HDFC RuPay Credit Card

THE VALUE AT A GLANCE

What this card offers

The features to weigh against your spending habits.

• Earn reward points or cashback according to the specific HDFC card variant
• RuPay contactless payments are supported at eligible merchants
• Partner offers and fuel surcharge waiver depend on the selected variant and current terms

KNOW THE COST

Fees & annual waiver

Joining fee

₹99 + GST

Annual fee

₹99 + GST

Fee waiver

Waived on ₹25,000 previous-year spend

Check the issuer’s current schedule for taxes, interest, late-payment charges and other transaction fees.

BEFORE YOU APPLY

Eligibility

The listed application requirements for this card.

• Age 21–65
• salaried income ₹25,000/month or self-employed ITR above ₹6,00,000/year
• credit score 750+
• new-to-credit allowed

The issuer makes the final approval decision. Meeting the listed requirements does not guarantee approval.

KEEP THESE READY

Documents

• PAN card or Form 60
• Address proof such as Aadhaar, passport or utility bill
• Income proof such as bank statements or salary slips
• A photograph may be requested

The exact documents depend on the issuer’s application and KYC requirements. Submit documents only through the authorized application process.

YOUR NEXT STEP

How to apply

1. Check your card choiceReview the fee, benefits and application requirements above.
2. Open the applicationChoose Apply now to continue to the partner’s application page.
3. Follow the issuer’s processConfirm the exact card variant and current terms, then complete the requested steps.

For lounge benefits, check your exact card variant, current spend requirements and remaining visits before travelling.