Synopsis: Many HDFC credit cards come with high fees, but a few useful options cost ₹500 or less per year and are suitable for shopping, bills, fuel, and travel. This article lists such HDFC credit cards to help you get maximum savings on your daily spends.
Paying a high annual fee only makes sense when your spending is high and your need some premium benefits. But if you are a beginner or a student, young professionals or a regular spender, then a simple low-fee credit card will work better for you. You get almost every benefits like every other usual cards at a very low cost.
Here are the best HDFC credit cards under ₹500 annual fee worth having for maximum spendings.
HDFC MoneyBack+ Credit Card
- Joining fee: ₹500 + GST
- Annual fee: ₹500 + GST ( waived on spending around ₹50,000 per year)
Key Features & Benefits
- 10X CashPoints on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket
- 2 CashPoints per Rs 150 spent on other spends
- Get 500 Reward Points after paying the joining fee
- 1% Fuel Surcharge waiver on fuel transactions
- 10%* additional discount on Swiggy Dineout
- Up to 50 days of interest free credit
Who Should Choose This Card
This card is ideal for first-time credit card users and people who want a safe, reliable card for daily expenses. Opt this card if your spending is regular but not very high.
HDFC Freedom Credit Card
- Joining fee: ₹500 + GST
- Annual fee: ₹500 + GST Waived on spending around ₹50,000 in a year)
Key Features & Benefits
- 1 Reward Point for every ₹150 spent
- 10X CashPoints on your favourite merchants – Big Basket, BookMyshow, OYO, Swiggy & Uber
- Get ₹1,000 CashPoints on Shopping via PayZapp over 200 plus brands
- 10% additional discount on Swiggy Dineout
- 1% fuel surcharge waiver
Who Should Choose This Card
This card is for users who want predictable benefits with low effort, this is a good choice.
HDFC Pixel Play Credit Card
- Joining fee: ₹500 + GST
- Annual fee: ₹500 + GST (waived on spending above ₹1 lakh or more in a year)
Key Features & Benefits
- 5% cashback on any two of the category:
- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
- 3% CashBack on Amazon, Flipkart or PayZapp
- Up to 10% savings off on all your restaurant bill payments via Swiggy Dineout
- Customise card benefits to fit your lifestyle.
- Select merchants of your choice to earn CashBack.
- Choose card design and your preferred billing cycle date
Who Should Choose This Card
This card is best for users who prefer cashback over points. If you want clear savings without learning reward charts, Pixel Play works well.
Also Read: 5 Best Low Fee Fuel Credit Cards for Maximum Savings on Petrol and Diesel (2026)
HDFC 6E Rewards Credit Card
- Joining fee: ₹500 + GST
- Annual fee: ₹500 + GST
Key Features & Benefits
- 1 6E Rewards per ₹100 Spends on all other spends
- 2.5 6E rewards per Rs 100 spent on flight bookings via Indigo app
- 2 6E rewards per Rs 100 spent on grocery, dining and entertainment
- Complimentary flight ticket worth Rs 1500 with 1 complimentary 6E prime add on
- Fee discounts on Indigo ticket Rs 150 per person on convenience charges
- Exclusive dining benefits with good food trail dining program at partnered restaurants
- Get up to 50 days interest-free credit
- 3.5% forex markup
Who Should Choose This Card
If you travel with IndiGo once or twice a year and want a low-cost travel card, this is a smart option. It also works for normal spending in between trips.
Tata Neu Plus HDFC Bank Credit Card
- Joining fee: ₹500 + GST
- Annual fee: ₹500 + GST (waived on spending above Rs 1 lakh)
Key Features & Benefits
- 2% back as NeuCoins on Tata Neu and partner Tata Brand Spends
- 1% back as NeuCoins on other Non-UPI spends
- Earn additional 5% back as NeuCoins on eligible categories on Tata Neu App/Website
- Earn up to 1% back as NeuCoins on eligible UPI spends
- Complimentary domestic lounge Voucher on spends of Rs 50,000 or more in a calendar quarter
- Get 499 NeuCoins on Tata Neu app as a welcome bonus
- Get one complimentary lounge visit per calendar on spending above Rs 50,000 or more
- 1% fuel surcharge waiver
Who Should Choose This Card
This card is best for users who frequently shop on Tata platforms. If you already spend on Tata brands, this card gives easy returns without extra effort.
HDFC Best Price Save Smart Credit Card
- Joining fee: ₹500 + GST
- Annual fee: ₹500 + GST
Key Features & Benefits
- 1% cashback on all best prices spends up to Rs 10,000 per month
- Assured cashback of Rs 500 on spending Rs 25,000 per month
- Rs 250 cashback on spending on Rs 10,000 on dining, utility bills or IRCTC
- 0.5% cashback for every Rs 150 spent on retail purchases
- Save up to 20% on dineouts on paying via Dineout pay (capped at Rs 1000)
- Up to 50 days of interest-free credit
Who Should Choose This Card
This card is suitable for small business owners, shopkeepers, and self-employed individuals who make bulk purchases regularly. It is not meant for lifestyle benefits but works well for business-related spending.
Also Read: 5 Low-Fee SBI Credit Cards With Exciting Cashback, 10x Rewards and Lounge Access (2026)
IRCTC HDFC Bank Credit Card
- Joining fee: ₹500+ GST
- Annual fee: ₹500 + GST (waived off on spending ₹1,50,000)
Key Features & Benefits
- Gift voucher worth ₹500 upon activating the card
- 5 Reward Point for every ₹100 spent on IRCTC ticketing website and Rail Connect App.
- Gift Voucher worth ₹500 on quarterly spending above ₹30,000
- 5% cashback on train ticket booking via SmartBuy
- 1% transaction charges waiver on transactions made through IRCTC app
- 1 reward point for every INR 100 spent on travel
- Rs 1000 cashback across 200+ brands via PayZapp
- Up to 50 days interest-free credit
Who Should Choose This Card
This card is ideal for people who travel by train often. If you or your family regularly book train tickets, this card can help you save money without paying a high annual fee.
HDFC IndianOil Credit Card
- Joining fee: ₹500 + GST
- Annual fee: ₹500 + GST (waived on spending above Rs 50,000 per year)
Key Features & Benefits
- Earn up to 50 Litres of Free fuel annually
- Earn 5% of your spends as Fuel Points at IndianOil outlets
- Earn 5% of your spends as Fuel Points on Groceries and Bill Payments
- Earn 1 fuel point for every Rs 150 spent on other purchases including UPI (capped at Rs 250 for the first 6 months and Rs 150 after six months)
- Earn additional cashback on utility bills, mobile recharge and more via PayZapp
- Get Rs 1000 cashback on shopping via PayZapp in 200+ banks
- Get up to 50 days interest-free credit
- 1% fuel surge charge waiver
Who Should Choose This Card
People who spend regularly on fuel. If petrol expenses are a fixed monthly cost for you, this card might help you save some extra.
Cards That Can Be Lifetime Free / Very Low Fee
Flipkart Wholesale HDFC Bank Credit Card
- Joining fee: Nil
- Annual fee: ₹500 + GST (waived on spending above Rs.3 lakh or more in a year)
Key Features & Benefits
- 5% CashBack on Flipkart Wholesale Online Spends capped at Rs.2000 per month
- 5% CashBack on Telecom, Utility, Govt & Tax Payments up to Rs. 250 per month
- 1% CashBack on all other spends will be capped at 25,000 per month
- ₹500 CashBack per transaction on first 3 purchases within 90 days of card activation
- 1% fuel surcharge waiver
- Get up to 50 days interest-free credit
Who Should Choose This Card
This card is ideal for retailers, kirana store owners, and small traders who purchases goods from Flipkart Wholesale. It is useful for business-focused people.
HDFC Bank UPI RuPay Pixel Go Credit Card (Now also available on FD Back-up)
- Joining fee: ₹250 + GST
- Annual fee: ₹250+ GST (waived off on spending on ₹50,000 per year)
Key Features & Benefits
- 1% CashBack on eligible transactions
- 5% Cashback on eligible categories SmartBuy
- 1% Cashback on UPI spends
- Get joining fee waived on spending above Rs 10,000
- Easy EMI conversions via App
- Up to 50 days interest-free credit
Who Should Choose This Card
This card is best for users who rely heavily on UPI payments but want the advantages of a credit card. It is especially useful for beginners who want an easy transition from UPI to credit.
Final Thoughts
A credit card does not need to be premium to be useful. HDFC’s low-fee credit cards prove that even simple cards can deliver real value. The key is choosing a card that matches your spending habits, not one that looks flashy.
If you are starting your credit journey or want a stress-free card for daily use, these ₹500 annual fee cards are some of the smartest options available.
Written by Supriya
