HDFC Bank credit cards
We cover 11 HDFC Bank cards. Annual fees range from ₹499 to ₹12,500.
At a glance
- 10 cards are currently offered (open, invite-only or waitlisted), 1 discontinued.
- No card in our data is free of an annual fee.
- 4 include domestic airport lounge visits (check the spend conditions).
- 10 of 11 are high confidence (key figures confirmed in the issuer's own documents); the rest are partly verified.
- For a metro salaried spending profile (₹60,000 a month) the top open HDFC Bank cards by net yearly value are Swiggy BLCK HDFC Bank, Swiggy Ornge HDFC Bank, HDFC Regalia Gold.
All HDFC Bank cards, ranked
Ranked by estimated net yearly value for a metro salaried profile (₹60,000 a month across typical categories; assumptions on the methodology page). Your spending mix will change the order; the calculator uses your own numbers.
| Card | Annual fee | Net a year | Headline rate | Status | Data |
|---|---|---|---|---|---|
| Swiggy BLCK HDFC Bank | ₹1,000 | ₹19,008 | 1% base, up to 5% on Amazon/Flipkart, 10% at partners, capped | open | Official docs |
| Swiggy Ornge HDFC Bank | ₹500 | ₹15,648 | 1% base, up to 5% on Amazon/Flipkart | open | Official docs |
| HDFC Regalia Gold | ₹2,500 | ₹14,620 | 1.25% base, 6.25% at partners, capped | open | Partly verified |
| HDFC Millennia | ₹1,000 | ₹14,504 | 1% base, up to 5% on Amazon/Flipkart | open | Official docs |
| HDFC Diners Club Black Metal | ₹10,000 | ₹12,378 | 3.33% base, 16.67% at partners or via portal, capped | invite-only | Official docs |
| Tata Neu Infinity HDFC Bank | ₹1,499 | ₹12,180 | 1.5% base, 5% at partners, capped | open | Official docs |
| HDFC PIXEL Play | ₹500 | ₹10,776 | 1% base, 5% at partners or via portal, capped | open | Official docs |
| HDFC Infinia Metal | ₹12,500 | ₹9,878 | 3.33% base, 16.67% at partners or via portal, capped | invite-only | Official docs |
| Tata Neu Plus HDFC Bank | ₹499 | ₹7,620 | 1% base, 2% at partners, capped | open | Official docs |
| IndianOil HDFC Bank | ₹500 | ₹7,221 | 0.64% base, up to 4.8% on groceries | open | Official docs |
| Swiggy HDFC Bank | ₹500 | n/a | 1% base, 10% at partners, capped | discontinued |
Which HDFC Bank card suits whom
Swiggy BLCK HDFC Bank (₹1,000 a year)
Worth it mainly if you order on Swiggy regularly: 10% on Swiggy food, Instamart and Dineout (₹1,500 cashback cap a billing cycle, ₹249 minimum order), plus 5% on Amazon, Flipkart and a list of other online merchants that share a separate ₹1,500 cap. Eligibility as stated: Not stated on the retrieved official page text (page header lists a Salaried section only).
Swiggy Ornge HDFC Bank (₹500 a year)
The lower-cost sibling of BLCK: ₹500 a year, waived at ₹1.5 lakh, and 5% rather than 10% on Swiggy. Eligibility as stated: Salaried: Indian, age 21-60, net monthly income above ₹20,000. Self-employed: Indian, age 21-65, annual ITR above ₹6 lakh (official page).
HDFC Regalia Gold (₹2,500 a year)
A mid-premium travel card with a ₹2,500 fee waived at ₹4 lakh. Eligibility as stated: Per CardExpress: salaried age 21-60 with net income above ₹1 lakh (govt) / ₹1.5 lakh per month (others); self-employed 21-65 with ITR above ₹18 lakh. Bank decides.
HDFC Millennia (₹1,000 a year)
The 5% rate is limited to ten named merchants and a 1,000 CashPoints monthly cap, and the 1% base is capped too. Eligibility as stated: CardExpress: age 21-40; salaried net income above ₹35,000 per month; self-employed ITR above ₹6 lakh.
HDFC Diners Club Black Metal (₹10,000 a year)
A premium, invite-only card whose value comes from HDFC SmartBuy multipliers (5X on flights, 10X on hotels, 3X on vouchers, with a 10,000-point monthly cap on accelerated earning), a 10,000-point bonus for each ₹4 lakh spent in a quarter, and unlimited lounge access. Eligibility as stated: CardExpress: salaried 21-60 with net income above ₹2.5 lakh per month; self-employed 21-65 with income above ₹30 lakh. Invite-led.
Tata Neu Infinity HDFC Bank (₹1,499 a year)
Worth considering if you shop with Tata brands: 5% NeuCoins at Tata Neu and partner brands (non-EMI), 1.5% on other non-UPI spends, and a lower UPI rate (0.5% on the card, plus 1% through a Tata Neu UPI ID, capped at 500 NeuCoins a month). Eligibility as stated: Salaried 21-60 with ₹1 lakh monthly income; self-employed 21-65 with ₹12 lakh annual income.
HDFC PIXEL Play (₹500 a year)
A customisable card: pick one platform among PayZapp, Amazon and Flipkart for 3% and two merchant packs for 5%, plus 5% on SmartBuy bookings and 1% elsewhere.
HDFC Infinia Metal (₹12,500 a year)
An invite-only card for very high spenders. Eligibility as stated: Invite only. HDFC's MITC says that from 1 April 2026 keeping the card needs ₹18 lakh of spend (primary plus add-on) or ₹50 lakh of relationship value per financial year.
Tata Neu Plus HDFC Bank (₹499 a year)
The lower-fee Tata Neu card: ₹499, waived at ₹1 lakh a year. Eligibility as stated: Salaried: age 21-60, monthly income ₹25,000. Self-employed: age 21-65, ITR above ₹6 lakh (official product page).
IndianOil HDFC Bank (₹500 a year)
For IndianOil pump users: 5% in Fuel Points at IndianOil outlets, capped at 150 points a month (250 in the first six months), plus 5% on groceries and on utilities, each capped at 100 points a month, and 1 point per ₹150 on everything else with no cap. Eligibility as stated: Salaried: age 21-60, net monthly income above ₹12,000. Self-employed: age 21-65, ITR above ₹6 lakh (official product page).
What these cards share, and where they differ
HDFC's cards fall into three families. The cashback cards (Millennia, PIXEL Play, Swiggy ORNGE and BLCK) pay a stated rupee return with monthly caps; the points cards (Regalia Gold, Infinia, Diners Black, Tata Neu) pay reward points whose rupee value depends on how you redeem; and the co-brand fuel card is IndianOil HDFC. The two Swiggy cards are a pair: BLCK pays 10% on the Swiggy app against ORNGE's 5% for a ₹1,000 fee instead of ₹500 (see the comparison), and the original Swiggy HDFC Bank card is being phased out, with holders migrated to ORNGE or BLCK.
Terms shared across the range, from HDFC's MITC (version 4.17) and cardholder notices: late payment fees in bands from ₹100 to ₹1,300, finance charges of 3.75% a month, a cash advance fee of 2.5% or ₹500 (not on Infinia), a minimum amount due of 5% from June 2025, and 1% fees on rent, on utilities above ₹50,000 a month, on fuel transactions above ₹15,000 and on wallet loads above ₹10,000 a month. From 15 May 2026 several points cards earn per ₹200 instead of ₹150, and the markup on rupee transactions abroad is 1.75%. Details are in minimum amount due compared and the category fees guide.
Reported rule changes
- 15 May 2026: HDFC Regalia Gold: base earn rate, lounge condition and Boarding Edge official