If you’ve been looking for a credit card that gives you real value — whether it’s cashback, rewards, travel perks, or lounge access — HDFC Bank has some of the most popular credit cards in India.
But with so many options like Regalia, Millennia, MoneyBack+, and Infinia, it’s easy to feel lost. I’ve personally used HDFC cards over the years and spoken to friends who’ve tried different variants — and here’s an honest, no-fluff breakdown of the best HDFC credit cards in India for 2025.
🏆 Top HDFC Credit Cards in India (2025)
🔹 1. HDFC Millennia Credit Card (Best for Cashback Lovers)
Why it’s great:
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato
- Earn 1% cashback on all other purchases, whether made online or in-store
- Lounge access included (domestic)
- Fuel surcharge waiver
✅ Perfect for millennials and regular online shoppers
🔹 2. HDFC Regalia Credit Card – Ideal for Frequent Travelers and Premium Lifestyle Benefits
Why people love it:
- Complimentary airport lounge access (domestic + international)
- 4 reward points per ₹150 spent
- Free Club Vistara membership
- Travel insurance and concierge services
✅ Ideal for frequent flyers, corporate users, and premium spenders
🔹 3. HDFC Infinia Credit Card (Metal Edition) (Best for High Net Worth Users)
Why it stands out:
- Unlimited domestic + international lounge access
- 5 reward points on every ₹150
- Low forex markup (2%)
- Credit limit starts from ₹8–10 lakh
✅ Invite-only card made for high spenders — luxury meets rewards
🔹 4. HDFC MoneyBack+ Credit Card – Ideal for First-Time Users and Everyday Spending
Top features:
- 10X rewards on Amazon, Flipkart, BigBasket
- Easy EMI options & redemption via SmartBuy
- Annual fee waiver on spend milestone
✅ Great first-time credit card with solid reward system
🔹 5. HDFC Diners Club Privilege – Great for a Mix of Lifestyle Perks and Reward Benefits
Highlights:
- Free access to premium golf courses & lounges
- Complimentary annual memberships (ZEE5, Amazon Prime, etc.)
- Travel insurance & low forex fees
✅ For those who want value beyond just cashback
💳 How to Pick the Best HDFC Credit Card for Your Needs?
It really depends on your lifestyle:
| If you… | Go for… |
|---|---|
| Shop online a lot | Millennia or MoneyBack+ |
| Travel frequently | Regalia or Diners Club |
| Are a high spender | Infinia (invite-only) |
| Want a beginner-friendly card | MoneyBack+ |
| Love cashback on food & delivery | Millennia |
❓ FAQs
Q1. Which HDFC credit card offers the best benefits for online shoppers?
Millennia and MoneyBack+ offer the best value for frequent online spenders with 5–10X rewards.
Q2. Is HDFC Infinia available to everyone?
No. It’s an invite-only card for high-income individuals (based on bank relationship or spends).
Q3. Can I get a lifetime free HDFC credit card?
Yes, some HDFC cards offer lifetime free versions under limited-time offers or corporate salary accounts.
Q4. How much is the joining fee for HDFC credit cards?
Depends on the card — ranges from ₹500 to ₹12,500, but many offer fee reversal on spending milestones.
🧾 Final Thoughts
HDFC Bank has something for everyone — from students and first-time users to business professionals and HNIs. Whether you want cashback, travel perks, or reward points, the key is to choose a card that matches your lifestyle, not just what looks premium.
👉 Don’t just look at offers — check annual fee, cashback rate, and spend conditions before applying.