HDFC Rupay Credit Card

HDFC Rupay credit cards have garnered widespread popularity among Indian consumers, and the HDFC UPI Rupay credit card is emerging as a key player in the Indian financial landscape. The bank has 7 Rupay credit cards, each catering to different uses with varied benefits and features. 

You can find the details, charges, and uses of the HDFC Bank Rupay credit cards here in detail. 

Key Highlights of the HDFC Rupay Credit Card

Here is the HDFC Rupay credit card list and their key highlights:

Credit Card Name

Offers

Eligible Income

Renewal Charges

Shoppers Stop Black HDFC Rupay Credit Card

Complimentary FC Black membership worth Rs. 4,500 & 20 points for every Rs. 150 spent on Shoppers Stop Private Label brands.

For Salaried; more than Rs. 2,00,000 p/m.

For self-employed, it is more than Rs. 8 lakhs p.a.

Rs. 4,500 + GST

Indian Oil HDFC Rupay Card

You can be eligible to earn up to 50 liters of free fuel annually, and 5% of fuel spent in IndianOil outlets to earn 250 fuel points for a month. 

For salaried, it is more than Rs. 10,000 p/m.

For self-employed, it is more than Rs. 6 lakhs p.a.

Rs. 500 + GST

Tata Neu Infinity HDFC Bank Rupay Credit Card

5% back Neucoins (reward points) on Non-EMI spends on Tata brands, and 1.5% back as Neucoins on Non-Tata Brands. 

For Salaried; more than Rs. 1,00,000 p/m.

For self-employed, it is more than Rs. 12 lakhs p.a.

Rs. 1,499 + GST

HDFC Rupay Freedom Credit Card

There are 10X cash points on selected merchants and 5X cash points on EMI spends at merchant locations. 

For salaried, it is more than Rs. 12,000 p/m.

For self-employed, it is more than Rs. 6 lakhs p.a.

Rs. 500 + GST

HDFC MoneyBack Rupay Credit Card

The card comes with instant cashback on every spend that is over Rs. 150. 

For salaried, it is more than Rs. 25,000 p/m.

For self-employed, it is more than Rs. 6 lakhs p.a.

Rs. 500 + GST

IRCTC HDFC Bank Rupay Credit Card

The user of this card gets to save up to Rs. 13,500 for every year through reward points and cashback. 

For salaried, it is more than Rs. 25,000 p/m.

For self-employed, it is more than Rs. 6 lakhs p.a.

Rs. 500 + GST

HDFC Bank UPI RuPay Credit Card

The card can be linked to UPI platforms to make easy payments. 

NA

Rs. 99 + GST

Benefits and Features of HDFC Rupay Credit Card

Following are some of the key features of various Rupay Credit Card offered by HDFC Bank-

Card Name

Benefits and Features

HDFC Shoppers Stop Rupay Card

Reward Points 
  • The accrual of reward points on grocery spending would be capped at 1000 points per month. 
  • 15 First Citizen reward points for every Rs. 150 spent on all other Shoppers Stop shops. 
  • Five reward points for every Rs. 150 that is spent on other expenses. 
Exclusive Dining Privileges
  • You get dining benefits with food trail programs. 
  • 20% savings on all restaurant bill payments through Swiggy Dine Out.
Fuel Surcharge Waiver
  • 1% fuel surcharge waiver on fuel payments of Rs. 400 and a maximum of Rs. 5,000. 
Welcome Benefit
  • 500 cash points as a welcome benefit
Renewal Benefits
  • The spend of Rs. 50,000 and more in the first year for the renewal fee to be waived off.
Annual Spend Rewards
  • Spend Rs. 50,000 and more in three months to get Rs. 500 worth of gift vouchers. 
Accrual of Reward Points
  • Reward points accumulated on the card can be redeemed against the statement balance at the rate of 1 Reward Point = Rs. 0.20.

HDFC IndianOil Rupay Card

Rewards
  • Up to 50 liters of free fuel annually. 
  • Earn 5% of your spending as a fuel point at IndianOil. 
  • Users can earn 5% of spending as fuel points on groceries and bill payments. 
  • One fuel point for every Rs. 150 that is spent on all purchases. 
Fuel Benefits
  • 1% fuel surcharge waiver at all fuel pump outlets across the country. 
Renewal Rewards
  • A spend of Rs. 50,000 or more in the first year earns a waiver on the renewal membership fee. 
Smart EMI Options
  • This card comes with the option to convert big spends to easy EMIs. 
Contactless Payments
  • The IndianOil HDFC Bank card is enabled for contactless payments for easy transactions. 

Tata Neu Infinity HDFC Bank Credit Card

Rewards Points
  • 5% are earned back as Neucoins on Tata brands, and 1.5% are earned back as Neucoins on Non-Tata brands. 
  • 1.5% Neucoins on UPI expenses.
  • 5% back as NeuCoins on select categories on the Tata Neu application or portal. 
Welcome Benefits
  • 1,499 NeuCoins on the Tata Neu Application as a reversal of 1st-year charges.
Foreign Currency Markup
  • 2% on foreign currency expenses.
Lounge Access Benefits
  • Domestic: 8 complimentary domestic lounge access in one year. 
  • International: With a priority pass, you and your add-on member can get up to 4 complimentary international lounge accesses for a year together.
Fuel Benefits
  • Get a 1% fuel surcharge waiver at all fuel stations across the country.
Renewal Rewards
  • The spend of Rs. 3,00,000 or more in the year for a renewal fee waiver.
Insurance Benefits
  • Death or accidental cover of Rs. 1 crore, and more.
Neucoins Redemption
  • You can use Neucoins for purchases on Tata Neu on varied brands. 

HDFC Rupay Freedom Credit Card

Rewards
  • 10X cash points on select merchants and 5X cash points on EMI Spends at merchant locations. 
  • One cash point for every Rs. 150 spent on other expenses.
Dining Benefits
  • Dining benefits with a good food trail. 
  • 20% savings on restaurant bill payments through Swiggy Dine Out.

 Fuel Surcharge Benefits

  • 1% fuel surcharge waiver on fuel transactions. 
Renewal Offer
  • The renewal fee can be waived with the spend of Rs. 50,000 and more. 

HDFC MoneyBack Credit Card

Reward Points
  • Users can earn two reward points for every Rs. 150 spent. There are four reward points for every Rs. 150 spent online. 
  • A gift voucher worth Rs. 500 for every quarter spent above Rs. 50,000. 
Welcome Benefits
  • Five hundred cash points are required to pay the membership fee.
Fuel Benefits
  • 1% fuel surcharge waiver on fuel transactions. 
Renewal Benefits
  • The spend of Rs. 50,000 and more in the first year comes with the renewal fee waived. 

HDFC IRCTC Credit Card

Reward Points
  • Five reward points for every Rs. 100 spent on the IRCTC portal. 
  • One reward point for every Rs. 100 spent on other spends. 
  • Additional 5% cashback on train ticket bookings through Smartbuy. 
  • Eight complimentary access to choose IRCTC Executive Lounges for every year. 
  • 1% transaction charges waiver on transactions done on ticketing in the IRCTC portal and app. 
Welcome Benefits
  • There is a welcome gift voucher worth Rs. 500 on the activation of the card. 
Fuel Rewards
  • 1% fuel surcharge waiver at all fuel stations. 
Milestone Benefits
  • A gift voucher worth Rs. 500 on quarterly spends of Rs. 30,000. 
IRCTC Executive Lounge Benefits
  • Eight complimentary access to choose IRCTC executive lounges each year. 
Fee waiver
  • The spend of Rs. 1,50,000 or more in one year waives the renewal fee. 
Credit Card on UPI
  • The card is enabled to link to the UPI, where payments can be made through the UPI. 

HDFC Bank UPI RuPay Credit Card

Reward Points
  • 3% cash points on supermarket, groceries, and dining expenses. 
  • 2% cash points on utility expenses. 
  • 1% cash points on other expenses. 
UPI Benefit
  • Users can link the HDFC Bank UPI card with UPI apps after registration. 
Interest-Free Period
  • Users can get a 50-day interest-free period on an HDFC UPI card. 
Renewal Benefits
  • A spend of Rs. 25,000 and more in one year earns a membership waiver. 

Charges and Fees Applicable on HDFC Rupay Credit Card

The Rupay cards of HDFC Bank have the following charges:

Credit Card Name

Annual Charges

Renewal Charges

Shoppers Stop Rupay Card

Rs. 4,500 + GST

Rs. 4,500 + GST

HDFC IndianOil Rupay Card

Rs. 500 + GST

Rs. 500 + GST

Tata Neu Infinity HDFC Bank Credit Card

Rs. 1,499 + GST

Rs. 1,499 + GST

HDFC Freedom Credit Card

Rs. 500 + GST

Rs. 500 + GST

HDFC Moneyback Card

Rs. 500 + GST

Rs. 500 + GST

IRCTC HDFC Bank Credit Card

Rs. 500 + GST

Rs. 500 + GST

HDFC Bank UPI RuPay Credit Card

Rs. 99 + GST

Rs. 99 + GST

Late Payment Charges Applicable on HDFC Rupay Cards

The late payment charges for Rupay HDFC credit card are as follows:

Outstanding Balance

Amount

Less than Rs. 100

0/-

Rs. 100 to Rs. 500

100/-

Rs. 501 to Rs. 5,000

500/-

Rs. 5,001 to Rs. 10,000

600/-

Rs. 10,001 to Rs. 25,000

800/-

Rs. 25,001 to Rs. 50,000

1100/-

More than Rs. 50,000

1300/-

Eligibility Criteria to Apply for HDFC Rupay Cards

Here is a brief overview of the eligibility criteria applicable-

 

Credit Cards

For Salaried Indian Residents

For Self-employed Indian Residents

HDFC Shoppers Stop Rupay Card

  • Net monthly income needs to be more than Rs. 2,00,000 per month
  • ITR needs to be for more than Rs. 8 lakhs per annum 

IndianOil HDFC Bank Rupay Credit Card 

  • Net monthly income needs to be more than Rs. 10,000 per month
  • ITR needs to be for more than Rs. 6 lakhs per annum 

Tata Neu Infinity HDFC Bank Credit Card 

  • Net monthly income needs to be more than Rs. 1,00,000 per month
  • ITR needs to be for more than Rs. 12 lakhs per annum

HDFC Freedom Credit Card

  • Net monthly income needs to be more than Rs. 12,000 per month
  • ITR needs to be for more than Rs. 6 lakhs per annum

HDFC Moneyback Card

  • Net monthly income needs to be more than Rs. 25,000 per month
  • ITR needs to be for more than Rs. 6 lakhs per annum

IRCTC HDFC Bank Credit Card

  • Net monthly income needs to be more than Rs. 25,000 per month
  • ITR needs to be for more than Rs. 6 lakhs per annum

HDFC Bank UPI RuPay Credit Card

NA


NA

  • For Salaried Indian Residents, the minimum age is 21, and the maximum age is 60 for all the HDFC Rupay Credit Card.
  • For Self-employed Indian Residents, the minimum age is 21 years of age, and the maximum age is 65 years of age

Documents Required to Apply for the HDFC Rupay Cards

The primary documents required to apply are:

  • ID Proof
  • Address Proof
  • Income Proof

How to Apply for HDFC Rupay Credit Cards

You can apply for the HDFC Bank Rupay credit cards through the steps mentioned below:

Step 1: Visit https://www.hdfcbank.com/

Step 2: From the home page, you need to navigate to the credit cards section.

Step 3: Choose your credit card from the dropdown. 

Step 4: Click on Apply Now, proceed to fill out the application form, and submit it with the required documents. On successful completion of the application, you will receive your Rupay Credit Card.

Similar Rupay Credit Cards

Other similar Rupay cards are

Credit Card Name

Characteristics

Axis Bank ACE Credit Card

There is a 5% cashback on bill payments (internet, electricity, DTH, and more) through Google Pay. 

Amazon Pay ICICI Credit Card

5% cashback on Amazon for prime clients and 3% on Amazon for non-prime clients.

Standard Chartered Smart Credit Card

2% cashback, which is up to Rs. 1,000 for a month on online transactions.

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