Best HDFC Credit Card 2022
List of Best Credit Card HDFC Bank Category wise
- HDFC Bank INFINIA Credit Card Metal Edition
- HDFC Bank Diners Club Black Credit Card
- HDFC Bank Regalia Credit Card
- HDFC Bank Millennia Credit Card
- HDFC Bank Money Back Plus Credit Card
- IndianOil HDFC Credit Card
- HDFC Bank (ISIC Student) ForexPlus Card
Credit Card Name | Category | Annual Fee (INR) | Best Features |
---|---|---|---|
INFINIA Credit Card Metal Edition | Super Premium/ Dining/ Lifestyle | 1000 | 25% off at 2000+ premium restaurants, stay for 3-nights and pay for two at participating ITC hotels, 20% discounts for Dining and Stay across Asia |
Diners Club Black Credit Card | Premium/ Travel/ Lifestyle | 1000 | Annual memberships of Club Marriott/ Forbes/ Amazon Prime/ MMT BLACK , Unlimited Airport lounge access, Air accident insurance cover worth Rs 2 crore, Travel Insurance Cover of up to INR 55,000 |
Regalia Credit Card | Reward | 2500 | 10,000 Reward Points on Rs. 5 lakhs spends, 12 Complimentary Domestic Lounge Access |
Millennia Credit Card | Shopping | 1000 | 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy |
Money Back Plus Credit Card | Cashback | 500 | 10X Cash Points on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy |
IndianOil Credit Card | Fuel | 500 | 5% cashback on IndianOil. 5% of your spends as Fuel Points on Groceries and Bill Payments |
ISIC Student- ForexPlus Card | Student | NIL | Most widely accepted currencies – USD, Euro and GBP, Instantly reload your card from anywhere through Prepaid/ NetBanking, Be protected from skimming and misuse with the EVM chip |
7. HDFC Bank (ISIC Student) ForexPlus Card

ISIC Student ForexPlus Card
No joining and annual fees.
Forex
- Available in the three most widely accepted currencies – USD, Euro and GBP
- Get money from ATMs in the desired local currency during travel
- Once loaded, be worry-free about forex fluctuations in these currencies
Reloading
Instantly reload your card from anywhere across the world through Prepaid NetBanking
Safety
- Be protected from skimming and misuse with the EVM chip in your card
- Do not stress about damage, loss or misuse (as with travellers cheque/cash)
Global use
- Accepted as student identity card world wide
- Can be used at VISA/MasterCard affiliated establishments around the world
Global assistance
- In the event of Loss of Card / card not working, get Emergency Cash delivery assistance service across the globe
- ISIC ForexPlus Card application form
- Aadhaar Card
- Appointment Letter / Admission Letter / University Identity Card
- A photocopy of your passport
- Scanned passport size photograph with white background
- Residence Proof (Aadhaar Card/ Passport/ Driving License/Electricity Bill/Telephone Bill)
- Education Loan Account Statement
- Fixed Deposit Account Receipt
- Passport Size Photograph
- Student ID Card
Schedule of charges | Charge for the USD Card | Charge on the EURO card | Charge on the GBP card |
Issuance Fee | ₹.300 | Rs.300 | Rs.300 |
Reload Fee | ₹.75 | Rs.75 | Rs.75 |
Re-issue Card Fee | ₹.100 | Rs.100 | Rs.100 |
ATM Cash Withdrawal | USD 2.00 | EUR 1.50 | GBP 1.00 |
ATM Cash Withdrawal | USD 2.00 | EUR 0.50 | GBP 0.50 |
GST is applicable
Other charges
Balance Enquiry | USD 0.50 |
Up to Rs 1 lakh | 0.18% of the gross value or Rs 45—whichever is higher |
Rs 1 lakh – Rs 10 lakhs | Rs 180 + 0.09% of the amount exceeding Rs. 1 lakh |
> Rs. 10 lakhs | Rs. 990 + 0.018% of the amount exceeding Rs. 10 lakhs |
6. IndianOil HDFC Credit Card

IndianOil HDFC Credit Card
Joining and Annual fees- ₹500
Reward-Fuel Points
- 5% off your spends as Fuel Points at IndianOil outlets (Max 250 Fuel Points per month in first 6 months, Max 150 Fuel Points last 6 months)
- 5% off your spends as Fuel Points on Groceries and Bill Payments (Max 100 Fuel Points per month)
- 1 Fuel Point for every ₹150 spent on all other purchases
- (1 Fuel Point = Rs. 0.96)
- (Fuel Points are valid for a period of 2 years)
Fuel Surcharge Waiver
- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400)
Best Features
- Earn up to 50 Litres of Free fuel annually
Additional Benifits
- Complimentary IndianOil XTRAREWARDS Program (IXRP) membership
- You should be between the age of 21 to 60 years Salaried Person
- You should be between the age of 21 to 65 years self-employed Person
- Salaried or self-employed both are eligible
- Salaried person gross Income above ₹10,000 per month
- Self-employed gross Income ₹6 Lakhs per annum
- Joining & Renewal Fees – ₹500+ Taxes
- Spend ₹50,000 or above in the first year and get a waiver on the renewal membership fee
5. HDFC Bank Money Back Plus Credit Card

Money Back Plus Credit Card
Joining and Annual fees- ₹500
Earn Cashback
- 10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
- 5X CashPoints on EMI spends at merchant locations
- 2 CashPoints per ₹150 spent on other spends
Welcome Gift
- 500 Cash Points (only on payment of membership fee)
Gift Vouchers
- Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
- ₹2,000 worth gift vouchers in a year
Fuel Surcharge Waiver
- 1% fuel surcharge waiver at all fuel stations (Minimum transaction of ₹400, Maximum transaction of ₹5,000
Dining benefits
- Upto 15% off at 2000+ premium restaurants in select cities
Extra Features
- Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
- 50 days of interest free period
- You should be between the age of 21 to 70 years
- Salaried or self-employed both are eligible
- Salaried person Gross Monthly Income above ₹20,000
- Self-employed gross Income ₹6.0 Lakhs per annum
- Joining & Renewal Fees – ₹500+ Taxes
- Spend ₹50,000 or more in a year, before your Credit Card renewal date, get your renewal fee waived of
4. HDFC Bank Millennia Credit Card

Millennia Credit Card
Joining and Annual fees- ₹1000
Earn Cashback
-
- 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000)
- 2.5% CashBack on all online spends (minimum transaction size of ₹2000)
- 1% CashBack on all offline spends and Wallet reloads (minimum transaction size of ₹100)
Welcome Gift
-
- 1000 Cash Points (only on payment of membership fee)
- 1000 worth gift vouchers on spends of ₹1,00,000 and above (quarter, first year only)
Fuel Surcharge Waiver
-
- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400
- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400
Lounge Access
-
- 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access)
- 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access)
Milestone Benefit
-
- Spend ₹30000 & above in the first 90 days and get first year waived off memebership fee
- Spend ₹30000 & above in the first 90 days and get first year waived off memebership fee
Extra Features
- Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
- 50 days of interest free period
- You should be between the age of 21 to 60 years Salaried Person
- You should be between the age of 21 to 65 years self-employed Person
- Salaried or self-employed both are eligible
- Salaried person Gross Monthly Income above ₹25,000
- Self-employed gross Income ₹6.0 Lakhs per annum
- Joining & Renewal Fees – ₹1000+ Applicable Taxes
- Spend ₹1,00,000 in a year, before your Credit Card renewal date, get your renewal fee waived off
3. HDFC Bank Regalia Credit Card

Regalia Credit Card
Joining and Annual fees- ₹2500
Reward points
-
- 10,000 Reward Points on Rs. 5 lakhs spends
- 5,000 Reward Points on Rs. 8 lakhs spends in an anniversary year
- 4 Reward Points on every Rs.150 spent
Dining Benefit
-
- Assured flat 25% off at 2000+ premium restaurants
- 1+1 on buffet at 200+ restaurants
- Additional 5% off and Zero convenience fee
Fuel Surcharge Waiver
-
- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400
- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400
Lounge Access
-
- 12 Complimentary Domestic Lounge Access per calendar year
- Swipe your Regalia credit card at the lounge to avail the complimentary lounge access
Milestone Benefit
-
- Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
- Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year
Extra Features
- Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
- 2% on all your foreign currency spends
Insurance/ protection cover
- Accidental air death cover worth Rs. 1 Crore
- Emergency overseas hospitalization: up to Rs. 15 lakhs
- Lost Card Liability Cover : Upto Rs 9 lakhs
- You should be between the age of 21 to 60 years Salaried Person
- You should be between the age of 21 to 65 years self-employed Person
- Salaried or self-employed both are eligible
- Salaried person gross Income above ₹1 Lakhs per month
- Self-employed gross Income ₹12 Lakhs per annum
- Joining & Renewal Fees – ₹2500+ Taxes
-
Renewal fee waived off if you spend more than 3L in the previous year
2. HDFC Bank Diners Club Black Credit Card

Diners Club Black Credit Card
Joining and Annual fees- ₹10000
Reward points
-
- 5 Reward Points for every Rs 150 spent
- Up to 10X Reward Points via SmartBuy
Welcome Benefit
- Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime by spending 1.5 lakhs within the first 90 days or upon first year
Dining Benefit
-
- 2X on weekend dining
- 2X on weekend dining
Fuel Surcharge Waiver
-
- 1% fuel surcharge waiver at all fuel stations across India
- 1% fuel surcharge waiver at all fuel stations across India
Lounge Access
-
- Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
- Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
Milestone Benefit
-
- 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
- 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
Extra Features
- Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
- 1.99% on all your foreign currency spends
-
Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime
- Complimentary Ola cabs, cult.fit Live, BookMyShow, TataCliQ vouchers on spends of over Rs. 80,000 every month
Insurance/ protection cover
- Air accident insurance cover worth Rs 2 crore
- Emergency overseas hospitalisation: Rs. 50 Lacs
- Travel Insurance Cover of up to INR 55,000 on baggage delay
- Credit Liability Cover of up to ₹9 Lakh
- You should be between the age of 21 to 60 years Salaried Person
- You should be between the age of 21 to 65 years self-employed Person
- Salaried or self-employed both are eligible
- Salaried person gross Income ₹1.75 Lakhs per month
- Self-employed gross Income ₹21 Lakhs per annum
- Joining & Renewal Fees – ₹10,000
- Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year
1. HDFC Bank INFINIA Credit Card Metal Edition

INFINIA Credit Card Metal Edition
Joining and Annual fees- ₹1000
Good Food Trail Program
-
- Assured flat 25% off at 2000+ premium restaurants
- 1+1 on buffet at 200+ restaurants
- 1+1 on Food / Drinks on select restaurants
- Zero convenience fee
- Early access to events and festivals such as GIRF
Welcome Benefit
- Get welcome benefit of 12,500 reward points upon fee realisation and card activation
- Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region
Dining Benefit
-
- Book stay for 3-nights and pay for two at participating ITC hotels
- 1+1 complimentary weekend buffet at participating ITC hotels
Fuel Surcharge Waiver
-
- 1% fuel surcharge waiver at all fuel stations across India
- 1% fuel surcharge waiver at all fuel stations across India
Lounge Access
-
- Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.
- Benefit also available for add on Priority Pass holders
Concierge
-
- Golf Booking
- Itinerary planning and reservation assistance
- Private dining assistance
- International gift delivery
- Event planning and referrals
- Airport VIP service
Extra Features
- Complimentary Club Marriott membership for first year that offers up to 20% discounts for Dining and stay across Asia – Pacific region
- Renewal benefit 12,500 Reward Points upon fee realisation and card activation
- Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
- 2% on all your foreign currency spends
- 50 days of interest free period
- Membership for the HDFC Bank Infinia Credit Card is By Invite Only
- Joining & Renewal Fees – ₹12,000 + Applicable Taxes
- Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year