HDFC Bank Credit Cards
India's largest card issuer — from lifetime-free starters to super-premium metal cards, with the deepest merchant offer network in the country.
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Popular HDFC Bank cards
Hand-picked variants across rewards, cashback, travel and lifetime-free. Fees shown are indicative — the issuer's latest schedule applies.
Millennia Credit Card
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Millennia Credit Card
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato and more
- 1% cashback on all other spends
- Quarterly milestone vouchers on ₹1L spends
Swiggy HDFC Bank Credit Card
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Swiggy HDFC Bank Credit Card
- 10% cashback on Swiggy (food, Instamart, Dineout)
- 5% cashback on online spends
- Complimentary Swiggy One membership on activation
Regalia Gold Credit Card
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Regalia Gold Credit Card
- Complimentary domestic + international lounge access
- 4 reward points per ₹150; 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
- ₹1,500 vouchers each quarter on ₹1.5L spends
Infinia Credit Card (Metal)
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Infinia Credit Card (Metal)
- 5 points per ₹150 (~3.3% return), redeemable 1:1 for flights/hotels
- Unlimited lounge access worldwide for you + add-on
- Club Marriott membership and golf privileges
Fees & charges
- Interest on revolving balance
- 3.4% – 3.75% / month
- Cash advance fee
- ~2.5% of amount (min ₹300–500)
- Late payment charges
- ₹0 – ₹1,300 slab-wise on amount due
- Foreign currency markup
- 2% – 3.5% (Infinia lower)
- Fuel surcharge waiver
- ~1% on eligible slabs, capped monthly
Eligibility
- Age
- 21 – 60 years (up to 65–75 for some issuers)
- Income
- ₹15,000 – ₹25,000+/month for entry cards; higher for premium
- Employment
- Salaried or self-employed with steady income
- Credit score
- 700+ improves approval odds and limits
Documents
- PAN card (mandatory for all card applications)
- Aadhaar / passport / voter ID as identity & address proof
- Latest salary slips or ITR for income proof (premium cards)
- Passport-size photo if digital KYC hasn't captured one
HDFC Bank card FAQs
Which HDFC card should a first-timer take?
Millennia (or Swiggy HDFC if you order food often) — low fee, simple 5% cashback categories, and an easy upgrade path to Regalia Gold after a year of clean usage.
How do I get an Infinia?
It's invite-led — typically for high relationship-value HDFC customers or ₹3L+ monthly incomes. Building history on Regalia Gold with high spends is the usual route.
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