HDFC Bank credit cards compared
Every active HDFC Bank credit card in the CardMasters catalogue, ordered by recurring annual fee, with the reward rate, caps, exclusions and forex markup that decide real value. CardMasters is independent of HDFC Bank.
HDFC Bank credit cards at a glance
CardMasters tracks 16 active HDFC Bank credit cards, 15 of them with a dated issuer-source check as of 2026-08-01. 1 carry no annual fee, starting with HDFC Bank PIXEL Play. The lowest paid annual fee is ₹499 on PhonePe HDFC Bank Uno. The highest recorded annual fee is ₹12,500 on HDFC Bank Infinia Metal. Approval and final terms remain at HDFC Bank's discretion.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
HDFC Bank PIXEL Play
₹0
1% PIXEL CashPoints on eligible general spends
3.5%
Visa, RuPay
Best suited to: digital native, cashback, first card, lifetime free. Recorded exclusions: fuel, rent, wallet load, emi, govt, cash advance.
Review rewards, caps, fees and issuer evidence →PhonePe HDFC Bank Uno
₹499 + GST
Rewards apply only to issuer-listed PhonePe categories, select online brands and QR Scan & Pay transactions
3.5%
RuPay
Best suited to: phonepe ecosystem, first card, upi credit. Recorded exclusions: fuel, rent, wallet load, emi, gift card, cash advance, credit card bill payment, fees.
Review rewards, caps, fees and issuer evidence →HDFC Bank Freedom
₹500 + GST
1 CashPoint per ₹200 on eligible spends
3.5%
Visa, RuPay
Best suited to: credit builder, first card, low spender. Recorded exclusions: fuel, rent, wallet load, emi, govt, cash advance.
Review rewards, caps, fees and issuer evidence →IRCTC HDFC Bank
₹500 + GST
1 Reward Point per ₹100 on eligible retail spend; value requires IRCTC train-ticket redemption
3.5%
RuPay
Best suited to: train travel, budget traveler. Recorded exclusions: fuel, rent, wallet load, gift card, prepaid card, voucher, cash advance, outstanding balance.
Review rewards, caps, fees and issuer evidence →HDFC Bank MoneyBack+
₹500 + GST
2 CashPoints per ₹200 on eligible spends
3.5%
Visa, RuPay
Best suited to: first card, online shopping, low spender. Recorded exclusions: fuel, rent, wallet load, emi, govt, cash advance.
Review rewards, caps, fees and issuer evidence →Paytm HDFC Bank Credit Card
₹500 + GST
1% CashPoints on eligible retail spend, capped at ₹1,000/month
3.5%
Visa
Best suited to: paytm ecosystem, bills utilities, first card. Recorded exclusions: fuel, rent, wallet load, emi, government, education, gaming.
Review rewards, caps, fees and issuer evidence →Swiggy HDFC
₹500 + GST
1% statement cashback on eligible other-category spend
3.5%
Mastercard
Best suited to: food delivery, online shopping, young professional. Recorded exclusions: fuel, rent, jewellery, government, wallet load, gift card, cash advance.
Review rewards, caps, fees and issuer evidence →HDFC Bank Swiggy Ornge
₹500 + GST
1% in Cashback
3.5%
Mastercard
Best suited to: food delivery, swiggy, cashback. Recorded exclusions: fuel, rent, wallet load, government, gaming, education, jewellery, emi.
Review rewards, caps, fees and issuer evidence →PhonePe HDFC Bank Ultimo
₹999 + GST
1% in Reward Points
3.5%
RuPay
Best suited to: phonepe ecosystem, bills utilities, upi credit. Recorded exclusions: fuel, rent, wallet load, emi.
Review rewards, caps, fees and issuer evidence →HDFC Bank Millennia
₹1,000
1% in CashPoints
3.5%
Visa, Mastercard
Best suited to: online shopping, first card, young professional. Recorded exclusions: fuel, rent, wallet load, emi, government.
Review rewards, caps, fees and issuer evidence →HDFC Bank Swiggy BLCK
₹1,000 + GST
1% in Cashback
3.5%
Mastercard
Best suited to: food delivery, swiggy, cashback. Recorded exclusions: fuel, rent, wallet load, government, gaming, education, jewellery, emi.
Review rewards, caps, fees and issuer evidence →HDFC Bank Tata Neu Infinity
₹1,499 + GST
1.5% back as NeuCoins on eligible non-Tata retail and merchant EMI spends
2%
Visa Signature, RuPay
Best suited to: tata ecosystem, upi rewards, grocery. Recorded exclusions: fuel, rent, wallet load, government, cash advance, fees, gaming, education third party.
Review rewards, caps, fees and issuer evidence →HDFC Bank Regalia Gold
₹2,500 + GST
5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples
2%
Visa Signature, Mastercard
Best suited to: travel, shopping, upper mid spender. Recorded exclusions: fuel, rent, property management, wallet load, easy emi, smart emi, government, gaming.
Review rewards, caps, fees and issuer evidence →Marriott Bonvoy HDFC Bank
₹3,000 + GST
2 Marriott Bonvoy Points per ₹150 on eligible purchases
3.5%
Diners Club
Best suited to: marriott loyalists, hotels, travel. Recorded exclusions: fuel, rent, wallet load, gift card, prepaid card load, voucher, cash advance, government.
Review rewards, caps, fees and issuer evidence →₹10,000 + GST
5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply
2%
Diners Club
Best suited to: travel, high spender, memberships. Recorded exclusions: fuel, rent, wallet load, easy emi, smart emi, education, government.
Review rewards, caps, fees and issuer evidence →HDFC Bank Infinia Metal
₹12,500 + GST
5 Reward Points per ₹150 on eligible retail spend, awarded in complete ₹150 multiples
2%
Visa Infinite, Mastercard World
Best suited to: travel, online shopping, high spender. Recorded exclusions: fuel, rent, property management, wallet load, easy emi, smart emi, government, cash advance.
Review rewards, caps, fees and issuer evidence →HDFC Bank credit card FAQs
How many credit cards does HDFC Bank offer?
CardMasters records 16 active HDFC Bank credit cards in the 2026-08-01 catalogue release, 15 of which have a dated issuer-source verification. Issuers can add, reprice or withdraw cards at any time.
Which HDFC Bank credit card has no annual fee?
HDFC Bank PIXEL Play has no annual fee in the current CardMasters record. Confirm that the fee waiver is lifetime and not a limited-period offer before applying.
Which is the best HDFC Bank credit card?
There is no single best card. Value depends on your spend mix, the cards you already hold, realistic redemption value and approval fit. Compare fee, accelerated categories, caps and exclusions on each HDFC Bank card page, then check the net value against your own wallet.
Is CardMasters affiliated with HDFC Bank?
No. CardMasters is independent, is not a bank or lender, and affiliate commission never affects the ordering or evaluation of any HDFC Bank card. Card approval, credit limit and final pricing rest solely with the issuer.