HDFC Credit Cards - Best Credit Cards in India

HDFC Bank provides a variety of credit cards that give numerous benefits like travel, rewards, shopping etc. Besides, these credit cards offer a basic Moneyback and Millennia option and advanced options like Infinia and Diners Club Black, thus fulfilling diverse needs. 

When you select the card best suited for your lifestyle, such as travel, shopping, or dining, the advantages of selecting the ‘best card’ most certainly will maximize your savings. To make this selection process easier for you, we have compiled the best HDFC Credit Cards in India available in 2025 along with their features, benefits, eligibility for quick comparison, and easy online application.

 

Best HDFC Credit Cards in India

Below is the list of the best credit cards in India available in 2025.

1. Swiggy HDFC Credit Card

The Swiggy HDFC Credit Card is a great fit for all those consumers who transact very often on Swiggy, spending a considerable amount across the brand's platforms every month. For example, those using Instamart for monthly essentials and groceries or food deliveries multiple times during a month could recover their fees easily, that is Rs.500, and also earn some decent cashback.

 

Benefits & Features:

• Joining Fee: Rs. 500 + GST
  
  
• Renewal Fee: Rs. 500 + GST
  
  
• Best Suited For: Dining | Food
  
  
• Reward Type: Cashback
  
  
• Welcome Benefits: Complimentary 3-Month Swiggy One Membership
  
  
• Movie & Dining: 10% Cashback on the Swiggy app, including food orders, Instamart, Dineout, and more
  
  
• Earn Reward Rate: 10% Cashback on Swiggy, 5% Cashback online, and 1% Cashback on other categories
  
  
• Reward Redemption: Cashback Against Credit Card Statement
  
  
• Travel: Up to 5% cashback on merchants like Uber and Ola
  
  
• Golf: 12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services

 

 

Apply Online

Click to Instantly Apply for the Swiggy HDFC Credit Card

Eligibility Criteria

 

2. Tata Neu Plus HDFC Credit Card

Through HDFC Tata Neu Credit Card, cardholders gain value back in the form of NeuCoins, which can be redeemed across Tata Neu as well as partner brands like Air India, BigBasket, and Westside for the flexibility of redeeming beyond a single brand.

Benefits & Features: 

• Joining Fees: Rs.499 + GST.

• Renewal Fees: Rs.499 + GST.

• Best For: Shopping.

• Welcome Benefits: 499 NeuCoins

• Movie & Dining: NA

• Rewards Rate: 2% & 1% cashback in the form of NeuCoins while shopping on Tata and non-Tata Brands respectively. An additional 5% back as NeuCoins on the Tata Neu app or website.

• Reward Redemption: Redeeming the earned NeuCoins on certain Tata brands is possible through the Tata Neu application or website.

• Travel: Complimentary access to domestic airport lounges.

• Domestic Lounge Access: From June 10, 2025, instead of direct swipe entry into domestic airport lounges now lounge access vouchers will be given to cardholders, depending on how much they spend in a quarter.

• International Lounge Access: N/A.

• Golf: N/A.
  
  

Apply Online

Click to Instantly Apply for the Tata Neu Plus HDFC Credit Card

Eligibility Criteria

 

 

 

3. HDFC IRCTC Credit Card

IRCTC HDFC Bank Credit Card is a co-branded train travel credit card for frequent travelers who like to travel by train and book their tickets through IRCTC. Card members earn 5% value back in the form of reward points on bookings of train tickets through IRCTC, and another 5% cashback on IRCTC bookings done through the SmartBuy portal. 

This card further provides two free railway lounge visits each quarter, and thus, now you can improve your train journey experiences with minimal charges

Benefits & Features: 

• Joining Fees- Rs. 500 + GST.
  
  

• Renewal Fees- Rs. 500 + GST.
  
  

• Best For- Travel.
  
  

• Welcome Benefits- Amazon Voucher Worth Rs. 500
  
  

• Movie & Dining- NA
  
  

• Rewards Rate- IRCTC reservations earn 5 reward points for every Rs. 100 and other legitimate purchases earn 1 reward point. SmartBuy offers an extra 5% cashback on Rail Reservations.
  
  

• Reward Redemption- Among other things, the cash points can be used to book travel through IRCTC.

                                                        1 cash point = 1 Rs.

• Travel- 8 Free entry to the IRCTC Executive Lounges (up to two each quarter).
  
  

• Domestic Lounge Access- N/A
  
  

• International Lounge Access- N/A.
  
  

• Golf- N/A.
  
  

Apply Online

Click to Instantly Apply for the HDFC IRCTC Credit Card.

Eligibility Criteria

 

4. HDFC Shoppers Stop Credit Card

HDFC Shoppers Stop Credit Card is a co-branded and base variant of the Shoppers Stop Black HDFC Bank Credit Card. With an annual fee of Rs. 299, it offers 3% value back on Shoppers Stop spends and 1% on other spends, including groceries and departmental store spends.

Cardholders get special privileges such as earning an unlimited number of reward points on shopping purchases and redeeming them later against their subsequent purchases from Shoppers Shop. 

Benefits & Features: 

• Joining Fees- Rs. 299 + GST.
  
  

• Renewal Fees- Rs. 299 + GST.
  
  

• Best For- Shopping.
  
  

• Welcome Benefits- Free Shoppers Stop Silver Edge Membership and a Rs. 500 Shoppers Stop voucher.
  
  

• Movie & Dining- NA
  
  

• Rewards Rate- 3% Reward Points on all Shoppers Stop Expenses and 1 % Reward Points on non-Shoppers Stop Expenses.
  
  

• Reward Redemption- Can be redeemed against many options.                                    
  
  

• Travel- N/A
  
  

• Domestic Lounge Access- N/A
  
  

• International Lounge Access- N/A.
  
  

• Golf- N/A.
  
  

Apply Online

Click to Instantly Apply for the HDFC Shoppers Stop Credit Card

Eligibility Criteria

 

Conclusion

Considering card needs from various perspectives, HDFC Bank can boast of some of the best credit cards in India - from dining out to shopping and travel. Pick an HDFC credit card that suits your lifestyle, whether it be cashback on Swiggy or rewards on Tata brands. Choose one based on features, benefits, and eligibility. Apply online today to instantly enjoy exclusive offers!

 

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• Explore our Best Bank Credit Cards in India
• Explore our 5 Best Credit Cards in 2025
• Explore our best Credit Cards for Beginners

 

Disclaimer: No buy or sell recommendation is given. No investment advice it is. Information is taken from various internet websites and valid at the time of writing this content only (as of 01 Apr 2025) and might get changed in the future without any prior update. Discuss your eligible financial advisor or concerned credit card company or banks for details before buying. The author or the company (Finowings) shall not be responsible for any loss.