HDFC Credit Card
Issued by HDFC Bank Ltd
HDFC Bank issues a range of credit cards grouped into Everyday Rewards, Premium, Digital, Lifestyle and Fuel & Travel categories, including Millennia, MoneyBack+, Freedom, Regalia Gold, PIXEL, Swiggy, Tata Neu, IndianOil and IRCTC co-branded cards. Fees, rewards and eligibility differ by variant, so the right card depends on how and where you spend.
Joining fee
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Annual fee
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Fee waiver
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Finance charge
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As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- Card range spans Everyday Rewards, Premium, Digital, Lifestyle and Fuel & Travel categories
- Co-branded variants include Tata Neu, Swiggy, IndianOil, IRCTC, Marriott Bonvoy and PhonePe cards
- Interest-free credit period could range from 20 to 50 days depending on the card scheme (as per MITC)
- Most variants carry finance charges of 3.75% per month (45% p.a., excluding GST) as per MITC; a few premium variants are lower
- Joining and annual fees vary by variant — check the specific card's fee schedule
Best for
Choosing from a broad bank-issued card range
Pros
- Wide choice of variants across rewards, cashback, travel and co-branded categories
- Several cards offer spend-based renewal fee waivers
Cons
- Finance charges on most variants are 45% p.a. if you revolve a balance
- Fees and benefits differ widely between variants, so comparisons need card-level checks
Frequently asked questions
Do all HDFC Bank credit cards have the same fee?
No. HDFC Bank's MITC lists joining and renewal fees separately for each card variant, along with variant-specific fee waiver spend thresholds.
What interest does HDFC Bank charge on credit card balances?
As per the MITC, most variants are charged 3.75% per month (45% p.a., excluding GST) on revolving credit and cash advances; select premium variants have a lower rate.
How long is the interest-free period?
The MITC states the interest-free credit period could range from 20 to 50 days, and it does not apply if the previous month's balance was not cleared in full or cash was withdrawn.
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ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by HDFC Bank Ltd, which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.