Choosing the right credit card is very important for managing your daily expenses, shopping, travel, and even saving money. With so many options available, it can be confusing to pick the one that suits your lifestyle. That’s where HDFC Bank credit cards come in. HDFC Bank is one of the most trusted banks in India, offering a wide range of credit cards for different needs like shopping, travel, dining, and fuel.
In this article, you will learn about the best HDFC Bank credit cards available in 2025. We have explained each card in very simple language so that anyone can understand it easily. Whether you are a student, a salaried person, or a business owner, there is a perfect HDFC credit card for you.
This guide will help you make an informed decision and answer all your common questions in one place. Let’s explore the top HDFC Bank credit cards and their benefits.
Image Credit- Card Insider
Why Choose HDFC Bank Credit Cards?
Before we list the best HDFC credit cards, let us understand why many people choose HDFC Bank:
- Trusted Brand: HDFC Bank is one of the largest private banks in India.
- Variety of Cards: From travel to cashback, they have cards for every need.
- Good Customer Service: Their support team is responsive and helpful.
- Rewarding Offers: Their cards offer discounts, cashback, and loyalty points.
- Wide Acceptance: HDFC cards are accepted almost everywhere, including international platforms.
Top HDFC Bank Credit Cards in 2025
Now let’s look at the most popular and useful HDFC Bank credit cards you can apply for in 2025. Each card is suited for a different kind of user.
1. HDFC Diners Club Black Credit Card
This card is perfect for high-spenders, travelers, and people who love premium benefits.
Key Benefits:
- Free access to over 1,000 international and domestic airport lounges.
- Free memberships to Amazon Prime, Swiggy One, Club Marriott, etc.
- Earn 5 reward points for every ₹150 spent.
- 2X points on dining, travel, and international spending.
- 6 free golf games every quarter at top courses.
- Comprehensive travel insurance and air accident cover.
- Get the joining fee waived by spending ₹1.5 lakhs in the first 3 months.
Fees:
- Joining Fee: ₹10,000 + GST
- Renewal Fee: ₹10,000 (waived if you spend ₹5 lakhs in a year)
Best for: Premium users, frequent travelers, and luxury lifestyle seekers.
2. HDFC Millennia Credit Card
This is a great card for young professionals who shop online regularly.
Key Benefits:
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and more.
- 1% cashback on all other spends except fuel and wallet loads.
- Get ₹1,000 worth of gift vouchers on spending ₹1,00,000 per quarter.
- 20% discount on dining through Swiggy Dineout.
- Fuel surcharge waiver up to ₹250 per month.
- Contactless payments for quick checkouts.
Fees:
- Joining Fee: ₹1,000 + GST
- Renewal Fee: ₹1,000 (waived on annual spending of ₹1 lakh)
Best for: Online shoppers, food lovers, and salaried employees.
3. HDFC MoneyBack+ Credit Card
Best suited for everyday spending and beginners who want to earn rewards.
Key Benefits:
- 10X reward points on Amazon, BigBasket, Reliance Smart, and Swiggy.
- 2X points on other online spends.
- ₹500 gift voucher every quarter on spending ₹50,000.
- 20% off at dining partner restaurants.
- Reward points can be redeemed for cashback or gifts.
- Fuel surcharge waiver up to ₹250/month.
Fees:
- Joining Fee: ₹500 + GST
- Renewal Fee: ₹500 (waived on spending ₹50,000 annually)
Best for: Regular shoppers, budget-conscious people, and first-time credit card users.
4. HDFC Freedom Credit Card
A budget-friendly card with simple rewards and great offers.
Key Benefits:
- Earn 10X reward points on groceries, movie tickets, online food orders, and taxis.
- 1 reward point for every ₹150 spent on other expenses.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
- Dining benefits of up to 20% at partner restaurants.
- Spend ₹50,000 annually and get a ₹500 voucher.
Fees:
- Joining Fee: ₹500 + GST
- Renewal Fee: ₹500 (waived on annual spend of ₹60,000)
Best for: First-time cardholders, college students, and low spenders.
5. HDFC Regalia Credit Card
Ideal for people who travel often and want luxury services without high fees.
Key Benefits:
- Free access to 12 airport lounges (domestic & international) every year.
- Complimentary travel insurance and emergency overseas hospitalization.
- Earn 4 reward points on every ₹150 spent.
- Hotel and flight booking discounts via SmartBuy.
- Dining offers and lifestyle privileges.
- Concierge service for hotel bookings and flight tickets.
Fees:
- Joining Fee: ₹2,500 + GST
- Renewal Fee: ₹2,500 (waived on spending ₹3 lakh/year)
Best for: Travelers, business professionals, and lifestyle enthusiasts.
6. Tata Neu Infinity HDFC Credit Card
This card is great if you shop on Tata platforms like Croma, BigBasket, and Tata CLiQ.
Key Benefits:
- Earn 5% back as NeuCoins on Tata brands.
- 1.5% back on other spends.
- Use NeuCoins across Tata brands.
- UPI payment option with 1.5% cashback.
- 8 free domestic airport lounge visits per year.
Fees:
- Joining Fee: ₹1,499 + GST
- Renewal Fee: ₹1,499
Best for: Tata loyal customers and regular online shoppers.
How to Apply for an HDFC Credit Card?
You can apply for an HDFC Bank credit card in the following ways:
- Online Application:
- Visit the official HDFC Bank website.
- Select the credit card you want.
- Fill out the application form.
- Upload required documents (ID proof, income proof, PAN, etc.).
- Offline Application:
- Visit any HDFC Bank branch.
- Speak to a representative and get help with the application.
- Submit your documents in person.
Documents Required
To apply, you’ll need:
- PAN Card
- Aadhar Card / Passport / Voter ID
- Income Proof (salary slip or ITR)
- Passport-size photograph
Tips for Choosing the Best HDFC Credit Card
Here are some simple points to help you decide:
- Check your spending habits. If you shop online often, choose a cashback or reward card.
- See the fees. Make sure you can meet the annual spending target to avoid renewal fees.
- Look at the benefits. If you travel, go for a card with lounge access and insurance.
- Eligibility. Choose a card for which you qualify based on your income and job profile.
FAQs
Q1. What is the minimum salary for HDFC credit cards?
Most HDFC cards require a monthly income of ₹20,000 or more. Premium cards need higher income like ₹1 lakh+ per month.
Q2. How can I check the status of my HDFC credit card application?
You can track the application status online using your reference number on the HDFC Bank website.
Q3. Is there a lifetime free HDFC credit card?
Some HDFC cards are lifetime free for select customers, usually based on income or bank relationship. Others waive the fee if you spend a minimum amount yearly.
Q4. Can I upgrade my existing HDFC card?
Yes, you can upgrade by contacting customer service or checking upgrade offers in your net banking account.
Q5. What happens if I don’t pay the credit card bill on time?
Late payment can lead to penalties, higher interest rates, and a drop in your credit score.
Final Thoughts
Choosing the right HDFC Bank credit card can make your daily life more convenient and rewarding. From cashback on food and shopping to travel perks like lounge access and free insurance, HDFC has a card for everyone.
Read this article carefully and match the features with your personal needs. Apply wisely, spend responsibly, and enjoy the many benefits these cards offer.
Read Also-HDFC Infinia Bharat Credit Card: A New Premium Offering on RuPay