlight: HDFC Bank has held the #1 position in credit card spend and issuance in India for 10+ consecutive years. Its SmartBuy platform offers 10X reward points on flights, hotels, and online shopping — one of the highest accelerated earning rates in India.
Best HDFC Credit Cards in India 2026
Here are the best-rated HDFC credit cards across categories. Compare features, fees, and rewards to find your ideal card:
HDFC Card
Swiggy BLCK HDFC Bank Credit Card
0.5/ 5
Dining
Cashback
Online Shopping
Rewards
- 10% cashback on Swiggy food delivery, Instamart and Dineout spends
- 5% cashback on eligible online purchases across select brands and categories
Apply Now →
HDFC Card
Swiggy Ornge HDFC Bank Credit Card
0.5/ 5
Cashback
Online Shopping
Rewards
- Up to 5% cashback on Swiggy spends, including food delivery, Instamart and Dineout transactions
- Earn 5% cashback on select online categories like travel, shopping, entertainment, electronics and personal care
Apply Now →
HDFC Card
HDFC Infinia Credit Card
4.9/ 5
Travel
Reward
Premium
Rewards
- Enjoy unlimited airport lounge access for primary and add-on members.
- Earn 10X reward points on travel and shopping spends through SmartBuy.
Apply Now →
HDFC Card
HDFC Regalia Gold Credit Card
0.5/ 5
Shopping
Reward
Airport Lounge Access
Rewards
- Earn 5X reward points on Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
- Get 4 reward points for every ₹150 spent across all retail transactions.
Apply Now →
HDFC Card
HDFC Millennia Credit Card
4.8/ 5
Cashback
Online Shopping
Rewards
- Get 5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato, and more.
- Earn 1% cashback on spends across all other categories.
Apply Now →
HDFC Card
HDFC MoneyBack+ Credit Card
4.2/ 5
Reward
Entry-Level
Online Shopping
Rewards
- Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.
- Get gift vouchers worth ₹2,000 every year.
Apply Now →
HDFC Card
6E Rewards XL Indigo HDFC Credit Card
4.4/ 5
Travel
Rewards
- Get a free IndiGo flight ticket worth ₹3,000 along with an IndiGo 6E Prime add-on.
- Earn 5% value back as rewards on bookings made via the IndiGo website and mobile app.
Apply Now →
HDFC Card
Swiggy HDFC Bank Credit Card
3.5/ 5
Dining
Cashback
Online Shopping
Rewards
- Get 10% cashback on Swiggy food orders, Instamart, Dineout, and Genie.
- Earn 5% cashback on online spends.
Apply Now →
HDFC Card
Marriott Bonvoy HDFC Credit Card
3.0/ 5
Travel
Airport Lounge Access
Rewards
- Get Marriott Bonvoy Silver Elite status with 4X Marriott Bonvoy points on partner hotel spends.
- Enjoy 12 airport lounge visits each within India and internationally every year.
Apply Now →
Swiggy BLCK HDFC Bank Credit Card
Joining Fee: 1000
✈ Travel 🏆 Reward 👑 Premium
- 10% cashback on Swiggy food delivery, Instamart and Dineout spends
- 5% cashback on eligible online purchases across select brands and categories
- Complimentary Swiggy BLCK Membership for 3 months on card activation.
Swiggy Ornge HDFC Bank Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Up to 5% cashback on Swiggy spends, including food delivery, Instamart and Dineout transactions
- Earn 5% cashback on select online categories like travel, shopping, entertainment, electronics and personal care
- Complimentary Swiggy One membership for 12 months on card activation.
HDFC Infinia Credit Card
Joining Fee: 12500
✈ Travel 🏆 Reward 👑 Premium
- Enjoy unlimited airport lounge access for primary and add-on members.
- Earn 10X reward points on travel and shopping spends through SmartBuy.
- Get 12,500 Reward Points (worth ₹12,500) as a welcome bonus on fee payment, plus complimentary Club Marriott membership.
![HDFC Infinia Credit Card]()
Tata Neu Plus HDFC Credit Card
Joining Fee: 0
✈ Travel 🏆 Reward 👑 Premium
HDFC Regalia Gold Credit Card
Joining Fee: 2500
✈ Travel 🏆 Reward 👑 Premium
- Earn 5X reward points on Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
- Get 4 reward points for every ₹150 spent across all retail transactions.
- Get complimentary Swiggy One and MMT Black Elite memberships along with a ₹2,500 gift voucher on payment of the joining fee.
HDFC Millennia Credit Card
Joining Fee: 1000
✈ Travel 🏆 Reward 👑 Premium
- Get 5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato, and more.
- Earn 1% cashback on spends across all other categories.
- Get a welcome benefit of 1,000 CashPoints upon payment of the joining membership fee.
HDFC MoneyBack Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- 500 CashPoints on spending ₹5,000 within 90 days of card issuance
HDFC MoneyBack+ Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.
- Get gift vouchers worth ₹2,000 every year.
- 500 CashPoints on spending ₹5,000 within 90 days of card issuance
HDFC Diners Club Privilege Credit Card
Joining Fee: 2500
✈ Travel 🏆 Reward 👑 Premium
- Get free memberships like Amazon Prime, Swiggy One, and more on spending ₹75,000 within 90 days of card issuance.
InterMiles HDFC Signature Credit Card
Joining Fee: 2500
✈ Travel 🏆 Reward 👑 Premium
- Enjoy complimentary InterMiles Silver Membership and get 8,000 InterMiles as a welcome benefit.
6E Rewards XL Indigo HDFC Credit Card
Joining Fee: 1500
✈ Travel 🏆 Reward 👑 Premium
- Get a free IndiGo flight ticket worth ₹3,000 along with an IndiGo 6E Prime add-on.
- Earn 5% value back as rewards on bookings made via the IndiGo website and mobile app.
- Complimentary ₹3,000 flight voucher and 6E Prime add-on on 3 monthly transactions for 3 months.
IndianOil HDFC Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Enjoy up to 6% savings on IndianOil fuel spends.
- Earn 5% fuel points on grocery and bill payment transactions.
- Get ₹250 fuel gift voucher and 100% cashback (up to ₹250) on first fuel transaction.
HDFC Regalia Credit Card
Joining Fee: 2500
✈ Travel 🏆 Reward 👑 Premium
HDFC Platinum Times Credit Card
Joining Fee: 1000
✈ Travel 🏆 Reward 👑 Premium
- Get joining benefits of vouchers worth Rs. 5,000 for shopping, dining, and more.
HDFC Diners Club Black Metal Edition Credit Card
Joining Fee: 10000
✈ Travel 🏆 Reward 👑 Premium
- Enjoy unlimited airport lounge access for primary and add-on members.
- Earn a high base reward rate of 3.33%, with 5 reward points for every ₹150 spent.
- Complimentary Annual memberships* of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite Tier and three-month Swiggy One on spending Rs. 1.5 Lakh within the first 90 days or upon first-year fee realization.
HDFC Bank Diners ClubMiles Credit Card
Joining Fee: 1000
✈ Travel 🏆 Reward 👑 Premium
InterMiles HDFC Bank Platinum Credit Card
Joining Fee: 1000
✈ Travel 🏆 Reward 👑 Premium
- InterMiles Silver membership along with 3,000 InterMiles.
IRCTC HDFC Bank Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Gift voucher of Rs. 500 on activating the card within 30 days of card issuance.
HDFC Business Regalia Credit Card
Joining Fee: 2500
✈ Travel 🏆 Reward 👑 Premium
Swiggy HDFC Bank Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Get 10% cashback on Swiggy food orders, Instamart, Dineout, and Genie.
- Earn 5% cashback on online spends.
- Complimentary 3 months Swiggy One membership on card activation.
HDFC Bank Freedom Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- 500 CashPoints after the payment of joining and renewal fee.
Tata Neu Infinity HDFC Bank Credit Cards
Joining Fee: 1499
✈ Travel 🏆 Reward 👑 Premium
- Enjoy up to 10% value back on Tata Neu spends.
- Get 8 domestic and 4 international Priority Pass lounge visits every year.
- 1,499 NeuCoins on Tata Neu App on making the first transaction within 30 days of card issuance.
HDFC Bank Easy EMI Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- 00 Cash Points (applicable only on payment of membership fee). Rs.1,000 worth gift vouchers on spends of Rs.1,00,000 and above in each calendar quarter, for the first year only.
Snapdeal HDFC Bank Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Receive Snapdeal vouchers worth Rs.2,000 as a welcome gift.
HDFC Bank Doctor’s Superia Credit Card
Joining Fee: 1000
✈ Travel 🏆 Reward 👑 Premium
- Earn 1,000 reward points.
HDFC Bank Teacher’s Platinum Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
HDFC Bank Platinum Edge Credit Card
Joining Fee: 1000
✈ Travel 🏆 Reward 👑 Premium
HDFC Bank Titanium Times Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- E-gift vouchers worth Rs. 5,000.
HDFC Solitaire Credit Cards
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
Marriott Bonvoy HDFC Credit Card
Joining Fee: 3000
✈ Travel 🏆 Reward 👑 Premium
- Get Marriott Bonvoy Silver Elite status with 4X Marriott Bonvoy points on partner hotel spends.
- Enjoy 12 airport lounge visits each within India and internationally every year.
- 1 Free Night Award (up to a value of 15,000 Marriott Bonvoy Points) on making the first eligible transaction1 or on levy of joining fee.
HDFC Credit Cards Quick Comparison Table
| Card Name |
Annual Fee |
Best For |
Reward Rate |
Lounge |
Fee Waiver |
Apply |
| HDFC Infinia Metal |
₹12,500 |
Premium |
5 pts/₹150 |
Unlimited |
₹10L spend |
Apply →
|
| HDFC Regalia Gold |
₹2,500 |
Travel |
4 pts/₹150 |
12/year |
₹3L spend |
Apply →
|
| HDFC Millennia |
₹1,000 |
Cashback |
5% online |
8/year |
₹1L spend |
Apply →
|
| HDFC MoneyBack+ |
₹500 |
Entry Level |
4x online |
None |
₹50K spend |
Apply →
|
| HDFC Diners Black Metal |
₹10,000 |
Ultra-Premium |
5 pts/₹150 |
Unlimited |
₹5L spend |
Apply →
|
| HDFC TATA Neu Plus |
₹499 |
Shopping |
2% NeuCoins |
None |
₹1L spend |
Apply →
|
| HDFC Swiggy Card |
₹500 |
Food Delivery |
10% on Swiggy |
None |
₹1L annual spend |
Apply →
|
| HDFC Biz Power |
₹1,999 |
Business |
2 pts/₹150 |
4/year |
₹3L annual spend |
Apply →
|
How to Apply for an HDFC Credit Card Online at MyBankingTips
Applying for an HDFC Bank credit card online through MyBankingTips is the simplest and fastest route. Here's the complete step-by-step process:
1
Compare HDFC Cards on MyBankingTips
Browse all HDFC credit cards, compare features, annual fees, and reward rates side by side. Filter by your spending category to narrow down the best match for your needs.
2
Check Eligibility Instantly (No CIBIL Impact)
Enter your income, employment type, and city for an instant soft eligibility check. This does NOT affect your CIBIL score and tells you which HDFC cards you qualify for.
3
Click "Apply Now" and Fill the Application
You'll be redirected to the official HDFC Bank or partner portal. Fill in personal details (name, DOB, PAN), contact information, and employment/income details.
4
Submit KYC & Income Documents
Upload your PAN card, Aadhaar card, last 3 months' salary slips, and 6-month bank statement. HDFC now supports fully paperless Aadhaar eKYC for faster processing.
5
Credit Check & Approval
HDFC Bank runs a CIBIL credit check and evaluates your application. Most eligible applicants get in-principle approval within minutes online.
6
Card Dispatch & Delivery
Your HDFC credit card is dispatched within 3–5 working days of final approval. An instant virtual card on the MyCard HDFC app may be issued immediately for online use.
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Existing HDFC Account Holders:
Log in to your HDFC Net Banking or HDFC Mobile Banking app and check for pre-approved credit card offers. These often come with instant approval and no documentation needed.
HDFC Bank Credit Card Fees & Charges
A complete breakdown of all HDFC credit card charges to help you avoid unexpected costs:
| Fee/Charge Type |
HDFC Card Amount |
Notes |
| Joining / Annual Fee |
₹500 – ₹12,500 + GST |
Varies by card; waived on minimum annual spend |
| Finance Charges (Interest) |
3.6% per month (43.2% p.a.) |
Applies on revolving balance; highest in India |
| Late Payment Fee |
₹100 – ₹1,300 |
Slab-based on total outstanding amount
|
| Cash Advance Fee |
2.5% or ₹500 (whichever higher) |
No interest-free period; interest from day 1 |
| Foreign Transaction Fee |
2% + GST (Infinia); 3.5% others |
Infinia & Diners Black have low forex markup |
| Over-Limit Charge |
2.5% of over-limit amount |
Minimum ₹500 per instance |
| Fuel Surcharge |
1% of fuel transaction |
Waiver up to ₹250/month on select cards |
| Reward Redemption Fee |
₹99 + GST per redemption |
For statement credit/cashback redemptions
|
| Cheque Bounce Fee |
₹500 per instance |
For returned payment instruments |
| Card Replacement Fee |
₹100 – ₹500 |
For lost, stolen, or damaged card replacement |
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Important: All HDFC credit card fees are subject to 18% GST. The HDFC Infinia and Diners Black cards have a significantly lower forex markup of 2% vs 3.5% on standard cards — making them ideal for frequent international travellers.
Eligibility Criteria to Apply for HDFC Bank Credit Cards
Ensure you meet these standard HDFC credit card eligibility criteria before applying for a smooth, rejection-free experience:
Age: 21 – 60 Years
Primary cardholder must be 21–60 years. For self-employed, up to 65 years. Add-on cardholders can be 15 years or above.
Income: ₹25,000+/month
Salaried: min ₹25,000/month for entry cards. Premium cards (Regalia/Infinia) need ₹1–2L+/month. Self-employed: ₹6L+ ITR.
CIBIL Score: 720+
HDFC requires a higher CIBIL score of 720+ compared to other banks. Premium cards need 750+. First-time users may be considered case by case.
Residency: Indian Citizen / NRI
Indian residents as well as NRIs (on select variants) are eligible. Minimum 1 year residence at the current address is preferred.
Employment: Salaried / Self-employed
Both salaried and self-employed professionals and business owners qualify. Employment stability of 1+ year is preferred.
HDFC Account Preferred
Salary account or savings account with HDFC significantly improves approval chances and often unlocks pre-approved offers.
Documents Required for HDFC Bank Credit Card Application
Keep these documents ready before starting your HDFC credit card application. Most documents can be submitted digitally:
| Document Category |
Acceptable Documents |
| Identity Proof (KYC) |
PAN Card (mandatory), Aadhaar Card, Passport, Voter ID,
Driving Licence
|
| Address Proof |
Aadhaar Card, Passport, Voter ID, Utility Bill (last 3
months), Rental Agreement
|
| Income Proof – Salaried |
Last 3 months' salary slips, Latest Form 16, Last 6 months'
bank statement
|
| Income Proof – Self-employed |
Latest ITR with income computation, Last 6 months' bank
statement, CA-certified P&L statement
|
| Photograph |
Recent passport-size photograph (often digital via Aadhaar
eKYC)
|
ℹ️
Note: HDFC Bank supports fully digital Aadhaar OTP-based eKYC for most credit card applications. Physical document submission may be required only for premium cards (Infinia, Diners Black) or high-value applications.
HDFC Bank Credit Card Features & Benefits
HDFC credit cards are packed with powerful benefits across lifestyle, travel, and financial categories. Here are the standout features:
SmartBuy 10X Rewards
Earn 10X reward points on flights, hotels, shopping, and more through HDFC SmartBuy — India's richest rewards platform
Airport Lounge Access
Complimentary domestic and international lounge access — unlimited on Infinia & Diners Black, 12 visits/year on Regalia Gold
Welcome Bonus
Generous welcome gift of reward points or vouchers worth ₹500–₹12,500 on card issuance and first transaction
EMI & FlexiPay
Convert any transaction above ₹5,000 into easy EMIs instantly. Interest-free EMI offers available on selected merchants
Fuel Surcharge Waiver
Save 1% fuel surcharge at HPCL, BPCL, and all fuel stations across India — up to ₹250 savings per billing cycle
Zero Liability Fraud Cover
Complete fraud protection with zero liability on unauthorized transactions. 24×7 card block via SMS, app, or helpline
Additional HDFC card benefits include: golf privileges (Infinia/Diners), concierge services, Club Marriott membership, movie ticket discounts, dining cashback, complimentary travel insurance up to ₹1.5 Cr, and spend-based annual fee waivers.
HDFC Credit Card Bill Payment — All Methods
Timely payment is critical to avoid interest charges and maintain your credit score. HDFC offers the widest range of credit card bill payment options in India:
| Payment Method |
Platform |
Time to Reflect |
| HDFC Mobile Banking App |
iOS / Android |
Instant |
| HDFC Net Banking |
netbanking.hdfcbank.com |
Instant |
| NEFT / IMPS Transfer |
Any bank |
Instant – 2 hours |
| Auto-Pay / ECS Standing Instruction |
HDFC or other bank |
Auto on due date |
| Google Pay / PhonePe / Paytm (UPI) |
UPI apps |
Instant |
| GooBillDesk / HDFC PayZapp |
Mobile Wallet |
Instant |
| HDFC ATM |
HDFC ATM |
Same day |
| Cheque / DD at Branch |
HDFC Bank Branch |
3–5 working days |
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Best Practice: Set up an ECS auto-debit for the full outstanding amount. This protects your CIBIL score, avoids ₹100–₹1,300 late fees, and ensures you never pay interest on your HDFC card.
How to Activate Your HDFC Bank Credit Card
Your new HDFC credit card needs to be activated before first use. Here are all the available activation methods:
1
Via HDFC MyCards App
Download the HDFC MyCards app, register with your card details and OTP, and activate your card instantly. You can also generate a virtual card number for immediate online use.
2
Via HDFC Mobile Banking / Net Banking
Log in to HDFC Mobile Banking or netbanking.hdfcbank.com → Cards section → Select your new card → Click "Activate". Verify with OTP sent to registered mobile.
3
Via IVR / Customer Care Call
Call HDFC credit card helpline 1800-202-6161 or 1800-103-0190 (toll-free). Follow the IVR prompts to activate after verifying your identity.
4
First ATM PIN Use
Visit any HDFC ATM, generate your card PIN (sent separately or via app), and complete a balance enquiry. This also activates your card for all transactions.
HDFC Credit Card Login & Net Banking
Manage all aspects of your HDFC credit card 24×7 through these official digital platforms:
Through HDFC's digital platforms you can: view real-time statements, pay bills, set card limits, convert to EMI, track SmartBuy rewards, raise disputes, block/unblock card, update KYC, and manage all add-on cards seamlessly.
How to Track HDFC Credit Card Application Status
After applying for an HDFC credit card, track your application status through these channels:
| Method |
How to Check |
| HDFC Bank Website |
Visit hdfcbank.com → Cards → "Track Application" → Enter Application Ref. No. + Date of Birth
|
| HDFC Mobile App |
Open HDFC Mobile Banking → Cards → "Track My Card Application"
|
| Customer Care |
Call 1800-103-0190 with your Application Reference Number ready
|
| SMS Alert |
HDFC sends automated SMS updates at each stage of processing to your registered mobile
|
| Email |
Application status emails sent automatically to your registered email address at key milestones |
HDFC Credit Card Rewards Program — SmartBuy & Beyond
HDFC Bank's SmartBuy rewards platform is one of the most lucrative in India, offering 10X reward points on select categories:
| Card |
Base Earning Rate |
Accelerated Rate |
SmartBuy 10X |
| HDFC Infinia Metal |
5 pts / ₹150 |
10X on SmartBuy |
✅ Yes |
| HDFC Regalia Gold |
4 pts / ₹150 |
5X on SmartBuy |
✅ Yes |
| HDFC Millennia |
5% cashback online |
5% on Amazon/Flipkart/Myntra |
✅ Yes |
| HDFC MoneyBack+ |
2 pts / ₹150 |
4X on Amazon/Flipkart/Swiggyy |
✅ Yes |
| HDFC Diners Black |
5 pts / ₹150 |
10X on SmartBuy |
✅ Yes |
| HDFC Swiggy Card |
1 pt / ₹150 |
10% on Swiggy platform |
✅ Yes |
ℹ️
Reward Point Value: HDFC Reward Points (CashPoints) are worth ₹0.20–₹0.50 per point for statement credit. For flights via SmartBuy, the value can go up to ₹1 per point — making SmartBuy bookings the highest-value redemption option.
How to Redeem HDFC Credit Card Reward Points
HDFC SmartBuy offers multiple redemption options for your accumulated reward points. Here's how to get maximum value:
1
Redeem on HDFC SmartBuy
Visit smartbuy.hdfcbank.com and book flights, hotels, or shop. Use "Pay with Points" to redeem against the booking amount. Best value: up to ₹1/point on flights.
2
Statement Credit (CashPoints)
Log in to HDFC Net Banking or MyCards app → Rewards → Redeem for Statement Credit. Min 500 points; worth ₹0.20/point. A ₹99 + GST redemption fee applies.
3
Miles Transfer (Infinia / Diners)
Transfer points to Jet Privilege, Air India Flying Returns, British Airways Avios, or Singapore Airlines KrisFlyer. Typical ratio: 1 CashPoint = 1 Air Mile.
4
Gift Vouchers & Products
Redeem for vouchers from Amazon, Flipkart, Myntra, Tanishq, Titan, Lifestyle and 200+ brands through the HDFC rewards catalogue at competitive point values.
HDFC Credit Card Balance Transfer
Transfer outstanding balances from other high-interest credit cards to your HDFC card at a significantly lower promotional interest rate:
| Feature |
Details |
| Minimum Transfer Amount |
₹15,000 |
| Maximum Transfer Amount |
Up to 75% of available credit limit |
| Balance Transfer Interest Rate |
0.99% – 1.49% per month (promotional) |
| Repayment Tenure |
3, 6, 9, or 12 months EMI |
| Processing Fee |
1% of transfer amount + GST (min ₹250) |
| Eligibility |
HDFC credit card holder with 6+ months of active card usage
|
| Disbursal Time |
3–7 working days via NEFT to the other bank
|
To apply, log in to HDFC Net Banking → Cards → Balance Transfer on Credit Card, or call customer care at 1800-202-6161.
When is Interest Charged on an HDFC Credit Card?
Understanding HDFC's credit card interest policy is critical to avoiding the 43.2% annual finance charge:
✅ When Interest is NOT Charged
- ✓When you pay 100% of the total outstanding by the due date
- ✓On retail purchases within the interest-free grace period
- ✓On EMI transactions (only the EMI interest rate applies)
- ✓On reward point redemptions or fee reversals
❌ When Interest IS Charged
- ✗On any unpaid balance carried forward past the due date
- ✗On cash advances — interest starts from the withdrawal date
- ✗On the ENTIRE outstanding amount if even ₹1 is left unpaid
- ✗For the full billing cycle — not just from the due date
⚠️
Critical: HDFC charges 3.6% per month (43.2% annually) — one of the highest in India. If you pay even ₹1 less than the total outstanding, interest applies on the ENTIRE balance, not just the unpaid portion. Always pay 100%.
HDFC Credit Card Interest-Free Period
The HDFC credit card grace perio allows up to 50 days of interest-free credit on retail purchases:
| Detail |
HDFC Card Policy |
| Maximum Interest-Free Period |
Up to 50 days |
| Billing Cycle Duration |
30 days |
| Payment Due Date |
20 days after statement generation date |
| Condition for Zero Interest |
Full outstanding balance (not just minimum due) must be paid |
| Applicable on |
Retail purchases only — NOT applicable on cash advances |
| Interest-free period lost if |
Any part of previous statement balance is carried forward |
💡
Smart Tip: To get the maximum 50-day interest-free period, make large purchases on the first day of your billing cycle. Your billing date can be found on your HDFC statement or MyCards app.
HDFC EMI & FlexiPay Facility on Credit Card
HDFC's FlexiPay is a powerful feature that lets you convert large purchases or your total outstanding into convenient monthly instalments:
| Feature |
Details |
| Minimum Transaction for EMI |
₹5,000 |
| EMI Tenure Options |
3, 6, 9, 12, 18, or 24 months |
| EMI Interest Rate |
12% – 24% p.a. depending on tenure and bank offer |
| No-Cost EMI |
Available on partner merchants (Amazon, Flipkart, Apple, Samsung etc.) |
| FlexiPay (Balance to EMI) |
Convert outstanding balance to EMI; min ₹10,000; 3–60 months |
| Preclosure Charges |
3% on outstanding principal balance |
To convert a purchase to EMI, open the HDFC MyCards or Mobile Banking app → Transactions → Select transaction → Convert to EMI. Alternatively, call customer care within 30 days of the purchase.
HDFC Bank Credit Card Customer Care — 24×7 Support
HDFC Bank offers comprehensive round-the-clock customer support for all credit card queries, disputes, and management needs:
| Channel |
Contact Details |
Availability |
| Toll-Free Helpline |
1800-202-6161 / 1800-103-0190 |
24×7 |
| Non-Toll-Free (from abroad) |
+91-22-6160-6161 |
24×7 |
| HDFC AI Chatbot (EVA) |
hdfcbank.com or Mobile App |
24×7 |
| Email Support |
support@hdfcbank.com |
Response within 48 hours |
| Twitter / X |
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Instant Card Block: SMS "BLOCK XXXX" (last 4 digits) to 5676712 or call 1800-202-6161 immediately if your HDFC credit card is lost or stolen. The card is blocked within seconds.
Quick Links to Manage Your HDFC Credit Card
Frequently Asked Questions About HDFC Bank Credit Cards
Which is the best HDFC credit card in 2026?
For premium & travel: HDFC Infinia Metal (unlimited lounge, 10X rewards). For best all-round: HDFC Regalia Gold (lounge + rewards + travel). For cashback: HDFC Millennia (5% online). For beginners: HDFC MoneyBack+ (low fee, easy approval). For foodies: HDFC Swiggy Card (10% on Swiggy).
What is the minimum salary for an HDFC credit card?
For entry-level HDFC cards (MoneyBack+, Millennia), the minimum monthly salary is ₹25,000. For mid-range cards like Regalia Gold, ₹40,000–₹80,000/month is needed. Premium cards (Infinia, Diners Black) require ₹1.5–₹2 lakhs/month or a pre-existing HDFC relationship. Self-employed need ₹6L+ annual ITR.
How do I check my HDFC credit card balance?
You can check your HDFC credit card balance via: (1) HDFC Mobile Banking app → Cards, (2) HDFC Net Banking → Cards section, (3) SMS "BAL" to 5676712, (4) HDFC MyCards app, or (5) Call 1800-202-6161 for IVR balance enquiry.
How does HDFC SmartBuy work and how to earn 10X rewards?
HDFC SmartBuy (smartbuy.hdfcbank.com) is HDFC's exclusive rewards portal. Book flights, hotels, buy gift vouchers, or shop through SmartBuy using your HDFC credit card to earn 10X reward points instead of the standard rate. The 10X offer is valid for a limited number of transactions per month — typically 2–3 transactions. Always check the T&C for current limits.
Can I get an HDFC credit card with a low CIBIL score?
HDFC Bank is stricter with credit scores compared to other issuers. A score of 720+ is recommended for most HDFC cards. If your score is below 700, consider applying after improving your score, or opt for a secured credit card (like HDFC MoneyBack against FD) which has no minimum score requirement.
How do I increase my HDFC credit card limit?
Request a credit limit increase via: (1) HDFC Net Banking → Cards → "Enhance Credit Limit", (2) Mobile Banking App → Cards → Limit Enhancement, or (3) Call 1800-202-6161. Eligibility is based on income, repayment history, CIBIL score, and card usage. Submit fresh salary slips or ITR for a higher chance of approval. Best to request after 6–12 months of good usage.
What is the HDFC Infinia Metal Card and who is it for?
The HDFC Infinia Metal Credit Card is HDFC's most prestigious credit card, made of metal. It offers unlimited lounge access globally, 10X rewards on SmartBuy, complimentary Club Marriott membership, golf privileges, concierge services, and a low 2% forex markup. It's invite-only and typically requires ₹25,000+/year fee, ₹2L+/month income, and a CIBIL score of 800+.
Is there a lifetime free HDFC credit card?
HDFC Bank does not currently offer a standard lifetime free credit card. However, most HDFC cards waive the annual fee if you meet the minimum annual spend threshold. For example, HDFC MoneyBack+ waives the ₹500 fee on ₹50,000 annual spend, and Regalia Gold waives ₹2,500 on ₹3 lakh annual spend. Pre-approved salary account holders sometimes receive lifetime free offers.
Best HDFC Credit Cards for Rewards
HDFC Infinia Credit Card
Joining Fee: ₹12500
✈ Travel 🏆 Reward 👑 Premium
- Earn 5 Reward Points per Rs. 150 spent across all retail categories, including insurance, utilities, and education
- Earn up to 10X Rewards on travel and shopping spends made via HDFC Bank’s SmartBuy Platform (max 15,000 points per month)
HDFC Diners Club Black Metal Edition Credit Card
Joining Fee: ₹10000
✈ Travel 🏆 Reward 👑 Premium
- Earn 5 reward points for every Rs. 150 spent
- Earn up to 10X reward points on SmartBuy purchases
HDFC Regalia Gold Credit Card
Joining Fee: ₹2500
🛒 Shopping 🏆 Reward 💺 Airport Lounge Access
- Get 4 Reward Points per Rs. 150 spent across all categories including insurance, utilities, and education
- Get 20 Reward Points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer, and Reliance Digital
HDFC MoneyBack+ Credit Card
Joining Fee: ₹500
🏆 Reward 🔰 Entry-Level 🛍 Online Shopping
- Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore and BigBasket
- Earn 5X CashPoints on EMI spends at merchant locations
Best HDFC Credit Cards for Shopping
Tata Neu Infinity HDFC Bank Credit Cards
Joining Fee: ₹1499
🛒 Shopping 💵 Cashback Utility bill payment
HDFC Regalia Gold Credit Card
Joining Fee: ₹2500
🛒 Shopping 🏆 Reward 💺 Airport Lounge Access
![Tata Neu Plus HDFC Credit Card]()
Tata Neu Plus HDFC Credit Card
Joining Fee: ₹0
🛒 Shopping 🔰 Entry-Level
- Get 499 NeuCoins as welcome bonus on first transaction within 30 days
- Earn 2% back as NeuCoins on spends across Tata Neu and partner Tata brands
Best HDFC Credit Cards for Travel
HDFC Infinia Credit Card
Joining Fee: ₹12500
✈ Travel 🏆 Reward 👑 Premium
- Get Free Priority Pass Membership with unlimited access to lounges in India and abroad
- Enjoy low foreign currency mark-up fee of 2% (GST extra)
HDFC Diners Club Black Metal Edition Credit Card
Joining Fee: ₹10000
✈ Travel 🏆 Reward 👑 Premium
- Get annual memberships of Club Marriott, Swiggy One, and Amazon Prime on spending Rs. 1.5 lakh during the first month
- Enjoy unlimited lounge access to 1,000+ airport lounges in India and worldwide for both primary and add-on card members
Marriott Bonvoy HDFC Credit Card
Joining Fee: ₹3000
✈ Travel 💺 Airport Lounge Access
- Get 1 Free Night Award, complimentary Marriott Bonvoy Silver Elite Status, and 10 Elite Night Credits as welcome benefits
- Earn 8 Marriott Bonvoy Points for every Rs. 150 spent at hotels participating in Marriott Bonvoy
6E Rewards XL Indigo HDFC Credit Card
Joining Fee: ₹1500
✈ Travel
- Get low forex markup fee of 2.5%
- Enjoy 8 complimentary domestic lounge visits per year (max 2 per quarter)
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What Our Customers Say
★★★★★
"Applied for HDFC Regalia Gold through MyBankingTips and got approved in 4 days with a ₹7L limit. The lounge access and SmartBuy rewards are genuinely outstanding. Best card I've owned!"
V
Vikram Singh
Business Consultant, Gurgaon
★★★★★
"I was confused between Millennia and MoneyBack+. The MyBankingTips comparison guide explained everything clearly. Got Millennia and the 5% cashback on Amazon and Flipkart is absolutely real!"
N
Neha Joshi
Software Engineer, Pune
★★★★★
"As a frequent flyer, the HDFC Infinia Metal Card changed my travel experience. Unlimited lounge access and the SmartBuy portal saved me over ₹80,000 in my first year. Worth every rupee of the fee!"
S
Sandeep Kulkarni
Senior Manager, Mumbai
⚠️ Disclaimer
MyBankingTips is a loan aggregator and is authorized to provide services on behalf of its partners. *Applicable for selected customers. HDFC Bank credit card features, fees, interest rates, and reward programmes mentioned on this page are indicative and subject to change at HDFC Bank's discretion. All credit card applications and approvals are subject to HDFC Bank's underwriting criteria and the applicant's creditworthiness. MyBankingTips does not guarantee approval of any application. Please read the Most Important Terms & Conditions (MITC) document carefully before applying. This content is for educational and informational purposes only and does not constitute financial advice.