HDFC RuPay Credit Card credit card

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

Waived at ₹2.0L spend

Joining Fee

₹1,000

Base Reward Rate

2X

₹0.5/pt

Min CIBIL

700

₹4L+ income

Key Features

RuPay credit card — use on UPI apps like PhonePe, Google Pay & BHIM
Pay via UPI and earn credit card rewards on everyday transactions
Accepted at all RuPay-enabled merchants and POS terminals across India
Standard HDFC reward points on all spends
Zero fuel surcharge at HPCL petrol pumps
Contactless tap-and-pay enabled
Add-on cards available for family members
Interest-free credit period of up to 50 days

Welcome Benefits

✓

UPI Credit Card Access

Enjoy the convenience of credit card rewards while paying via UPI — link this RuPay card to any UPI app for seamless payments

✓

Joining Bonus Reward Points

Earn bonus reward points on your first transaction within 90 days of card activation

Reward Rates by Category

Dining

3X

Travel

3X

Online

3X

Shopping

3X

Grocery

3X

Fuel

2X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
All UPI MerchantsUPI Payments2X

Airport Lounge Access

Domestic

2 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death insurance for the primary cardholder

₹50 Lakhs

Zero Liability on Lost Card

Full protection against unauthorised transactions — report loss promptly

100% of fraudulent charges

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

Frequently Asked Questions

Can I use HDFC RuPay Credit Card on UPI?+
Yes — this RuPay credit card can be linked to UPI apps like PhonePe and Google Pay, allowing you to pay via UPI while earning credit card rewards.
Is it accepted everywhere?+
Yes — accepted at all RuPay-enabled POS terminals, online merchants and UPI QR code points across India. International acceptance may be limited compared to Visa/Mastercard.
What reward rate do I earn?+
Standard HDFC reward points on all spends, with enhanced earn on UPI transactions. Check the specific variant's reward rate in your card agreement.
What is the advantage over a regular debit card?+
Unlike a debit card, spends are on credit — you get up to 50 interest-free days, earn reward points, and build your credit score while using UPI.
Are there any UPI transaction limits?+
RuPay credit card UPI transactions follow standard UPI limits set by NPCI and your bank. These may differ from regular credit card transaction limits.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC RuPay Credit Card

₹1,000/yr · 2X rewards