₹2,500
Annual Fee
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Reward Rate
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Best for: premium spends
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44 cards compared · Updated August 2026 · Zero ads, zero bias
HDFC Bank offers 44 credit cards on OnePaisa, from 1 lifetime-free option to premium cards, with annual fees from ₹0. Every card is compared on reward rate, fees and welcome benefit from MITC-sourced data — updated August 2026.
Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer
Best for: premium spends
Best for: premium spends
Best for: InterMiles spends
Best for: travel spends
Best for: premium rewards with zero annual cost
Best for: lifestyle spends
Best for: rewards spends
Best for: travel spends
Best for: cashback rewards with zero annual fee
Best for: lifetime free spends
Best for: upi rewards without the premium price tag
Best for: lifestyle spends
Best for: everyday rewards without premium frills
Best for: premium spends
Best for: earn 5% on every train ticket booked
Best for: cashback spends
Best for: hassle-free rewards, zero annual cost
Best for: fuel rewards at zero annual cost
Best for: InterMiles spends
Best for: InterMiles spends
Best for: JetPrivilege spends
Best for: Marriott Bonvoy spends
Best for: earn rewards with zero annual cost
Best for: rewards + lounges, zero annual fee
Best for: PhonePe spends
Best for: no-fee rewards for consistent spenders
Best for: premium rewards with zero annual fees
Best for: lifestyle spends
Best for: Shoppers Stop spends
Best for: fashion rewards with zero annual cost
Best for: everyday rewards, zero annual cost
Best for: Tata Neu spends
Best for: rewards for educators, no annual cost
Best for: premium rewards with zero joining cost
Best for: rewards without the annual fee burden
With one of India's deepest credit-card portfolios, HDFC Bank is also one of the hardest to navigate. The right choice comes down to matching a card's reward structure to where your money actually goes each month — not to the card with the flashiest welcome bonus.
If most of your spending is online, a flat-cashback card like the Millennia beats a points card you will never fully redeem. Frequent flyers and diners get more from Regalia Gold or Diners Club Black, where lounge access and accelerated points on travel offset the higher annual fee. Building credit or want zero cost? Start with a lifetime-free option.
Whatever you pick, always clear the full statement — one month of interest wipes out a year of cashback. Use the compare tool to put your shortlist side-by-side before you apply.
