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HDFC Credit Cards – Apply Online & Compare Top Offers

HDFC credit cards are offered in more than 20 variants across everyday rewards, cashback, fuel, travel, lifestyle, premium, digital and business categories, so you can pick the card that fits how you spend. Most HDFC Bank credit cards waive the renewal fee once you cross a set annual spend. Compare the top variants below and apply online.

Top 10 HDFC Credit Cards in India 2026

Listed below are the top 10 credit cards offered by HDFC:

HDFC Credit Card Variant	Annual Fee	Best Suited For
HDFC Bank PIXEL Go Credit Card	Rs.250 plus GST	Cashback and UPI Spends
HDFC Bank PIXEL Play Credit Card	Rs.500 plus GST	Customisable Cashback and Online Shopping
Indian Oil HDFC Bank Credit Card	Rs.500 plus GST	Fuel
Freedom Credit Card	Rs.500 plus GST	Cashback
HDFC MoneyBack+ Credit Card	Rs.500 plus GST	Shopping and Rewards
HDFC Bank Millennia Credit Card	Rs.1,000 plus GST	Online Shopping and Cashback
Tata Neu Infinity HDFC Bank Credit Card	Rs.1,499 plus GST	Shopping
Shoppers Stop HDFC Bank Credit Card	Rs.299 plus GST	Shopping
HDFC Bank Tata Neu Plus Credit Card	Rs.499 plus GST	Shopping and Rewards

Updated On - 11 Oct 2026

HDFC Bank currently offers several credit cards that are customised to cater to different needs. From travel to shopping to dining to premium, the bank has a card for every category.

Key Features of HDFC Credit Cards

Some of main features of HDFC credit cards are mentioned below:

Welcome Perks: Experience exclusive advantages upon registration and making transactions with an HDFC Bank Credit Card. Additional benefits are available for annual expenditures that surpass specified thresholds.
Smart EMI: Transform credit card purchases of Rs. 2,500 or more into SmartEMIs following your transactions. Benefit from the competitive rate of interest and flexible repayment periods for offline and online Credit Card purchases converted into SmartEMI.
Contactless Payments: Conveniently, confidently, and securely execute payments using our contactless Credit Cards. Merely tap your card for swift payments at retail establishments within seconds. To enable contactless payments, kindly utilise MyCards.
Foreign Currency Markup: With select HDFC Bank Credit Cards, enjoy greater savings on your international purchases that feature a low foreign currency markup on overseas transactions.
Insurance Benefits: Certain HDFC Bank Credit Cards offer complimentary insurance benefits, including substantial coverage for air accidents and emergency overseas hospitalisation.
Revolving Credit Facility: Take advantage of revolving credit facilities at nominal interest rates on HDFC Bank Credit Cards.
Airport Lounge Access: Enjoy complimentary airport lounge access at both domestic and international airports with select credit cards.
Zero Lost Card Liability: In the event of a lost Credit Card, promptly report it to our 24-hour call centre. You will be exempt from liabilities for fraudulent transactions upon timely reporting. Learn more about the advantages of using a credit card.
Fraud Protection: In case you suspect credit card fraud, just notify your bank, and your credit card will be instantly blocked.
Credit Score Improvement: You can improve your credit score by timely and full payment of bills and keeping credit utilisation less than 30%.
UPI Payments on RuPay Credit Cards: HDFC Bank RuPay credit cards are enabled for UPI payments. You can link your RuPay credit card to a UPI-enabled app such as PayZapp and pay merchants instantly by scanning their QR code.

Overview of HDFC Bank credit cards including benefits, reward programs, travel perks, and cashback options

Popular Credit Cards Offered by HDFC Bank

Some of the popular credit cards that HDFC Bank provides are mentioned below:

HDFC Bank Everyday Rewards Credit Cards

IRCTC HDFC Bank Credit Card

IndianOil HDFC Bank Credit Card

HDFC Bank Freedom Credit Card

HDFC Bank Moneyback+ Credit Card

HDFC Bank Millennia Credit Card

HDFC Bank Digital Credit Cards

HDFC Bank PIXEL Go Credit Card

HDFC Bank PIXEL Play Credit Card

HDFC Bank Lifestyle Credit Cards

HDFC Bank Regalia Gold Credit Card

Shoppers Stop HDFC Bank Credit Card

Shoppers Stop Black HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank Dining and Travel Credit Cards

HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Harley-Davidson Diners Club Credit Card

Marriott Bonvoy HDFC Bank Credit Card

HDFC Bank Premium Credit Cards

HDFC Bank Diners Club Black Metal Edition Credit Card

HDFC Bank RuPay Credit Cards

PIXEL Go HDFC Bank Credit Card

Tata Neu Plus HDFC Bank Credit Card

Indian Oil HDFC Bank Credit Card

IRCTC HDFC Bank Credit Card

PIXEL Play HDFC Bank Credit Card

HDFC Bank BizGrow RuPay Credit Card

HDFC Bank Business Credit Cards

FlipKart WholeSale HDFC Bank Credit Card

HDFC Bank Giga Business Credit Card

HDFC Bank Biz First Business Credit Card

HDFC Bank Biz Grow Mastercard Credit Card

HDFC Bank BizGrow RuPay Credit Card

HDFC Bank BizPower Business Credit Card

HDFC Bank Biz Black Metal Edition Credit Card

Eligibility to Apply for HDFC Credit Cards

Age: Applicants must be a minimum of 18 years old.

Nationality: Applicants should hold Indian Nationality.

Residential Status: Applicants can be either Residents or Non-Resident Indians.

Employment Status: Applicants should be employed as salaried professionals or self-employed individuals.

Annual Income: HDFC Bank assesses your eligibility for a Credit Card and determines the credit limit based on your annual income.

Note: HDFC Bank reviews and adjusts your credit limit according to your annual expenditures, card usage, and evolving income. Additionally, they extend invitations for Credit Card upgrades based on your usage.

Check Eligibility for HDFC Credit Cards Online

You can check eligibility for each HDFC credit card online using the HDFC Bank official website.

Visit HDFC Bank Site & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.

Documents Required to Apply for HDFC Credit Cards

Proof of Identity

Passport

PAN Card

Ration Card

Aadhaar card

Voter's ID card

Driving Licence

Address proof

Telephone bill

Electricity bill

Passport

Ration card

Rental agreement

Aadhaar card

Income proof (For salaried)

Salary certificate

Recent salary slip/s

Employment letter

Income proof (For self-employed)

Certified financials

Recent ITR (Income Tax Returns)

Audited profit and loss statement or balance sheet

HDFC may ask for additional documents based on the applicant's profile. The above list is for reference purpose only.

Fees and Charges of HDFC Credit Cards

The fees and charges for HDFC Bank credit cards are as follows:

Joining or annual fee varies for all HDFC Bank credit cards.

Late Payment Fee : A late payment fee is charged by the bank based on the outstanding balance.

Balance	Fees Applicable
Upto Rs. 100	Nil
Between Rs. 101 to Rs. 500	Rs. 100
Between Rs. 501 to Rs. 1,000	Rs. 500
Between Rs. 1,001 to Rs. 5,000	Rs. 600
Between Rs. 5,001 to Rs. 10,000	Rs. 750
Between Rs. 10,001 to Rs. 25,000	Rs. 900
Between Rs.25,001 to Rs.50,000	Rs.1,100
Above Rs. 50,000	Rs. 1300

Cash Advance Fee: A cash advance fee of 2.5% of the amount withdrawn, subject to a minimum of Rs.500, applies when you withdraw cash on an HDFC Bank credit card. Interest is charged from the date of withdrawal, so a cash advance carries no interest-free period.

How to Apply for HDFC Credit Cards Online?

The steps to apply for an HDFC credit card online are as follows:

Step 1: Visit the official website of HDFC.

Step 2: Navigate to the 'Credit Cards' section and select a credit card based on your preference.

Step 3: Check the eligibility criteria and documents required for the credit card.

Step 4: Apply online by entering all the requested details. You can also submit your credit card application along with relevant documents at an HDFC branch or ATM.

Step 5: Your credit card will be received by you on your communication address once your application is approved by the bank.

Step 6: When it is delivered, you will have to sign for it and provide proof of identity.

Step 7: You will receive the personal identity number (PIN) via courier while the Green PIN will be sent on your registered mobile number.

Step 8: This PIN is required to authenticate any credit card transactions.

Step 9: Visit the nearest HDFC ATM to change the PIN.

HDFC Credit Card Bill Payment

Customers can use any of the following modes of payments:

HDFC Bank Netbanking : HDFC Bank Netbanking is excellent for instant, direct payments provided you have an active HDFC savings or current account.

Non-HDFC Bank Netbanking : Non-HDFC Bank Netbanking allows you to pay using accounts from other banks. Payment will be credited in your account within 3 to 4 working days rather than instantly.

HDFC Bank Mobile Application : The HDFC Bank Mobile Application provides quick on-the-go payment access. Just install the app on your phone and connect with a stable internet connection and you are ready to go.

Auto pay : Auto pay automatically deducts the minimum or total amount due from your account once you enable the mandate.

ATM Funds Transfer: You clear your bill up to the last moment before the due date by using ATM Funds Transfer.

How to Register for HDFC Credit Card Net Banking?

As an existing HDFC Bank account holder, you can register for HDFC Credit Card Net Banking services by following the below given steps.

Customers need to login into NetBanking with their customer ID and internet password.

Inside the Net Banking account, click on the credit card tab.

Add your new card, by selecting the 'Register New Card' feature.

Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on 'Submit'.

Activate HDFC Credit Card Online Transactions via WhatsApp

The procedure that must be followed to activate online transactions via WhatsApp is given below:

Add the HDFC WhatsApp number (70700 22222) to your contacts.

Send a WhatsApp message 'Manage My Credit Card' to that number.

You will receive a message with several options.

Select the 'Online (E-Commerce) Transactions' option. You will need to enter the number under which the option is available.

An OTP will be sent to the registered mobile number, enter it.

Next, the last four digits of the credit card number must be entered. Once you complete the process, the status will be displayed on the screen.

An option will be provided to activate online transactions.

Key Points to Consider While Applying for a HDFC Credit Card

Rewards Points System: HDFC Bank offers a rewards points system for both offline and online Credit Card transactions, providing a significant advantage. You can redeem these accrued points for a variety of rewards from our catalogue, gift vouchers from renowned brands, and airline miles, or offset them against your statement balance. Select Credit Cards that can earn you higher reward points. It's essential to utilise your reward points before they expire and keep an eye out for exclusive Credit Card offers linked to your reward points.

Credit Card Statement: HDFC Bank provides monthly credit card statements that summarize all transactions made during a billing cycle, including the total amount spent, payment due date, and any outstanding balance. These statements are generated on a fixed date, which may not be the first day of the month, and are delivered to your registered email address.

Credit Card Cash Withdrawal: You can utilise your Credit Card to withdraw cash from ATMs through our Credit Card cash advance facility. The permissible cash withdrawal limits depend on your card type and differ from the credit limit. The bank applies credit card interest rates and other applicable fees to Credit Card cash withdrawals.

Fees & Charges: HDFC Bank imposes specific Credit Card fees depending on the type of Credit Card you hold. These fees include an annual maintenance charge, cash advance fees for withdrawals, foreign currency markup fees, late payment charges, interest on outstanding dues, over-limit fees, and GST charges.

Credit Card Bill Payment: HDFC Bank generates a new bill each month according to your credit cycle. You get around 20 days from the bill generation date to pay, within an interest-free period of up to 50 days from the date of purchase. It is necessary to make at least the minimum amount due. No additional charges are levied by the bank if you pay your outstanding dues in full on or before the due date. However, interest is applicable for partial or non-payments. You also have the option to set up automatic Credit Card payments through standing instructions from your Savings Account.

Card Activation and Closure Rules: Under the RBI Master Direction on Credit Card and Debit Card – Issuance and Conduct, 2022, if you do not activate your card within 30 days of issuance, the bank must seek your OTP-based consent, and must close the account free of cost within seven working days if you do not consent. A closure request you raise must also be honoured within seven working days.

HDFC Credit Card Security Measures

Knowing how to use your Credit Card securely is of utmost importance. Here are some key security measures to consider:

Card Features and Usage: Your Credit Card contains essential details, including your card number, name, expiration date, and CVV number, which are required when making online transactions. For added security, you must enter a 4-digit PIN and a One Time Password (OTP) sent to your registered mobile number (RMN) by the bank to authenticate the transaction. Ensure the safety of your transactions by refraining from sharing your PIN or OTP with anyone.

Overseas Usage: You have the option to activate your card for international use at any time. However, it is advisable to deactivate this feature once you return to India. If you lose your card or suspect any fraudulent or suspicious activities on your card, promptly notify us. In such cases, the bank will immediately block the card to prevent unauthorised usage.

Avoid Sharing Card Details: Exercise caution when responding to communications that request your card number, expiry date, or other sensitive information. While certain values may be required when you contact us through our helpline, remember that HDFC Bank or its representatives will never ask you for your Credit Card PIN, CVV, or OTPs. Under no circumstances should you share this information with anyone.

Blocking a Lost or Stolen Card: Call HDFC Bank PhoneBanking on 1800 1600 or 1800 2600 to block your credit card, or SMS 'Block CC <last four digits of your card number>' to 7308080808 from your registered mobile number. You can also hotlist the card through NetBanking under the Cards section by selecting Requests and then Credit Card Hotlisting.

Summary

HDFC credit cards span everyday rewards, cashback, fuel, travel, lifestyle, premium, digital and business variants, so most spenders can find a card that matches their biggest expense category. Features such as SmartEMI, contactless payments, UPI on RuPay cards and spend-based fee waivers add value across the range. Check your eligibility, keep your documents ready and compare the HDFC credit cards above before you apply online.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on HDFC Bank Credit Card

1.What is an HDFC Bank credit card?

An HDFC Bank credit card is a payment card that lets you spend up to a pre-approved credit limit and repay the amount by the statement due date. HDFC Bank issues credit cards across everyday rewards, cashback, fuel, travel, lifestyle, premium, digital and business categories.

2.What types of HDFC credit cards are available?

HDFC credit cards are grouped into everyday rewards, lifestyle, fuel and travel, premium, digital, RuPay, corporate and business categories. Each category is built around a spending pattern, and the cards in each HDFC credit card category are listed in the section above.

3.Which HDFC credit card is best for me?

The best HDFC credit card for you is the one that matches your largest spending category. A fuel card suits daily drivers, a cashback card suits frequent online shoppers and a travel card suits regular flyers.

4.What are the key features of HDFC credit cards?

Key features of HDFC credit cards include welcome benefits, SmartEMI conversion, contactless payments, airport lounge access on select cards, complimentary insurance cover and zero lost card liability. The exact feature set depends on the HDFC credit card variant you hold.

5.What is SmartEMI on an HDFC credit card?

SmartEMI lets you convert eligible HDFC credit card purchases into monthly instalments after the transaction has gone through. The interest rate and repayment tenure depend on your HDFC credit card and the amount you convert.

6.Do HDFC credit cards offer airport lounge access?

Yes, select HDFC credit cards offer complimentary access to domestic and international airport lounges. The lounge benefit, and how often you can use it, differs by HDFC credit card variant.

7.Can I use an HDFC RuPay credit card for UPI payments?

Yes, HDFC Bank RuPay credit cards can be linked to a UPI-enabled app so you can scan and pay at merchants. The list of HDFC RuPay credit cards is given in the popular cards section above.

8.Who is eligible for an HDFC credit card?

You must be at least 18 years old, hold Indian nationality and be either salaried or self-employed to apply for an HDFC credit card. HDFC Bank sets your credit limit based on your annual income and overall profile.

9.Can an NRI apply for an HDFC credit card?

Yes, Non-Resident Indians can apply for an HDFC credit card, as the eligibility criteria cover both residents and NRIs. Approval is subject to HDFC Bank's documentation and verification requirements.

10.How do I check my eligibility for an HDFC credit card online?

You can check your eligibility for an HDFC credit card by selecting a card on the HDFC Bank website and clicking the 'Check Eligibility' button. Enter the details you are prompted for to see whether you qualify before submitting a full application.

11.What documents are required for an HDFC credit card?

You need proof of identity, proof of address and proof of income to apply for an HDFC credit card. Salaried applicants submit salary slips or a salary certificate, while self-employed applicants submit recent ITRs or audited financials.

12.What fees and charges apply on HDFC credit cards?

HDFC credit cards carry a joining or annual fee, finance charges on revolving balances, late payment fees, cash advance fees and a foreign currency markup. The exact amounts differ by HDFC credit card variant and are listed in the fees section and each card's fee schedule.

13.Can the annual fee on an HDFC credit card be waived?

Yes, most HDFC credit cards waive the renewal fee if you reach a minimum annual spend before the renewal date. The spend threshold is set separately for each HDFC credit card and is stated in its fee details.

14.How is the late payment fee on an HDFC credit card calculated?

The late payment fee on an HDFC credit card is based on the outstanding balance on your statement, so a higher balance attracts a higher fee. The balance slabs and the fee for each slab are listed in the fees table above.

15.Is there an interest-free period on HDFC credit card cash withdrawals?

No, cash withdrawn on an HDFC credit card does not get an interest-free period. Interest is charged from the date of withdrawal, and a cash advance fee also applies.

16.How do I apply for an HDFC credit card online?

To apply for an HDFC credit card online, visit the HDFC Bank website, choose a card, check the eligibility criteria and documents, and submit the application. You can also apply for an HDFC credit card at an HDFC Bank branch.

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HDFC Credit Cards – Apply Online & Compare Top Offers

Top 10 HDFC Credit Cards in India 2026

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Bank

1st Year Fee

Card Fee Type

Card Network

Rewards On Dining And Entertainment Spends

HDFC Bank Diners Club Privilege Credit Card

Rewards On Shoppers Stop Spends

Shoppers Stop Black HDFC Bank Credit Card

5% Cashback On Online Shopping

HDFC Bank Millennia Credit Card

5% Cashback On 2 Brand Packs

HDFC Bank PIXEL Play Credit Card

10% Back On Tata Neu

HDFC Bank Tata Neu Infinity Credit Card

Points On Everyday Business Spends

HDFC Bank GIGA Business Credit Card

Points On Everyday Business Spends

HDFC Bank BizFirst Business Credit Card

7% Back On Tata Neu

HDFC Bank Tata Neu Plus Credit Card

Up To 50 Litres Of Free Fuel

IndianOil HDFC Bank Credit Card

Rewards On Shoppers Stop Spends

Shoppers Stop HDFC Bank Credit Card

Lifetime Free Card

HDFC Bank Pixel Go Credit Card

Valueback On Household Spends

HDFC Bank MoneyBack Plus Credit Card

Rewards On Everyday Spends

HDFC Bank Freedom Credit Card

Free Stays At Marriott Bonvoy Hotels

Marriott Bonvoy HDFC Bank Credit Card

2 Airport Lounge Visits Quarter, Worldwide

HDFC Bank Harley-Davidson Diners Club Credit Card

Rewards On Lifestyle Shopping

HDFC Bank Regalia Gold Credit Card

Premium Memberships And Lounge Access

HDFC Bank Diners Club Black Metal Edition Credit Card

Online Shopping Savings

Flipkart Wholesale HDFC Bank Credit Card

Quarterly Bonus On Business Spends

HDFC Bank BizGrow Mastercard Credit Card

Upi Payments On A Business Card

HDFC Bank BizGrow RuPay Credit Card

Savings On Everyday Business Spends

HDFC Bank BizPower Business Credit Card

Premium Privileges On Business Spends

HDFC Bank Biz Black Metal Edition Credit Card