Best HDFC Credit Cards Compared – 2025 Guide
Confused about which HDFC credit card to pick in 2025? This guide has you covered—whether you're a first-time user or looking to upgrade.
With a massive presence in the Indian credit card market, HDFC Bank offers tailored credit cards for almost every type of customer—students, professionals, frequent flyers, online shoppers, and premium users. But which one is best for you in 2025?
Why HDFC Credit Cards Are Popular in India
- ✅ Widest acceptance across online & offline merchants
- ✅ Great reward programs & partner offers
- ✅ Complimentary lounge access on most cards
- ✅ Tiered options – beginner to premium
- ✅ Fast digital application & approval process
Top HDFC Credit Cards to Consider in 2025
1. HDFC Millennia Credit Card
- Annual Fee: ₹1,000 (waived on ₹1L spend)
- 5% cashback on Amazon, Flipkart, Swiggy, Myntra
- 2.5% on PayZapp and SmartBuy
- Free lounge access (1 per quarter)
- Best For: Online shoppers
2. HDFC Regalia Credit Card
- Annual Fee: ₹2,500
- Access to 12 international + 8 domestic lounges/year
- Travel concierge & 24x7 service
- 4 reward points per ₹150 spent
- Best For: Premium lifestyle & travel
3. HDFC MoneyBack+ Credit Card
- Annual Fee: ₹500
- 10X reward points on Amazon, Flipkart, BigBasket
- 1X rewards on all other spends
- Fuel surcharge waiver
- Best For: Beginners & everyday use
Comparison Table – Best HDFC Cards 2025
| Card Name | Annual Fee | Top Features | Best For |
|---|---|---|---|
| Millennia | ₹1,000 | 5% cashback on top brands, 1 free lounge/qtr | Digital lifestyle |
| Regalia | ₹2,500 | Airport lounges + premium rewards | Frequent flyers & executives |
| MoneyBack+ | ₹500 | 10X rewards on ecommerce + fuel waiver | New users & low spenders |
Eligibility Criteria for HDFC Credit Cards
- Age: 21 to 60 years
- Minimum income: ₹15,000–₹40,000/month depending on card
- Indian resident with valid PAN and Aadhaar
- CIBIL score above 700 preferred
How to Apply?
- Visit HDFC’s official site or trusted platforms
- Select a card that matches your usage
- Enter Aadhaar + PAN, income details
- Upload e-KYC docs and verify
- Approval within 5–30 minutes (in most cases)
FAQs – HDFC Credit Cards 2025
Which is the best HDFC card for online shopping?
Millennia is ideal due to its 5% cashback on top e-commerce platforms.
Is Regalia Credit Card worth the annual fee?
If you travel often or enjoy lounge perks, the ₹2,500 fee gives excellent value with travel benefits.
What’s the difference between MoneyBack and MoneyBack+?
MoneyBack+ offers enhanced reward categories and ecommerce multipliers. It’s better for today’s digital shopper.
How soon can I expect the approval?
Usually within 30 minutes for salaried applicants if documents are ready.
Still unsure which card fits you best? Try our Free Card Matcher Tool and get matched in 60 seconds.
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