HDFC Bank
HDFC Bank credit cards that waive the annual fee when you spend
25 credit cards whose banks waive the annual fee above a spend level, lowest stated spend first.
Updated 19 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.
HDFC Bank UPI RuPay Credit Card
Renewal membership fee waived off by spending ₹25,000 and above in an annual year*
Annual fee ₹99 + GST
Paytm Mobile Credit Card
Renewal Year Fee waived upon spending ₹25,000 (Non-EMI spends) in the 12 months period
Annual fee ₹149 + GST
Freedom Credit Card
Renewal membership fee waived off by spending ₹50,000 and above in an annual year
Annual fee ₹500 + GST
MoneyBack+ Credit Card
Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Annual fee ₹500 + GST
PIXEL Go Credit Card
Spend ₹50,000 or more in the preceding 12 months and get renewal membership fee waived off for next year.
Annual fee ₹250 + GST
HDFC Bank Millennia Credit Card
Spend over ₹1,00,000 in a year before renewal to get your Credit Card fee waived
Annual fee ₹1,000 + GST
PhonePe HDFC Bank Uno Credit Card
Annual Year Fee waived upon spending ₹1,00,000 in the previous year
Annual fee ₹499 + GST
Tata Neu Plus HDFC Bank Credit Card
Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
Annual fee ₹499 + GST
IRCTC HDFC Bank Credit Card
Spend ₹1,50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
Annual fee ₹500 + GST
Paytm Select Credit Card
Renewal year fee waived upon spending ₹1,50,000 in a year
Annual fee ₹1,000 + GST
Swiggy Ornge HDFC Bank Credit Card
Spend ₹1,50,000 or more in a year before renewal date to get renewal fee waived
Annual fee ₹500
PhonePe HDFC Bank Ultimo Credit Card
Annual Year Fee waived upon spending ₹2,00,000 in the previous year
Annual fee ₹999 + GST
Swiggy BLCK HDFC Bank Credit Card
Spend ₹2,00,000 or more in a year before renewal date to get renewal fee waived
Annual fee ₹1,000
Swiggy HDFC Bank Credit Card
Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Annual fee Renewal fee ₹500 plus applicable taxes
Diners Club Premium Credit Card
Renewal fee waiver on spending ₹3 lakh or more in a year before renewal date
Annual fee ₹2,500 + GST
Diners Club Privilege Credit Card
Spend ₹3,00,000 or more in a year before renewal date to get renewal fee waived
Annual fee ₹1,000 + GST
Doctors Regalia Credit Card
Spend ₹ 3L in 12 Months and get Renewal Fee waived for next renewal year.
Annual fee ₹2,500 + GST
Flipkart Wholesale HDFC Bank Credit Card
Renewal membership fee waived off by spending ₹3,00,000 and above in the previous year
Annual fee ₹499 + GST
Regalia Activ Credit Card
Renewal fee waived off if you spend more than ₹3 lakh in the previous year
Tata Neu Infinity HDFC Bank Credit Card
Spend ₹3,00,000 or more in a year before renewal date and get renewal fee waived off
Annual fee ₹1,499 + GST
HDFC Bank Regalia Gold Credit Card
Fee waiver on annual spends of ₹4,00,000
Annual fee Joining fee ₹2500 plus applicable taxes; renewal fee ₹2500 plus applicable taxes
HDFC Bank Diners Club Black Metal Edition Credit Card
Spend ₹8 lakh or more in a year before the renewal date to get the renewal fee waived.
Annual fee Joining fee ₹10,000 plus applicable taxes; renewal fee ₹10,000 plus applicable taxes
Infinia Metal Credit Card
Spend ₹10 lakh or more in a year before the renewal date to get the renewal fee waived
Annual fee ₹12,500 + GST
