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HDFC Bank Credit Cards

44 cards compared · Updated October 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 October 2026.

44
Total cards
1
Lifetime free
₹0
Lowest annual fee

Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Showing 44 cards
Showing 44 cards
At a glance

Top HDFC Bank cards compared

HDFC Regalia Gold Credit Card credit card
HDFC Regalia Gold Credit Card
Shoppers Stop BLACK Credit Card credit card
Shoppers Stop BLACK Credit Card
Platinum Plus Credit Card
Annual fee₹2,500₹0 ✓₹0
Reward rate1.63%——
Welcome benefit—₹1,500—
NetworkVISAVISAVISA
Apply NowApply NowApply Now

How to choose a HDFC Bank credit card

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.

Questions

HDFC Bank credit cards — FAQ

HDFC Bank offers one of the largest active credit-card portfolios of any Indian issuer, spanning cashback, travel, fuel, premium, lifetime-free and business segments.
The HDFC Millennia is the top pick for online shopping, offering 5% cashback on Amazon, Flipkart, Swiggy and other partners, plus 1% on all other spends.
Yes. Several HDFC cards carry no joining or annual fee, and others waive the annual fee once you cross a modest spend threshold.
Entry cards need around ₹15,000–25,000 monthly income; premium cards such as Regalia Gold typically require ₹1,00,000+ per month or a strong existing banking relationship.
Tick the Compare box on any 2–4 cards. A compare bar appears at the bottom of the screen — click Compare Now to see them side-by-side, term by term.

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