HDFC Bank
HDFC Millennia
Annual fee₹1,000
Joining fee₹1,000
Best rate5% back
Issuer · HDFC Bank · India
HDFC Bank credit cards: full list & fees.
All 14 HDFC Bank cards — joining fee, annual fee, and top reward rate — in one verified list.
14 HDFC Bank credit cards are listed in the grid below with verified joining fee, annual fee, and best reward rate for each. Annual fees range from ₹250 to ₹3,000, covering cashback entry-level cards (Pixel Go, Pixel Play, MoneyBack+, Millennia), a co-branded range across fuel, food delivery, e-commerce, retail, railways, and hotels, and two premium cards: Regalia Gold and Diners Club Privilege. For use-case picks — which card suits cashback, Tata ecosystem, food delivery, or travel — see the HDFC credit card use-case guide.
HDFC Bank
HDFC IRCTC Credit Card
Annual fee₹500
Joining fee₹500
Best rate5× points
HDFC Bank
HDFC Pixel Play Credit Card
Annual fee₹500
Joining fee₹500
Best rate5% back
HDFC Bank
HDFC Pixel Go Credit Card
Annual fee₹250
Joining fee₹250
Best rate5% back
HDFC Bank
Tata Neu Infinity HDFC Credit Card
Annual fee₹1,499
Joining fee₹1,499
Best rate10% back
HDFC Bank
Tata Neu Plus HDFC Credit Card
Annual fee₹499
Joining fee₹499
Best rate5% back
HDFC Bank
IndianOil HDFC Bank Credit Card
Annual fee₹500
Joining fee₹500
Best rate5× points
HDFC Bank
Shoppers Stop HDFC Bank Credit Card
Annual fee₹299
Joining fee₹299
Best rate3× points
HDFC Bank
HDFC Bank MoneyBack+ Credit Card
Annual fee₹500
Joining fee₹500
Best rate3.33% back
HDFC Bank
HDFC Swiggy BLCK Credit Card
Annual fee₹1,000
Joining fee₹1,000
Best rate10% back
HDFC Bank
HDFC Swiggy ORNGE Credit Card
Annual fee₹500
Joining fee₹500
Best rate10% back
HDFC Bank
HDFC Marriott Bonvoy Credit Card
Annual fee₹3,000
Joining fee₹3,000
Best rate8× points
HDFC Bank
HDFC Regalia Gold Credit Card
Annual fee₹2,500
Joining fee₹2,500
Best rate25× points
HDFC Bank
HDFC Bank Diners Club Privilege Credit Card
Annual fee₹1,000
Joining fee₹1,000
Best rate20× points
Choosing an HDFC card
Entry-level, co-branded, or premium?
Entry-level HDFC cards (Pixel Go, Pixel Play, MoneyBack+, Millennia) pay cashback on online and utility spend. Annual fees run from ₹250 to ₹1,000, with most carrying a spend-based waiver in the ₹1 to 2 lakh range. These are the natural starting point for first-time credit card holders or those whose primary spend is online and on utility bills.
Co-branded HDFC cards reward spend concentrated on a single partner platform. Tata Neu Infinity returns the highest rate for NeuPass members shopping on Tata brands; Swiggy BLCK concentrates value on food delivery; Marriott Bonvoy converts hotel spend into points rather than cashback. The value proposition narrows to the partner, so these cards earn well on-brand and at the base rate off-brand.
Regalia Gold and Diners Club Privilege are HDFC's current premium entries in the catalogue. Regalia Gold covers domestic and international lounge access with a travel-rewards earn structure. Diners Club Privilege is dining-forward with lounge access included. HDFC's invitation-only upper tiers (Infinia, Diners Black) are not in the catalogue.
FAQ
Common questions
01Can I hold more than one HDFC Bank credit card?
HDFC Bank generally limits customers to one credit card, but makes exceptions for co-branded cards (Tata Neu, Marriott Bonvoy, IndianOil) and for existing customers with a long HDFC relationship and strong repayment history. Check with HDFC customer care or through net banking to see whether a second card is available for your profile.
02What income is required for HDFC Bank credit cards?
Requirements vary by card. Entry-level HDFC cards (Pixel Go, Pixel Play, MoneyBack+) do not publish a minimum income figure on the product page. Millennia and mid-tier cards typically target salaried professionals with annual income of ₹3 to 6 lakh. Regalia Gold and Diners Club Privilege are positioned for higher-income professionals or existing HDFC banking customers. Confirm current eligibility on the HDFC Bank product page before applying.
03Do HDFC Bank cards offer a spend-based annual fee waiver?
Most HDFC cards in the catalogue carry a spend-based annual fee waiver. Spending ₹1 to 2 lakh in a card anniversary year typically secures the waiver, though the exact threshold varies by card. Regalia Gold and Diners Club Privilege have their own waiver terms. Always confirm the current condition on the HDFC Bank product page before applying.
04Do I need an existing HDFC Bank account to apply?
No, but holding an HDFC savings or salary account simplifies the application process and can improve approval odds, particularly for entry-level cards. HDFC also accepts salaried applicants with salary credited to non-HDFC accounts, provided income and credit score criteria are met.
05How does HDFC's co-branded credit card programme work?
HDFC issues co-branded cards in partnership with brands across e-commerce (Tata Neu), food delivery (Swiggy), fuel (IndianOil), retail (Shoppers Stop), railways (IRCTC), and hotels (Marriott Bonvoy). Each card earns accelerated rewards or cashback on the partner brand and a reduced base rate on other spends. They are best for customers whose primary spend already flows through the partner platform.