#1
HDFC · super premium
HDFC Infinia Metal Edition
High spenders who travel internationally — best redemption value among Indian cards
₹12,500/year
3.3% rewards
Lounge access
APR if balance carried23.88%
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— 13 cards tracked
#2
HDFC · super premium
HDFC Diners Club Black
Pre-Infinia tier — best reward rate at sub-Infinia level
₹10,000/year
3.3% rewards
Lounge access
APR if balance carried23.88%
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#3
HDFC · mid
Marriott Bonvoy HDFC
Frequent Marriott guests
₹3,000/year
2% base rewards
Lounge access
APR if balance carried23.88%
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HDFC · entry
Swiggy HDFC Bank Credit Card
Swiggy power users — food, groceries, dining
₹500/year
1% base rewards
Cashback card
APR if balance carried23.88%
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HDFC · entry
HDFC Millennia
Online shoppers with ₹40K-1L monthly spend
₹1,000/year
1% base rewards
Cashback card
APR if balance carried23.88%
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HDFC · mid
Tata Neu Infinity HDFC
Heavy users of Tata ecosystem (BigBasket, Croma, 1mg, Westside)
₹1,499/year
1.5% base rewards
mid tier
APR if balance carried41.88%
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HDFC · entry
HDFC MoneyBack+
First credit card for salaried professionals
₹500/year
2% base rewards
Cashback card
APR if balance carried23.88%
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HDFC · entry
HDFC IndianOil Credit Card
IndianOil fuel cashback — 5% back at IOC pumps
₹500/year
1% base rewards
Cashback card
APR if balance carried23.88%
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Devalued
HDFC · mid
HDFC Regalia Gold
Mid-tier travelers who can hit ₹60K/quarter for lounges
₹2,500/year
1.65% base rewards
Lounge access
APR if balance carried23.88%
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HDFC · mid
HDFC Diners Club Miles
Diners Club lounge access with a lower fee
₹1,000/year
1% base rewards
Lounge access
APR if balance carried23.88%
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HDFC · entry
Tata Neu Plus HDFC Bank
Tata ecosystem users on a budget
₹499/year
1% base rewards
Cashback card
APR if balance carried41.88%
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HDFC · entry
HDFC Freedom Credit Card
Students and first-timers wanting a free card
Zero annual fee
0.5% base rewards
Cashback card
APR if balance carried23.88%
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HDFC · entry
HDFC Platinum Times
Dining and entertainment discounts
₹1,000/year
1% base rewards
entry tier
APR if balance carried23.88%
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