HDFC Bank continues to lead the credit card market in India, holding a 22% share as of January 2025, reflecting its broad consumer base and diverse card offerings. This incredible feat has prompted users around the country to seek HDFC credit cards for its various benefits, making it the most in-demand credit card issuer. Out of the many advantageous cards in its portfolio, there are a few standouts that deserve a place in the hall of fame of credit cards, if there ever was one. Nevertheless, we shall shine the limelight on them by highlighting the most popular HDFC Credit Cards of 2025
1. Tata Neu Infinity HDFC Bank Credit Card
This co-branded card has seen significant adoption, with over 2 million cards issued since its 2022 launch. It offers up to 10% back as NeuCoins on Tata brand spends, making it attractive for shoppers within the Tata ecosystem. Highly favored among users for its rewards on everyday categories like grocery, fuel and utilities. Key features:
- Annual fee of ₹1,499, exclusive of taxes
- 5% back as NeuCoins on Tata brand spends and 1.5% back on other spends
- 2% forex-markup fee on foreign currency spends
- Lounge access terms have been updated to quarterly milestone spends effective from 9th June 2025.
2. HDFC Infinia Metal Edition Credit Card
As HDFC’s flagship premium card, it offers unlimited lounge access worldwide, high reward points and exclusive lifestyle benefits. It’s an invite-only card, adding to its exclusivity. And is preferred by high-income individuals seeking premium travel and lifestyle perks. Key features:
- Annual fee ₹12,500, exclusive of taxes
- Cardholders receive unlimited airport lounge access worldwide as well as complimentary Club Marriott membership
- 10X reward points on SmartBuy purchases and 5X reward points on every ₹150 retail spend.
- 24/7 global concierge service is also a benefit of this card.
Also read: HDFC Bank Revises Credit Card Charges: Check What’s Changing from July 1, 2025
3. HDFC Millennia Credit Card
Tailored for online shoppers, it provides 5% cashback on popular platforms and 1% on other spends. Its affordability and rewards structure make it appealing to younger demographics. Key features:
- Annual Fee of ₹1,000, exclusive of taxes
- 5% cashback on popular online platforms such as BookMyShow, Amazon and more.
- 1% cashback on other spends
- ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
4. HDFC Swiggy Credit Card
A co-branded card with Swiggy, it offers 10% cashback on Swiggy orders, appealing to frequent users of the food delivery platform. It is steadily gaining traction among urban consumers who frequently order food online. Key features:
- Annual fee of ₹500, exclusive of taxes, waived off on spends of ₹2,00,000 or more.
- 10% cashback on Swiggy transactions, including food orders, Instamart, Dineout, and Genie services.
- 5% cashback on online spends across various categories on online MCCs
- Existing Swiggy One members receive an additional 3 months added to their current membership.
5. HDFC Diners Club Black Credit Card
This premium card offers unlimited lounge access, high reward points and complimentary memberships to various premium services. It’s suitable for frequent travelers and high spenders and is valued for its extensive travel benefits and reward structure. Key features:
- Annual fee of ₹10,000, exclusive of taxes.
- Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members.
- Up to 10X reward points on SmartBuy and 2X on weekend dining.
- 5X reward points on every ₹150 spent
Written by Teertha Ravi
