HDFC's best credit cards 2026

Looking to save more on every swipe? Discover the best HDFC credit cards that reward your everyday spending—whether it’s shopping, fuel, travel, or dining. From cashback to premium perks, these cards are designed to match your lifestyle and help you maximize savings. Simply click “Apply Now” to unlock offers that suit your needs.

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HDFC bank revamps stop credit cards

HDFC SHOPPERS STOP CREDIT CARD

  • Earn 3% Reward points on every Shoppers Stop spends (Monthly capping of Rs 500)
  • Earn 1% Reward points on every Non-Shoppers Stop spends (Monthly capping of Rs 1000)
  • Complimentary Shoppers Stop Silver Edge membership worth Rs 350
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HDFC credit cards

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  • Look for your fit and select the one which you feel you need
  • Get exclusive card options from HDFC
  • Wide Range of Rewards Earn cashback, reward points, and exclusive discounts on everyday spends—whether it's groceries, fuel and travel
  • Enjoy fuel surcharge waivers, dining discounts, and EMI conversion options that help you manage expenses while saving more.
Pixel play credit card

HDFC PIXEL PLAY Credit Card

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  • 5% Cashback on choice of any two packs
    – Dining & Entertainment Category – BookMyShow & Zomato
    – Travel Category – MakeMyTrip & Uber
    – Grocery Category – Blinkit & Reliance Smart Bazaar
    – Electronics Category – Croma & Reliance Digital
    – Fashion Category – Nykaa & Myntra
  • 5% Cashback on Smartbuy
  • 3% Cashback on choice of any one E-commerce merchant
    ​​​​​​​- Amazon or Flipkart or PayZapp 
  • 1% Unlimited Cashback across all other spends
  • 1% Cashback on UPI Spends (Applicable only on PIXEL RuPay Credit Card holders)
HDFC BANK UPI RUPAY CREDIT CARD

HDFC Bank UPI RuPay Credit Card

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  • 3% Cashpoints on Groceries, SuperMarket & Dining spends
  • 2% Cashpoints on Utility spends
  • 1% Cashpoints on other spends
  • Avail up to 50 days of interest free period
Marriott Bonvoy hdfc bank credit card

HDFC Marriott Bonvoy Credit Card

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  • 8 Marriott Bonvoy Points/₹150 for Spends at Marriott Hotels
  • p4 Marriott Bonvoy Points/₹150 for Travel, Dining, and Entertainment
  • 2 Marriott Bonvoy Points/₹150 for Other Spends
  • 12 Free International Lounge Visits
  • 12 Complimentary Lounge Access at Both Domestic and International Terminals
  • 2 Complimentary Golf Course Access and 2 Lessons Per Quarter
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Regalia gold credit card

HDFC Regalia Gold Credit Card

  • Complimentary Swiggy One and MMT Black Gold membership as Welcome benefits.
  • ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh
  • Additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs.
  • 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
  • Complimentary lounge access at over 1000 airports
  • 4 Reward Points on every Rs.150 spent (On retail* spends)
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Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

  • 10% Cashback across Swiggy app
  • 5% Cashback on online spends
  • 1% Cashback on other categories
  • Upto 5% cashback on merchants like Uber and Ola
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Indian oil hdfc bank credit card

IndianOil HDFC Bank Credit Card

  • 5% Rewards (FPs) on Spends at IndianOil Outlets
  • 5% Cash reward on Groceries, and Bill Payments.
  • 1% Cashback on other categories including UPI spends

Disclaimer: The credit card offers, rewards, and benefits listed on this page may change at the discretion of HDFC Bank. While we aim to keep all details accurate and updated, we do not guarantee product availability or approval. Cashback rates, fees, and eligibility criteria can vary based on your profile and usage. We may earn a commission when you apply through our links, at no extra cost to you.

🔍 Frequently Asked Questions

Which HDFC credit card is best for cashback?

The HDFC Millennia Credit Card is a top pick for cashback lovers. It offers up to 5% cashback on Amazon, Flipkart, Swiggy, and other popular platforms, with easy redemption and a low annual fee

What is the difference between HDFC Regalia and Infinia credit cards?

  • Regalia: Premium card with travel benefits, lounge access, and 4 reward points per ₹150 spent.

  • Infinia: Ultra-premium card with unlimited lounge access, 10x SmartBuy rewards, and concierge services.

Infinia is invite-only and ideal for high-net-worth individuals

What is the minimum salary required for an HDFC credit card?

Most entry-level HDFC cards require a minimum monthly income of ₹25,000. Premium cards like Regalia or Diners Club may need ₹75,000 or more. Self-employed applicants should provide ITR documents for the last two years

How can I get the annual fee waived on my HDFC credit card?

Many HDFC cards offer fee waivers if you meet annual spending thresholds. For example, the Millennia card waives the ₹1,000 fee if you spend ₹1 lakh in a year

Can I convert HDFC credit card purchases into EMIs?

Yes, HDFC allows EMI conversion for eligible transactions via NetBanking, the HDFC app, or customer care. You can choose tenure and interest rate. Some cards offer no-cost EMI during special offers

What credit score is required for HDFC credit card approval?

A CIBIL score of 750+ is ideal for premium cards. Applicants with scores above 700 may still qualify for basic cards like MoneyBack or EasyEMI

How can I increase my HDFC credit card limit?

You can request a credit limit increase after 6–12 months of consistent usage and timely payments. Use NetBanking or call customer care to submit your request

Which HDFC credit cards offer travel benefits?

Cards like Regalia, Infinia, and Diners Club Privilege offer airport lounge access, travel insurance, and hotel discounts. These are ideal for frequent flyers and luxury travelers

How do I cancel my HDFC credit card?

To cancel your card, call HDFC customer care or send a written request. Ensure all dues are cleared and recent transactions are settled before initiating cancellation

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