HDFC Bank Cashback Credit Cards in India 2026

10% benefit on railway ticket purchases upto ₹20,000 per month
✔︎ 5% benefit on railway tickets – on IRCTC ticketing website and IRCTC Rail Connect App
You get 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app – only on bookings upto ₹20,000 per month (since the maximum reward points you can earn at this accelerated rate is restricted to 1000 reward points per month).
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
– Reward points are valid for 2 years from date of earning.
✔︎ Additional 5% cashback on rail ticket booking through HDFC Smartbuy
You earn ₹5 cashback, on rail ticket purchases on HDFC Smartbuy – only on ticket purchase/s upto ₹20,000 per month (since monthly cashback is capped at ₹1000 per month).

1% benefit on UPI spends
– You can link your card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
– You get 1 reward point worth ₹1, on every ₹100 you spend on UPI payments – only on UPI payments upto ₹50,000 per month (since you can earn a maximum of 500 reward points per calendar month on UPI spends).

1% basic benefit on all other card spends
– You get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
Exceptions : No reward points are given on fuel purchases, rent payments, government-related transactions, education transactions, wallet loads /gift or prepaid card load/ voucher purchase, EMI transactions, payment of card fees and other charges, payment of outstanding balances, cash advances.

Quarterly milestone benefit of upto 1.6%
– You get a gift voucher worth ₹500, upon spending ₹30,000 or more every 90 days.
Note : Cash transactions, dial-an- EMI, cash-on-call, balance transfer, card account fee, personal loan on credit card, etc will not be considered as eligible spends for this offer.

Complimentary access to railway lounges in India – 2 per quarter

1% transaction charges waiver – on IRCTC ticketing website and Rail Connect App
- You get a 1% transaction charges waiver on IRCTC website and app, only on spends upto ₹1 lakh per month (since the maximum waiver amount is restricted to ₹1000 per monthly card statement cycle).

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver
– only on fuel transactions between ₹400 and ₹5000
– only on yearly fuel purchases of upto ₹25000 per month (since the maximum waiver amount is limited to ₹250 per monthly card statement cycle).

Benefits
– Good card for rail travellers – 10% benefit on rail tickets
– Other rail travel related benefits like complimentary access to railway lounges and 1% transaction waiver on IRCTC
– 1% benefit on UPI spends

Drawbacks to consider
– This is a specialist rail travel card, hence reward rate on non-railway spends is low. So you may need to consider other cards for your other major spending needs like shopping, non-rail travel, fuel, bill payments etc

5% cashback at a variety of partners – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
– You earn ₹5 cashback, on every ₹100 you spend at these 10 partners – only on total purchases upto ₹20,000 per month.
– Exceptions : 1% cashback is given on – EMI transactions (at merchant location), wallet loads, gift card/ prepaid card loads & voucher purchases.

1% cashback on all other card spends
– You earn ₹1 cashback, on every ₹100 you spend on all other purchases – only on purchases upto ₹1 lakh per month
– Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI).
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional milestone benefits : You get gift vouchers worth ₹1000, at ₹1 lakh quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– You get fuel surcharge waiver at all fuel stations
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month (since the waiver amount is limited to ₹250 per month)

Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
– Valid only for payments made through the Swiggy app, on dining transactions more than ₹2000.

Benefits
– 5% cashback at important and relevant partners including Amazon & Flipkart – catering diverse needs
– Attractive annual free related offers : While the first year annual fee is compensated by joining benefits, the credit card is virtually free if you spend ₹1 lakh or more in a year.

Drawbacks
– Not a suitable credit card for those who do not like to shop & spend online
– 5% cashback is restricted to certain partners

3.3% cashback at 5 partners – Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy, on total purchases upto ₹18750 per month
– You earn 13.3 cash points worth ₹3.3, on every ₹100 you spend at these partners – only on purchases upto ₹18,750 per month
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

1.67% cashback on EMI transactions at merchant locations
– You get 6.66 CashPoints worth 1.67, on every ₹100 you spend on EMI transactions at the time of purchase
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

0.33% cashback on all other card spends
– You get 1.33 CashPoints worth 33 paise, on every ₹100 you spend on all other card purchases.
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

Upto 1% additional milestone benefits : You get gift vouchers worth ₹500, at ₹50,000 quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases of upto ₹25,000 per month only (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle)

Benefits
– 3.3% cashback at important merchants including Amazon, Flipkart, etc, catering to diverse needs
– Low yearly card spend target of ₹50,000, to get annual fee waiver. Hence the card is virtually free at ₹50,000 yearly card spend.

Drawbacks to consider
– 3.3% cashback is restricted to certain merchants

1% cashback benefit on 5 select partners : Big Basket || Swiggy || BookMyshow || OYO || Uber – on purchases upto ₹37,500 per month 
– You earn 6.6 cash points worth ₹1, on every ₹100 you spend at these partners.
– This is valid only on total purchases upto ₹37500 per month, and only on non-EMI purchases.
– 1 CashPoint = ₹0.15, and can be redeemed as cashback against your credit card statement balance.

0.50% cashback on EMI transactions at merchant locations – on purchases upto ₹75000 per month 
– You get 3.33 CashPoints worth ₹0.50 (50 paise), on every ₹100 you spend in this category
– This is valid only on purchases upto ₹75000 per month
– 1 CashPoint = ₹0.15, and can be redeemed as cashback against your credit card statement balance

0.10% cashback on all other card spends
– You get 0.66 CashPoints worth 10 paise, on every ₹100 you spend on all other purchases.
– 1 CashPoint = ₹0.15, and can be redeemed as cashback against your credit card statement balance
- Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI), wallet load, gift card /prepaid card loads, voucher transactions , payment of outstanding balances, payment of card fees and other charges.

1% fuel surcharge waiver, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month (since the maximum waiver is capped at ₹250 per monthly card statement cycle)

Benefits
– Low minimum income criteria of ₹12000 per month (for salaried individuals)
– The card is virtually free if you spend ₹50,000 or more in a year.

Drawbacks to consider
– Low reward rate. Only suitable as a beginner card in case you are not eligible for other cards which offer higher reward rates.

3% cashback on various spends at Paytm : Prepaid recharges || Utility bill payments || Movie tickets || Mini App – on spends upto ₹16,666 per month
– You earn 3 cashpoints worth ₹3, on every ₹100 you spend in these categories – on spends upto ₹16,666 per month (since maximum cashback at this special rate is restricted to ₹500 per month)
– 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

2% cashback on all other select Paytm spends – on spends upto ₹25000 per month
– You earn 2 cashpoints worth ₹2, on every ₹100 you spend in these categories – on spends upto ₹25,000 per month (since maximum cashback at this special rate is restricted to ₹500 per month)
– 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

1% cashback on all other spends – on spends upto ₹1 lakh per month
– You earn 1 cashpoints worth ₹1, on every ₹100 you spend on all other card transactions – on card spends upto ₹1 lakh per month (since maximum cashback is restricted to ₹1,000 per month)
– Exceptions : Cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.
– 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit of upto 1%
– You earn ₹100 cashback, on monthly card spend of ₹10,000 (only for non-EMI, non-wallet and non-rental card spends).

Zero cost liability on lost credit card : If you lose your card & report it immediately to the 24-hour call centre, you have zero liability on any fraudulent transactions made on your card.

Fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is limited to ₹250 per month

Benefits
– Good card for Paytm users, you get good cashback on various Paytm spends
– Low annual card spend requirement of ₹50,000, to waive annual fee from 2nd year onwards

Drawbacks to consider
– Not a good card for other major spends like shopping, travel, fuel etc.

5% cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Movie tickets || Mini App
– You earn 5 cashpoints worth ₹5, on every ₹100 you spend on these Paytm transactions – only on spends upto ₹30000 per month (since maximum cashback at this special rate is restricted to ₹1500 per month)
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

3% cashback on select partners – Swiggy || AJIO || Big Basket || Uber
– You earn 3 cashpoints worth ₹3, on every ₹100 you spend at these select partners – only on spends upto ₹16,666 per month (since maximum cashback at this special rate is restricted to ₹500 per month).
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

1% cashback on all other spends
– You earn 1 cashpoints worth ₹1, on every ₹100 you spend on all other transactions – only on spends upto ₹1,00,000 per month (since maximum cashback is restricted to ₹1,000 per month)
– Exceptions – Cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit upto 1%, on quarterly card spend of ₹50,000
– You earn ₹500 upon spending ₹50,000 or more on your card each quarter (only for non-EMI, non-wallet and non-rental card spends).

Complimentary domestic airport lounge access – 2 per quarter

Fuel surcharge waiver at all fuel stations, upto ₹500 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50000 per month, since the maximum waiver is limited to ₹500 per month

Benefits
– Good card for Paytm users, you get good cashback on various Paytm spends
– You also get higher cashback on select partners
– Complimentary domestic airport lounge access – 2 per quarter

Drawbacks to consider
– Not a good card for other major spending needs like shopping, fuel etc.

Below rewards are applicable on both UPI as well as regular credit card spends. 

0.75% reward on following spends - groceries || supermarket || dining || PayZapp transactions
- You earn 3 Cashpoints worth ₹0.75, on every ₹100 you spend in these categories.
- 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
- You can earn a maximum of ₹5000 Cashpoints per month

0.50% reward on utility spends
- You earn 2 Cashpoints worth ₹0.50, on every ₹100 you spend in this category
- 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
- You can earn a maximum of 5000 Cashpoints per month

0.25% reward on all other card spends
- You earn 1 Cashpoints worth ₹0.25, on every 100 you spend on all other card purchases
- 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
- Please note that no Cashpoints are given on rent, wallet loads, EMI, fuel, insurance payments & government categories

Other important points-
- This card is issued as a virtual card only, no physical card is issued
- You can apply for this card through HDFC MyCards

Benefits
- You can use this kind for UPI transactions, hence you can earn rewards on a larger number of your day to day spends

Drawbacks
- The reward rate on card spending is comparatively low