Credit Cards · Bank review
HDFC Bank Credit Cards
HDFC Bank is India's largest credit-card issuer by number of cards in force. Its portfolio spans entry-level to super-premium, with strong reward programmes and airport lounge access at higher tiers.
By FinancePaisa Editorial Team · Research & editorialUpdated · 1 min read
- Interest rate
- Up to 3.75% a month (45% a year) on most cards
- Loan amount
- ₹5,000 to ₹50 lakh (card limit)
- Tenure
- Revolving
- Processing fee
- ₹500 to ₹12,500 (annual fee)
On this page (4 sections)
Popular HDFC credit cards
| Card | Annual fee | Best for |
|---|---|---|
| Millennia | ₹1,000 (waived on ₹1 lakh spend) | Online shopping cashback |
| MoneyBack+ | ₹500 (waived on ₹50,000 spend) | Everyday spends |
| Regalia Gold | ₹2,500 | Travel & lifestyle |
| Diners Club Black | ₹10,000 | Premium travel & concierge |
| Infinia | ₹12,500 | Super-premium unlimited lounge |
Millennia
- Annual fee
- ₹1,000 (waived on ₹1 lakh spend)
- Best for
- Online shopping cashback
MoneyBack+
- Annual fee
- ₹500 (waived on ₹50,000 spend)
- Best for
- Everyday spends
Regalia Gold
- Annual fee
- ₹2,500
- Best for
- Travel & lifestyle
Diners Club Black
- Annual fee
- ₹10,000
- Best for
- Premium travel & concierge
Infinia
- Annual fee
- ₹12,500
- Best for
- Super-premium unlimited lounge
Common features across HDFC cards
- Up to 50 days interest-free credit
- Fuel surcharge waiver at all pumps in India
- EMI conversion on eligible transactions
- SmartBuy platform for accelerated rewards
- Insurance cover against lost or stolen card
Charges to know
| Charge | Amount |
|---|---|
| Finance charges | Up to 3.75% a month (45% a year) on most cards; lower on some premium cards |
| Late payment fee | ₹100 to ₹1,300 based on outstanding |
| Cash advance fee | 2.5% of amount (min ₹500) |
| Foreign currency mark-up | 3.5% (2% on Infinia) |
| Over-limit charge | 2.5% of over-limit amount |
Finance charges
- Amount
- Up to 3.75% a month (45% a year) on most cards; lower on some premium cards
Late payment fee
- Amount
- ₹100 to ₹1,300 based on outstanding
Cash advance fee
- Amount
- 2.5% of amount (min ₹500)
Foreign currency mark-up
- Amount
- 3.5% (2% on Infinia)
Over-limit charge
- Amount
- 2.5% of over-limit amount
Frequently asked questions
How do I get my HDFC annual fee waived?
Each card has a spend milestone - typically ₹50,000 to ₹1.5 lakh in the previous card anniversary year - beyond which the annual fee is auto-waived.
Is HDFC Infinia invitation-only?
Yes. It is issued to select HDFC private-banking customers or high-income applicants meeting internal criteria.
How fast is HDFC card approval?
For pre-approved customers, instant. For new-to-bank applicants, typically 5-10 working days including physical card delivery.
Advertisement