HDFC Credit Cards India 2026 – Cashback, Fuel, Lifestyle
Compare HDFC Bank credit cards with real yearly savings. From HDFC Millennia (5% on 8 platforms) to HDFC Regalia Gold (premium lifestyle) — find the right HDFC card for your spending.
HDFC Credit Cards — Quick Comparison 2026
| Card | Annual Fee | Top Benefit | Best For | Apply |
|---|---|---|---|---|
| HDFC Millennia | ₹1,000 (waived ₹1L) | 5% on Amazon/Flipkart/Swiggy | Online shoppers | Apply |
| HDFC Regalia Gold | ₹2,500 (waived ₹4L) | 4 RP/₹150, milestone vouchers, lounge | Premium lifestyle | Apply |
| HDFC Indian Oil | ₹500 | 5% fuel points at IOCL | IOCL fuel users | Apply |
| HDFC Swiggy | ₹500 (waived ₹2L) | 10% cashback on Swiggy | Swiggy power users | Apply |
| HDFC Diners Black | ₹10,000 (waived ₹8L) | 10X on Smartbuy + unlimited lounge | Ultra premium | Apply |
HDFC Millennia Credit Card
Best for Online⭐ 4.8/5Annual Fee
₹1,000
Fee Waiver
₹1,00,000/year
ROI — ₹10K/month partner spends
₹6,000/year net (after ₹1K fee)
- •5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Ola, Tata CLiQ, Hotels.com, BookMyShow
- •2.5% CashPoints on all other online spends
- •1% CashPoints on offline spends and wallet top-ups
- •Quarterly CashPoints capped at 1,000 (₹1,000 value) on 5% spend
- •1% fuel surcharge waiver on ₹400–₹5,000 transactions
- •Lounge access: 8 domestic per year
Best for: Digital-first millennials spending on Amazon, Flipkart, Swiggy, and Zomato
Apply for HDFC Millennia Credit CardHDFC Regalia Gold Credit Card
Best Lifestyle⭐ 4.7/5Annual Fee
₹2,500
Fee Waiver
₹4,00,000/year
ROI — ₹30K/month spend
₹7,200/year net (after ₹2.5K fee)
- •4 Reward Points per ₹150 spent (base rate ~1.6%)
- •Milestone benefits: ₹1,500 Marriott Bonvoy voucher on ₹5L spend; ₹500 on ₹1.5L
- •Complimentary Priority Pass (2 international lounge visits/year)
- •12 domestic airport lounge visits/year
- •Comprehensive travel insurance up to ₹50,000
- •5% CashPoints on Marks & Spencer, Reliance Digital, and Swiggy
- •Zero cancellation fee on domestic flights and hotels
Best for: Premium spenders who travel frequently and value lounge + milestone benefits
Apply for HDFC Regalia Gold Credit CardHDFC Indian Oil Credit Card
Best for Fuel⭐ 4.5/5Annual Fee
₹500
Fee Waiver
On ₹50,000/year fuel spend
ROI — ₹5K/month IOCL fuel
₹3,000/year fuel savings (after fee)
- •5% fuel points on IndianOil XTRAPOWER network pumps
- •5% fuel points redeemable for free fuel at IOCL pumps
- •1 fuel point per ₹150 on other VISA transactions
- •1% fuel surcharge waiver at all fuel stations
- •Contactless payment enabled
- •Welcome voucher on card issuance
Best for: Car owners who fill fuel exclusively at IndianOil (IOCL) pumps
Apply for HDFC Indian Oil Credit CardHDFC Swiggy Credit Card
Best for Food⭐ 4.6/5Annual Fee
₹500
Fee Waiver
₹2,00,000/year
ROI — ₹6K/month Swiggy + ₹10K online
₹7,200/year net (after ₹500 fee)
- •10% cashback on Swiggy across Food, Instamart, Dineout, and Genie
- •No minimum order requirement for 10% cashback
- •5% cashback on online spends (except fuel, rent, utilities)
- •1% cashback on all other transactions
- •Cap: ₹1,500/month on Swiggy 10%
- •1% fuel surcharge waiver
Best for: Heavy Swiggy users ordering food, groceries, or using Dineout regularly
Apply for HDFC Swiggy Credit CardHDFC Diners Club Black
Ultra Premium⭐ 4.9/5Annual Fee
₹10,000
Fee Waiver
₹8,00,000/year
ROI — ₹80K/month spend
₹25,000+/year net on Smartbuy 10X
- •10X Reward Points on Smartbuy (flights, hotels, Amazon, Apple, Uber, Swiggy)
- •5X Reward Points on dining
- •3X Reward Points on all other transactions
- •Unlimited airport lounge access worldwide (Diners Club network)
- •Golf privileges (6 rounds/year)
- •Insurance: Air accident ₹2 crore, travel medical USD 500K
- •Annual fee reversal vouchers on milestone spends
Best for: High-income professionals spending ₹60K+/month seeking unlimited lounge + concierge
Apply for HDFC Diners Club BlackMethodology & Disclaimer
Reward rates and fee thresholds sourced from HDFC Bank official T&C documents (March 2026). ROI = Annual Rewards − Effective Annual Fee at stated spend levels. CashPoint value: 1 CashPoint = ₹1. Reward Point value: 1 RP = ₹0.30 (standard redemption).
FAQs — HDFC Credit Cards 2026
Which is the best HDFC credit card in India 2026?
Best HDFC cards: Millennia (5% on 8 online platforms, fee ₹1K waived ₹1L) for online spenders, Regalia Gold (premium lifestyle, lounge, milestone vouchers) for high spenders, Indian Oil (5% fuel at IOCL) for car owners, Swiggy (10% cashback) for food delivery users.
Is HDFC Millennia credit card worth it in 2026?
Yes. At ₹10K monthly partner spends, you earn ₹6,000/year net after the ₹1K annual fee. The fee is waived at ₹1L annual spend. Best for those spending on Amazon, Flipkart, Swiggy, Zomato.
What is HDFC credit card fee waiver threshold?
HDFC Millennia: ₹1L/year. Regalia Gold: ₹4L/year. Swiggy: ₹2L/year. Indian Oil: varies. Diners Black: ₹8L/year.
Which HDFC credit card is best for fuel?
HDFC Indian Oil gives 5% fuel points at IndianOil XTRAPOWER pumps. Best HDFC fuel card for IOCL users.
Does HDFC have lifetime free credit cards in 2026?
HDFC does not have truly lifetime free cards. However, fee waivers make most cards effectively free. For truly free cards, see Axis MyZone RuPay or IndusInd Legend.
What is HDFC Regalia Gold credit card best for?
HDFC Regalia Gold is best for premium lifestyle: milestone vouchers, lounge access, Priority Pass, travel insurance. Best for spending ₹25K+/month.
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