HDFC Bank Credit Cards

Here are the some of the best HDFC Bank credit cards that you can compare by fees and benefits to check which one suits your needs:

Card Name	Category	Joining Fee	Annual Fee and Waiver	What It Earns	Lounge Access	Best Suited For	Good to Know
HDFC Bank PIXEL Go Credit Card	Cashback	₹250	₹250 — waived on ₹50,000 annual spends	1% unlimited cashback on all spends; 5% on SmartBuy, capped at 500 CashPoints a month	No	Cashback	The only HDFC card here with an FD-backed option for applicants with no credit history.
HDFC Bank MoneyBack+ Credit Card	Rewards	₹500	₹500 — waived on ₹50,000 annual spends	10X CashPoints at Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart, capped monthly; 2 per ₹200 elsewhere	No	Online Shopping	The monthly cap limits what heavy spenders can earn.
HDFC Bank Freedom Credit Card	Rewards	₹500	₹500 — waived on ₹50,000 annual spends	10X CashPoints on Big Basket, BookMyShow, OYO, Swiggy and Uber; 1 per ₹150 elsewhere	No	• Food Delivery • Entertainment • Travel	Lifestyle merchants rather than retail shopping.
IndianOil HDFC Bank Credit Card	Fuel	₹500 — not waivable	₹500 — waived on ₹50,000 annual spends	5% Fuel Points at IndianOil (250/month for 6 months, then 150), groceries and bill payments (100/month each); 1 per ₹150 elsewhere	No	• Fuel • Groceries • Bill Payments	Fuel Points are worth ₹0.96 against fuel but only ₹0.20 as cashback.
HDFC Bank BizFirst Credit Card	Business	₹500	₹500 — waived on ₹50,000 annual spends	3% CashPoints on EMI spends (1,000/month); 2% on utilities, electronics, SmartPay and PayZapp (500/month); 1% on all else including UPI (500/month)	No	• Business • EMI Spends • Utilities	Category caps put a ceiling of 2,000 CashPoints a month however much is spent.
HDFC Bank GIGA Business Credit Card	Business	₹500	₹500 — waived on ₹50,000 annual spends	6 CashPoints per ₹200 on GST, income tax, bill payments and business software; 2 per ₹200 elsewhere; 800 bonus at ₹50,000 monthly spend	No	• Business • GST & Tax • Software	The only card here with a monthly rather than quarterly milestone.
HDFC Bank BizGrow Credit Card	Business	₹500	₹500 — waived on ₹1 Lakh annual spends	10X CashPoints on GST, tax, bill payments and business software above ₹10,000 a cycle, capped at 1,500 a month; 2 per ₹200 elsewhere	No	• Business • GST & Tax • Bill Payments	Below ₹10,000 a statement cycle the 10X rate does not apply at all.
Tata Neu Plus HDFC Bank Credit Card	Co-branded	₹499	₹499 — waived on ₹1 Lakh annual spends	NeuCoins on Tata Neu and partner brands, with an accelerated rate across the Tata ecosystem	No	• Shopping • Tata Brands	Rewards are NeuCoins, spendable only within the Tata ecosystem.
HDFC Bank Millennia Credit Card	Cashback	₹1,000	₹1,000 — waived on ₹1 Lakh annual spends	5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Sony LIV and Cult.fit; 1% on everything else	Yes	• Online Shopping • Cashback • Travel	Straight cashback rather than points to redeem. The natural upgrade from MoneyBack+. Lounge: 1 domestic visit per quarter on ₹1 Lakh quarterly spends.
HDFC Bank Diners Club Privilege Credit Card	• Premium • Lifestyle	₹1,000	₹1,000 — waived on ₹3 Lakh annual spends	10X Reward Points on SmartBuy; 5X on Swiggy and Zomato; base rate on everything else	Yes	• Dining • Travel • Entertainment	Lounge access is voucher-based and depends on the previous quarter's spending. Lounge: 2 domestic and 1 international voucher per quarter on ₹60,000 previous-quarter spends.
HDFC Bank PIXEL Play Credit Card	Customisable	₹500	₹500 — waived on ₹1 Lakh annual spends	5% cashback on any two brand packs you choose and 3% on one e-commerce merchant, each capped at 500 CashPoints a month; 5% on SmartBuy	No	• Shopping • Customisable Categories	Managed entirely in PayZapp, with a choice of billing date and card colour.
TATA Neu Infinity HDFC Bank Credit Card	• Premium • Co-branded	₹1,499	₹1,499 — waived on ₹3 Lakh annual spends	A higher NeuCoins rate than Tata Neu Plus across the Tata ecosystem, plus accelerated earning on non-Tata spends	Yes	• Shopping • Tata Brands • Travel	Worth the step up from Tata Neu Plus only above roughly ₹3 Lakh a year. Lounge: Domestic and international access on spend criteria.
HDFC Bank Regalia Gold Credit Card	• Super Premium • Travel	₹2,500	₹2,500 — waived on ₹4 Lakh annual spends	5 Reward Points per ₹200; 5X on Myntra, Nykaa, Reliance Digital and Marks & Spencer; ₹1,500 vouchers at ₹1.5 Lakh quarterly spends	Yes	• Travel • Lifestyle • Shopping	Lounge access works by card swipe rather than downloading vouchers. Lounge: By card swipe on meeting quarterly spend criteria.
HDFC Bank BizPower Credit Card	• Business • Super Premium	₹2,500	₹2,500 — waived on ₹4 Lakh annual spends	Accelerated CashPoints on business categories, with a 60,000 per statement cycle ceiling	Yes	• Business • Travel	The first business card in the range to carry lounge access. Lounge: 2 domestic visits per quarter on ₹75,000 previous-quarter spends.
Marriott Bonvoy HDFC Bank Credit Card	• Super Premium • Hotel	₹3,000	₹3,000 — no spend waiver available	Marriott Bonvoy Points rather than CashPoints, plus Marriott Bonvoy Silver Elite status and free night awards	Yes	• Travel • Hotel Stays	The only card here with no fee waiver at all — justified by stays, not spending. Lounge: Priority Pass membership.
HDFC Bank BizBlack Metal Business Credit Card	• Business • Super Premium	₹10,000 — waived on ₹1.5 Lakh within 90 days	₹10,000 — waived on ₹7.5 Lakh annual spends	5X Reward Points on bill payments, GST, income tax, hotel and flight bookings above ₹50,000 a cycle, capped at 7,500; 1,50,000 maximum per cycle	Yes	• Business • Travel • GST & Tax	The 5X rate only starts above ₹50,000 of spend in a statement cycle. Lounge: Unlimited, for active cardholders with a transaction in the previous month.

Disclaimer: The fees and benefits mentioned may change as per the policies of the issuer. It is best to verify them before you apply.

HDFC Bank is one of India’s leading private sector banks and was among the first to receive approval from the Reserve Bank of India in 1994. This long-standing presence builds trust and confidence when you choose a credit card for daily use.

HDFC Bank credit cards help you earn cashback, reward points, and discounts on regular spends like shopping, dining, fuel, and bill payments. Many cards include fee waivers when you meet simple annual spending limits, which helps you manage costs with ease.

Here are some of the key offers and benefits that help you save more and earn rewards on everyday spending with HDFC Bank Credit Cards:

PIXEL Go Credit Card

• Earn 1% unlimited cashback as CashPoints on all eligible retail spends
• Earn 5% cashback on spends routed through HDFC SmartBuy, capped at 500 CashPoints a calendar month
• Earn 1% cashback on eligible UPI transactions made using the RuPay variant, capped at 500 CashPoints a calendar month
• Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
• Choose the FD-backed variant with a credit limit of up to 90% of the linked fixed deposit, with no income proof required
• Redeem CashPoints as statement cashback at 1 CashPoint = ₹1, from a minimum balance of 500 CashPoints
• CashPoints remain valid for 2 years from the date of accrual

 

MoneyBack+ Credit Card

• Earn 10X CashPoints (up to 2.5% value back) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, and BigBasket
• Get 2 CashPoints for every ₹200 spent on other purchases
• Receive 500 CashPoints when you pay your joining membership fee
• Redeem CashPoints for flight and hotel bookings through SmartBuy
• Avail an additional 10% discount on Swiggy Dineout using the coupon code HDFCCARDS

 

Freedom Credit Card

• Earn 1 CashPoint for every ₹150
• Earn 10X CashPoints on Big Basket, BookMyShow, OYO, Swiggy, and
• Get 500 CashPoints on payment of the joining membership fee
• Enjoy a 10% discount on Swiggy Dineout using the coupon code HDFCCARDS
• Get up to ₹1,000 CashPoints on in-app shopping across 200+ brands through PayZapp

 

IndianOil HDFC Bank Credit Card

• Earn 5% Fuel Points on groceries and bill payments made online or at POS (maximum 100 points per month per category)
• Earn 1 Fuel Point for every ₹150 spent on other purchases, including UPI transactions
• Earn up to 250 Fuel Points per month for the first 6 months and up to 150 Fuel Points per month thereafter
• Get ₹1,000 cashback on in-app shopping across 200+ brands via PayZapp
• Spend ₹50,000 or more in the first year and get a waiver on the renewal membership fee

 

BizFirst Credit Card

• Earn 3% CashPoints on EMI spends (maximum 1,000 CashPoints per calendar month)
• Earn 2% CashPoints on utility bills, electronics, SmartPay, and Payzapp transactions (maximum 500 CashPoints per calendar month
• Earn 1% CashPoints on all other spends including UPI transactions (maximum 500 CashPoints per calendar month
• Enjoy 40% savings on business travel and software purchases through SmartBuy
• Get 4% off on flight and hotel bookings with discounted fares, free meal and seat selection, and low cancellation

 

GIGA Business Credit Card

• Earn 6 CashPoints per ₹200 spent on GST payments, income tax payments, bill payments and business digital spends
• Earn 2 CashPoints per ₹200 spent on all other eligible business expenses
• Get 800 bonus CashPoints on monthly spends of ₹50,000
• Enjoy up to 55 days of interest-free credit on purchases
• Get credit liability cover of up to ₹3 Lakhs
• Redeem CashPoints as statement cashback from a minimum balance of 250 CashPoints

 

BizGrow Credit Card

• Earn up to 10X CashPoints on select business spends
• Earn 2 CashPoints for every ₹150 spent on business purchases
• Save up to 40% on business travel and software via SmartBuy BizDeals
• Get 4% off on flights and hotels through MMT MyBiz
• Enjoy an additional 10% off on dining bills at 35,000+ restaurants
• Get up to 20% savings on dining with Swiggy Dineout

 

Tata Neu Plus HDFC Bank Credit Card

• Earn NeuCoins on spends across Tata Neu and partner brands including BigBasket, Croma, Westside, Air India and Taj
• Earn NeuCoins on all other eligible spends outside the Tata ecosystem
• Earn additional NeuCoins on UPI transactions made using the RuPay variant
• Redeem NeuCoins on the Tata Neu app against purchases across participating Tata brands
• Get a fuel surcharge waiver on eligible fuel transactions, subject to a per-cycle cap
• Manage the card, track NeuCoins and redeem rewards through the Tata Neu app

 

Millennia Credit Card

• Earn 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit
• Earn 1% cashback on all other spends
• Get up to 10% additional cashback via PayZapp Shop and SmartBuy
• Receive reward points equivalent to the membership fee upon payment
• Get ₹1,000 worth of gift vouchers or 1 domestic airport lounge access on spends of ₹1,00,000 or more each calendar quarter
• Enjoy a 10% additional discount on Swiggy Dineout using the coupon code HDFCCARDS

 

Diners Club Privilege Credit Card

• Earn 4 Reward Points for every ₹150 spent on retail purchases
• Earn 20 Reward Points for every ₹150 spent on Swiggy and Zomato
• Earn up to 10X Reward Points on spends via SmartBuy
• Enjoy 5X Reward Points on online food orders through Swiggy and Zomato
• Get complimentary annual memberships of Swiggy One and Times Prime on eligible spends
• Enjoy 'Buy 1 Get 1 Free' on movie or non-movie weekend tickets via BookMyShow (up to two free tickets per month)

 

PIXEL Play Credit Card

• Earn 5% cashback as PIXEL CashPoints on any two brand packs of your choice, capped at 500 CashPoints a calendar month
• Earn 3% cashback on one e-commerce merchant of your choice, capped at 500 CashPoints a calendar month
• Earn 5% cashback on spends routed through HDFC SmartBuy, capped at 500 CashPoints a calendar month
• Earn 1% cashback on eligible UPI transactions made using the RuPay variant, capped at 500 CashPoints a calendar month
• Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
• Choose your billing date and card colour, and manage the card entirely through the PayZapp app
• Convert eligible purchases into instalments using the Pay in Parts facility

 

TATA Neu Infinity HDFC Bank Credit Card

• Earn NeuCoins at a higher rate than the Tata Neu Plus card on spends across Tata Neu and partner brands
• Earn NeuCoins on non-Tata spends, including UPI transactions made using the RuPay variant
• Enjoy complimentary domestic and international airport lounge access on meeting the spend criteria
• Redeem NeuCoins on the Tata Neu app against purchases across participating Tata brands
• Get a fuel surcharge waiver on eligible fuel transactions, subject to a per-cycle cap
• Manage the card, track NeuCoins and redeem rewards through the Tata Neu app

 

Regalia Gold Credit Card

• Earn 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa, Reliance Digital, and via SmartBuy
• Earn 4 Reward Points for every ₹150 spent on retail purchases
• Receive ₹1,500 worth of vouchers on quarterly spends of ₹1.5 Lakhs
• Get ₹5,000 worth of flight vouchers on annual spends of ₹5 Lakhs and an additional ₹5,000 voucher on spends of ₹7.5 Lakhs
• Enjoy 3 domestic lounge visits per calendar quarter when you spend ₹60,000 or above in the previous calendar quarter
• Avail up to 10% discount at partner restaurants through Swiggy Dineout

 

BizPower Credit Card

• Earn 5X Reward Points on select business spends
• Enjoy up to 55 days of interest-free credit on purchases
• Get complimentary international and domestic airport lounge access
• Receive a ₹1,500 Amazon Voucher or Amazon Prime (1 Year) plus Biz Prime (6 Months) on your first online transaction within 30 days of issuance
• Get a ₹2,500 MakeMyTrip or Reliance Digital voucher on quarterly retail spends of ₹2.5 Lakhs (excluding rent and petrol)

 

Marriott Bonvoy HDFC Bank Credit Card

• Earn Marriott Bonvoy Points rather than CashPoints or Reward Points, redeemable for stays across the Marriott Bonvoy portfolio
• Earn accelerated Marriott Bonvoy Points on spends at participating Marriott Bonvoy hotels
• Get complimentary Marriott Bonvoy Silver Elite status with the card
• Receive free night awards on reaching the published annual spend milestones
• Enjoy complimentary Priority Pass membership for international airport lounge access
• Note that this card carries no spend-based waiver on the annual fee, unlike the other cards in this range

 

BizBlack METAL Business Credit Card

• Earn 5X Reward Points on bill payments, GST payments, hotel bookings, flight bookings, and other business spends
• Enjoy up to 55 days of interest-free credit on all purchases
• Get up to 20% discount on dining, stays, and spa services with Club Marriott membership across the Asia-Pacific region
• Earn up to 10X Reward Points on Flipkart, MakeMyTrip, Apple Imagine Tresor, and SmartBuy transactions
• Receive vouchers worth ₹20,000 annually on spends of ₹20 Lakhs or more
• Enjoy unlimited access to over 1,000 airport lounges worldwide for both primary and add-on cardholders

The HDFC Bank Credit Card Rewards Program helps you turn everyday spending into savings, while keeping earning and redemption rules clear and predictable. The programme suits both new and experienced users, as it explains limits and values upfront, helping you plan redemptions without confusion.

Here are the important points you should know about the rewards program:

Rewards

• You can earn Reward Points on eligible transactions such as retail purchases, travel bookings, dining, and partner merchant spends

• You need a minimum balance of ₹500 worth of Reward Points to redeem rewards against your card statement

• One Reward Point is worth up to ₹0.25, making its value simple and easy to track

• You can redeem Reward Points for up to 50% of the booking value on flight and hotel bookings, with the rest payable via your credit card
   

Redemption

• Reward Point redemption for flights and hotels is capped at 50,000 Reward Points  per month

• Total Reward Point redemption across all categories is limited to 3,000 Reward Points per month

• You can redeem up to 70% of the value of select products or vouchers using Reward Points, with the balance paid using your card

• From February 2026 onwards, reward redemptions will be limited to a maximum of five times per month per credit card

• You can redeem rewards digitally via HDFC Bank NetBanking or by submitting a physical redemption form at any branch

• You can redeem reward points through digital channels or at a branch, depending on what feels comfortable for you. Knowing the key conditions in advance helps you avoid surprises and use your rewards more effectively.

Here are the basic Credit Card eligibility rules you need to meet to check if you can apply for an HDFC Bank credit card with ease:

• You must be an Indian citizen with a valid residential address in India

• You should be at least 21 years old at the time of applying

• The maximum age limit is 60 years for salaried individuals

• The maximum age limit is 65 years for self-employed individuals

• As a salaried applicant, you need a minimum net monthly income of ₹20,000

• As a self-employed applicant, you need a minimum annual income of ₹6 Lakhs as per income tax records

• You must have a stable source of income to repay monthly credit card bills

• A healthy credit score improves approval chances and helps you access better card benefits

Here is a quick and easy way to apply online, helping you check eligibility, compare cards, and complete the process in just a few minutes:

1. Click on ‘Check Card Offer’ and enter your mobile number, date of birth, occupation, and basic details
2. Enter the one-time password sent to your registered mobile number to continue
3. Check and confirm pre-filled details such as your PAN number, residential PIN code, email address, and income
4. Choose the HDFC Bank credit card that matches your spending needs from the available options
5. Click on ‘Submit’ to complete your credit card application online

Here are the official HDFC Credit Card Customer Care contact details to help you get quick support for HDFC Bank credit card-related queries and services:

• Helpline Numbers

  Call 1800-1600 or 1800-2600 for HDFC Bank credit card support, available 24×7 including Sundays and bank holidays.

• ChatBanking via WhatsApp - HDFC Bank

  Add 7070022222 to your contacts and send a simple “Hi” on WhatsApp to instantly start your conversation with HDFC Bank.

• Email

  For any queries, issues, or support related to your credit card, email customerservices.cards@hdfc.bank.in to reach the HDFC Bank customer service team.

• Contact by Post

  Send requests to HDFC Bank Cards Division, P.O. Box 8654, Ambattur Industrial Estate P.O., Chennai – 600058.

• Contact by Courier

  Use HDFC Bank Cards Division, P.O. Box 8654, Door No. 94 SP Estate Bus Stand, Wavin Main Road, Mogappair West, Chennai – 600058.

Here are the simple ways you can activate your HDFC Bank credit card quickly and start using it without delay:

1. Use your credit card for at least one online or in-store transaction within 30 days of card opening to activate it automatically

2. Give a missed call from your registered mobile number to 9966027100 to confirm consent and keep the card active

3. Log in to the MyCards portal using the OTP and enable online, contactless, or international usage under card controls

4. Send ‘Manage My Credit Card’ on WhatsApp to 7070022222 to activate and manage card features easily

5. Visit the EVA digital assistant on the official HDFC Bank website and enable your preferred transaction settings

If you do not activate your card within 30 days, a 7-day grace period applies, after which the card closes automatically as per RBI guidelines.

Here is a simple step-by-step process to help you how to close HDFC Bank Credit Card online without confusion or delays:

1. Visit the official HDFC Bank credit card closure page and start the online request

2. Enter your registered 10-digit mobile number to receive a one-time password

3. Verify your identity by entering the OTP sent to your mobile number

4. Select the credit card you wish to close from the list or enter the last four digits if it is not registered

5. Choose the reason for closing your credit card from the available options

6. Confirm the closure request by completing OTP authentication

7. Receive confirmation that your credit card closure request has been submitted successfully