HDFC Bank credit cards: fees, rewards and eligibility compared

Truely Money lists 27 HDFC Bank credit cards, including Regalia Gold, Swiggy BLCK, BizBlack Metal Edition, BizPower, Diners Club Black Metal Edition, Diners Club Privilege and 21 more.

Cards from the same bank can look alike but differ in what they reward. Compare each HDFC Bank card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.

The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.

HDFC Bank credit cards and their terms

Regalia Gold (HDFC Bank): joining fee ₹2,500 · annual fee ₹2,500, waived on ₹4,00,000 yearly spend · base reward 1.33% of spend · lounge visits per year: 12 domestic, 6 international · forex markup 2% · income guide ₹18,00,000 a year. A premium lifestyle and travel card offering strong flight/hotel redemption values, milestone vouchers, and an exclusive Gold Catalogue. Perks: 4 Reward Points per ₹150 spent, with up to 10X points via SmartBuy; 5X Reward Points at Marks & Spencer, Myntra, Nykaa & Reliance Digital; Complimentary Swiggy One and MMT Black Gold Membership on ₹1 Lakh spends in the first 90 days.
Swiggy BLCK (HDFC Bank): joining fee ₹1,000 · annual fee ₹1,000, waived on ₹2,00,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹12,00,000 a year. A premium co-branded card offering a massive 10% cashback on Swiggy and 5% on general online shopping, automatically credited to your statement. Perks: 10% Cashback on Swiggy app (Food delivery, Instamart, Dineout, Genie); 5% Cashback on online shopping across most major portals and apps; 1% Cashback on offline and other eligible spends.
BizBlack Metal Edition (HDFC Bank): joining fee ₹10,000 · annual fee ₹10,000, waived on ₹7,50,000 yearly spend · base reward 3.33% of spend · forex markup 2% · income guide ₹30,00,000 a year. A super-premium business credit card offering unlimited lounge access, flexible 5X business rewards, and lucrative milestone vouchers for self-employed professionals. Perks: Unlimited complimentary domestic and international lounge access for primary and add-on cardholders; 3.33% base reward rate with up to 16.67% accelerated 5X rewards on select business spends; Club Marriott Membership and ₹5,000 Taj voucher as welcome benefit.
BizPower (HDFC Bank): joining fee ₹2,500 · annual fee ₹2,500, waived on ₹4,00,000 yearly spend · base reward 1.63% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 2% · income guide ₹12,00,000 a year. A premium business credit card offering 5X rewards on tax payments, GST, and business expenses, alongside quarterly milestone vouchers. Perks: 5X Reward Points on Income Tax, GST, PayZapp bills, and MMT MyBiz travel bookings; ₹5,000 MakeMyTrip or Reliance Digital Voucher on quarterly spends of ₹2.5 Lakhs; Amazon Prime Annual Membership or ₹1,500 Amazon Voucher as welcome benefit.
Diners Club Black Metal Edition (HDFC Bank): joining fee ₹10,000 · annual fee ₹10,000, waived on ₹8,00,000 yearly spend · base reward 3.33% of spend · forex markup 2% · income guide ₹30,00,000 a year · credit score 750+. A super-premium card offering a 3.33% default reward rate, unlimited global lounge access, and a massive quarterly 10,000-point milestone. Perks: Unlimited complimentary domestic and international lounge access for primary and add-on cardholders; 3.33% base reward rate with up to 33.3% accelerated rewards on SmartBuy; Complimentary memberships to Club Marriott, Amazon Prime, and Swiggy One on joining.
Diners Club Privilege (HDFC Bank): joining fee ₹1,000 · annual fee ₹1,000, waived on ₹3,00,000 yearly spend · base reward 1.33% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5% · income guide ₹4,20,000 a year. A lifestyle and travel card offering 5X rewards on dining, quarterly milestone vouchers, and spend-based global lounge access. Perks: Complimentary Swiggy One and Times Prime memberships on spending ₹75,000 in first 90 days; 4 Reward Points per ₹150 spent, with up to 10X points via SmartBuy; 5X Reward Points on Swiggy & Zomato.
Freedom (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.1% of spend · forex markup 3.5% · income guide ₹1,44,000 a year · credit score 750+. An entry-level credit card suited for beginners, offering 10X CashPoints on select popular brands and easy fee waivers. Perks: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber; ₹1,000 Gift Voucher on annual spends of ₹90,000; 500 CashPoints as welcome and renewal benefit.
IndianOil HDFC Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.64% of spend · forex markup 3.5% · income guide ₹1,44,000 a year · credit score 750+. A low-fee, UPI-enabled fuel card offering up to 4.8% value back on IndianOil fuel, groceries, and utility bills. Perks: 5% Fuel Points at IndianOil outlets (capped at 250 FP/month for first 6 months, 150 FP/month thereafter); 5% Fuel Points on groceries and utility bills (capped at 100 FP/month each); Complimentary IndianOil XTRAREWARDS Program (IXRP) membership.
INFINIA Metal Edition (HDFC Bank): joining fee ₹12,500 · annual fee ₹12,500, waived on ₹10,00,000 yearly spend · base reward 3.33% of spend · forex markup 2%. An invite-only, super-premium lifestyle card offering unmatched 1:1 reward redemptions on travel and unlimited global lounge access. Perks: Unlimited complimentary domestic and international lounge access for primary and add-on cardholders; 3.33% base reward rate with up to 33.3% accelerated rewards on SmartBuy; 12,500 Reward Points upon joining and fee renewal.
IRCTC HDFC Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹1,80,000 a year · credit score 720+. A co-branded railway card offering excellent value for frequent train travellers with 5X rewards, SmartBuy cashback, and railway lounge access. Perks: 5 Reward Points per ₹100 spent on IRCTC train ticket bookings; Additional 5% cashback on train ticket bookings via HDFC SmartBuy; ₹500 gift voucher on quarterly spends of ₹30,000.
Marriott Bonvoy (HDFC Bank): joining fee ₹3,000 · annual fee ₹3,000 · base reward 0.66% of spend · lounge visits per year: 12 domestic, 12 international · forex markup 3.5% · income guide ₹12,00,000 a year · credit score 750+. India's first hotel co-branded credit card offering unmatched free nights, Silver Elite status, and accelerated points for Marriott loyalists. Perks: 1 Free Night Award (up to 15,000 points) as joining and renewal benefit; Complimentary Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits; 8 Marriott Bonvoy Points per ₹150 spent at participating Marriott hotels.
MoneyBack+ (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.25% of spend · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 720+. An entry-level card offering strong 10X rewards on popular brands like Amazon, Flipkart, and Swiggy, with an easily achievable fee waiver. Perks: 10X CashPoints on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket; ₹500 Gift Voucher on quarterly spends of ₹50,000; 500 CashPoints as welcome benefit.
PhonePe Uno (HDFC Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · forex markup 3.5%. A co-branded UPI credit card offering up to 2% value-back on the PhonePe app, but giving zero rewards on standard offline swiping. Perks: 2% Reward Points on PhonePe app Recharges, Bills, Travel & Stays; 1% Reward Points on Amazon, Flipkart, Myntra, Swiggy, Zomato & Uber; 1% Reward Points on all UPI Scan & Pay transactions.
PIXEL Go (HDFC Bank): joining fee ₹250 · annual fee ₹250, waived on ₹50,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹1,44,000 a year. A digital-first, entry-level credit card managed entirely via PayZapp, offering flat 1% cashback on most spends including UPI. Perks: 1% Cashback on all eligible retail spends; 5% Cashback on SmartBuy (Flights, Hotels, Instant Vouchers); 1% Cashback on UPI spends.
Swiggy Ornge (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹1,80,000 a year. A co-branded cashback card offering a flat 5% value back on Swiggy and online shopping, with rewards automatically credited to your statement. Perks: 5% Cashback on Swiggy app (Food delivery, Instamart, Dineout); 5% Cashback on online shopping across most major portals and apps; 1% Cashback on offline and other eligible spends.
Tata Neu Plus (HDFC Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year. A co-branded entry-level card offering flat 1% back on retail and UPI spends, plus 2% back across partner Tata brands for budget-conscious shoppers. Perks: 2% NeuCoins on partner Tata Brands (BigBasket, Croma, Air India, 1mg, etc.); 1% NeuCoins on all other eligible retail spends; 1% NeuCoins on UPI payments (via Tata Neu app).
UPI RuPay Credit Card (HDFC Bank): joining fee ₹99 · annual fee ₹99, waived on ₹25,000 yearly spend · base reward 0.25% of spend · forex markup 3.5% · income guide ₹4,20,000 a year. A virtual, low-fee RuPay card purpose-built to earn rewards on everyday UPI payments, groceries, and utility bills. Perks: 3% CashPoints on Groceries, Dining, and PayZapp transactions; 2% CashPoints on Utility spends; 1% CashPoints on other retail spends, including UPI payments.
HDFC Millennia Credit Card (HDFC Bank): joining fee ₹1,000 · annual fee ₹1,000, waived on ₹1,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹4,20,000 a year · credit score 750+. A versatile cashback card offering high value on top e-commerce and food delivery partners along with quarterly milestone rewards. Perks: 5% Cashback on 10 specific partner merchants (Amazon, Flipkart, Swiggy, Zomato, etc.); ₹1,000 Gift Voucher on quarterly spends of ₹1 Lakh; 4 complimentary domestic lounge accesses per year (spend-based).
Swiggy HDFC Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹2,00,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level cashback card tailored for frequent Swiggy users, offering high direct statement credit returns on food delivery and top online merchants. Perks: 3 months complimentary Swiggy One membership on card activation; 10% cashback on Swiggy app (Food, Instamart, Dineout, Genie); 5% cashback on online shopping across top apps and platforms.
Tata Neu Infinity HDFC Bank Credit Card: joining fee ₹1,499 · annual fee ₹1,499, waived on ₹3,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 2% · income guide ₹12,00,000 a year · credit score 750+. A premium co-branded card offering high rewards on the Tata ecosystem, competitive UPI earn rates, and international lounge access. Perks: 5% NeuCoins on Tata Neu & partner brands, 1.5% on other spends; 8 domestic & 4 international airport lounge visits annually; 1,499 NeuCoins as welcome benefit on first transaction.
HDFC Bank PIXEL Play Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹1,00,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹3,00,000 a year. A digital-first credit card that lets you customize your rewards by picking the partner merchants where you earn 5% and 3% cashback. Perks: Customizable rewards: Choose two merchant packs (e.g., Zomato & BookMyShow) for 5% cashback, capped at 500 CashPoints/month.; Choose one e-commerce platform (Amazon, Flipkart, or PayZapp) for 3% cashback, capped at 500 CashPoints/month.; 1% cashback on UPI spends (RuPay variant only), capped at 500 CashPoints/month..
Paytm HDFC Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. Entry-level HDFC Bank co-branded card giving elevated Cashpoints on Paytm app spends and 1% cashback on other retail spends. Perks: 3% Cashpoints on Paytm Mall/Movies/Mini App spends (capped Rs.500/month); 2% Cashpoints on other Paytm app spends (capped Rs.500/month); 1% fuel surcharge waiver (capped Rs.250/month).
HDFC Bank BizFirst RuPay Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.25% of spend · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 720+. An entry-level RuPay business credit card tailored for self-employed professionals to earn rewards on UPI payments, utilities, and EMI spends. Perks: Up to 55 days interest-free credit period; Seamless UPI payments via credit card on any UPI app; Exclusive business benefits and merchant offers on PayZapp and SmartBuy.
Business MoneyBack Credit Card (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.27% of spend · forex markup 3.5% · income guide ₹6,00,000 a year. An entry-level business credit card offering accelerated rewards on online spends and easily achievable fee waivers. Perks: 50 days interest-free credit period for vendor, supplier bills, and GST payments; 1% fuel surcharge waiver (max ₹250 per month); Up to 20% discount on dining via Swiggy Dineout.
Business Regalia Credit Card (HDFC Bank): joining fee ₹2,500 · annual fee ₹2,500, waived on ₹3,00,000 yearly spend · base reward 1.33% of spend · lounge visits per year: 12 domestic, 6 international · forex markup 2% · income guide ₹12,00,000 a year · credit score 750+. A premium travel and lifestyle card for self-employed professionals featuring milestone bonus points and a low forex markup. Perks: 12 complimentary domestic lounge visits per year; 6 complimentary Priority Pass international lounge visits per year; Comprehensive travel, flight delay, and liability insurance.
JetPrivilege HDFC Bank Platinum Credit Card: joining fee ₹1,000 · annual fee ₹1,000, waived on ₹2,50,000 yearly spend · base reward 0.83% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 750+. A discontinued airline co-branded card offering JPMiles on daily spends and accelerated rewards on Jet Airways. Perks: 2 complimentary domestic lounge visits per quarter; Dedicated check-in at select airports (historical); Renewal benefit of 2,000 JPMiles.
PhonePe Ultimo (HDFC Bank): joining fee ₹999 · annual fee ₹999, waived on ₹2,00,000 yearly spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹3,00,000 a year. A premium UPI co-branded card offering 10% value-back on PhonePe and 5% on top online brands, but with no rewards on regular offline swipes. Perks: 10% Reward Points on PhonePe app Recharges, Bills, Travel & Stays; 5% Reward Points on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber & Ajio; 1% Reward Points on all UPI Scan & Pay transactions.

Guides · How we rank · About · FAQ · Contact · Editorial policy · Disclaimer · Privacy · Terms

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.

HDFC Bank credit cards: fees, rewards and eligibility compared

Truely Money lists 27 HDFC Bank credit cards, including Regalia Gold, Swiggy BLCK, BizBlack Metal Edition, BizPower, Diners Club Black Metal Edition, Diners Club Privilege and 21 more.

HDFC Bank credit cards and their terms

Regalia Gold (HDFC Bank): joining fee ₹2,500 · annual fee ₹2,500, waived on ₹4,00,000 yearly spend · base reward 1.33% of spend · lounge visits per year: 12 domestic, 6 international · forex markup 2% · income guide ₹18,00,000 a year. A premium lifestyle and travel card offering strong flight/hotel redemption values, milestone vouchers, and an exclusive Gold Catalogue. Perks: 4 Reward Points per ₹150 spent, with up to 10X points via SmartBuy; 5X Reward Points at Marks & Spencer, Myntra, Nykaa & Reliance Digital; Complimentary Swiggy One and MMT Black Gold Membership on ₹1 Lakh spends in the first 90 days.
Swiggy BLCK (HDFC Bank): joining fee ₹1,000 · annual fee ₹1,000, waived on ₹2,00,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹12,00,000 a year. A premium co-branded card offering a massive 10% cashback on Swiggy and 5% on general online shopping, automatically credited to your statement. Perks: 10% Cashback on Swiggy app (Food delivery, Instamart, Dineout, Genie); 5% Cashback on online shopping across most major portals and apps; 1% Cashback on offline and other eligible spends.
BizBlack Metal Edition (HDFC Bank): joining fee ₹10,000 · annual fee ₹10,000, waived on ₹7,50,000 yearly spend · base reward 3.33% of spend · forex markup 2% · income guide ₹30,00,000 a year. A super-premium business credit card offering unlimited lounge access, flexible 5X business rewards, and lucrative milestone vouchers for self-employed professionals. Perks: Unlimited complimentary domestic and international lounge access for primary and add-on cardholders; 3.33% base reward rate with up to 16.67% accelerated 5X rewards on select business spends; Club Marriott Membership and ₹5,000 Taj voucher as welcome benefit.
BizPower (HDFC Bank): joining fee ₹2,500 · annual fee ₹2,500, waived on ₹4,00,000 yearly spend · base reward 1.63% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 2% · income guide ₹12,00,000 a year. A premium business credit card offering 5X rewards on tax payments, GST, and business expenses, alongside quarterly milestone vouchers. Perks: 5X Reward Points on Income Tax, GST, PayZapp bills, and MMT MyBiz travel bookings; ₹5,000 MakeMyTrip or Reliance Digital Voucher on quarterly spends of ₹2.5 Lakhs; Amazon Prime Annual Membership or ₹1,500 Amazon Voucher as welcome benefit.
Diners Club Black Metal Edition (HDFC Bank): joining fee ₹10,000 · annual fee ₹10,000, waived on ₹8,00,000 yearly spend · base reward 3.33% of spend · forex markup 2% · income guide ₹30,00,000 a year · credit score 750+. A super-premium card offering a 3.33% default reward rate, unlimited global lounge access, and a massive quarterly 10,000-point milestone. Perks: Unlimited complimentary domestic and international lounge access for primary and add-on cardholders; 3.33% base reward rate with up to 33.3% accelerated rewards on SmartBuy; Complimentary memberships to Club Marriott, Amazon Prime, and Swiggy One on joining.
Diners Club Privilege (HDFC Bank): joining fee ₹1,000 · annual fee ₹1,000, waived on ₹3,00,000 yearly spend · base reward 1.33% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5% · income guide ₹4,20,000 a year. A lifestyle and travel card offering 5X rewards on dining, quarterly milestone vouchers, and spend-based global lounge access. Perks: Complimentary Swiggy One and Times Prime memberships on spending ₹75,000 in first 90 days; 4 Reward Points per ₹150 spent, with up to 10X points via SmartBuy; 5X Reward Points on Swiggy & Zomato.
Freedom (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.1% of spend · forex markup 3.5% · income guide ₹1,44,000 a year · credit score 750+. An entry-level credit card suited for beginners, offering 10X CashPoints on select popular brands and easy fee waivers. Perks: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber; ₹1,000 Gift Voucher on annual spends of ₹90,000; 500 CashPoints as welcome and renewal benefit.
IndianOil HDFC Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.64% of spend · forex markup 3.5% · income guide ₹1,44,000 a year · credit score 750+. A low-fee, UPI-enabled fuel card offering up to 4.8% value back on IndianOil fuel, groceries, and utility bills. Perks: 5% Fuel Points at IndianOil outlets (capped at 250 FP/month for first 6 months, 150 FP/month thereafter); 5% Fuel Points on groceries and utility bills (capped at 100 FP/month each); Complimentary IndianOil XTRAREWARDS Program (IXRP) membership.
INFINIA Metal Edition (HDFC Bank): joining fee ₹12,500 · annual fee ₹12,500, waived on ₹10,00,000 yearly spend · base reward 3.33% of spend · forex markup 2%. An invite-only, super-premium lifestyle card offering unmatched 1:1 reward redemptions on travel and unlimited global lounge access. Perks: Unlimited complimentary domestic and international lounge access for primary and add-on cardholders; 3.33% base reward rate with up to 33.3% accelerated rewards on SmartBuy; 12,500 Reward Points upon joining and fee renewal.
IRCTC HDFC Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹1,80,000 a year · credit score 720+. A co-branded railway card offering excellent value for frequent train travellers with 5X rewards, SmartBuy cashback, and railway lounge access. Perks: 5 Reward Points per ₹100 spent on IRCTC train ticket bookings; Additional 5% cashback on train ticket bookings via HDFC SmartBuy; ₹500 gift voucher on quarterly spends of ₹30,000.
Marriott Bonvoy (HDFC Bank): joining fee ₹3,000 · annual fee ₹3,000 · base reward 0.66% of spend · lounge visits per year: 12 domestic, 12 international · forex markup 3.5% · income guide ₹12,00,000 a year · credit score 750+. India's first hotel co-branded credit card offering unmatched free nights, Silver Elite status, and accelerated points for Marriott loyalists. Perks: 1 Free Night Award (up to 15,000 points) as joining and renewal benefit; Complimentary Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits; 8 Marriott Bonvoy Points per ₹150 spent at participating Marriott hotels.
MoneyBack+ (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.25% of spend · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 720+. An entry-level card offering strong 10X rewards on popular brands like Amazon, Flipkart, and Swiggy, with an easily achievable fee waiver. Perks: 10X CashPoints on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket; ₹500 Gift Voucher on quarterly spends of ₹50,000; 500 CashPoints as welcome benefit.
PhonePe Uno (HDFC Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · forex markup 3.5%. A co-branded UPI credit card offering up to 2% value-back on the PhonePe app, but giving zero rewards on standard offline swiping. Perks: 2% Reward Points on PhonePe app Recharges, Bills, Travel & Stays; 1% Reward Points on Amazon, Flipkart, Myntra, Swiggy, Zomato & Uber; 1% Reward Points on all UPI Scan & Pay transactions.
PIXEL Go (HDFC Bank): joining fee ₹250 · annual fee ₹250, waived on ₹50,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹1,44,000 a year. A digital-first, entry-level credit card managed entirely via PayZapp, offering flat 1% cashback on most spends including UPI. Perks: 1% Cashback on all eligible retail spends; 5% Cashback on SmartBuy (Flights, Hotels, Instant Vouchers); 1% Cashback on UPI spends.
Swiggy Ornge (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹1,80,000 a year. A co-branded cashback card offering a flat 5% value back on Swiggy and online shopping, with rewards automatically credited to your statement. Perks: 5% Cashback on Swiggy app (Food delivery, Instamart, Dineout); 5% Cashback on online shopping across most major portals and apps; 1% Cashback on offline and other eligible spends.
Tata Neu Plus (HDFC Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year. A co-branded entry-level card offering flat 1% back on retail and UPI spends, plus 2% back across partner Tata brands for budget-conscious shoppers. Perks: 2% NeuCoins on partner Tata Brands (BigBasket, Croma, Air India, 1mg, etc.); 1% NeuCoins on all other eligible retail spends; 1% NeuCoins on UPI payments (via Tata Neu app).
UPI RuPay Credit Card (HDFC Bank): joining fee ₹99 · annual fee ₹99, waived on ₹25,000 yearly spend · base reward 0.25% of spend · forex markup 3.5% · income guide ₹4,20,000 a year. A virtual, low-fee RuPay card purpose-built to earn rewards on everyday UPI payments, groceries, and utility bills. Perks: 3% CashPoints on Groceries, Dining, and PayZapp transactions; 2% CashPoints on Utility spends; 1% CashPoints on other retail spends, including UPI payments.
HDFC Millennia Credit Card (HDFC Bank): joining fee ₹1,000 · annual fee ₹1,000, waived on ₹1,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹4,20,000 a year · credit score 750+. A versatile cashback card offering high value on top e-commerce and food delivery partners along with quarterly milestone rewards. Perks: 5% Cashback on 10 specific partner merchants (Amazon, Flipkart, Swiggy, Zomato, etc.); ₹1,000 Gift Voucher on quarterly spends of ₹1 Lakh; 4 complimentary domestic lounge accesses per year (spend-based).
Swiggy HDFC Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹2,00,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level cashback card tailored for frequent Swiggy users, offering high direct statement credit returns on food delivery and top online merchants. Perks: 3 months complimentary Swiggy One membership on card activation; 10% cashback on Swiggy app (Food, Instamart, Dineout, Genie); 5% cashback on online shopping across top apps and platforms.
Tata Neu Infinity HDFC Bank Credit Card: joining fee ₹1,499 · annual fee ₹1,499, waived on ₹3,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 2% · income guide ₹12,00,000 a year · credit score 750+. A premium co-branded card offering high rewards on the Tata ecosystem, competitive UPI earn rates, and international lounge access. Perks: 5% NeuCoins on Tata Neu & partner brands, 1.5% on other spends; 8 domestic & 4 international airport lounge visits annually; 1,499 NeuCoins as welcome benefit on first transaction.
HDFC Bank PIXEL Play Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹1,00,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹3,00,000 a year. A digital-first credit card that lets you customize your rewards by picking the partner merchants where you earn 5% and 3% cashback. Perks: Customizable rewards: Choose two merchant packs (e.g., Zomato & BookMyShow) for 5% cashback, capped at 500 CashPoints/month.; Choose one e-commerce platform (Amazon, Flipkart, or PayZapp) for 3% cashback, capped at 500 CashPoints/month.; 1% cashback on UPI spends (RuPay variant only), capped at 500 CashPoints/month..
Paytm HDFC Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 1% of spend · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. Entry-level HDFC Bank co-branded card giving elevated Cashpoints on Paytm app spends and 1% cashback on other retail spends. Perks: 3% Cashpoints on Paytm Mall/Movies/Mini App spends (capped Rs.500/month); 2% Cashpoints on other Paytm app spends (capped Rs.500/month); 1% fuel surcharge waiver (capped Rs.250/month).
HDFC Bank BizFirst RuPay Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.25% of spend · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 720+. An entry-level RuPay business credit card tailored for self-employed professionals to earn rewards on UPI payments, utilities, and EMI spends. Perks: Up to 55 days interest-free credit period; Seamless UPI payments via credit card on any UPI app; Exclusive business benefits and merchant offers on PayZapp and SmartBuy.
Business MoneyBack Credit Card (HDFC Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.27% of spend · forex markup 3.5% · income guide ₹6,00,000 a year. An entry-level business credit card offering accelerated rewards on online spends and easily achievable fee waivers. Perks: 50 days interest-free credit period for vendor, supplier bills, and GST payments; 1% fuel surcharge waiver (max ₹250 per month); Up to 20% discount on dining via Swiggy Dineout.
Business Regalia Credit Card (HDFC Bank): joining fee ₹2,500 · annual fee ₹2,500, waived on ₹3,00,000 yearly spend · base reward 1.33% of spend · lounge visits per year: 12 domestic, 6 international · forex markup 2% · income guide ₹12,00,000 a year · credit score 750+. A premium travel and lifestyle card for self-employed professionals featuring milestone bonus points and a low forex markup. Perks: 12 complimentary domestic lounge visits per year; 6 complimentary Priority Pass international lounge visits per year; Comprehensive travel, flight delay, and liability insurance.
JetPrivilege HDFC Bank Platinum Credit Card: joining fee ₹1,000 · annual fee ₹1,000, waived on ₹2,50,000 yearly spend · base reward 0.83% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 750+. A discontinued airline co-branded card offering JPMiles on daily spends and accelerated rewards on Jet Airways. Perks: 2 complimentary domestic lounge visits per quarter; Dedicated check-in at select airports (historical); Renewal benefit of 2,000 JPMiles.
PhonePe Ultimo (HDFC Bank): joining fee ₹999 · annual fee ₹999, waived on ₹2,00,000 yearly spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹3,00,000 a year. A premium UPI co-branded card offering 10% value-back on PhonePe and 5% on top online brands, but with no rewards on regular offline swipes. Perks: 10% Reward Points on PhonePe app Recharges, Bills, Travel & Stays; 5% Reward Points on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber & Ajio; 1% Reward Points on all UPI Scan & Pay transactions.

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.