HDFC Bank Source Verified
HDFC Bank Credit Card Charges & Annual Fees
Every HDFC Bank credit card we hold a source-verified record for, side by side: 4 cards. Each figure is the one on that card's record. Where a record does not carry a figure, the cell reads “Not published” rather than a zero or a guess.
| Card | Joining fee | Annual fee (as stated) | All-in annual fee (incl. GST) | Waived on annual spend of | Forex markup | Last verified |
|---|---|---|---|---|---|---|
| HDFC Bank Millennia Credit Card | ₹1,000 | ₹1,000 | ₹1,180 | ₹1,00,000 | 3.5% | 2026-08-21 |
| HDFC Bank Regalia Gold Credit Card | ₹2,500 | ₹2,500 | ₹2,950 | ₹4,00,000 | 2% | 2026-08-21 |
| Tata Neu Infinity HDFC Bank Credit Card | ₹1,499 | ₹1,499 | ₹1,769 | ₹3,00,000 | 2% | 2026-08-21 |
| HDFC Bank Infinia Metal Edition | ₹12,500 | ₹12,500 | ₹14,750 | ₹10,00,000 | 2% | 2026-08-21 |
Reading the two fee columns. Banks usually quote the annual fee before GST. The all-in column adds 18% GST to that figure, except where the record states the bank's own figure already includes it — in which case both columns match. Forex markup is the bank's stated percentage; GST applies to that fee too, and each card's own page shows the effective rate.
Charges by other issuers
AU Small Finance BankAxis BankFederal BankICICI BankIDFC FIRST BankKotak Mahindra BankOneCard (Federal / SBM / CSB / Indian Bank)RBL BankState Bank of India
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