HDFC Bank is one of India’s leading credit card issuers, offering a wide range of cards tailored to various lifestyle needs. Whether you’re a frequent flyer, an avid shopper, or someone who loves cashback, there’s an HDFC credit card just for you. In this guide, we’ll explore the Best HDFC Credit Card options across popular categories like travel, shopping, fuel, and lifestyle.

Best HDFC Travel Credit Card: HDFC Infinia Credit Card (Metal Edition)

Ideal For: High-end travelers, luxury spenders, and frequent flyers.

Why It’s the Best:

• Complimentary airport lounge access (domestic & international)
• 5X reward points on travel bookings via SmartBuy
• Free Club Marriott membership with dining and stay discounts
• Unlimited Priority Pass membership for you and add-ons

Annual Fee: ₹12,500 (can be waived off with high spends)
Eligibility: High income and strong credit profile

Perfect for: Those looking for premium travel experiences and luxury rewards.

Best HDFC Shopping Credit Card: HDFC Millennia Credit Card

Ideal For: Online shoppers and millennial spenders.

Why It’s the Best:

• 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and more via PayZapp & SmartBuy
• 1% cashback on other spends
• Milestone benefits and fuel surcharge waiver
• Tap & Pay enabled for contactless transactions

Annual Fee: ₹1,000 (waived on ₹1 lakh annual spend)
Eligibility: Income ₹35,000+ (salaried) or ₹6 lakh+ p.a. (self-employed)

Perfect for: Gen Z and millennials who spend frequently online.

Best HDFC Fuel Credit Card: HDFC Bharat Cashback Credit Card

Ideal For: Daily commuters and fuel spenders.

Why It’s the Best:

• 5% cashback on fuel transactions at HPCL
• Cashback on mobile bills, utility payments, and EasyEMI spends
• No reward point hassles — straightforward cashback
• 1% fuel surcharge waiver

Annual Fee: ₹500 (waived on ₹50,000 annual spend)
Eligibility: Low-income requirement; great for new users

Perfect for: Budget-conscious users who spend on fuel and bills.

Best HDFC Lifestyle Credit Card: HDFC Regalia Credit Card

Ideal For: Balanced spenders looking for luxury + utility.

Why It’s the Best:

• Complimentary lounge access at airports
• 4 reward points on every ₹150 spent
• Dining, travel, and lifestyle benefits via HDFC SmartBuy
• Complimentary insurance coverage

Annual Fee: ₹2,500 (waived on ₹3 lakh annual spend)
Eligibility: Income ₹1 lakh+ monthly (salaried)

Perfect for: Users who want a well-rounded lifestyle experience.

Best HDFC Cashback Credit Card: HDFC MoneyBack+ Credit Card

Ideal For: Cashback lovers and entry-level users.

Why It’s the Best:

• 10X reward points on Amazon, Flipkart, BigBasket via SmartBuy
• 2 reward points per ₹150 spent on regular purchases
• Gift vouchers on achieving spending milestones
• 1% fuel surcharge waiver

Annual Fee: ₹500 (waived on ₹50,000 annual spend)
Eligibility: Income ₹25,000+ (salaried)

Perfect for: Everyday users who love straightforward rewards.

How to Choose the Best HDFC Credit Card for You

To find your Best HDFC Credit Card, consider:

• Your spending habits (travel vs. shopping)
• How often you use credit card features
• Your annual income and credit score
• Whether you prefer cashback or reward points

Always check for the latest offers and fees on HDFC’s official website or trusted partners before applying.

Conclusion

The Best HDFC Credit Card depends entirely on your lifestyle needs. From luxurious travel perks with Infinia to practical cashback with Bharat Cashback, HDFC offers a tailored solution for everyone. Make your money work smarter by picking a card that aligns with your daily spends and future goals.