HDFC ਬੈਂਕ
HDFC ਬੈਂਕ has several great credit cards that can offer value in many different ways.
HDFC Bank Credit Cards (India)
? Popular Cards in 2025
- Tata Neu Infinity: 5% NeuCoins on Tata spends, ₹1,499 annual fee, lounge access via quarterly spend.
- Infinia Metal: Invite-only, ₹12,500 fee, unlimited lounge access, concierge, 10X rewards.
- Diners Black Metal: ₹10,000 fee, unlimited global lounge, 10X SmartBuy, dining rewards.
- Millennia: ₹1,000 fee, 5% cashback on Amazon, Flipkart, Swiggy, ₹1k vouchers per ₹1 lakh spend.
- Swiggy Card: ₹500 fee, 10% on Swiggy/Instamart, 5% on other e-comm, Swiggy One included.
- MoneyBack+: ₹500 fee, 10X points on Amazon, Flipkart, grocery, milestone vouchers.
- PIXEL (Play/Go): 1–5% flexible cashback via PayZapp app, EMI, and UPI enabled.
? Key Changes (Effective July 2025)
- 1% transaction fees for gaming, wallet loads, and utility bills beyond the threshold.
- No reward points on insurance over caps; wallet and rent spends excluded.
- Quarterly spend is now required for lounge access (Tata Neu Infinity).
- Lifetime Free offers on select cards expired Jan 2025; contact the bank for upgrade offers.
- Policy around holding multiple cards (2 core + co-branded) is unclear.
? Card Comparison
| ਕਾਰਡ | ਸਾਲਾਨਾ ਫੀਸ | ਲਾਭ | ਲਾਊਂਜ ਐਕਸੈਸ |
|---|---|---|---|
| Millennia | ₹1,000 | 5% cashback on top platforms | Voucher-based (quarterly) |
| MoneyBack+ | ₹500 | 10X on Amazon, Flipkart, groceries | ਨਹੀਂ |
| Swiggy Card | ₹500 | 10% on Swiggy, 5% on e-commerce | ਨਹੀਂ |
| PIXEL Play / Go | ₹0–₹750 | Flexible cashback, mobile-first | ਨਹੀਂ |
| Tata Neu Infinity | ₹1,499 | NeuCoins, travel deals | Spend-based (quarterly) |
| Diners Black Metal | ₹ 10,000 | 10X SmartBuy, premium perks | Unlimited global |
| Infinia Metal | ₹12,500 | Concierge, 10X rewards, travel | Unlimited global |
✅ Best for Your Needs
- Shopping & cashback: Millennia, MoneyBack+
- Food lovers: Swiggy Card
- Mobile convenience: PIXEL series
- Travel & lifestyle: Diners Black, Infinia
- Tata loyalists: Tata Neu Infinity
? Important Notes
- Watch out for new fees on high-value utility, gaming, and wallet loads.
- Check the updated lounge rules if you travel often.
- Lifetime free card status must be confirmed each year if obtained via promotion.
Apply at: hdfcbank.com
