Best HDFC Bank Credit Cards 2026

Key Advantages

• ✓ Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)
• ✓ 10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)
• ✓ Unlimited complimentary lounge access worldwide for primary & add-on cardholders
• ✓ Complimentary Club Marriott membership and golf games globally
• ✓ Low foreign currency markup fee of 2% + Taxes

Key Advantages

• ✓ 5% cashback across 10 popular online platforms
• ✓ Covers Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow & more
• ✓ 2.5% cashback on all other online transactions
• ✓ 1 domestic lounge visit (or ₹1,000 gift voucher) per quarter on ₹1L spend
• ✓ Straightforward cashback, credited directly as statement credit

Key Advantages

• ✓ 10% cashback on dining, food delivery, grocery, shopping & utility spends
• ✓ Unlimited 1.5% cashback on all other eligible retail spends
• ✓ Upgraded to Visa Infinite (from July 2026): airport Meet & Assist, complimentary ITC Hotels stays, Avis car rental privileges
• ✓ Annual fee waived on ₹2 Lakh yearly spend, effectively free for regular users

Key Advantages

• ✓ Unlimited complimentary airport lounge visits worldwide (primary + add-on)
• ✓ Up to 10X reward points via HDFC SmartBuy platform
• ✓ 6 complimentary golf games every quarter globally (24/year)
• ✓ 1 point equals ₹1 when redeemed for air miles or hotel bookings, among the best redemption rates available
• ✓ Complimentary Club Marriott, Amazon Prime & Swiggy One membership

Key Advantages

• ✓ 10% cashback on Swiggy Food, Instamart, Dineout and Genie
• ✓ 5% cashback across 1,000+ other online platforms including Amazon, Myntra and Nykaa
• ✓ Cashback credited directly to your Swiggy Money wallet

Key Advantages

• ✓ Up to 10% value back on Tata Neu, BigBasket, Croma, and other Tata brand purchases
• ✓ Welcome bonus fully offsets the first-year joining fee
• ✓ 1.5% value back on day-to-day UPI transactions via RuPay variant
• ✓ 2 domestic + 1 international lounge visit per quarter, on ₹50,000 spend in the preceding quarter
• ✓ Low foreign currency markup fee of 2%

Key Advantages

• ✓ 4 reward points per ₹150, a solid base earn rate
• ✓ 12X points on partner airlines & travel via HDFC SmartBuy
• ✓ 3 domestic lounge visits/quarter (conditional on ₹60,000 quarterly spend)
• ✓ Annual fee waived on ₹4 lakh annual spends, achievable for most cardholders
• ✓ Travel insurance up to ₹1 crore air accident cover

Key Advantages

• ✓ High 10% cashback on PhonePe app utility, recharge & travel bookings
• ✓ 8 complimentary domestic airport lounge visits/year (2 per quarter, on ₹75,000 quarterly spend)
• ✓ 1.5% uncapped cashback on all other online spends
• ✓ Joining fee fully offset by welcome cashback vouchers

Key Advantages

• ✓ 5% cashback on PhonePe bill payments, recharges, and in-app transactions
• ✓ 1.5% cashback on general online shopping
• ✓ Affordable ₹499 annual fee with fee waiver on ₹1 Lakh spend
• ✓ 1% fuel surcharge waiver across all fuel stations

Key Advantages

• ✓ Earn CashPoints on both regular and UPI payments made via BHIM, Paytm, PhonePe, Google Pay, etc.
• ✓ 3% CashPoints on grocery, supermarket, dining, and PayZapp spends
• ✓ 2% CashPoints on utility payments
• ✓ Issued digitally as a virtual card without physical card maintenance hassles
• ✓ Low annual fee of ₹99 with easily reachable spend waiver of ₹25,000

Key Advantages

• ✓ 12 complimentary airport lounge visits worldwide (Domestic + International)
• ✓ Buy 1 Get 1 free movie ticket offer on BookMyShow
• ✓ Complimentary premium subscriptions (Swiggy One, Times Prime) on fee payment
• ✓ 20 reward points per ₹150 on SmartBuy flights & hotel bookings
• ✓ Annual fee waiver on ₹3 Lakh annual spends

Key Advantages

• ✓ Customizable 5% cashback on 2 key merchants of your choice (Amazon, Flipkart, Zomato, Swiggy, Blinkit)
• ✓ 3% cashback on 1 dining or entertainment category of choice
• ✓ 1% uncapped cashback on all other retail spending
• ✓ 100% digital card issuance and control via HDFC PayZapp app

Key Advantages

• ✓ Instant PayZapp app-based purchase-to-EMI conversion at attractive interest rates
• ✓ Digital card issuance with customizable widget controls in PayZapp
• ✓ Low fee waiver threshold of ₹50,000 annual retail spends
• ✓ 1% fuel surcharge waiver across all fuel stations

Key Advantages

• ✓ 10X CashPoints on major online merchants (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart)
• ✓ 5X CashPoints on EMI purchases
• ✓ Quarterly gift voucher of ₹500 on ₹50,000 quarterly spend
• ✓ Achievable annual fee waiver threshold of ₹50,000

Key Advantages

• ✓ Earn up to 50 Liters of free fuel annually via Fuel Points
• ✓ 5% Fuel Points at IndianOil outlets, groceries, and utility bills
• ✓ 1% fuel surcharge waiver across IOCL outlets
• ✓ Achievable annual fee waiver on ₹50,000 retail spends

Key Advantages

• ✓ 10X CashPoints on popular merchant partners (Swiggy, Uber, BigBasket, BookMyShow)
• ✓ 5X CashPoints on EMI spends
• ✓ 1% fuel surcharge waiver across all fuel stations
• ✓ Low annual spend requirement (₹50,000) for fee waiver

Key Advantages

• ✓ 1 Complimentary Free Night Award annually (valid up to 15,000 Bonvoy points)
• ✓ Automatic Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits per year
• ✓ 8 Bonvoy Points per $1 spent at participating Marriott Bonvoy properties worldwide
• ✓ 12 airport lounge access visits per year (8 Domestic + 4 International)
• ✓ Annual fee of ₹3,000 effectively offset by Free Night Award

Key Advantages

• ✓ Highest tier First Citizen Black membership status at Shoppers Stop
• ✓ 20 First Citizen Points per ₹200 spent on Shoppers Stop private brand products
• ✓ Complimentary airport lounge access: 16 domestic + 8 international visits/year
• ✓ ₹1,500 welcome voucher + milestone discount vouchers

Key Advantages

• ✓ 5 CashPoints per ₹100 spent on train ticket bookings via IRCTC app/website
• ✓ 1% transaction charges waiver on IRCTC website and ticketing portals
• ✓ 4 complimentary railway executive lounge visits per year across India
• ✓ ₹500 gift voucher welcome benefit fully offsets joining fee