HDFC RuPay credit cards are focused to provide benefits and rewards points on various spend categories including shopping, fuel, travel, etc. RuPay credit cards are increasingly getting popular in the market as customers can use RuPay credit cards for Unified Payment Interface (UPI) transactions without incurring any additional fees. HDFC Bank, the leading credit card provider in India, has five credit cards on RuPay payment network
| Credit Card | Top Benefits |
|---|---|
| HDFC Bank Freedom Credit Card | 1. You can earn 10X cashpoints by spending on Uber, Oyo, BookMyShow, Big Basket and Swiggy.
2. EMI spends at merchant locations also qualify for accelerated cashpoints. 5X cashpoints are accrued for all EMI conversions at point of sale. 3. You can avail discounts of up to 20% on dining at partner restaurants via Swiggy Dineout. |
| IndianOil HDFC Bank Credit Card | 1. You can earn up to 50 litres of free fuel in a calendar year by redeeming fuel points at IndianOil outlets.
2. A card member can earn 5% fuel points on spends at IndianOil, groceries & bill payments. 3. Enjoy 1% fuel surcharge waiver across all refuelling stations in India. Maximum cashback capped at Rs 250 per statement. |
| Tata Neu Plus HDFC Bank Credit Card | 1. You can earn 2% NeuCoins on non-EMI spends on Tata brands such as Tata 1MG, Titan, Tanishq, Big Basket, Croma, Air India, IHCL, Westside, Tata Play, Cult and more. An additional 5% is also available on select categories listed on Tata Neu app/website.
2. For non-Tata brands, UPI transactions and EMI spends at any merchants, 1% is returned in the form of NeuCoins. 3. A total of 4 complimentary visits to domestic airport lounges are available in a calendar year, one per quarter. |
| IRCTC HDFC Bank Credit Card | 1. IRCTC & Rail Connect transactions can fetch you 5 rewards points, other spends are eligible for 1 reward point.
2. Enjoy 8 free visits to IRCTC executive lounges in a calendar year, 2 each quarter and earn additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy. 3. Make 1 transaction within the first 37 days of card issuance, earn a welcome gift of Rs 500. Enjoy 1% transaction charges waiver on IRCTC & Rail Connect transactions. |
| HDFC Bank RuPay Shoppers Stop Credit Card | 1. Every Rs 150 spent on private label brands at Shoppers Stop will generate 6 First Citizen points and 2 First Citizen points are accrued on other brands & categories.
2. A complimentary Shopper Stop membership is provided with the credit card and a Shoppers Stop voucher of Rs 500 on minimum shopping of Rs 3,000. 3. You can earn 2,000 First Citizen points on spending Rs 2 lakh or above in a calendar year. 1 FC point has a value of Rs 0.60. |
| HDFC Bank UPI RuPay Credit Card | 1. HDFC UPI RuPay credit card offers 3% cashpoints on categories including groceries, dine-in, supermarket & PayZapp transactions with an upper limit of 500 points in a month.
2. Utility spends qualify for 2% cashpoint up to a maximum of 500 points in a month 3. All other spend categories excluding wallet top-ups, fuel purchases, insurance premium payments, EMI conversions, rent payments & government-related categories earn 1% cashpoints up to a maximum of 500 points in a month. |
| Tata Neu Infinity HDFC Bank Credit Card | 1. All non-EMI spends on Tata brands including IHCL, Air India, Titan, Tanishq, Big Basket, Croma, Westside, Air India Express, Tata 1MG, Tata Cliq, Tata Play, Tata Pay, Cult and Qmin are eligible for 5% back as NeuCoins.
2. UPI spends on Tata brands, non-Tata brands and EMI transactions with other merchants are qualified for 1.5% back as NeuCoins. 3. An additional 5% back as NeuCoins is available on selected merchant categories on Tata Neu application/website, post successful registration of Tata NeuPass. |
| HDFC Bank MoneyBack+ Credit Card | 1. You can earn as much as 10X cashpoints on spends at merchants including Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy, alongside 5X CashPoints on EMI spends at point of sale.
2. Other categories excluding & voucher purchases, fuel purchases & wallets top-ups are eligible for 2 cashpoints per Rs 150 spent. 3. HDFC Bank offers a gift voucher of Rs 500 on crossing a spend of Rs 50,000 per calendar quarter. |
Enjoy the benefits of redeemable reward points, get deals on travel bookings, lifestyle brands and much more. What’s more, RuPay Credit Cards are now enabled for Unified Payment Interface (UPI) payments. You can easily link your RuPay Credit Card with UPI apps and start earning rewards for your UPI transactions. Choose HDFC Bank RuPay Card to get a secure and rewarding credit experience.
HDFC Bank RuPay credit cards also offer reward points on a number of spend categories. Rewards points, alongside credit card usage directly through UPI, makes them more lucrative. A card member can earn rewards points on dine-in, groceries, retail spends, online & offline shopping, bill payments, fuel purchases, etc.
HDFC RuPay credit card also offers the facility of EMI conversions at point of sale and after completing the purchase in totality. Card members can easily convert their high-value transactions into EMIs of desired repayment tenure at the best possible interest rates.
HDFC RuPay credit cards come enabled for UPI payments. A card member can easily link HDFC Bank RuPay credit card with various third-party payment applications that have UPI facility to start transacting via UPI.
| Credit Card | Annual Fee | Renewal Fee Waiver |
|---|---|---|
| HDFC Bank Freedom RuPay Credit Card | Rs 500 + GST | Bank waives off the renewal fee if the customer manages to spend Rs 50,000 or more in a calendar year. |
| IndianOil HDFC Bank Credit Card | Rs 500 + GST | Renewal fee waiver is available on crossing a spend threshold of Rs 50,000 in the previous year. |
| Tata Neu Plus HDFC Bank Credit Card | Rs 499 + GST | A card member is required to send Rs 1 lakh in a calendar year to avail credit card renewal fee waiver for the next year. |
| IRCTC HDFC Bank Credit Card | Rs 500 + GST | You can qualify for renewal fee waiver on spending Rs 1.5 lakh or above in the preceding year. |
| HDFC Bank RuPay Shoppers Stop Credit Card | Lifetime Free | N.A. |
| HDFC Bank UPI RuPay Credit Card | Rs 99 + GST (Fee is reduced from Rs 250 under festive season offer) | A minimum spend of Rs 25,000 is required in a calendar year to become eligible for renewal fee waiver. |
| Tata Neu Infinity HDFC Bank Credit Card | Rs 1,499 + GST | A card member is required to reach a spend threshold of Rs 3 lakh before the credit card renewal date to become eligible for renewal fee waiver. |
| HDFC Bank MoneyBack+ Credit Card | Rs 500 + GST | You have to spend at least Rs 50,000 in a calendar year to avail renewal fee waiver in the next year.
|
| Fee Type | Credit Card | Charges |
|---|---|---|
| Cash Advance & Revolving Credit Fee | Tata Neu Infinity HDFC Bank Credit Card | 41.88% p.a. |
| Tata Neu Plus HDFC Bank Credit Card | 45.00% p.a. | |
| Other Credit Cards | 43.20% p.a. | |
| Insta Loan & Jumbo Loan Processing Fee and Smart EMI Processing Fee | All RuPay Credit Cards | Rs 999 + GST |
| Pre-Closure Charges | All RuPay Credit Cards | 3% of principal outstanding |
| Balance Transfer Processing Fee | All RuPay Credit Cards | 1% of BT amount |
| Dynamic Currency Conversion Markup Fee | All RuPay Credit Cards | 1% |
| Rent Payments | All RuPay Credit Cards | 1% is applicable from second monthly transaction onwards |
| Cash Advance Fee | All RuPay Credit Cards | 2.5% or Rs 500, whichever is higher |
| Overlimit Fee | All RuPay Credit Cards | 2.5% of overlimit amount subject to a minimum of Rs 550 |
| Late Payment Fee | All RuPay Credit Cards | Rs 500 + GST |
| Payment Dishonour Charge | All RuPay Credit Cards | 2% of payment amount subject to minimum of Rs 450 |
| Rewards Redemption Fee | All RuPay Credit Cards | Rs 99 + GST |
| Reissue of Lost, Stolen or Damaged Card | All RuPay Credit Cards | Rs 100 |
| Outstation Cheque Processing Charge | All RuPay Credit Cards | Rs 25 for cheque value up to Rs 5,000 and Rs 50 for cheque valued over Rs 5,000 |
| Cash Processing Fee | All RuPay Credit Cards | Rs 100 for deposits through ATM and bank branches. |
| Railway Ticket Purchase | All RuPay Credit Cards except IRCTC HDFC Bank Credit Card | 1% + GST |
| Duplicate Physical Statement | All RuPay Credit Cards | Rs 10 |
For HDFC Bank RuPay credit cards, an applicant is required to submit the following documents:
You can apply for HDFC RuPay credit cards online through the HDFC Bank’s website/mobile app or from Banking Vidhya through an end-to-end digital process.
Step 1: Click on the ‘Credit Cards’ tab on the homepage of our website.
Step 2: From the dropdown menu, choose ‘HDFC’ and click on the ‘Apply Now’ button.
Step 3: Enter all the required details such as your name, mobile number, email address, employment information, income details, and so on.
Step 4: Verify your mobile number with an OTP.
Step 5: You will get a call from our credit cards expert soon to let you know about your HDFC RuPay credit card eligibility and help you complete the credit card application process.
Get exclusive rewards, offers, & cashback benefits. Compare & choose a best suited credit card as per your need and apply online!
Yes. As far as domestic transactions are concerned, RuPay credit cards are accepted everywhere in India, while international acceptability is subject to merchant’s conditions.
RuPay payment network is developed by India and is being highly promoted by the nation for international usage. Singapore, Bhutan, Mauritius, Maldives, France, Russia, United Kingdom, UAE, Bahrain, Saudi Arabia, Nepal, Myanmar, South Korea, Oman, Switzerland, the Netherlands and Luxembourg are the international markets that are accepting RuPay credit cards.
RuPay can be little advantageous as you can perform UPI transactions via RuPay credit cards, while credit cards issued on MasterCard and Visa platform doesn’t provide UPI transaction facility.
Yes, you can withdraw cash from a HDFC RuPay credit card through an ATM. However, cash withdrawal is chargeable from a RuPay credit card.
The transaction limit for RuPay credit cards is Rs 5,000 per day for the first 24-72 hours after successful registration at the payments application. The daily limit after 72 hours can increase to Rs 1 lakh per day. For selective merchant categories, the daily transaction limit can be Rs 2 lakh.
UPI ID PIN for HDFC RuPay credit cards can be changed by logging in at the payments application.
At the moment, there are no charges for making a UPI transaction through RuPay credit cards.
There is no upper ceiling on the permissible number of UPI transactions through a RuPay credit card in a day.
All peer-to-peer, peer-to-peer merchant transactions, payments for digital account opening or lending platforms, cash withdrawal at a merchant or ATM, investments into IPO, mutual funds, other categories determined by HDFC Bank, foreign inwards remittances and e-RUPI are not allowed with HDFC RuPay credit cards.
