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RuPay

HDFC RuPay Credit Card

Hassle-free rewards, zero annual cost

Annual fee₹0
Rewards0.25%Assumes statement credit (1 CashPoint = Rs.0.25, min 500 CashPoints to redeem)
Forex markup—
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Rewards

    Fees & charges

    Joining fee
    ₹0 (Free)
    Annual / renewal fee
    ₹0

    Eligibility

    Salaried: minimum ₹15,000/month income. Self-employed: 2+ years of filed ITR showing equivalent annual income. Age 21–65. CIBIL 700+ recommended.

    Is this card worth it for you?

    ₹10,000₹5,00,000
    0% of spend100% of spend
    0% of spend100% of spend

    Remaining 65% of spend earns the 0.25% base rate.

    Rewards / year

    ₹2,325

    ≈ 0.39% effective

    Annual fee

    ₹0 (waived)

    waived at ₹25,000/yr spend

    Net steady-state return

    +₹2,325/year

    Strong fit at this spend

    At ₹50,000/month, rewards outrun the fee by ₹2,325 a year.

    Apply NowCheck Eligibility →

    One-time welcome benefit: ~₹250 — 1st transaction within 37 days of card activation

    Based on published rates as of 2026-08-07; assumes statement credit (1 CashPoint = Rs.0.25, min 500 CashPoints to redeem). Rewards estimates, not guarantees.

    FAQs

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