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HDFC RuPay Credit Card – Save More, Go Digital | Apply Instantly Online

  • Writer: Abhinand PS
    Abhinand PS
  • May 2
  • 4 min read

HDFC RuPay Credit Card: The Smart, Indian Way to Go Digital

As India leaps toward a cashless economy, the HDFC RuPay Credit Card stands as a solid option for those seeking UPI integration, lifestyle rewards, and domestic value. Built on the RuPay network, this card seamlessly merges Indian payment infrastructure with HDFC's reliability.




HDFC Bank UPI RuPay credit card with QR code design on a gradient background. Text reads "HDFC Bank UPI Rupay Credit Card."

Whether you're new to credit cards or looking for a smart secondary card for UPI transactions, this one's worth a serious look.

Why the HDFC RuPay Credit Card is a Game-Changer

Target Audience:

  • First-time credit card users

  • UPI-savvy millennials and Gen Z

  • Salaried professionals and digital shoppers

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📈 Why It’s Trending

  • India’s UPI transactions crossed ₹14.05 trillion in March 2025 alone.

  • The NPCI RuPay network now supports UPI for credit card payments, adding massive utility.

  • RuPay cards enjoy higher acceptance for domestic use and lower transaction costs.

Key Benefits of HDFC RuPay Credit Card

Feature

Details

Network

RuPay (NPCI)

UPI Integration

✅ Supported via BHIM, PhonePe, Paytm, etc.

Joining/Annual Fee

₹500 + GST (Waived on spending ₹50,000 annually)

Welcome Benefit

₹500 worth of gift vouchers on 1st spend

Reward Points

Up to 2 RPs per ₹150 on retail spends

Fuel Surcharge Waiver

1% waiver (₹400–₹5000)

Milestone Benefits

Vouchers/gift cards on hitting spend targets

Apply Now

Click Here

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How to Use Your HDFC RuPay Card with UPI

Using UPI with a credit card is a relatively new feature in India, and RuPay is leading the charge. With the HDFC RuPay Credit Card, you can link it to UPI apps and pay directly via QR codes without touching your savings.

🛠️ Setup Guide

  1. Install a UPI App – BHIM, PhonePe, Google Pay, Paytm

  2. Go to “Add Credit Card” – Choose the RuPay tab

  3. Verify via OTP – OTP will be sent from HDFC

  4. Set UPI PIN – Just like with a debit card

  5. Start Paying – Tap to pay with your credit line, instantly!

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Real-Life Scenario: How Much Can You Save?

Let’s say you spend ₹10,000 monthly on groceries, fuel, and online shopping via UPI.

  • Earn 2 RP per ₹150 = ~133 Reward Points/month

  • 1 RP = ₹0.25 (on average) → ₹33 saved

  • Annual Savings = ₹400 (on points) + ₹500 voucher + ₹300 fuel waiver

  • Annual Fee Waiver on ₹50,000 spend = ₹500 saved

  • Total Value Gained = ₹1200+ annually

Now that’s a solid return for a digital-first lifestyle.

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Comparison: HDFC RuPay vs Other Entry-Level Cards

Feature

HDFC RuPay Credit Card

SBI SimplyCLICK

ICICI Coral

UPI on Credit

✅ Yes

❌ No

❌ No

Reward Points

✅ 2 per ₹150

✅ 1 per ₹100

✅ 2 per ₹100 (select)

Fuel Waiver

✅ 1%

✅ 1%

✅ 1%

Domestic Acceptance

✅ Excellent

✅ Good

✅ Good

Apply Now

Apply

External

External

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Actionable Tips to Maximize HDFC RuPay Card

💡 Tips for Users

  • Use UPI daily: It’s safer and faster — scan QR codes for every small transaction.

  • Focus spends via card-linked UPI to accumulate reward points.

  • Set payment reminders to avoid late fees (typically ₹250–₹1200).

  • Track your offers via the HDFC MyCards app for exclusive RuPay deals.

  • Use on RuPay UPI Days – Many apps offer 5–10% cashback on select days.

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FAQs – HDFC RuPay Credit Card

Q1: How is HDFC RuPay Credit Card different from Visa or Mastercard?A: RuPay is India’s homegrown network, optimized for domestic transactions and now supports UPI payments, which international cards don’t.

Q2: Can I use this card on international websites?A: No, RuPay credit cards are primarily accepted within India. For international use, consider a Visa or Mastercard variant.

Q3: Is it safe to use UPI with credit cards?A: Yes, it's RBI-approved and secure, with the same OTP and PIN-based verification.

Q4: What if my UPI app doesn’t show RuPay credit card option?A: Update your app or switch to BHIM or PhonePe, which support most RuPay cards.

Q5: How soon can I get approved?A: If you’re already an HDFC customer, approval can happen within 24–48 hours online.

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Final Verdict: Is the HDFC RuPay Credit Card Right for You?

If you're looking to:

  • Tap into UPI with a credit line

  • Earn rewards on domestic spending

  • Save on fuel and annual fees

Then the HDFC RuPay Credit Card is a perfect blend of tradition and tech — made for India, by India.

🎉 It’s affordable, practical, and perfectly in sync with the digital lifestyle.

 
 
 

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