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HDFC Bank Rupay Credit Card 2024 & Offers for You to Apply

Apply for the HDFC Bank Rupay Credit Card, get complete details like eligibility, features, benefits, charges review online for HDFC Rupay Credit Card

HDFC Bank Rupay Credit Card February 2025 - Compare & Apply

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<h2 style="text-align:justify">Best HDFC Rupay Credit Card</h2>

<p style="text-align:justify"><strong>Your Partner To Get Great Offers And Rewards!</strong></p>

<p style="text-align:justify">HDFC Bank has introduced a new virtual credit card called <a href="https://www.hdfcbank.com/personal/pay/cards/credit-cards/hdfc-bank-upi-rupay-credit-card" target="_blank">UPI RuPay Credit Card</a>. Instead of getting a physical card, it&#39;s linked to your UPI ID. You can use it for UPI transactions through apps like BHIM.&nbsp; Plus, you can also earn reward points for making payments with this credit card on UPI. This makes HDFC the first private bank to offer such a service. Here are the best Rupay Credit Cards By HDFC Bank that help you grab great benefits and discounts.&nbsp;</p>

<h2 style="text-align:justify">Prime Features &amp; Benefits of HDFC RuPay Credit Card</h2>

<p style="text-align:justify">Financial advisors often advise against using credit cards because many people misuse them and end up owing money. However, if RuPay uses your credit card responsibly, it&#39;s better than using a debit card and paying with cash most of the time.&nbsp;</p>

<p style="text-align:justify">Let&#39;s look at the features and benefits of HDFC RuPay credit cards that make it a better choice.</p>

<h3 style="text-align:justify">1] Cash Points On All Purchases&nbsp;</h3>

<ul>
	<li style="text-align:justify"><strong>2% to 3% Cash Points on All Types of Purchases:</strong> Earn 3% CashPoints on purchases made on groceries, dining expenses, supermarket items, and PayZapp transactions. You can also get 2% CashPoints on utility bill payments. (Up to a maximum of 500 Points per calendar month)</li>
	<li style="text-align:justify"><strong>1% Points On Transactions Excluding Government Ones:</strong> Receive 1% CashPoints on all other purchases, excluding wallet loads, rent, EMI payments, fuel purchases, and government transactions.&nbsp;</li>
</ul>

<h3 style="text-align:justify">2] Savings On Fuel</h3>

<ul>
	<li style="text-align:justify"><strong>Annual Fee Waiver with Annual Spending: </strong>Spend INR 50,000 or more in a year to waive the annual fee.</li>
	<li style="text-align:justify"><strong>Fuel Surcharge Waiver: </strong>Receive a 1% waiver on fuel surcharges for transactions ranging from INR 400 to INR 5,000. The maximum waiver you can avail of in a statement cycle is INR 250. So, save on fuel expenses with this perk.</li>
</ul>

<h3 style="text-align:justify">3] Shopping Benefits</h3>

<ul>
	<li style="text-align:justify"><strong>Exclusive Dining Discounts with Swiggy Dine Out:</strong> Get up to a 20% discount at partner restaurants when you use Swiggy Dine Out. Enjoy savings on your dining experiences through this offer.</li>
	<li style="text-align:justify"><strong>Lifetime Free Membership: </strong>Sign up for a membership that&#39;s free for life. Get the benefits without any annual fees or renewal charges.</li>
	<li style="text-align:justify"><strong>Earn First Citizen Points at Shoppers Stop: </strong>Receive First Citizen Points for every INR 150 spent on Shoppers Stop&#39;s brands. You can get up to 500 points per month through this offer.</li>
	<li style="text-align:justify"><strong>Double Points on Shoppers Stop Purchases:</strong> Get 2 First Citizen Points for every INR 150 spent on other Shoppers Stop brands and purchases in different categories. Note that this excludes transactions involving fuel and wallets.</li>
	<li style="text-align:justify"><strong>Complimentary Membership: </strong>Receive a free Shoppers Stop membership as part of the package. Enjoy additional perks and privileges with this complimentary membership.</li>
</ul>

<h3 style="text-align:justify">4] Additional Benefits</h3>

<ul>
	<li style="text-align:justify"><strong>Interest-Free Credit Period:</strong> Experience the advantage of a prolonged interest-free period of up to 50 days with your HDFC Bank UPI RuPay Credit Card.</li>
	<li style="text-align:justify">This offering hinges on the timely submission of charges by the merchant.</li>
</ul>

<h2 style="text-align:justify">Best HDFC Bank RuPay Credit Cards&nbsp;</h2>

<p style="text-align:justify">Check out HDFC&#39;s top RuPay Credit Cards, which are made for different lifestyles. From saving money daily to travel benefits, you can get any offer. Let&#39;s see what makes these HDFC credit cards special in India!</p>

<h3 style="text-align:justify">1] IRCTC HDFC Bank Credit Card</h3>

<ul>
	<li style="text-align:justify">
	<p><strong>Reward System:</strong> You get 5 reward points for every INR 100 you spend on train tickets through the IRCTC website or Rail Connect app. But if you book through Paytm or MakeMyTrip, you don&#39;t earn any reward points. For any other transaction, you earn 1 reward point for every Rs 100 spent. When you use the IRCTC website or Rail Connect app, you don&#39;t have to pay the usual 1% transaction charge.</p>
	</li>
	<li style="text-align:justify"><strong>Cashback Offer:</strong> You can also get 5% cashback plus reward points on train ticket bookings with HDFC Bank Smart Buy App.</li>
	<li style="text-align:justify"><strong>Fuel Surcharge Waiver: </strong>You can get a 1% fuel surcharge waiver with the IRCTC HDFC Bank Credit Card, saving you up to INR 250 per billing cycle.</li>
	<li style="text-align:justify"><strong>Lounge Access:</strong> Cardholders can enjoy up to 8 free visits to IRCTC Executive Lounges each year (two per quarter). It&#39;s a great way to relax while waiting for your train. Just show your Credit Card and a valid railway ticket at the lounge reception to access it.</li>
	<li style="text-align:justify"><strong>Welcome Benefits: </strong>You&#39;re entitled to an INR 500 gift voucher on your first transaction within 37 days of receiving the card upon approval of your IRCTC HDFC Bank Credit Card.</li>
	<li style="text-align:justify"><strong>Milestone Benefits: </strong>Earn milestone benefits in the form of an INR 500 gift voucher for quarterly spending of INR 30,000 or more.</li>
</ul>

<p style="text-align:justify">The HDFC Bank RuPay IRCTC Credit Card has a simple fee structure: an annual fee and a joining fee of INR 500 each, plus taxes. For purchases outside India, there&#39;s a foreign transaction fee of 3.5% plus taxes. You can enjoy up to 50 days of interest-free period for your purchases. If needed, you can also opt for revolving credit at a low interest rate. It&#39;s an amazing card with low fees to manage your expenses.</p>

<h3 style="text-align:justify">2] Indian Oil Credit Card</h3>

<ul>
	<li style="text-align:justify"><strong>Fuel Points: </strong>You can get 5% of your spending as Fuel Points at IndianOil outlets. You can also earn 5% of your spending as Fuel Points on groceries and bill payments (maximum of 100 Fuel Points per month for each category). Also, receive 1 Fuel Point for every INR 150 spent on all other purchases, including UPI transactions.</li>
	<li style="text-align:justify"><strong>Complimentary IndianOil Program (IXRP) Membership: </strong>Enjoy complimentary membership to the IndianOil Program with your IndianOil HDFC Bank Credit Card.</li>
	<li style="text-align:justify"><strong>Zero Liability on Lost Card: </strong>In case you lose your IndianOil HDFC Bank Credit Card, report it immediately to the 24-hour call center to have zero liability for any fraudulent transactions made on your card.</li>
	<li style="text-align:justify"><strong>Fuel Surcharge Waiver:</strong> Enjoy a 1% fuel surcharge waiver at all fuel stations across India on transactions of INR 400 or more, with a maximum cashback of INR 250 per statement cycle.</li>
	<li style="text-align:justify"><strong>Renewal Offer:</strong> Spend INR 50,000 or more in the first year to receive a waiver on the renewal membership fee.</li>
	<li style="text-align:justify"><strong>Smart EMI: </strong>Convert your significant purchases into EMIs after purchase with the <strong>IndianOil HDFC Bank rupay Credit Card</strong>.&nbsp;</li>
	<li style="text-align:justify"><strong>Welcome Offer: </strong>The HDFC IndianOil Credit Card provides a free membership to the IndianOil XTRAREWARDS Program (IXRP). You can use your Fuel Points to get free fuel at more than 20,000 participating IndianOil fuel stations nationwide.</li>
</ul>

<p style="text-align:justify">These benefits are beneficial for those who regularly use Indian Oil for fuel. If you want fuel benefits without being tied to a specific brand, you may explore other well-known fuel credit cards.</p>

<h3 style="text-align:justify">3] Tata Neu Plus Credit Card</h3>

<ul>
	<li style="text-align:justify"><strong>NeuCoins Rewards:</strong> Earn back a percentage as NeuCoins on non-EMI spends at Tata Neu and partners with Tata Brands.</li>
	<li style="text-align:justify"><strong>Additional Features:</strong> Get access to lounge facilities and earn NeuCoins on UPI spends, including transactions with partner Tata Brands. HDFC Bank helps you earn an additional 5% back as NeuCoins on selected categories on the Tata Neu App/Website after downloading the Tata Neu App and registering for Tata NeuPass.&nbsp;</li>
	<li style="text-align:justify"><strong>Stay Secure: </strong>Protect your real card information with NetSafe and enjoy zero lost card liability. You can report any loss immediately to our 24-hour call center to avoid liability for fraudulent transactions.</li>
	<li style="text-align:justify"><strong>Interest-Free Credit Period: </strong>Get up to 50 days without interest on your Tata Neu Plus HDFC Bank Credit Card, starting from the purchase date, depending on when the merchant processes the charge.</li>
	<li style="text-align:justify"><strong>Domestic Lounge Access:</strong> Receive 4 complimentary domestic lounge accesses per calendar year (1 per quarter). A fee will be charged for additional accesses. Please note the updated list of eligible domestic lounge access locations here.</li>
	<li style="text-align:justify"><strong>Fuel Surcharge Waiver:</strong> Enjoy a 1% waiver on fuel surcharges at any fuel station in India for transactions between ₹400 and ₹5,000. The maximum waiver per billing cycle is ₹250.</li>
	<li style="text-align:justify"><strong>Welcome Benefit: </strong>Receive 499 NeuCoins on the Tata Neu App as a reversal of the 1st Year Membership Fees upon your first transaction within 30 days of card issuance. The NeuCoins will be available for immediate claim in the Tata Neu App within 60 days of the transaction.</li>
</ul>

<p style="text-align:justify">HDFC Bank has teamed up with Tata Neu to introduce a co-branded credit card called the &#39;Tata Neu HDFC Bank Credit Card.&#39; This card comes in two versions: the Tata Neu Plus and the Tata Neu Infinity HDFC Bank Credit Card. Both variants provide special reward points known as NeuCoins. You&rsquo;ll also get additional perks like free access to airport lounges and a waiver on fuel surcharges.</p>

<h3 style="text-align:justify">4] HDFC Bank RuPay Shoppers Stop Credit Card</h3>

<ul>
	<li style="text-align:justify"><strong>Lifetime Free Card: </strong>You can now get the benefits of a Lifetime Free Card with the <strong>Shoppers Stop HDFC Bank Credit Card</strong>.</li>
	<li style="text-align:justify"><strong>First Citizen Points Earning: </strong>Earn 6 First Citizen Points for every INR 150 you spend on Shoppers Stop private label brands, with a monthly cap of 500 points. Additionally, you&#39;ll receive 2 First Citizen Points for every INR 150 spent on all other brands at <a href="https://www.hdfcbank.com/personal/pay/cards/credit-cards/shoppers-stop-hdfc-bank-credit-card" target="_blank"><strong>Shoppers Stop</strong></a> and other categories, excluding fuel and wallet transactions.</li>
	<li style="text-align:justify"><strong>Complimentary Shoppers Stop Membership: </strong>A complimentary Shoppers Stop membership comes with your credit card.</li>
	<li style="text-align:justify"><strong>Fuel Surcharge Waiver:</strong> Benefit from a 1% fuel surcharge waiver of up to INR 250 per statement cycle across all fuel stations in India.</li>
	<li style="text-align:justify"><strong>Welcome Benefit: </strong>Get a Shoppers Stop voucher worth less than INR 500, redeemable for a minimum shopping of INR 3,000 at Shoppers Stop stores.</li>
	<li style="text-align:justify"><strong>Milestone Benefit: </strong>2000 First Citizen Points upon spending INR 2 lakhs annually will be your milestone benefit with this card.&nbsp;</li>
	<li style="text-align:justify"><strong>Contactless Payment:</strong> Use your Shoppers Stop HDFC Bank Credit Card for contactless payments at retail outlets, ensuring fast, convenient, and secure transactions.</li>
</ul>

<p style="text-align:justify">These features include earning reward points on all Shoppers Stop transactions and 1% reward points on all other non-Shoppers Stop purchases. Moreover, the Shoppers Stop Black HDFC Bank Credit Card provides lounge access privileges across 50+ lounges within India.&nbsp;</p>

<h3 style="text-align:justify">5] HDFC Bank Freedom RuPay Credit Card</h3>

<ul>
	<li style="text-align:justify"><strong>CashPoints Redemption:</strong> CashPoints you earn on the <strong>HDFC Bank Freedom Credit Card</strong> can be redeemed against the statement balance. Now, 1 CashPoint = INR 2015. Redemption can be done through a Net Banking login or a physical redemption form. For redemption against cashback, the cardholder must have a minimum of CashPoints equivalent to INR 500.&nbsp;</li>
	<li style="text-align:justify"><strong>Exclusive Dining Privileges:</strong> Take advantage of exclusive dining benefits through the Good Food Trail program. Save up to INR 2016 on all your restaurant bill payments via Swiggy Dine Out at over 20,000 restaurants. This offer includes discounts from both the restaurant and Swiggy.&nbsp;</li>
	<li style="text-align:justify"><strong>Fuel Surcharge Benefit:</strong> Receive a waiver of up to 1% on fuel surcharges. It is applicable at all fuel stations across India.</li>
	<li style="text-align:justify"><strong>Welcome/Renewal Benefit:</strong> Receive 500 CashPoints upon payment of the membership fee. You can have your renewal membership fee waived by spending INR 50,000 or more within an annual year.</li>
</ul>

<p style="text-align:justify">The HDFC Freedom card&#39;s credit limit is decided by the bank based on things like your credit score and how you&#39;ve paid back loans before. If you spend INR 90,000 in a year, you get an INR 1,000 gift voucher. Also, these features are amazing in allowing you to take advantage of great offers on this card.&nbsp;</p>

<p><a href="https://www.banksathi.com/credit-cards/airport-lounge">Best Lounge Access Credit Card</a>&nbsp; &nbsp;|&nbsp; &nbsp; &nbsp;<a href="https://www.banksathi.com/credit-cards/rewards">Best Rewards Credit Card</a>&nbsp; &nbsp; &nbsp;|&nbsp; &nbsp; &nbsp;<a href="https://www.banksathi.com/credit-cards/cashback">Best Cashback Credit Card</a></p>

<h2>How do you apply for an HDFC RuPay credit card?</h2>

<p>Read this section to know how you can apply for an HDFC RuPay Credit Card.&nbsp;</p>

<ol>
	<li>Go to the official <a href="https://applyonline.hdfcbank.com/cards/credit-cards.html?CHANNELSOURCE=IRCT?LGCode=MKTG&amp;utm_content=MKTG&amp;mc_id=website_organic_rupay_cc_apply_online&amp;icid=website_organic_rupay_cc_apply_online#nbb" target="_blank">HDFC Credit Card Application link</a> or you can proceed with the BankSathi platform.&nbsp;</li>
	<li>In this, enter your mobile number and the rest of the details, such as date of birth and PAN card details.&nbsp;</li>
	<li>Now, you will get the OTP. Enter it and verify the details to move ahead.</li>
	<li>In the next stage, enter your rest demographic and personal details and confirm the same.&nbsp;</li>
	<li>Now, you will be moved to the stage for card selection. The card will be reflected on the screen based on your eligibility.</li>
	<li>Select the RuPay credit card that you wish to apply for.</li>
	<li>Submit the details and confirm to end the process.</li>
</ol>

<p>Once verified, you will get the card delivered to your registered address. This usually takes around 7 working days, based on your location. In case you face any difficulty, you can visit your nearby HDFC bank branch and get the certificate by sharing the application or reference number you received.&nbsp;</p>

<h2 style="text-align:justify">Required Documents for HDFC Bank Rupay Credit Card&nbsp;</h2>

<p style="text-align:justify">Here are the mandatory documents you will need to apply for an <strong>HDFC RuPay Credit Card</strong>.&nbsp;</p>

<ul>
	<li style="text-align:justify">PAN Card</li>
	<li style="text-align:justify">Documents for identity proof like PAN card, passport, license, etc.&nbsp;</li>
	<li style="text-align:justify">Electricity bill, ration card, passport for address proof.&nbsp;</li>
	<li style="text-align:justify">Bank statement and passbook for the last 3 months.&nbsp;</li>
	<li style="text-align:justify">Rent agreement for resident customers.</li>
</ul>

<h2>Tips to Use HDFC Bank Rupay Credit Card</h2>

<ul>
	<li>Use your credit card for regular purchases to accumulate rewards quickly.</li>
	<li>Always pay your balance in full each month to avoid interest charges.</li>
	<li>Check your statement regularly for any errors or unauthorized transactions.</li>
	<li>Redeem your rewards periodically to make sure they don&rsquo;t expire.</li>
	<li>Set up automatic payments to ensure you never miss a due date.</li>
	<li>Keep track of your credit card benefits to use them fully.</li>
	<li>Use your card&rsquo;s contactless feature for quick and secure payments.</li>
	<li>Monitor your credit utilization to keep a healthy credit score.</li>
	<li>Update your mobile number and email to receive transaction alerts.</li>
	<li>Use your credit card&rsquo;s app or online portal to manage your account efficiently.</li>
</ul>

<h2 style="text-align:justify">Final Words</h2>

<p style="text-align:justify">The best way to use an <a href="https://www.hdfcbank.com/personal/pay/cards/credit-cards" target="_blank"><strong>HDFC credit card</strong></a> is to connect it with UPI and use it to pay all your bills. For the same, you can apply for the <strong>RuPay credit cards</strong> as mentioned above and ensure that you endlessly gain all the benefits.</p>

<p style="text-align:justify">Different Rupay credit cards will give you cashback points, rewards, vouchers, and welcome benefits. So, earn these benefits for every purchase and transaction.&nbsp;</p>

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