Best HDFC Credit Cards

This page groups HDFC cards by the job they do best instead of forcing a single ranked list. Use it to decide whether you need a premium travel card, a lower-fee option, or a lower-forex HDFC card.

Each section is derived from current fee, lounge, forex, and rewards fields. Open the lead card, then compare it against the closest HDFC alternatives before you apply.

How to use this page

Decision frame

Start with the constraint that matters most: premium lounge access, annual fee tolerance, or lower forex markup. The sections below surface the strongest HDFC card for each use case from the current snapshot.

Best for premium

Use case
Alternatives
  • Infinia Annual fee ₹12,500 · Forex 2% · Unlimited lounge access

Best for low fee

Use case
Lead card

Millennia

Annual fee ₹1,000 · base reward rate 2.0 pts/₹100

Best for low forex

Use case
Alternatives
  • Infinia Annual fee ₹12,500 · Forex 2% · Unlimited lounge access
  • Regalia Gold Annual fee ₹2,500 · Forex 2% · 12/year domestic lounge