BEST FOR SHOPPING AT SHOPPERS STOP (7% REWARD RATE)

Shoppers Stop Black HDFC Credit Card

Shoppers Stop Black HDFC Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
7%
Reward on Shoppers Stop purchases up to ₹28570 per month
✔︎
Complimentary access to airport lounges in India (4 times per quarter), and abroad (2 times per quarter)
✔︎
Complimentary Shoppers Stop Black membership worth ₹4,500.
Annual Fee

₹4500

Minimum Income

Salaried : ₹70,000 per month || Self-employed : ₹8.40 lakhs per year

Annual Fee Offers
  • Welcome Offer: Shoppers Stop vouchers worth ₹1500, Shoppers Stop Black membership worth ₹4500
  • Renewal Offer: Continued membership of Shoppers Stop Black membership worth ₹4500

7% reward on all Shoppers Stop purchases up to ₹28570 per month

  • Earn 7 reward points worth ₹7, on every ₹100 you spend in this category.
  • This is valid only on spends up to ₹28570 per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
  • 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

2% reward on all other card purchases

  • You earn 2 reward points worth ₹2, on every ₹100 you spend in this category.
  • This is valid on card spends up to ₹1 lakh per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
  • 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers..
  • Exceptions: No reward points are given on fuel, wallet loads, rent, utilities, jewellery/gold coins, EMI transactions, account fees and payment.

Complimentary visits to airport lounges in India – 4 times per quarter 

Complimentary visits to airport lounges outside India – 2 times per quarter 

Complimentary insurance covers

  • Accidental air death cover of ₹3 crores.
  • Emergency overseas hospitalisation cover up to ₹50 lakhs.
  • Credit liability cover up to ₹9 lakhs

Fuel surcharge waiver (up to ₹500 per month)

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Benefits

  • Strong reward rate of 7% on Shoppers Stop purchases
  • Decent reward rate of 2% on non-Shoppers Stop purchases as well
  • Exclusive privileges as a Shoppers Stop Black Tier member
  • Domestic & international airport lounge access
  • Emergency Overseas Hospitalisation cover, up to ₹50 lakhs

Drawbacks

  • Suitable only for Shoppers Stop consumers, since the best value for reward points redemption is for Shoppers Stop vouchers

To read the full review of the card , please click here

BEST IN CLASS REWARDS STRUCTURE (UP TO 33%) AND LIFESTYLE BENEFITS

HDFC Bank INFINIA Metal Credit Card

HDFC Bank INFINIA Metal Credit Card - Our Money Guide Our Rating 4.50
Top Reasons to Choose
✔︎
33.3% reward on hotels and select partners
✔︎
16.6% reward on flights, gift vouchers, holiday packages, and more
✔︎
10% reward on IRCTC train tickets
✔︎
3.3% reward on other card spends
✔︎
Unlimited domestic & international airport lounge access
✔︎
Unlimited golf rounds in India and abroad
Annual Fee

₹12500

Minimum Income

By Invite

Annual Fee Offers
  • Welcome Offer: ₹12500 + 1 year Marriott membership
  • Renewal Offer: Renewal fee waived at ₹10 lakh annual spend, else 12500 reward points worth ₹12500 on payment of renewal fee

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform:

  • 10X (33.3%): Hotels, select partners (Jockey, PharmEasy, IGP.com)
  • 5X (16.6%): Flights, buses, holiday packages, gift vouchers, Apple, Myntra, Nykaa
  • 3X (10%): IRCTC train bookings

▶︎ Regular Card Spending:

  • 1X (3.3%): All other purchases (unlimited earning)

▶︎ Monthly Limits:

Smartbuy categories (3X-10X): 15,000 accelerated reward points limit. Limit reached between ₹50,000 - ₹2.25 lakh monthly spending, depending on category mix - 

  • 10X categories: Limit reached at ₹50,000 spending
  • 5X categories: Limit reached at ₹1.12 lakh spending
  • 3X categories: Limit reached at ₹2.25 lakh spending

Regular spending (1X): No limits

▶︎ Reward Point Values:

  • ₹1 per point: Flight/hotel bookings, Apple products, Tanishq 
  • ₹0.50 per point: Vouchers and products
  • ₹0.30 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

Premium Benefits

▶︎ Airport Lounge Access

  • Unlimited domestic & international lounge access 
  • Available for add-on cardholders also

▶︎ Golf & Hotels

  • Unlimited golf rounds worldwide, unlimited coaching lessons in India
  • ITC Hotels: Pay for 2 nights, stay 3. Dining discounts
  • Marriott Club membership (1 year): 15-20% F&B discounts, room rate savings

▶︎ Insurance Coverage

  • ₹3 crore accidental air death
  • ₹50 lakh overseas medical emergency
  • ₹9 lakh lost card 
  • ₹9 lakh credit shield protection

▶︎ Fuel Surcharge Waiver

  • Surcharge waiver up to ₹1,000 per month
  • Valid only on fuel transactions between ₹400 and ₹1 lakh
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Benefits

  • Best-in-class rewards program with up to 33.3% value
  • Comprehensive travel benefits including unlimited lounge access
  • Premium lifestyle privileges like unlimited golf
  • Lower foreign currency fees (2%)
  • Variety of shopping rewards through shopping vouchers (16% reward on shopping voucher purchases)
  • Annual fee easily offset by benefits and rewards on card spending

Drawbacks to consider

  • Invitation-only availability limits accessibility
  • High broad-based shopping rewards available only through shopping vouchers (not direct purchases)
  • Monthly caps on accelerated rewards
  • High rewards available mostly through travel redemptions, hence more suitable for frequent travellers only

All in all, this HDFC premium credit card is one of the best super premium credit cards in India.


To read the full review of the card , please click here

ONE OF INDIA'S BEST SUPER PREMIUM CREDIT CARDS, IDEAL FOR FREQUENT TRAVELLERS

HDFC Bank Diners Club Black Metal Credit Card

HDFC Bank Diners Club Black Metal Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
33.3% reward on hotels, select partners
✔︎
16.6% reward on flights, holiday packages, select partners
✔︎
10% reward on gift vouchers, train tickets, select partners
✔︎
3.3% on other card spends
✔︎
Unlimited domestic & international airport lounge access
✔︎
Complimentary golf rounds worldwide - 24 per year
Annual Fee

₹10000

Minimum Income

Salaried: ₹2.50 lakhs per month | Self-employed: ₹30 lakhs per year

Annual Fee Offers
  • Welcome Offer: Annual memberships of Club Marriott, Amazon Prime and Swiggy One (on spending ₹1.50 lakhs within 90 days)
  • Renewal Offer: Annual fee waived on ₹8 lakhs annual spend

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

  • 33.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
  • 16.6% (5X): Flights, buses, holiday packages, Myntra, Nykaa, Zoom Car
  • 10% (3X): Gift vouchers, IRCTC train tickets, Apple

▶︎ Regular Card Spending

  • 6.6% (2X): Weekend dining at restaurants (Saturday/Sunday, maximum 1,000 points per day)
  • 3.3% (1X): All other purchases

▶︎ Monthly Limits

  • Smartbuy accelerated rewards: 10,000 points (reached at ₹33,333 - ₹1.5 lakh monthly spending, depending on category mix)
  • Weekend dining: 1,000 points per day maximum

▶︎ Reward Point Values

  • ₹1.00: Flight/hotel bookings (Smartbuy), airline/hotel loyalty transfers
  • ₹0.50: Vouchers and products
  • ₹0.30: Cashback redemption

Reward rates assume optimal redemption for travel bookings

Up to 2.5% Additional Reward, at ₹4 lakh quarterly spend

  • 2.5% additional reward: 10,000 bonus points worth ₹10,000, at ₹4 lakh quarterly spend
  • This is earned on top of your regular rewards across all spending categories

Premium Benefits

▶︎ Travel: Unlimited Airport Lounge Access & More

  • Unlimited domestic & international airport lounge access (includes add-on cards)
  • 2% forex markup on international transactions
  • 24/7 global concierge services

▶︎ Golf: 6 complimentary golf rounds per quarter globally

▶︎ Marriott Club Membership (1 year)

  • Up to 25% discount on F&B bills (max 20 guests)
  • Up to 20% discount on room rates in India, weekend rates in Asia Pacific
  • 20% discount on spa services at select hotels in India
  • Up to 20% off F&B at Asia Pacific Marriott hotels, ex-India (max 10 guests)
  • Up to 15% off Marriott Bonvoy on Wheels orders
  • 1 room upgrade certificate (max 2 nights, India hotels)
  • 1 certificate for 30% off best available rate (max 2 consecutive nights)

▶︎ Swiggy One Membership (1 year)

  • Dineout restaurants: Up to 40% off, 2 monthly ₹150 coupons (on bills of ₹1500+)
  • Food delivery: Free delivery on ₹149+ orders, up to 30% extra discounts, no surge fees
  • Instamart groceries: Free delivery on ₹199+ orders, exclusive discounts, no surge fees
  • Genie: Flat 10% off delivery fees on all orders

Insurance Coverage

  • ₹2 crore accidental air death cover
  • ₹50 lakh overseas medical emergency coverage
  • ₹9 lakh lost card liability protection
  • ₹55,000 baggage delay coverage (8+ hours, international flights)

Additional Benefits

  • Exclusive Diners Club offers and privileges
  • Premium customer service with dedicated support lines


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Suitable For:

  • Frequent travelers who can maximize the value of reward points, and value lounge access 
  • High spenders who can easily reach annual fee waiver & quarterly milestones 
  • Golf enthusiasts who will utilize the complimentary rounds
  • Status-conscious individuals who appreciate premium metal cards

Consider Alternatives If:

  • Your annual card spending is low (won't justify ₹10,000 fee)
  • You primarily shop at local merchants with limited Diners acceptance
  • You rarely travel or use premium services (lounge access, golf)
  • You prefer simple cashback over reward points management
  • You want a card with no annual fee

To read the full review of the card , please click here

ONE OF INDIA'S BEST CARDS IN MID-PREMIUM CATEGORY

HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
17.3% reward on hotels and select partners
✔︎
8.6% reward at select partners - Marks & Spencer, Myntra, Nykaa, Reliance Digital
✔︎
8.6% reward on flights, gift vouchers, holiday packages and select partners
✔︎
5.2% reward on train tickets
✔︎
1.7% reward on other spends
✔︎
Up to 2.1% additional reward based on quarterly/ annual card spending requirements
✔︎
Domestic airport lounge access (12 times per year), and international access (6 times per year)
Annual Fee

₹2500

Minimum Income

Salaried: ₹1.5 lakh/month | Self-employed: ₹18 lakh/year | Government: ₹1 lakh/month

Annual Fee Offers
  • Welcome offers : ₹2,500 voucher + Swiggy One + MMT Black Gold membership (spend ₹1 lakh in 90 days)
  • Renewal offer : Annual fee waived on ₹4 lakhs annual spend

Up to 17.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

  • 17.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
  • 8.6% (5X): Flights, buses, MakeMyTrip packages, gift vouchers, Apple, Myntra, Nykaa, Zoom Car
  • 5.2% (3X): IRCTC train tickets

▶︎ Regular Card Spending

  • 8.6% (5X): Marks & Spencer, Myntra, Reliance Digital, Nykaa (online/offline stores)
  • 1.7% (1X): All other eligible purchases

Important Exclusions: No reward points given on:

  • Rent & property management
  • Government transactions
  • Fuel purchases
  • EMI transactions
  • E-wallet loading

▶︎ Monthly Limits

  • Smartbuy accelerated rewards: 4,000 reward points (reached at ₹16,666 - ₹75,000 spending, depending on spending category mix)
  • Select partners (Marks &Spencer, Myntra, etc.): 5,000 reward points (reached at ₹37,500 spending)

▶︎ Redemption Value of 1 Reward Point

  • ₹0.65: Exclusive Gold Catalogue (premium brands via Smartbuy)
  • ₹0.50: Flight/hotel bookings via Smartbuy
  • ₹0.35: Vouchers and products
  • ₹0.20: Cashback to statement

Reward rates mentioned above assume redemption via Exclusive Gold Catalogue for maximum value

Up to 2.1% through Milestone Rewards 

▶︎ Quarterly Benefits:

  • ₹1,500 shopping vouchers at ₹1.5 lakh spend (from Marriott, Myntra, M&S, or Reliance Digital)

▶︎ Annual Benefits:

  • ₹5,000 flight voucher at ₹5 lakh spend
  • Additional ₹5,000 flight voucher at ₹7.5 lakh spend

▶︎ Maximum earning potential: ₹16,000 in milestone vouchers annually

Travel Perks

  • 12 complimentary domestic lounge visits per year
  • 6 complimentary international lounge visits per year
  • 2% forex markup on international transactions

Insurance Coverage

  • ₹1 crore accidental air death cover
  • ₹15 lakh overseas medical emergency coverage
  • ₹9 lakh lost card liability protection
View More

Benefits

  • Up to 17.3% reward rate possible SmartBuy Gold Catalogue redemptions
  • 5X rewards on popular partners (Myntra, Nykaa, Marks & Spencer, Reliance Digital)
  • 12 domestic + 6 international lounge visits annually
  • No spending threshold for lounge access (unlike many competitor cards in this range)
  • Priority Pass for add-on members too
  • 24/7 concierge services
  • Premium insurance coverage (₹1 crore air accident, ₹15 lakh medical)
  • Annual fee waived on ₹4 lakh spending (realistic for target audience)
  • ₹2,500 welcome voucher plus other welcome benefits effectively covers first year fee
  • Lower foreign currency markup (2%) compared to many premium cards

Drawbacks to consider 

  • Complex Rewards Structure: Multiple earning rates and associated monthly caps require understanding of categories
  • Different redemption values create confusion
  • Some high-value redemptions have limited options
  • 4,000 monthly cap on accelerated points can limit high spenders
  • Highest rewards tied to specific SmartBuy platform usage

To read the full review of the card , please click here

BEST FOR 3X-10X ACCELERATED REWARDS ON HDFC SMARTBUY PLATFORM

HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Diners Club Privilege Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
13.3% reward on hotels and select partners
✔︎
6.6% reward on flights, gift vouchers, holiday packages and select partners
✔︎
6.6% reward on Swiggy & Zomato
✔︎
4% reward on train tickets
✔︎
1.3% reward on other card spends
✔︎
Domestic & international airport lounge access - 2 times per quarter
✔︎
Weekend movie tickets - 2 tickets (up to ₹250 each), per month
Annual Fee

₹1000

Minimum Income

Salaried : Net monthly income of ₹35,000 || Self-employed : Annual income of ₹6 lakh

Annual Fee Offers
  • Welcome offer: Annual memberships of Swiggy One and Times Prime
  • Renewal offer : Annual fee waived on ₹3 lakhs annual spend

Up to 13.3% reward through HDFC Smartbuy Platform

  • (10X) 13.3% reward: Hotels, select partners (Jockey, Pharmeasy, IGP.com)
  • (5X) 6.6% reward: Flights, bus tickets, MakeMyTrip holiday packages, gift vouchers, select partners (Apple, Myntra, Nykaa, Zoom Car)
  • (3X) 4% reward: IRCTC train tickets
  • Monthly limit: 4000 reward points, reached at monthly spend between ₹16,666 and ₹75000, depending on spending mix.

1.3% reward on other card spends

  • Exceptions: No reward points on rent, government transactions, fuel, EMI, e-wallet loading

Reward Point Values:

  • ₹0.50 per point: Flight/hotel bookings, privilege dining catalogue
  • ₹0.35 per point: Reward redemption catalogue
  • ₹0.20 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

6.6% reward at direct partners

  • Swiggy/Zomato: 6.6% rewards (not through SmartBuy platform)
  • Monthly limit: 2500 reward points, reached at ₹18,750 monthly spend

Up to 1% additional reward through quarterly milestone

  • ₹1.50 lakh spend: ₹1,500 voucher (1% additional reward)
  • Voucher options: Marriott, Decathlon, Barbeque Nation, O2 Spa, Lakme Salon

Domestic & international airport lounge access: 2 visits per quarter (both primary and add-on cardholders)

BookMyShow weekend movie offer

  • BOGO weekend tickets (Friday-Sunday shows)
  • 2 free tickets per month (up to ₹250 per ticket)

Comprehensive Insurance

  • Air accident: ₹1 crore coverage
  • Overseas hospitalization: ₹25 lakh emergency coverage
  • Travel insurance: USD 800 baggage delay (USD 10/hour, 8-hour cap)
  • Lost card liability: ₹9 lakh protection
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Benefits

  • One of the best cards in this segment — attractive benefits on select categories & partners through the 3X-10X rewards program
  • A wide variety of partners are available through gift vouchers on the HDFC SmartBuy platform.
  • Complimentary airport lounge access both in India and abroad
  • Free movie tickets on weekends (Buy 1 Get 1 Offer)

Drawbacks to consider

  • Cardholders get a high value for reward points only on travel redemptions (flights & hotels). Hence, the card is more suitable for frequent travellers only

To read the full review of the card , please click here

HOTEL CARD FROM HDFC BANK

Marriott Bonvoy HDFC Bank Credit Card

Marriott Bonvoy HDFC Bank Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
5.3%
Reward on card spends at hotels participating in Marriott Bonvoy
2.6%
Reward on following card spends - travel || dining & entertainment
✔︎
Complimentary golf rounds across the world - 2 per quarter
✔︎
Complimentary international airport lounge access – 12 per year
✔︎
Complimentary domestic airport lounge access – 12 per year
Annual Fee

₹3000

Minimum Income

Salaried: ₹1 lakh per month | Self-employed: ₹15 lakhs per year

Annual Fee Offers
  • Welcome offer : 1 free night award || 10 elite night credits (to get Marriott Bonvoy Silver Elite status)
  • Renewal offer : 1 free night award || 10 elite night credits (to maintain Marriott Bonvoy Silver Elite status)

5.3% reward (in Marriott Bonvoy Points) on Marriott hotel spends up to ₹10 lakhs per month 

  • Earn 5.3 Marriott Bonvoy Points, on every ₹100 you spend in this category (non-EMI spends)
  • You can redeem Marriott Bonvoy points to book a stay at properties participating in Marriott Bonvoy (excluding Homes & Villas by Marriott Bonvoy), Marriott Bonvoy Moments™ experiences, travel and more.

2.6% reward (in Marriott Bonvoy Points) on:

  • Travel (excluding Marriott hotels) spends 
  • Dining & entertainment spends up to ₹5 lakhs per month
  • 2.6 Marriott Bonvoy Points, on every ₹100 spent in these categories (non-EMI spends).

1.3% reward (in Marriott Bonvoy Points) on other spends up to ₹1.50 lakhs per month

  • Earn 1.3 Marriott Bonvoy Points, on every ₹100 you spend on all other card purchases
  • Exceptions : Marriott Bonvoy Points are not given on the following card spends - fuel, rent, government transactions, EMI transactions, wallet loads, gift/prepaid card loads, voucher purchases, cash advances on card, payment of card balances, card fee & charges.

Milestone benefits based on specified annual card spends

  • 1 free night award, at ₹6 lakh yearly card spend
  • 1 free night award, at ₹9 lakh yearly card spend
  • 1 free night award, at ₹15 lakh yearly card spend
  • Each free night award is valid for 12 months, and can be redeemed for a one-night stay (inclusive of room rate and applicable taxes), at hotels participating in Marriott Bonvoy with a redemption level up to 15,000 Marriott Bonvoy Points.

Complimentary domestic airport lounge access – 12 per year

Complimentary international airport lounge access – 12 per year

Complimentary golf rounds across the world - 2 per quarter

Complimentary insurance benefits

  • Emergency medical expenses up to US$18,750
  • Loss liability cover of up to ₹9 lakh
  • Credit shield of up to ₹1 lakh
  • Air accident cover of up to US$12,500
  • Delay or loss of checked-in baggage cover of up to US$250
  • Loss of travel documents cover of up to US$250
  • Flight delay cover of up to US$250
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Benefits

  • Exclusive benefits at Marriott hotels
  • Lifestyle benefits like complimentary airport lounge access and free golf rounds
  • Welcome and renewal offers can make the card virtually free for Marriott users

Drawbacks to consider

  • Comparatively low rewards on non-hotel spends
  • Only suitable for frequent users of Marriott hotels, since earned rewards can be redeemed only within the Marriott ecosystem  

To read the full review of the card , please click here
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HDFC premium credit card list

Given below the list of HDFC premium credit cards-

  • Shoppers Stop Black HDFC Credit Card
  • HDFC Bank INFINIA Credit Card (Metal)
  • HDFC Bank Diners Club Black Metal Edition Credit Card
  • HDFC Bank Regalia Gold Credit Card
  • HDFC Bank Diners Club Privilege Credit Card
  • Marriott Bonvoy HDFC Bank Credit Card

Best HDFC super premium credit cards

HDFC Bank INFINIA Credit Card (Metal) and HDFC Bank Diners Club Black Metal Edition Credit Card are two of the  best super premium credit cards in India. These cards provide exceptional rewards on shopping, travel, and other categories of spending through the HDFC SmartBuy platform, and also offer world-class lifestyle benefits like complimentary airport lounge access and golf rounds.

  • HDFC Bank INFINIA Credit Card (Metal) is for most, the best HDFC super premium credit card and one of the best in the industry (annual fee in the range of approximately ₹10,000).
  • HDFC Bank Diners Club Black Metal Edition Credit Card is for most, the next best HDFC super premium credit card and also one of the best in the super-premium category (annual fee in the range of approximately ₹10,000).

We have compared these 2 credit cards in detail in the sections below.

Best HDFC premium credit cards

  • HDFC Bank Regalia Gold Credit Card is a well-known HDFC premium credit card and is the best in the premium category (annual fee in the range of approximately ₹5,000). It is one of the best premium credit cards in India. 
  • Shoppers Stop Black HDFC Credit Card is a cobranded HDFC premium credit card, in partnership with Shoppers Stop, and is suitable for those who shop frequently at Shoppers Stop.
  • Marriott Bonvoy HDFC Bank Credit Card is a cobranded HDFC premium credit card, in partnership with Marriott. It is suitable for avid users of Marriott properties in India and worldwide.

HDFC bank premium credit card benefits

One of the best ways to maximise HDFC premium credit card benefits is to use the HDFC SmartBuy platform extensively. HDFC has listed its exclusive partners on the SmartBuy platform, and offers accelerated rewards when you spend at these partners.

Please see the current list of exclusive partners, where you get special multiplier rewards (updated on Dec 1, 2024). These special rewards have certain limits, we have covered these in each of the cards given in this page.

If you can do most of your card spending through the HDFC Smartbuy platform, then you can extract the maximum benefits from HDFC premium credit cards.

Most premium HDFC credit card

If you are looking for HDFC's most premium credit card, then let us look closely at the two HDFC super premium credit cards.

HDFC Bank INFINIA Credit Card (Metal) is HDFC's most premium credit card, followed closely by the HDFC Bank Diners Club Black Metal Edition Credit Card. Both these cards provide world-class rewards and lifestyle benefits like complimentary airport lounge access both in India and abroad, complimentary golf rounds, dining discounts, and more. Given below are more details-

Card Name Annual Fee Benefits

HDFC Bank INFINIA Metal Credit Card

Minimum Income

By Invite

 Annual Fee - ₹ 12500
  • Welcome Offer: ₹12500 + 1 year Marriott membership
  • Renewal Offer: Renewal fee waived at ₹10 lakh annual spend, else 12500 reward points worth ₹12500 on payment of renewal fee
 Special Benefits
  • 33.3% reward on hotels & select partners 
  • 16.6% reward on flights, gift vouchers, holiday packages, and select partners
  • 10% reward on IRCTC train tickets 
  • 3.3% reward on other card spends (certain exceptions apply)

Monthly limit: 15,000 accelerated reward points, reached at spending between ₹50,000 and ₹2.25 lakhs depending on spend categories

  • Unlimited domestic & international airport lounge access
  • Unlimited golf in India & abroad

HDFC Bank Diners Club Black Metal Credit Card

Minimum Income

Salaried: ₹2.50 lakhs per month | Self-employed: ₹30 lakhs per year

 Annual Fee - ₹ 10000
  • Welcome Offer: Annual memberships of Club Marriott, Amazon Prime and Swiggy One (on spending ₹1.50 lakhs within 90 days)
  • Renewal Offer: Annual fee waived on ₹8 lakhs annual spend
 Special Benefits
  • 33.3% reward on hotels, select partners
  • 16.6% reward on flights, holiday packages, select partners
  • 10% reward on gift vouchers, train tickets, select partners
  • 3.3% reward on other card spends

Monthly limit: 10,000 accelerated reward points, reached at spending between ₹33,333 and ₹1.50 lakhs (depending on spending categories)

  • Up to 2.50% additional rewards at ₹4 lakh quarterly card spend
  • Unlimited airport lounge access in India and abroad. 
  • Complimentary golf rounds worldwide - 24 per year

As you can see from the information, the most premium HDFC credit card is HDFC Bank INFINIA Credit Card, since it provides a very high reward on card spending and more-importantly world-class lifestyle benefits such as unlimited airport lounge access and unlimited golf not only in India but around the world.

HDFC Bank Regalia Gold Credit Card and HDFC Bank Diners Club Privilege Credit Card are HDFC's next most premium credit cards. 

Frequent users of Marriott properties should consider the Marriott Bonvoy HDFC Bank Credit Card.

HDFC premium credit card limit

While HDFC premium credit card limits are much higher than the beginner and mid level cards, credit card limits are primarily a function of your income and credit scores. 

Since the HDFC premium credit cards, especially the super-premium ones have a high minimum income requirement, they tend to offer a much higher credit limit compared to other cards.

How Our Money Guide Works

  • Wide Range of Credit Cards: Our Money Guide brings together a wide range of credit cards from the industry. This helps you choose from a wider bucket and make informed decisions.
  • Quick & Easy Comparison: Our Money Guide makes it easy to compare credit cards on the most important parameters like fees, benefits, eligibility, and annual fee-related offers.
  • Expert Insights: Our Money Guide's team has deep experience in consumer finance. This helps you get honest reviews and trusted information on the most important decision-making parameters, helping you choose better.
  • Simplified Application Process: Our Money Guide website pages contain Apply Now buttons at relevant spots, which help you apply easily from the comfort of your home or office.

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