HDFC BANK

HDFC Bank has several great credit cards that can offer value in many different ways.

HDFC Bank Credit Cards (India)

Tata Neu Infinity: 5% NeuCoins on Tata spends, ₹1,499 annual fee, lounge access via quarterly spend.
Infinia Metal: Invite-only, ₹12,500 fee, unlimited lounge access, concierge, 10X rewards.
Diners Black Metal: ₹10,000 fee, unlimited global lounge, 10X SmartBuy, dining rewards.
Millennia: ₹1,000 fee, 5% cashback on Amazon, Flipkart, Swiggy, ₹1k vouchers per ₹1 lakh spend.
Swiggy Card: ₹500 fee, 10% on Swiggy/Instamart, 5% on other e-comm, Swiggy One included.
MoneyBack+: ₹500 fee, 10X points on Amazon, Flipkart, grocery, milestone vouchers.
PIXEL (Play/Go): 1–5% flexible cashback via PayZapp app, EMI, and UPI enabled.

1% transaction fees for gaming, wallet loads, and utility bills beyond the threshold.
No reward points on insurance over caps; wallet and rent spends excluded.
Quarterly spend is now required for lounge access (Tata Neu Infinity).
Lifetime Free offers on select cards expired Jan 2025; contact the bank for upgrade offers.
Policy around holding multiple cards (2 core + co-branded) is unclear.

Card	Annual Fee	Benefits	Lounge Access
Millennia	₹1,000	5% cashback on top platforms	Voucher-based (quarterly)
MoneyBack+	₹500	10X on Amazon, Flipkart, groceries	No
Swiggy Card	₹500	10% on Swiggy, 5% on e-commerce	No
PIXEL Play / Go	₹0–₹750	Flexible cashback, mobile-first	No
Tata Neu Infinity	₹1,499	NeuCoins, travel deals	Spend-based (quarterly)
Diners Black Metal	₹10,000	10X SmartBuy, premium perks	Unlimited global
Infinia Metal	₹12,500	Concierge, 10X rewards, travel	Unlimited global

Watch out for new fees on high-value utility, gaming, and wallet loads.
Check the updated lounge rules if you travel often.
Lifetime free card status must be confirmed each year if obtained via promotion.

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