{"id":2189,"date":"2025-12-17T19:15:00","date_gmt":"2025-12-17T13:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=2189"},"modified":"2025-12-17T17:12:46","modified_gmt":"2025-12-17T11:42:46","slug":"5-best-hdfc-bank-credit-cards-in-india-2026-for-cashback-lifestyle-and-maximum-benefits","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/5-best-hdfc-bank-credit-cards-in-india-2026-for-cashback-lifestyle-and-maximum-benefits\/","title":{"rendered":"5 Best HDFC Credit Cards in India (2026) for Cashback, Lifestyle, and Maximum Benefits"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong> <em>HDFC Bank offers some of the best credit card options for different spending needs. This article lists cards with a range of benefits and perks for different types of users, check out the one that suits you best.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Credit cards are no longer just for emergencies or big purchases, they are one of the smartest financial tools to save money while spending it. From cashback on food orders, reward points on shopping, to airport lounge access and lifestyle perks, a good credit card can quietly upgrade your daily life.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3064517662\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<p>And when it comes to trust, HDFC Bank stands out. With over 20 million active card users, it is one of India\u2019s most trusted private banks, and has a card option for almost every type of spender, including beginners, shoppers, travelers, and high-end spenders.<\/p>\n\n\n\n<p>With 2026 around the corner, this is the perfect time to rethink your credit card choice and make sure you\u2019re using one that actually gives value back.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-905769490\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<p>And if you\u2019re confused about which HDFC credit card is right for you in 2026, don\u2019t worry. This list breaks down the 5 best HDFC credit cards and their fees, rewards and benefits, so you can choose smartly without feeling overwhelmed.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1298662021\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quick-comparison-table\"><strong>Quick Comparison Table<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Card Name<\/strong>&nbsp;<\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Joining Fee\/Annual fee<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Best Suited for<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>HDFC Millennia<\/strong>&nbsp;<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b91,000 + GST <\/td><td class=\"has-text-align-left\" data-align=\"left\">Online shoppers<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>HDFC Regalia Gold<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b92,500 + GST<\/td><td class=\"has-text-align-left\" data-align=\"left\">Frequent travellers<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>HDFC MoneyBack+<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b9500 + GST <\/td><td class=\"has-text-align-left\" data-align=\"left\">Beginners &amp; low spenders<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Swiggy HDFC Card<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b9500 + GST <\/td><td class=\"has-text-align-left\" data-align=\"left\">Food &amp; online spenders<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Mariott Bonvoy HDFC Card<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b93000 + Taxes<\/td><td class=\"has-text-align-left\" data-align=\"left\">High spenders &amp; frequent travellers<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-hdfc-credit-cards-in-india-2026\"><strong>Best HDFC Credit Cards in India 2026<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hdfc-millennia-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/millennia-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>HDFC Millennia Credit Card<\/strong><\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"500\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/HDFC-Millennia-Credit-Card.jpg\" alt=\"HDFC Millennia Credit Card\" class=\"wp-image-544\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/HDFC-Millennia-Credit-Card.jpg 750w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/HDFC-Millennia-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 750px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee: <\/strong>\u20b91,000+GST<\/li>\n\n\n\n<li>Renewal fee waived on spending over \u20b91,00,000 per year.<\/li>\n<\/ul>\n\n\n\n<p><strong>Eligibility:<\/strong>Any salaried Indian citizen within the age bracket of 21-40 years can apply. The minimum net monthly income required is \u20b935,000 and if you are a self employed person your ITR should be above \u20b96 Lakh per annum.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits\"><strong>Key Benefits:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get up to 10% cashback on 200+ brands while shopping via SmartBuy\/ PayZapp Shop<\/li>\n\n\n\n<li>Get up to 5% Cashback on Online spends via&nbsp; Amazon, Flipkart, Myntra, Swiggy, Zomato and more<\/li>\n\n\n\n<li>Get 1% cashback on other spends<\/li>\n\n\n\n<li>Get gift voucher worth \u20b91000 or 1 domestic lounge access on spending above \u20b91 Lakh per quarter<\/li>\n\n\n\n<li>Up to 10% additional discount on Swiggy dineout<\/li>\n\n\n\n<li>1% fuel surcharge waiver across all fuel stations in India<\/li>\n\n\n\n<li>Get up to 50 days free interest-free credit<\/li>\n\n\n\n<li>Free lost card liability<\/li>\n<\/ul>\n\n\n\n<p><strong>Who should choose this card?<\/strong><\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-843066396\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<p>This card is<strong> <\/strong>perfect for people who shop online, order food regularly, and want easy cashback.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hdfc-regalia-gold-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/regalia-gold-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>HDFC Regalia Gold Credit Card<\/strong><\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-1024x683.jpg\" alt=\"HDFC Regalia Gold Credit Card\" class=\"wp-image-1330\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee: <\/strong>\u20b92500 + Taxes<\/li>\n\n\n\n<li><strong>Renewal Fee:<\/strong> \u20b92500 + Taxes. The renewal fee can be waived off if you manage to spend&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Eligibility:<\/strong> The applicant must be an Indian resident within the age bracket of 21 to 65 years, have a stable income of more than \u20b9 1 lakh, and a good CIBIL score. Self-employed people should have an annual tax return of more than 12 lakh.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits-0\"><strong>Key Benefits:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complimentary Swiggy One membership<\/li>\n\n\n\n<li>Complimentary MMT Gold Black Membership<\/li>\n\n\n\n<li>Choice of converting large transactions into SmartEMI<\/li>\n\n\n\n<li>Up to 50 days interest-free credit<\/li>\n\n\n\n<li>5X reward points on flight and hotel bookings via SmartBuy<\/li>\n\n\n\n<li>Get up to 10% discount on partner restaurants through Swiggy Dineout<\/li>\n\n\n\n<li>Vouchers worth Rs 1,500 form best Indian brands<\/li>\n\n\n\n<li>Enjoy Dining privileges through the good food trail program<\/li>\n<\/ul>\n\n\n\n<p><strong>Who should choose this card?<\/strong><\/p>\n\n\n\n<p>Ideal for people who travel a few times in a year, book flights and hotels online, and want lounge access.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hdfc-moneyback-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/moneyback-plus-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>HDFC MoneyBack+ Credit Card<\/strong><\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"880\" height=\"587\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-MoneyBaack-Credit-Card-edited.jpg\" alt=\"HDFC MoneyBack+ Credit Card\" class=\"wp-image-1796\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-MoneyBaack-Credit-Card-edited.jpg 880w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-MoneyBaack-Credit-Card-edited-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 880px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee: <\/strong>\u20b9500 + GST<\/li>\n\n\n\n<li><strong>Renewal Fee <\/strong>is waived off on spending above Rs 50,000<\/li>\n<\/ul>\n\n\n\n<p><strong>Eligibility:<\/strong> Any salaried or self-employed Indian citizen within the age bracket of 21-60 years can apply. The minimum income requirement is Rs 20,000 per month and for a self-employed individual it is Rs 6 lakh per annum.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits-1\"><strong>Key Benefits:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get 10X cash points on spending on Amazon, Flipkart, Swiggy, Reliance Smart &amp; BigBasket.<\/li>\n\n\n\n<li>Get 2 cash points on every Rs 150 spent on other spends.<\/li>\n\n\n\n<li>Get 500 reward points after paying the joining fee<\/li>\n\n\n\n<li>Cashback can be redeemed and used for travel or flight\/hotel bookings.<\/li>\n\n\n\n<li>10% additional discount on Swiggy Dineout<\/li>\n\n\n\n<li>1% fuel surcharge waiver<\/li>\n\n\n\n<li>Smart EMI conversion<\/li>\n\n\n\n<li>Free lost card liability<\/li>\n\n\n\n<li>Up to 50 days interest free credit from the purchase day<\/li>\n<\/ul>\n\n\n\n<p><strong>Who should choose this card?<\/strong><\/p>\n\n\n\n<p>MoneyBack+ is a good first credit card for&nbsp; students, first-time users, or anyone who wants a low-cost card. It is simple, affordable, and easy to manage.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/love-eating-out-these-7-dining-credit-cards-give-you-maximum-savings-in-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Love Eating Out? These 7 Dining Credit Cards Give You Maximum Savings in 2026<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-swiggy-hdfc-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/swiggy-hdfc-bank-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Swiggy HDFC Credit Card<\/strong><\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-1024x683.jpg\" alt=\"Swiggy HDFC Credit Card\" class=\"wp-image-1960\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee<\/strong>: \u20b9500 + GST<\/li>\n\n\n\n<li><strong>Renewal Fee <\/strong>is waived off on spending \u20b92,00,000 or more per year.<\/li>\n<\/ul>\n\n\n\n<p><strong>Eligibility:<\/strong> Any salaried or self-employed Indian citizen aged 21-60 years can apply. The minimum income requirement is Rs 15,000 per month and for a self-employed individual it is Rs 6 lakh per annum.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits-2\"><strong>Key Benefits:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 Months complimentary Swiggy One membership<\/li>\n\n\n\n<li>5% cashback on online spends across selected apps and websites<\/li>\n\n\n\n<li>1% cashback on other spends except fuel, rent, jewellery, EMI, government spends<\/li>\n\n\n\n<li>10% CashBack on spending on food order, instamart, dineout and genie via Swiggy<\/li>\n\n\n\n<li>Up to 50 days of interest-free Credit<\/li>\n\n\n\n<li>12 free golf courses lessons worldwide<\/li>\n\n\n\n<li>50% discount on green fee golf services beyond complimentary sessions<\/li>\n\n\n\n<li>Chance to convert big purchases into Smart EMI<\/li>\n<\/ul>\n\n\n\n<p><strong>Who should choose this card?<\/strong><\/p>\n\n\n\n<p>This card is made for people who spend a lot on food delivery and online shopping.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-marriott-bonvoy-hdfc-card\"><a href=\"https:\/\/v.hdfcbank.com\/marriott\/index.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Marriott Bonvoy HDFC Card<\/strong><\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/HDFC-Marriott-Bonvoy-1024x640.jpg\" alt=\"Marriott Bonvoy HDFC Card\" class=\"wp-image-584\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/HDFC-Marriott-Bonvoy-1024x640.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/HDFC-Marriott-Bonvoy-980x613.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/HDFC-Marriott-Bonvoy-480x300.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee: <\/strong>Rs 3000 + taxes<\/li>\n\n\n\n<li><strong>Annual fee:<\/strong> Rs 3000 + taxes (no waivers for annual fee)<\/li>\n<\/ul>\n\n\n\n<p><strong>Eligibility:<\/strong> The applicant must be an Indian resident with a stable income of min. 21 years max 60 years. If salaried, your minimum monthly income should be more than 1 lakh and&nbsp; self-employed individuals should have an annual tax return of more than 15 lakh p.a.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits-3\"><strong>Key Benefits:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enjoy complimentary Marriott Bonvoy Silver Elite status<\/li>\n\n\n\n<li>Get up to 4 Free Night Awards on redemption up to 15000 points at selected hotels under Marriott Bonvoy<\/li>\n\n\n\n<li>Earn 8 additional points on spending monthly up to \u20b910 lakh<\/li>\n\n\n\n<li>Earn 2 Points per \u20b9150 for spending monthly above \u20b910 lakh<\/li>\n\n\n\n<li>12 complimentary Domestic and International Lounge access<\/li>\n\n\n\n<li>Get 4 Marriott Bonvoy Points on every \u20b9150 spent on eligible purchases on Travel, Dining &amp; Entertainment.<\/li>\n\n\n\n<li>Get complimentary 2 golf courses access and 2 golf course lessons per quarter, across the world.<\/li>\n<\/ul>\n\n\n\n<p><strong>Who should choose this card?<\/strong><\/p>\n\n\n\n<p>Choose this card if you travel often, spend heavily on travel, dining, entertainment and want luxury benefits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-words\"><strong>Final Words<\/strong><\/h2>\n\n\n\n<p>There is no single best HDFC credit card, the best card is the one that matches your spending habits.<\/p>\n\n\n\n<p>If you want luxury and travel, go for Infinia or Regalia Gold. If you love shopping online, Millennia is a smart pick. If getting food orders every day is your thing, then you should opt for Swiggy HDFC Card. And if you\u2019re just starting out, MoneyBack+ is the best card to handle as a beginner.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by Supriya<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: HDFC Bank offers some of the best credit card options for different spending needs. This article lists cards with a range of benefits and perks for different types of users, check out the one that suits you best. Credit cards are no longer just for emergencies or big purchases, they are one of the [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2192,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Synopsis:<\/strong> <em>HDFC Bank offers some of the best credit card options for different spending needs. This article lists cards with a range of benefits and perks for different types of users, check out the one that suits you best.<\/em><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:paragraph -->\n<p>Credit cards are no longer just for emergencies or big purchases, they are one of the smartest financial tools to save money while spending it. From cashback on food orders, reward points on shopping, to airport lounge access and lifestyle perks, a good credit card can quietly upgrade your daily life.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>And when it comes to trust, HDFC Bank stands out. With over 20 million active card users, it is one of India\u2019s most trusted private banks, and has a card option for almost every type of spender, including beginners, shoppers, travelers, and high-end spenders.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>With 2026 around the corner, this is the perfect time to rethink your credit card choice and make sure you\u2019re using one that actually gives value back.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>And if you\u2019re confused about which HDFC credit card is right for you in 2026, don\u2019t worry. This list breaks down the 5 best HDFC credit cards and their fees, rewards and benefits, so you can choose smartly without feeling overwhelmed.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-quick-comparison-table\"><strong>Quick Comparison Table<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:table {\"hasFixedLayout\":false,\"className\":\"is-style-stripes\"} -->\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Card Name<\/strong>\u00a0<\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Joining Fee\/Annual fee<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Key Features<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Best Suited for<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>HDFC Infinia<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Invite Only<\/td><td class=\"has-text-align-left\" data-align=\"left\">5 Reward Points for every \u20b9 150 spent24 x 7 Global Personal ConciergeUnlimited lounge<\/td><td class=\"has-text-align-left\" data-align=\"left\">High spenders &amp; frequent travellers<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>HDFC Millennia<\/strong>&nbsp;<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b91,000+GSTRenewal fee waived on spending over \u20b91,00,000 per year<\/td><td class=\"has-text-align-left\" data-align=\"left\">5% Cashback on online spends via Amazon, Flipkart, Myntra, Swiggy, Zomato and more\u20b91000 worth gift voucher on spending over \u20b91 Lakh per calendar quarter1% CashBack on other spend<\/td><td class=\"has-text-align-left\" data-align=\"left\">Online shoppers<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>HDFC Regalia Gold<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b92,500+GSTAnnual fee is waived on \u20b94L annual spend<\/td><td class=\"has-text-align-left\" data-align=\"left\">Complimentary Swiggy One membershipUp to 50 days interest-free credit5X rewards on flight and hotel booking via SmartBuyVouchers worth Rs 1,500 on some of the best Indian Brands<\/td><td class=\"has-text-align-left\" data-align=\"left\">Frequent travellers<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>HDFC MoneyBack+<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b9500+GSTAnnual fee is waived on \u20b950,000 annual spend<\/td><td class=\"has-text-align-left\" data-align=\"left\">10% additional off on Swiggy DineoutGift vouchers worth \u20b9500 on spending above \u20b950,000 every quarter10X CashPoints on Amazon, Flipkart, Swiggy and more<\/td><td class=\"has-text-align-left\" data-align=\"left\">Beginners &amp; low spenders<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Swiggy HDFC Card<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u20b9500+GSTAnnual fee is waived on \u20b92,00,000 annual spend&nbsp;<\/td><td class=\"has-text-align-left\" data-align=\"left\">Flat 10% cashback on Swiggy spendsComplimentary 3 Months Swiggy One MembershipUp to 50 days of interest-free Credit from the purchase date<\/td><td class=\"has-text-align-left\" data-align=\"left\">Food &amp; online spenders<\/td><\/tr><\/tbody><\/table><\/figure>\n<!-- \/wp:table -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-best-hdfc-credit-cards-in-india-2026\"><strong>Best HDFC Credit Cards in India 2026<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"h-hdfc-infinia-metal-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/infinia-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Infinia Metal Credit Card<\/a><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":677,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/hdfc-infinia-experience-1024x640.jpg\" alt=\"HDFC Infinia Metal Credit Card\" class=\"wp-image-677\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Fee: <\/strong>This is an invite-only card.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Eligibility:<\/strong> As this card is an invite-only card, the bank offers it to selected customers only. You will be informed personally once the bank has assessed your eligibility.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits\"><strong>Key Benefits:<\/strong><\/h4>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Cardholders get a Complimentary Club Marriott membership for first year as a\u00a0 welcome offer<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get 12,500 reward points as the joining bonus<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get 10x Reward Points on spending via SmartBuy<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Enjoy travel benefits like booking 3 nights for the price of 2 at partner ITC hotels.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Earn 5 reward points after every Rs 150 spent<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Unlimited global lounge access for primary and add-on card holders<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Complimentary unlimited Global golf lessons<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get a complimentary Club Marriott membership and up to 25% discount on dining and staying across Asia<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Additional Travel Insurance benefits worth Rs 3 Crore<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Premium Concierge Service<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% Fuel Surgecharge Waiver<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Who should choose this card?<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Choose Infinia if you travel often, spend heavily every year, and want luxury benefits.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"h-hdfc-millennia-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/millennia-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Millennia Credit Card<\/a><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":544,\"width\":\"350px\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/HDFC-Millennia-Credit-Card.jpg\" alt=\"HDFC Millennia Credit Card\" class=\"wp-image-544\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Fee: <\/strong>\u20b91,000+GST<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Renewal fee waived on spending over \u20b91,00,000 per year.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Eligibility:<\/strong>Any salaried Indian citizen within the age bracket of 21-40 years can apply. The minimum net monthly income required is \u20b935,000 and if you are a self employed person your ITR should be above \u20b96 Lakh per annum.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits\"><strong>Key Benefits:<\/strong><\/h4>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Get up to 10% cashback on 200+ brands while shopping via SmartBuy\/ PayZapp Shop<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get up to 5% Cashback on Online spends via\u00a0 Amazon, Flipkart, Myntra, Swiggy, Zomato and more<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get 1% cashback on other spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get gift voucher worth \u20b91000 or 1 domestic lounge access on spending above \u20b91 Lakh per quarter<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Up to 10% additional discount on Swiggy dineout<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% fuel surcharge waiver across all fuel stations in India<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get up to 50 days free interest-free credit<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Free lost card liability<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Who should choose this card?<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This card is<strong> <\/strong>perfect for people who shop online, order food regularly, and want easy cashback.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"h-hdfc-regalia-gold-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/regalia-gold-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Regalia Gold Credit Card<\/a><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":1330,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-1024x683.jpg\" alt=\"HDFC Regalia Gold Credit Card\" class=\"wp-image-1330\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Fee: <\/strong>\u20b92500 + Taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Renewal Fee:<\/strong> \u20b92500 + Taxes. The renewal fee can be waived off if you manage to spend&nbsp;<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Eligibility:<\/strong> The applicant must be an Indian resident within the age bracket of 21 to 65 years, have a stable income of more than \u20b9 1 lakh, and a good CIBIL score. Self-employed people should have an annual tax return of more than 12 lakh.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits\"><strong>Key Benefits:<\/strong><\/h4>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Complimentary Swiggy One membership<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Complimentary MMT Gold Black Membership<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Choice of converting large transactions into SmartEMI<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Up to 50 days interest-free credit<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>5X reward points on flight and hotel bookings via SmartBuy<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get up to 10% discount on partner restaurants through Swiggy Dineout<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Vouchers worth Rs 1,500 form best Indian brands<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Enjoy Dining privileges through the good food trail program<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Who should choose this card?<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ideal for people who travel a few times in a year, book flights and hotels online, and want lounge access.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"h-hdfc-moneyback-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/moneyback-plus-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC MoneyBack+ Credit Card<\/a><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":1796,\"width\":\"350px\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-MoneyBaack-Credit-Card-edited.jpg\" alt=\"HDFC MoneyBack+ Credit Card\" class=\"wp-image-1796\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Fee: <\/strong>\u20b9500 + GST<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Renewal Fee <\/strong>is waived off on spending above Rs 50,000<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Eligibility:<\/strong> Any salaried or self-employed Indian citizen within the age bracket of 21-60 years can apply. The minimum income requirement is Rs 20,000 per month and for a self-employed individual it is Rs 6 lakh per annum.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits\"><strong>Key Benefits:<\/strong><\/h4>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Get 10X cash points on spending on Amazon, Flipkart, Swiggy, Reliance Smart &amp; BigBasket.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get 2 cash points on every Rs 150 spent on other spends.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Get 500 reward points after paying the joining fee<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Cashback can be redeemed and used for travel or flight\/hotel bookings.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>10% additional discount on Swiggy Dineout<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% fuel surcharge waiver<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Smart EMI conversion<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Free lost card liability<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Up to 50 days interest free credit from the purchase day<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Who should choose this card?<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>MoneyBack+ is a good first credit card for&nbsp; students, first-time users, or anyone who wants a low-cost card. It is simple, affordable, and easy to manage.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/top-3-lifetime-free-icici-bank-credit-cards-for-2026-features-and-benefits-explained\/\" target=\"_blank\" rel=\"noreferrer noopener\">Top 3 Lifetime Free ICICI Bank Credit Cards for 2026; Features and Benefits Explained<\/a><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"h-swiggy-hdfc-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/swiggy-hdfc-bank-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Swiggy HDFC Credit Card<\/a><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":1960,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-1024x683.jpg\" alt=\"Swiggy HDFC Credit Card\" class=\"wp-image-1960\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Fee<\/strong>: \u20b9500 + GST<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Renewal Fee <\/strong>is waived off on spending \u20b92,00,000 or more per year.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Eligibility:<\/strong> Any salaried or self-employed Indian citizen aged 21-60 years can apply. The minimum income requirement is Rs 15,000 per month and for a self-employed individual it is Rs 6 lakh per annum.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits\"><strong>Key Benefits:<\/strong><\/h4>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3 Months complimentary Swiggy One membership<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>5% cashback on online spends across selected apps and websites<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% cashback on other spends except fuel, rent, jewellery, EMI, government spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>10% CashBack on spending on food order, instamart, dineout and genie via Swiggy<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Up to 50 days of interest-free Credit<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>12 free golf courses lessons worldwide<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>50% discount on green fee golf services beyond complimentary sessions<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Chance to convert big purchases into Smart EMI<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Who should choose this card?<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This card is made for people who spend a lot on food delivery and online shopping.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-final-words\"><strong>Final Words<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There is no single best HDFC credit card, the best card is the one that matches your spending habits.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you want luxury and travel, go for Infinia or Regalia Gold. If you love shopping online, Millennia is a smart pick. If getting food orders every day is your thing, then you should opt for Swiggy HDFC Card. And if you\u2019re just starting out, MoneyBack+ is the best card to handle as a beginner.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Written by Supriya<\/strong><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[1022,651,19,1023,1021],"ppma_author":[1013],"class_list":["post-2189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-best-hdfc-credit-cards","tag-credit-card","tag-credit-cards","tag-hdfc-credit-card","tag-hdfc-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Best HDFC Bank Credit Cards in India (2026) for Cashback, Lifestyle, and Maximum Benefits<\/title>\n<meta name=\"description\" content=\"HDFC Bank offers some of the best credit card options for different spending needs. 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