Synopsis- The 2025 guide to choosing the right HDFC Bank credit card. With the right knowledge, you will be able to choose the card that suits your spending habits. We will go through several HDFC cards, which is for the premium lounge perks. Each card has its own perks, and accordingly, the AMCs. Getting this information will help you to match your travelling style to the most apt HDFC credit card for you.
In this fast-paced world of the 21st century, comfort and convenience are no longer a luxury and have become essentials, especially for frequent travellers. In this article, we are going to go through all the different credit cards offered by HDFC Bank, along with their lounge and other related services. So that by the end of this article, you can choose the best one out of the lot that aligns with your travelling style and spending pattern.
1. HDFC Regalia Credit Card
- Lounge Benefits and Fees :
- Domestic Lounge Access : 12 complimentary visits per calendar year (3 per quarter), only with selected lounges via Visa or Mastercard programs.
- International Lounge Access : 6 complimentary visits per year through Priority Pass (after completing 4 retail transactions).
- Annual Fee : Rs. 2,500 + GST, this fee is waived if you spend Rs. 3 lakh in a year.
- Reward Rate : 4 reward points per Rs. 150 spent.
- Why it’s beneficial :
- The Regalia card is a premium option that combines lifestyle benefits, travel perks, and lounge access in one package. Its Priority Pass access makes it a great companion for international travellers.
2. HDFC Millennia Credit Card
- Lounge Benefits and Fees :
- Domestic Lounge Access : 8 complimentary visits per calendar year (2 per quarter) at selected lounges.
- Annual Fee : Rs. 1,000 + GST (waived on spending Rs. 1 lakh/year).
- Reward Rate : 5% cashback on Amazon, Flipkart, and other partner platforms, and 1% on others.
- Why it’s beneficial :
- Millennials are ideal for online shoppers and millennials who travel occasionally. It combines high-value cashback with decent lounge access, all at an affordable fee.
3. HDFC Diners Club Privilege Credit Card
- Lounge Benefits and Fees :
- Domestic Lounge Access : Unlimited access to domestic lounges.
- International Lounge Access : Unlimited visits with Diners Club Lounges worldwide.
- Annual Charges : Rs. 2,500 + GST.
- Reward Rate : 4 reward points per Rs. 150; great conversion value for air miles and vouchers.
- Why it’s beneficial :
- One of the most underrated premium cards, the Diners Club Privilege offers unmatched lounge access for both domestic and international travellers. However, acceptance might be limited at some merchants.
Also read: Best ICICI Lifetime Free Credit Cards in 2025 – Zero Charges, Maximum Rewards
4. HDFC Diners Club Black Credit Card
- Lounge Benefits and Fees :
- Domestic Lounge Access : Unlimited domestic lounge access at selected airports.
- International Lounge Access : Unlimited international lounge access via Diners Club Lounges.
- Annual Charges : Rs. 10,000 + GST (waived on spending Rs. 5 lakh/year).
- Reward Rate : 5 reward points per Rs. 150 with premium redemption options.
- Why it’s beneficial :
- The Diners Club Black is a luxury travel card that provides exceptional lounge access and rewards. If you’re a frequent flyer and high spender, this is one of the best options in India.
5. HDFC Business Regalia Credit Card
- Lounge Benefits and Fees :
- Domestic Lounge Access : 12 complimentary visits per year to select lounges.
- International Lounge Access : 6 visits via Priority Pass.
- Annual Charges : Rs. 2,500 + GST.
- Target Audience : Entrepreneurs and self-employed professionals.
- Why it’s beneficial :
- Specifically designed for business users, this card combines travel perks with business-related benefits such as higher credit limits, corporate expense tracking, and lounge access.
6. HDFC Infinia Credit Card (By Invitation Only)
- Lounge Benefits and Fees :
- Domestic Lounge Access : Unlimited access across major airports in India.
- International Lounge Access : Unlimited Priority Pass access for cardholders and add-on members.
- Annual Charges : Rs. 12,500 + GST (waived on spending Rs. 10 lakh/year).
- Reward Rate : 5 points per Rs. 150; excellent value on redemptions.
- Why it’s beneficial :
- HDFC Infinia is one of India’s most premium credit cards. Being an invite-only card, it is offered only to selected individuals. As it provides a world-class travel experience, including luxury hotel bookings, concierge service, and unrestricted lounge access, this has to be the best card based on the services provided.
7. HDFC MoneyBack+ Credit Card
- Lounge Benefits and Fees :
- Domestic Lounge Access : 4 complimentary visits per year (1 per quarter) at selected lounges.
- Annual Charges : Rs. 500 + GST.
- Reward Rate : 10X points on Amazon, Flipkart, BigBasket, Swiggy, and more.
- Why it’s beneficial :
- This entry-level card is perfect for users new to credit or those who want lounge benefits without high fees. It balances rewards, affordability, and occasional lounge access.
Before you select a card, make sure you keep the following points in mind-
- Lounge Access: Most of the credit cards that provide lounge access do it via programs such as Visa or Mastercard, Priority card, or Diners Club networks.
- Eligibility: To access a lounge, a minimum valued transaction (such as Rs. 2) is required, which can happen according to the availability and the card’s network limitation.
- Add-on cards: HDFC Bank even provides some credit cards that can add the mentioned benefits to other cards held by the customer. As not all credit cards provide this feature, it is important to verify it with HDFC Bank before selecting one.
Conclusion
With so many options given, it is understandable to get confused as to which one among these would be the most beneficial to you; therefore, to put it in simpler terms, If airport longue access is a priority for you the Diners Club Black, Regalia, and Infinia is what you have to go for. If you are an occasional traveller, along with budget constraints, then the Millennia and MoneyBack+ is the best options for you. And now that you know about the different credit cards offered by HDFC Bank, it is always important to jot down your budget and interpret your spending patterns and align them to your travelling style to choose the credit card that suits your style the best.
Written by Adithya Menon
