HDFC Bank is India’s largest private bank and is popular in India among private organizations and also the world’s 10th largest bank based on market capitalization. Now this post is about the various options of HDFC Rupay credit card, so if you are planning to apply for credit cards for your financial plans for shopping you can choose any of these if it suits you.
HDFC Rupay Credit Card
Before applying for any HDFC credit card here are the benefits of the HDFC Rupay credit card, Eligibility for the HDFC Rupay Credit Card, RUPAY Credit Card link to UPI, also benefits of UPI transactions through RuPay Credit Card.
Eligibility Criteria to Apply for an HDFC Rupay Credit Card
- Age
Minimum 21 years and maximum 60 years for Salaried individuals.
Minimum of 21 years and a maximum of 65 years for self-employed individuals. - Nationality
Applicants must be Indian Nationals. - Employment Status
Salaried professionals or self-employed individuals - Annual Income
HDFC Bank assesses eligibility for the HDFC Rupay credit card and determines the credit limit based on the applicant’s annual income.
Benefits of HDFC Rupay Credit Card
- Reward Points – you can earn reward points on various expenses like bill payments, groceries, dining, etc.
- Interest-free period.
- Easy EMI option.
HDFC Rupay Credit Card linked to UPI
HDFC Rupay credit card is linked to UPI account and can be used for various payments. This can be done through the PayZapp application. You may be existing or fresh users of PayZapp.
UPI Transactions via HDFC Rupay Credit Card
- Online and Offline Shopping
- Utilities – Electricity, Gas, water, internet.
- Food deliveries and dining out
- Subscription Services
- Travel Booking – train, flight, bus, travel packages, and many more travel bookings.
- QR Code payments.
Benefits of UPI Transactions through HDFC Rupay Credit Card
- Easy Bill Payment.
- Earn Rewards.
- Credit Card Benefits.
Types of HDFC Rupay Credit Card
1: HDFC Rupay Credit + Convenience
- 3% Cashpoints on groceries, supermarket, & dining spend.
- 2% Cashpoints on utility spends.
- 1% Cashpoints other spends [ Rent, wallet loads, EMI, fuel, etc]
2: IRCTC HDFC Bank Rupay Credit Card
- 5 Reward points for every Rs.100 spent on the IRCTC website while train ticket booking.
- Earn 1 Reward point for every Rs.100 spent through UPI.
- Additional 5% Cashback on train booking through smart buy.
- Earn 1 reward point for every Rs.100 spent on every other transaction.
3: Indian OIL HDFC Bank Rupay Credit Card
- 1 Fuel point for every Rs.150 spent through UPI, & earn 50-litre fuel every year.
- Earn 5% on your spending as Fuel points for Indian Oil outlets, groceries, and bill payments.
- Earn a 1% fuel surcharge waiver at all IOCL fuel stations across India.
4: TATA Neu Plus HDFC Bank Rupay Credit Card
- TATA Neu plus HDFC Rupay Credit card gives more reasons to shop with extraordinary rewards & savings.
- Get 499 Neucoins on the TATA Neu App as a reversal of your 1-year membership fees.
- Earn 1% back as Neucoins on UPI.
- Earn a 2% back as neucoins on Non-EMI spend on TATA Neu and TATA Bands.
- Earn an additional 5% cashback as Neucoins on selected categories on TATA neu App/categories.
- 1% back as Neucoins on Non-TATA Brand spends.
5: HDFC Bank RuPay Shoppers STOP Credit Card
- 2 First citizens points for every Rs.150 spent through UPI.
- Earn 6 First Citizen points for every Rs.150 spent on shopper Stop private label brands capped at 500 First Citizen points.
- Complimentary Shoppers Stop membership.
6: HDFC Bank Freedom RuPay Credit Card
- Earn 10X cash points on your favorite merchants. – BigBasket, BookMyShow, OYO, Swiggy, & Uber[2500 cashpoints in a calendar month]
- Earn 5X cashpoints on EMI spends at merchant locations
- Earn 1 cashpoint for every Rs.150 on other spends [excluding fuel, wallet, prepaid card, etc]
Joining Fees on HDFC Bank Rupay Credit Card
| HDFC Credit Card | Best Feature | Joining Fee/Annual Fee |
| IRCTC HDFC Bank RuPay Credit Card | 8 Complimentary access passes to selected IRCTC Executive Lounges | Rs.500 + Taxes |
| Indian Oil Credit Card | 5% Fuel point on everyday Spend | Rs.500 + Taxes |
| TATA Neu Plus Credit Card | Additional 5% back as NeuCoins on selected categories on the Tata Neu App/Website | Rs.499 + Taxes |
| HDFC Bank Rupay Shoppers STOP | Earn 3% on all Shoppers stop spends and 1% on all non-Shoppers Stop spends | Rs.299 + Taxes |
| HDFC Bank Freedom RuPay Credit Card | Earn 10X CashPoints on your various merchant payments | Rs.500 + Taxes |