Expert Selection 2026
Best Credit Cards for HDFC BANK LTD
India's largest private bank and top credit card issuer with 49+ cards across all segments.
Recommended Cards (20)
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Top Choice
HDFC BANK LTD
HDFC Bank MoneyBack Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Cashback on everyday spends
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank AllMiles Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- Travel-focused rewards
- Mile accumulation on spends
- Fuel surcharge waiver capped at ₹250 every billing cycle
HDFC BANK LTD
HDFC Bank Doctor's Superia Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- Specialized version of Superia for doctors
- Similar cashpoint structure
- Fuel surcharge waiver capped at ₹250 every billing cycle
HDFC BANK LTD
HDFC Bank Superia Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- 3% cashpoints on groceries, supermarket & dining spends & all PayZapp transactions
- 2% cashpoints on utility spends
- 1% cashpoints on other spends
HDFC BANK LTD
HDFC Bank PIXEL Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Similar to PIXEL RuPay but without UPI cashback
- 5% cashback on choice of any 2 packs
- 3% cashback on choice of one e-commerce merchant
HDFC BANK LTD
HDFC Bank PIXEL RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- 5% cashback on choice of any 2 packs from categories like dining, travel, grocery, electronics, and fashion
- 3% cashback on choice of one e-commerce merchant (Amazon, Flipkart, or PayZapp)
- 1% unlimited cashback on all other spends
HDFC BANK LTD
HDFC Bank UPI RuPay Biz Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Business version of UPI RuPay credit card
- 1% cashback on UPI spends
- Business-oriented benefits
HDFC BANK LTD
HDFC Bank UPI RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Enabled for UPI payments
- 1% cashback on UPI spends
- Link to UPI-enabled apps like PayZapp
HDFC BANK LTD
HDFC Bank Easy EMI Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Auto-conversion of purchases of ₹10,000 or more to EMI (9 months)
- Interest rate of 20% per annum on EMIs
- Processing fee of ₹99 + GST
HDFC BANK LTD
HDFC Freedom Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- No income documents required
- Gift voucher of ₹1,000 on annual spends of ₹90,000 and above
- Redeem reward points as cashback
HDFC BANK LTD
HDFC Bank MoneyBack+ Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Enhanced cashback on everyday spends
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank Millennia Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
- 1% cashback on all other spends (except fuel)
- ₹1,000 worth gift vouchers on quarterly spends of ₹1,00,000 and above
HDFC BANK LTD
HDFC Business Bharat CashBack Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Cashback benefits for business users
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Business Freedom Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Basic freedom-oriented business card
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Business MoneyBack Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Cashback-focused business card
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank Business Platinum Credit Card
Excellent
Expert Score5.0
Joining Fee
₹299
Annual Fee
₹299
- Basic business credit card
- Fuel surcharge waiver capped at ₹500 every billing cycle
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank BizFirst Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Entry-level business card
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank BizGrow Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Mid-tier business card
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank Biz Power Credit Card
Excellent
Expert Score5.0
Joining Fee
₹2,500
Annual Fee
₹2,500
- Premium business credit card
- Extended interest-free credit period (25-55 days)
- Business-focused rewards
HDFC BANK LTD
Paytm HDFC Bank Digital Credit Card
Excellent
Expert Score5.0
Joining Fee
₹149
Annual Fee
₹149
- Digital-only card
- Basic cashback benefits
- No cash withdrawal facility
Frequently Asked Questions
How do I choose the best credit card for HDFC BANK LTD?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for HDFC BANK LTD with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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