Best HDFC RuPay Credit Cards in India 2026

HDFC RuPay Credit Cards combine daily convenience of UPI payments with valuable spend rewards. Cardholders enjoy savings through benefits like cashback, reward points, airport lounge access, fuel surcharge waivers, and partner vouchers across categories like travel, shopping, dining, etc. Compare top HDFC RuPay credit cards, review eligibility, and apply online today.

Why Choose Paisabazaar ?

Compare India’s best credit cards

See cards from top Banks & issuers

Choose card matching your lifestyle

Wide choice of 100+ credit cards

Pre-qualified offers, zero docs

Offers ranked according to eligibility

Google Play Store

4.5_/5

15.7L Reviews

6Cr+Happy Customers

2 M+Cards Issued

100+ CardsMultiple Choices

UNLIMITED* & FREE

Airport Lounge Access

Limited Time Offer

Get a

with Every Card

Choose a Card Matching
Your Lifestyle

What is an HDFC RuPay Credit Card?

HDFC RuPay Credit Card is a credit card issued by HDFC Bank in partnership with the RuPay network. These credit cards combine standard credit card privileges, such as cashback and reward points, with seamless UPI integration. Cardholders can link their HDFC RuPay credit cards to any UPI-enabled application, including PayZapp, Google Pay, PhonePe, Paytm, BHIM and many more, to make instant merchant UPI payments using their credit limit, thus earning value-back and rewards across everyday spending categories.

HDFC Bank RuPay Credit Card Features & Benefits

HDFC RuPay Credit Cards come with the following features and benefits for the cardholders:

UPI Integration: You can link HDFC RuPay Credit Cards to any UPI app of choice and use them to make instant online UPI payments to merchants. You can also use these cards on UPI for bill payments.
Value-back on Card Spends: The HDFC RuPay cards help the users to save on their spends by offering value-back in the form of cashback or reward points, along with other perks across different spending categories like online shopping, travel, dining, entertainment and others.
Global Acceptance: RuPay Credit Cards can be used for transactions across the world, in addition to having an extensive domestic acceptance.
EMI Conversion: Similar to credit cards on other networks like Visa and Mastercard, HDFC Credit Cards on RuPay also come with the flexibility to convert big-ticket transactions into easy EMIs payable over a pre-set tenure.
Interest-Free Period: HDFC Bank offers an interest-free period of up to 50 days on its RuPay credit card spends during which the cardholders can repay their dues without accruing any interest charges.

Fees and Charges of HDFC RuPay Credit Cards

Fee Type	Amount
Joining/Annual Fee	Varies as per card variant
Finance Charges	1.99% to 3.75% per month \| 23.88% to 45% per annum
Late Payment Charges	On outstanding balance of - Up to 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

Click here for the detailed fees and charges applicable on HDFC RuPay Credit Cards

Eligibility Criteria to Apply for HDFC RuPay Credit Cards

Eligibility Criteria	Details
Nationality	Indian nationals
Employment Status	Salaried or self-employed individuals
Age	Salaried: 21 years to 60 years Self-employed: 21 years to 65 years
Annual Income	Varies as per the card variant and also determines the credit limit allotted by the bank

How to Get an HDFC Bank RuPay Credit Card?

You can apply online for HDFC RuPay Credit Cards at Paisabazaar, as follows:

Step 1: Register Your Mobile Number
Open Paisabazaar app or go to the form available on this page and enter your mobile number.
Step 2: Verify and Check Credit Card Offers
Complete verification by providing the OTP sent to your mobile number to view the HDFC RuPay credit card offers, along with other credit card options available..
Step 3: Select the Preferred HDFC RuPay Credit Card
Compare the credit card offers and apply for the one that suits your needs the best.
Step 4: Complete the Application Process
After choosing the card option, complete the HDFC RuPay credit card online application process by providing the required details and documents.

Once your credit card eligibility and other details are verified, the bank will approve your application and dispatch your card.

You can also visit the official HDFC Bank website, PayZapp, MyCards app or the nearest HDFC Bank branch to apply for any of the HDFC RuPay credit cards.

How can HDFC RuPay Credit Cards be Linked to UPI?

Since HDFC RuPay credit cards are enabled for UPI transactions, you can link your RuPay Credit Card to UPI apps like Google Pay, PhonePe, PayZapp, Paytm, BHIM, etc. by following the steps given below.

Step 1: For a new HDFC RuPay Credit Card, first set up your credit card PIN.
Step 2: Download any UPI-enabled app of your choice.
Step 3: Go to the UPI payment section in the app and click on the option to add RuPay Credit Card on UPI.
Step 4: Register your HDFC RuPay Card by entering its details, verifying via OTP and setting its UPI PIN, as needed.

Once your HDFC RuPay Credit card is registered, you can begin using it for your UPI payments through that app.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

How to link HDFC Bank RuPay Credit Card on PayZapp app?

You can link HDFC Bank RuPay Credit Cards on PayZapp by first logging in and going to the My Cards section. Click on Add Card and enter your card details to proceed. You can use this card via its PIN once it is added successfully to PayZapp.

Who should consider HDFC RuPay credit card?

Those who frequently use UPI for their merchant payments and wish to use credit cards for such everyday transactions can opt for HDFC Bank RuPay Credit Cards.

Where are HDFC RuPay Credit Cards accepted?

RuPay Credit Cards are accepted across India for Point of Sale (PoS) merchant payments, e-commerce purchases, and ATM cash withdrawals. Additionally, RuPay credit cards can also be used at international merchant outlets, ATMs, and online platforms that operate on partner global networks like Discover Financial Services (DFS).

Which UPI transactions can not be made using HDFC RuPay Credit Cards?

When using an HDFC RuPay Credit Card via any UPI app, certain transactions like Person-to-Person (P2P) money transfers, Peer-to-Peer Merchant (P2M) transfers, ATM cash withdrawals or merchant cash-outs, investments in mutual funds or Initial Public Offerings (IPOs), payments to lending platforms and foreign inward remittances are strictly prohibited.

Is the HDFC Bank UPI Credit Card a virtual credit card?

HDFC Bank offers many credit cards on RuPay network which can be used for UPI transactions. While most of these cards are offered in physical forms, cards like HDFC UPI RuPay Credit Card is a virtual credit card.

Is there any joining or annual fee for HDFC Bank Digital UPI RuPay Credit Card?

HDFC Bank UPI RuPay Credit Card which is a digital card offered to existing HDFC credit cardholders which is offered as a lifetime free card for a limited time period. This card otherwise charges an annual fee of Rs. 99+GST.