7 HDFC Bank cards are listed on CardSparrow. Our highest-rated pick right now is the HDFC Regalia Gold Credit Card, and the cheapest to hold is the Swiggy HDFC Bank Credit Card (₹500 + GST a year).
Official siteHDFC Bank is India's largest card issuer by cards in force and the one most people start with. Its range runs from the ₹500 MoneyBack+ to the invitation-only Infinia, with Millennia and Regalia Gold the two cards we recommend most often in the middle.
What to know: HDFC's reward points are worth the most when redeemed on the SmartBuy portal for flights and hotels (₹1 per point on Regalia Gold and above, ₹0.50 on Millennia) and much less on merchandise. Lounge access on mid-range cards needs ₹1 lakh of spending in the previous quarter. Approval is noticeably easier for customers with an HDFC salary account; others should expect a request for ITRs. The bank devalues reward programmes periodically, so check the date on each card page.
7 cards found
Best for premium travel & lifestyle
4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.
Best for everyday online spends
5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.
Best for ultra-premium invite-only
5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.
Best for tata brands & upi
5% NeuCoins on Tata Neu and Tata brands (BigBasket, Croma, Westside, Air India), 1.5% on UPI and everything else.
Best for food delivery lovers
10% cashback on Swiggy, Instamart, Dineout and Genie, 5% on Amazon, Flipkart, Myntra and more, 1% elsewhere.
Best for small businesses & gst payments
5X points on business spends like GST, tax, vendor and utility payments, 16 lounge visits and 55-day interest-free credit.
Best for beginners on hdfc
10X CashPoints on Amazon, Flipkart, BigBasket, Swiggy and Reliance Smart, 2 CashPoints per ₹150 elsewhere, ₹500 quarterly voucher.