Best HDFC Bank Credit Cards
HDFC Bank is the largest private bank in India by assets and market value, making it one of the most trusted names in the financial sector. Based in Mumbai, the bank has grown to become a leading credit card issuer, with over 2.13 crore active credit cards as of June 2024. It is also the first bank in India to cross the two-crore mark in credit cardholders. Offering a variety of HDFC Bank Credit Cards, the bank caters to different spending needs, including rewards, cashback, shopping, and travel. With around 35 credit card options, including business cards, HDFC helps customers save money while enjoying exclusive benefits. The bank's reputation for quality service and valuable offers makes it a preferred choice among credit card users.
One of the key reasons for the popularity of HDFC Bank Credit Cards is the great deals and discounts they provide, especially with well-known brands like Apple. Whether you are looking for a card for everyday spending, business purchases, or travel perks, HDFC has an option for you. Customers can enjoy benefits like reward points, lounge access, and cashback on select purchases. With so many choices available, finding the right card can be overwhelming. This article will explore the best HDFC Bank Credit Cards in India, helping you pick the one that suits your financial needs.
List of Top HDFC Bank Credit Cards in India
With so many HDFC Bank Credit Cards available, choosing the right one can be difficult. To make it easier, we’ve listed the top options with their features, fees, and benefits so you can find the best card for your needs.
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Dining | Food
Reward Type
Cashback
Welcome Benefits
Get 3 months of Swiggy One membership for free as a welcome benefit. It offers perks like free deliveries and discounts.
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Joining Fee
Rs. 12500.00 +GST
Renewal Fee
Rs. 12500.00 +GST
Best Suited For
Travel | Dining | Shopping
Reward Type
Reward Points
Welcome Benefits
You get a free Club Marriott membership for the first year. If there's a joining fee, you'll receive 12,500 reward points.
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Joining Fee
Rs. 1499.00 +GST
Renewal Fee
Rs. 1499.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Gift of 1,499 NeuCoins.
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Joining Fee
Rs. 2500.00 +GST
Renewal Fee
Rs. 2500.00 +GST
Best Suited For
Travel | Shopping | Movies
Reward Type
Reward Points
Welcome Benefits
Get 2,500 bonus Reward points
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Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
You get 1,000 Reward Points when you pay the annual fee.
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
You receive 500 CashPoints as a welcome gift
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get 500 CashPoints
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get 500 Cash Points when you pay the membership fee. In the first year, if you spend Rs.1,00,000 or more in a calendar quarter, you’ll receive Rs.1,000 worth of gift vouchers.
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
N/A
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
A free health checkup package from Thyrocare.
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping | Cashback
Reward Type
Reward Points
Welcome Benefits
N/A
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Shopping | Movies | Dining
Reward Type
Reward Points
Welcome Benefits
You get a free Times Prime membership for a year and Rs. 5000 worth of e-vouchers.
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping | Movies | Dining
Reward Type
Reward Points
Welcome Benefits
Free Times Prime Membership and Rs. 5000 in E-Vouchers.
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Joining Fee
Rs. 2500.00 +GST
Renewal Fee
Rs. 2500.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get a ₹2,500 gift voucher. Plus, enjoy free MMTBLACK Gold and Swiggy One memberships when you spend over ₹1 lakh.
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Joining Fee
Rs. 2500.00 +GST
Renewal Fee
Rs. 2500.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
You will receive 2,500 reward points as a welcome bonus when you get the card.
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Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Shopping | Dining
Reward Type
Reward Points
Welcome Benefits
Get 1,000 reward points as a welcome gift when you get the card and another 1,000 points every year upon renewal.
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Joining Fee
Rs. 250.00 +GST
Renewal Fee
Rs. 250.00 +GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
N/A
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping | Dining
Reward Type
Cashback
Welcome Benefits
N/A
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Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
The HDFC Paytm Select Credit Card comes with a special welcome benefit—Paytm First Membership, a premium rewards and loyalty program for Paytm users. To get this benefit, you just need to make at least one transaction of ₹100.
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Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
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Joining Fee
Rs. 5000.00 +GST
Renewal Fee
Rs. 5000.00 +GST
Best Suited For
Travel | Dining
Reward Type
Reward Points
Welcome Benefits
Free Gold Membership plus 25,000 bonus InterMiles.
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Joining Fee
Rs. 10000.00 +GST
Renewal Fee
Rs. 10000.00 +GST
Best Suited For
Travel | Dining
Reward Type
Reward Points
Welcome Benefits
Spend Rs. 1.5 lakh in the first 90 days or pay the first-year fee to get free memberships to Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite, and a three-month Swiggy One. These memberships will renew each year if you spend Rs. 8 lakh annually.
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Joining Fee
Rs. 4500.00 +GST
Renewal Fee
Rs. 4500.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
You get a free First Citizen BLACK membership along with a ₹1,500 Shoppers Stop voucher. The voucher can be used after spending ₹5,000 on Private Label brands.
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Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Movies | Travel | Dining
Reward Type
Reward Points
Welcome Benefits
Get free Swiggy One and Times Prime memberships by spending ₹75,000 within the first 90 days with the HDFC Bank Diners Club Privilege Credit Card.
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Joining Fee
Rs. 1500.00 +GST
Renewal Fee
Rs. 1500.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get a free IndiGo flight voucher worth ₹3,000 when you make at least 3 purchases each month for the first 3 months after getting your card.
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
You get a free flight ticket voucher worth ₹1,500 and a 6E Prime add-on (worth ₹1,099) that includes priority check-in, seat selection, and a free meal.
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Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
1,000 CashPoints as a Welcome Benefit.
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Joining Fee
Rs. 99.00 +GST
Renewal Fee
Rs. 99.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Travel | Dining | Shopping
Reward Type
Reward Points
Welcome Benefits
Get 500 Cash Points as a welcome and renewal bonus when you pay the joining or renewal fee.
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Gift of 499 NeuCoins.
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Joining Fee
Rs. 2500.00 +GST
Renewal Fee
Rs. 2500.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Free InterMiles Silver Membership plus 8,000 bonus InterMiles.
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Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
You get 1,000 Reward Points when you join, helping you start earning right away. Plus, you receive another 1,000 points every year when you renew your card by paying the annual fee.
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Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Travel | International Spends
Reward Type
N/A
Welcome Benefits
N/A
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Travel | International Spends
Reward Type
N/A
Welcome Benefits
Load $750 or more to get an Amazon voucher up to Rs. 1,000. Loading $1,000 waives the issuance fee. You also get a 20 paise better exchange rate when reloading online.
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Travel | Fuel
Reward Type
Reward
Welcome Benefits
A welcome gift voucher worth INR 500 will be provided upon card activation.
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Joining Fee
Rs. 299.00 +GST
Renewal Fee
Rs. 299.00 +GST
Best Suited For
Shopping | Fuel
Reward Type
Reward Points
Welcome Benefits
Rs 500 worth of Shoppers Stop voucher from Shoppers Stop, redeemable on any transaction at Shoppers Stop store by displaying the message during payment.
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Joining Fee
Rs. 3000.00 +GST
Renewal Fee
Rs. 3000.00 +GST
Best Suited For
Travel | Hotel
Reward Type
Reward Points
Welcome Benefits
1 Free Night Award valid for 1 year at hotels participating in the Marriott Bonvoy program
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Joining Fee
Rs. 10000.00 +GST
Renewal Fee
Rs. 10000.00 +GST
Best Suited For
Shopping | Travel | Food
Reward Type
Reward Points
Welcome Benefits
Get a 3-month Swiggy One membership, yearly access to Club Marriott, MMT Black, Amazon Prime, Forbes, and a ₹2,500 Harley-Davidson gift card as a welcome gift when you spend ₹1.5 lakh within the first 90 days of getting the card.
HDFC Credit Card Features and Benefits
HDFC Bank Credit Cards offer various advantages, making your spending more rewarding. Besides earning rewards, you get exclusive perks like travel benefits, entertainment discounts, and cashback offers.
- Welcome Benefits: Get free memberships, bonus reward points, and gift vouchers upon activation, usually after the joining fee is paid.
- Rewards and Cashback: Earn reward points, cashback, or InterMiles on transactions. Some cards offer higher rewards for specific categories like dining and shopping.
- Milestone Benefits: Receive additional rewards such as bonus points, cashback, and vouchers when you meet spending targets.
- Travel Benefits: Enjoy complimentary airport lounge access, airline/hotel memberships, and exclusive travel discounts.
- Movie & Dining Benefits: Get free movie tickets, discounts on bookings, and dining perks like EazyDiner Prime and Swiggy One membership.
Eligibility Criteria for HDFC Bank Credit Cards
- Primary cardholder must be at least 21 years old.
- Add-on cardholders must be 18 years or older.
- A stable source of income is required.
- A good credit score improves approval chances.
Documents Required
Applicants must submit identity, address, and income proof:
- Identity Proof: PAN card, Aadhaar card, Voter ID, Passport, Driving License.
- Address Proof: Aadhaar Card, Passport, Voter ID, Driving License, Utility Bills.
- Income Proof: Salary Slips, Audited Income Tax Returns (ITR).
How to Apply for an HDFC Bank Credit Card Online
- Compare different HDFC Credit Cards on the RatingOK website.
- Select the most suitable card.
- Click "Apply Now" for the chosen card.
- Fill in the required details.
- The bank will review your application and send the card upon approval.
How to Activate Your HDFC Bank Credit Card
Once you receive your card, activate it using one of the following methods:
- Internet Banking: Log in to HDFC Net Banking, navigate to the "Requests" section under "Credit Cards", and activate your card.
- Customer Care: Call HDFC Credit Card customer service for activation assistance.
- ATM Activation: Visit an HDFC ATM, insert the card, and select "Credit Card Activation/PIN Generation". Verify using OTP sent to your registered number.
How to Register for HDFC Credit Card Net Banking
- Visit the HDFC Bank official website.
- Navigate to "Ways to Bank" and select "Online Banking".
- Click on "Credit Card Net Banking".
- Select "Register Online" and provide the necessary details.
- Complete registration to manage your card online.
HDFC Credit Card Customer Care
For any issues or queries regarding your credit card, you can contact HDFC support through:
- Phone: Call 1800 202 6161 (Available 24/7).
- Email: Send queries to customerservices.cards@hdfcbank.com.