HDFC Bank is India's largest credit card issuer, with cards from entry-level cashback to the invite-led Infinia. Most HDFC reward cards redeem through its SmartBuy portal, where points are usually worth the most. Here's how every HDFC Bank card we track compares on fees, rewards and yearly value.
| Best for | Card | Est. yearly value |
|---|---|---|
| Best overall (balanced spender) | Swiggy BLCK HDFC Bank | ₹11,760 |
| Best for online shopping | Swiggy BLCK HDFC Bank | ₹17,580 |
| Best for travel | HDFC Bank Diners Club Black Metal | ₹23,142 |
| Best for high spenders | HDFC Bank Diners Club Black Metal | ₹56,891 |
Estimated yearly value after caps, fees (with GST) and forex costs for our standard spending profiles. Use your own spends →
| Fee waiver | Lounge | Best for | Compare | ||||
|---|---|---|---|---|---|---|---|
Swiggy BLCK HDFC Bank HDFC Bank · Mastercard |
₹1,000 | ₹2,00,000 spend | Up to 10% | 3.5% | None | Heavy Swiggy, Instamart and Dineout users | |
Swiggy ORNGE HDFC Bank HDFC Bank · Mastercard |
₹500 | ₹1,50,000 spend | Up to 5% | 3.5% | None | Moderate Swiggy and online spenders who want a low fee | |
HDFC Bank Millennia HDFC Bank · Visa / Mastercard |
₹1,000 | ₹1,00,000 spend | Up to 5% | 3.5% | Domestic lounge access on quarterly spend milestones | Shoppers on Amazon, Flipkart, Swiggy and Zomato | |
IndianOil HDFC Bank HDFC Bank · Mastercard |
₹500 | ₹50,000 spend | Up to 5% | 3.5% | None | Low-cost fuel savings at IndianOil pumps | |
Tata Neu Infinity HDFC Bank HDFC Bank · RuPay / Visa |
₹1,499 | ₹3,00,000 spend | Up to 1.5% | 2% | 8 domestic + 4 international visits a year | Shoppers loyal to Tata brands | |
HDFC Bank MoneyBack+ HDFC Bank · Visa / Mastercard |
₹500 | ₹50,000 spend | Up to 2.5% | 3.5% | None | Low-cost starter card for Amazon, Flipkart and Swiggy | |
HDFC Bank Regalia Gold HDFC Bank · Visa / Mastercard |
₹2,500 | ₹4,00,000 spend | Up to 1.25% | 2% | 12 domestic + 6 international visits a year; domestic access needs ₹60,000 quarterly spend | Mid-level travellers who want lounge access | |
HDFC Bank Diners Club Black Metal HDFC Bank · Diners Club |
₹10,000 | ₹8,00,000 spend | Up to 3.33% | 2% | Unlimited domestic and international lounge access | High spenders who can use Diners Club acceptance | |
HDFC Bank Infinia Metal HDFC Bank · Visa |
₹12,500 | ₹10,00,000 spend | Up to 3.33% | 2% | Unlimited domestic and international lounge access | Very high spenders who want India’s top reward rate |
Devaluation HDFC Bank
Complimentary domestic lounge access now depends on spend in the previous quarter.
Devaluation HDFC Bank
Earn rate changed from 4 points per ₹150 to 5 points per ₹200.
Devaluation HDFC Bank
Partner value-back fell from about 3.3% to 2.5%.
Devaluation HDFC Bank
The UPI route to the 5% rate was closed.
New launch HDFC Bank
BLCK (₹1,000 fee) pays 10% on Swiggy. ORNGE (₹500 fee) pays 5%.
Devaluation HDFC Bank
Redemptions capped at 5 a month. Retention criteria (₹18 lakh yearly spend or ₹50 lakh relationship) announced from 2027.
For a typical balanced spender, Swiggy BLCK HDFC Bank gives the highest estimated yearly value (₹11,760 after fees) among the 9 HDFC Bank cards we track. The best card for you depends on where you spend, so try our credit card finder.
Not among the HDFC Bank cards we track. The cheapest option is Swiggy ORNGE HDFC Bank (₹500 + GST).
Apply on HDFC Bank's official website or app. If you already bank with them, check the app for pre-approved offers first. Check your eligibility with our calculator before applying, since each application is a hard enquiry on your credit report.
Yes. 6 notable changes this year, including: HDFC Regalia Gold: lounge access needs ₹60,000 quarterly spend; HDFC Regalia Gold: reward rate cut. See our changes log for details and sources.