The perfect HDFC Card
for your lifestyle
Save more, earn 10X reward points, enjoy up to 10% cashback on Swiggy & top e-commerce, complimentary airport lounge access, and exclusive milestone benefits.
Find the Best HDFC Card for Your Income Bracket
HDFC Bank customizes its credit card suite by monthly earnings to maximize approval odds and rewards yield. Select your income band below.
Accelerated Cashback on E-Commerce & Dining
The sweet spot for online shoppers, dining enthusiasts, and modern professionals seeking top-tier cashback rates across merchant ecosystems.
HDFC Millennia
Swiggy HDFC Card
Tata Neu Plus
HDFC Shoppers Stop Card
You can choose from these HDFC Bank credit cards
Compare benefits upfront and click Apply Now to start your digital application for top HDFC Bank credit cards.
HDFC Bank Millennia Credit Card
5% Cashback on Top E-Commerce Brands
- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, and Zomato
- 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
- ₹1,000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
HDFC Bank Regalia Gold Credit Card
Luxurious Travel & 12 Complimentary Lounges
- Complimentary Club Vistara Silver Tier and MakeMyTrip Black Elite membership
- ₹1,500 worth vouchers on quarterly spends of ₹1.5 Lakh (Marriott, Decathlon & more)
- 12 complimentary domestic lounge visits per calendar year & 6 international lounge visits via Priority Pass
Swiggy HDFC Bank Credit Card
10% Cashback on Swiggy & Free Swiggy One
- 10% Cashback on Swiggy (Food ordering, Instamart, Genie & Dineout)
- 5% Cashback on 1,000+ top online shopping platforms (Amazon, Flipkart, Myntra, Nykaa, etc.)
- Complimentary 3 months Swiggy One membership on card activation
Tata Neu Infinity HDFC Bank Credit Card
5% NeuCoins on Tata Brands & 8 Lounge Visits
- 5% back as NeuCoins on Non-EMI Spends on partner Tata Brands & 1.5% back on Non-Tata Brands
- Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website
- 8 Complimentary Domestic Lounge Accesses per year (2/quarter) & 4 International Lounges (1/quarter)
Tata Neu Plus HDFC Bank Credit Card
Everyday Rewards Across the Tata Ecosystem
- 2% back as NeuCoins on Non-EMI Spends on partner Tata Brands
- 1% back as NeuCoins on Non-Tata Brand Spends and Merchant EMI Spends; +5% on Tata Neu App
- 4 Complimentary Domestic Lounge Accesses per calendar year (1 in a quarter)
HDFC Bank MoneyBack+ Credit Card
10X CashPoints on Everyday Spends & Shopping
- 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
- ₹500 worth gift vouchers on spends of ₹50,000 and above in each calendar quarter
- Up to 20% discount on partner restaurants via Swiggy Dineout
HDFC Bank Credit Card Eligibility Criteria
Review the core eligibility requirements and official bureau rules below to ensure the highest chance of instant card approval.
Age & Nationality
21 – 60 years for Salaried; 21 – 65 years for Self-Employed individuals. Indian resident.
Minimum Income Benchmark
Net monthly salary > ₹20,000 for Salaried; Latest ITR > ₹6 Lakhs for Self-Employed.
Credit Score (CIBIL)
CIBIL Score of 730+ preferred. Scores of 750+ unlock instant digital approval & higher limits.
Active Credit Vintage
Active credit card or loan vintage of 6+ months with minimum credit limit of ₹30,000.
- Ensure total overdue amount across all credit products is strictly NIL
- Maintain clean payment track record with zero 30+ DPD in the last 24 months
- Keep unsecured credit enquiries under 5 within the preceding 3 months
- Apply using your Aadhaar-linked active mobile number for fast video KYC
- Re-apply within 90 days of an earlier HDFC card application attempt
- Apply with any written off, settled, or willful default status on your bureau
- Submit non-serviceable residential addresses or incorrect company names
- Apply if occupation type is student or retired (consider FD-backed card instead)
Get your card in 3 simple steps
Fill out the application online with instant digital approval for your HDFC Bank credit card
Personal Details
Name, Mobile Number, City, PAN, DOB and other identification parameters.
Professional Details
Occupation type, monthly income details, designation, and company name.
KYC Details
Address details, Pin Code, and digital verification credentials.
5 Smart Tips to Manage Your Credit Card
Pay your total outstanding balance on time to avoid interest charges and preserve a strong CIBIL score.
To benefit from reduced interest rates and manageable installments, convert large expenses into EMIs.
Avoid cash withdrawals because they incur charges instantly, as they don’t have an interest-free period.
Keep track of your spending on a regular basis to avoid financial strain and stay within your budget.
Avoid multiple credit card applications, as your credit score may be impacted by repeated hard inquiries.
Do’s and Don’ts for Credit Cards
Do’s
Choose a card that matches your lifestyleTrack your credit card statement monthlyMake timely, full payments on your credit card billsSpend within your means to avoid debtMake purchases to maximise your interest-free period
Don’tsHow to Choose the Right Credit Card?
You should choose a credit card that offers the highest rewards on spending in the categories that you spend most of your time in
Choosing the right credit card for you depends on your credit profile, so you should make sure you understand it before selecting one
The best credit card for you should be one that suits your needs, so you should apply for it if you are looking for one
Having a clear understanding of all the terms, hidden charges, and penalties is very important before you apply for a loan
Ready to Get Your Perfect HDFC Credit Card?
Compare top HDFC Bank credit cards, apply digitally, and start earning rewards today