Compare HDFC’s Top Premium Credit Cards
Explore India’s most exclusive credit cards designed for premium lifestyle, luxury travel, and high-value rewards.
From metal cards with unlimited lounge access to smart reward programs, find the perfect card matching your spending style and aspirations.
Diners Club Black Metal Credit Card
Premium Metal Card BenefitsTop Features
- Unlimited international lounge access
- Premium golf & concierge privileges
- Accelerated reward earnings
Cashback
- Amazon, Marriott, Swiggy & luxury brands
Fees & Charges
- Joining/Renewal Fee: ₹10,000 + applicable taxes
- Annual fee waiver on spends of ₹5 lakh or more
- 2% foreign currency markup on international transactions
- Revolving credit facility available at nominal interest rates
Best For
- Dining
- Shopping
Lifestyle Benefits
- Earn 2X Reward Points on weekend dining at partner restaurants
- 6 complimentary golf games every quarter at premier courses
Lounge Benefits
- Unlimited access to 1,300+ domestic & international lounges for primary and add-on members
- 2% foreign currency markup on all international transactions
- Earn up to 10X Reward Points on flights and hotels via SmartBuy platform
Milestone Benefits
- Annual fee waiver on spends of ₹8 lakhs or more within 12 months
- Earn 10,000 Bonus Reward Points on spends of ₹4 lakhs every calendar quarter
Insurance Benefits
- ₹2 crore air accident insurance coverage
- ₹50 lakh emergency overseas hospitalization cover
- Travel insurance cover up to ₹55,000 for baggage delay (beyond 8 hours on international flights, capped at $10 per hour)
Banking Benefits
- Credit liability cover up to ₹9 lakh
- Up to 50 days interest-free credit period from purchase date
- Convert large transactions to Smart EMI after purchase
- Contactless payment capability for faster checkout
Redemption Limit
- Redeem up to 70% of flight and hotel booking value using Reward Points; remaining balance payable via credit card
Smart EMI
- Convert large purchases into EMI after transaction on Diners Club Black Credit Card
Revolving Credit
- Enjoy Revolving Credit on your Diners Club Black Credit Card at nominal interest rates. Refer to the Fees and Charges section for more details.
Foreign Currency Markup
- 2% foreign currency markup on all international transactions (charges appear on subsequent statement within 60 days; currency conversion rate as per settlement date)
Redemption Value
- SmartBuy (flights/hotels): ₹1 per point
- Airmiles conversion: Up to 1.0 airmile per point
- Products/Vouchers: Up to ₹0.50 per point
- Cashback: Up to ₹0.30 per point
How to Apply?
- Provide and validate phone number, date of birth/PAN
- Confirm personal details
- Select preferred card variant
- Submit application and receive card
Documents Required
- Identity Proof: Passport, Aadhaar card, Voter ID, Driving license, PAN card, Passport size photographs
- Address Proof: Utility bills (electricity, water, gas, or telephone), Rental agreement, Passport, Aadhaar card, Voter ID
- Income Proof: Salary slips (for salaried individuals), Income Tax Returns (self-employed), Form 16, Bank statements
Eligibility Criteria
- Salaried: Nationality: Indian, Age: 21 – 60 years, Net Income (Monthly) > ₹2.5 lakh per month
- Self-employed: Nationality: Indian, Age: 21 – 65 years, Net Income (Monthly) > ₹30 lakh per month
HDFC Bank Infinia Metal Edition Credit Card
Luxury Metal Card FeaturesTop Features
- Exclusive ITC Hotel Stays: Enjoy complimentary nights and gourmet buffet dining at our partner ITC luxury hotels.
- Global Lounge Privileges: Get unlimited access to premium airport lounges worldwide for a relaxed travel experience.
- Dedicated Personal Concierge: Your personal assistant is available round the clock to cater to your global travel and lifestyle needs.
Cashback
- ITC Hotels & Club Marriott
Fees & Charges
- One-Time Joining Fee: ₹12,500 + Taxes
- Annual Renewal Fee: ₹12,500 + Taxes
- Annual Fee Waiver: Get your next year’s fee completely waived by spending ₹10 Lakh or more in a year.
Best For
- Travel
- Lifestyle
Welcome Benefits
- First-Year Perk: Receive a complimentary Club Marriott membership for the first year.
- Renewal Reward: Earn 12,500 Reward Points* upon paying your annual fee and activating your card for the renewal year.
- Renewal Fee Waiver: Have your membership fee for the next year waived by spending ₹10 Lakhs or more in the preceding 12 months.
- Regional Savings: Enjoy dining and stay discounts of up to 25% across the Asia-Pacific region.
- Member’s Night (Monday): Buy one drink and get a second one complimentary
- Member’s Day (Tuesday): Get 50% off on your food bill and 25% off on beverages.
Travel, Hotel & Dining Benefits
- Unlimited Domestic Lounge Access: Enjoy complimentary access for you and your add-on cardholders at airports across India.
- Global Lounge Access: Get unlimited complimentary visits to 1,000+ international airport lounges worldwide via a Priority Pass membership.
- Stay 3, Pay 2 at ITC Hotels: Enjoy a complimentary night when you book a 3-night stay at participating ITC luxury hotels.
- RegionalDine 1+1 at ITC Hotels: Avail a complimentary buffet for your guest when you dine at participating ITC hotel restaurants.
Golf Benefits
- Unlimited Golf Access: Enjoy complimentary lessons and green fees at top-tier golf courses in India and select international locations.
- Global Green Fee Waiver: Get 100% off the green fee at a curated selection of premium golf courses around the world.
- Dedicated Golf Concierge: Our experts are available 24/7 at 1800-118-887 or 022-4232-0226 to handle your tee-time bookings and cancellations seamlessly.
Concierge Benefits
- Secure tee-time reservations and bookings at premium golf courses.
- Receive personalized assistance in planning and booking your travel itinerary.
- Arrange exclusive private dining experiences at sought-after restaurants.
- Facilitate the delivery of gifts to recipients anywhere in the world.
- Get expert referrals and planning support for your special events.
- Enjoy meet-and-greet and fast-track services at airports globally.
Reward Point Benefits
- 5X Base Rewards: Earn 5 Reward Points on every ₹150 spent on retail, insurance, utilities, and education.
- 10X Accelerated Rewards: Earn up to 10X Reward Points on travel and shopping through Smartbuy.
- Flexible Redemption: Redeem your points instantly for travel, shopping, and more via Smartbuy or Netbanking.
Insurance Benefits
- High-Value Flight Cover: Accidental Air Death insurance of up to ₹3 Crore.
- Global Medical Emergency: Coverage up to ₹50 Lakhs for emergency hospitalization abroad.
- Credit Shield Protection: Credit Shield insurance cover of up to ₹9 Lakhs.
Card Control
- Activate and register your new card instantly.
- Create or change your secure card PIN at any time.
- Control your card’s security features for online, contactless, and other transactions.
- View your latest transactions and download monthly e-statements.
- Track and check your accumulated reward points balance.
- Instantly block a lost card and request a replacement.
- Apply for Add-on cards and manage their PIN & security settings independently.
Diners Club Black Credit Card
Smart rewards with lifestyle benefitsTop Features
- Up to 10× reward points via SmartBuy
- Travel, dining & wellness privileges
- Milestone-based benefits
Best For
- Shopping
- Dining
Suitable for users looking for premium features without a metal card experience.
HDFC Regalia Gold Credit Card
Balanced travel & lifestyle rewardsTop Features
- Complimentary lounge visits annually
- Flight vouchers & elite memberships
- Travel-focused reward structure
Best For
- Travel
- Lifestyle
Ideal for frequent travelers seeking premium perks at a reasonable eligibility level.
Apply Online
Diners Club Privilege Credit Card
Everyday premium spending benefitsTop Features
- Global airport lounge access
- Discounts on movies & dining
- Reward points on daily spends
Best For
- Entertainment
- Dining
A lifestyle-focused card offering rewards on entertainment, dining, and travel bookings.
Apply Online
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