HDFC Bank Credit Cards, Loans & Savings Accounts 2026
This page brings together every HDFC Bank product we track — 5 credit cards, 3 loans, 1 savings accounts. Use it to see how HDFC Bank's interest rates, fees and eligibility stack up before you visit the bank's official website.
HDFC Bank Credit cards
| Credit Cards | Annual Fee | Best For | CardKhoj rating |
|---|---|---|---|
| HDFC Infinia Metal | ₹12,500 + GST | Ultra High Spenders | 5 |
| HDFC Diners Club Black | ₹10,000 + GST | Travel & Dining | 4.9 |
| HDFC Regalia Gold | ₹2,500 + GST | Travel & Luxury | 4.8 |
| HDFC Millennia | ₹1,000 + GST | Online Shopping | 4.6 |
| HDFC Tata Neu Plus | ₹499 + GST | Tata Ecosystem | 4.5 |
HDFC Bank Personal loans
HDFC Bank Personal Loan
- Interest Rate
- 10.50% - 15.00%
- Loan Amount
- ₹50,000 - ₹40,00,000
- Tenure
- 12 - 72 months
- Processing Fee
- Up to 1.50%
HDFC's personal loan is the gold standard for quick disbursal — existing customers can get funds in just 10 seconds flat. The 10.50% starting rate is competitive, and the 72-month tenure gives good repayment flexibility. Best for salaried professionals who already hold an HDFC salary account.
HDFC Bank Home loans
HDFC Home Loan Home Loan
- Interest Rate
- 8.35% - 9.50%
- Loan Amount
- Up to ₹10 Crore
- Tenure
- Up to 30 years
- Processing Fee
- 0.50% or ₹3,000 (whichever is higher)
HDFC (now merged with HDFC Bank) remains the most trusted name in Indian home loans with rates starting at 8.35%. Approved project financing ensures faster disbursal, and flexible step-up and step-down EMI options help manage your cash flow over the long tenure. Special rates for HDFC salary account holders can bring the effective rate down even further.
HDFC Bank Car loans
HDFC Bank Car Loan
- Interest Rate
- 8.75% - 11.50%
- Loan Amount
- Up to 100% On-road
- Tenure
- 12 - 84 months
- Processing Fee
- ₹3,500 to ₹5,500
HDFC's ZipDrive car loan approves in just 30 minutes with doorstep documentation for your convenience. Up to 100% on-road financing means zero down payment on eligible models. The fastest and most convenient car loan in India for existing HDFC Bank customers.
HDFC Bank Savings accounts
HDFC Bank — Savings Max
- Interest Rate
- 3.00% - 3.50%
- Min Balance
- ₹25,000
- Best For
- High Balance Maintenance
HDFC Bank: frequently asked questions
Which is the best HDFC Bank credit card?
Among the 5 HDFC Bank cards we review, the HDFC Infinia Metal has our highest rating (5/5) and is best for ultra high spenders. The right card depends on your spending, so compare annual fees and reward categories before applying.
Does HDFC Bank offer a lifetime free credit card?
None of the HDFC Bank cards we track are lifetime free, but most offer an annual fee waiver when you reach a yearly spend target.
What is the HDFC Bank personal loan interest rate?
HDFC Bank personal loans are offered at 10.50% - 15.00% per annum for amounts of ₹50,000 - ₹40,00,000 and tenures of 12 - 72 months. The processing fee is Up to 1.50%. Your exact rate depends on your credit score, income and employer.
What is the HDFC Bank home loan interest rate?
HDFC Home Loan home loans are offered at 8.35% - 9.50% per annum, with tenures up to 30 years and a processing fee of 0.50% or ₹3,000 (whichever is higher).
What is the HDFC Bank car loan interest rate?
HDFC Bank car loans are available at 8.75% - 11.50% per annum, funding up to 100% on-road price for 12 - 84 months.
What is the HDFC Bank savings account interest rate?
The HDFC Bank Savings Max account pays 3.00% - 3.50% interest, with a minimum balance requirement of ₹25,000.