5 cards available
HDFC Bank
HDFC Diners Club Black is the flagship premium credit card from HDFC Bank, targeting ultra-high-net-worth individuals and frequent international travellers. It is one of the most feature-rich credit cards available in India, offering unlimited complimentary lounge access, zero foreign exchange markup, and industry-leading reward rates on travel spends. The card's most distinguishing feature is unlimited complimentary domestic airport lounge access across 250+ airports in India — this alone can be worth lakhs per year for frequent business travellers who otherwise pay ₹2,000-₹3,000 per lounge visit. International lounge access through LoungeKey covers 1,000+ airport lounges across 100 countries worldwide, also on an unlimited basis. The zero forex markup on international transactions is unique in the Indian market — most credit cards charge 2-3.5% forex markup on foreign currency transactions, making Diners Club Black the clear choice for anyone who travels internationally frequently or makes purchases from international websites. On a ₹1 lakh international transaction, this saves ₹2,000-₹3,500 compared to other premium cards. The card earns 5X Reward Points on travel bookings through HDFC SmartBuy (flights, hotels, holiday packages) and 2X on dining. On all other spends, 1% reward points are earned. The 10,000 Welcome Reward Points on joining are worth approximately ₹4,000 when redeemed for travel or gift vouchers. Golf enthusiasts will appreciate the 6 complimentary golf sessions per year at prestigious golf courses across India and internationally, including the options at Chandigarh Golf Club, Delhi Golf Club, and Royal Colombo. The card requires a minimum annual income of ₹18 lakhs for salaried individuals and ₹24 lakhs for self-employed individuals. The ₹10,000 annual fee is reversed on spending ₹8 lakhs or more in the previous anniversary year, making it effectively free for high spenders. Source: HDFC Bank official website, updated May 2026.
HDFC Bank
HDFC Bank Easy EMI is a no-frills credit card designed for Indian consumers who want the convenience of credit and EMI options without paying any annual fee. The card's primary value proposition is converting large purchases into affordable equated monthly instalments (EMIs), making it particularly useful for buying appliances, electronics, furniture, and other big-ticket items. The card converts any purchase above ₹2,500 into EMI tenures ranging from 3 to 24 months, with competitive interest rates starting from 1.5% per month. Select merchant partners offer no-cost EMI options where the interest cost is borne by the retailer, allowing you to pay only the principal amount in equal monthly instalments. With zero annual fee and a minimum income requirement of just ₹1.5 lakhs per annum, the HDFC Easy EMI card is one of the most accessible credit cards in India, making it particularly suitable for first-time credit card users, students, or individuals in semi-urban areas who are new to formal credit. The card is accepted at over 40 million merchant outlets across India through the Visa network, ensuring wide acceptance whether you're shopping at a supermarket, paying at a restaurant, or booking a flight. Contactless payments are enabled up to ₹20,000 per transaction for quick, secure in-person payments. While the card offers no rewards, cashback, or lounge access, its value lies in providing affordable access to credit for everyday Indians who need to manage large purchases without financial strain. For budget-conscious consumers or those building their credit history, the HDFC Easy EMI card is a practical starting point. Source: HDFC Bank official website, updated May 2026.
HDFC Bank
HDFC Bank Millennia is a cashback-focused credit card specifically designed for India's growing base of online shoppers who make frequent purchases from Amazon, Flipkart, Myntra, and Tata Cliq. The card's standout feature is its 5% cashback rate on these four major e-commerce platforms, capped at ₹1,500 per month — making it one of the most rewarding cards for online shopping in India. The 5% cashback applies on combined spends across Amazon.in, Flipkart.com, Myntra.com, and Tata Cliq, with no minimum transaction value required. For a regular online shopper who spends ₹15,000 per month across these platforms, this translates to ₹750 per month or ₹9,000 per year in cashback — extraordinary value from a card with a ₹1,000 annual fee. Dining and movie ticket bookings earn 1% cashback, providing additional value for entertainment spends. All other purchases earn a baseline 0.5% cashback. Cashback is credited as Reward Points to the card account and can be redeemed for statement credit or gift vouchers. Four complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide meaningful value for occasional travellers, while the 1% fuel surcharge waiver at HPCL, BPCL, and IOCL fuel stations adds to everyday savings. The card requires a minimum annual income of ₹3 lakhs and is available to individuals aged 21-55 years. The annual fee of ₹1,000 is reversed on spending ₹1 lakh or more in the previous anniversary year, which is achievable for most working individuals who shop online regularly. Source: HDFC Bank official website, updated May 2026.
HDFC Bank
HDFC MoneyBack+ is a value-focused credit card designed for everyday Indian consumers who want meaningful cashback on routine expenses without paying a high annual fee. With an annual fee of just ₹500 — reversed on spending ₹50,000 in the previous year — the card pays for itself with a single trip to the fuel pump or a month's worth of grocery shopping. The card's standout feature is the 2% cashback on fuel purchases at HPCL, BPCL, and IOCL fuel stations, applicable on transactions up to ₹4,000 per month. For someone who spends ₹4,000 per month on fuel, this translates to ₹80 cashback per month or ₹960 per year — well above the annual fee. The 1% fuel surcharge waiver further enhances savings at the pump. Grocery cashback of 1.5% on supermarket and kirana store purchases (via HDFC Bank's merchant network) provides daily savings for families. This is applied on spends at Foodworld, Spencer's, More, and other grocery chains, as well as spends categorized as groceries by HDFC's transaction processing. Dining and movie bookings earn 1% cashback, while all other spends earn a base 0.5% cashback. Cashback is credited as Reward Points to the cardholder's account and can be redeemed for statement credit or gift vouchers from HDFC's redemption catalogue. The card is ideal for individuals with a minimum annual income of ₹3 lakhs who want a no-frills cashback card focused on everyday spending categories. The ₹50,000 annual spending threshold for annual fee reversal is modest — approximately ₹4,167 per month — achievable for most working individuals. Source: HDFC Bank official website, updated May 2026.
HDFC Bank
HDFC Regalia Gold is one of HDFC Bank's most popular premium credit cards, designed for individuals who frequently dine out and shop for groceries. With a joining fee of ₹1,000 and annual fee of ₹2,500, the card delivers strong value through its accelerated reward rate on dining and grocery spends, combined with complimentary airport lounge access on both domestic and international routes. The card earns 2X Reward Points on dining and grocery spends — 2 reward points per ₹150 spent — which translates to a 2% effective return. For other spends, you earn 0.5% reward rate. Reward Points can be redeemed for flight bookings on HDFC's SmartBuy portal, gift vouchers from major brands, or against statement credit at a rate of ₹0.25 per point. Complimentary domestic airport lounge access is a standout benefit: you get 8 free domestic lounge visits per year across 100+ airports in India through the Visa Lounge Access program. This alone can justify the annual fee for frequent travellers. In addition, 2 international lounge visits are provided through the Visa Airport Lounge Access program at select airports abroad. The fuel surcharge waiver of 1% at HPCL, BPCL, and IOCL fuel pumps — applicable on transactions up to ₹4,000 per month — provides meaningful savings for commuters and fleet operators. The Buy 1 Get 1 movie offer through BookMyShow, valid twice a month, is popular among couples and families. The card requires a minimum annual income of ₹6 lakhs for salaried individuals and is available to Indian residents aged 21-60 years. A good credit score and relationship with HDFC Bank improve approval chances. Source: HDFC Bank official website, updated May 2026.