HDFC Bank Credit Cards 2026
India’s largest credit card issuer by cards outstanding (about 2.7 crore cards, July 2026). Compare 10 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 28 September 2026HDFC Bank credit cards
Best HDFC Bank card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Cashback | Swiggy HDFC Bank | ₹500 | Heavy Swiggy/food-delivery users (note: HDFC also lists newer Swiggy Ornge/BLCK… |
| Rewards | HDFC Bank Diners Club Black Metal Edition | ₹10,000 | High spenders wanting uncapped-lounge premium card below Infinia |
| Travel | HDFC Bank Diners Club Black Metal Edition | ₹10,000 | High spenders wanting uncapped-lounge premium card below Infinia |
| Lounge access | HDFC Bank Diners Club Black Metal Edition | ₹10,000 | High spenders wanting uncapped-lounge premium card below Infinia |
| Fuel | IndianOil HDFC Bank | ₹500 | Regular IndianOil fuel buyers with modest spends |
| Shopping | Tata Neu Infinity HDFC Bank | ₹1,499 | Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via Neu) and Ru… |
| Premium | HDFC Bank Diners Club Black Metal Edition | ₹10,000 | High spenders wanting uncapped-lounge premium card below Infinia |
| RuPay on UPI | Tata Neu Infinity HDFC Bank | ₹1,499 | Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via Neu) and Ru… |
Compare all HDFC Bank cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| HDFC Bank Diners Club Black Metal Edition | ₹10,000 / ₹10,000 | 3.33% base value | Unlimited airport lounge access worldwide for primary and add-on | 2.00% | -₹1,810 |
| HDFC Bank Infinia Credit Card Metal Edition | ₹12,500 / ₹12,500 | 3.33% base value | Unlimited domestic and international (Priority Pass) lounge access fo… | 2.00% | -₹4,760 |
| HDFC Bank Biz Power | ₹2,500 / ₹2,500 | 1.73% base value | 2 domestic/quarter on Rs 75,000 prior-quarter spend; 6 international … | — | ₹2,240 |
| Tata Neu Infinity HDFC Bank | ₹1,499 / ₹1,499 | 1.50% base value | 8 domestic visits/yr (max 2/quarter after Rs 50,000 spend) + 4 intern… | 2.00% | ₹4,500 |
| HDFC Bank Regalia Gold | ₹2,500 / ₹2,500 | 1.33% base value | 12 domestic visits/yr; 6 international visits/yr via Priority Pass (p… | 2.00% | ₹1,040 |
| Swiggy HDFC Bank | ₹500 / ₹500 | 1.00% base value | None | — | ₹3,000 |
| HDFC Bank Millennia | ₹1,000 / ₹1,000 | 1.00% base value | Domestic lounge benefit via milestone: spend Rs 1 lakh in a quarter t… | 3.50% | ₹3,000 |
| IndianOil HDFC Bank | ₹500 / ₹500 | 0.64% base value | None stated | 3.50% | ₹1,920 |
| HDFC Bank MoneyBack+ | ₹500 / ₹500 | 0.33% base value | None stated | — | ₹990 |
| HDFC Bank Biz Grow | ₹500 / ₹500 | 0.25% base value | — | — | ₹750 |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Credit card phone banking (24x7) | 1800 202 6161 / 1860 267 6161 |
| General toll-free | 1800 1600 / 1800 2600 |
| Calling from abroad (chargeable) | +91 22 6160 6160 (bankbazaar lists +91 22 6160 6161 - verify) |
| WhatsApp banking | 70700 22222 |
| Complaints toll-free | 1800 258 3838 |
Bill payment
- HDFC NetBanking / MobileBanking (own account transfer)
- Auto-debit / standing instruction (MAD or Total due) via Auto-Debit Authorization form
- NEFT/IMPS from other banks: IFSC HDFC0000128, beneficiary account = 16-digit card number, payee = name on card
- UPI / BBPS apps (Paytm, PhonePe etc.)
- BillDesk ’Pay other bank’ portal
- Cheque at branch/drop box payable to ’HDFC Bank Card A/C <card no.>’
Eligibility
| Criterion | HDFC Bank |
|---|---|
| Age | Typically 21-60 (salaried), up to 65 (self-employed); card-specific |
| Income | Entry cards from Rs 12,000-20,000/month salaried (IndianOil / MoneyBack+); self-employed ITR Rs 6 lakh+ |
| Documents | PAN, Aadhaar / address proof, Salary slips or ITR / bank statement |
Frequently asked questions
Which HDFC Bank credit card is best?
It depends on how you spend. By base reward value, HDFC Bank Diners Club Black Metal Edition ranks first among the cards we track; for no fees, look for fee-waiver conditions. Use the comparison table and the value calculator on each card page.
What is the HDFC Bank credit card customer care number?
Credit card phone banking (24x7): 1800 202 6161 / 1860 267 6161; General toll-free: 1800 1600 / 1800 2600.
How do I pay my HDFC Bank credit card bill?
HDFC NetBanking / MobileBanking (own account transfer); Auto-debit / standing instruction (MAD or Total due) via Auto-Debit Authorization form; NEFT/IMPS from other banks: IFSC HDFC0000128, beneficiary account = 16-digit card number, payee = name on card.
What is the eligibility for a HDFC Bank credit card?
Age Typically 21-60 (salaried), up to 65 (self-employed); card-specific. Income: Entry cards from Rs 12,000-20,000/month salaried (IndianOil / MoneyBack+); self-employed ITR Rs 6 lakh+.
Compiled from HDFC Bank’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with HDFC Bank.