HDFC RuPay Credit Card
HDFC Bank · Rupay
HDFC RuPay Credit Card runs on the RuPay network enabling UPI-based credit spending at zero MDR merchants across India.
Annual Fee
₹1,000
Base Reward Rate
2X
Point Value
₹0.5/pt
Min CIBIL
700
Lounge Access
Domestic
2/year
International
0/year
Reward Rates by Category
Dining
3X
Travel
3X
Shopping
3X
Online
3X
Grocery
3X
Fuel
2X
Utilities
1X
Other
2X
Pros
- RuPay network — UPI credit payments
- Domestic lounge access
- Fuel surcharge waiver
- Works with PhonePe & Google Pay
- Annual fee waived on spend
Cons
- Limited international acceptance
- Basic rewards structure
- No transfer partners
Ready to Apply?
Apply directly on the HDFC Bank website. Takes about 10 minutes.
