The HDFC RuPay Credit Card is about as cheap as an HDFC card gets. The joining and annual fees are just ₹99 + GST, and the renewal fee disappears once you spend ₹25,000 in a year, roughly ₹2,100 a month. Because it runs on the RuPay network, it suits people who want a low-cost credit card for daily spending, tap-to-pay at shops and wide acceptance across India.
What you get
| Feature | Details |
|---|---|
| Everyday rewards | Reward points or cashback on groceries, fuel, dining and bill payments (varies by variant) |
| Contactless payments | Fast, secure tap-to-pay at stores, plus online and ATM acceptance across India |
| Fuel | Surcharge waiver at most petrol pumps, typically ₹200–₹400 per billing cycle |
| Lifestyle offers | Deals at partner restaurants, movies, retail and lifestyle brands |
| RuPay deals | Discounts with Indian travel, e-commerce and utility partners |
| Card perks | Fee waivers, redemption bonuses and balance transfer offers on some variants |
Good to know: HDFC issues more than one RuPay variant, so the reward rate and fuel waiver cap depend on the card you are approved for. Check your welcome kit for the exact numbers.
Is it worth ₹99?
Almost certainly, if you will use it. Spending ₹25,000 a year on groceries and bills is easy for most households, and that alone waives the renewal fee. Even if you miss it, ₹99 + GST is a small price for a credit line from a major bank, plus interest-free time on purchases when you pay your bill in full.
Fees and charges
| Joining fee | ₹99 + GST |
|---|---|
| Annual fee | ₹99 + GST |
| Annual fee waiver | Spend ₹25,000 or more in the previous year |
Day-to-day support is covered too: HDFC offers 24×7 card support, instant transaction alerts and full integration with its mobile app and online banking, so you can track spends, pay your bill and block the card quickly if it is lost.
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month or more |
| Income (self-employed) | ITR above ₹6 lakh a year |
| Credit score | 750 or above |
| First credit card? | Allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on HDFC Bank site on this page to open the official application.
- Complete the form in one go with your Aadhaar-linked mobile number.
- Finish video KYC from your current address when asked.
- Activate the card with a first transaction within 30 days of receiving it.
Who should get it, and who shouldn’t
Get it if you want a low-fee everyday HDFC card, value RuPay acceptance and tap-to-pay, and spend at least ₹25,000 a year so the card is effectively free.
Tips to get more value
- Put regular bills and grocery runs on the card so you cross ₹25,000 a year without trying.
- Use it at petrol pumps to benefit from the fuel surcharge waiver, within your variant’s monthly cap.
- Look out for RuPay partner offers on travel, e-commerce and utilities before you pay elsewhere.
- Always pay the full statement amount by the due date so you never pay interest.
Skip it if you want a clearly defined high reward rate or travel perks. A dedicated cashback or travel card will give you more, even after its higher fee.
