By Issuer

HDFC Bank Credit Cards

4 cards reviewed · ranked by overall value

#1
HDFC Bank Infinia Metal
super premium

HDFC Bank Infinia Metal

HDFC Bank · Visa

★★★★½ 4.8/5
Annual Fee ₹12,500
Joining Fee ₹12,500
Forex 2% (effective ~2.36%)

Rewards 3.3% base (5 reward points per ₹150 = 1 RP ≈ ₹1); 10X on SmartBuy portal

  • Best reward rate in India for an all-round card — 3.3% effective base
  • Reward points transfer to Air India, Singapore Airlines KrisFlyer, InterMiles, Marriott Bonvoy, Club Vistara (via SmartBuy)
  • Complimentary golf rounds at select courses
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#2
HDFC Diners Club Black
super premium

HDFC Diners Club Black

HDFC Bank · Diners Club

★★★★½ 4.6/5
Annual Fee ₹10,000
Joining Fee ₹10,000
Forex 2%

Rewards 3.3% base; 10X on SmartBuy; 5X on dining

  • Same 3.3% earn rate as Infinia at a lower annual fee
  • Annual memberships (Amazon Prime + Swiggy One + MMT Black + Times Prime) often worth more than the annual fee
  • Diners Club acceptance is improving but still lower than Visa/MC — have a backup card
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#3
HDFC Bank Regalia Gold
premium

HDFC Bank Regalia Gold

HDFC Bank · Visa

★★★★☆ 4.4/5
Annual Fee ₹2,500
Joining Fee ₹2,500
Forex 2%

Rewards 2% base (4 RP per ₹150); 5X on grocery and dining

  • Best sub-₹5K card in India for overall value
  • Reward points transferable to Air India, KrisFlyer, InterMiles, Club Vistara
  • Complimentary Swiggy One membership (3 months)
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#4
HDFC Bank Millennia
mid range

HDFC Bank Millennia

HDFC Bank · Visa

★★★★☆ 4.1/5
Annual Fee ₹1,000
Joining Fee ₹1,000
Forex 3.5%

Rewards 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow; 1% on other spends

  • Best entry-level card for online shopping
  • 5% cashback is paid as CashPoints, redeemable against statement balance
  • No minimum transaction for 5% cashback (unlike some cards)
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