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HDFC Bank credit cards: 27 you can apply for

The best one for most people is HDFC Diners Club Black Metal.

₹28,200a year after fees, at ₹75,000 a month

HDFC Diners Club Black Metal credit card

HDFC Diners Club Black Metal

₹28,200 a year, after fees

₹10,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 3.3%–33.3%

Ranked higher: its bonus category adds ₹11,900 a year

Keep

It pays back the most of the 27 HDFC Bank cards open to apply that we can value.

Rank all 27 at your own spend in the card finder

Verified 13 sources

Points and where they go

HDFC Bank's main points currency is HDFC Reward Points, worth ₹1.00 a point: 22 airline and hotel programmes take them. Its cards earn 7 kinds of points in all.

What HDFC Bank cards earn
ProgrammeWorth a pointCardsPartners
HDFC Reward Points₹1.004122
HDFC Bank CashPoints₹1.0020none
Tata NeuCoins₹1.002none
HDFC PIXEL Times Reward Points₹0.252none
IRCTC HDFC Bank Reward Points₹1.001none
Marriott Bonvoyevery way to earn them ₹0.501none
InterMiles₹0.204none

10 more cards pay cash back. Values are what we think a point is worth in India.

Every HDFC Bank transfer partner 59 routes
HDFC Reward Points: where they transfer
Transfer toRatioOne point becomesTime
Singapore Airlines KrisFlyer1:1₹1.107 working days
Air Canada Aeroplan2:1₹0.5024 hours
Avianca LifeMiles2:1₹0.5024 hours
The British Airways Club (Avios)2:1₹0.5024 hours
Qatar Airways Privilege Club (Avios)2:1₹0.5024 hours
Finnair Plus (Avios)1:1₹1.0024 hours
Air France-KLM Flying Blue1:1₹1.0024 hours
Cathay Asia Miles2:1₹0.5024 hours
Etihad Guest2:1₹0.5024 hours
Turkish Airlines Miles&Smiles2:1₹0.5024 hours
United MileagePlus2:1₹0.5024 hours
Thai Royal Orchid Plus2:1₹0.5024 hours
Air India Maharaja Club2:1₹0.5048–96 hours
Vietnam Airlines Lotusmiles1:1₹1.0024 hours
AirAsia Rewards1:1₹0.2324 hours
SpiceJet SpiceClub1:1₹0.5024 hours
ALL - Accor Live Limitless2:1₹1.0724 hours
Marriott Bonvoy2:1₹0.2524 hours
Club ITC2:1₹0.502–4 working days
IHG One Rewards1:1₹0.5524 hours
Radisson Rewards1:1₹0.2224 hours
Wyndham Rewards1:1₹0.6524 hours

Ratios read HDFC Reward Points : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Marriott Bonvoy: where they transfer
Transfer toRatioOne point becomesTime
Southwest Rapid RewardsMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.401–2 days
Singapore Airlines KrisFlyerMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.372–4 days
Japan Airlines Mileage BankMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.37~2 days
Air Canada AeroplanMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~5 days
ANA Mileage ClubMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.334–7 days
Air France-KLM Flying BlueMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.331–3 days
Copa Airlines ConnectMilesMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~3 days
Thai Royal Orchid PlusMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~4 days
Turkish Airlines Miles&SmilesMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~1 day
United MileagePlusMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.332–5 days
American Airlines AAdvantageMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~2 days
The British Airways Club (Avios)Marriott Bonvoy is itself a programme: a move between programmes 3:1₹0.331–3 days
Cathay Pacific Asia MilesMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.331–5 days
Iberia Plus (Avios)Marriott Bonvoy is itself a programme: a move between programmes 3:1₹0.331–2 days
Qantas Frequent FlyerMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~2 days
Qatar Airways Privilege Club (Avios)Marriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~3 days
Saudia AlfursanMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~5 days (crowdsourced)
Delta SkyMilesMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.331–2 days
Aegean Miles+BonusMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~3 days
Aer Lingus AerClubMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33not published
Alaska Airlines Atmos RewardsMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~1 day
Avianca LifeMilesMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~1 day
Etihad GuestMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~3 days
Hainan Airlines Fortune WingsMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~8 days
Virgin Atlantic Flying ClubMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.331–2 days
Virgin Australia VelocityMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33~1 day
Vueling ClubMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33not published
Ethiopian ShebaMilesMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.33not published
Air China PhoenixMilesMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.30not published
Emirates SkywardsMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.30~3 days
TAP Air Portugal Miles&GoMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.27not published
LATAM PassMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.27~2 days
LATAM Pass BrazilMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.27not published
Air New Zealand AirpointsMarriott Bonvoy is itself a programme: a move between programmes 200:1₹0.26~1 day
China Southern Sky Pearl ClubMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.25not published
Aeroméxico RewardsMarriott Bonvoy is itself a programme: a move between programmes 3:1₹0.20~4 days
Frontier Miles3:1not pricednot published

Ratios read Marriott Bonvoy : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Compare every route, including longer ones through other programmes

Recent changes

All 40 HDFC Bank changes since 2001

All 116 HDFC Bank cards

Fees run ₹0 to ₹12,500, and 10 of them are genuinely free for life. We cannot value 43 of them: HDFC Bank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 96 keep, 12 downgrade, 8 cancel.

Open to apply 27

  1. HDFC Diners Club Black Metal credit card

    HDFC Diners Club Black Metal

    ₹28,200 a year, after fees

    ₹10,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 3.3%–33.3%

    Ranked higher: its bonus category adds ₹11,900 a year

    Keep

  2. HDFC Regalia Gold credit card

    HDFC Regalia Gold

    ₹29,800 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1.6%–16.3%

    Keep

  4. Marriott Bonvoy HDFC Bank credit card

    Marriott Bonvoy HDFC Bank

    ₹17,600 a year, after fees

    ₹3,000 fee · Lounges in India and abroad · Reward rate 0.7%–2.7%

    Keep

  6. Tata Neu Infinity HDFC Bank credit card

    Tata Neu Infinity HDFC Bank

    ₹12,700 a year, after fees

    ₹1,499 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1.5%–10%

    Ranked higher: its bonus category adds ₹6,300 a year

    Keep

  7. HDFC Bank Millennia credit card

    HDFC Bank Millennia

    ₹12,500 a year, after fees

    ₹1,000 fee · Lounges in India · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹7,200 a year

    Keep

  8. HDFC Diners Club Privilege credit card

    HDFC Diners Club Privilege

    ₹14,500 a year, after fees

    ₹1,000 fee · Lounges in India and abroad · 1 transfer partner · Reward rate 1%–10%

    Keep

19 more open to apply by value

  1. HDFC Bank PIXEL Play

    ₹8,500 a year, after fees

    ₹500 fee · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹5,400 a year

    Keep

  2. Tata Neu Plus HDFC Bank

    ₹8,500 a year, after fees

    ₹499 fee · Lounges in India · Reward rate 1%–7%

    Ranked higher: its bonus category adds ₹3,200 a year

    Keep

  3. Paytm HDFC Bank Select

    ₹10,500 a year, after fees

    ₹1,000 fee · Lounges in India · Reward rate 1%–5%

    Keep

  4. PhonePe HDFC Bank Ultimo

    ₹0 a year, after fees

    ₹999 fee · Lounges in India · Reward rate 0%–10%

    Ranked higher: its bonus category adds ₹10,800 a year

    Keep

  5. Shoppers Stop Black HDFC Bank

    ₹4,000 a year, after fees

    ₹4,500 fee · Lounges in India and abroad · Reward rate 1%–7%

    Ranked higher: its bonus category adds ₹5,400 a year

    Keep

  6. HDFC PIXEL Go

    ₹8,500 a year, after fees

    ₹250 fee · Reward rate 1%–5%

    Keep

  7. Paytm HDFC Bank Digital

    ₹6,000 a year, after fees

    ₹149 fee · Reward rate 1%–2%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  8. IndianOil HDFC Bank Credit Card

    ₹4,100 a year, after fees

    ₹500 fee · Reward rate 0.6%–4.8%

    Ranked higher: its bonus category adds ₹3,200 a year

    Keep

  9. IRCTC HDFC Bank Credit Card

    ₹10,500 a year, after fees

    ₹500 fee · Reward rate 1%–10%

    Ranked lower: includes points worth full value only in one app

    Keep

  10. HDFC Bank MoneyBack+

    ₹2,100 a year, after fees

    ₹500 fee · Reward rate 0.3%–2.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Keep

  11. Paytm HDFC Bank Mobile

    ₹4,200 a year, after fees

    ₹149 fee · Reward rate 0.5%–2%

    Ranked higher: its bonus category adds ₹1,100 a year

    Keep

  12. HDFC Bank PIXEL Times Credit Card (Rush)

    ₹2,300 a year, after fees

    ₹1,000 fee · Reward rate 0.3%–2.5%

    Ranked higher: its bonus category adds ₹3,000 a year

    Keep

  13. Shoppers Stop HDFC Bank

    ₹1,100 a year, after fees

    ₹299 fee · Reward rate 0.3%–3%

    Ranked higher: its bonus category adds ₹2,500 a year

    Keep

  14. HDFC Bank PIXEL Times Credit Card (Move)

    ₹2,300 a year, after fees

    ₹500 fee · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  15. HDFC Bank UPI RuPay

    ₹1,500 a year, after fees

    ₹99 fee · Reward rate 0.3%–0.8%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  16. HDFC Bank UPI RuPay Mega Saver

    ₹1,500 a year, after fees

    ₹99 fee · Reward rate 0.3%–0.8%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  17. Paytm HDFC Bank

    ₹8,500 a year, after fees

    ₹500 fee · Reward rate 1%–3%

    Downgrade

  18. PhonePe HDFC Bank Uno

    ₹0 a year, after fees

    ₹499 fee · Reward rate 0%–2%

    Ranked higher: its bonus category adds ₹2,200 a year

    Downgrade

  19. HDFC Bank Freedom

    ₹600 a year, after fees

    ₹500 fee · Reward rate 0.1%–0.8%

    Ranked higher: its bonus category adds ₹1,200 a year

    Downgrade

Invite only 1

  1. HDFC Infinia Metal credit card

    HDFC Infinia Metal

    ₹28,200 a year, after fees

    ₹12,500 fee · Lounges in India and abroad · 2% forex markup · Reward rate 3.3%–33.3%

    Ranked lower: needs ₹18 lakh of spend a year to keep

    Keep Invite only

Not confirmed on sale 5 cards

  3. PharmEasy HDFC Bank

    Not valued fee or rewards not published

    ₹500 fee

    Keep

  4. Snapdeal HDFC Bank

    Not valued fee or rewards not published

    ₹500 fee

    Keep

Business cards 24 cards
  1. HDFC Biz Black Metal credit card

    HDFC Biz Black Metal

    ₹33,200 a year, after fees

    ₹10,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 3.3%–33.3%

    Ranked higher: its bonus category adds ₹11,900 a year

    Keep

  2. HDFC BizPower credit card

    HDFC BizPower

    ₹13,800 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1.6%–16.3%

    Ranked higher: its bonus category adds ₹8,700 a year

    Keep

  3. Flipkart Wholesale HDFC Bank credit card

    Flipkart Wholesale HDFC Bank

    ₹8,500 a year, after fees

    ₹499 fee · 1% forex markup · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹7,200 a year

    Keep

  4. Paytm HDFC Bank Select Business credit card

    Paytm HDFC Bank Select Business

    ₹9,500 a year, after fees

    ₹1,000 fee · Lounges in India · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹5,000 a year

    Keep

  5. Paytm HDFC Bank Business

    ₹9,000 a year, after fees

    ₹500 fee · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

  6. HDFC Bank Corporate Premium

    ₹9,000 a year, after fees

    ₹0 fee · Lounges in India and abroad · Reward rate 1%

    Keep

  7. HDFC Bank Purchase Premium

    ₹4,800 a year, after fees

    ₹0 fee · Reward rate 0.5%–5%

    Ranked higher: its bonus category adds ₹4,000 a year

    Keep

  8. HDFC Bank BizGrow

    ₹5,100 a year, after fees

    ₹500 fee · Reward rate 0.3%–3%

    Ranked higher: its bonus category adds ₹2,900 a year

    Keep

  9. HDFC Bank GIGA Business

    ₹3,700 a year, after fees

    ₹500 fee · Reward rate 0.2%–0.6%

    Keep

  11. HDFC Bank Biz First

    ₹1,400 a year, after fees

    ₹500 fee · Reward rate 0.1%–0.3%

    Keep

  16. HDFC Bank UPI RuPay Biz

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%–0.8%

    Keep

  17. HDFC Bank Corporate Platinum

    Not valued fee or rewards not published

    Fee not published · Lounges in India · Reward rate 0.6%

    Keep

  18. HDFC Bank Business Corporate Regalia

    Not valued fee or rewards not published

    Fee not published · Lounges in India and abroad · Reward rate 0.8%

    Keep

  19. HDFC Bank Business Corporate MoneyBack

    Not valued fee or rewards not published

    Fee not published · Lounges in India and abroad · Reward rate 0.4%

    Keep

  20. HDFC Bank SAP Concur Black

    Not valued fee or rewards not published

    Fee not published · Lounges in India and abroad · Reward rate 1%

    Keep

Closed or paused 59 cards

  1. HDFC Bank Diners Club Black (non-metal)

    ₹30,000 a year, after fees

    ₹10,000 fee · Lounges in India and abroad · Reward rate 3.3%–33.3%

    Ranked higher: its bonus category adds ₹13,500 a year

    Keep Closed

  2. Swiggy HDFC Bank Credit Card

    ₹6,000 a year, after fees

    ₹500 fee · Reward rate 1%–10%

    Ranked higher: its bonus category adds ₹13,500 a year

    Keep Closed

  3. HDFC Bank Diners Club Miles

    ₹18,000 a year, after fees

    ₹1,000 fee · Lounges in India and abroad · Reward rate 2%

    Keep Closed

  4. HDFC Harley-Davidson Diners Club

    ₹16,100 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · Reward rate 1.3%–13.3%

    Keep Closed

  5. HDFC Bank Easy EMI

    ₹9,000 a year, after fees

    ₹500 fee · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹5,400 a year

    Keep Closed

  6. Pine Labs HDFC Bank Pro

    ₹12,000 a year, after fees

    ₹1,000 fee · Lounges in India · Reward rate 1.3%–5%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep Closed

  7. HDFC Regalia Activ

    ₹16,000 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · Reward rate 1%

    Ranked lower: includes ₹7,500 in vouchers

    Keep Closed

  9. HDFC Bank Superia

    ₹9,500 a year, after fees

    ₹1,000 fee · 1 transfer partner · Reward rate 1.1%–1.6%

    Keep Closed

  10. HDFC Bank Business Regalia

    ₹9,000 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · Reward rate 1%

    Keep Closed

  13. Pine Labs HDFC Bank

    ₹3,000 a year, after fees

    ₹499 fee · Reward rate 0.3%–5%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep Closed

  14. Retailio HDFC Bank Business

    ₹3,000 a year, after fees

    ₹499 fee · Reward rate 0.3%–5%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep Closed

  15. Best Price Save Max HDFC Bank

    ₹3,600 a year, after fees

    ₹1,000 fee · Lounges in India and abroad · Reward rate 0.4%–1.2%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep Closed

  18. HDFC Bank Solitaire

    ₹2,700 a year, after fees

    ₹500 fee · Reward rate 0.3%–0.5%

    Keep Closed

  20. HDFC Bank Titanium Times

    ₹900 a year, after fees

    ₹500 fee · Reward rate 0.1%–0.3%

    Keep Closed

  21. HDFC Regalia

    ₹16,000 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · 1 transfer partner · Reward rate 1%–5%

    Downgrade Closed

  22. HDFC Bank Regalia First

    ₹4,100 a year, after fees

    ₹1,000 fee · Reward rate 0.5%–5%

    Downgrade Paused

  23. HDFC Bank Diners Club Rewardz

    ₹4,100 a year, after fees

    ₹1,000 fee · 1 transfer partner · Reward rate 0.5%

    Downgrade Closed

  24. HDFC Bank Business Bharat CashBack

    ₹0 a year, after fees

    ₹500 fee · Reward rate 0%–5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Downgrade Closed

  26. HDFC Bank Bharat

    ₹0 a year, after fees

    ₹500 fee · Reward rate 0%–5%

    Ranked higher: its bonus category adds ₹1,800 a year

    Downgrade Closed

  33. HDFC Bank All Miles

    Not valued fee or rewards not published

    ₹1,000 fee

    Keep Closed

  35. HDFC Bank Doctor's Regalia

    Not valued fee or rewards not published

    ₹2,500 fee · Lounges in India and abroad

    Keep Closed

  37. HDFC Bank H.O.G Diners Club

    Not valued fee or rewards not published

    ₹10,000 fee · Lounges in India and abroad

    Keep Closed

  39. HDFC Bank Platinum Edge

    Not valued fee or rewards not published

    ₹599 fee

    Downgrade Closed

  40. HDFC Bank Platinum Plus

    Not valued fee or rewards not published

    Fee not published

    Keep Closed

  43. HDFC Bank Titanium Edge

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.1%

    Keep Closed

  44. HDFC Bank Visa Signature

    Not valued fee or rewards not published

    Fee not published

    Keep Closed

  48. HDFC Bank Gold

    Not valued fee or rewards not published

    ₹199 fee

    Keep Closed

  49. HDFC Bank Woman's Gold

    Not valued fee or rewards not published

    Fee not published

    Keep Closed

  50. HDFC Bank Titanium

    Not valued fee or rewards not published

    ₹249 fee

    Keep Closed

  52. HDFC Bank Silver

    Not valued fee or rewards not published

    Fee not published

    Keep Closed

  53. HDFC Bank Value Plus

    Not valued fee or rewards not published

    Fee not published

    Keep Closed

  55. HDFC Bank SAP Concur Prime

    Not valued fee or rewards not published

    Fee not published · Lounges in India · Reward rate 0.6%

    Downgrade Closed

Filter HDFC Bank cards by fee, lounges or forex

Standard charges

The charges HDFC Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

HDFC Bank's standard charges
ChargeWhat the bank saysOur readCards
Late payment feeNil ≤₹100; ₹100 (₹101–500); ₹500 (₹501–1,000); ₹600 (₹1,001–5,000); ₹750 (₹5,001–10,000); ₹900 (₹10,001–25,000); ₹1,100 (₹25,001–50,000); ₹1,300 (>₹50,000)16 of 26
Cash withdrawal fee2.5%, min ₹50019 of 33
Add-on card feeLifetime freeFree23 of 28

Cards counts the HDFC Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

HDFC Bank in RBI's figures

Cards in force
2,70,99,584
21.8% of India's cards
Spent in August 2026
₹61,322 crore
65% of it online
Spend per card
₹22,629
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The HDFC Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official HDFC Bank MITC v4.15 (October 2026) — the card's own fee row, "No waiver on Joining Fee", forex 3.5% read
  2. Official Fees & charges / MITC PDF (Version 2.5, Mar-2025) — KFS table gives Infinia (Metal Edition) ₹12,500 fee, "₹10 Lakh / Annum" waiver and a 2% foreign-currency markup read
  3. Official HDFC Bank MITC / Key Fact Statement v3.9 (April-2026, updated 08-May-2026) — BizBlack Metal Card at ₹10,000 joining/annual, ₹7.5 Lakh/annum waiver, 2% foreign-currency markup read
  4. Official Fees & charges — "Joining Fee: ₹4500 plus Applicable Taxes / Renewal Fee: ₹4500 plus Applicable Taxes", ₹99 + taxes per redemption read
  5. Official Fees and charges — ₹500 joining and ₹500 renewal, waived on ₹30,000 in ninety days and ₹50,000 in twelve months read
  6. Official Fees and charges — a single ₹149 annual membership fee, its two waiver arms, and the pre-April-2023 monthly pricing read
  7. Official Fees and charges — a single ₹149 yearly membership fee, waived first year on ₹1,000 in 40 days and thereafter on ₹25,000 read
  8. Official Fees and charges — joining fee NIL, renewal fee ₹499, waived on ₹3,00,000 of spend before the renewal date read
  9. Official HDFC Bank Key Fact Statement cum MITC, updated 15 Dec 2025 — Indian Oil HDFC Bank at ₹500, waived on ₹50,000 a year, with a 1% fuel-surcharge waiver capped at ₹250 a cycle read
  10. Official HDFC Bank's Regalia product page — the banner reads "Sourcing of this Credit Card has been stopped. Existing customers of this card will continue to enjoy the benefits," read
  11. Official HDFC's card FAQ — the 5%/3%/1% grid with its per-leg accrual caps, the twelve lounge visits, and the ₹1,000 annual fee read
  12. Official Official fees & charges page — "Joining Fee: ₹1,000 plus applicable taxes / Renewal Fee: ₹1,000 plus applicable taxes / Fee Waiver: Spend ₹3 lakh" read
  13. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read