7 Best HDFC Rupay Credit Card: List, Features & Benefits

Do you know what is Rupay and why it is better than other payment networks like Visa and Mastercard? If not, then you are missing out on a lot of benefits of HDFC Rupay credit cards offer.

Rupay is India’s own payment network that was launched by the National Payments Corporation of India (NPCI) in 2012. It is designed to meet the needs and preferences of Indian consumers and merchants.

Rupay credit cards are accepted at over 6.5 million POS terminals and 2.5 lakh ATMs across India. They also offer lower transaction fees, faster processing, and more security than other payment networks.

HDFC Bank offers a range of Rupay credit cards that cater to different segments of customers and provide various features and benefits. Whether you are looking for cashback, rewards, discounts, or travel benefits, HDFC Bank has a Rupay credit card for you.

In this article, we will provide you with a list of HDFC Rupay credit cards and their features and benefits. We will also help you choose the best hdfc rupay credit card for your needs and preferences. So, read on and find out more about these amazing cards.

HDFC Bank Digital RuPay Credit Card

If you are looking for a Rupay credit card that has no annual fee and offers cashback on all online transactions, then you should consider the HDFC Bank Digital RuPay Credit Card. This card is specially designed for online shoppers and digital enthusiasts who want to save money and enjoy convenience.

HDFC Rupay Credit Card

features of HDFC Bank Digital RuPay Credit Card:

  • You will get 1% cashback on all online transactions, such as shopping, bill payments, recharges, and more. The cashback will be credited to your card account every month.
  • You will also get 5% cashback on utility bill payments, recharges, and online shopping made through PayZapp and SmartBuy platforms. The maximum cashback per month is Rs. 150.
  • You will enjoy a fuel surcharge waiver of up to Rs. 250 per month on fuel purchases made at any petrol pump in India.
  • You will have zero liability on your card in case of loss or theft. You just need to report the incident to HDFC Bank within 24 hours and block your card.

Benefits of HDFC Bank Digital RuPay Credit Card:

  • You can apply for this card online and get instant approval. You will also get a virtual card number that you can use immediately for online transactions.
  • You can make contactless and secure payments with this card using NFC technology. You just need to tap your card on the POS terminal and enter your PIN to complete the transaction.
  • You will have access to exclusive offers and discounts from Rupay and HDFC Bank on various categories such as travel, entertainment, dining, and more.
  • You will also be eligible for Rupay Select and Rupay Platinum benefits, such as complimentary lounge access, insurance cover, concierge service, and more.

If you want to apply for this card, you can visit the HDFC Bank website by clicking below “Apply Now” button.

The HDFC Bank Digital RuPay Credit Card is one of the best hdfc rupay credit card online apply options for online shoppers and digital enthusiasts.

It offers cashback, convenience, and security on all online transactions.

So, what are you waiting for? Apply for this card today and enjoy the benefits.

HDFC Rupay Shoppers Stop Credit Card

If you are a fan of Shoppers Stop and its affiliated brands, then you should check out the HDFC Rupay Shoppers Stop Credit Card. This card is specially designed for Shoppers Stop loyalists who want to earn rewards and enjoy discounts on their purchases.

HDFC Rupay Credit Card

Features of HDFC Rupay Shoppers Stop Credit Card:

  • You will have to pay an annual fee of Rs. 500, which will be waived off if you spend Rs. 50,000 or more in a year.
  • You will earn 5 reward points for every Rs. 150 spent at Shoppers Stop and its affiliates, such as Crossword, HomeStop, Mothercare, and more.
  • You will also earn 2 reward points for every Rs. 150 spent on other purchases, such as groceries, dining, movies, and more.
  • You will get a Rs. 500 gift voucher on joining and renewal, which you can use at Shoppers Stop and its affiliates.
  • You will also get a 10% discount on your first purchase at Shoppers Stop, up to a maximum of Rs. 1000.
  • You will enjoy a fuel surcharge waiver of up to Rs. 250 per month on fuel purchases made at any petrol pump in India.

Benefits of HDFC Rupay Shoppers Stop Credit Card

  • You will have exclusive access to Shoppers Stop sales, events, and previews, where you can shop before anyone else and get the best deals.
  • You will also get free home delivery and alteration services from Shoppers Stop, which will save you time and money.
  • You can redeem your reward points for Shoppers Stop gift vouchers or products from the Shoppers Stop catalogue, which has a wide range of items to choose from.
  • You will also be eligible for Rupay Select and Rupay Platinum benefits, such as complimentary lounge access, insurance cover, concierge service, and more.

If you want to apply for this card, you can visit the HDFC Bank website by clicking below “Apply Now” Button.

The HDFC Rupay Shoppers Stop Credit Card is one of the best hdfc rupay credit card list options for Shoppers Stop loyalists. It offers rewards, discounts, and convenience on your shopping. So, if you love Shoppers Stop and its affiliates, apply for this card today and enjoy the benefits.

HDFC Rupay Indian Oil Credit Card

If you are looking for a Rupay credit card that offers cashback on fuel purchases and helps you reduce your carbon footprint, then you should check out the HDFC Rupay Indian Oil Credit Card. This card is specially designed for Indian Oil customers who want to save money and enjoy convenience on their fuel expenses.

HDFC Rupay Credit Card

Features of HDFC Rupay Indian Oil Credit Card:

  • You will have to pay an annual fee of Rs. 500, which will be waived off if you spend Rs. 50,000 or more in a year.
  • You will get 5% cashback on fuel purchases at Indian Oil outlets, up to a maximum of Rs. 250 per month. The cashback will be credited to your card account every month.
  • You will also get a 1% fuel surcharge waiver on fuel purchases, up to a maximum of Rs. 250 per month.
  • You will earn 1 reward point for every Rs. 150 spent on other purchases, such as groceries, dining, movies, and more.
  • You will get Rs. 250 worth of fuel vouchers on joining and renewal, which you can use at Indian Oil outlets.

Benefits of HDFC Rupay Indian Oil Credit Card :

You will save money on your fuel expenses and reduce your carbon footprint by using this card. You will also support the Indian Oil Corporation, which is a public sector undertaking and a national pride.

  • You can redeem your reward points for fuel vouchers or products from the Indian Oil XTRAREWARDS catalogue, which has a wide range of items to choose from.
  • You will have access to exclusive offers and discounts from Rupay and HDFC Bank on various categories such as travel, entertainment, dining, and more.
  • You will also be eligible for Rupay Select and Rupay Platinum benefits, such as complimentary lounge access, insurance cover, concierge service, and more.

If you want to apply for this card, you can visit the HDFC Bank website by clicking below “Apply Now” Button.

HDFC Rupay TATA Neu Credit Card

If you are a fan of TATA group and its products and services, then you should check out the HDFC Rupay TATA Neu Credit Card. This card is specially designed for TATA loyalists who want to earn rewards and enjoy discounts on their purchases.

HDFC Rupay Credit Card

Features of HDFC Rupay TATA Neu Credit Card:

  • You will have to pay an annual fee of Rs. 500, which will be waived off if you spend Rs. 50,000 or more in a year.
  • You will earn 3 reward points for every Rs. 100 spent at TATA outlets and online platforms, such as Croma, Star Bazaar, Westside, Tanishq, and more.
  • You will also earn 1 reward point for every Rs. 100 spent on other purchases, such as groceries, dining, movies, and more.
  • You will get Rs. 500 worth of TATA vouchers on joining and renewal, which you can use at TATA outlets and online platforms.
  • You will enjoy a fuel surcharge waiver of up to Rs. 250 per month on fuel purchases made at any petrol pump in India.

Benefits of HDFC Rupay TATA Neu Credit Card:

  • You will enjoy a wide range of products and services from TATA group, which is one of the most respected and diversified conglomerates in India. You can shop for electronics, groceries, fashion, jewellery, and more from TATA brands.
  • You can redeem your reward points for TATA vouchers or products from the TATA CLiQ catalogue, which has a wide range of items to choose from.
  • You will have access to exclusive offers and discounts from Rupay and HDFC Bank on various categories such as travel, entertainment, dining, and more.
  • You will also be eligible for Rupay Select and Rupay Platinum benefits, such as complimentary lounge access, insurance cover, concierge service, and more.

If you want to apply for this card, you can visit the HDFC Bank website by clicking below “Apply Now” Button.

The HDFC Rupay TATA Neu Credit Card is one of the best hdfc rupay credit card list options for TATA loyalists. It offers rewards, discounts, and convenience on your shopping. So, if you love TATA group and its products and services, apply for this card today and enjoy the benefits.

HDFC Freedom Rupay Credit Card

If you are looking for a Rupay credit card that has no annual fee and offers reward points on everyday spending and online shopping, then you should check out the HDFC Freedom Rupay Credit Card. This card is specially designed for frequent shoppers and travellers who want to earn more points and enjoy discounts on their purchases.

HDFC Rupay Credit Card

Features of HDFC Freedom Rupay Credit Card:

  • You will not have to pay any annual fee for this card.
  • You will earn 10X reward points on PayZapp and SmartBuy transactions, such as flight bookings, hotel reservations, movie tickets, and more.
  • You will also earn 5X reward points on groceries, dining, movies, and rail/air tickets, up to a maximum of 1500 points per month.
  • You will earn 1 reward point for every Rs. 150 spent on other purchases, such as utilities, education, insurance, and more.
  • You will get Rs. 1000 worth of gift vouchers on spending Rs. 90,000 or more in a year, which you can use at various merchants and online platforms.
  • You will enjoy a fuel surcharge waiver of up to Rs. 250 per month on fuel purchases made at any petrol pump in India.
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Benefits of HDFC Freedom Rupay Credit Card:

  • You will earn more reward points on everyday spending and online shopping, which you can redeem for gift vouchers or products from the HDFC Bank catalogue, which has a wide range of items to choose from.
  • You will have access to exclusive offers and discounts from Rupay and HDFC Bank on various categories such as travel, entertainment, dining, and more.
  • You will also be eligible for Rupay Select and Rupay Platinum benefits, such as complimentary lounge access, insurance cover, concierge service, and more.

If you want to apply for this card, you can visit the HDFC Bank website by clicking below “Apply Now” Button.

The HDFC Freedom Rupay Credit Card is one of the best hdfc rupay credit card list options for frequent shoppers and travellers.

It offers reward points, discounts, and convenience on your purchases. So, if you want to earn more points and enjoy more benefits, apply for this card today and enjoy the freedom.

HDFC Moneyback+ Rupay Credit Card

If you are looking for a Rupay credit card that offers cashback on all transactions and has a low annual fee, then you should check out the HDFC Moneyback+ Rupay Credit Card. This card is specially designed for cashback lovers who want to save money and enjoy hassle-free cashback.

HDFC Rupay Credit Card

Features of HDFC Moneyback+ Rupay Credit Card:

  • You will have to pay an annual fee of Rs. 500, which will be waived off if you spend Rs. 50,000 or more in a year.
  • You will get 2% cashback on all online transactions, such as shopping, bill payments, recharges, and more. The maximum cashback per month is Rs. 200.
  • You will also get 1% cashback on all offline transactions, such as groceries, dining, movies, and more. The maximum cashback per month is Rs. 100.
  • You will enjoy a fuel surcharge waiver of up to Rs. 250 per month on fuel purchases made at any petrol pump in India.
  • You will have zero liability on your card in case of loss or theft. You just need to report the incident to HDFC Bank within 24 hours and block your card.

Benefits of HDFC Moneyback+ Rupay Credit Card:

  • You will save money on every purchase and enjoy hassle-free cashback with this card. The cashback will be credited to your card account every month and you can use it to pay your outstanding balance or make new purchases.
  • You will have access to exclusive offers and discounts from Rupay and HDFC Bank on various categories such as travel, entertainment, dining, and more.
  • You will also be eligible for Rupay Select and Rupay Platinum benefits, such as complimentary lounge access, insurance cover, concierge service, and more.

If you want to apply for this card, you can visit the HDFC Bank website by clicking below “Apply Now” Button.

IRCTC HDFC Bank Rupay Credit Card

If you are looking for a Rupay credit card that offers cashback on train tickets and helps you enjoy a comfortable journey, then you should check out the IRCTC HDFC Bank Rupay Credit Card. This card is specially designed for IRCTC customers who want to save money and enjoy convenience on their train travel.

HDFC Rupay Credit Card

Features of IRCTC HDFC Bank Rupay Credit Card:

  • You will have to pay an annual fee of Rs. 500, which will be waived off if you spend Rs. 50,000 or more in a year.
  • You will get 10% cashback on train tickets booked on IRCTC website or app, up to a maximum of Rs. 250 per month. The cashback will be credited to your card account every month.
  • You will also get a 1% fuel surcharge waiver on fuel purchases, up to a maximum of Rs. 250 per month.
  • You will earn 1 reward point for every Rs. 200 spent on other purchases, such as groceries, dining, movies, and more.
  • You will get Rs. 500 worth of IRCTC vouchers on joining and renewal, which you can use on IRCTC website or app.

Benefits of IRCTC HDFC Bank Rupay Credit Card:

  • You will save money and time on your train travel and enjoy a comfortable journey with this card. You will also support the Indian Railways, which is a public sector undertaking and a national pride.
  • You can redeem your reward points for IRCTC vouchers or products from the IRCTC catalogue, which has a wide range of items to choose from.
  • You will have access to exclusive offers and discounts from Rupay and HDFC Bank on various categories such as travel, entertainment, dining, and more.
  • You will also be eligible for Rupay Select and Rupay Platinum benefits, such as complimentary lounge access, insurance cover, concierge service, and more.

If you want to apply for this card, you can visit the HDFC Bank website by clicking below “Apply Now” Button.

The IRCTC HDFC Bank Rupay Credit Card is one of the best hdfc rupay credit card list options for IRCTC customers. It offers cashback, convenience, and comfort on your train travel.

So, if you want to save money and enjoy a comfortable journey, apply for this card today and enjoy the benefits.

Why Choose Rupay Credit Card? RuPay Credit Card on UPI.

RuPay Credit Card on UPI is a feature that allows you to link your RuPay credit card to any UPI app and use it for merchant payments.

UPI, or Unified Payment Interface, is a platform that enables instant and secure bank-to-bank transfers using a virtual payment address (VPA) or a mobile number. UPI also allows you to scan QR codes or use biometric authentication to make payments.

By linking your RuPay credit card to UPI, you can enjoy the following benefits:

  • Convenience: You can use your RuPay credit card to pay at any merchant that accepts UPI, such as e-commerce websites, apps, stores, restaurants, etc. You don’t need to carry your physical card or enter your card details every time you make a payment. You just need to enter your UPI PIN or use your fingerprint to authenticate the transaction.
  • Security: Your RuPay credit card transactions are more secure, as they use advanced encryption and authentication protocols that are compliant with the Indian regulatory standards.
  • Rewards: You can earn rewards and cashback on your RuPay credit card transactions, depending on your card variant and the spending category. You can also access the RuPay Select and RuPay Platinum benefits, such as complimentary lounge access, insurance cover, concierge service, and more.

To link your RuPay credit card to UPI, you need to follow these steps:

  • Download and register or open your UPI app of choice, such as PayZapp, Google Pay, PhonePe, etc.
  • Go to the settings and click on ‘Link/Add Credit Card’.
  • Select ‘RuPay Credit Card’ to avoid linking errors.
  • Enter your RuPay credit card details, such as card number, expiry date, and CVV.
  • Verify your card details with an OTP sent to your registered mobile number.
  • Set up a UPI PIN for your card using your card PIN.
  • Your RuPay credit card is now linked to UPI and ready to use.

Conclusion

In this article, we have provided you with a list of HDFC Rupay credit cards and their features and benefits. We have also helped you choose the best hdfc rupay credit card for your needs and preferences.

Rupay credit cards are a great option for Indian consumers and merchants, as they offer lower transaction fees, faster processing, and more security than other payment networks.

Whether you are looking for cashback, rewards, discounts, or travel benefits, HDFC Bank has a Rupay credit card for you. You can apply for any of these cards online and get instant approval.

So, what are you waiting for? Apply for the HDFC Rupay credit card of your choice and enjoy the benefits. You can visit the HDFC Bank website and fill the online application form.

You can also login to your HDFC Bank account and check the status of your application. You can also track the delivery of your physical card and activate it online. You can also set your card PIN and manage your card settings through the HDFC Bank website or app.

Thank you for reading this article. We hope you found it useful and informative. If you have any questions or feedback, please feel free to share them in the comments section below. We would love to hear from you.

FAQs

What is HDFC Rupay Credit Card?

HDFC Rupay Credit Card is a card that is powered by Rupay, India’s own payment network that offers lower transaction fees, faster processing, and more security than other payment networks. HDFC Bank offers a range of Rupay credit cards that cater to different segments of customers and provide various features and benefits.

How can I apply for HDFC Rupay Credit Card?

You can apply for HDFC Rupay Credit Card online by visiting the HDFC Bank website and filling the online application form. You will need to provide some basic details such as your name, mobile number, email id, PAN, and income. You will also need to upload some documents such as your identity proof, address proof, and income proof. You will get a confirmation message and an email once your application is approved.

How can I link my HDFC Rupay Credit Card to UPI?

You can link your HDFC Rupay Credit Card to any UPI app of your choice, such as PayZapp, Google Pay, PhonePe, etc. You will need to register your card by using your card PIN and set up a UPI PIN for your card. You can then use your card to make UPI payments at any merchant that accepts UPI.

How can I contact HDFC Bank for any queries or complaints regarding HDFC Rupay Credit Card?

You can contact HDFC Bank for any queries or complaints regarding HDFC Rupay Credit Card through various channels, such as phone, email, chat, or branch. You can call the HDFC Bank customer care number 1860 267 6161 or 1800 266 4332 for any assistance. You can also email your queries or complaints to customerservices.cards@hdfcbank.com. You can also chat with the HDFC Bank chatbot Eva or visit the nearest HDFC Bank branch for any help.

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