HDFC credit cards — fees compared

All 74 HDFC cards side by side. Fee columns are from HDFC's MITC (v4.3 (Jul-2026)); reward & lounge from each card's microsite. Click a column heading to sort, or search. Values are summarised — open a card for the full, source-cited detail. Data as of 2026-07-04.

CardSegmentJoining feeFee waiverFuelForexRewardsLounge
MillenniaVISADINERSPersonal₹1,000₹1L1%3.5%5% CashBack on leading brands - Amazon, Flipkart, My…Yes
Moneyback PlusVISARuPayPersonal₹500₹50k1%3.5%10X CashPoints(Upto 2.5% Valueback) on Amazon, Flipk…Yes
FreedomPersonal₹500₹50k1%3.5%10X Reward Points on your favourite merchants- Big B…Yes
Phonepe HDFC Bank UnoRuPayPersonal₹499₹1L1%3.5%2% Reward Points on Select PhonePe categories* (Rech…Yes
Phonepe HDFC Bank UltimoRuPayPersonal₹999₹2L1%3.5%10% Reward Points on Select PhonePe categories* (Rec…Yes
InfiniaPersonal₹10,000₹8L1%2%Earn 5 Reward Points on every Rs.150 spent*; Earn up…Yes
Diners Club Black Metal EditionDINERSPersonal₹10,000₹8LNo2%Up to 10X Reward Points on spending via SmartBuy . R…Yes
PIXEL PlayVISARuPayPersonal₹500₹1L1%5% CashBack on choice of any two following packs (Di…Yes
PIXEL GoVISARuPayPersonal₹250₹90k1%1% CashBack on eligible transactions; 5% Cashback on…Yes
HDFC Bank UPI RuPayRuPayPersonal₹99₹25kNo3.5%3% CashPoints on supermarket, groceries, dining spen…Yes
Regalia GoldVISAPersonal₹2,500₹4L1%2%5 Reward Points on every Rs. 200 spent (On retail sp…Yes
Diners PrivilegeDINERSPersonal₹1000₹3LNo3.5%5X Reward Points on online food orders on Swiggy, Zo…Yes
Tata Neu Infinity HDFC BankVISARuPayPersonal₹1,499₹3L1%5% back as NeuCoins on Non-EMI Spends on Tata Neu an…Yes
Tata Neu Plus HDFC BankVISARuPayPersonal₹499₹1L1%3.5%2% back as NeuCoins on Non-EMI Spends on Tata Neu an…Yes
Swiggy HDFC BankPersonal₹500₹2L3.5%10% CashBack on spends across Swiggy App on Food ord…Yes
Swiggy Ornge HDFC BankPersonal₹500₹1.5L3.5%5% CashBack* on all eligible Swiggy app spends (Food…Yes
Swiggy BLCK HDFC BankPersonal₹1000₹2L3.5%10% CashBack* on Swiggy application (Food ordering, …Yes
Marriott BonvoyDINERSPersonal₹3,0003.5%Earn 8 Marriott Bonvoy Points per Rs. 150 spent at h…Yes
IndianOil HDFC BankVISARuPayPersonal₹500₹50k1%3.5%Earn 5% of your spends as Fuel Points at IndianOil o…Yes
IRCTCPersonal₹500₹1.5L1%3.5%5 Reward Point for every ₹100 spent on IRCTC ticketi…Yes
Flipkart WholesalePersonal₹499₹3L1%3.5%5% CashBack on Flipkart Wholesale Online Spends, cap…Yes
Pine Labs ProPersonal₹1,000₹75k1%3.5%4 Reward Points (for every ₹150 spent) for all E-com…Yes
Paytm BusinessPersonal₹500₹30k1%3.5%3% CashPoints on purchases on Paytm [Recharge + Util…Yes
Regalia FirstPersonal₹1,000₹1L1%3.50%Earn 4 Reward Points on every ₹150 spent. Effective …Yes
Money BackPersonal₹500₹50k1%3.5%2X Reward Points on every ₹200 spent online. Reward …Yes
RegaliaPersonal₹2,500₹3L1%3.5%Earn 4 Reward Points on every ₹200 spent; Earn up to…Yes
Diners Club BlackDINERSPersonal₹10,000₹5L1%2%Earn 5 Reward Points for every ₹150/- spent; Earn up…Yes
PaytmVISAPersonal₹5001%3.5%3% CashBack on all purchase across Paytm (recharge, …Yes
Paytm SelectVISAPersonal₹1,000₹1.5L1%3.5%5% CashPoints on purchases on Paytm [Recharge + Util…Yes
Paytm DigitalPersonal₹1491%3.5%2% CashBack on select merchants when you use the Sca…Yes
Paytm MobilePersonal₹149₹1k2% cashback on all purchases across Paytm (Mall, mov…Yes
Titanium Times CardPersonal₹500₹1.5L1%3.5%2 Reward Points on every ₹150 retail spend. Earn 5 R…Yes
Platinum TimesPersonal₹1,000₹2.5L1%3.5%Get 3 Reward Points for every ₹150 spent on your car…Yes
6E Rewards IndigoPersonal₹500No3.5%2.5 6E Rewards per ₹100 Spends on flights booking on…Yes
6E Rewards XL IndigoPersonal₹1,500No2.50%2% 6E Rewards on spends across Grocery, Dining & Ent…Yes
Shoppers StopPersonal₹2991%3.5%3% Reward Points on every Shopper Stop purchase; 1% …Yes
Shoppers Stop BlackPersonal₹4,5001%3.5%7% Reward Points on every Shoppers Stop purchase and…Yes
Pine LabsPersonal₹499₹45k1%3.5%Earn 4 Reward Points per ₹150 spent on e-commerce, e…Yes
RetailioPersonal₹499₹50k1%3.5%4 Reward Points for every ₹150 spent on online; 2 Re…Yes
H.O.G Diners ClubDINERSPersonal₹10,000₹5L1%2%Earn 5 Reward Points for every ₹ 150/- retail spent;…Yes
Harley Davidson Diners ClubDINERSPersonal₹2500₹3L3.5%Earn 4 Reward Points on every ₹ 150 retail* spends; …Yes
Biz BlackBusiness₹10,000₹7.5LNoEarn 5 Reward Points on every Rs.150 spends* (1 Rewa…Yes
Biz FirstBusiness₹500₹50k1%3.5%3% CashPoints on EMI Spends (Earn Maximum 1,000 Cash…
Biz GrowBusiness₹500₹1L1%3.5%Earn 2 Cash Points on every ₹ 200 spent on your busi…
Biz PowerBusiness₹2,500₹4L1%Earn 5 Reward Points on every ₹200 spent for your bu…Yes
GIGA BusinessBusiness₹500₹50k1%3.5%2 CashPoints per ₹200 spent on general business expe…
HDFC Bank UPI RuPay BizBusiness₹99₹25kNo3.5%3% Cashpoints on Groceries, SuperMarket & Dining spe…
Paytm HDFC Bank BusinessBusiness₹500₹30k1%3.5%Get 3% on all purchases on Paytm [Recharge + Utility…
Paytm Select BusinessBusiness₹1,000₹1L1%3.5%5% CashBack on all purchases across Paytm*; 3% Cashp…Yes
Business RegaliaBusiness₹2,500₹3L1%3.5%Earn 4 Reward Points on every ₹200 spent on all reta…Yes
CSC Small Business MoneybackBusiness₹250₹25k1%3.5%On every ₹200 Spent - 4 Reward Points on online spen…
Best Price Save MaxBusiness₹1,000₹75k1%3.5%6 Reward Points on Best Price Spends (for every ₹150…Yes
Best Price Save SmartBusiness₹500₹50k1%3.5%1% CashBack on all Best Price spends up to ₹10,000 p…
Corporate PlatinumCommercial1%3.5%3X reward points for every ₹150 spent. (Maximum of 6…Yes
Purchase MoneybackCommercial2.5%Up to 1% CashBack on all retail purchases.*
Accounts Payable programCommercial
FleetCommercial1%
Corporate PremiumCommercial1%5 reward points for every ₹150 spent, with a maximum…Yes
PurchaseCommercial1%No. There are no reward points for spends in Purchas…
Accounts Receivables solutionCommercial
TMCCommercial
Purchase PremiumCommercial1%2.5%4 Reward Points for every ₹150 spent.* (Each reward …
Central Travel AccountCommercial
DealerCommercialNo
Purchase RewardCommercialUp to 1.25%* CashBack on your regular business expen…
Business GoldCommercial₹500₹5001%Reward Points on every ₹150 spent.Yes
Business Money BackCommercial₹500₹50k1%3.5%2X Reward Points (RP) on every ₹200 spent online* an…
Business PlatinumCommercialNil₹30k1%3.5%0.5% CashBack on retail spends above ₹10,000. 1% Cas…Yes
Business FreedomCommercial₹500₹20k1%3.5%Enjoy 5% CashBack on movies, dining, supermarket spe…
Corporate World MasterCommercial1%2X reward points for every ₹150 spent*Yes
Business Corporate MoneybackCommercial2 Reward Points for every ₹150 spentYes
Business Corporate RegaliaCommercial1%4X reward points for every ₹150 spent*Yes
Corporate Visa SignatureCommercial1%2X reward points for every ₹150 spent on the card.Yes
Business Regalia FirstCommercial₹1,000₹1L1%3.50%Earn 4 Reward Points on every ₹200 spent. Effective …Yes

Fees (joining/waiver/forex) cross-checked to the MITC; each card page shows the exact MITC line + the microsite value side by side under “Sources compared”.

Schedule of charges (all HDFC cards)

Verbatim from HDFC's MITC, with the page each charge is stated on. Common to all cards; variant exceptions noted per row.

ChargeAmount (verbatim)Applies toSource
Finance charges (revolving credit + cash advances) / Overdue interestInfinia, Infinia (Metal Edition), Diners Black Metal Edition, Diners Black, BizBlack Metal Card. — Monthly 1.99% / Annually 23.88%. All other variants — Monthly 3.75% / Annually 45.0%. Micro Enterprise Card — Monthly 1.5% / Annually 18% (new changes w.e.f 1st August'24)Rates vary by variant (see verbatim); charges excluding GSTPage 10 (section v. Finance charges for both revolving credit and cash advances; lines 1071-1094)
Cash advance feeA transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher would be levied on the amount withdrawn and would be billed to the Cardmember in the next statement. All cash advances also carry a finance charge equal to charges on revolving credit (Refer schedule of charges) from the date of withdrawal until the date of full payment. (Not Applicable for Paytm HDFC Bank Digital Credit Card as cash withdrawal is not allowed.) (Not Applicable for Micro Enterprise Card as cash withdrawal is not allowed.)All cards except Infinia / Infinia Metal Edition (2.5% excludes them); N/A for Paytm HDFC Bank Digital & Micro EnterprisePage 7 (section ii. Cash advance fee; lines 734-759)
Late payment fee / Charges in case of default (slab table)Charges in case of default (no payment or delayed payment): Basis Credit Card bill amount (excluding Infinia (Metal edition)) (w.e.f 1st August'24) — Outstanding Balance / Late Payment Charges (Excl. GST): Less than equal to ₹100 → Nil; ₹101 to ₹500 → ₹100/-; ₹501 to ₹1,000 → ₹500/-; ₹1,001 to ₹5,000 → ₹600/-; ₹5,001 to ₹10,000 → ₹750/-; ₹10,001 to ₹25,000 → ₹900/-; ₹25,001 to ₹50,000 → ₹1100/-; More than ₹50,000 → ₹1300/-All cards excluding Infinia (Metal edition)Page 13 (Charges in case of default; lines 1521-1543)
Late Fees (Insta Jumbo loans — EMI Outstanding banding slab table)Late Fees: Late fees + GST is being levied for Insta Jumbo loans based on the EMI Outstanding Banding as mentioned below in case of non-payment/partial payment of EMI outstanding (w.e.f 20th June, 2026). Outstanding Amount (TAD) / Late Payment Fee: Less than equal to ₹100 → Nil; ₹101 to ₹500 → ₹100/-; ₹501 to ₹1,000 → ₹500/-; ₹1,001 to ₹5,000 → ₹600/-; ₹5,001 to ₹10,000 → ₹750/-; ₹10,001 to ₹25,000 → ₹900/-; ₹25,001 to ₹50,000 → ₹1100/-; More than ₹50,000 → ₹1300/-Insta Jumbo loansPage 8 (section d. Late Fees; lines 813-834)
Over-limit fee (Charges on overlimit account)Charges on overlimit account: 2.5% of overlimit amount, subject to a minimum of ₹550 (Not applicable for Paytm HDFC Bank Digital Credit Card/ PhonePe HDFC Bank Ultimo Credit Card/ PhonePe HDFC Bank Uno Credit Card) as no over limit facility is provided)All cards except Paytm HDFC Bank Digital, PhonePe HDFC Bank Ultimo, PhonePe HDFC Bank Uno (also excl. Infinia / Infinia-Metal per p.11 over-limit note)Page 8 (section b. Charges on overlimit account; lines 801-806; also Page 11 lines 1156-1161)
Payment / cheque return fee (Payment Return Charges)Payment Return Charges: 2% of Payment amount subject to minimum of ₹450 ( Applicable for cheque payment return or unsuccessful payment attempt through Autopay facility) (Capping of Rs.4999 for Infinia & Infinia Metal Credit Card)All cards (cap of ₹4999 for Infinia & Infinia Metal)Page 8 (section c. Payment Return Charges; lines 807-812)
Reward-point / Rewards Redemption FeeRewards Redemption Fee: ₹99 Per redemption request - Applicable for all cards other than Infinia/ Infinia (Metal Edition)/ Diners Black Metal Edition/ Diners Black Card/ BizBlack Metal Card.All cards other than Infinia / Infinia (Metal Edition) / Diners Black Metal Edition / Diners Black Card / BizBlack Metal CardPage 8 (section f. Rewards Redemption Fee; lines 839-847)
Cashback Redemption ChargesCashback Redemption Charges: ₹50 per cashback redemption (Excluding Infinia , Infinia (Metal Edition), Diners Black, Diners Black (Metal Edition), Biz Black, Biz Black (Metal Edition), Tata Neu Infinity, Tata Neu Plus, Swiggy HDFC Credit Card, Swiggy Ornge HDFC Credit Card, Swiggy BLCK HDFC Credit Card Flipkart Wholesale ,Marriot Bonvoy, / PhonePe HDFC Bank Ultimo Credit Card/ PhonePe HDFC Bank Uno Credit Card, IRCTC HDFC Bank Credit Card ) (w.e.f 1st August'24)All cards except the excluded variants listed in verbatimPage 8-9 (lines 865-883)
Rent / rental transaction fee (Rent Pay Transactions)Rent Pay Transactions: W.e.f. 1st July 2025, 1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at Rs 4999 per transaction.All cardsPage 9 (section j. Rent Pay Transactions; lines 912-916)
Cash Processing FeeCash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)All cardsPage 8 (section e. Cash Processing Fee; lines 836-838)
Instant / EasyEMI Processing Fee (at merchant)EasyEMI Processing Fee: An EMI processing fee of upto ₹299 will be levied for customers availing EMI facility at merchant (w.e.f 1st August'24)Customers availing EMI facility at merchantPage 9 (section i; lines 902-909)
Conversion charges - Auto EMI (Easy EMI Credit Card)Conversion charges - Auto EMI: Applicable on all transactions (Excluding Fuel, Gold, and Jewellery) of Rs 10,000/- or more done on Easy EMI Credit Card. EMI conversion will be done for a tenure of 9 months, at an ROI of 20% per annum, and processing fee of Rs 99 + GST for all loan amount.Easy EMI Credit Card (txns Rs 10,000/- or more, excl. Fuel/Gold/Jewellery)Page 8 (section a; lines 794-800)
Insta Loan / Jumbo Loan / Smart EMI processing & pre-closureJumbo Loan Processing Fee: Processing fees levied is upto Rs 1,799, (Exclusive of GST for all loan amounts) depending on the customer's eligibility/offer details. Insta Loan Processing Fee: Processing fees levied upto Rs 1,499 (Exclusive of GST for all loan amount) depending on customer's eligibility/offer details. Smart EMI Processing Fee: Processing fees levied is upto Rs 849, (Exclusive of GST for all loan amounts) depending on the customer's eligibility/offer details. Pre-Closure Charges: 3% of the Balance Principal OutstandingInsta Loan, Jumbo Loan, Smart EMI customersPage 9 (section i; lines 888-911)
Balance Transfer Processing ChargesBalance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.All cardsPage 9 (section g; lines 884-885)
Duplicate physical statement chargesDuplicate physical statement charges: ₹10 per duplicate physical statementAll cardsPage 9 (section h; lines 886-887)
Add-on Card FeeAdd-on Card Fee: Lifetime FreeAll cardsPage 9 (section p; line 973)
Railway Ticket Purchase FeeRailway Ticket Purchase Fee: 1% of the transaction amount + GST will be charged on Railway Ticket Purchases. (Refer IRCTC website for detailed fee structure). Applicable for all cards other than IRCTC. For IRCTC HDFC Bank Credit Card: 1% of the transaction amount as Railway Ticket Purchase fee will be waived off as charges reversal on bookings made via IRCTC mobile app/website... capped at maximum INR 1000 per month.All cards other than IRCTC (waived/reversed for IRCTC HDFC Bank Credit Card)Page 7 (section iii; lines 781-793)
Card Validation chargesCard Validation charges: ₹2 will be charged on the Credit Card and the same shall not be reversed by the bank (All variants except MasterCard). ₹25 will be charged and made void at the POS terminal (Applicable for MasterCard variant)... Rs. 2 will be charged and made void at the POS terminal for MasterCard variant from 1st January 2024 onwards.All variants except MasterCard (₹2); MasterCard variant (₹25 / ₹2 from 1st Jan 2024)Page 9 (section k; lines 917-929)
Reissue of Lost, Stolen or Damaged CardReissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards; ₹3,500 for metal cards.Non-metal cards (₹199) / metal cards (₹3,500)Page 9 (section n; lines 960-964)
Dynamic currency conversion / currency conversion Markup FeeDynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas. FCY Markup fees will be clubbed and shared as one single entry on the credit card statement.All cardsPage 9 (section o; lines 965-972)
Foreign Currency Transaction fee (Markup) — % of transaction valueForeign Currency Transactions % Of transaction value: 2% (Infinia Metal Edition, Infinia); 2.50% (6E Rewards Indigo XL); 3.50% (Regalia First / Business Regalia First, Diners Club Rewardz, Diners Club Miles, PhonePe HDFC Bank Ultimo, PhonePe HDFC Bank Uno). #FCC charges on Times Titanium to change from 2% to 3.5% (w.e.f 10th Feb'2024). ## FCC charges changing to 3.5% w.e.f 1st August'24. *** Currency conversion rate as on settlement date applicableVaries by variant (see verbatim)Pages 2-7 (Joining/Annual fee table, Foreign Currency Transactions column; lines 146-698)
Fuel Charges (fee on high-value fuel transactions)Fuel Charges: 1% fee will be levied on Fuel transaction exceeding - Rs 15,000 for consumer cards Rs.30,000 for business cards. Fee will be applied on the total transacted amount. Fee capped at Rs 4999 per transaction.Consumer cards (>Rs 15,000) / business cards (>Rs 30,000)Page 9 (section q; lines 974-979)
Utility ChargesUtility Charges: 1% fee will be levied on utility spends exceeding Rs 50,000 per Calendar month for consumer cards Rs.75,000 per Calendar month for business cards. Fee will be applied on the total Utility spends in a calendar month. Fee capped at Rs 4999 per month.Consumer cards (>Rs 50,000/mo) / business cards (>Rs 75,000/mo)Page 9 (section s; lines 980-988)
Education ChargesEducation Charges: 1% fee will be levied on Education transactions done through third party applications like (but not limited to ) CRED, Nobroker, Cheq etc. Fee capped at Rs 4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged. International Education transactions will not be chargedEducation txns via third-party apps (CRED, Nobroker, Cheq etc.); direct college/school & international excludedPages 9-10 (section t; lines 989-998)
Online Skill based Gaming feeOnline Skill based Gaming- W.e.f. 1st July 2025, 1% fee will be levied on Online Skill based gaming spends exceeding Rs 10,000 in a calendar month. Fee will be applied on the total Online skill-based gaming spends in a calendar month. Fee capped at Rs 4999 per month.All cards (spends >Rs 10,000/mo)Page 10 (section v; lines 1025-1030)
Wallet Loading fee (excl PayZapp)Wallet Loading (excl PayZapp) - W.e.f. 1st July 2025, 1% fee will be levied on Wallet loading spends exceeding Rs 10,000 in a calendar month. Fee will be applied on the total wallet loading spends in a calendar month Fee capped at Rs 4999 per month.All cards (wallet loading >Rs 10,000/mo, excl PayZapp)Page 10 (section w; lines 1031-1036)
Global Value Program - Annual Membership FeesGlobal Value Program - Annual Membership Fees of Rs. 199+GST will be charged for customers enrolled for Global Value Program (GVP). If enrolled, the membership gets auto-renewed every year along with a fee of 199+GST.Customers enrolled for Global Value Program (GVP)Page 10 (section u; lines 1017-1024)
Interest free (grace) periodThe interest free credit period could range from 20 to 50 days subject to the scheme applicable... For BizBlack Metal Card, BizPower, BizGrow, BizFirst, GIGA, Micro Enterprise Card: Interest free credit period ranges from 25 to 55 days.Most cards 20-50 days; Biz/GIGA/Micro Enterprise 25-55 daysPage 10 (section iv; lines 1037-1070)
Priority Pass Lounge ChargesPriority Pass Lounge Charges: (For Regalia / Regalia Activ / Doctor's Regalia / Regalia Gold/ Tata Neu Infinity/ Business Regalia/ BizPower): All lounge visits within India using Priority Pass will be charged at $27 (in INR equivalent) + Taxes per person per visit. All lounge visits outside India beyond the complimentary cap will be charged at $27 (in INR equivalent Card) - Taxes per person per visit... All guest/s ... charged at $27 (in INR equivalent) + Taxes per person per visit.Regalia / Regalia Activ / Doctor's Regalia / Regalia Gold / Tata Neu Infinity / Business Regalia / BizPowerPage 9 (section l; lines 930-952)
V2P SmartHub Vyapar chargeV2P SmartHub Vyapar charge: Flat interest of 1% + GST on the transaction amount will be charged on Business Cards for making Vendor Payments / Utility Payments / GST via V2P module in SmartHub Vyapar. (Transactions via SmartHub Vyapar has been discontinued effective Feb'24 on business cards).Business Cards (discontinued Feb'24)Page 9 (section m; lines 953-959)

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