Which is the best HDFC credit card for travel in 2026?

HDFC Regalia Gold is the best value travel card. For ultra-premium travel, HDFC Infinia Metal (unlimited lounge access, metal card) or HDFC Diners Club Black (10x rewards, unlimited lounge) are better choices for ₹1 lakh+ monthly spenders.

HDFC Bank Credit Cards 2026 — Compare 29 Cards & Apply

Q: Which HDFC credit card is best for cashback in India 2026?

The HDFC Millennia Credit Card offers 5% cashback on Amazon, Flipkart, Myntra and Swiggy (via SmartBuy) and 1% on all other spends, making it the best HDFC cashback card for online shoppers in 2026. For fuel, the HDFC IndianOil card gives 5% value back at IOCL pumps.

Q: Is the HDFC Regalia Gold credit card worth it?

Yes. HDFC Regalia Gold provides 5x rewards on dining and travel, 4 complimentary lounge visits per quarter, and the annual fee is waived on ₹5 lakh annual spend. It is HDFC Bank's most popular travel credit card in 2026.

Q: What is the minimum income required for an HDFC credit card?

The minimum income requirement varies by card. HDFC Pixel Play and HDFC Freedom require ₹10,000/month. Entry-level cards like HDFC MoneyBack+ require ₹20,000/month. Premium cards like HDFC Regalia Gold require ₹1 lakh/month.

Q: How do I apply for an HDFC credit card online?

You can apply through PaisaStreet in 3 steps: (1) Select your preferred HDFC card, (2) Complete the 60-second eligibility check (soft check — no CIBIL impact), (3) Get redirected to HDFC Bank's official application page with your pre-filled details.

Q: Which HDFC credit card has no annual fee?

HDFC Pixel Play, HDFC Pixel Go, HDFC Freedom, and HDFC UPI RuPay Credit Card are all lifetime free HDFC cards with zero joining and zero annual fee.

Q: What is HDFC Infinia credit card eligibility?

HDFC Infinia is an invitation-only card requiring a minimum income of ₹2.5 lakh/month (salaried) or ₹25 lakh p.a. ITR (self-employed) and a CIBIL score of 800+. Existing Regalia and Diners Club cardholders get priority invitations.

Q: Can I get an HDFC credit card against a fixed deposit?

Yes. HDFC Bank offers secured credit cards against Fixed Deposits (FD). The credit limit is typically 80–85% of your FD value. This is ideal for people with no or low CIBIL score who want to build credit history.

Q: What CIBIL score is needed for HDFC credit card approval?

Entry-level HDFC cards like Pixel Play and Freedom require a CIBIL score of 650+. Mid-range cards like Millennia and Regalia require 700+. Premium cards like Regalia Gold require 750+ and Infinia requires 800+.

Q: How long does HDFC credit card approval take?

For existing HDFC Bank customers with pre-approved offers, digital cards are issued instantly. For fresh applications, approval typically takes 7–10 working days after document verification and CIBIL check.

Everything you need to decide

Compare cards, find your fit, or get answers — pick what you need.

Top 5 HDFC Cards — Side by Side

Compare annual fee, rewards, lounge access and best-for to pick your ideal card

Card	Annual Fee	Rewards Rate	Lounge Access	Forex Markup	CIBIL Min	Best For
HD HDFC Millennia Cashback	₹1,000 (waived ₹1L)	5% cashback online	2 domestic/qtr	3.5%	700+	Online shoppers
HD HDFC Regalia Gold Travel	₹2,500 (waived ₹5L)	5x on dining & travel	4 domestic/qtr	2%	750+	Frequent travelers
HD HDFC Diners Club Black Premium	₹10,000	10x on SmartBuy	Unlimited worldwide	2%	800+	HNI spenders
HD HDFC Infinia Metal Premium	₹12,500	5x + Air Miles	Unlimited worldwide	2%	800+	Ultra-premium
HD HDFC Pixel Play Digital	₹0 Lifetime Free	2.5% cashback online	—	3.5%	650+	Digital-first users

* Data sourced from HDFC Bank official website. Rates subject to change. Last updated March 2026.

How to choose the right HDFC card

Match your spending pattern to the right card category

🛒

By Spending Pattern

Match your top spending categories — dining, online shopping, travel, or fuel — to pick a card that rewards you most.

Heavy online shopper → HDFC Millennia (5% cashback)
Frequent traveler → HDFC Regalia Gold (5x travel)
Daily commuter → HDFC IndianOil (13x at IOCL)
Food delivery addict → HDFC Swiggy (10% cashback)

💰

By Income & Budget

Your income determines which cards you qualify for. Higher income opens access to premium rewards and exclusive perks.

₹10K–₹25K/month → Pixel Play, Freedom (₹0 fee)
₹25K–₹75K/month → Millennia, MoneyBack+
₹75K–₹1.5L/month → Regalia Gold, Diners Privilege
₹1.5L+/month → Infinia, Diners Club Black

⭐

By Key Benefit

Identify the single most important benefit you want — lounge access, air miles, cashback or business features.

Want lounge access → Regalia Gold or Diners Privilege
Want Air Miles → HDFC All Miles or Diners Club Miles
Want ₹0 fee → Pixel Play, Pixel Go, Freedom
Business needs → Business Regalia or Corporate Card

Frequently asked questions

Everything you need to know about HDFC Bank credit cards

Which HDFC credit card is best for cashback in India 2026?

The HDFC Millennia Credit Card offers 5% cashback on Amazon, Flipkart, Myntra and Swiggy (via SmartBuy) and 1% on all other spends, making it the best HDFC cashback card for online shoppers in 2026. For fuel spending, the HDFC IndianOil card gives 5% value back at IOCL pumps.

Is the HDFC Regalia Gold credit card worth it?

Yes. HDFC Regalia Gold provides 5x rewards on dining and travel, 4 complimentary lounge visits per quarter, and the annual fee is waived on ₹5 lakh annual spend. It is HDFC Bank's most popular travel credit card in 2026, offering best-in-class value for frequent travelers and dining enthusiasts.

What is the minimum income required for an HDFC credit card?

The minimum income varies by card: Entry-level cards (Pixel Play, Freedom) require ₹10,000/month. Mid-range cards (Millennia, MoneyBack+) require ₹20,000–₹35,000/month. Premium cards (Regalia Gold) require ₹1 lakh/month. Ultra-premium cards (Infinia, Infinia Metal) require ₹2.5–₹3 lakh/month.

Which HDFC credit card has no annual fee?

HDFC Pixel Play, HDFC Pixel Go, HDFC Freedom, and HDFC UPI RuPay Credit Card are all lifetime free HDFC cards with zero joining and zero annual fee. For business users, HDFC Business Freedom is also lifetime free.

What CIBIL score is needed for HDFC credit card approval?

CIBIL requirements by tier: Entry-level (Pixel Play, Freedom, Bharat Cashback): 640–650+. Standard (Millennia, MoneyBack+): 680–700+. Travel & lifestyle (Regalia Gold, Diners Privilege): 750+. Ultra-premium (Infinia, Diners Club Black): 800+. Use PaisaStreet's free eligibility check for a soft-check that does not impact your score.

How do I apply for an HDFC credit card online?

You can apply through PaisaStreet in 3 easy steps: (1) Select your preferred HDFC card from the comparison above, (2) Complete the 60-second eligibility check — soft check, no CIBIL impact, (3) Get redirected to HDFC Bank's official application page. Existing HDFC Bank customers with pre-approved offers get instant digital card issuance.

What is HDFC Infinia credit card eligibility?

HDFC Infinia is an invitation-only card requiring a minimum income of ₹2.5 lakh/month (salaried) or ₹25 lakh p.a. ITR (self-employed) and a CIBIL score of 800+. The Infinia Metal Edition requires ₹3 lakh/month. Existing Regalia Gold and Diners Club Black cardholders receive priority invitations through HDFC's net-banking portal.

How long does HDFC credit card approval take?

For existing HDFC Bank customers with pre-approved offers (visible in HDFC net-banking), digital cards are issued instantly and the physical card arrives within 5–7 working days. For fresh applications, approval typically takes 7–10 working days after document submission and credit verification. Pixel Play and Pixel Go are digital-first cards issued entirely online with no wait for a physical card.

Can I get an HDFC credit card against a fixed deposit?

Yes. HDFC Bank offers secured credit cards against Fixed Deposits (FD). The credit limit is typically 80–85% of your FD value (minimum FD of ₹15,000). This is ideal for people with no credit history or a low CIBIL score who want to build credit. The FD continues to earn interest normally.

Which is the best HDFC credit card for international travel in 2026?

For value travelers, HDFC Regalia Gold is best (2% forex markup, 4 quarterly lounge visits, waived on ₹5L spend). For ultra-premium travelers, HDFC Infinia Metal (unlimited worldwide lounge, 1:1 Air Miles conversion, metal card) or HDFC Diners Club Black (10x rewards, unlimited lounge) are the top picks for ₹1 lakh+ monthly spenders.

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HDFC Credit Cards

Everything you need to decide

Top 5 HDFC Cards — Side by Side

How to choose the right HDFC card

Frequently asked questions

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