HDFC Credit Cards -
Compare, Features and Reward
HDFC Bank Credit Cards open the door to a world of smart spending and exclusive privileges. From rewards and cashback to premium discounts and complimentary perks, these cards are designed to match every lifestyle. Whether you love travel, shopping, dining, or fuel savings, there’s a perfect card tailored for you. What’s more, HDFC takes it a step further with co-branded cards that unlock accelerated benefits on leading brands like Swiggy, IndianOil, Tata Neu, IndiGo, Marriott Bonvoy, and many more. With HDFC, every swipe is not just a transaction - it’s an opportunity to earn, save and experience more.
|
Card Name |
Annual Fee |
Waiver Conditions |
Reward / Cashback Structure |
Top Benefits |
Ideal For |
|
Regalia Gold |
₹2,500 +
taxes |
Fee
waiver/milestones (may require high spend) |
Good rewards
on partner brands; good retail points overall |
Travel perks,
lounge access, welcome bonuses, flight vouchers |
Travel-/shop-heavy
users |
|
Millenia |
Moderate fee
/ reasonable |
Sometimes
easier milestones for benefits |
High cashback
/ rewards on online / entertainment / e-commerce partners |
Best for
heavy online shoppers |
If you shop
often on partner brands; but may get less if non-partner spends frequent;
caps apply. |
|
MoneyBack+ |
Lower/mid fee |
Might be
lifetime free or waiver with spend |
Cashback /
cashpoints in everyday spend categories, bonus on partner sites |
Good
simplicity; decent return for everyday usage |
Good for
people wanting consistent smaller returns rather than chasing premium perks. |
|
Infinia /
Diners Club Black / Metal |
High fees |
High spend
required (renewal / status) |
Very high
reward multipliers; premium travel / hotel / concierge perks |
Very affluent
users or those who spend big |
Higher fees;
recent reward point caps; some luxury perks may be harder to extract value
from. |
